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Honey's financial goals for 2013
Published on - January 2nd, 2013 (Modified on - January 8th, 2013) (by Honey Smith)
This post is by staff writer Honey Smith.
Now that I've taken stock of where I've been in 2012, I'm ready to set goals for 2013. I want my goals to be ambitious enough that meeting them is a true accomplishment requiring me to stretch my growing money-management skills. However, I also want them to be realistic and personal (revolving around my priorities).
Goal 1: Pay off $5,000 in student loan principal
Since I've paid off almost $5,000 worth of debt just in the last six months, I think this is a reasonable goal. However, it will also be challenging because the majority of my debt-payoff so far was due to two windfalls that won't repeat themselves going forward.
First, I will concentrate on paying off the remaining $3,249.73 remaining in my small balance. Paying that off will increase my monthly cash flow by $47.56 and reduce the number of bills I pay. Once I've put that balance to bed, I can start concentrating on my mega-loan.
Like my small loan, my mega-loan is actually considered two accounts: $59,160.77 in subsidized borrowing and $35,422.08 in unsubsidized borrowing. I'll target the unsubsidized balance first.
By the end of 2013 my goal is to have a zero balance on the small student loan and a $33,000 or so balance on the large unsubsidized balance.
Goal 2: Buy a house
Currently, we rent a two-bedroom condo about 10 minutes from my job; it costs $976 per month. While our current place has served its purpose (especially since we've been there almost four years), the size and layout aren't conducive to the fact that Jake now keeps a home office. There are banker's boxes stacked in every room, and he's only going to accumulate more business paperwork. The home no longer works for us.
With interest rates so low, as well as the fact that we aren't going to be relocating to another area of the country within the next ten years, it makes sense for us to buy instead of rent. We've actually already met with a mortgage broker who is an old friend of Jake's. Credit-wise we are in good shape (my credit score is over 790 and Jake's is about 750). We will be eligible to apply for an FHA loan after we do our 2012 taxes, since that will be Jake's second year of self-employment income.
We'd like to stay in our current area (i.e., within five miles of my work, since Jake works from home and his "commute" will be the same no matter what). Our target price is about $150,000. In addition to the costs associated with buying the home, there will be moving costs and also new furniture. Our bookshelves, couch, and dining set won't survive another move; we do plan to use the Redesign by Goodwill store as our first-stop furniture store.
Regardless of whether we buy or rent, our goal is to be living in a home that meets our current needs by the end of 2013.
Goal 3: Saving for travel
Neither of my bridesmaids live in my state or the state where the wedding was held. As such, they traveled quite a bit for wedding-related events. While they were happy to do it, they've stated that the next round of travel is on me. Currently, they live in Philadelphia and Boston. The plan at this point is for me to take at least two weeks in Summer 2013 and visit them.
If possible, I'd also like to swing through Vermont to visit my best friend from grad school and her growing family. While the trip shouldn't be ridiculously expensive (since I'll have a place to stay in every city and can take the train between Boston and Philadelphia), I'll have to bulk up my online savings account and save in order to travel.
Also in 2013, Jake's cousin is having her first baby in April. Not only is she the relative he's closest to, she lives two hours outside of Chicago, close to his grandparents. The last time we saw his grandparents was in September 2011, and they are in their nineties and can't travel. It would be nice if we could make it out for the baby shower.
Looking ahead to 2014, the bridesmaid who came on our honeymoon met her now-fiance on the cruise. She has already asked me to be a bridesmaid and it is likely the bridal shower will be in her hometown, so there will be a trip to Boston in March 2014. The wedding will be in May, in the groom's hometown of Atlanta.
Ideally, I'd like to pay for the Chicago and Northeast trips out of pocket and have $2,500 in my ING Savings subaccount earmarked for 2014 travel by the end of the year.
Goal 4: Expand my side gigs
My friend Shawn continues to give me SEO work with regularity; he's also giving me bigger projects as he becomes more confident in my understanding of SEO principles. While the work isn't especially interesting, I am learning a lot. I also find that being paid by the project is oddly satisfying. I'd like to be comfortable enough with the process to transition into seeking out my own clients by June. I also need to set up a Paypal account for the business so Shawn can stop sending me checks in the mail.
Checks are not terribly convenient for either of us, nor is it the safest way of sending money; one of the checks he sent me was stolen by a post office employee and the matter is under federal investigation (which I had never heard of!). Automating your finances removes some of the risk assumed by human interaction.
I'm also interested in expanding the blogging side of my business, whether through seeking out additional freelance opportunities, starting my own blog, or both. While starting my own blog arguably has the most potential long-term, it also has the lowest payoff in the short-term. I am also not sure what I'd like to write about the most (I have several things in mind). So I'll have to give this more thought.
Regardless of the source(s), my goal is to bring in at least $5,000 in side income in 2013.
What are your goals for 2013?
Although paying off my student loan debt is important to me, it's equally important to me that I live a full life in the process. That's reflected in my goals. Other people (in debt or otherwise) may have different priorities. It's all about doing what works for you.
Do you set financial goals each year? Is there another method of goal-setting that works better for you? What do you want to accomplish in 2013?
I tried to make goals more focused this year by outlining exactly what I will accomplish, not just financial hopes for the new year. I am not anywhere near as focused as you are.
I wonder what your blogging goal is? To increase readership? revenue? or the number of posts?
I have a few goals for 2013. One is to declutter! Need to have a few garage sales and sell more on eBay to get rid of stuff I don't really need. Plus, the extra moneey will come in handy. Extra money is always good when you are on a strict budget. Another goal is to do a list of all my passwords and recurring payments so hubby knows where I pay all bills. Check out my site for many money saving tips and my ways to make extra money.
I love a good declutter. I think moving will be good impetus for that!
I like to set goals and I like to post them where I can see them. This has been very effective for me.
My financial goals this year are:
*Refinance the house (closing will be in about 2 weeks)and use the difference each month to pay off approximately $8000 in medical bills.
*Find/create additional opportunities to enhance my career and earning power. I would like to increase my yearly earnings by $6000-$10,000 over last year.
*Fortify our emergency fund.
I always have some financial goals for the year (amount that I'd like to pay off of my student loans, savings goals and fun goals like vacations) though I don't always associate them with the new year.
One thing I wonder with your goals is about your living situation. 150K for a house doesn't seem like it's going to buy you much in the way of additional space which seems to be what you're looking for there (where I live that's the going rate for a bachelor or one bedroom condo). Are you in a less urban area and have you researched starting prices there?
We're in the Phoenix metro area, one of the hardest hit in the recession. A standalone house is median $130K and a condo about $90K. It's slightly more in the area we want to live. But $150K should get us a three bedroom standalone house, which is what we're looking for.
I implicitly set up a bunch of goals by setting up pre-authorized contributions: keep the kids' education savings account growing fast enough for the full grants, wipe out our remaining mortgage debt, give regularly to charities I believe in and which are working in areas governments are failing at, and keep plugging away at growing the house/emergency and retirement funds. I also hope to avoid paying line of credit, credit card or late-payment interest all year, and get the family taxes done within a week of getting all the slips and forms.
Also, like Joan, if we can reclaim some physical and mental space by decluttering, that would be great. Maybe one room or space at a time.
Good luck with your goals, Honey!
I'm not big on New Year's resolutions, but for 2012/13, the change in years happened to coincide with an international move that has a zillion lifestyle and financial implications.
So my goals are to stop acquiring stuff, especially clothing, mostly be becoming more mindful of what we truly need and want, and to find every penny we can for travel, even if it means slowing our retirement investing a bit. The time living in Europe is limited for us and we want to eek every bit of travel and adventure we can out of it. We have no debt, other than a home mortgage and investment property mortgage, so we feel fairly comfortable making a conscious decision to spend more in 2013. We have cuts in mind (the aforementioned Stuff Spending tightening) to offset some of the travel, but it won't make up for all of it.
My biggest financial goal is to really prioritize the trips we've been hoping to take "someday, before kids" until September(mainly just to visit friends and family in different states, and maybe the bigger vacation we've been saving for since our wedding, but maybe not). From September on, it's going to be job-searching and family-discussing time, we have a good emergency fund and decent savings to help us transition, and our incomes are too low to max out our IRAs or save for a house…so we want to take the opportunity to travel in these months while our situation is still stable and predictable.
My goal for 2013 is to buy my first rental property.I really just want to get it overwith lol, because I figure the first one is always the scariest.
I was planning to buy in 2014, but I set some money aside for an expensive overseas trip to visit with family, which is not happening now, so I can put that towards the purchase. Other than the typical resolutions, like to become healthier, this is my main goal. I'm the type where I do best to focus on one large goal.
I love how specific your goals are. I think that's key in actually accomplishing them. My husband and I set some goals for 2013 on our blog, and a few commenters recommended mini goals! So in addition to our 2013 goals, we are setting mini goals at the start of each month, which I think will help with our success in accomplishing the big goals!
Good luck!
Long story, but we added a sun room to the house for $ 33,000+ this year, paying half in cash and refinancing the house for the rest. We are currently about $ 7,000 more in debt than at this point last year, but really enjoying the new space.
Goals for this year: (1) pay off the rest of the addition and get back on track with mortgage reduction (2) pay for daughter's wedding (suprise!) (3) every 6 weeks, start a new project on our list of defered maintenance.
This should all keep us frugal and happy.
That looks like a short, quality list of goals for the new year… well chosen! My goals relate to my blog: 500 subscribers, 50 unique visitors per post day, and payout from AdSense. I've already mentioned these in a comment on a previous post, but you asked.
Speaking of my blog, today I've published a new post I've been thinking over for a few weeks now. So if you have some time please come read, discuss, and perhaps subscribe. I'd greatly appreciate it.
Happy New Year with peace and prosperity to all!
I love seeing everyone's goals — so inspirational
My financial goals for 2013 are to make my next career move — new job? new business? both? — and to learn more about investing. Since some key parts of my life are up in the air right now, I think this is a good year to learn to be more flexible too.
Good luck, everyone!
2013 Financial Goals:
1. Pay off all student loans: $8,000
2. Pay off car 1: $6,000
3. Pay off car 2: $11,000
4. Celebrate being debt free on family road trip
5. Begin saving for house down payment: target purchase date summer 2014
I'm in a similar place as you financially (with more student loan debt, though). My plan is to apply for public service loan forgiveness after 10 years of income-based repayment (2 years down, 8 to go). It doesn't make sense for me to throw all my money at a debt that will be forgiven and, even if I went at it full-force, it would take me more than 8 years to pay off. So, I'm just treating it like a monthly expense and not as a debt to pay completely off. My biggest financial goal right now is to buy a house. Everyone says to be debt-free before purchasing a house, but that doesn't really fit my situation. So, here are my financial goals for 2013 (income= 68K):
1. maintain fully funded emergency fund
2. pay cash for a family vacation
3. save $20,000 towards house downpayment
4. put $100/month into son's college fund
5. save $4,000 in retirement account
Good luck with all your goals. I find just stating them to the world helps me feel accountable for them and therefore I attempt to stay on track. I don't always succeed but I am trying.
My goal for 2013 is to live off of one salary. We come pretty close but we made a pact to try and live off of my husband's salary for the month of January and use my salary for principal payments to the mortgage. If we can do it for this long, dreary month then February will seem easy!
Please do let me know how that works out for you. We've got the same goal – live off our smallest salary and throw all of the larger salary at the mortgage in an attempt to have the house paid for in 3 years. So far, we're running into problems. Son's car just died (for the last time) so we're going to have to spend some of the $ we were hoping to throw at the mortgage getting him a replacement beater. Not off to a good start yet.
We run into setbacks as well and I don't see this experiment always being feasible. Luckily, by trying to live off of one salary, we will have my salary to pay for the unexpected and not have to tap into the emergency or travel fund.
Good luck with your goals, Jim! I am really impressed if you are able to live off of one salary with teenage kids. They are lovely but teenagers aren't cheap
Your comment made me laugh out loud. Teens are lovely, but not cheap – ha! Our son is a recent college grad – headed for law school. Trust me, teens are cheap in comparison. Oh well – the journey continues. Best of luck with your goals. Hope you guys make it even sooner than you think.
No major financial goals for 2013 – this year is just saving more and spending less than year's past. We started building our emergency fund around March 2012 and it's 33% funded at this point. Slowly, but to be fair, I keep upping the final amount.
We talked about living off of my income this year and saving his which would require a complete lifestyle change, but it's likely not to happen. Maybe when we get married.
No solid goals this year other than setting ourselves up nicely for 2014-2015.
Honey, I think your goals are great. On the house – are you planning to have children in the next years? We have three children in a three-bedroom home, but there is no room for a dedicated office space – I have mine in a weird multipurpose room.
Great goals! I'm sure you can accomplish them all, especially if you tackle them in the order they appear here.
This is a year of financial goals for me, too. Some of them are similar to yours, such as buying a house and getting more side gigs. I am also looking to establish insurances, retirement accounts and college funds for my kids.
Hi Honey,
I am just wondering if Jake has ever thought about scanning all the papers in the bank boxes. He would need to have an excellent back-up system, but this would be a good way to de-clutter and make the 2-bedroom apartment more liveable. As an added bonus, you'd have less to move if and when you decide to buy a house.
I had binders and binders full of papers, and when I made the decision to scan them all, it cleared up so much space in my apartment! It will take some time, but it's worth it!
Honey, those are some great goals, what about personal ones too? For example, three of my five are about money but the other two are to quit smoking and stop biting my nails. Financial security is not enough, I want to become a better overall person as well. Do you have any non financial goals?
Setting personal financial goals is an important step in gaining financial independence. For 2013 I have three debts I am targeting, I won't go into detail but one is fairly large and the other two are manageable. Two key goals for me in 2013 are to retire $15,000 in debt and grow my net worth by at least 15%.
Goals work brilliantly if you know what you want. I've noticed some clients struggle with goals because they cannot sort out what they truly want.
Here's a great book that's a real help if you struggle to know what you really want:
You should check out http://dwolla.com instead of Paypal. Transfers under $10 are free. Anything $10+ is only a quarter. Hardest part will probably be to get your referring/payor adopt Dwolla, too.
It won't pay your loans anytime soon, but it'll help and help with saving up some spending cash.
Actually, I leave it neat out of self preservation. Leaving a mess is a sure fire way to forget something. I straighten the bed (not making it, but getting more than halfway there), and leave the towels in a somewhat neat pile. I don't believe making a mess just because I can. I agree with Crystal be compassionate for the workers who have to clean up after you.
Hey jim, I saw your question up top in re: "fully funded"—a lot of people use Bogle's 12 times your final salary as their goal. As a yardstick, under that system, you can guide your progress with benchmarks. 1 times your salary by age 30, 1.4 by 40, 3.7 by 45, 7.1 by 55, 12 by 65. Since no one knows their final salary, this is the easiest way.
Well, that's fascinating.
Though looking at it more, I'm wondering if the date on that post is wrong (though what a weird blog error if so). All her other posts are much, much earlier, and the posts before that detail plans for the cruise ship wedding she's talked about here and are otherwise consistent with what she's presented. Why lie about your wedding date while keeping all the other details the same? Seems odd.
KSR, I think it's like Katie said and that's a re-dated / non-current post.
Here and now she's sort of trying to get out of debt and maybe provides a mirror for other people in the same boat and with a similar mindset to see some not very constructive thinking in themselves. That might be a good thing?
And also–according to that post, she and Jake aren't even married yet.
Why do people keep saying that Honey is not married?!!! She is already married and if you actually read the post she discusses that one of the bridesmaids from her wedding is about to marry a guy she met at Honey's wedding.


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WMP 11 has the Urge to unseat iTunes
In this week's MP3 Mailbox Monday blog, Jasmine explains how you can cull from iTunes in order to get podcasts for you SanDisk MP3 player.
Why Microsoft refuses to give Windows the ability to print the contents of folders is a mystery, but there are several ways to circumvent this limitation--with or without freeware.
For Windows XP users, Windows Media Player 11 is a must-have upgrade. It's Microsoft's best jukebox effort to date, thanks to a thoughtful redesign, impressive performance, and a ton of useful features.
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Check out this tip for step-by-step instructions on converting protected WMAs to MP3 files for playback on your iPhone, iPod, or other MP3 player.

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This conversation starts with commentary on patriotic-themed football uniforms and ends with the Star Spangled Banner being called "a war anthem. " True, it was born in war and describes a battle. But the name "war anthem" suggests it's a battle cry or call to war. In that regard it falls short. It is, really, a freedom anthem; celebrating that the banner continued to fly over the land of the free; America was still the land of the free and the home of the brave because the flag was still there.
As for singing it at the start of sporting events; opposition to this has cut across ideological lines. Some consider it politicizing a sporting event, which I think is nonsense, unless you have political opposition to honoring your country. Some go the other way, and see it as cheapening the Anthem.
I have always seen it this way; in a few minutes, on the field of play, two opponents will meet and compete, fiercely. But before then, we all stand, honor our country and recognize that whether our team wins or loses, we're all Americans.


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Sara Lynn Evans was raised on a farm near New Franklin, Missouri as the oldest girl amongst seven children. Music has always been a part of her life and by age five was singing every weekend in her family's band. When she was sixteen, she began performing at a nightclub near Columbia, Missouri, a gig that lasted two years. She moved to Nashville, Tennessee in 1991 with the goal of becoming a country artist.
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WILMINGTON, Del. (AP) -- The Los Angeles Dodgers asked a U.S. Bankruptcy Judge on Friday to disallow claims against the team filed by Bryan Stow, the San Francisco Giants fan nearly beaten to death outside Dodger Stadium last spring.
Stow and his family sued the Dodgers in California state court, then filed the claim with the federal court in July, weeks after owner Frank McCourt put the team in bankruptcy.
"The Stow claim is, when stripped to its core, based on the faulty premise that a landowner is an insurer of the safety of persons on its property," the Dodgers said in a 37-page motion filed with U.S. Bankruptcy Judge Kevin Gross.
Stow sustained a severe brain injury when he was attacked after the Dodgers' home opener against the Giants on March 31. He was hospitalized until October, then moved to a rehabilitation facility.
Louie Sanchez and Marvin Norwood were charged in the attack, which police described as the culmination of a string of confrontations they had with randomly selected Giants fans at the stadium.
The Dodgers said there were 442 security personnel in the ballpark and parking lots that day, including police. The team said that was an increase from 398 for the 2010 opener and 308 for the first home game in 2009.
"Stow cannot prove any link between the additional security related steps that Stow contends the debtors should have taken and his injuries," the Dodgers said in a statement. "Stow cannot show that anything about the security personnel staffing on opening day caused his injuries and, furthermore, the security staffing at the game greatly exceeded all requirements of California state law."
In addition, the Dodgers said the team "had no knowledge of any inappropriate conduct by Stow's assailants prior to the time that Stow sustained his injuries and, as a matter of law, are not liable for failure to anticipate criminal acts of third parties."
Stow's lawyer, Thomas Girardi, did not respond to a telephone message and an email seeking comment.


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The news comes as buzzkill for the state's hobbyist winemakers: The California State Fair Home Wine Competition has been canceled for the second consecutive year, purportedly due to budget constraints and other factors.
This information comes amid other recent changes to the State Fair's wine competitions.
G.M. "Pooch" Pucilowski, who served as head judge for the fair's commercial wine competition, has been replaced by two co-chief judges: Mike Dunne and Rick Kushman.
Longtime readers will recognize Dunne as the Bee's former food and wine editor (he still contributes wine coverage for the Bee), while Kushman is the paper's former TV and "Good Life" columnist who doubles as a certified wine educator.
The State Fair's home winemaking competition had operated for three decades, first by the Sacramento Home Winemakers Club and overseen by Pucilowski for its last six years. At its height, the competition judged nearly 1,200 wines from amateur vintners around the state. The competition became a proving ground for winemakers before they jumped into the commercial world, including Tim Holdener of Macchia and Dave Dart of d'Art Wines.
"There must be more than 10 in Lodi alone," said Pucilowski, about the home winemaker winners who later became successful pros. "When I first started there were about 500 entrants. Slowly it was growing into a big and respected competition."
In an email to prospective competitors, Pucilowski said management changes at Cal Expo, along with budget constraints and venue conflicts, were to blame for the cancellation.
We'll see if this valued competition ever gets resurrected. In the meantime, Pucilowski continues to work as a sales representative for numerous wineries.
Bring out the barbera
Mark your calendars for June 8, which marks the date for the third annual Barbera Festival in Amador County. We're giving you the extra heads-up since this event has become so popular in previous years. The first two Barbera Festivals were sellouts.
More than 80 wineries from around the state will converge on Cooper Ranch in Amador County, the home of Cooper Vineyards, to pour this popular Cal-Ital variety. Tickets go on sale March 1 and cost $40 in advance, and $20 in advance for designated drivers.
For more information: (209) 256-4141, www.BarberaFestival.com.
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An abnormally low heart rate. When referring to the fetal heart rate (FHR) tracing in labor, abnormally low heart rates can signal problems with the fetus before delivery. The FHR is often monitored for abnormalities of the heart rate. Fetal bradycardia episodes are sometimes called FHR decelerations. Some types of FHR decelerations are common during labor. Others suggest fetal stress and demand further evaluation or intervention. Sometimes the FHR not only dips down, it stays down and does not return to its usual level. This is an ominous situation that demands immediate delivery. FHR decelerations or bradycardia episodes come in three types.
1. Early decelerations are normal and common. These decelerations are called early because they occur early during a uterine contraction. These FHR decelerations usually occur after labor is well established (4-7 cm of cervical dilatation). The FHR rarely goes below 100 beats per minute. The cause of these decelerations is head compression during uterine contractions.
2. Late decelerations cause more concern. They are called late because they first appear at or after the peak of the uterine contraction. The FHR improves only after the contraction has stopped. These FHR decelerations may be mild or severe based on how low the FHR goes and how long it takes for the FHR to recover. It is thought to be caused by reduced blood flow to the uterus and placenta during a contraction.
3. Variable decelerations are a common type of FHR deceleration in labor and are caused by umbilical cord compression. Up to 80% of fetuses will have variable decelerations during labor. The significance of these decelerations depends on how low the heart rate drops and how long the episode lasts.
When referring to a newborn baby bradycardia is usually associated with apnea or cessation of breathing. Apnea and bradycardia spells are most common in prematurely born infants. During these spells the infant will stop breathing for at least 15 seconds and the heart rate will start to slow. Gentle touching or other stimulation almost always restarts the breathing and increases the heart rate. Medications (theophylline or caffeine) are sometimes used to treat these spells in newborn babies. Apnea of prematurity does not cause sudden infant death syndrome (SIDS)


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Premenstrual Syndrome (PMS) (cont.)
What Happens
Premenstrual syndrome (PMS) is linked to normal changes in your endocrine system that start when you ovulate, lasting up to the first days of your menstrual period. Menstrual cycles usually last 26 to 30 days. But many women have irregular cycles that are shorter or last longer. This means the day of ovulation can vary from woman to woman and month to month. Women with irregular cycles have an even greater range of possible ovulation and premenstrual days.
Any number of hormone changes can cause premenstrual symptoms—this accounts for the many types of symptoms that women have after ovulation. As your hypothalamus, pituitary gland, thyroid gland, adrenal glands, and ovaries work together to produce an egg (ovum) and prepare your body for a possible pregnancy, they send out chemical signals to one another and the rest of your body. These signals—in the form of hormones and brain chemicals, or neurotransmitters—can affect your mood, energy level, ability to think clearly, body fluid and weight, and pain perception. If one part of the endocrine system isn't working right, the rest of the system is affected, often causing a combination of premenstrual symptoms.
Although most women first experience PMS in their mid-20s, PMS may become more common for women in their 30s. Among women in their late 30s and early 40s (who have erratic periods, ovulation, and hormone changes), unpredictable physical, emotional, and mood-related perimenopausal symptoms can be similar to PMS and premenstrual dysphoric disorder (PMDD). After menopause, when hormones are low and no longer fluctuating, women do not have PMS.
If you take estrogen and/or progestin for birth control or for hormone replacement after menopause, you can also have PMS-like symptoms.
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Book your room at Hotel Garden
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Hotel in Mumbai (Colaba) near Gateway of India
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This hotel is located in Mumbai (Colaba), close to Maharashtra State Lawn Tennis Association, Gateway of India, and Prince of Wales Museum. Also nearby are Rajabai Tower and St. Thomas Cathedral.
Hotel Features
In addition to a restaurant, Hotel Garden features complimentary wireless Internet access. Other amenities include dry cleaning/laundry services and tour/ticket assistance.
Room Amenities
LCD televisions come with satellite channels. Guestrooms also feature complimentary wireless Internet access, refrigerators, and air conditioning.Information missing or incorrect? Tell us!
Hotel Garden
At your hotel
The hotel offers a restaurant. Public areas are equipped with complimentary high-speed wireless Internet access. This Mumbai hotel also offers tour/ticket assistance, complimentary newspapers in the lobby, and dry cleaning/laundry services.
- Total number of rooms - 52
- Number of floors - 8
- Complimentary newspapers in lobby
- Dry cleaning/laundry service
- Elevator/lift
- Tours/ticket assistance
- Free Wi-Fi
- One meeting room
- Restaurant
- Room service
- Year Built 1955
- Number of buildings/towers - 1
Stay connected
Available in all rooms: Free Wi-Fi
Available in some public areas: Free Wi-Fi
In your room
- Complimentary newspaper
- Air conditioning
- Phone
- Complimentary bottled water
- Refrigerator
- Daily housekeeping
- Private bathroom
- Rainfall showerhead
- Bathtub or shower
- Slippers
- Iron/ironing board
- In-room safe
- Blackout drapes/curtains
- Satellite TV service
- Free Wi-Fi
Eat and drink
Hotel Garden has a restaurant on site.
Room service is available.
The fine print for Hotel Garden
When you arrive
Minimum check-in age is 18
Check-in time starts at noon
Special check-in instructions:
To register at this property, guests who are Indian citizens must provide a valid photo identity card issued by the Government of India; guests who are foreign nationals must present a valid passport and visa.
When you leave
Check-out time is noon
How you can pay
Accepted at this hotel: American Express, MasterCard, Visa
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.


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homeowners insurance florida
Revision Note: July 2, 2008: Updated the Suggested Actions. Advisory Summary:Microsoft is investigating new public reports of a blended threat that allows remote code execution on all supported versions of Windows XP and Windows Vista when Apple's Safari for Windows has been installed. Safari is not installed with Windows XP or Windows Vista by default; it must be installed independently or through the Apple Software Update application. Customers running Safari on Windows should review this advisory.
Microsoft Security Advisory (954960): Microsoft Windows Server Update Services (WSUS) Blocked from Deploying Security Updates - 6/30/2008
Revision Note: Advsiory published. Advisory Summary:Microsoft is investigating public reports of a non-security issue that prevents the distribution of any updates deployed through Microsoft Windows Server Update Services 3.0 or Microsoft Windows Server Update Services 3.0 Service Pack 1 to client systems that have Microsoft Office 2003 installed in their environment. Microsoft is aware of reports from customers who are experiencing this issue.
Microsoft Security Advisory (954462): Rise in SQL Injection Attacks Exploiting Unverified User Data Input - 6/25/2008
Revision Note: June 25, 2008: Removed erroneous references to form field and cookie value testing from the HP Scrawlr tool description. Advisory Summary:Microsoft is aware of a recent escalation in a class of attacks targeting Web sites that use Microsoft ASP and ASP.NET technologies but do not follow best practices for secure Web application development. These SQL injection attacks do not exploit a specific software vulnerability, but instead target Web sites that do not follow secure coding practices for accessing and manipulating data stored in a relational database. When a SQL injection attack succeeds, an attacker can compromise data stored in these databases and possibly execute remote code. Clients browsing to a compromised server could be forwarded unknowingly to malicious sites that may install malware on the client machine.


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Comments, questions, opinions...this is your chance to speak out regarding anything and everything reported on U.S. Farm Report. Viewer feedback updated regularly.
***Editor's Note: Below are comments received following the August 28-29, 2010 edition of the program...
After John's comment last week I almost did write this, but I felt it too important. Most cell towers do NOT have backup generators, they have 2-4 hours of battery backup in case of power failure. Thus in a prolonged power outage cell phones become useless. This is important as the public feels that in an emergency their cell phone will be there. Whereas wire line central offices are required by the FCC to have generator backup. I know this from working in the industry for a number of years. Further, the towers without generator backup are mainly in rural areas that are less profitable due to the lack of population.
Rex Ennis
Grindstone Island, New York
When you reported on the 911 tax this morning it reminded me of something my 89 year old World War II Navy Vet told about phone on a cd made for the Library of Congress report of veterans a couple of year ago. I am 24 years younger than him having been born toward the end of the war in May of 1945. I also have 3 other brothers who served in WWII.
The story is that he told the reporter that the old wall crank phones had a feature that today's modern phone system and the cell phones do not have. It seems that not long after he was married he was sent out to sea on what he thought was a long cruise. Four months later he was back in New York just after the first of the year and called his wife back in western Illinois late that night.


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Back to Articles
Event News 2013.04.12 Music Tour and Dinner Show at Little Gem Saloon
(Friday, 12 April – New Orleans) Clarinet Road partners with Little Gem Saloon and Rock 'n' NOLA Musical Heritage Tours for a special one-night only event, Friday, April 12. The past, present and future of New Orleans cultural traditions come alive in an event that NOLA-philes have long deserved.
Space is very limited! Special $75/person package includes...
"Roots of Jazz" guided walking tour starting w/private exhibit at the Historic New Orleans CollectionThree-course meal at the Little Gem Saloon with complimentary welcome cocktail.Concert by Evan Christopher & Clarinet Road: "The Sounds of Storyville."
"Roots of Jazz" guided walking tour starting w/private exhibit at the Historic New Orleans Collection
Three-course meal at the Little Gem Saloon with complimentary welcome cocktail.
Concert by Evan Christopher & Clarinet Road: "The Sounds of Storyville."
Dr. Charles Chamberlain, an expert on New Orleans music has had years of experience curating the most valuable artifacts of the Crescent City's musical history through past posts at the Hogan Jazz Archives and also the Louisiana State Museum. The exquisite, $5-million renovation of one of the last remaining buildings dating back to the days of Storyvlle makes Little Gem Saloon the best new music venue in the city. Executive Chef, Robert Bruce, did extensive research to anchor their menu in the classic Creole traditions and musical director, Marc Stone brings a deep respect for tradition but also the vision to move it forward. Evan Christopher's personal brand of "contemporary early-jazz" is the perfect fit for this unique experience.
The tour will meet at 3:30 across the street from the Historic New Orleans Collection's Williams Research Center, located at 410 Chartres Street. It concludes at 6pm at the Little Gem Saloon for the musical presentation and cocktail reception. A 6:30 seating is followed by dinner at 7pm.
Reservations and more information about the tour scheduled for is available by emailing Charles Chamberlain or call 504.810.6900.
[ Reservations for the 7pm dinner & music at 6:30-8:30 without the tour are also available. Premium seating guaranteed for dinner and music for $50. Walk-ins $20 for music only. To reserve, contact Little Gem Saloon (445 S. Rampart St. @ Poydras Ave.) at their official website or call 504.267.4863]
© 2005-2012 Clarinet Road. All Rights Reserved.


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|Louisiana Division
New Orleans Public Library
|New Orleans City Directories in the Louisiana
City directories have been published for New Orleans in several different formats and by several
different publishers since before Louisiana statehood in 1812. This quick list of directories available
in the Louisiana Division is offered as an alternative to the complicated search that would be
required to identify all city directory entries in the Library's automated catalog. It does not provide
full bibliographic description, only the dates available along with some practical notes.
Return to Louisiana Division Information
updated 7/17/2014
Return to Louisiana Division Information
updated 7/17/2014


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THIS DEAL ENDS 5/27. Dell has a bad ass price for the Sony PSPgo (98513) Portable Gaming Console. This particular version lacks a UMD drive and instead only accepts memory sticks. It has a 16GB of storage built-in, 3.8-inch LCD screen, analog stick and can play all sorts of media include movies and music.
It's $249 – $50 coupon (T3G0SMK0SBKS4L) + free ship = $199!
The coupon, T3G0SMK0SBKS4L, expires: 5/27


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-- Robert Preidt
THURSDAY, Feb. 10 (HealthDay News) -- Low levels of education
and income, but not suburban sprawl, are associated with higher
rates of obesity, researchers report.
The finding challenges the widely held view that people who live
in cities tend to be thinner because they have more opportunities
to walk, while people in suburban and rural areas have to drive
most everywhere they go.
For this study, researchers analyzed data from about 7 million
people in rural and urban counties in Illinois, including residents
in the metropolitan Chicago area.
Within zip codes, increased rates of obesity were associated
with being older and being male, along with the percentage of
people who commute by car, are black or Hispanic, or own their
homes, said the researchers at the Urban Transportation Center at
the University of Illinois at Chicago.
Rates of obesity were lower in zip codes with higher median
income and more residents who had attended college.
The findings could prove helpful in urban planning, according to
research assistant professor Paul Metaxatos.
"Ambitious land use policies to address obesity may have little success with the low-income ethnic minorities who are most in need of assistance," he said in a university news release. "Those in marginal, transportation-disadvantaged communities would benefit from better access to medical help, better food markets and information about lifestyle modification."
More information
The U.S. Centers for Disease Control and Prevention has more
about the
causes and consequences of overweight and
Please be aware that this information is provided to supplement the care provided by your physician. It is neither intended nor implied to be a substitute for professional medical advice. CALL YOUR HEALTHCARE PROVIDER IMMEDIATELY IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition.
Copyright © EBSCO Publishing. All rights reserved.


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Brooks' Elite 40 Under 40 Class of 2013
DBusiness Top Young Lawyers, 2013
DBusiness Top Lawyers in Metro Detroit, Business Litigation, 2012; Trade Secrets, 2014
Michigan Super Lawyers, Rising Star in Business Litigation, 2011-2012
Michigan Super Lawyers, Business Litigation, 2013-2014
University of Detroit Mercy - Captain of the 2002/2003 UDM Division 1 Men's Basketball Team
UDM - Wall Street Journal Award recipient for recognition as Top Student in the UDM College of Business Administration
UDM - Financial Executives International Award for most outstanding undergraduate student in Accounting and Finance
UDM - Beta Alpha Psi Award for highest scholastic average in an undergraduate program
UDM - All Horizon League Athletic Academic Team, 2002-2003
UDM - President's and Horizon League Honor Roll all four years
UDM - awarded the William Ebben Award for athletic and academic excellence
UDM and UDM School of Law - on the Dean's list all years attended
UDM School of Law - Cavanaugh scholarship recipient
Bernard J. Fuhs is a shareholder based in Butzel Long's Detroit office. He concentrates his practice in the areas of business and commercial litigation. He has significant experience in non-compete, non-disclosure, and trade secret disputes, business and financial services industry disputes, franchise and dealerships, transportation and logistics industry disputes, construction, real estate, securities, and sales representative matters. He also advises start-up and closely held businesses, as well as sports and fitness industry members.
Mr. Fuhs is Co-Chair of Butzel Long's Recruiting Committee, as well as a member of the Diversity & Retention Committee.
Mr. Fuhs was named to Crain's Detroit Business' "40 under 40" class, which honors "the best and brightest in Southeast Michigan who have made their marks in business before age 40." Named to L. Brooks Patterson's Elite 40 Under 40 Class of 2013, which includes young thought leaders and trailblazers who live or work in Oakland County and are under the age of 40. He was also selected as a Top Young Lawyer (one of only six attorneys selected in Michigan), as well as a Business Litigation and Trade Secret Top Lawyer by DBusiness Magazine. He was also named a Michigan Super Lawyer in 2013 and 2014.
Mr. Fuhs is a graduate of the University of Detroit Mercy School of Law (J.D., magna cum laude, 2006) and the University of Detroit Mercy (B.S., summa cum laude, 2003). He interned for Chief Justice Maura Corrigan of the Michigan Supreme Court; he was a four year player on the Division 1 Men's Basketball team at UDM; President of the 2nd Year Class at UDM School of Law; on Law Review; a member of the Justice Frank Murphy Honor Society; and a member of Beta Gamma Sigma and Beta Alpha Psi.
Mr. Fuhs also enjoyed many honors as an undergraduate including the following: Captain of 2002/2003 UDM Division 1 Men's Basketball Team; the Wall Street Journal Award - Top Student in the UDM College of Business Administration; the Financial Executives International Award - most outstanding undergraduate student in Accounting and Finance; the Beta Alpha Psi Award - highest scholastic average in undergraduate program; member of the All Horizon League Athletic Academic Team – (2002/2003); the President's and Horizon League Honor Roll all four years; and the William Ebben Award for athletic and academic excellence. He was on the Dean's list all years attended at UDM and UDM School of Law, and received the Cavanaugh scholarship at UDM School of Law.
Recent Case Highlights
Professional and Community Involvement
Speaking Engagements and Publications
Additional Information
Prior to joining Butzel Long, Mr. Fuhs was the President/Co-Owner of Fastdater, Inc. of Michigan. He also clerked with Chrysler Financial in the Office of General Counsel as well as the Executive Office of Chrysler Financial as a Field Operations Analyst. Additionally, Mr. Fuhs serves as a television color analyst for NCAA and MHSAA Basketball.


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The KPC-VDW100NHV15 uses a bold and innovative Egg Dome design for maximum tilt and rotation allowing user-friendly installation.
- 1/3" SONY Vertical double-density interline CCD
- High Resolution of 550TVL
- DC Iris 2.6-11mm Vari-Focal Lens
- 1.0 Lux / F2.0, 0.001 Lux (DSS)
- Powerful WDR (Wide Dynamic Range) Performance
- Intensified DSS accumulation field number up to 500x
- Privacy Zone Masking up to 8 areas
- Motion Detection with level adjustment
- Multi-Language OSD Menu
- IP66 (Weatherproof)
See any errors on this page? Let us know.


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The cold snap is causing all kinds of problems -- from stalled cars to ruptured pipes, even false alarms of fire.
Watch the video for more information.
AAA reported helping 1,200 stalled drivers in Hennepin County alone on Monday, but those numbers are expected to climb.
The National Weather Service says Monday's high temperature at Minneapolis-St. Paul International Airport only reached 2 below zero. That breaks a 4-year-old record of continuous high temperatures at or above zero at the airport.
Forecasters say lows Monday night will range from 20 to 30 below in northern Minnesota to 10 to 20 below in the south.
The Associated Press contributed to this report.
WTXF-TV330 Market StreetPhiladelphia, PA 19106-2796Phone: (215) 925-2929Fax: (215) 982-5494


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King Kooker® 120 Qt. Aluminum Boiling Pot with Valve
Item # WX2-231741
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This item is shipped directly from the factory. To see the expected shipping date, please add to your Shopping Cart. Sorry, no express shipping available. We are unable to ship factory direct items to Alaska, Hawaii, Puerto Rico or APO or FPO addresses.
- Details & Specs
King Kooker® 120 Qt. Aluminum Boiling Pot with Valve.
Got a big group to feed? Here's your answer to making sure they all get generous helpings of some superbly cooked food. King Kooker® has a Boiling Pot that will make your next backyard soiree delicious and much easier than usual! This Boiling Pot has heavy-duty construction and includes spigot, quality punched aluminum basket and lid.
Order yours ONLINE right quick!
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Guide Gear® Deluxe French Fry CutterBuyer's Club $53.99 Non-Members $59.99


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The Longview Public Library is pleased to host a special program, "Riders On The Orphan Train." The multimedia program tells the story of the Orphan Train experiment from 1854 to 1929. The program will take place in the Library's Moeschle Room at 7pm, Tuesday, May 21. The event is made possible in part by a …
Tag Archive: Sulphur Springs
May 21 2013
Library hosts program: Riders on The Orphan Train heads to Longview
Community News, Entertainment, Featured
May 21, 2013
Tags: Alison Moore, Catholic organization, Charles Loring Brace, Children, Children's Aid Society, Children's Aid Society of New York, Homeless, homeless children, kids, library, Longview, longview library, longview texas, Methodist minister Charles Loring Brace, Moeschle Room, Moore's 2012 novel, Moore's novel, National Endowment for the Humanities, New York, New York City, New York Foundling Hospital, new york orphans, nyc, orphan, orphan train, orphanages, overcrowded orphanages, Phillip Lancaster, Phillip Lancaster and Alison Moore, Public Library, Riders On The Orphan Train, Riders on the Orphan Train by Moore, Sulphur Springs, texas, tx, united state, united states
Permanent link to this article: http://www.easttexasreview.com/library-hosts-program-riders-on-the-orphan-train-heads-to-longview/
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LOUISVILLE, Ky. (WHAS11) -- The holidays are about giving and many people are giving back through random acts of kindness. Whether it's paying it forward in the drive-thru or matching all donations that come in to charities, Kentuckiana is in a very giving mood.
Any time of year is a good time to give, but it seems the holidays are really bringing out that spirit. One man shared a story of a near car accident he had and the kind attitude of the other driver.
"I feel like having that attitude really changes a lot of things and, you know, it made our day a lot better," he said.
Another shared a story of giving his spare change to a man in need, "I don't carry cash, so I got out my little change thing and we gave him something and we were like Happy Holidays!"
Some people have the ability to go big around the holidays. Executive Vice President of Metro United Way Jennifer Adrieo told us, "We just learned about a month ago that one of our wonderful friends and donors was going to give us $100,000 anonymously to match any new gifts from November to the end of the year to match the Metro United Way's campaign effort."
People are giving what they have to make sure everyone has a Happy Holiday and hoping it will carry on long after the holidays.


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Christina Aguilera - Lotus
Text: Sherman Yang
Baring it all (despite with some help of Photoshop), Christina Aguilera's new album Lotus is about her rebirth after her experiences in the past few years. Following what some might call a tragic album Bionic, hopes for this album are not very high.
However, lead single 'Your Body' shines a glimmer of hope. With a fun beat and saucy lyrics, the track is bound to get you down and dirty on the dance floor.
What better way to utilise some free promo from 'The Voice' than to sing with the rest of your co-judges.
Following the hit 'Moves Like Jagger' with Maroon 5, Xtina collaborates with both Cee Lo and Blake Shelton on 'Make The World Move' and 'Just A Fool'.
Xtina's voice still shines through the former with several big notes, but the amount of post processing done to layer over her own vocals is absurd. On the other hand, the duet with Blake Shelton just comes off awkward because Xtina's pop vocals and Shelton's country sounds are a complete mismatch. Individually, both singers have amazing talents which show in their solo portions. Sadly, their voices do not harmonise well and sound like they are trying to out-sing each other in the chorus.
While the entire album, which is filled with electronic beats and synthesised tunes, is perfect for a night-out in the clubs, the effects overshadow Xtina's vocal capabilities. The glaring thing missing from the album is the powerful and emotional vocals that Xtina is known for.
Thank goodness for 'Blank Page' and 'Sing For Love', which are stripped down and focused on Xtina's raw vocals. The emotionally-charged tracks are moving and reminiscent of her hits 'Beautiful' and 'Hurt', and for once in this album, one can actually listen to and appreciate the singer's vocals.
Recommended tracks: 'Your Body', 'Blank Page', 'Sing For Love'
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It's tough being a romantic when you're terrible with women. Simon's in love with the girl-next door, Carli. With advice from his inexperienced friends, his inept attempts to woo her seem to always go terribly wrong. That doesn't stop Simon from doing his worst in trying to loose his virginity to any available female.
Joe Thomas is a former member of Footlights, the Cambridge University theater club, along with "Inbetweeners" co-star Simon Bird. He was also a member of the sketch comedy troupe "The House of Windsor" along with Bird and comedian Jonny Sweet.


text:
Sellier & Bellot Ammo
Sellier & Bellot Ammo is manufactured in Vlasim, Czech Republic and is one of the oldest companies in the world. It was recently acquired by the CBC Group in Brazil but still pursues their goal to develop and market the highest quality ammunition to the military and law enforcement organizations throughout the world.
7x57mm Mauser - 139 gr SP-BT - Hornady - 20 Rounds$32.00
16 Premium 7x57mm Mauser Ammo For Sale - 139 gr BTSP Ammunition In Stock by Hornady - 20 Rounds In Stock
$1.60 per roundQuantity - 20 rounds
Manufacturer - Hornady
Bullets - 139 Grain soft point boat tail (BT-SP)
Casings - Boxer-primed Brass


text:
The criminal case involving a former executive mansion chef and the gifts scandal investigation into Governor Bob McDonnell have cost Virginia taxpayers more than $780,000.
Invoices obtained by the Richmond Times-Dispatch from the governor's office show expenses of nearly $210,000, on top of the $574,000 that had been billed through August.
McDonnell could face charges related to the more than $150,000 in gifts and loans he and his family received from former Star Scientific CEO Jonnie Williams.
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Peter Schrager sits down with Hope Solo as she opens up about her personal life, Olympic gold, and much more.
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Be up and running in 5 minutes with express detection. Its as easy as copy and paste. Optionally configure redirection rules for devices, device classes, vendors, screen size, you name it. Backed up by awesome mobile analytics and super helpful support.
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Lomasi Color Gel- Amused .25 oz- Step 3
Lomasi Color Gel- Amused .25 oz- Step 3 is a fast and easy way to do long lasting gel manicures and pedicures in the comfort of your own home. Take a seat, relax and give yourself ample time to go over the instructions from start to finish. The more patient you are, the better your results will be.
Please note that all Lomasi Gel Polishes must be cured with either a UV or LED light (available in the Lomasi kit).
When properly applied, here's what you can expect:
- The look of nail polish, and the performance of gel.
- Removes in 15 minutes with no damage to the natural nail.
- Up to two weeks of wear on the hands, and four weeks of wear on the feet.
- Up to 20 full sets per bottle.
- Dries fast with no smudging.
- No chipping.
- No DBP, Toluene, or Formaldehyde.
- No Odor.
Tip: Apply on four fingers, cure. Then apply on thumb, cure. First, roll the color bottle upside down between the palms for 20 seconds. Spin the stem of the brush around the inside neck of the bottle. This ensures that the proper amount of color will be on the brush. Gently wipe each side of the brush against the neck of the bottle. Using the same brush "fanning" technique from Step 2, apply color. Be sure to apply each layer of color in very thin coats.
Folica stands behind the authenticity of everything we sell. Since 1998, Folica has made it our mission to provide you with an outstanding selection of hair and beauty products at highly competitive prices.
Most Helpful Reviews
This color is a pale peach/pink. It's almost like a clear coat with a bit of pearl pink. Perfect if you're looking for something neutral/nude. Read More
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Lomasi Mani/Pedi Gel Manicure System
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Lomasi Cleanser 4 oz.
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Clemson University is pleased to welcome an increasing number of international faculty, staff and students on campus. The internationalization of Clemson University means increased numbers of foreign nationals seeking employment. International Services (IS) assists Clemson's research and education community by coordinating and submitting nonimmigrant worker's visa petitions, e.g. H-1B and permanent residency petitions.
IS provides critical support to Clemson University units in their hiring of, and subsequent maintenance of employment eligibility for, international faculty and staff who otherwise have no authorization to work at Clemson. Our focus is on preparing and filing federally-required documents with the U.S. Department of Labor (DOL) and with the US Citizenship and Immigration Services (USCIS) on behalf of hiring faculty or staff and maintaining required documentation in the event of audit by either of these federal agencies. In addition, we counsel and advise foreign national employees of Clemson regarding federal regulations and procedures related to their US immigration status. (Please visit LPR policy page for Clemson University sponsorship information) We also assist the international employee's family to obtain and maintain legal immigration status in the US.
For more information or assistance, please contact IS at (864) 656-2505, email email@example.com to make an appointment, or stop by E-301 Martin Hall.


text:
Babies R Us - January Catalog in Saginaw Area
This Babies R Us Circular Ad was published on Dec. 28, 2012. This Circular Ad is valid through Jan. 17, 2013. This Ad may contain time-sensitive information and offers. Please check with Babies R Us to confirm availability.
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Pain is coming to the pump
After flatlining for months, energy prices are poised to head higher.
A side benefit of the recent bout of market weakness and poor economic data at home and overseas has been the drop in crude oil prices over the last three months.
Since stocks peaked in September on the back of aggressive easing measures by the European Central Bank and the Federal Reserve, crude oil has dropped 15% from more than $100 a barrel to near $85.
But now, for three big reasons, crude oil is poised to break higher.
Reason 1: Oversupply fading
Part of the reason crude oil has been on the slide, especially the West Texas Intermediate benchmark measured in Cushing, Okla., has been the boom in American oil production thanks to the growth of unconventional, shale rock development. As a result, the gap between WTI and Europe's Brent crude benchmark has blown out to more than $22 as Brent trades near $108 a barrel.
The problem is that the growth in American production -- running at near a 25% annual rate right now or some 825,000 barrels per day -- is overwhelming energy infrastructure. Pipelines are full. Storage tanks are full. As a result, producers are turning to loading barrels on trains and trucks with rail shipments running at twice the level seen back in 2010.
Relief is coming in the form of the expansion of the Seaway pipeline from 150,000 barrels per day to 400,000 barrels early next year. Storage capacity is also increasing. As a result, Merrill Lynch expects the Cushing oversupply to drop from around 350,000 barrels per day now to near zero in 2013 before moving into a supply deficit of 300,000 barrels in 2014.
As all this happens, prices will be pushed higher and the gap between WTI and Brent crude will close.
Reason 2: Federal Reserve stimulus
Crude oil prices are sensitive to inflation expectations, which have cooled as economic growth expectations have declined. But now, with the Federal Reserve pumping in monetary policy stimulus at a rate of $85 billion a month, price pressures are building. And they will keep building with the Fed hinting this week that it will replace its expiring Operation Twist program with a $45 billion-a-month QE4 Treasury bond purchase program to accompany its current $40 billion-a-month QE3 mortgage purchase program.
But QE4 will have a larger impact than Operation Twist since it will involve the creation of new money to buy long-term bonds, rather than the selling of short-term bonds to buy long-term bonds under Twist.
Already, you can see the impact. Last quarter, the GDP Price Index increased at a 3% annualized rate -- a level not seen since the summer of 2011 before the debt ceiling standoff and the August 2011 market meltdown.
I expect crude to pop once QE4 is announced.
Reason 3: Dollar weakness
As investors have run for the hills given all the recent market volatility, they've sought out safe havens like the U.S. Dollar. The dollar's strength has undermined crude because it's the most common currency used in global energy transactions. So as the greenback jumped over the past month, crude oil has slid lower.
A combination of fresh Federal Reserve stimulus, falling fearfulness on Wall Street, and a new Chinese government that is less willing to prop up the dollar to hold their own currency down threatens to pull the dollar down off its perch and given energy traders another reason to move into oil.
To take advantage, I'm adding the ProShares Ultra Crude Oil (UCO) to my Edge Letter Sample Portfolio as well as energy industry names Cameron International (CAM), Valero (VLO), and Tesoro (TSO).
Disclosure: Anthony has recommended UCO, CAM, VLO, and TSO to his clients.
I found these positions with the help of technical screens developed with Fidelity's Wealth Lab Pro back-testing tools, which you can find here. (Fidelity sponsors the Investor Pro section on MSN Money.)
Be sure to check out Anthony's new investment newsletter, the Edge, and his money management service, Mirhaydari Capital Management. A two-week free trial has been extended to MSN Money readers. Click the link above to sign up. Mirhaydari can be contacted at firstname.lastname@example.com and followed on Twitter at @EdgeLetter. You can view his current stock picks here. Feel free to comment below.
|Anthony Mirhaydari
And the sad part is, the 99% American People are supposed to have a JUDICIAL SYSTEM in place to take care of this CRIMINAL MONOPOLY of the 99% American People! I guess the corrupt Republican corporate did a "BOUGHT & PAID FOR" with the Judicial Dep't. JUST LIKE THE NEWS MEDIA!!!
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As geopolitical tensions threaten to spin out of control, investors are wondering how best to position their portfolios for the global turmoil.
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Wesleyan Home → Wesconnect → Classes and Groups → Alumni Association → Awards and Prizes → Book Award
The Wesleyan Book Award program helps maintain Wesleyan's traditions of excellence and diversity by strengthening relations between Wesleyan and secondary schools and encouraging talented young men and women to consider attending Wesleyan. The Wesleyan University Alumni Association, through its volunteers, presents the Wesleyan Book Award to outstanding juniors at selected secondary schools around the country.
We strongly encourage alumni and parent volunteers to initiate the Wesleyan Book Award in their local communities. Volunteers interested in coordinating and presenting an annual Wesleyan Book Award at a high school in their area should contact the high school guidance counselor, share the book award criteria and, in conjunction with the counselor, decide if additional criteria (e.g. a particular number of AP classes) should be added.
Our book selection for 2014 is Snow Hunters by Paul Yoon '02. We have completed our participation list of schools and will be mailing the book in late March to those schools who have confirmed participation.
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22 U.S. Code § 7906 - Technology demonstration projects
(a) In general
The Secretary of State, in coordination with the Secretary of Energy and the Administrator of the United States Agency for International Development, shall promote the adoption of technologies and practices that reduce greenhouse gas intensity in developing countries in accordance with this section.
(b) Demonstration projects
(1) In general
The Secretaries and the Administrator shall plan, coordinate, and carry out, or provide assistance for the planning, coordination, or carrying out of, demonstration projects under this section in at least 10 eligible countries, as determined by the Secretaries and the Administrator.
(2) Eligibility
A country shall be eligible for assistance under this subsection if the Secretaries and the Administrator determine that the country has demonstrated a commitment to—
(A) just governance, including—
(3) Selection
In determining which eligible countries to provide assistance to under paragraph (1), the Secretaries and the Administrator shall consider—
Source(Pub. L. 101–240, title VII, § 736, as added Pub. L. 109–58, title XVI, § 1611,Aug. 8, 2005, 119 Stat. 1116.)
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
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
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The Behemoth Giving Away Gold-Plated Xbox 360 in Celebratory 'Tournament of Champions'To celebrate Castle Crashers reaching the prestigious two million player mark on Xbox 360, developer The Behemoth has sold its complete stock portfolio for gold, liquidated the bars and dipped an Xbox 360 into the rich cauldron only to give it all away to one lucky fan.
Although we made up the way in which the indie developer procured such a rare find, The Behemoth really is giving away a 24-karat, gold-plated Xbox 360 console in an upcoming XBLA Castle Crashers tournament.
To qualify for the prize fit for a prince, players must "be in the top 100 Weekly Ranked Arena players on the Castle Crashers leaderboards at noon (PST) on January 28th." Players have a week to battle amongst themselves before a "1 on 1 Arena," single elimination tournament dwindles down the list beginning February 5. For more details, and information on secondary prizes, check out The Behemoth's official blog.
To the winner we say congratulations and, like you, hope your new golden system never suffers the ruby-red ring of death. Good luck getting that thing fixed.
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- Multi-zoned lugged outsole features high abrasion rubber in key areas for excellent traction and durability, plus DMPRTek rubber in forefoot for durable cushioning


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This conversation is closed.
Since the Monetary system is man made, why do we allow debt, inflation, starvation etc... to persist? Can the system be transformed?
Money is a social system where value can be moved and recognized on a global scale, but at its very core it is still man made. It is not sentient by any stretch of the imagination, it is controlled by man.
Would a better system be one that allows Money to, only have labor value?
The current system allows Money to be made from Money, which places more value in Money itself, than the necessary labor to produce goods or services.
In essence "The Emperor's New Clothes" we make something from nothing.
Showing single comment thread. View the full conversation.
Jan 6 2013: Depending on your definition of "money" (which you really should define when starting a conversation about it) there are alternatives for the monetary system and not all of them require perfect government or perfect people. An example of such an alternative is the "energy accounting" system developed by the technocratic movement.
Comment deleted
Jan 7 2013: "Isn't everything we do in essence already energy exchange?"
Yes, that's why energy has intrinsic value to everyone and that's the reason energy accounting was proposed as a replacement for the monetary system.
"Don't we trust reality to keep perfect score ;). But no, we want insight into the books, and control over them."
I don't think you know what energy accounting is...
Energy accounting doesn't keep tabs on nature (where the hell did you get that idea?), it keeps tabs on the consumption of people and production processes to make sure that if I order a chair the chair factory has enough energy to produce a chair and also to make sure some people, in their infinite greed, don't use up all the world's energy, finally it allows society to watch for over-consumption (beyond sustainible levels) of natural resources.
Jan 7 2013: "Money has been defined, be it gold or naval lint, any currency where value has been placed and recognized on a global scale."
That's awfully broad. Our current monetary system is but one of many that could exist by that definition, even without replacing dollars and euros for energy credits, a gold standard would already be different from the current monetary system (but not necessarily better) and still fit your definition of money.
Jan 7 2013: Interesting, Would not Energy credits be even more slanted towards industrialization?
I am a bit lost on Energy Credit being used as a Monetary system.
If Society can not police itself with the current system, what would be the mechanism that would allow Society to police who obtains the most energy per unit?
Jan 8 2013: "Interesting, Would not Energy credits be even more slanted towards industrialization?"
Yes, but why would that be a problem?
"If Society can not police itself with the current system, what would be the mechanism that would allow Society to police who obtains the most energy per unit?"
Things like inflation, investment bubbles and large inheritances are made very difficult, if not impossible, by the very nature of energy credits, so the economic system would change a lot, even if none of the other rules were changed. In addition you could change the rules the same way you could change them for ordinary money, for example with a social dividend and/or guaranteed minimum income.
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GREENSBORO, N.C. (AP) - Officials of North Carolina A&T State University say one person was shot on campus, prompting a brief lockdown.
The university's official website said the wounded person was brought to the hospital and that no suspects had been identified.
The website later issued an update saying the lockdown had been lifted, but added that "for increased safety" the campus police department recommended everyone stay indoors.
A call to the campus police went immediately to voicemail. A woman who answered the telephone at the Greensboro Police Department said all information would have to come from campus police.
Online: University website: http://www.ncat.edu/
Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
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4771 members3147 Comments 150 Likes
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NAME: Morgan Julia DaVic
NICKNAME: Don't have one. Call me whatever.
D.O.B: December 26th
SPECIES: Moroi
LOYALTY: Olympic Coven, other than that I have none.
ABILITIE(S): Fire
BEST FRIEND(S): Rose Hathaway-Cullen
RELATIONSHIP STATUS: Single- unless I find someone.
BY WHO?: Stupid...
LOOKING: Yeah
CRUSHING: Maybe...
My name is Morgan DaVic. I am 14 years old and I was born on December 26th, 1995 in New York City. I am a Moroi-Angel hybrid.
My Father was married but had a afair with my mother. When his wife, who is a witch, found out about me she killed my father and put a spell on my family, the DaVics, which made them half vampire. So after the spell was set my mother, Celest, died. I became the only living DaVic left.
I was then shiped off to live with a friend of my father's named Spencer in Lansing, New York. Spencer raised a girl named Rosemarie Taylor Hathaway-Cullen. We grew up like sisters but knew we were not really related. Now were in Lansing again after She became my gardian and we both graduated fom Vampire Academy.
I have specialized in Fire. My friend Rose is a Spirit user and had healed me once and saved me from death after I had drowned at the lake one summer in a boating accident. Even though we both have powers of a Moroi, I am the only one who actualy is, Rose's power comes from her Fariy half. And eventhough I'm not a Spirit user I am just as stong as her because of my Angel half.
Spencer has been helping her figure out what her powers are, but I have found no one like me yet. But I'm looking.
I'll tell you more of me once it happens. ..
Posted on July 20, 2014 at 8:51am 0 Comments 0 Likes
Ch.1- -December 12th-1842
It's freezing...
I looked out the window at the white snow floating down to where it would touch the window ledge and melt. I sat on the winow seat with only a old knitted blanket to keep me warm. I shivered, it was that type of dry cold that would eat into you.
I watched the snowy dust fall down and dissapear for a few minnutes more until it stoped all togeather. The sun had set only an hour ago even though it was not yet eveninig. It was getting darker…
Posted on October 7, 2010 at 2:30pm 0 Comments 0 Likes
Jill, you really need to come on this site more often on that you have your laptop!!!!!!!
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You'll be cooking like a pro in no time with these Fundix by Castey saucepots. With their high-quality nonstick coating, these cast-aluminum saucepots are long lasting and highly resistant to scratches, making them instant kitchen favorites. No matter what you're cooking, these Fundix by Castey covered saucepots will come in handy.
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- Manufacturer's lifetime limited warranty
- Promotional offers available online at Kohls.com may vary from those offered in Kohl's stores.
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Cream Yuan Wallpaper
Item No.61131_31DB630
Designed by Steve Leung a semi plain wallpaper featuring flecks of metallic to add some decadence
- Width 52cm Length 10m
- Washable
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News Posts
The Butterfly Brief: Heliconius cydno
by AMNH on
Butterflies that belong to the Heliconius genus, known colloquially as longwings, have discovered the secret to butterfly longevity. Like most members of the order Lepidoptera, longwings sip nectar from flowers using a straw-like organ called a proboscis. What distinguishes them from fellow butterflies — and moths — is that longwings can broaden their diet beyond these sweet liquids — which, in turn, is thought to extend their life.
That's because Heliconius butterflies are able to ingest pollen by secreting enzymes onto their proboscides. When these enzymes mix with pollen grains, they create a protein-rich liquid that the butterfly can absorb. Longwings spend hours collecting and processing pollen grains and depositing them at other stops along the way. The plants pay them back, big time: the amino acids found in pollen are thought to increase egg production and lifespan up to eight months, making longwings one of the longest-living groups of butterflies in the world.
New Update to Museum's Cosmic Discoveries App
by AMNH on
The first major update of the American Museum of Natural History: Cosmic Discoveries iPhone App was released on February 15 as part of an ongoing effort to create a gallery of the universe that fits in the palm of your hand. The updated app features five new chapters, which combine fascinating images with in-depth descriptions of astrophysical phenomena, the people who discovered them, and the technology that makes it all possible.
The new stories describe the extremes of star formation ("Massive Stars" and "Brown Dwarfs"), galaxies like our own Milky Way ("Spiral Galaxies") and the dense clumps of stars that swarm around them ("Globular Clusters"), as well as astronomical phenomena caused by runaway thermonuclear explosions (innocuously called "Novae").
Download the app today in order to automatically be notified about new updates via the App Store. More updates will be released every few months.
Learn more about the app here, and download it for free from iTunes here.
Melba Joyce Salutes Our Jazz Elders For Global Weekends
by AMNH on
Anyone who has listened to jazz — a uniquely American musical form that is fundamentally interpretive, improvisational and creative — will describe the way it seems to stimulate the mind. And in recent years, new scientific research has shown that improvisation really does activate the parts of the brain that enhance self-expression and lower inhibitions.
On Saturday, February 19, from 12:30 to 5 pm, the American Museum of Natural History will honor jazz's trailblazing artists and musicians and highlight the ways jazz can stimulate and enhance the brain with a special Global Weekends event, Saluting Our Jazz Elders, which will feature performances by celebrated jazz vocalist Melba Joyce, New Amsterdam Music Association, Joey Morant, and McCollough Sons of Thunder, as well as conversations throughout the day with Robert O'Meally, co-founder of the Center for Jazz Studies at Columbia University about the connections between jazz, the brain, and education.
Revisiting Akeley's Gorillas
by AMNH on
Stephen C. Quinn, senior project manager in the Museum's Department of Exhibition, recently traveled to the eastern Congo basin to visit the exact site depicted in the Akeley Hall of African Mammals' mountain gorilla diorama which is based on paintings, photographs, and specimens collected in the field by explorer and taxidermist Carl Akeley and his team in 1921 and 1926.
Like the artists on Akeley's 1926 expedition, Quinn used field sketches and paintings to document the area's flora and fauna, recording the changes that have taken place and reinforcing the important role artists play in habitat conservation and environmental education. In this eight-minute highlight video from a recent talk at the Museum, Quinn shares finished works, including a panoramic plein air painting.
Watch the video, which includes footage from the field, here:
Museum Announces March 3 Dinosaur Tweetup
by AMNH on
Did you know that dinosaur bones contain growth rings, like the rings in tree trunks, which reveal yearly periods of rapid and slow growth? Or that sauropods, the largest known dinosaurs, probably survived on a diet of plants? This is your chance to learn about dinosaurs — and to tweet all about it!
Join us on Thursday, March 3, at 6 pm for the Museum's next tweetup, which will focus on some of the most fascinating animals ever to walk the Earth. Learn about dinosaurs, meet paleontologists, go behind the scenes to see how fossils are stored, and get a sneak preview of The World's Largest Dinosaurs, a new exhibition that opens April 16. Enjoy refreshments in the Museum's famous fossil halls and meet other @AMNH followers and staff.
Visit the registration page to sign up today. The Museum will notify all selected participants on February 23. The Museum's January tweetup focused on Brain: The Inside Story. To learn more, check out these photos or read this post.


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Small-Group Franz Josef Glacier Walk
- Scenic helicopter flight
- Small group ensures personal service
- Informative, friendly and professional guide
Afterward your thrilling glacier hike, return back to Franz Josef by helicopter and relax with a soak in the Glacier Hot Pools. These hot pools are nestled in a lush rainforest and are sourced by pure glacier water. Sit back, relax and rejuvenate your muscles in the soothing water -- a perfect way to end the day. The Franz Josef Glacier is a unique experience not to be missed!
Recent Photos of this Tour
Schedule details
Select a month to view a calendar of availability and departure details.
Pricing information
Click the link below to check pricing & availability on your preferred travel date. Our pricing is constantly updated to ensure you always receive the lowest price possible.
8:15AM Departure
Code: AM0815
Small-group Franz Josef Glacier walk departing at 8:15am, returning at 12:15pm
9AM Departure
Code: AM0900
Small-group Franz Josef Glacier walk departing at 9am, returning at 1pm
10:40AM Departure
Code: AM1040
Small-group Franz Josef Glacier walk departing at 10:40am, returning at 2:40pm
11:25AM Departure
Code: AM1125
Small-group Franz Josef Glacier walk departing at 11:25am, returning at 3:25pm
Pricing information
Small-Group Franz Josef Glacier Walk
- Round-trip helicopter flights to Franz Joseph Glacier
- 3-hours (approx.) guided glacier walk
- Glacier Hot Pools
- All hiking equipment (Gore-tex jackets, over trousers, woolen hats and gloves, leather boots, crampons)
- Food and drinks
- Hotel pickup and drop-off
- Gratuities (optional)
- Confirmation will be received within 48 hours of booking, subject to availability
- Minimum age is 12 years
- Children must be accompanied by an adult
- Glacier walks are moderately difficult, as the glacier is advancing and becoming very steep, and clients need to be fit and able. Refunds will not be available for clients who cannot participate on the day due to inappropriate fitness levels, i.e. it is important you are selecting the right trip for your physical fitness ability. Guides reserve the right to curtail or cancel trips for clients whose fitness is not appropriate
- Operates in most weather conditions, please dress appropriately. Two to four warm upper- body layers of clothing are recommended, quick-drying trousers or shorts (no jeans), a hat and gloves, sunglasses, sunscreen and a camera
- Franz Josef Glacier receives 16 feet (5 meters) of annual rainfall; refunds will not be given if you decide not to participate because it is raining or because you may get wet feet during the trip
- Please bring a bathing suit for the Glacier Hot Pools
- A moderate amount of walking is involved
- Not wheelchair accessible
Traveler Reviews
Reviewed by: Graham C, August 2014
If you think you may only have one chance in your lifetime to visit the glaciers, do everything possible to stretch your budget so you can take a walk amongst the ice. No words or pictures can truly convey the immense size, power and physical structure of this place - you need to experience it for yourself. On the day after our trip we also took a walk to the terminal face of the glacier. While that is impressive, you cannot get any real understanding of the scale of the glacier or see the dramatic columns and crevices that exist at the higher levels. Our trip was handled professionally, and included just enough excitement and challenges to make it interesting. We were fortunate to be amongst a small group of people with similar capabilities - though i guess there is a risk that you may do less if you are unlucky to be in a group where some people struggle. Whatever - if you get a chance to do it, don't miss it.
Reviewed by: Josh D, August 2014
The Glacier walk was amazing, highly recommend! It would have been topped off with a trip to the hot pools but unfortunately they were closed due to general maintenance. Be sure to stay in Franz Josef a couple of days just incase the day you book gets cancelled, this happened to us but we were able to re-book for the next day


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Jose Cuervo Tradicional Reposado Tequila
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750ml Bottle $193.69
Case of 12
750ml Bottle $193.69
Case of 12
Item #111870
Size: 750ml
Type: Tequila / Mezcal
Varietal: Reposado
Country: Mexico
Proof: 80
"Pale silvery gold color. Creamy vanilla, delicate spice, banana, and fig aromas. A soft round entry leads to a dryish medium-bodied palate with delicate brown spices, sandalwood, roasted pepper, fig, salt, and exotic peppercorn flavors. Finishes with a long fade of raisin, minerals, and pepper."
Reviewed by: Beverage Testing Institute
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Sauza Gold Tequila
"Taste: Golden cane sugar with hints of exotic fruit and sweet agave. Finish: Warm and lingering."
$12.99 / 750ml Bottle
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$148.09 / Case of 12
Camarena Reposado Tequila
Reposado means "to rest." We let our Familia Camarena 100% Blue Agave Reposado Tequila rest in American oak barrels for 60 days before bottling . The aging process lends a touch of soft spice to the natural sweetness of the agave in our Reposado Tequila. The result is a smooth, refined barrel aged Tequila with an elegant, robust finish.
$16.99 / 750ml Bottle
$193.69 / Case of 12
$193.69 / Case of 12
1800 Reposado Tequila
"The initial aroma is of black pepper and steamed broccoli. Following aeration, a bouquet of succulent scents of Brazil nuts, egg cream and light oak resin appear. An oily flavor of bacon is apparent at palate entry; at midpalate the pepper returns with added tastes of spinach, sage and butter. Finishes elegantly yet zestily as the pepper comes to the fore. Best Buy." 90-95 pts.
$24.99 / 750ml Bottle
$284.89 / Case of 12
$284.89 / Case of 12
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by Dave Delgado
Guam - In IFL Football
action the George Washington Geckos escaped with an overtime win at home
against the visiting Father Duenas Friars at their home field in Mangilao. G.W
earned the 20-14 win in O.T behind quarterback Joseph Carreon who put up 2
early touchdowns in the 4th quarter. F.D managed to answer with 2 scores of
their own to keep the game going after regulation time expired. With the win
the Gecko's are now 2-1 while the loss drops the Friars to 1-2.


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|See Other Installation LCOS Projectors
Projecting without a PC is possible with the REALiS WX450ST Pro AV Short Throw Compact Installation LCOS Projector. The projector includes a USB memory stick slot and pre-installed support for MS Office files, Adobe PDFs, and select image, video and audio files. You will enjoy flexibility and convenience to showcase your work under a wide range of presentation scenarios and requirements.
USB Port Memory Sticks
JPEG Image Support
Built-In Speaker


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(based on 1 review)
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pretty good case for MacAir
By MacAir owner
from New York, NY
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Comments about MacBook Air® & Ultrabook Sleeve:
Was looking for a really good fit between laptop sleeve and new Mac Air (bought Dec 2013) 13". Neoprene sleeves had purchased before were too big (they also fit much fatter Mac laptops). Wasn't really looking for something with hard sides like this one, but it seems durable, and definitely will keep laptop from being bunged up on corners, scractched etc. I just wish its dimensions were a little closer to the laptop itself. The dimensions of the sleeve are: 10.5 x 14.5 ". Does seem to hold laptop snugly.
Bottom Line Yes, I would recommend this to a friend
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