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Planning for My Financial Future
Published on - December 26th, 2011 (by J.D. Roth)
I've been fortunate over the past few years. I've managed to get out of debt, quit my day job to write full time, build substantial savings, and am now able to do what I want when I want. I still work hard, of course, but I do so on my own terms. I'm a lucky man.
Next year, though, is going to be a year of changes. For one thing, my income might actually decrease. (And if it doesn't do so in 2012, it will almost certainly do so in 2013.) At the same time, for a variety of reasons, my expenses are going to increase. I'm in no danger of deficit spending — I refuse to live beyond my means! — but this does mean I'm going to have to be more conscientious about budgeting.
Practicing what I preach
Because I've done relatively well over the past few years, and because my expenses have stayed low, I've been able to buy the things I want without much worry. There's a reason I preach the virtues of conscious spending. If I don't, I often find myself making spur-of-the-moment buying decisions. Well, I feel like it's once again very important that I weigh every purchase before I make it. I've created a fine lifestyle; I don't want to jeopardize this lifestyle through silly spending.
As a result — and this comes as a shock even to me — I'm swearing off comic books. (Mostly.) The thing is, it doesn't even really feel like a sacrifice. Right now, there are other things in my life that I value more highly. Most of you know about my expensive gym membership and how important that is to me. But there are also my Spanish lessons, which I've been taking since June. I'd rather pay for one-on-one meetings with my tutor than to buy comics. I get more enjoyment from learning the language. (The truth is, I'd even forego my Portland Timbers tickets to continue with Crossfit and/or Spanish. Fortunately, that's not yet necessary.)
Soon, I'll probably also give up my office. It's been nearly three years since I worked from home, and I think my work habits have changed. If I can find the discipline and focus to write from the living room, that'll free up $335 a month that I can use for other things. (I won't know if this is do-able until the middle of the year, but it's something I definitely want to try.)
But perhaps the biggest change in my future is that I'm finally becoming interested in non-profits and charities.
Thinking of others
For years, I've taken a lot of crap here at Get Rich Slowly (and deservedly so) because I donate very little to charity, and I rarely volunteer my time. I was raised in a family that didn't value charity, and as an adult I've been unable to find any cause I feel passionate about.
Lately, though, that's changing and in a variety of ways. We're hard at work planning next year's World Domination Summit, for instance, and we'd like to tie a service theme to this leadership conference. I wasn't that interested at first, but now I'm on fire for the idea. I think it would be awesome to recruit the power of 1000 attendees to do some good for Portland — and the world.
But on a more personal level, I've discovered there are causes I'm passionate about. My trips to southern Africa and to Latin America have helped me understand better the important role education plays in improving people's lives (and especially in improving the lives of women). I find that I'm willing to donate both time and money to improve education around the world. (I'd love to find the time to work with an organization like Edge of Seven, for instance.)
In fact, I've realized that it's possible for me to tie my passion for learning Spanish directly to this goal. There are several Portland-area organizations that work to provide educational opportunities for low-income Spanish-speakers in the community. In March (after I return from next trip to South America), I plan to volunteer with one of these groups, such as Adelante Mujeres. In the meantime, I've offered my services to one of my friends. She teaches a Spanish/English blended second-grade class, and she says she can use my help twice a week for two hours at a time. I'm both excited and nervous about this new adventure — the second-graders are going to mock me for my miserable Spanish!
Other plans
I have other smaller financial goals, as well. After my upcoming trip to Chile and Argentina, my travel fund is going to be completely empty and will need to be replenished. And since I've borrowed from my new-car savings to make these trips happen, I'll need to boost account too. Plus, I'd like to find one or more small sources of recurring income — another magazine column perhaps?
My financial life continues to be rosy, largely because I follow my own advice. (Especially my own advice about finding ways to make more money.) But I don't want to rest on my laurels. I don't want to become complacent. I want to continue striving toward a brighter financial future — and I want to bring you along for the ride.
What about you? How was your 2011? Did you improve your financial situation? Did you earn more? Spend less? Or were you less successful than you'd hoped? And what are your plans and goals for 2012? What do you hope to do with your money?
What you write reminds me of one of my favorite financial paradoxes. We think of "control" as rigidity, but you're pointing out that having more control allows you more flexibility. And that by willingly giving something up, you're gaining what you want.
It's a tough idea to wrap your head around — you explain it well!
Fortunately we had a good year. Most important was that we had twins! And despite all the costs this brings, we were able to sock away a nice chunk of money for the pension fund of my wife and the study fund of our, now, five kids.
The pension-fund is locked, the money cannot be touched. Which for us is a good feeling as when we reach 65 the money will be there, no matter what stupid things we do till then.
The second piece of luck was that our investments in the stock-market did not loose money. Not much profit either but no loss. Overall our net worth is more or less the same as a year ago. Which is good enough for us in these uncertain times.
For us, 2011 was very good. We continued saving, continued our charitable contributions, and I picked up a side job that will pay me 30k/year next year. Between the new side job and putting ourselves on a semi-strict budget, we had expected to pay down 50% of our mortgage. However, we just decided yesterday that we need to up our charitable contributions due to our increase in income. That said, we still will pay off a big chunk of our mortgage…and hopefully make life a little better for others.
JD, given your charitable leanings and passion for Spanish, you should look at http://www.thegivingproject.net/. They build schools in very rural, very poor latin America. The thing i love about the way they work is the amount of buy in they get from the communities they go in to. They're also open to people going to visit the villages they work in.
So, we've invested $30K plus in our second mortgage this year. That's going to save us $10k or more in the next 4 years… or $40K if over the remaining 23 yrs.
However, my wife's been not healthy enough to work, so that money would be much more appreciated in the emergency fund at this time.
So, all in all, not a terrible year but could have been much better. Hoping next year we have 2 healthy adults bringing home some bacon…
2011 was very good financially but still difficult! See, it is rarely about the money! I had to make a change in my teaching assignment and I am adapting to the change. My extra income will be limited to outside my career. I am looking forward to 2012 for the additional opportunities.
Give up comics? Say it ain't so, J.D.!
Hereabouts, 2011 was sure a better than 2010, my first year of unemployment. At least this summer enough money came in to more or less pay the bills. Not 100%, but sure better than nothing. Hope 2012 will improve life a little more.
Love your new-found altruism. I'd like to get involved in volunteerism more, too, and admire people who can find time in already busy lives to do so.
Good for you, JD. I was convinced if you could find something you believed in, it wouldn't be that hard to get involved. It is when you either don't know any needy but hard-working people or you have never actually seen a non-profit in action that it is easy to stay complacent.
Once, however, you start giving of yourself, and if you get to see the fruit of your labor, it does change you.
I wouldn't give up the office. I'd set aside a room in the house and make that my office. Having a dedicated home office means you can deduct a portion of utilities, etc. as a business expense. That means, though, you must have a dedicated space – not a spot on the couch. I've had a home office for years and it's been a good write off and work practice.
2011 was a big year of change. The year was pretty much taken over by an international move. I did a lot of extra work to cover costs while my husband did everything he could to make the move happen (which was all of it). But after the smoke cleared, we were doing ok until major vet bills sidelined us at the end of the year.
Our savings are pretty depleted and our taxes are going up in the new year, but we're settled, the dog is doing great, we've got new jobs/careers. 2012 will be doing what we can to build ourselves back up.
My 2012 looks to be challenging, but fun, as I work toward establishing a blog and business helping people with money choices and working toward financial freedom. (Yes, not unlike our friend J.D. Roth!) I know thousands if not millions of others have a similar goal, so I'm not counting on any income from the endeavor in 2012. As with most things, I expect perseverance will be the foremost ingredient of ultimate success.
With respect to paid employment, while the part-time, contract job I've had for 3 years ends December 30th, I have a new (also part-time, contract) opportunity that would begin January 15th (and end March 31st) if I accept it. And I devote a lot of time helping to manage and run the carshare cooperative in my community, but that's all volunteer!
So 2012 is shaping up to be a fun year with new challenges and learning opportunities, but probably a bit tough on the bank account.
JD: In regards to the office- if you find you struggle to work in the house after giving up the office, why not build an office in the garden? You have a large garden, plenty of room for a small office. Yes it would cost, but probably about the same as 2 years of renting your office, and you get complete control over things like the décor and the amount of natural light. Something to consider.
Oh, and don't let people give you a hard time about not giving to charity. A lot of people give to charities that do more harm than good. You can learn more at the site Good Intentions Are Not Enough (http://goodintents.org/)
As for my own financial story, I am going to be poor for a good year and a half yet- I graduate 2013. My goal this year is to find somewhere I can afford in London so I don't have to live with my parents and commute. My other goal is to sell something I've made.
2011 the good: refinanced house to a lower rate and for a shorter amount of time.
feel productive at work, multiple house projects completed, the kids are doing well in school, 10K more in retirement fund, The bad: the money we took out for the refinance is being spent down, which causes me some anxiety, and still trying to get a handle on getting day to day expenses down.
Probably our overall financial picture is not much changed but as we have a more liquid cushion I feel better about the situation.
I'm hoping for 2012 to be done with main house projects and focus on other projects.
Giving up your office will save you a great deal but I guess, it requires mastery on discipline to spend your writing days within your home. I agree with Afi on this – to dedicate a spot in the house to be your office. I'm also thinking, you might also want to try writing in a secluded park if there is close to home from time to time?
My 2011 was better than the previous year. I would want to earn more though and would want to feel alive. Just like you, I would want to help other people in the little way I can.
Paid off all my school loans, built up a substantial savings account, we were able to pay our medical bills with no worries and totally merged our finances.
It was a big year and a culmination of about 3-5 years of extreme frugality.
Next year, I'd like to give more to charity (we do a pretty good job already, but I'd like to give more) and buy a townhouse.
That's pretty big of you to admit where your short-comings are. Especially the admission of not giving much to or supporting charities. Kudos to you and look forward to reading more GRS in 2012.
2011.. Wow times goes by so fast
I've quit my job this year without having a new job yet because I realized being happy was more important than the wages from that job. I've actually found a higher paying job now that I love.
I've paid of a lot of debt, then got a tax letter saying I owed another 5k from 2008. Instead of putting my head in the sand I'm now actively trying to get this decision revoked as I do belief I don't need to pay.
I hardly give to charity. And a lot of people do not agree with me. But I do not see the use of saving 1 kid, if that means that 1 kid will survive and get 6 kids of him/herself that subsequently need help. It feels like by helping I'm multiplying the problem. There are too many people already, by keeping more people alive and letting the population grow even more the problems will become only bigger in the future. This also means I will not get kids myself.
I know this sounds horrible, because yes, that means that I'm consiously letting people die now. But I honestly do not see how the problems in the future will be declined by helping now. So If I have the choice between 1 starving kid now, or 6 starving kids 20 years from now…
So I do give money for disaster relief, as this will save those that the country/world can support. But other than that I feel that the best course of action is to do nothing.
Maybe you should give to planned parenthood then…. Get birth control to the people. There are other charities that get birth control to folks in other countries as well. They used to be really popular with Republicans.
In case anyone's interested…
2011 saw me continuing good habits begun in recent years. The big one is simply not spending on insignificant things and choosing the more affordable option when presented with a choice. I've been able to save 1/3 of my monthly take-home pay consistently this year, and indeed have been so ahead of expectations that I treated myself to some computer upgrades and fun things at year's end. Living beneath my means became a habit this year. That's my big achievement.
On the whole comic book thing. I have a similar weakness–music–one probably shared by a lot of GRS readers. I discovered this year that keeping my finances in order, and watching my account balances grow, is more pleasing than buying new music. CDs and MP3 files aren't quite as much fun as they used to be, and I found myself doing several large purges to get rid of unwanted stuff. And what I do buy, I really savor, which has I think increased my enjoyment of music and my overall quality of life. So, JD, you may not have to swear off comic books completely, but cut your consumption down to the absolute best stuff that you know you will genuinely read with pleasure.
2011 also saw the death of my father and reiterated for me the importance of estate planning and end-of-life financial management. My father was OK with this in some ways, and not so good in others. He was a miser. He scrimped and pinched and denied himself a lot of earthly comforts to have a retirement nest egg. He died with a lot of money saved, more than his lower middle class house and lifestyle would indicate. That said, his savings were arranged rather haphazardly and we've been trying to simplify and streamline his accounts to make things easier for my widowed mother. This experience has driven home the importance of knowing WHERE your money is, having organized records, making sure beneficiaries are declared, and other such simple but important matters. My Dad's files were a travesty and I spent most of Christmas shredding old receipts (I found a plumbing bill from 1973 in one file…) and properly filing papers that Mom will need.
In short, I've tried to live like people did in the 1950s and 60s, not like they did in the 1980s and 90s. Maybe that's too simple a formulation, but that's how I think of it.
Happy New Year, everyone!
I'm sorry about your father. Seeing the chaos does make you think about getting your own financial house in order, doesn't it? My father scrimped and saved, too, and never spent. I kept trying to get him to upgrade his assisted living apartment, get a new bed, etc., but in the end, he got pleasure out of looking at his bank balance increase. Frankly, not the way I want to live–there can be a balance between spendthrift and miser.
Thanks for your sentiments, and yes, it's been a wakeup call. My parents are financially comfortable in retirement, which is a major achievement, but they could have made some simple improvements to up their quality of life at minimal cost. Dad wasn't good at judging such things. I'm trying to do better!
I remember when I started reading your blog about a year and a half ago, I had no idea what Crossfit was. Now, I'm happy to say that I definitely share your enthusiasm for CF! When we started, I thought of you and could totally see the value in it. I'm 4 months in and a shoulder injury I had is well enough to allow me to clean & press 85# and climb a rope – things I never thought I'd do again.
How this relates to my family's finances, however, is we can only afford the drop-in rate (which the owner bumped down to $10). We only go once or twice a week, and work out at home the other days. We have twins, and one has Cerebral Palsy so it is important for me to be a SAHM right now, but we are making things work!
I've had a great year in 2011 – GRS helped me so much in understanding my finances and mapping out a plan to get rid of the small amount of credit card debt that I had while building savings. This year, I increased my income by pushing for a raise, started a 401K at work, and started to track my spending to eliminate waste, pay down debt and started to save 25% of my income (not an easy feat living in one of the most expensive cities in the world!)
In 2012, I will get married (paying for the wedding in cash – no going into debt for one day!), move in with my husband to a subsidized apartment through the hospital (he starts his medical residency next year), and start our marriage on the right foot by budgeting and continuing to grow our joint savings account!
Happy New Year to all – wishing you a great year (financially and otherwise!)
2011 has been a financially challenging year for us: new car, new child, new business. Our net worth and income potential are increasing, but our cash flow is tight and we feel less well off.
In 2012 we anticipate some major changes in job and living situation, but God himself only knows where he's going to taking us.
2011 was a mixed bag for me. I'd been reading and learning from this blog for about a year, and in the first quarter finally paid off all my credit card debt and began that emergency fund. I felt really great about that! Then in July I lost my job. I had enough banked to continue to pay the mortgage until this month. It's the first time I've ever missed a payment. (Unemployment compensation provides me with 29% of my former income.) Been networking like crazy and have had several interviews but so far nothing has panned out. I am remaining positive though, and I have some new job-search strategies that I will kick in as 2012 starts. I have greatly increased my volunteering since I have the time. And I agree with previous posters about how much you get out of that giving. And though I cut back drastically on financial donations I was still able to make my yearly end of year contribution to a local community school for homeless children. So, not the best of times, not the worst of times. I appreciate this blog and all the valuable info provided by commenters. Happy New Year everyone!!!
Volunteering is something I have been trying to do more of. I recently had the opportunity to volunteer and teach a financial literacy class to a bunch of 8 graders. It was soo much fun and very rewarding.
I believe volunteering your time to others releases something within you that makes you feel and think differently. Giving should be an important part of everyone's life.
I totally worked for Adelante Mujeres, first running the info booth at the farmer's market, and then volunteering my time on computery, behind the scenes stuff (creating spreadsheets and whatnot).
Do you know Gina, Ali, Alejandro, Kaely, or Bridget?
2011 was a big improvement over 2010 and 2012 is looking good. DH and I are on track to be debt free and then we can really start saving for the retirement property.
GRS has been a big part of me sorting out my personal issues about money. Thanks to J.D., all the writers, and many of the commenters.
J.D., if you don't already know her, Havi (at The Fluent Self) might be interesting for you to talk to about World Domination Summit.
We are hoping to have a new approach to charity in the new year as well. Before I married I used to give to a couple of charities I liked through payroll deduction, but I found that it didnt make me feel a connection to how the money was actually spent because it was all automatic. The last few years our giving since being married has been haphazard, basically just giving to whoever asks (some "forced giving" related to my husband's position at work and then the ubiquitous fundraisers for walking, running, bowling, etc for various causes.) We were giving a decent amount, but we werent feeling good about it because it was giving to someone else's cause and not our own. In 2012 we are going to try something different. We will still give to friends and to the causes my husband is asked to support through his company, but we are also going to pick one big giving goal to fund in 2012 (things like building a well for clean water in africa, buying certain animals from Heifer International, or giving a set amount as a scholarship to one of our alma maters). Each year a different member of our family will get to pick the goal and we will all track our progress throughout the year. When our baby is a bit older I hope to also spend the year learning about topics related to our charitable goal. Logically, I know that saying we are going to donate $1000 to heifer international this year is not really any different than saying that we are going to buy 2 cows, but for some reason the latter makes it seem more personal. My husband and I are excited about the new approach, and have already designated a savings account for our contributions to accumulate until we have enough to fund our gift.
What an interesting and helpful post. Thanks for sharing.
My charitable giving has tended to be like yours: lots of little gifts. I've thought about consolidating my giving, too, but was wondering exactly how to go about it.
2011 was all about getting rid of debt for us. We still have a debt on our apartment which we had to let go of at € 30k loss. But we're down to owing € 9k now on that (yeah us!).
And then there's € 3k of student loans. We will get rid of all this debt in 2012 and then we'll start getting ready to have a family!!
Bring on the new year, we are ready!
I have 3 credit cards: 1 for gas, which is normally paid off each month; 1 for most other credit expenses; and 1 which has been used as a balance-transfer, 0% interest card. Well, as of tomorrow, the 0% interest card will be paid off! I systematically paid a set amount each month, and now I am done with this card. In 2012, I will be tackling card #2. I am looking forward to having this card being paid off each month too.
I Love Get Rich Slowly- it has been very helpful.


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- I scored a passel of fresh berries during this morning's sojourn to the Strip... many of them are destined to be served with some of this glorious stuff for this evening's dessert.
- This is a really fabulous lemon curd recipe, with a gloriously tart lemon tang well-balanced by the fatty, milky goodness of the butter. As always, if you're worried about calories and cholesterol n'at, use the real stuff and practice portion control. Trans fat and pointless deprivation will kill ya.
- Lemon Curd (adapted from Ina Garten's recipe)
- 1-1/2 cups sugar
- 1 stick salted butter
- 4 eggs
- 1/2 cup fresh lemon juice
- zest of three lemons
In a food processor, pulse the sugar and lemon zest; add the butter and process until thoroughly combined. Add the eggs, process until smooth. Finally, incorporate the lemon juice.Transfer the mix into a saucepan. Cook on medium heat, stirring constantly, until the curd reaches 170 degrees. (It will visibly thicken.) Cool and refrigerate. Lemon curd is all acidic and stuff, so it'll keep for a while... but don't expect it to languish undisturbed in the fridge for too long.


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This is not the first time The Roast has been brought to Senate.
In the past The Roast, one of the more controversial organizations on campus, has received warnings to tone down what they are writing.
A main topic of concern involved the role of The Roast in the St. Olaf RICH Statement: respect, integrity, celebration, and honesty. Some concerns were raised that the publication violated the character of this statement.
"What we needed to decide," said Christie Lar-son 04, Student Government Association (SGA) vice-president, "was whether or not The Roast coincided with the mission of SGA and the mission of the college."
The Roast offended certain members of the community, causing the adminstration to look into possibly punishing The Roast editors.
SGA feels that the publication violated certain aspects of the RICH State-ment.
"The first letter of the RICH statement is written as "Respect for the dignity of others despite differences in our beliefs," Larson said.
The Roast editors de-fended their publication and the material represented in it.
In a written statement put before Senate, members of The Roast editorial board said the newspaper "adds campus diversity and color."
The editors also collected 266 signatures from students petitioning for the continued publication of The Roast.
A formal apology was also given to Senate and the student body, stating "our intentions were good" and "we never meant for it to go this far." The Roast editors dont want to give the school the impression that it is out to offend.
"The Roast respects our audience. It is written for students by students," said Ben Toht 03, co-editor of the Roast. "Contributors feel free to say anything, which makes it a valid medium for ideas that are not otherwise heard."
The newspapers purpose is to make fun of the campus and St. Olaf community.
The satire of The Roast has been a tradition of the schools, passed on through the years.
It is the editors that decide what type of satire to use.
"It is enjoyable to have a sense of humor about issues on campus," Toht said.
"Each year, the writers and editors have different styles of humor," said Toht.
The controversy from the November issue is acknowledged by the editors, but they insist it was not meant to harm the schools reputation.
"This past issue made some readers more uncomfortable," Toht said.
"When parodying the environment, it is sometimes necessary to use lewd and indecent writing to get the message through and tell it as it is. Our intentions for the past issue of The Roast were good, but we can see where we went wrong. To some extent, we were naïve because we didnt take into account the faculty readership."
The issue of The Roasts place on campus is a hot issue among students and other First Amendment advocates.
Student dialogue with Senate members is ongoing.
"Though this is looked at as a somewhat negative issue that comes before the Senate each year," said Elizabeth Henke 05, Larson Hall Senator, "It obviously stirs something in students hearts. They are usually very apathetic; its good to hear their voice and have them speak through the Senate."
No decisions were reached at the Feb. 13 meeting and the issue was tabled for further discussion at the next Senate meeting at 6:30 Feb. 20 in the Sun Room.
Everyone is welcome and encouraged to attend.


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The median home value in Salton City, CA is $92,600.
This is
lower than
the county median home value of $132,600.
The national median home value is $170,100.
The average price of homes sold in Salton City, CA is $92,600.
Approximately 29.51% of Salton City homes are owned,
compared to 28.88% rented, while
41.61% are vacant.
Salton City real estate listings include condos, townhomes, and single family homes for sale.
Commercial properties are also available.
If you see a property you're interested in, contact a Salton City real estate agent to arrange a tour today!
Learn more about Salton City Real Estate.
Magnificent!Breathtaking!One of a kind! 418.17 acres of untouched land all within view of the Salton Sea. The combined 6 parcels encompass a 4 mile radius. Zoned R1-L5, the zoning does allow for Elementary School, Residential Care Facility etc.and with a conditional use permit, a Church, Golf Course, Tennis Club, Country Club, Senior Citizen Complex. The potential is outstanding!!! Several hot water wells are located not far from the parcels. Solar Energy Farm may be a possiblity with change in zoning. What can you imagine???
Lots of Frontage on Hwy 86! Huge site over 1500 acres! Well suited for Development (Wind, Solar, Geothermal) or Agriculture. Fronts Hwy 86 near Salton City. Property has transmission lines running through it which lead to Imperial substation. Apn# 017-340-009-000 (640 ac), apn#017-340-025-000 (255 ac), apn#017-350-034-000 (619.29 ac).
Solar Development Opportunity! Located close to Hwy 78 near the Salton Sea. There are current proposed solar sites on both sides of this property within 2 miles. .4 miles to the South are transmission lines. Gorgeous mountain views, close to recreational opportunities including boating, camping, off-roading, hiking, hunting, photography and use of personal watercraft. Approx. 968.2 ac. Apn#018-170-001-000 (648.2 ac), Apn#018-170-019-000 (320 ac).
Three parcels totaling over 190 acres. Near the boundary of Riverside and Imperial counties, this property is in the path of development from two directions. Growth is continuing from the Coachella Valley south and from Salton City coming north. The location west of Highway #86 near Vista Del Mar area and south of the RED EARTH great potential for the future. The land was developed for a golf course in the late 1990's. Would you like to own your very own golf course? This parcel is located in an area for tremendous opportunity and growth. Parcel 007-110-052 111.77 acres Commercial retail stores (personal services, photography, travel)Parcel 007-110-048 64.84 Acres Recreational / Entertainment (General) Parcel 007-110-050 Buyer to verify.
Great opertunity to own your own Bar and business. This is a great location in Salton City, near the Highay 86 and the new AM/PM Truck Stop. Capn Jim`s is a well known Bar in the Salton Sea Area. This is a full Bar with pool table, darts and music. Nice outside patio and fenced yard. The Bar comes with on property full liquor license and an off property right to sell Beer and Wine license.
Own your own Bar with Real Estate. Almost 3/4 Acre in Central Salton City. Great oppurtunity in a Friendly Town. The bar has never closed its doors in 12 years. Great repeat business keeps this bar above the rest. Seller wants to retire. All inventory is included, some fixtures do not belong to the bar.
Own your own Bar with real estate. This is by far an Excellent Business Opportunity in Salton City!!! Don't miss out on your chance to own a thriving business... Capt'n Jim's Bar!! Bar hasn't closed its doors for ONE day in over 12 years. Property, business, licenses and all fixtures, inventory is included in the sale. Bar also has 84 License which allows for beer and wine sales out the door. Also included in sale APN#015-272-011-000. Almost 3/4 of an acre with both parcels...


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Comments about Epiphone AJ-220SCE Acoustic-Electric Guitar:
Great for songwriting, play solo gigs. Light to carry, comfortable to hold. I simply love the strong sound of this guitar. The satin finish neck is the best neck I've ever had on an acoustic! If only Epiphone would step up their inspection and how they set up their guitars! Luckily I can work past them, but a beginner would get frustrated pretty quick, I think. All in all, any beginner or professional would delight in owning this guitar. The price is a outright steal.
AJ-220SCE Acoustic-Electric Guitar
The manufacturer's warranty covers parts and labor for the lifetime of the product. The warranty excludes damage from misuse, abuse, and contains other exclusions.


text: Detroit shoots tonight for its sixth straight win over the Cavaliers when the two teams play in Cleveland. The Pistons and Cavs are fighting to see who stays out of the basement in the Central Division with one week left in the season. Detroit sits in fourth place with a 26-and-52 record while last place Cleveland is 24-and-53


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Firefighters battled a tough trailer fire and explosion Friday night in east Kansas City after dangerous chemicals were found inside.
A tractor-trailer containing magnesium ignited about 11:30 p.m. Friday at 12th Street and Jackson Avenue. Before crews could get the fire knocked down, the flames spread to a second trailer. Both were detached.
Firefighters quickly realized the trailer contained magnesium, a chemical that can make fighting the flames much more dangerous.
"Whenever you have a hazardous material, it is extremely dangerous to firefighters," said James Garrett, the public information officer for the Kansas City Fire Department.
Garrett said the fire posed an extra danger because the magnesium was not labeled. Crews were surprised when the water they sprayed it with didn't work.
"First of all, one, it's very reactive with water, so there's a great possibility of it spreading by throwing water on it. That's one of our primary problems we have with putting out a magnesium fire," Garrett said.
A similar chemical explosion killed six Kansas City firefighters in 1988. The incident led to new requirements about chemical labeling. Garrett says not labeling the substance was illegal and could have been a tragedy.
A look at the tractor-trailers the next day showed the flames burnt out their metal siding, leaving half-standing structures. Bystanders say the bright, white flames shot more than 30 feet into the air.
"This is some of the debris that come from the fire last night," said Charon Washington as she pointed at the thin layer of ash that still covers her car. "Some of it's all over the place."
Washington lives a few blocks away, but says the explosion shook her house.
"It brightened up the whole block… light, just bright, like daylight," she said. "It was real scary, too, I mean real scary. We've never seen anything like that before in our lives."
David Potts saw the fire from his house, too. He said he'd just been watching fireworks, and the sparks and explosion looked a lot like what he'd seen all night.
"It looked just like what we'd been lighting off for the Fourth of July, just little things going off. I thought it was a fireworks stand that had gone haywire or something," he said.
Fortunately, none of the firefighters were hurt. Officials are investigating what actually started the fire.
While it's unknown at this time exactly what the magnesium was being stored for, officials say it is an element used in fireworks. Magnesium burns a very bright white, so it is used to add white sparks or improve the overall brilliance of a firework.
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|Social entrepreneurs: Heroes in their own right
|by Hilary Mandel
|on March 04, 2013
Page 1 of 3
You might say Heather Johnstone is your typical Vancouver North Shore anthropologist-turned-farmer-turned-social-entrepreneur. Only she doesn't quite see herself that way. "I'm a farmer," laughs Johnstone, who's been managing the North Shore Neighourhood Houses's Edible Garden Project for the last three years, "not a business person."
And then she proceeds to casually mention her goal to have her project's social enterprise, the Loutet Farm, "sustainably self-sustaining within five years," tossing in words like "break-even" and "profit margin" in the same breath. Despite her protestation, it turns out Johnstone's got some social venture chops after all.
Those chops should serve her well as she, along with two other talented social entrepreneurs, pitch their three mission-based businesses competitively as selected finalists in Enterprising Non Profit's Fifth Annual "Social Enterprise Heroes," to be held the evening of March 27 at Vancouver's Roundhouse Community Arts Centre.
Social enterprise central
One part cocktail reception, a splash of tongue-in-cheek reality show, and a healthy dose of serious professional development, Social Enterprise Heroes is the signature event capping a full day of activities dedicated to social enterprise and social entrepreneurship in BC, including a Day of Learning and a tradeshow.
Other finalists in this year's pitch, which is open to the public, are Tradeworks Training Society and Ktunaxa/Kinbasket Child and Family Services.
Building on past experience
Tradeworks, located in Vancouver's downtown east side, has the distinction of being the only nonprofit to have been invited back to pitch a second time at Social Enterprise Heroes. As participants in 2009's inaugural competition, they put forward their Tradeworks Custom Products program, which provides women in challenging circumstances with entry-level employment, carpentry skills and confidence, to launch them into careers in trades.
Flash forward to January 2, 2013. Maninder Dhaliwal, Tradeworks' executive director, had been in her new job for less than one day when she decided to enter Tradeworks' other social enterprise, the Rona FabShop, into the Social Enterprise Heroes competition. "I saw we needed help streamlining the organization's message, sharing who we are and what we do in a consistent manner," she explained.
The FabShop is a social enterprise and training program aimed at helping at-risk young adults learn basic woodworking and job skills and find their way into the workforce. Dhaliwal, who also serves as the FabShop's interim manager, sees the March 27 event and, even more significantly, the mentoring that is provided to each of the finalists, as "a great opportunity to meet the whole social enterprise community."


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Skyland Resort
Fall color is around the corner. Book your reservation today! Limited space is still available.
September 20 is the Annual Apple Butter Celebration at Skyland. Book your room today!
NPS 2014 Fee Free Days
- April 19-20: National Park Weeks Opening Weekend
- August 25: National Park Services 98th Birthday
- September 27: National Public Lands Day
- November 11: Veterans Day
The Perfect Spot for a Summer Retreat
Location, location, location applies even in the wilderness. The Shenandoah River, Shenandoah Valley and Piedmont Region are within a short driving distance of the park's entrances, making lodging and cabin rentals at Skyland Resort highly coveted. But no need to worry. Skyland Resort boasts 28 buildings on 16 acres along the crests and wooded areas of Shenandoah National Park. In-room phones won't interrupt the serenity of your surroundings (there are none). If you must have Wi-fi, it is available free of charge in the lobby of the registration building.
Lodging accommodations range from small, rustic cabins to comfortable traditional rooms. If you are looking for all the latest in-room amentities, this is not the location. But if you are looking for serene surroundings and the sounds of Mother Nature, Skyland is the perfect spot to find all that!
Skyland offers free family-friendly, nightly entertainment in the Mountain Room.
Skyland Resort Seasonal Dates:
- 2014 - Re-opens Thursday, March 27 at 3:00 p.m.
Traditional Rooms
Room with one king, two queens or one double & one twin
Coffee makers
Hair dryers
Some rooms with TVs and ceiling fans
One or two story buildings w/exterior access, no elevators
No in-room phones. Cell service accessibility depending on carrier.
12 Cabins - 1 to 4 rooms
There are 12 historic cabins at Skyland.
Rooms with one or two doubles or two twins
Coffee makers
Hair dryers
No in-room phones or TVs
Some rooms with ceiling fans
Four cabins with sitting room and kitchenette; sold as free-standing units
Eight cabins with 2 to 4 rooms; each room sold independently
Back to Top
Preferred Rooms
Room with two queen beds
Coffee maker
Hair dryers
TVs & AC
Some rooms with ceiling fans
One or two story buildings w/exterior access
No in-room phones. Cell service accessibility depending on carrier.
Back to Top


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SOMERSET, WI (WTAQ) - Some award-winning show rabbits were among 120 killed in a barn fire last Friday in far western Wisconsin.
The blaze occurred near Somerset in St. Croix County.
The rabbits were owned by Dan Hall and his sister DeAnn Ray. Hall told WQOW-TV in Eau Claire that some of the rabbits had won national competitions, and were worth $500 apiece.
All told, the value of the rabbits was $10 to $20,000. Hall and Ray also lost numerous trophies and ribbons in the fire – and they said the barn was over 100 years old.
Ray told WQOW that her daughter was checking out the damage when a rabbit hopped up to her. The animal appears to be the only survivor of the blaze – and its new name is "Very Lucky."


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Robert Higgs on Obamas Spending Spree
Recorded: Monday, October 26, 2009
Originally aired on 10/26/09 on FoxNews.coms Freedom Watch. Robert Higgs, Senior Fellow at the Independent Institute, examines why government spending cant pull the U.S. out of economic recession.
Experts: Robert HiggsType: TelevisionIssues: Economic Policy, Fiscal Policy/Debt, Government Waste/Pork, Taxes
What President Obama Should Learn from His Predecessors
Recorded: Tuesday, April 7, 2009
Amid the current economic and financial crises, President Obama may do well to remember the men who have come before him.
Experts: Ivan Eland, Andrew R. RuttenType: Independent Institute EventIssues: Civil Liberties/ Human Rights, Constitutional Law, Culture/ Society, Defense and Foreign Policy, Economic History and Development (U.S.), Economic Policy, Freedom, Government Power, History (U.S), Nationalism, Political Ideology and Philosophy, Politics, Race Issues, Terrorism and National Crises
Robert Higgs on War, Taxes, and Economic Crises
Recorded: Thursday, January 15, 2009
Experts: Robert HiggsType: Other EventIssues: Defense and Foreign Policy, Economic Policy, Fiscal Policy/Debt, Taxes


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Dakota Creek Winery introduces Italian tours
Published on Thu, Sep 27, 2012 by
Kara Furr
Read More
Next spring, Blaine's Dakota Creek Winery will be hosting two Italian wine and cooking tours. May 17 to May 25 and May 31 to June 8, 2013, participants can taste their way across Tuscany and Umbria on a tour that begins and ends in Florence, Italy.
Local wine enthusiasts will have the opportunity to taste fine Italian wines, take three gourmet cooking classes, and tour the historic hill towns of central Italy while staying in four star accommodations. The tours are led by knowledgeable Dakota Creek staff and are limited to 12 participants in order to make each one an intimate experience. "It's a very personal tour. That's what sets us apart. We want people to be hands on," says winemaker Ken Peck.
They hope to offer more tours throughout Europe in the coming years, but chose this area of Italy as a stepping off point because of their love of the region. Peck was drawn to the big, bold Italian wines that are so similar to Dakota Creek's own, and hoped that his customers would be as well. They chose to focus the tour in a small area of rural Italy so that participants could be actively involved in the experience instead of sitting on bus all day. Because of this and the small group size, Peck hopes to be able to show people "things Americans wouldn't see on a normal tour."
For more information, visit
or call 360/820-4752.


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Make an unforgettable entrance in Chaps jewelry. Pave-set simulated crystals cover these ball studs for shimmering style. Wear these silver-tone stud earrings with a crystal necklace.
- Silver-tone finish offers fabulous shine.
- Details:
- 1/4-in. diameter
- Pierced
- Post backings
- Silver tone
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The links below are ads provided by the Google AdWords™ program. Outside companies pay to advertise via these links when specific phrases and words are searched. These ads are provided by Google and are labeled as sponsored links. Clicking on these links will open a new tab displaying that respective company's own website. The website you link to is not affiliated with or sponsored by Kohls.com


text: Matix Clothing at Tillys.com! Matix Clothing Background: Matix: From The Ground Up. Matix Clothing is rooted in the heart of Los Angeles, California. Matix has grown up in surfing & skateboarding cultures and this is what they know. This lifestyle is brought to fruition through the clothing they make. Every day is an adventure and every weekend is a trip. Let your creative sense take hold to explore new paths. In the end, their goal is to create something unique for those who share this common bond. With each season comes new experiences and ideas.The Matix ambassadors are important as they represent who we are and how we live. You will become acquainted with some new faces & personalities as well as some you have come to know for years now; each one bringing something unique to the table, all with talent beyond words.Secure your foundation, take a trip, have a laugh with friends, follow your roots. Skate Team - Daewon Song, Marc Johnson, Mike AndersonSurf Team - Turkey Stopnik , JJ WesselsThe above information is from Matix.


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Sergey Myalik
Need your picture taken? Click HERE
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- Department Name: INFO TECH- EDUCATIONAL APPLICATIONS
- Phone Number: 315-731-5707
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Pork and Bean Bread
Comment on this recipe
1 can (15 ounces) pork and beans
4 eggs, beaten
1 cup vegetable oil
1 teaspoon vanilla
2 cups sugar
1/2 teaspoon baking powder
1/2 teaspoon salt
1 1/2 teaspoon ground cinnamon
1 cup chopped pecans
3 cups flour
Spray 2 loaf pans with non-stick spray. Puree pork and beans in a food processer until smooth. Place in mixing bowl. Stir in beaten eggs. Add vegetable oil and vanilla. Mix. Add Sugar and mix. Mix in baking powder, salt, and cinnamon. Stir in nuts. Add flour and mix well. Divide batter evenly between 2 loaf pans. Bake at 350 degrees for 50-60 minutes.
Sharon Dillon, Rock Island
Easy Pecan Rolls
(More recipes)
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Starting at
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Introducing the all-new
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Fully checked, factory-covered and ready for more adventures.
Compare Subaru models and other car manufacturers.
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See why an owner's love for Subaru lasts forever.
See what we're doing to be a leader in green initiatives.
Search for things to do near you, with the help of Subaru.
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The Road Evolves
A series of permanent markers along the Lincoln Highway was erected so motorists would never forget the highway's namesake. On September 1, 1928, Boy Scouts nationwide installed 3,000 concrete mile markers, each bearing a bronze profile of President Abraham Lincoln, a directional arrow and the Lincoln Highway logo. While the weather, careless drivers and road-widening projects have taken their toll, motorists can still spot some of these markers along the Lincoln Highway in Pennsylvania. Since 1998 the Lincoln Highway Heritage Corridor has installed close to 200 new signs marking the historic route.
Early road-building and maintenance was a challenge across the country. Like other northern states, Pennsylvania has a wide range of weather, including heat, freezing and thawing in addition to complications indicative of high elevations. According to the April 1918 issue of Motor Age, "... a real effort was made to maintain roads during touring season from April to December. Pennsylvania has done wonders in road building. The road from Philadelphia to Pittsburgh is practically a boulevard all the way, particularly the western portion which has been completely rebuilt."
The Pennsylvania State Highway Department fought the problems caused by rain and snow. Water breaks for drainage were eliminated, replaced by a modern system of culverts. Where all snow removal had been done by hand, snowplows were developed to clear the heavy snowfalls. These and other measures allowed the roads to remain open, ensuring deliveries by motorcars and trucks.
By the end of the 1920s, the federal highway system changed the names of early routes to a system of standardized numbering. In Pennsylvania, the Lincoln Highway was renamed U.S. Route 30.
With the opening of the country's first superhighway, the Pennsylvania Turnpike, travel volume on the Lincoln Highway declined. It could not compete with the faster, less dangerous interstate highway system. Yet the Lincoln Highway remains. Over the years, some sections have been bypassed, realigned and resurfaced, while other sections are as pristine and unspoiled as they were more than 90 years ago.
(Photo: Alex Bellotti, Commonwealth Media Services)
Panoramic views along the Lincoln Highway confirm that getting there is more than half the fun.
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You're leaving Wedding Paper Divas to see the Deal of the Day at our parent site, Tiny Prints.
You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
"After multiple samples; my fiancé and I have decided on this one! I'm excited for our spring wedding and I love this invitation. I love all the pictures that we are able to put on this invitation and the theme is great."
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"I ordered this product for my wedding, along with enclosure cards and the RSVP cards. I was completely 100% satisfied with the customer service that I received, as well as with the product. My wedding invitations are going to look absolutely gorgeous, and it's all thanks to Wedding Paper Divas. Bonus: I was a little worried about when they would get to me, but they actually got to my home a week earlier than they had told me they would. Thank you, WPD!"
"The paper quality is excellent. The reviewer worked with me several times to get the colors exactly right. I am so happy with this card and the RSVP cards as well."
"I ordered this design in the textured paper with the bracket stlye cut. The design team was quick and made my desired changes with no problem. They are beautiful,simple and elegant.They were packaged well and arrived a week before the anticipated arrival date."


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Jacob Lorrin Buechler
Part-time Faculty, Folk Studies
Office: Cravens Library room 601
Office hours: M,W,F 10-11am
Jacob Lorrin Buechler spent his undergraduate years (all 14 of them!) at five different universities, finally receiving his BA in Anthropology at the University of Arkansas in 2012. His specialization was in Cultural Anthropology with a mixture of religious studies and philosophy. After graduation Jacob decided to pursue a Masters in Folk Studies at Western with a concentration in supernatural folklore.
Jacob's research interests are mostly centered on construction of spaces of fear in connection with supernatural or paranormal phenomenon, how those spaces manifest, and how they are nourished culturally through narratives and belief systems. Nicknamed Ghostboy by his fellow graduates, Jacob is constantly trying to connect the extraordinary experience held within culture with professional academic standards – which isn't always the easiest task. For Jacob, the unknown is not to be taken lightly or foolishly, even with a great sense of humor Jacob takes his work very seriously.
In his spare time Jacob enjoys playing his guitar, walking his dog "Pockets" and hanging out with friends.
Classes I teach:
FLK 280: Cultural Diversity in the United States
FLK 275: Supernatural Folklore


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How one MedHelp member used MedHelp's My Diet Diary app to get his weight—and health—back on track.
Has your pet ever swallowed your prescription medicine? Vet tech Thomas Dock explores the top 10 meds that harm pets and what you can do to prevent a tragedy from happening.
Like to travel but hate to leave your pooch at home? Dr. Carol Osborne talks tips on how (and where!) to take a trip with your pampered pet
15 signs that it's more than just the blues
Dim the lights and break out the…eggs? These 10 foods will kick your sex drive into high gear.
Rebecca Resnik, PsyD, explains the right time to test your child for behavioral problems.


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The book industry needs a strong and effective representative to act on its behalf in relation to issues that affect the industry as a whole. Helpful cooperation between organisations representing the various sectors of the industry is also vital; particularly with the impact technology is having on the industry.
Australia's booksellers are a commercially thriving industry, profiting from
technological advances and participating as relevant community parties.
ABA is Australia's industry organisation for booksellers, providing
advocacy, training, partnerships and commercial benefits to members.
The Australian Booksellers Association (ABA) protects and promotes the interests of all booksellers in Australia. The Association has its origins in state associations formed early in the 20th century, which later amalgamated into a federal association.


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Why is it that only my clients have to obey the law
It consistently infuriates me that the politically powerful disobey the law with impunity, and yet over and over, it is generally my clients (I say that meaning not only my clients, obviously, but my general population that I represent - the poorer, larger percentage minority and the sociologically downtrodden) that are forced to obey the law. It's not enough that police officers don't have to obey the law, and that the courts can frequently just disregard the law to get to their desired result (usually one screwing my clients, or favoring the politically beautiful over the political toads), but the president of the United States has made it abundantly clear that he doesn't think that the law applies to him.
(Note - Martin Lederman over at Balkinization Blog has a great post about this here. It is well worth the read, and much better written and analyzed than I can ever do, or at least have the patience to do).
After all of the things he has done to flout the law over the last 5 years, brazenly, openly, unrepentantly, he now intends to bypass the McCain torture ban with a a simple filing of a declaration that the law does not impede him from carrying out his constitutionally required powers of defending the American people.
Hello, that is exactly what the law is intended to do, restrict what he is able to do. The law makes it clear - no torture, no exceptions. What does Bush say? I'll obey the law, when I want to. This is no different than bypassing the FISA Court to get wiretap authority (can you guess the obvious reason that he is bypassing that court, when he can get a warrant 72 hours after the wiretap begins? It is because he is spying on non-terrorists, such as political enemies).
There is only one thing you can do when a president has made it clear that he will not obey the laws imposed by Congress (or, for those of you who failed elementary school government - the People), that is impeachment. At the very least, Bush should have to explain in an impeachment proceeding why he shouldn't be removed from power, why his violations of the law were so absolutely necessary that he couldn't get a warrant 3 days after breaking the law.
Is there any reason in the world by this guy is less of a criminal than any of my clients? Because he has the right intentions? Doesn't matter, intent only matters to show that you intended to do the act charged with, it's clear he had the intent to spy without a warrant. The road to hell is paved with the best of intentions.
For over 200 years our country has lived with the notion that no man is above the law, and that applies equally to the president. It's not like he's apologizing, or saying that it had to be done in this manner, he's unrepentant, and says he'll keep doing it, even though he could go to the FISA court any day. Now he's going to violate our bans on torture. I can assure that there is not a dictator in the world's history who did all of his evil acts in the name of "security." When will our population grow up enough to realize that a simple repitition of the word "security" does not justify tyranny.
What's next, a simple declaration that it is not in the country's safety to have an election at the volatile time of war we are in in 2008? What if in 2004 he had decided that regardless of the outcome, it was in our country's national security interest that there be no change of power in the White House. He certainly argued as much to the electorate - if he believed it, what's to say he didn't act on it in secret. Maybe he decreed that it was in our vital security interest that voting machines in Ohio be tabulated in his favor, regardless of the vote.
Alright, I know I'm getting a tad bit conspiratorial there, but we know he will break the law to pursue aims of what he thinks is in the country's best interest. How far of a leap is that? Nixon was willing to subvert democracy by covering up his cohorts breaking into the opposition headquarters - that's not too far a leap to the anti-democratic tactics of fake democracies around the world like in Egypt, Iran, or Zimbabwe. How far is Bush from those kind of decisions. Either he really didn't think that the Democrats are dangerous to the country and was lying, or he has to be willing to bend the law to ensure that he wins elections.
This is a truly dangerous person for our democracy.


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Share your comments
Kremlin rising : Vladimir Putin's Russia and the end of revolution
Baker, Peter
Adult Nonfiction DK510.763 .B35 2005
Baker, Peter
Adult Nonfiction DK510.763 .B35 2005
What other readers are saying about this title:
Ajay said:
This book is full of negative comments of Russia playing down the stability it has achieved under Vladimir Putin. A completely prejudiced view.
posted Nov 18, 2010 at 6:52PM
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- Sep 26, 2009 | 3:11 PM EDT
- Daily Feature September 27, 2009
- Weekly 3rd Place September 30, 2009
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Author Comments
-Medieval Rampage 2: The Realm of Darkness-
Fight off hordes of oncoming enemies in this 25 level game containing 20 enemies, 5 bosses, and over 30 weapons/items to choose from. Medieval Rampage 2 also features Survival Mode, Achievements, and a Level Editor to keep you playing for hours!
Note: If you encounter lag please try the following -
Right click on the game screen and switch storage settings to unlimited.
Go to the options button on the main menu and switch quality to low.
Close out of other unused applications on your computer.
WASD - Move
Space - Health Potion
Tab - Bomb
CTRL - Mana Potion
'P' - Pause
'M'- Mute
This game is open for distribution, feel free to add it to your site.
Created By: Christopher Gregorio (Xdragonx10)
Art By: Aaron Perez
Sponsored By: Armorgames.com
If you find any issues with the medals or the game itself report them in either a pm or in a comment, I'll do my best to fix all them.
Rated 5 / 5 stars October 3, 2009
Very fun!
Addictive... xD
Rated 5 / 5 stars October 3, 2009
addicting and veryfun
its addicting and real fun for hours
Rated 4.5 / 5 stars October 3, 2009
it has a few gliches but it's an amazing game!!!!!!!!!!!!!!
Rated 5 / 5 stars October 3, 2009
Indeed very addicting
I've spotted 2 or 3 glitch thought ...
one of them is when you have cap locks on the BUTTONS DOES NOT WORK.
You should either fix that or tell others about it ...
Too bad if you don't read this, I am too lazy to send you a PM, if someone wants to, do it.
Rated 4 / 5 stars October 3, 2009
for some reason the buttons stopped working in one stage, nothing worked.
Thats why i died, and its annoying.


text:
Software has been used on many prestigious projects worldwide.
Here's just a few of the recent projects we've heard about from
customers in the UK. Many thanks to Foster and Partners, Architects
for permission to reproduce photos and descriptions of just a few of
their many world-beating projects.
details are available on their
Smithsonian Institution is the finest example of Greek Revival
architecture in the United States. When completed in July 2006, the
scheme to enclose the building's grand central courtyard will
transform the public's experience of the Smithsonian's galleries and
provide the Institution with one of the largest event spaces in
Washington. Designed to maximise the potential of the Smithsonian
courtyard, the sensuous, fully glazed roof canopy develops
structural and environmental themes first explored in the design of
the Great Court at the British Museum (also designed on STRAP).
Architects: Foster and Partners.
Engineers: Buro Happold. Program: STRAP
Founded in
1870, the Museum of Fine Arts, Boston, is one of the world's finest
art museums. Work is in hand to provide new galleries, a study
centre, and temporary exhibition and education spaces.
Architecturally, the project echoes themes explored in the Reichstag
and the Great Court at the British Museum, establishing a creative
dialogue between the old and the new, and strengthening links with
the local community by making the building more open and accessible.
At the core of the scheme is the restoration of the symmetry and
logic of the Museum's original Beaux-Arts plan, devised in 1907 by
the American architect Guy Lowell.
Architects: Foster and Partners
Engineers: Buro Happold Program: STRAP
September 2003, Kazakhstan hosted the inaugural Congress of Leaders
of World and Traditional Religions. Following an international
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Geeks Love The Bitcoin Phenomenon Like They Loved The Internet In 1995
Ken Tindell, Contributor | Apr. 5, 2013, 5:42 PM |
Ken Tindell is the CEO of JK Energy, a software consultancy startup. He has a doctorate in real-time systems from the University of York and has been involved in technology startups in various industries including automotive, embedded internet, authentication and web TV.
Recent Posts
Even more intriguing is that the creator of Bitcoins is unknown, pseudonymous like Banksy. And maybe like installation artist JSG Boggs producing a work exploring the meaning of money.
A common analogy for Bitcoins is gold: like gold, they have value only because people want them, the supply is limited, more Bitcoins are created only by 'mining' for them and the difficulty in mining grows as they are mined. But rather than being stored in underground vaults Bitcoins are simply entries in a notional ledger held across many computers around the world.
The actual mining of Bitcoins is by a purely mathematical process. A useful analogy is with the search for prime numbers: it used to be fairly easy to find the small ones (Eratothenes in Ancient Greece produced the first algorithm for finding them). But as they were found it got harder to find the larger ones. Nowadays researchers use advanced high-performance computers to find them and their achievements are noted by the mathematical community (for example, the University of Tennessee maintains a list of the highest 5000).
For Bitcoins the search is not actually for prime numbers but to find a sequence of data (called a 'block') that produces a particular pattern when the Bitcoin 'hash' algorithm is applied to the data. When a match occurs the miner obtains a bounty of Bitcoins (and also a fee if that block was used to certify a transaction). The size of the bounty reduces as Bitcoins around the world are mined.
The difficulty of the search is also increased so that it becomes computationally more difficult to find a match. These two effects combine to reduce over time the rate at which Bitcoins are produced and mimic the production rate of a commodity like gold. At some point new Bitcoins will not be produced and the only incentive for miners will be transaction fees.
The raw performance of a Bitcoin mine is measured in hashes per second (i.e. the number of tries per second to find a block). With the difficulty and bounty settings it becomes possible to calculate the expected rate of Bitcoin production. An ordinary computer can do this work running software and typical high-end PC (using an Intel Core i7) can perform about 6.7MH/s (6.7 million hashes per second). This would have been quite successful at mining a couple of years ago but today it would have an expected rate of 0.0005BTC per day (this is a actuarial measure: a miner finds a block or doesn't, and in this case it would likely take decades to find one).
Fortunately, there are more powerful computers available quite cheaply: your graphics card used for gaming is actually a massively parallel computer (quite often containing more than a thousand CPUs). My PC's GPU (Graphics Processing Unit) contains a Radeon 6870 chip that will do 300MH/s. That's enough for 0.02BTC per day (it would take on average more than three years to find a block). But there's the cost of the electricity to run the PC (and the cost of the PC) to take into account. The PC uses about 250W of electricity (the graphics card alone uses 150W).
At current difficulty and electricity price ($0.15/kWh) it would cost $44 in electricity for each Bitcoin mined. But crucially, the low probability of finding a block means that the economics are likely to have shifted before one is found. The only viable way to mine Bitcoins with a GPU is to have lots of fully-amortised cards in a datacenter running right now. In short, if you didn't get into Bitcoin mining ages ago with your PC, you're too late now.
There is another way to calculate hashes faster: using FPGAs (Field Programmable Gate Arrays). In essence this is custom programmable electronics. Rather than using general purpose processors running software, the hardware is directly performing the calculations. FPGA programming is quite specialist engineering used in applications like HFT (High Frequency Trading) and ULLDMA (Ultra Low Latency Direct Market Access). An FPGA mining rig can achieve a hash rate as high as 800MH/s, but at some expense (the cost can run to $1000 per module).
A high-end rig of 8 modules could expect to generate 0.5BTC per day on average (allowing the hardware costs to be amortized over 130 days at current BTC prices and difficulty levels). However, anyone who invested in FPGAs recently will likely have lost their money: a new generation of mining hardware has hit the market rendering all previous mining rigs obsolete.
ASICs (Application Specific Integrated Circuits) are the kind of chips found in cellphones and other electronics. They are expensive and time-consuming to design (taking months or even years) and hard to get the production right (requiring large silicon wafers, people in cleanroom bunny suits, etc.) but once they work properly can be manufactured cheaply in quantity.
The first dedicated mining rigs built from ASICs shipped a few weeks ago: Avalon claims their first product achieves 65GH/s, uses 650W of electricity and is priced at ฿72 (yes, it's priced in BTC). Butterfly Labs say they will be shipping imminently kit that will do 50GH/s (currently priced at $2499). This should at current difficulties find a block about every 6 days, giving a BTC rate of 3.75BTC per day. At current BTC/USD prices that would allow the hardware cost to be amortized over just 5 days.
ASIC-based Bitcoin mining has created a step-change in Bitcoin mining economics. In keeping with the analogy with gold, there is now a rush to be amongst the first with the new mining technology and scoop the current set of Bitcoin nuggets that are easily mined before someone else does - the difficulty will step up as ASIC-based rigs become widespread. And just as in California in 1849, the suppliers of mining equipment are likely to be the ones who make the most money. In the end the limiting factor will be the amortization costs of ASIC rigs (given the economics of silicon this need not be high) and electricity (perhaps the future of Iceland's economy is hosting air-cooled Bitcoin mining rigs powered by volcanoes?)
As to whether all of this is a fool's pursuit and Bitcoins are really modern-day tulips (albeit tulips that weigh nothing, don't decay and have no storage costs) it is difficult to say. In the end a form of money is a human construct that has utility when it is widely agreed that it has utility. Of course, it could be a huge geeky joke. Like the Internet used to be.
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Karen Van Ness ReviewsKaren Van Ness
Realtor (37 years experience)
15 Recent Sales (last 12 months)
Buyer's Agent, Listing Agent, Relocation, 1st time buyers,luxury estates
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10/11/2011 - Jennifer Eichenmulle
Bought a home in 2011.
My husband and I received only two months notice that we'd be relocating to North County San Diego by my employer. We hired a realtor over the telephone and flew in with a week to find a house, but from my first meeting, I realized I couldn't trust this person with this purchase, and she had insufficient experience to know what was important to a middle-aged couple with children. I met Karen the next day shopping new homes by myself, while she was looking for a client. This was a stroke of great fortune for me and my family. Karen and her husband knew the North County area well. I am a tough customer. I wanted a home in the best school district, with a built-in pool, a big enough lot for some fruit trees, in a great community with lots of children, low HOA fees and nice amenities, and at a price point we could afford despite being unable to sell the home we were leaving...and I wanted to find it in a week!! (Gee, is that all?) Karen searched zealously day and way into the night for me, skipping meals, as driven to help me find this house as I was, and by the end of the week, she had in fact zeroed in on the perfect house with every single thing we were looking for, but it presented one possible snag, the bank-owned home already had 2 offers when she found it. This is what separates the good from the great. Karen brilliantly negotiated on our behalf, and saved us a ton of money by beating the other offers by very little cash, but by inserting aggressive closing terms that were very attractive to the bank. Within a week Karen had persuaded the bank to accept our offer over the others. I personally would have thought we'd have to offer more to get the bank to reject the birds they already had in hand, but Karen knows her business. I am a savvy client who some people would describe as a high maintenance (I am a lawyer who has bought and sold several of my own homes) so I know a thing or two about real estate and about negotiating. I'd have to categorize Karen as the best!! Her understanding of her field, and the North County area provided me with a service I couldn't have done for myself. In the end she saved my family a ton of money that we would have paid on rent had we not been able to find a home, or by compromising by buying a home without a pool and having to put one in. Karen fully earned our strongest possible recommendation!! My husband and I would not buy another home without her and would recommend her to anyone buying in this area. You could not put your home buying decision in more capable hands!!
Response from Karen
09/16/2011 - aashley68
Sold a Single Family home in 2006 for approximately $525K in Chico, CA.
Karen is a top-notch agent. She is truly first-rate! Karen goes above and beyond to ensure a successful sale and/or purchase. I will certainly use Karen for any and all of my future real estate needs. Karen sold my house in 2006. To help ready the property for sale, she spent her own personal time, arranging and re-arranging furniture, painting the walls, even watching my dogs, and baking cookies for perspective new home buyers. When it came time to move into my new home, she was right there; moving furniture, helping me decorate, orchestrating my house-warming party, and so much more. Karen i a professional, educated and knowledgeable realtor, but now I'm happy to also call her my friend. If you are looking for a masterful and professional, get-it-done, no-holds-barred type of realtor, then look no further. You will not only have an amazing and talent agent working for you, but you will find that you have a new friend as well.
Response from Karen
08/10/2011 - chicocharlie
Bought a Single Family home in 2005 for approximately $450K in Chico, CA.
When my late wife and I moved to northern CA from Florida, about 6 years ago, our daughter had a home tentatively chosen for us. It turned out to be a terrific choice and all the more so thanks to Karen's knowledge. As the designated realtor she graciously assisted us in making key selections for our new home, including tiles, flooring, bath amenities and so forth. It was a treat to work with such a professional. Charlie McCarthy
Response from Karen
12/09/2011 - ianmcf
We connected, but it did not work out. Looking in Rancho Santa Fe, CA 92067
Karen was completely useless. She was going to line up some homes for us to lease, but she lied to us once, and then wouldn't return calls. She never showed us anything. We telephoned Karen from a Zillow listing to lease a home in Rancho Santa Fe and had a pleasant conversation and made an appointment to see her and the home when we arrived in RSF from Vancouver 3 weeks later. When we arrived we phoned her again and she said the particular unit was already leased, which is fair enough, but she said she had a better one. That was was excellent, but after that she never returned our calls, and after 3 or 4 follow up calls we dropped her and went with another very capable agent.
Response from Karen on 03/07/2013
I am truly sorry that you had this experience. Unfortunately, I had set time aside for our appointment to show you the home and didn't hear from you. It wasn't until 3 days later that I heard from you. I assumed you were working with multiple agents and focused on my current clients. I apologize.
10/26/2011 - Bud Realestateman
Sold a home in 2008.
I have held a CA Real Estate Broker License for over 37 years, with licensed sales associates working under my supervision. In a recent Real Estate transaction, which I considered complicated, Karen Van Ness represented property of the Seller, while I represented the Buyer. It was not an easy escrow for the Seller's. They were undergoing extreme emotional and physical hardship, which, within the year following, resulted in the death of the spouse. In my opinion, Karen, provided professional service for the Seller that few agents were capable of. Karen was always available to be of assistance to the Seller, and to provide "indepth" answers relating to the property she represented. I value and appreciate the integrity, character, and professionalism of Karen Van Ness.
Response from Karen
10/11/2011 - KathleenRapp
Bought a Condo home in 2011 for approximately $375K in Encinitas, CA.
I recommend Karen highly. She knows this business inside and out and does the job of realtor with finesse. Karen and I began working together in July of this year (2011) and on 10/5/11 I closed on a townhome that far surpasses my wildest dreams of what I would be able to purchase as my "post divorce" home. Aside from her technical knowledge of the business and her superb negotiating skills, I was especially impressed with Karen's ability to make one of life's most stressful events - purchasing a home - as minimally stressful as possible. Karen is a realist, an advocate, a strategist and an optimist who perseveres relentlessly on behalf of her clients. Trust me you want her on your team.
Response from Karen
10/02/2011 - danagiamp
Helped me rent a Single Family home in Rancho Penasquitos, San Diego, CA.
My family and I were relocating to San Diego from Philadelphia when we were put in touch with Karen to help us find a new home to rent. We were clueless of the numerous areas and neighborhoods in San Diego and Karen was able to explain the pros and cons of several areas. We described our needs and desires to Karen and she was able to locate the perfect area that met our needs and found several properties that exceed our expectations. Karen was a fabulous source of knowledge of not only the housing market but also the hidden jewels of the San Diego neighborhoods. Karen continued to be a valuable resource to my family even after our home was found, providing us with needed contacts and additional insiders tips. We would highly recommend Karen
Response from Karen
09/29/2011 - reimac
Sold a home in 1998.
"I met Karen when I decided to sell my home in Paradise Valley, Arizona in 1998. She is a tireless and dedicated professional who is not afraid of hard work and putting in the hours that are needed. She is focused and knowledgably. She is absolutely an advocate for her clients, and looks out for their best interest and equity. My family moved out of our home and into our new home and I once stopped by the old house with coffee at 10:00 in the evening and she was stripping wallpaper off of the walls because she felt strongly it was hurting how buyers perceived the home. I should mention that we have become dear friends through all the years since then." I would highly recommend her to anyone that needs to sell or buy a home or investment property. She will get the job done!
Response from Karen
09/10/2011 - tbs44965
Listed, but didn't sell my Single Family home in 2011 in Carlsbad, CA.
Karen has been not only a great realtor, but has become a good friend. She has gone out of her way to get my house sold in a market that is very depressed. Karen is innovative and seasoned in the marketing methods she uses. She is a pleasure to work with; she always has a plan B if Plan A doesn't pan out. Love that.
Response from Karen


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Ejercicios de gatunos
Never forget.
Never forget.
This is probably the greatest photo in existence.
Vaga loves books.
Linus is a majestic lion. He also takes up the whole bed.
A good day for a little Anne of Green Gables with Vagabond.
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A Worf and Data classic moment.


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Amazing video from YouTube user Srachi shows an eagle soaring through the Chamonix, Mer De Glace region of France, near the Alps with a small camera on its back. The area contains the largest glacier in France.
While Srachi didn't provide a description with the video, all we know is that we could watch it for hours on end.
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Availability: Usually Ships Within 24-48 Hours
Tazo White Tea Berryblossom - 20 Tea Bags
Tazo White Tea Berryblossom is a delicate tea with enticing hints of huckleberry and white cranberry. Tazo White Tea Berryblossom is an enticing source of wonder, inspiration and antioxidants. Like a flower petal brushed against the cheek, Tazo White Tea Berryblossom is a delicate sensation. But as you sip this blend of shade-dried teas from China and enjoy its subtle nuances, you may be surprised by dazzling notes of blueberries and white cranberries. If this caught you off-guard, try another sip and see if it happens again. White tea is created when the bud and first leaves of the tea bush are carefully plucked and gently air dried to produce the subtle whisper of a sublime flavor.
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