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5 steps to deal with student loans
Debt repayment may not have been top of mind when you signed up, and the monthly payments can look scarily large.
When you are 18 years old and on the verge of starting your college experience, you often have no way of understanding the impact that student loan debt will have on your life (once you graduate from college).
In the eyes of the 18-year-old, the numbers are abstract and don't convey what it's like to actually make payments on the loans each and every month.
I was lucky that my student loans were manageable, but even so it was a bit of a shock to realize how hard it is to pay them off. Here are some of my tips from personal experience:
No. 1: Wrap your mind around the numbers, no matter how big.
There's no way around it -- you have to understand exactly what your student loan debt means on a monthly basis. And to do that, you need to compare your student loan payments to your monthly budget. Depending on how big of a percentage of your budget is represented by your student loan minimum payment, you will know what kind of plan is realistic for you.
If your payment is less than 10% of your total monthly budget, then you don't have to worry about your ability to pay. And if your required student loan payment is somewhere between 10% and 20% of your budget, then most likely you can make your payments (and perhaps even add a little extra).
But if your minimum payment is above 20%, and especially if it's more than 30%, then it is going to be a challenge for you to make that payment every month. If that's the case, you will need to take advantage of the advice in the next paragraph.
No. 2: If you can't afford your payments, don't give up -- take action!
It's very important that you don't simply give up if you think you can't afford your monthly payment. Why? Because if you give up, you'll risk becoming delinquent and perhaps eventually defaulting on your loan. Just like with credit cards, making one late payment can have serious consequences, including doing harm to your credit scores and opening you up to being pursued by debt collectors or having your wages garnished (for federal loans).
Fortunately, you can avoid all that! There is an income-based repayment program that allows you to get on a new repayment schedule where your monthly payments are capped at 15% of your monthly income. It does mean that your repayment timeline is extended to 25 years, so you'll have to pay more interest in the long run, but that is a small price to pay if it gives you some breathing room if payments that are too high.
While the IBR program is only for federal loans, many private lenders have similar programs that will allow you to set up an extended repayment schedule. Just call your lender and ask.
No. 3: Know your options and your rights.
But what if you can't make your payments at all? In that case, it's still important to be proactive and make use of forbearance and/or deferment.
Forbearance means that your lender agrees to give you a certain period of time -- perhaps three months -- when you don't have to make any payments on your student loan. This is often granted as a courtesy, especially if you don't have any income and are not able to make a payment. But you have to ask for it and work out the arrangement with your lender. Simply ceasing to make payments without communicating with your lender will usually cause your loan to go into default.
Deferment can also be a great option and is usually available to those who are are in graduate school, unemployed or on active duty in the military. Deferment means that you don't have to make payments and it usually means that your loan or loans are not accumulating interest.
There are other options you should know about, including the Public Service Loan Forgiveness Program, which will forgive all remaining student loan balances after 10 years for anyone who has worked in a qualifying public service job and consistently made payments during those 10 years.
No. 4: Make a plan and stick with it.
So once you've got a monthly payment and a plan that works with your budget, how do you make sure you stick with it? There are a few tips that may come in handy. For one thing, tell your loved ones about your plan and ask them to encourage you along the way -- the power of emotional support from those you trust and care about may surprise you and will help you accomplish your goal.
I would also recommend that you use online tools to help you track your budget and manage your debt. These tools ensure that you stay on top of your plan and help you continue to be motivated by reminding you of your progress each month.
If you need extra money in any given month in order to stick with your goal, you can try freelancing -- using sites like Elance, oDesk or Mechanical Turk -- and make some side money with a small investment of your time. Whether you like writing, designing, crafting or something else, you can probably find someone who is willing to pay for your skills and your time. And that extra money can go toward paying your student loan payments. Who knows, it may even help you pay off your loans early!
No. 5: Stay positive.
This may be the most important of all. By maintaining a positive outlook and brushing off any negative incidents along the way, you will increase the likelihood that you pay off those loans and become debt free. There will always be some hurdles that interrupt your progress and make your path seem much more difficult, so don't be hard on yourself when these things happen. Just accept that they are a part of the journey and "keep on truckin'." Your positive attitude will ensure you continue to do the things necessary to reach your goal. And that will make all the difference.
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This is why I don't read the comment section on anything anymore. Too many trolls. What's your end game for posting super idiotic comments? To prove you are an idiot? Probably.
I am an intelligent person who worked and went to college at the same time and still had to take out loans. Try to find a job that you don't have to work full time and still can pay $10k a year for just college to get a 4 year degree. And I went to a State School! My parents made too much money for me to get any grants but not enough to actually be able to afford to help me at all. I'm a twin, so putting two kids through college at the same time is expensive. And that 10k is not including the room and board. My parents lived too far away for me to live with them and go to the UW in Seattle.
I owe 48k and some of my friends owe over 60k. I now have a masters degree. But when the market crashed there were no jobs for me to take in my field to be able to pay for the graduate degree. This is not a sob story. But YOU idiots who think you know the answer to everything in a one sentence blurb are just ignorant.
I work very hard, pay my taxes, and believe, if given the chance, people want to do a good job and contribute to society. To make the sweeping generalization that we are "moochers" is based on a very miniscule percentage of people who go to college. Most people go to college to better themselves. Those who merely "attend" college and are not up to the challenge fail out very quickly.
Education of it's citizens is something that every country should invest in. I'm sick of the "can't pay for it, don't go" mentality. A majority of people can not afford to go to college, so does that mean that the wealthy are the only ones entitled to an education? A highschool diploma will get you about as far as Walmart or McDonalds. If someone is trying to better themselves and become a productive member of society I think that it something that the government should support.
Of course, then again, uneducated people are easy to control and manipulate. So I'm sure the government likes that.
There is no hope for those of though worked 2 jobs while going to school to get an MBA. Took me 8 years to do this because during that, we had a child that was born severely ill and later died at 8-1/2 months. I worked my way up on a job after graduation to close $100K/yr. Then I was the first car hit in a 4 car pileup at 65mph, from a guy on parole, no drivers license, and it wasn't his car! Now I am on permanent disability with 2 mentally challenged children and making a whole whopping $3K/mo, $1500K/mo is spent on medications for all of us, and for therapy session for us (and that is our co-pay), this is before rent or anything is paid. The student loan program will not let me get released from payment, even though I will never be able to work again, and cannot pay the $435/mo they want. It isn't fair when you received the loans in good faith, got a good job and was making your loan payments, now because you can't, they do not care. It's not that I don't want to pay, it is that I cannot afford to pay. It isn't fair..........I am not a deadbeat trying to beat the system, just trying to survive on 1/4 of what I was getting when I got my loans.
Step 0:
Don't take out an unreasonably stupid amount of debt in the first place.
People think that they "have to" take out large loans for college. It's not true.
First, work hard in high school so you can get some scholarships. (OMG! You mean I have to think about college before I turn 18?)
Second, apply for as many scholarships as you can.
Third, take Gen-Ed classes at community colleges (or other cheap places) and transfer them in.
Fourth, don't take out $160,000 in loans if you're going to be at a job earning $31,000 per year.
Fifth, get a part time job while you're in school. Every little bit helps.
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Free Bike Repair and Workshop
Published on Thursday, April 19, 2012 - 11:54am
May is National Bike Month. To celebrate, Petworth is holding a free bike repair day in our meeting room/patio area outside.
Come on down to the library and learn how to fix your bike. Volunteers will be available to perform and teach basic bike repair and maintenance. We'll be here, rain or shine!
Stop in by 1:30 pm to meet local cyclist Matt Wittmer, author of Where to Bike: Washington, D.C.
From the back cover of the book:
"From the popular trails to the hidden gems, from the city to the country, for adults and for children, this comprehensive cycling guidebook provides the details which enable riders of all levels to enjoy each and every biking experience. It's clear, as well, that Matt Wittmer had the reader in mind when researching and mapping these select rides, as his descriptions include on-the-ground details you can't get from most other guides."
Copies of Where to Bike: Washington, D.C. will be available for checkout during the workshop and can also be placed on hold through our website.
Questions? Please contact Elsbeth Purdy at the Petworth Neighborhood Library by calling 202-243.1188 or e-mailing her at firstname.lastname@example.com.


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QUOTE=TRustlerman16]Hi, I have a Rustler, with a mamba max, rpm bumper and rear a arms, aluminium stub axle carriers, and the waterproof traxxas servo, a stampede, with an XL5 and a Titan 15t, with everything, a Tamiya Ferrari 360 Modena Challenge, 4x4 Road Car, has a titan and a good esc, with everything included, and a Proboat Shockwave 26 brushless boat, it has a brushed esc,no motor, a reviever, metal prop, and hull, transmitter, and 2 batteries. and all of the cars are in good working order except the boat, and all have transmitters, and everything. How Much should i ask for these seperately or all together, and still make some money?
hey im a first time buyer and wanna know if the rustler would be a good but


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Asus' new laptop-and-tablet is wondrously thin with a super-sharp 1440p screen. We went hands-on at Computex in Taiwan.
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With Asus' slickest user interface yet, included keyboard, and a competitive starting price, the small but chunky Transformer Pad TF103 is an attractively affordable tablet hybrid.
The new Asus PadFone isn't available in the US, but with its Snapdragon 800 processor and impressive build quality, we're scratching our heads as to why.
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With its powerful processor, great camera, decent screen and gorgeous, waterproof design, the Sony Xperia Z1 Compact is the best small Android phone around.
The Xperia Z1S is the most impressive smartphone Sony has ever sold on any carrier, but an inferior screen makes Samsung's Galaxy handsets better deals.
This USB tuner means Xbox One owners can watch TV via their console without switching TV input, and use voice controls too.
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Asus' new Zenbook UX305, announced at the IFA show in Berlin, is just 12.3mm thick and weighs less than 1kg.
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It's not the most attractive PC out there, but the Asus ET2300INTI has a broad array of features that will entice those looking for a mainstream Windows 8 all-in-one.


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It's a change of pace for Pitbull - his song, "Outta Nowhere" featuring Danny Mercer is slower than we're used to and as most of the internet bloggers have noted today, he doesn't say, "daleeeeeee" once! :/ Check out his lyric video New & Now below.
What do you think of the new song? Comment below or hit me up on Twitter!
-JT @JTAfternoonshow


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It's the only ending that makes sense, in part because it's honest.
It's the only ending that makes sense, in part because it's honest.
What was your initial inspiration for "Shuttle"?
I was on an airport shuttle van and my mind just wandered. There's a bigger context to the film, something that was thinking about around that time, but it falls into spoiler territory so we can't to go there.
You recently screened the film at the SXSW, how was the audience reaction?
Haha... I'm not saying I would actually watch this film, I'm just saying I was incredibly amused by the trailer. And hell, I'm sure there are some of you out there willing to brave this kind of low budget stuff. For what it appears to have been shot on, it's definitely an impressive production.
Although I'm hearing British accents here, the internet tells me this is actually a Finnish horror film, something we've been seeing an awful lot of lately. "Skeleton Crew" will hit DVD in the States July 21st, courtesy of Lightning Media.
While they've never quite made it into the upper tier of horror movie monsters, evil dolls have been a presence in midnight movies for almost as long as genre-staple baddies like vampires and werewolves. They've appeared in undisputed genre classics ("Poltergeist", "Magic"), sustained a few major franchises ("Child's Play", "Saw"), and, maybe the biggest sign you've made it in the horror genre, inspired loads of low-budget schlock ("Waxwork", "Demonic Toys").
Mackenzie Carpenter is your typical 17 year old. She thinks life in the O.C. is boring, tends to sneer at most of the stereotypical O.C. kids and wants nothing more than to rock out and be cool. Her plan comes to a screeching halt when her group of friends start to turn up dead one by one in bloody and gruesome ways. The one key factor to all of the murders is the sighting of one "Horny the Clown", mascot of the local Hellaburger Fast Food chain, fleeing the scene of the crimes.
I don't know why, but documentaries on the processes and machinations of making Z-grade horror are like crack to me. Whether it's something like "American Movie", "Horror Business", or the recent release "Blood, Boobs & Beast", I find myself absolutely fascinated with the kind of people who make this crap. I would never in a million years want to do what they do, or even watch their movies, and yet there is something so straightforward and genuine about these people you almost always end up falling in love with them by the time the movie's over.
When you find yourself sifting through stacks of low budget independent features, you tend to find some common similarities throughout. A spark of a good idea, a lot of ambition, and a healthy love of the genre. Typically, these movies tend to not extend very far past these tenants; and are quickly hampered by low budget, lack of experience and sub par acting. At first glance, "Dark Reel" appears to be one of those films.
CC's back, Joe's confused, and we hope you enjoy the new sound!
A movie that has the crew conflicted.


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Second Hackensack National Night Out held inside
Looming rain clouds threatened the Hackensack National Night out event Tuesday, Aug. 6, but organizers already had the Hackensack Community Center reserved and ready.
Stormy weather to the south cancelled the North Memorial Air Care Team helicopter landing, but this year's Bike Rodeo, as well as a display of police and fire department vehicles and gear, were still held outside.
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BLUEFIELD, Va. (WVVA)- Ruth Graham, the daughter of renowned evangelist Billy Graham, made an appearance at Bluefield College Wednesday.
Graham was there to talk about her new book, her life and her religious journey as a woman in today's world.
In her strictly "Women Only" lecture, she invited students, faculty, and community members to dine and listen to devotional and receive an autographed copy of the book.


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Around Town
Get started with Cappex to compare the Michigan State University weather with your hometown!Create an account now!
On the area of entertainment, Michigan State is phenomenal. The college provides free movies every week to watch, an abundance of clubs to join, and with a surplus of students it is simple to find friends to spend time with.Read More
There are a lot of clubs and organizations on campus to get involved in from religious groups to groups that plan activities on campus. There are a lot of free activities every week through an organization called the University Activities Board (UAB). During the first month or so there will be a lot of clubs holding free events around campus, so there will always be something fun to do for free.Read More
There are a ton of clubs to join, campus activities and events to get involved in and meet new people, and with 50,000 students you're sure to make some friends. Sports are obviously a big deal here, and student sections are crazy. For those of you who are age, check out Stober's and Mac's Bar.Read More
Every weekend the University Board of Activities has something that students can do. There are screenings of movies before the are in theaters, there are also recent movies that may have came out the month before. They every year during pride week there is a drag show that takes place. In the February there is Lil Sibs weekend. This weekend caters to your sibling, they come up and get to experience college life. There is free bowling on campus as well. The best part is most of these activities are free.Read More
There is always a ton of events on campus! There are so many clubs and organizations to join that you could have a meeting every day of the week if you join that many. There is free bowling in our own bowling alley on campus, which is pretty fun even though it's the oldest bowling alley I've ever been to.Read More
Sporting events, IM teams, hundreds of clubs, Greek life, movies, bowling, and new events each night on campus.Read More
Anything and everything ! There is so many free events for students, the possibilities are endless !!Read More
Football games, Basketball games. Party boat. MSU has many options since it is so large. The college, as with any other, has many options and the experience is what you make of it.Read More
There is always a party and there are tons of clubs and such in Lansing. There are also a lot of restaurants on grand river ave. Campus programs also offer free movies and ice skating opportunities.Read More
MSU is a Big Ten school, so sports are kind of a big deal here. Football games are a blast, and basketball games are pretty great too. There are also TONS of student organizations on campus to get involved with. There are clubs and IM sports to fit a lot of different interests (Harry Potter fans- we even have a quidditch team!). The Union has a bowling alley that only costs ~$2, and there are also frequent activities there. Also, there are on-campus theaters on the weekends that are free with a student ID. They even have free popcorn! We also have the Wharton Center, which hosts Broadway musicals, as well as concerts put on by our College of Music, and by the various a cappella groups on campus.Read More


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Continuent Replication to Hadoop – Now in Stereo!
Hopefully by now you have already seen that we are working on Hadoop replication. I'm happy to say that it is going really well. I've managed to push a few terabytes of data and different data sets through into Hadoop on Cloudera, HortonWorks, and Amazon's Elastic MapReduce (EMR). For those who have been following my long association with the IBM InfoSphere BigInsights Hadoop product, and I'm pleased to say that it's working there too.
Continuent is the company behing Tungsten connector and replicator products which, in their words:
Continuent Tungsten allows enterprises running business- critical MySQL applications to provide high-availability (HA) and globally reduntant disaster recover (DR) capabilities for cloud-based and private data center installations. Tungsten Replicator provides high performance open source data replication for MySQL and Oracle and is a key part of Continuent Tungsten.
Original title and link: Continuent Replication to Hadoop – Now in Stereo! ( ©myNoSQL)
via: http://mcslp.wordpress.com/2014/03/31/continuent-replication-to-hadoop-now-in-stereo/
by Alex Popescu
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PHOENIX (AP) - Newly elected Arizona Republican Jeff Flake is starting his 6-year term in the U.S. Senate with what appears to be an uphill climb in public opinion.
The Phoenix-based Behavior Research Center says a statewide survey of registered voters found 18% of those surveyed rated his performance favorably and 26% unfavorably.
Other voters either rated Flake's performance as "fair" or didn't have an opinion.
The center says Republicans tended to rate Flake favorably while independents and Democrats generally rated Flake unfavorably.
The survey was based on telephone interviews conducted in early April. That was before Flake voted against a high-profile bill to expand background checks for gun buyers.
The poll's overall margin of error was plus or minus 5%age points.
Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
WJBK-TV | Fox 2 16550 West Nine Mile Rd.Southfield, MI 48075Main Station: (248) 557-2000Newsroom: (248) 552-5103


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If you've ever lost your child's favorite stuffed animal, you probably know that feeling of frustration and panic. Dear God, no! Your child has lost their most beloved friend and they're completely inconsolable without it. If only you could get the whole world to help you look for it. Well, that kind of happened. When a woman found a stuffed bunny left behind on a beach, she posted a photo of Pink Bunny on Facebook -- and it was shared by over 30,000 people. I don't think I even need to say this, but yes, dear readers. Facebook helped 18-month-old Maddie Cross reunite with Pink Bunny.
Now ... why can't we all do this every time our kids lose a toy?
Maddie left Pink Bunny on the beach one day. (Don't even get me started on the insanity of bringing a fiber-based toy to a vast field of sand -- but that's one of those crazy things you find yourself doing as a parent.) Her parents searched and searched, but at last they had to leave it behind because night was falling and life goes on.
But someone was looking out for Pink Bunny that day. Mom of six Deborah Hitchins found that toy and posted a photo of it on Facebook: "Please share this photo and help him get back to the little person who loves and cuddles him and no doubt misses him." (So just to clarify, the photo was posted by the finder, not by Maddie Cross' parents.) People, it took less than 24 hours for that bunny to find its little person. Is the Internet magic? No, but a small act of kindness sometimes can be.
But you know that as this happy story is spreading, one big idea is forming in millions of parents' minds: Hey, I should try that! I'm friends with a lot of parents, and I've never seen any of them post a lost toy. But now that this has happened, maybe it's the next big thing. Maybe we're about to get hit by a tsunami of lost toy posts. It's just waiting for us. Can't you feel it? Oh God, I'm afraid.
Would it ever occur to you to post a lost toy on Facebook?
Image via Family Days. Tried & Tested/Facebook
Posting found items on the internet is a modern take on taking out an ad in the local newspaper.
It hasn't but good idea.
I can feel the happiness felt by the little one knowing her bunny was safe and sound!
This is really sweet.
awww so sweet
I have been here. My 5 year old carried around a zuzu hampster for over a year. She was really sick and I had to take her to the Dr, While filling her precription he was left at the drug store. I called them like 3 different times and sadly he was lost. She cried for 2 days.
we had that happen with our baseball bear, lost at walmart. Seriously ticked that someone kept it, ordered 6 replacements from ebay. That was 7 years ago..... we still have 3 left :-)
If my ASD kid lost his stuffed dolphin I would panic. He would be a mess and life as we know it would be over.
WOw...24 hours is amazing.
My son doesn't seem to have a lovey but when/if he picks one, I'm buying backups to keep in the closet!


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GM Radars (Geomorph Instruments) is a leading company in geophysical services and non-destructive testing In Middle East, Southern Europe and Africa. GM Radars owns advanced geophysical and NDT equipment in order to provide high-quality services around the globe. We have offices in London (UK), Athens (Greece), Nicosia (Cyprus), and Doha (Qatar). We also sell geophysical, ...
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We provide software and services for integrated implementation according to our clients` technical, environmental and economic needs. Our strength is the integration of knowledge from various players and disciplines operating in an information system. The combination of process, product, company and industry perspective allows the analysis of entire systems while ...
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After I worked a few hours in the morning, my daughter Karyn, grandson
Jack and Lynn showed up at VNO. We packed up all the gear and canoe and
headed over to Fall Lake. We chose a Wenonah Minnesota 3 Kevlar, 21 foot
canoe. It has 3 seats so we had Jack just sit on top of a pack. (This is the last year
we'll be able to get away with that). After putting in we made our way around the
south end of Mile Island and headed right to the 80 rod portage at Newton Falls.
There is good fishing before & after these falls. The portage is very easy. Motor
boats are permitted here as long as they have the correct BWCAW permit. People
use portage wheels under the boats to bring them across the portage.
After doing the portage we were on Newton Lake. It is a narrow lake, about
2 miles long. Newton has 2 campsites on it with a waterfall coming in and out
of it. After the next grassy narrows is Pipestone Falls which has a 90 rod portage
around it. It is a very pretty falls and the portage is pretty easy. Pipestone
is about six miles long and is actually considered a bay of Basswood Lake.
Both Pipestone and Jackfish are good lakes to fish walleye, bass, northern pike,
crappie and bluegills. Pipestone has 33 campsites on it.
We followed the west side of the lake and checked out campsites as we
paddled by. After hitting Caribou Point, we made our way through some islands
(New York & Gary). I could see from a distance that the campsite with the sand
beach was taken so we paddled through the narrows to Hidden Bay. We grabbed
a nice campsite in the bay which would protect us more from the wind that was
forecast for the second day. It only took us about 3 ½ hours to get to our campsite.
After setting up camp, Jack & I threw out some bobbers with a nightcrawler and
had some hot cocoa while watching for a fish to hit. After a nice dinner with
some toasted marshmallows for dessert, we played a couple games with Jack and then retired to the tent.
The next morning was very windy. We had a late breakfast of pancakes
and Jack's were special chocolate chip pancakes. The winds quieted down a
bit in the afternoon so we took a day trip over to Jackfish to check out a few of the
campsites there. Late afternoon Jack & Karyn searched for some firewood while
taking one of our walkie-talkies with them. Lynn had the other one & Jack
reported to her each time they found another piece of wood. I don't think Jack
would have enjoyed finding firewood anywhere near so much without those!
He even took a walkie-talkie on his trip to the latrine with mommy Karyn, letting
grandma know that they were on their way back. It doesn't take too much to
entertain a four year old!
On the last day we got up early, had a quick breakfast, packed up camp and
headed back towards Ely. We checked out a few more campsites on the east side
of Pipestone Bay. On the 90 rod portage we saw a kid, about 12 years old, with
a Chicago Bears cap on & Lynn gave him the "thumbs up" on the hat and he
smiled and said, "I live in the Cities but I'm a Bears fan which drives my family
crazy!" Then on the 80 rod portage out of Newton we ran into some of our
customers, just going in.
After landing at the boat landing on Fall Lake, we packed up the suburban.
Jack walked along with me as I carried the canoe to the vehicle & "helped" me
place it on the roof racks. He was so cute.
As family canoe trip tradition dictates, we drove into Ely and over to the Dairy
Queen for a treat to end the trip.
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Horse Drawn Sleigh Rides & Carriages Rides
NorthCentral, Minnesota Horseback Riding
Oh what fun - cozy sleigh rides on a santa sleigh or carriage & trail rides in beautiful north woods trails year-round. Stay at the B&B next door or rough it in our cabin, see us for the complete equine experiance = PinewoodStables USA. com...
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Positive Energy Outdoor (ed)Ventures, a Duluth-based 501(c)3 not-for-profit organization, provides experiential outdoor adventure and renewable energy education for couples, families, groups and individuals. Proceeds support edventures for local kids...
$120 Per Couple
Rainy Lake Houseboats premier houseboat rentals
Voyageur Country, Minnesota Sailing & Yacht Charters
Voyageurs National Park's finest yacht style houseboat rentals located ten miles east of International Falls, Mn on beautiful Rainy Lake. Cruise, explore, sight see, fish, swim, relax, and view wildlife in a wonderful wilderness setting....
$260 Per Night
Glacial Ridge Winery
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Award Winning wines! Open Year Round For Tastings, Tours, & Wine Sales. Enjoy our Summer Concert Series, free live music every Thursday evening May to Sept. Come for our annual Grape Stomp. Perfect site for a beautiful rustic wedding & reception....
Stillwater Balloon
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We have been offering hot air balloon rides over the Beautiful St. Croix Valley for over 35 years. We are just 8 miles south of Stillwater MN. This is one of the best gifts ever. Come Fly With Us....
Great Rates & Specials! $245 Per Person
Award-Winning City Tours
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From downtowns to sparkling lakes, our three-hour Twin Cities Highlights Tour travels past famous landmarks and often photographed sights. Travel aboard a deluxe motorcoach with live, narrated commentary. Reservations required....
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Lake Superior Romance at the A G Thomson House
Duluth, Minnesota Bed & Breakfasts
#1 in Minnesota and Duluth on Trip Advisor! The A G Thomson House is a luxury bed & breakfast in Duluth's historic district on two acres of exquisite private grounds. Featuring seven luxurious rooms with lake views, whirlpools, fireplaces, & more!...
Starting at $169 Per Night
|Link Code


text:
Football analyst Bryan Broaddus revisits his matchups from earlier this week, which included
Cowboys WR Dez Bryant vs. Raiders CB Mike Jenkins
You have to give Mike Jenkins a great deal of credit in the way he was able to matchup with Dez Bryant in this game. There was no question it was going to be a battle with neither player giving an inch. Bryant fought hard for space and Jenkins was there to provide the issues. Where Jenkins made it tough on
Bryant was he was able to battle his power when he comes to getting off the line. The fact that Jenkins had faced him before as teammates, I felt like helped him here. One of Jenkins' best traits is his quickness and even when you knock him around a bit, he can recover and that was the way he was able to defend some passes not only to Bryant but the crossing route to Austin as well. Bryant did get Jenkins in the red zone on his touchdown reception that tied the game in the 3rd quarter. This is where Bryant has shined all season and despite being in decent position, have to fight Bryant, in the air, in a short area, is difficult to win that battle. Where the Cowboys coaches got smart later in the game was moving Bryant away from Jenkins and that freed him up for some chances.
Cowboys Defensive Front Seven vs. Raiders RB Rashad Jennings
As impressed with the job that the offensive line was able to do in this game running the ball, how this Cowboys defensive front seven, was the difference in the game. Where I worried about this group was how would they get off blocks and fill in the running game. The Raiders the last several weeks had been outstanding running the ball and with a rookie quarterback in the mix, I thought they would want to make this an ugly game and just slam the ball at this front, but
Posted on Wednesday:
Cowboys WR Dez Bryant vs. Raiders CB Mike Jenkins
This will be one of those battles where both players know each other after having been teammates before. Bryant is coming off a game against the Giants where he saw an effort by Jason Garrett and Bill Callahan to get him the ball more. Bryant likes these types of matchups where he can fight an opponent all day and Jenkins will not back down. Jenkins as we all know is a press man corner that is most comfortable when he can line up tight to his man, use his hands to stab, then move in the route. As physical as Bryant is, he is still working on having to fight press coverage but each week, he is getting better at it. As important as size is here, experience is just as big of a factor. Where
aggressiveness. I also expect Garrett and Callahan to use Bryant like they did last week in the Giants game with the "In" making Jenkins to have to chase the route to buy separation.
Cowboys Defensive Front Seven vs. Raiders RB Rashad Jennings
This is a matchup, that Monte Kiffin cannot allow to get out of control. If it means walking


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| Maria Guzzo
Any benefit Commercial Metals Co. (CMC) may derive from Barack Obama's proposed infrastructure spending package may be offset by the continued downturn in non-residential construction, according to Morgan Stanley research analyst Mark Liinimaa.
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text:
The Lotus-based Caterham Seven has been around for quite awhile with the first sports car model setting its wheels to the road back in 1973. A lot has changed since then and Caterham is now up for the challenge of producing a speedier model derived directly from the race car that competes in the highly-successful Caterham Supersport championship. The new model is appropriately called the Supersport and can be purchased for £19,995 (including tax) in self-build form (about $32,600 at the current exchange rates).
Caterham Cars engineering director, Mark Edwards, said: "The SP/300.R was our first brand new model for 15 years. But the Supersport is all about our roots. The Seven was born out of motorsport and this new model illustrates the values – accessibility, affordability and unadulterated fun – that have made Caterham the iconic brand it is today and which will ensure the Seven's continuing global success. We've built faster and more powerful accelerating cars before, but the Supersport's character, value and low running costs have generated a machine that will excite sportscar fans, including those on a budget."
Hit the jump to read more about the Caterham Seven Supersport.
Exterior and Interior
The new Caterham Seven Supersport carries the DNA of Colin Chapman's 1950s concept of 'less is more' and remains true to his philosophy of lightweight, minimalist machines. It comes equipped with 13" wheels wrapped in Avon tires and composite race seats and a four-point race harness instead of standard seat belt for the interior.
The new Seven Supersport is powered by a Caterham Motorsport-tuned 1600 cc Ford Sigma engine that delivers a total of 140 HP and is mated to a five-speed 'sprint' ratio gearing, lightweight flywheel and race-prepared suspension. With a total weight of just 1146 lbs, the Seven Supersport will sprint from 0 to 60 mph in 4.9 seconds and will achieve a top speed of 120mph.
The Caterham Seven SuperSport also features uprated springs and dampers borrowed directly from its race car cousin, stiffer anti-roll bars, track biased dash with integrated change up lights, and an aero screen.
The car is perfectly road legal and can be purchased for $32,600 for the 'self-built' variant or $37,600 for the factory built version.
The problem with the Caterham Seven Supersport is that it is not the only car of its kind out on the market. Customers can always opt for the KTM X-Bow , a model that is more powerful and faster than the Caterham. Don't like the KTM? Well, customers can also choose the Ariel Atom which also presents a serious challenge for the Caterham.
The KTM X-Bow is powered by an Audi sourced engine with an output of 220 HP in its basic version with a 0-60mph sprint time of 3.9 seconds. In its R version, the X-Bow gets an incredible 300 HP. However, with more speed comes a heftier price tag. The R-version sits with a price of $103,500, making the Caterham look kind of nice in comparison.
The Ariel Atom is a pretty tasty choices as well with a variety of engines and outputs ranging from 245 Hp to 500 HP for the latest V8 500 version. The Atom kills the competition in power output, but also comes with an astronomical price tag of $225,000.
- Road legal
- Cheaper than competition
- Most impressive Seven in the line-up
- Develops less HP than most of the competition
- Not as fast as similar models on the market


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39 U.S. Code § 206 - Advisory Council
(a) There shall be a Postal Service Advisory Council of which the Postmaster General shall be the Chairman and the Deputy Postmaster General shall be the Vice Chairman. The Advisory Council shall have 11 additional members appointed by the President. He shall appoint as such members
(1) 4 persons from among persons nominated by those labor organizations recognized as collective-bargaining representatives for employees of the Postal Service in one or more collective-bargaining units,
(3) 3 persons as representatives of the public at large. All members shall be appointed for terms of 2 years except that, of those first appointed, 2 of the members representative of labor organizations, 2 of the members representative of major postal users, and 1 member representing the public at large shall be appointed for 1 year. Any member appointed to fill a vacancy occurring before the expiration of the term for which his predecessor was appointed shall serve for the remainder of such term.
(b) The Postal Service shall consult with and receive the advice of the Advisory Council regarding all aspects of postal operations.
(c) The members of the Council representative of the public at large shall receive for each meeting of the Council an amount equal to the daily rate applicable to level V of the Executive Schedule under section 5316 of title 5. All members of the Council shall be reimbursed for necessary travel and reasonable expenses incurred in attending meetings of the Council.
Source(Pub. L. 91–375, Aug. 12, 1970, 84 Stat. 722.)
Effective Date
Section effective Aug. 12, 1970, see section 15(a) ofPub. L. 91–375, set out as a note preceding section 101 of this title.
Termination of Advisory Councils
Advisory councils in existence on Jan. 5, 1973, to terminate not later than the expiration of the 2-year period following Jan. 5, 1973, unless, in the case of a council established by the President or an officer of the Federal Government, such council is renewed by appropriate action prior to the expiration of such 2-year period, or in the case of a council established by the Congress, its duration is otherwise provided by law. See sections 3(2) and 14 ofPub. L. 92–463, Oct. 6, 1972, 86 Stat. 770, 776, set out in the Appendix to Title 5, Government Organization and Employees.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
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text:
This Old House
Barrington Project, Part 5 of 10Series Website »
Episode Guide »
Landscape restoration specialist Kate Venturini arrives from the University of Rhode Island to create a sustainable coastal landscape with the help of local landscape contractor Henry Pereira. Builder Andy Tiplady finishes up the shingles and trim at the master bedroom porch just in time for local metalsmiths to install the custom copper gutter and scupper that will keep rain out of the space. Members of the URI Master Gardener's association lend a hand installing coastal tolerant and native plants on the site, while local sod grower Pat Hogan delivers a freshly harvested fescue/bluegrass blend that will require less water, less fertilizer and less maintenance overall. Renewable energy expert Ross Trethewey makes his debut on the series by taking host Kevin O'Connor to see a lighthouse that is also an off-the-grid bed and breakfast for sustainability enthusiasts. Back in Barrington, plumbing and heating expert Richard Trethewey meets solar hot water contractor Mick Dunn to see the system he's using for the house, and how he properly installs it to withstand the high winds in the area.
More Episodes
Arlington Italianate | Italianate RenaissanceArlington Italianate |Vent Hood, Garbage Disposers, Crown MoArlington Italianate | Decorative DetailsArlington Italianate | Made In The ShadeArlington Italianate | Soapstone, Oval FrameArlington Italianate | Brick, Trim, and TileArlington Italianate | Water, Water EverywhereArlington Italianate | Hydrangeas and Hail StormsArlington Italianate | Old World, New WorldArlington Italianate | Deadliest Old House?Arlington Italianate | Italianate InspirationArlington Italianate | Arlington HeightsArlington Italianate | Details on an AdditionArlington Italianate | Getting to LevelArlington Italianate | Quest for a Dry BasementArlington Italianate | Concrete JungleArlington Italianate | Old House Discoveries (ArlingtonJersey Shore | One Year LaterJersey Shore | Stories from Sea LevelJersey Shore | Go With the FlowJersey Shore | Built for Speed
Vermont transplant and Guster frontman Ryan Miller seeks out far-fetched friends across the state! Available exclusively online.
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text: Advanced Search this wiki Advanced Search Options Select all (Main)TalkUserUser talkWoWWikiWoWWiki talkFileFile talkMediaWikiMediaWiki talkTemplateTemplate talkHelpHelp talkCategoryCategory talkForumForum talkGuildGuild talkServerServer talkPortalPortal talkQuestQuest talkPropertyProperty talkFormForm talkConceptConcept talkFilterFilter talkLayerLayer talkUser blogUser blog commentBlogBlog talkPollPoll talkQuizQuizArticlePlayQuizMessage WallThreadMessage Wall Greeting Articles Photos and Videos Blogs People Everything Top pages Popular articles What's hot now Instances by level - This section concerns content exclusive to World of Warcraft. This section... Durotan, son of Garad, was the chieftain of the Frostwolf Clan, mate of Draka and father of the... Kilrogg Deadeye was a legendary orc warrior and chieftain of the powerful Bleeding Hollow clan... Thrall (birthname Go'el), son of Durotan (born 2 years ADP), was the Warchief of the restored... World of Warcraft: Warlords of Draenor - Warlords of Draenor (sometimes called "WoD" or just... Grommash Hellscream - Grommash "Grom" Hellscream was the chieftain of the Warsong clan, and best... Garrosh Hellscream is the son of Grom Hellscream and former chieftain of the Warsong clan. With... Retrieved from "http://www.wowwiki.com/Special:Search/Oscarwad"


text:
Girl Band | 18/09/14
After a 7 minute single in "Lawman" at the start of the year, a 24 second follow-up in "The Cha Cha Cha", and then the critically accalimed, visceral hissy-fit of "De Bom Bom" ("could this be the best track ever?" - Tom Ravenscroft, BBC Radio 6) the Irish four piece today join us here at Domino Publising.
Formed a couple of years back and influenced by the likes of Bad Brains, Swell Maps, James Chance and...
Avi Buffalo | 10/09/14
We are pleased to welcome new signing Avi Buffalo to the Domino family. Embarking upon a sophomore effort can be a daunting task for any young upstart, and there's no denying Avi Buffalo's own bar was set quite high with 2010's celebrated eponymous debut. Fear not, dear fans/family/friends/friends of friends/newcomers, there's nothing in this tale about The Second Album—a.k.a. At Best Cuckold, due September 8th in Europe and September 9th in North America on Sub Pop—that even remotely...
Will Oldham (born 24 December 1970, Louisville, Kentucky) is an American singer-songwriter, actor, and musician. His music is often (perhaps inappropriately) placed under the genre of "alt-country". Oldham has recorded under many names, including Palace, Palace Music, Palace Brothers, and Bonnie Billy. He often plays and records with other musicians, including David Pajo and his brothers Ned and Paul Oldham, but is generally the chief creator of the music.
He has also been involved in musical projects and bands such as Amalgamated Sons of Rest, The Anomoanon, The Boxhead Ensemble, Tortoise, and The Sundowners as well as releasing his first...


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Basketball http://basketball-shirts.net
This great product in black from our department Men and T-Shirt category can be printed just for you in the size and style you like. The design Basketball was created by Basketball-Shirts and uploaded to Spreadshirt for you to have printed on a T-Shirt. Next to a host of other great designs, you can find this Basketball design in Spreadshirt's Basketball category. If you are interested in topics like basketball or no blood, then you'll love Basketball designs by Basketball-Shirts. Spreadshirt also offers a huge selection of personalised T-shirts, hoodies and accessories for the category Basketball as well as top no foul clothing. Basketball-Shirts's designs have already impressed many of our customers, so we are sure that we've got right stuff for you! Spreadshirt is your shop for great designs of all kinds – whether it's basketball, no blood or no foul. We are sure that you will find something nice in our shop, there are many amazing personalised Basketball T-shirts, jumpers or accessories for you to find!Tags: Design ID: 2101308
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Basketball, NBA - National Basketball Association, NCAA, Basketball Bundesliga, Internet, E-Business, (Online) Marketing, Custom Clothing, Snowboarding, MTBiking
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A timeless classic The world's favourite garment in its purest shape. An essential basic for every day.
still to fill


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Update to version 4.2.2a -- bug fix release.
Update to version 4.2.2a -- bug fix release.
Number of ports [& non-ports] in this commit: 4
Showing files for just one port: french/eric4
show all files
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Servers and bandwidth provided byNew York Internet, SuperNews, and RootBSD
8 vulnerabilities affecting 19 ports have been reported in the past 14 days
* - modified, not new
All vulnerabilities


text:
Some of us see masturbation as a beautiful thing. The most thrilling solo dance. Like a waltz with your hand. Others may truly feel it makes you go blind and grow hair on your palms. Those people clearly are out of touch ... with themselves. But there is such a thing as too much of a good thing. Particularly if we overdose on porn. Men, I'm looking at you. Overdoing self-pleasure when watching unattainable porn sex can make you disinterested in making sweet love with an actual person. It takes away from the beautiful tango you could be doing with a lover.
Out of this, an anti-masturbation movement was born so that lovers can be more lovely when it comes to lovemaking. I can't argue with that kind of thinking. But I don't think we should retire our solo trysts or porno love either. And just like many relationships, this thought is complicated.
The Frisky's Josephine Ledger profiled a piece on how it's a good thing men are reflecting about masturbation. One guy, Greg Barris, was quoted as saying, "I'm resetting my dick and my brain," when referring to abstaining from self pleasure, porn, and even sex with another person. A guy named Henry said when he doesn't masturbate for a long stretch of time it's like being on antidepressants. So not diddling with himself made him feel more "alert, younger and far more attracted to women, better able to communicate with them, better able to perform in bed." Wow. Throw out your Lexapro and shut down YouPorn.
This issue of masturbation seems more focused on men. Perhaps because most women don't masturbate nearly as much as men do. Maybe that's because we're such internal kittens and men have a bone protruding out of their pelvis. Poor things. Perhaps we should feel bad for them ... oh wait, they don't bleed for days every month or go through pregnancy and childbirth and cellulite and having to shave legs and underarms daily. No. I don't feel bad for them at all. But I do feel bad for us women. Because some men just aren't fucking us as good as they can be because they are all screwed up on porn. It's what the other sex uses to masturbate most of the time.
Ledger wrote how she masturbates to the thought of a lover -- past of present. Oddly, I've never spoken to another woman about this but I wish I spoke to her because that's exactly what I think about when I get romantic with myself. Once or twice Ben Affleck but only when he's in the character he plays in The Town. Oh and Dave Grohl. Maybe Jack White. Yeah, David Duchovny. But these are real men, not porno stars doing unrealistic things in unrealistic situations. Porn essentially puts your sex expections on drugs. You need more, more, more, harder, faster, bigger, and while this could sound sexy I mean it in the least sexy way imaginable. It makes men fantasize about women who aren't "real" -- it makes us not be passionate in the way we should be passionate. Maybe too much porn makes men bad lovers, not better ones. Ledger's boyfriend admitted he had a porn problem so he stopped masturbating to it. Switched things up and only thought about her instead when he took matters into his own hands. You can guess what happened -- their sex life "skyrocketed."
When anyone uses the word "skyrocketed" to describe something it makes me want to try it. I think all women and men should therefore try this anti-masturbation to porn movement. Heck, reduce the self-love a little to maybe "re-set" your private parts and your brain like Barris said. You can still watch some porn here and there. Just not obsessively. You won't suffer. Your sex life could be better, even if it's already awesome. Worth a try.
Do you think too much masturbation, particularly to porn, makes sex suffer?
Image via Courtney/Flickr
uhh way to be completely SEXIST in this piece of drivel. I want the last 30 seconds of my life back...
I was going to say something in disagreement with this article but then I read the comments. Now I think there is not much left to say.
Although I will say this, there is such a thing as porn addiction (though at the moment not officially diagnosed in the current DSM-MD, it is likely the be changed) and treatments for porn addiction.
I hate it when women complain about their man masturbating. All guys masturbate. All women SHOULD masturbate. It's not something dirty or forbidden. And for guys, it's not a subsitute for good sex. It's just something they do. Brush teeth? Check. Shower? Check. Fap? Check. Get over it.
And if it IS being used as a substitute for sex, then something isn't right in your sex life. Something way more involved than "yanking it."
As a very liberal feminist, I say this kind of rhetoric has to stop. Not once do you mention porn addiction, but rather, you lump and generalize an entire species. Many men aren't addicted to porn and have active and healthy sex lives, so your tone falls flat for a good portion of readers.
Consider this:
"Perhaps we should feel bad for [men] ... oh wait, they don't bleed for days every month or go through pregnancy and childbirth and cellulite and having to shave legs and underarms daily. No. I don't feel bad for them at all."
Now fill in where [men] is one of these: gays, blacks, lesbians, Americans, children, et al. If it sounds offensive, you're not doing a good enough job making your point.


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5 reasons gold is headed for $3,000
Recent dips are giving us another chance to get in on the great gold rush. The factors driving the metal higher -- broken governments and fragile economies -- aren't going away.
Is the next stop for gold $3,000 -- or $1,000?
With the precious metal seeing some weakness since posting an all-time high of more than $1,900 an ounce -- though it rebounded Tuesday to about $1,800 -- that's the critical question for anyone who caught gold's big run or who is wondering if it's too late to get in.
Few investments bring out more passion than gold does. The folks known as gold bugs never seem to think the price is high enough, while their critics have been waiting since $1,000 for the bugs to get their comeuppance.
But for the rest of us, the challenge is figuring out whether gold's move can go on. Analyzing that involves looking at the reasons gold has been on a tear, and whether they'll continue to be in play.
A careful look tells me $3,000 could indeed be in gold's future, making upcoming dips buying opportunities. Here's why I think gold is headed higher after a correction that could send gold down to $1,600 or lower -- and the best ways to buy in if you agree.
Why gold is heading on up
A $3,000 price tag would have seemed farfetched a decade ago, when the price was around $300, or even when gold first crossed $1,000 an ounce in 2009. But the political and economic uncertainty pushing gold higher isn't over, because debt and spending problems around the developed world look so entrenched.
JPMorgan Chase analyst Colin Fenton just predicted gold could spike to $2,500 an ounce over the next four months. And Tom Winmill, who manages the Midas Fund (MIDSX), thinks gold could trade as high as $2,200 next year, largely due to national budget issues and economic uncertainty. Then in early 2013 after the U.S. presidential elections, an ongoing inability to deal with national spending and debt issues may push it even higher, he believes.
Winmilll won't put a number on how high a budget crisis at that point would drive gold. But think of it this way: To get to $3,000, it takes a spike of less than 30% from his projected 2012 high of $2,200. And as we've seen this year, a 30% spike in gold is not unusual when uncertainty drives investors to the perceived "safe haven" of gold. This year, gold rose from less than $1,400 an ounce to more than $1,900 an ounce, a move of greater than 30%.
Michael Brush
That makes $3,000 not just possible, but in reach.
Why I'm a believer
This isn't the first time I've made a prediction that befuddled the gold bears.
I've twice before published bullish outlooks for gold -- in a November 2007 column, "Why gold is going straight to $1,000," and in an April 2008 piece, "5 reasons gold is headed to $1,500." (Editor's note: Those columns are no longer available.)
Both times those targets felt distant, and both times I heard from the doubters -- mainly because in both cases gold had already seen a big run-up, and they thought it was already overpriced.
By now, those targets have been topped by wide margins. That doesn't mean I'll be right a third time. But there are still compelling reasons to think gold could go much higher.
"The long-term drivers for gold are still intact," says Brian Hicks, co-manager of U.S. Global Investors Global Resources Fund (PSPFX, news), the top-performing Lipper global natural resources fund in 2010. "I don't believe it is in a bubble."
Here's a look at what will drive gold prices higher:
Driver No. 1: Fears of out-of-control governments
You know the litany by now. In the U.S. and Europe, excessive government promises and debt are creating a financial storm. There are no easy solutions. "I am not sure there is the political will to really address the problems," says Hicks. At some point, though, a more serious crisis will hit "and that is when you are going to see gold take off," he says.
And one of the solutions tried so far -- increasing the money supply to spur growth and tax revenue -- may well create lot of inflation, which is bullish for gold. "All of these factors create great conditions for gold, which people rightly or wrongly perceive to be a safe haven in uncertain times," says John Hathaway, the manager of the Tocqueville Gold (TGLDX).
Driver No. 2: Negative interest rates
When the best you can do with your cash is pay someone to hold it -- as opposed to earning interest -- owning gold looks a lot more attractive. And with inflation at 2% or so, and U.S. Treasurys earning around that amount and money market funds earning far less, that's what we have right now. "Negative real interest rates (after inflation) are a big inducement for investors to look some other place to protect value. Gold is going to be one those places," says Hathaway.
Driver No. 3: Central bankers are buying again
Central banks, especially in South Korea, Thailand, Russia and Mexico, are buying gold again, adding to demand. By the middle of July, central banks had bought more gold this year than in all of last year, according to the World Gold Council. For the first time since the 1980s, central banks have been net buyers of gold for three years in a row, points out Deutsche Bank analyst Michael Lewis. And it's not over. "Central banks are likely to remain net purchasers of gold," says the council. Central bank demand could grow even more if China decides to replace dollar-denominated debt with gold as a hedge against a dollar that gets torpedoed by U.S. debt and economic problems. This is likely.
Driver No. 4: Gold supplies are limited
Mining adds only a small percentage to overall gold supplies above ground each year, so the supply is limited. Over the nine years through the end of last year, gold above ground grew at an annual rate of just 1.7% to an estimated 166.6 tons, according to my calculations using numbers from the World Gold Council. "There's so little physical gold, it just takes a small increase in demand to have a big impact on prices," says Hathaway.
Driver No. 5: Gold still looks cheap, by some measures
Unlike a stock, gold has no earnings or cash flow. So how do you decide if it's overvalued? By comparing its value to common benchmarks. And by several comparisons, gold still looks cheap.
Gold would have to hit $6,400 an ounce for it to match its value relative to the Standard & Poor's 500 Index ($INX) when it was at highs in 1980, points out Lewis. And at current prices, gold's value relative to oil and copper is at around the historical average, says Lewis.
So, is this a buying opportunity?
Make no mistake, Hicks and other analysts think gold looks toppy, with the recent bouts of weakness indicating the start of a price correction that's not over.
Using technical signals like relative strength, a measure of how far an asset has moved in price compared to recent history, Michael Painchaud, of Market Profile Theorems, believes gold could correct -- fall in price -- for several months, taking the metal down to around $1,630 an ounce. That's its 50-day moving average, a common support level in corrections. A worst-case scenario would send gold down to its 200-day moving average, or just below $1,500 an ounce.
"Our technical indicators still show gold as being extremely overbought, or trading somewhere between the stratosphere and the ionosphere," agrees Fred Dickson, the chief investment strategist at Davidson Companies.
But if the gold bugs are right about the potential for a medium-term move up to the low $2,000 range and on toward $3,000, you should be buying on the correction. At the very least, given all the uncertainty, it pays to have around 10% of your overall portfolio in gold as a hedge, says Rachel Benepe, co-manager of the First Eagle Gold (SGGDX). Any upcoming move down might be a good time to get it, if you don't have it already.
How to buy gold
So, how to get this exposure?
Any of the gold mutual funds mentioned in this column will do the trick. I've talked with managers at all of these funds over the years, and they've made good calls. So will the gold exchange-traded fund, SPDR Gold Shares (GLD, news).
Hicks, at U.S. Global Investors Global Resources Fund, suggests mining stocks such as Newmont Mining (NEM, news), Barrick Gold (ABX, news) and Goldcorp (GG, news). They should move up when gold prices head higher. And as blue-chip names in the sector, they should hold up better in any further pullbacks in the broader stock market caused by financial instability in Europe.
Benepe thinks mining companies with exposure to South Africa look cheap because fears about nationalization and political risk there are overblown. She cites Goldfield (GV, news), and AngloGold Ashanti (AU, news), in part because they both have a lot of exposure to mining outside of South Africa. For exposure to a blue-chip name with mines in countries with minimal political risk, she suggests Goldcorp, which operates in North America.
Winmill, at the Midas Fund, also likes Newmont Mining, as a high-quality, medium-cost producer with decent growth prospects, whose shares look cheap. And he suggests Eldorado Gold (EGO, news), a high-quality mid-cap gold mining company whose production could double by 2015.
What I don't suggest, despite the barrage of advertisements from gloom-and-doomers like Glenn Beck, is that you buy actual gold as an investment. The reasons: It's hard to find a reputable dealer with a fair price. Plus you may have to pay to store your gold. "Owning physical (gold) is a dumb idea," says Hathaway, of the Tocqueville Gold Fund. "I don't recommend it."
But if you're in love with the idea of gold you can touch and hold, knock yourself out. Just try to avoid paying a big markup; that can wipe out any investment value.
Of course, the biggest risk to the bullish case for gold is that governments get their act together and come up with a credible way to deal with excessive spending and debt. But that's about as likely as finding a pot of gold at the end of a rainbow, respond the gold bugs.
They just might be right.
At the time of publication, Michael Brush did not own or control shares of any company or fund mentioned in this column.
Michael Brush is the editor of Brush Up on Stocks, an investment newsletter. Click here to find Brush's most recent articles and blog posts.
If Congress cuts the military budget and pulls out of Afghanistan and Iraq. If Congress stops putting up barriers to operating a business in the USA and instead makes it more profitable to operate here rather than overseas then our economy will come back strong. If we adjust the retirement age for social security to account for longer life expectancy and change the rules so you have to pay in to collect then Americans will gain confidence and spend again. If someone finally addresses the illegal alien problem either by making them leave or making at least some of them legal so they are required and able to pay taxes and social security like the rest of us our economy will benefit.
We need a leader to step up and have the confidence and intestinal fortitude to deal with the issues. I will vote for that person and support them and I think a lot of other Americans will also.
Wow, I guess no one here knows what a secular bull market is or how to identify a true asset bubble.
Old invader zim mistakenly thinks the industrial uses for gold make up a significant portion of demand. Do a little reading about a subject before you comment please.
Too many technical chart fan boys that lap up the mainstream expert opinions which have been gold-negative for years. You all missed a 400% run.
Why do the expert advisors hate gold bullion so much? Because they don't get a cut of the action.
To understand gold, you need to study the fundamentals; not charts. Worldwide investment demand is steadily increasing because the "full faith and credit" of the United States is in doubt, and rightfully so. The world reserve currency(dollar) is being intentionally de-valued to reduce the debt obligations of the government and elites. To protect their exports(and their political elites), every other country has followed suit with their currencies. The euro will be a memory soon unless it is suddenly de-valued. We US citizens are a small percentage of the world population and most are ignorant to the currency failures that have recently occurred elsewhere. Just about every human on the Asian continent has knowledge of governmental abuses of paper money. They are buying physical gold like there is no tomorrow. But here the standard of living hasn't been lowered enough(yet) for you to question your leaders motives.
You missed a huge run-up...there's still time to diversify with at least a little gold. But you will not do it will you? Put all your money in index funds and keep that great run going.
Gold is one heck of a deal and actually should be closer to $10,000 a ounce....
We're living in very profound times that are actually worse than the Depression...back in the 1930's at least people still cared for one another and their Country....
Now days a honest guy will use a gun to protect his family and home, while a bad guy will use a gun for his next meal or drug habit. That wasn't happening in the 1930's!
I don't think people realize how close we are to social and economic collapse.
Until the fed stops printing money with nothing to back it, gold and silver will contiue to rise. Believe or not, there is a dollar bubble that is yet to pop.
Bought silver at $17 and ounce its at $42 right now. Made more money off of the silver than I ever would in a savings account.
Just my opinion.
When I sat the other day to reason if GOLD @ $3,000 or 4,000 is reasonable.....As a skilled mathematician and as an investor myself I figured the followingP
In 1982 (almost 30 years ago),I bought a few ounces of GOLD BARS at the price of $442 an ounce.At that same time,the 30 years US BONDS ,including the ZERO COUPON BONDS were yielding around 14.75% compounded.
Now,doing some calculations will tell you that any sum invested at that time in these bonds is worth now around 62 times its original value.
The return on my gold holdings during that same period is only 3% compounded.
This means that proper evaluation of gold with respect to the dollar,if a comparable valuation is desired is around $12,400 an ounce.
So,as you can see $3,000 or even $4,000 an ounce is not only reasonable ,but rather
@ silvercc
"The "Federal Reserve Note" does not belong to us, it's printed out of thin air by the Federal Reserve. Since 1913 when the Federal Reserve took control, the dollar has lost 97% of it's buying power, which is not Federal, but 12 private banks, 7 of which are foreign owned."
This is the part most american don't understand. Despite the name "Federal Reserve Bank" the 12 banks that make up the Federal Reserve Bank is actually 12 private banks that decree that their federal notes is actual money (fiat currency) which now has no backing and will eventually go to it's intrinsic value of zero.
OK, That's it, I am selling my gold. I bought 2,000 ounces of gold in 2001 at 470.00 and I think it is time to sell.
I bought real, hold it in your hand, 24k gold in ingots that weigh 1 ounce.
It is funny to see people still buying paper gold at such a high price.
paper gold is not real gold and when people want to hold it in their hands, it won't be there.
There is only so much gold, and right now there are more people buying it, than there is real gold to sell.
Maybe I will only sell 3/4th of the gold I have, and keep some.
only two thoughts
1) gold & silver will continue to climb over the next 8-12 yrs or until Govt pulls it's head out of it's a**.
2) I have 5-6 oz to sell. real physical gold I pulled out of Mother Earth. Anyone paying for "paper gold" is a sucker. When the Economy tanks take that paper down to the Market and try to get some bread........
There's no doubt that gold $1900 could have been an interim high. It could meander here for a year. Nothing goes up in a straight line. Can a correction occur? YES! Could that correction exceed 20%? YES! Would a 20% correction signify a long term trend reversal? NOT EVEN CLOSE! Considering that the last time I personally bought gold was a MERE THREE MONTHS AGO and I paid $1478, I'd say it was a good decision. How did your beloved equities hold up over the last three months? Do the dividends you receive even come close to offsetting your losses? Did your broker and your mutual fund companies stop taking their fees while you were losing 15% of your hard earned savings?
Bonds have had a great 40 year run.(talk about bubbles!) But yields are now hitting a low end wall. Foolish people parrot the Wall Street pundits and scream "gold pays no dividend and has no yield", but these same people are willing to PAY the government 2% or more to hold their money! Ironic to say the least.
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[BRIEFING.COM] The stock market finished an upbeat week on a mixed note. The S&P 500 shed less than a point, ending the week higher by 1.3%, while the Dow Jones Industrial Average (+0.1%) cemented a 1.7% advance for the week. High-beta names underperformed, which weighed on the Nasdaq Composite (-0.3%) and the Russell 2000 (-1.3%).
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- Video: Easy DIY smoked meats at home
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neworleans: October 2009 Archives
Rebirth Brass Band snare drummer Derrick Tabb is nominated for a CNN 2009 "Heroes" award. He deserves it. Vote him in here.
You'll feel heroic too.
Here's my testimony on his behalf:
I remember in 2007, when Tabb and his brother, Glen David Andrews, were arrested during a memorial procession in Tremé for a fellow musician who had passed away. Outside the courthouse where the two had to appear, their attorney Carol Kolinchak read out loud the charges against the two, which were illegible on the carbon copies of citations they'd been handed: "parading without a permit," and "disturbing the peace by tumultuous manner." She'd entered not-guilty pleas on all counts. Tabb pulled out a pen and noted the spelling of tumultuous; he wanted to check the definition carefully, to understand how he could qualify for such a description.
The city dropped the charges a few months later with no further comment; that development received far less attention than the initial arrests.
I'll never forget Tabb outside that courthouse. He was angry about the arrest. But instead of lashing out, he struck out against the poor conditions in local schools and lack of both proper instruction and decent instruments when it came to music education. In 2007, he was dreaming big, about a program he wanted to call "The Roots of Music."
He wanted to create an after-school program to augment the school district's gutted music programs, and to help develop students into brass-band musicians. "Right now you don't have the musicians in the neighborhood anymore because that environment is totally gone," he said. "This city had five great band directors in high schools when I came up." And it was about more than just music. "Right now, it's easier for a kid to get a gun than a trombone. We're trying to change that reality."
Two years later, Tabb's idea is a reality...
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Douglas McLennan's blog
Dalouge Smith advocates for the Arts
Art from the American Outback
For immediate release: the arts are marketable
No genre is the new genre
David Jays on theatre and dance
Paul Levy measures the Angles
Judith H. Dobrzynski on Culture
John Rockwell on the arts
innovations and impediments in not-for-profit arts
Jan Herman - arts, media & culture with 'tude
Apollinaire Scherr talks about dance
Tobi Tobias on dance et al...
Howard Mandel's freelance Urban Improvisation
Focus on New Orleans. Jazz and Other Sounds
Doug Ramsey on Jazz and other matters...
Jeff Weinstein's Cultural Mixology
Martha Bayles on Film...
classical music
Fresh ideas on building arts communities
Greg Sandow performs a book-in-progress
Harvey Sachs on music, and various digressions
Bruce Brubaker on all things Piano
Kyle Gann on music after the fact
Greg Sandow on the future of Classical Music
Norman Lebrecht on Shifting Sound Worlds
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Wendy Rosenfield: covering drama, onstage and off
Chloe Veltman on how culture will save the world
Public Art, Public Space
Regina Hackett takes her Art To Go
John Perreault's art diary
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In JellyJiggle it's all about moving delicious looking jelly blocks with a cute and wobbly cube named "Jay" thru various environments into specific goals. Sounds like a no-brainer? Well, it's not! After the first easy to solve levels, the player gets confronted with tasks that will make his brain work overtime. The key to success in JellyJiggle is actually good logical and spatial thinking as well as the right tactics.
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Inside a Star-Filled Sky Review
There's nothing quite like a super challenging retro-style shoot 'em up. The genre that captivated gamers back in the 80s was known for its punishing gameplay, and over the past couple of years, we've seen the shmup make a triumphant return. Inside a Star-Filled Sky from indie developer Jason Rohrer is similar to shooters that challenge you greatly, but it's also completely different. It's the... Read More


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International Students
Washington & Jefferson College welcomes students from all over the world to learn more about the phenomenal opportunities and resources available to our students. On-campus learning is bolstered by our distinguished faculty and and state-of-the-art facilities. The Magellan Project, a program unique to W&J, assists students in summer travel projects at every corner of the globe, while our campus itself is just an hour from the City of Pittsburgh and all it has to offer.
If you're planning to study at W&J, you will find these forms helpful:
The Office of Diversity Programs and Multicultural Affairs, the Office of Study Abroad, and the Office of Student Activities each have resources and programs to help you transition into life at W&J and feel at home here.
You can see what classes and academic programs will be available to you at W&J in the W&J Course Catalog, and you can learn even more about our students and campus life by watching these W&J videos.
We also encourage you to visit campus to get a first-hand look at what W&J is all about.
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This story has bacjockery (yes, we made that up) written all over it.
First, you have a woman who is not only the coach of a girls softball team, she is also in the city council in North Belle Vernon, in PA. A friend of her daughter's stays overnight at their home when the girl is 12 and when the kid gets a stomache ache, coach/councilwoman allegedly kisses her. According to the victim, things progressed over the next two years from "kissing and groping to oral sex and experimenting with sexual devices." They even took a trip to the mall to get a sex toy together.
Things started to unravel when the mother of the girl found sexual pictures of Heather M. Prinkey, 36, on the kid's cell phone. Prinkey's explanation? She meant to send the naughty pics to her boyfriend at the time. Later though, the victim told her mom what was going on and now Prinkey faces multiple charges of involuntary deviate sexual intercourse and single counts of statutory sexual assault, aggravated indecent assault and endangering the welfare of a child.
Here's more from Pittsburgh Live:
The girl met Prinkey when she coached the Belle Vernon Bombshells softball team and then the girl became "best friends" with Prinkey's daughter, who was the same age in 2007.
She testified Heather Prinkey and she first became intimate during a sleepover in October 2007. The girl, who was 12 at the time, said she had a stomachache during a Halloween party Prinkey's daughter was hosting. She climbed into Heather Prinkey's lap and Prinkey kissed her on the mouth, she said.
During the more than two years that followed, she said, the alleged assaults went from kissing and groping to oral sex and experimenting with sexual devices. The girl described a shopping trip to Westmoreland Mall in Hempfield, where Prinkey purchased a sex toy.
The girl often stayed overnight at Prinkey's home because her parents were in the process of divorcing, she said. The girl said she often went to sleep with Prinkey's daughter, and Heather Prinkey would come upstairs to the bedroom, awaken her and take her down to the living room. Occasionally, the victim said, Prinkey would share wine coolers with the girls.
Westmoreland County Detective Robert Weaver said the girl's mother called police in May 2008 when she discovered sexual photographs of Prinkey on the girl's cell phone. Prinkey claimed the sexy photographs were meant for a boyfriend and erroneously sent to the girl, Weaver said.


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WEST PALM BEACH, Fla., (UPI) — A Florida sheriff said jail inmates will not be supplied with dental floss, despite four lawsuits filed by inmates.
Palm Beach County Sheriff Ric Bradshaw said he will not give in on the issue, despite four lawsuits from inmates who want floss to be available in the jail commissary and are seeking damages for "pain and suffering," the South Florida Sun Sentinel reported Thursday.
"I don't care if they file 400 suits, they're not getting it," Bradshaw said. "You're not the mayor. This isn't the Ritz-Carlton."
Bradshaw said dental floss is not allowed in the jail because it can be easily turned into a weapon or a rope.
"We're not going to give them something that could easily be turned into something else," he said.


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Be Compassionate and Understanding
"Judging a person does not define who they are; It defines who you are." Just that saying alone can make a person think. In fact, when we judge people, we are actually showing others what is happening inside of us, which is an internal tempest, a poisoned environment.
Judging people (and I'm referring to everyday life) is at most times incorrect, because it is more of jumping to conclusions on the behaviors of the person, instead of what is truly inside.


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JONESBORO, AR (KAIT) - New details are emerging almost two weeks after Porfirio Sayago Hernandez shot seven people, killing three, before turning the gun on himself.
Sgt. Doug Formon with the Jonesboro Police Department said the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) is investigating how Sayago Hernandez got the gun.
"So far, ATF has let us know that the original purchase appears to be in 1989 at Walmart in West Memphis, Arkansas," Formon said. "It makes it tough because if you sell the gun from one individual to another, paperwork's not required so it could have changed hands ten, 15, 20, 50 times. It's kind of tough to track all that unless it went through some type of a licensed gun broker."
Formon said ATF is trying to determine if the gun ever went through a broker like this.
Also, two victims remain in the hospital, but Formon does not know their current condition.
The family has requested that the hospitals stop releasing information to police.
"The family has requested a privacy setting be placed on the victims' information through the hospitals in Memphis," Formon said. "So at this point, unless something drastically changes in one of their conditions, we won't be notified."
Formon said the hospitals and family will notify police if the victims were to pass away.
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