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Getting Started with Estate Planning
Published on - March 3rd, 2011 (by Sierra Black)
This post is from staff writer Sierra Black. Sierra writes about frugality, sustainable living, and getting her kids to eat kale at Childwild.com.
Over the past few years, I've done a reasonable job getting on top of my personal finances. I've paid off credit cards. I've put systems in place to track and analyze my spending each month. My files are in order. I've learned how to communicate about money with my spouse. On any given day, my financial life is running pretty smoothly.
Looking ahead, though, is like looking off the edge of a medieval map: "Here Be Dragons!" I have an underfunded retirement account, no will, no one named as a guardian for my kids, and no clear plan for what happens to my stuff when I'm gone.
I'm not unusual in this. Few people in their 30s have made appropriate arrangements for their estates after they're gone. End-of-life issues seem infinitely in the future, something even my parents aren't really paying attention to yet.
The fact is, we all should be. Estate planning matters at any age, as soon as you have assets to leave behind and people to leave them to. Not only does planning your estate protect your family should disaster befall you, but it helps you get better clarity about your financial goals in the here and now.
How To Start
Like many personal finance topics, I found my own ignorance to be a huge gating issue to getting started on estate planning. I vaguely knew I should have a will, but I don't really know what else goes into planning an estate. All of it seemed to require time, money, and attention I don't really have to spare. I wasn't even sure where to start. So I didn't start. I just let it go undone.
To get a grasp of the basics, I brushed up on them at CNN's money site. This article gave me a decent sense of what steps to take for planning my estate. At the core, there seem to be four main areas of estate planning:
- Making decisions about your estate. This includes naming heirs for any assets you leave behind as well as naming a guardian for any minor children and making some provisions for how you want your assets distributed.
- Creating documents to record and enforce those decisions.
- Organizing your documents so that your family can find them and make sense of them.
- Communicating your intentions to your loved ones.
Decision Making
You probably have a good idea of the basics of your estate plan. If you have life insurance, you've named a beneficiary for the policy. You know who will get the bulk of your assets in the event of your death, and who you list as next-of-kin or an emergency contact on your health forms. A good estate plan requires you to get clear and specific about these things. You'll need to answer (at a minimum) the following questions:
- Who will inherit your assets?
- Do you have any specific gifts or bequests you want to make? You may, for instance, want to leave your assets primarily to your children, but bequeath your book collection to the local library and your vintage camera to your nephew, the family photographer.
- If you have minor children, who would you like to have raise them should both parents die or become incapacitated?
- Who will care for you and make decisions for you if you become incapacitated by illness or injury?
The primary financial document you need to create is a will. If you don't have a large estate (by which I mean less than the 3.5 million dollars that would put you on the hook for estate taxes), you should be able to use a simple, self-made will. Hiring a lawyer for this is unlikely to be necessary. Nolo.com recommends using either their software or Quicken's Willmaker for creating your own basic will.
Your will should cover the disposition of your assets, name a guardian for your kids, name someone to manage property you leave to your kids, and name the executor of your estate. The executor is the person with the authority to see that your will is enforced.
In addition to a will, you may want to create a living will or advance medical directive. These are documents that let your doctors and caregivers know your wishes regarding medical care in the event of a major medical event where you may be unable to make your wishes known. To give your living will more power, you may also wish to assign medical power of attorney to your spouse or another loved one. Having someone acting on your behalf can help ensure that your wishes are followed.
You should consider creating a power of attorney for someone who can take over your financial affairs if you are alive but unable to manage them. You can assign someone either "durable power of attorney" or "springing power of attorney". The former is automatically in place. The latter requires a court hearing to prove that you are not competent to handle your own affairs. A lawyer can help you decide which is right for you.
Finally, consider writing a "digital will". This is a document that identifies all your online accounts at sites like Facebook, Flickr, and Myspace, and gives your family instructions about what you want done with them. It should include all relevant usernames and passwords. While not a legally binding document, this can be an invaluable tool for your loved ones to gain access to your social media accounts and manage them in the way you desire.
Once you've created these documents, you want to keep them organized in a simple, clear place where your family can easily access them should they need to. That could be in your file cabinet, with your attorney, in a safe deposit box. Wherever you do it, you should also make sure your heirs will have simple, organized access to your financial records and accounts, and any other important papers.
For most of us, these records aren't just on paper anymore. Not only do I need to be sure my estate executor has access to my bank account numbers and 401K accounts; I probably want that person to be able to access those accounts online, too. They'll need to get into my computer, and be able to access my Google documents and Mint account if they're going to really make sense of my finances. You'll want to include any necessary banking usernames and passwords with your important papers, along with your digital will.
When you've created your estate plan, tell your family about it. Be certain the person you picked to be guardian for your kids is willing to do it. Make sure your executor knows where you keep your will and other important papers. Let your heirs know what to expect from your will. All this will cut down on confusion and conflict after your death.
As you can see, doing all this requires having your financial and personal affairs in order. That effort will serve you well in your lifetime, as well as being a boon to your heirs when you're gone.
Wow. Once again I feel like Sierra Black is talking directly to me. Thanks, Sierra.
ICK! Who wants to deal with a will? I'm not planning to die anytime soon….
We just had a kid though so I guess it's time to grow up and look into this. I'll discuss with the Mrs. and figure out the sticky details like who should be guardian and where money should go.
I'm bookmarking this! I've been thinking about this recently, and was feeling sort of lost without a jumping-off point – thanks for the straightforward outline.
A friend (who is a lawyer) gave my wife and I wills as a wedding present. Sounds creepy, but we had the final documents signed when we signed the wedding certificates and register.
It was a great and well appreciated gift.
What about trusts? I've been advised that they are better than a will because you avoid probate and they generally can't be challenged.
@retirebyforty – My dear friend wasn't planning to die at 42 either, but cancer doesn't discriminate by age. My best friend from college wasn't planning on dying at 34, but the drunk driver who pushed her off the road didn't know that. My uncle didn't plan on being diagnosed with MS and having to quit his job at 50 either.
Pull your head out of the sand. No one PLANS to die. But they sure as heck ought to plan what will happen to their families when they do.
We had a will drawn up by a lawyer once the first child was born. It includes who gets what as far as possessions, who the guardian is for the kids and who the financier is for the kids. My husband and I have a living will that dictates what to do in case we are incapacitated and our wishes for/against life support. This will is quite lengthy but we felt it was necessary.
We made our wills when we were expecting our first child because we had some very odd relatives and wanted to make sure that any guardianship would not go to them. No assets to speak of at the time, but real concern about the child-to-be.
I made my first will prior to my initial active duty military deployment, and have updated it twice since. It gives me peace to know that it is there to clear up any misunderstandings… but i try not to think about it.
I would add, not being an expert on the subject but speaking from experience, that it pays to continually check in on the status of the plans. My grandfather had his affairs neatly in order with his bank…but it was then bought out by a larger bank just before his passing. We, unaware of the situation (silly us to get so bogged down by his failing health), didn't realize until after he was gone that this created all sorts of frustrating complications. The money is still tied up in a mess of paperwork due to a lack of communication between all parties involved, and we're only now seeing the light at the end of the tunnel a year later.
Another idea is to have a photocopy of the will etc with your executor. When you die the exec. can have problems trying to get in to the safety deposit box for it (paperwork, probate, etc.). At least they can act on good faith from the copy and access funds, etc.
Alternatively, if you trust your executor, put their name on the SDB as well. My folks added me as a person to access the SDB, "just in case" and whenever that day arrives it will come in handy.
When I wrote my first will (late 20′s) I thought it was kind of creepy too – but upon finishing it I had a sense of peace with it – knowing I had done something to look after my family and friends. Once its done, its much easier to keep updated, the hurdle is past.
Made a complex topic very understandable–well done! Also consider how your estate plan can leave a legacy for the causes you care about.
Thank you for this article. It's a topic I've been thinking about, as I've realized that at the age of 25 I finally have a positive net worth (despite student loans!). Thanks to this article, I just wrote up my own will and will have a couple of friends witness it.
I'm also reviewing the beneficiary designations on all of my savings/retirement accounts, since that's really where all of my assets are. So THANK YOU for this introduction-slash-kick in the butt!
What keeps me from creating a will is deciding which route I should take, should I hire a lawyer or should I do it myself and which lawyer should I pick, a friend of mine said to simply pick one from the phone book. Any thoughts?
Nice reminder Sierra, it took my hubby and I a long time to sit down and discuss about estate planning.
I want to add one information that I got from our lawyer, am not an expert on this, if one lives in the US and the surviving spouse is not a US citizen (permanent resident is still considered non citizen) then the marital deduction law – the unlimited transfer of property is not applicable. I suggest google for QDOT if anybody is interested in knowing more.
Wills can be tricky things, but they are important. Having written my own will, it was surprisingly easy, but then my finances are pretty simple (no dependents, no house, not huge assets). However, I think that even if I had more complex affairs, like my parents, I would be tempted to write an "interim" will, so that at least there was something while I got a "proper" one sorted – dying intestate is a huge problem for those left behind. Your money may not go to the people you think it will.
I found a lot of good advice in my library – both in terms of writing my own, and in terms of advising when you really need an expert.
I should add that I'm in my early thirties, and made my first will in my twenties. I don't intend to die for a good while yet, but it's nice to know that if I do, it'll be one less thing for my family to worry about.
One other thing I'd add is to talk about your wishes with your family. Sure, you can put your funeral requests in your will, but what if it's not found until too late? What about organ donation? Knowing your loved one's wishes can make life so much easier at a time when making any sort of decision is clouded with emotion.
I insisted on getting a will drawn up immediately after my marriage in case anything happened to us, and we would change it as our family and finances changed.
We hired a lawyer who was beyond insulting and who "forgot" to draw up our will when promised. He offered a free will to make up for it, but I turned it down because I no longer wanted to interact with him. Almost a year later, we still don't have a will.
Thanks for the reminder about how important estate planning can be. I have to say I'm a little disappointed that this article doesn't have a lot more discussion! I was hoping to get some more tips…
Great post about something we all need but don't like to think about. I'd like to add that keeping passwords in one place is a good idea for your family once you're gone, but should be kept locked until that time. Otherwise it's an open invitation for identity theft.
At age 32, with the birth of my first child, I got a fabulous book:
The Busy Family's Guide to Estate Planning: 10 Steps to Peace of Mind by Liza Weiman Hanks
I used that in conjunction with Quicken's WillMaker from the library and I got the basics down.
I liked the book's easy to follow steps of one thing at a time. I still have to go back and add another layer (living trust?) and alter everything to include child #2.
But just getting those basics down is a huge confidence builder to tackle the next steps.
No matter your age, if you have children, PLEASE make a will; appoint guardians; make sure that all important paperwork is organized so that it can be found – such as vital statistics documents, medical history of both parents and children to date, medical insurance, life insurance, etc.
My husband's younger brother died Nov 26th. He was 44 years old. He had sole custody of his 9 and 10 year old children. Despite fighting a losing battle with serious chronic illnesses for several years, he had done nothing for in case he died prior to his kids reaching age 18 – despite my husband and I telling him for years he needed to do so.
My husband and I have had a much longer battle and road to travel due to the lack of preparation by his brother. We had promised years ago to take in the kids – but without something written by his brother, we've had to fight to get the kids. Costly court and legal costs that could have been avoided. We have NO medical history on either child other than we'd been verbally told of a drug allergy they inherited from their mother (but not told what the symptoms were) and we were handed a bag of medications that we were told were for ADD in one kid and ADHD in the other. Passing mention was made that one child wore glasses, but she'd broken and lost the pieces. We did not know until a basic screening at school this week that she wore glasses because she is legally blind in both eyes. We are scrambling to get legal guardianship and custody orders to a certain point so that we can add the children to our medical coverage in order to get their needs covered.
So while trying to deal with grief due to the death of his brother and deal with the children's grief due to the death of their dad and loss of their old life, my husband and I have also had the added stress of scrambling for needed documents to do basic things necessary to care for the children. Don't even ask about all we had to do and provide in order to request new Social Security cards for each kid, which is required to get them medical and other services.
While we don't want to think about death – it is inevitable no matter what our age or status in life. Please think about those left behind, especially your children.
Absolutely get a will if you have a kid or are having one soon. Do it! If you're having problems with getting started, imagine the wackiest relation you have amongst parents and siblings and then imagine them raising your child. That should help get you moving!
Check your package of benefits from work — a lot of places have some sort of deal for some minimal legal work, like wills. That's a good place to start.
Do NOT go to the big name legal firm in your city! They are going to charge you their regular rates and take their time. Their estates departments are used to the ultra-rich, not the ordinary people! You'll be charged an arm and a leg for something that won't be any better than what you'll get elsewhere. [Unless you're ultra rich -- or at least above that 3.5 million mark. In either case, if you are? Ask your financial person who to use for your will!]
There are plenty of mid-size firms that are more reasonably priced and more likely to do a simple will quickly and accurately for you. Ask around from people who might have wills already about their experiences.
Someone also asked about trusts. Again, unless you are over that estate amount, don't worry yet. Certainly don't worry about trusts before you have a will (including guardianship and financial duties for kids), powers of attorney, and living will. Worry about trusts when you have LOTS of money!
#19: You can write the will to specify all children — so that you don't have to keep updating it! Check for the proper phrasing of it, but it keeps your will from needing changes, at least for that.
It shouldn't cost a lot to have an attorney look at your hand drawn will. If you screw something up, you can make a major problem for your family.
We got wills made up right up after our wedding. I knew that my darling mother in law would probably move to annul our marriage if something happened to my husband shortly after the wedding and leave me up the creek.
Also, even if you don't plan to die anytime soon, and you have a negative net worth, consider that if you die in such a way that a large lawsuit judgment or settlement is possible, your heirs will wish that you had a will! (Sorry about the best friend forced off by the drunk trucker — but that is precisely the scenario that leads to the lawsuits and judgments.)
I can't remember who told me that if I wouldn't go out to dinner and leave my kids sleeping alone in the house without a sitter–and of course I wouldn't–then I shouldn't be willing to leave them alone if in the event that something happened to us. So now we have life insurance and guardians and medical directives and powers of attorney and wills and a trust. The trust is not because we have much in the way of assets, but it does control life insurance payouts in the event we both die–my 2-year-old won't have a fortune dumped on her before she can even write her name (something I'd never considered before I talked to our lawyer).
We have tried software and working with a lawyer and there is no contest: lawyer is better. I realized after one of our longer conversations that in the event one or both of us were incapacitated or died the last thing anyone would want to do is deal with estate issues. Not only would our lawyer cover that problem, it turns out that because he's an estate lawyer he's got backups three firms deep in the event that something happens to HIM. Maybe if I were still single without kids I wouldn't care, but with kids: lawyer, lawyer, lawyer. Our kids' planned guardians have his card. In the worst case scenario, they can concentrate on helping the kids through their grief and trauma without getting distracted by legal issues and money. I can't put a price on what that's worth to me.
My husband and I just got our will put together this last summer (right before our second son's first birthday) using Legalzoom.com. I was happy with the ease of use and thoroughness their software offered. There were even descriptions throughout the process of filling out the forms explaining what each section really was — in plain English rather than legalese.
Thanks for the suggestion to implement a digital will Sierra. That was something I've never considered, but it's so relevant!
I need to add my personal experience, along with everyone else's.
When I was younger and single, back about two decades ago, I paid a friend lawyer to make my will for me.
It was the best decisions I made. Not because I died, because I'm still here. But because it gave me the best piece of mind I could ever have.
Think… everytime I got on an airplane, I used to worry… what if. After I made my will, I knew things would be taken care of in the event of if.
I am surprised no one has mentioned trusts. I think those are much better than wills given the fact that for some, a lifetime of accummulating assets should really go into a fund that can only be drawn on for health, education, etc. purposes.
Just a few cautionary notes: If you're going to write your own will, make sure that you check the rules on how to properly sign it and what can go in it. Each state has it's own rules on this stuff and doing it wrong will just create more problems.
Also, keep in mind that your will may not effect some of your biggest assets. For example, you can't designate in your will who will get your 401(k), IRA, most investment accounts, or your life insurance. You need to designate those beneficiaries separately.
Is it appropriate to deal with who should get your pets in your will?
Also, to find a good lawyer ask around to your friends and family. Referrals are the best compliment to an attorney. Just looking in the phone book is a bad idea.
There is much more to estate planning and wills. Please get a lawyer! Probate is serious and should be avoided if at all possible!
If the will is done incorrectly, it can be voided by the court and everything could end up in probate. The judge will decide how to distribute your estate, not you or your executor.
In addition, there can be serious and expensive financial repurcussions if both husband and wife die in the same accident. You can state who will be considered as dying first if it cannot be determined.
One way to avoid probate? Any asset with a NAMED BENEFICIARY will not go through probate. It will go directly to the beneficiary. Co-ownership, partnerships, joint tenancy, tenancy-in-common, etc. are NOT the same as beneficiaries.
There are reasons there are so many thick books on the subject. Get a competent lawyer.


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No, they're quite clearly different concepts...
No, they're quite clearly different concepts...
Last edited by Jamee999; 07-06-2007 at 09:53 AM. Reason: Safety Ninja
Or something.
RIP Fardin Qayyumi (AKA "cricket player"; "Bob"), 1/11/1990 - 15/4/2006
Cricket Web's 2013/14 Premier League Tipping Champion
- As featured in The Independent.
"as much a news event as an actual footballer, a worthy stop-start centre forward, but an all-time hyper-galactico when it comes to doing funny things with cars and hats, a player whose signing proves once again that the Premier League is still undoubtedly the best in the world when it comes to doing things with cars and hats."
- Barney Ronay on Mario Balotelli
Where's as bad as each other?
Member of the Newtown Cricket Club since January '06 - "Per commissum ad taberna"
Honorary Vice-President of the "Twenty20 Is Boring Society"
The Future of International Cricket - Rohit Sharma, Suresh Raina, Ravi Bopara, Tim Southee, Ross Taylor, Shahriar Nafees, Raqibul Hasan, Salman Butt, JP Duminy
Proud Supporter of the Bangladeshi Tigers
Ryan ten Doeschate - A Legend in the Making
MSN: email@example.com
As the post has been reported I'll apologise now for any offence caused to cdm or any other gay members.
Yes, that was a cheap shot, but the first part is sincere. However two inoffensive jokes which turn on (admittedly weak) puns are no more homophobic than Englishmen, Irishmen & Scotsmen jokes are racist or blonde jokes are sexist.
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UFC's Bobby Green calls Donald Cerrone racist, sexist, bullyElias Cepeda at Cagewriter1 mth ago
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According to allegations Green made during an interview Monday with MMA Fighting, Cerrone made racist comments about Green, a well as groped and bullied UFC fans at a UFC Expo. "[Cerrone] just said some racist stuff," Green began.
"He said stuff like, random racist stuff like 'we gotta check him, we gotta check him, you know how black people like to steal.' I'm like 'what the,' and I'm getting hot in front of thousands of people, all these people are here for the signing and they're going 'ohhhh' and 'ooooh' and 'ahhh.'
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Do you think White and Diaz are likely to come to terms and have the former title challenger fight again in the UFC? Let us know in the comments section.
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Check out the full results below:
Michael Bisping defeats Cung Le via TKO in Round 4.
Tyron Woodley beats Dong Hyun Kim by first round TKO.
Zhang Lipeng defeats Brendan O'Reilly via unanimous decision.
Ning Guangyou wins a unanimous decision over Yang Jianping.
Wang Sai beats Danny Mitchell by unanimous decision.
Alberto Mina defeats Shinsho Anzai with a first round TKO.
Yuta Sasaki submitted Roland Delorme with a rear naked choke in Round 1.
Colby Covington forced Wang Anying to submit to strikes in Round 1.
Royston Wee beat Yao Zhikui via split decision. Milana Dudieva beat Elizabeth Phillips by split decision.
Follow Elias on Twitter @EliasCepeda & @YahooCagewriter
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"I know I won't fight forever,"he said.
"I'm focused on my gym's business now. It's a beautiful work, we have 9,000 students, 32 gyms...I plan to end my career by the end of the next year, I believe. One more year. It's until the point my body can handle."
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"Anderson, I can't wait until he comes back. He's one of my favorite fighters. And you know Nick Diaz. He's exciting, and that's the fight Nick wanted. That's the fight the fans wanted to see. So we did it."
Fair enough. We're there with ya, Dana.
"Anderson's ranked No. 1 in the world right now at 185," White continued, unbelievably, in reference to the UFC's official, but dubious and self-serving rankings.


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Publications : Browse
Browse PATH publications
Subject: Health technologies > Vaccine delivery
- Advancing Vaccine Formulations of Importance to Developing Countries Using New and Existing Adjuvant Technologies
The positive impact of adjuvants on vaccination can be functional and practical. A handful of adjuvants are currently licensed for human vaccination, and a number of new adjuvants have reached advanced development stages. However, access to these and other adjuvants is limited. Presented at the 2012 Conference on Modern Vaccines Adjuvants and Delivery Systems, this poster outlines PATH's work to expand access to proprietary and non-proprietary adjuvants as well as relevant formulations technologies to facilitate their successful exploration and use by product development partnerships and developing-country vaccine manufacturers.
Author: Blum J, Chen D, Cummings R
Publication date: June 2012
Region: Global
- Building Next-Generation Vaccine Supply Systems: Supply Chain Modeling and Optimization
This fact sheet describes how project Optimize and our partners, Agence de Médecine Préventive, United Nations Children's Fund, and the Vaccine Modeling Initiative at University of Pittsburgh, are working with countries to model the impact of changes to vaccine logistics and supply systems on vaccine availability, using a powerful new modeling tool called HERMES.
Publication date: May 2012
Region: Global
- Global Vaccine Action Plan: 2011-2020
The Global Vaccine Action Plan (GVAP)—endorsed by the 194 Member States of the World Health Assembly in May 2012—is a roadmap to prevent millions of deaths by 2020 through more equitable access to vaccines for people in all communities. The GVAP aims to strengthen routine immunization, introduce new and improved vaccines, and advance research and development for the next generation of vaccines and technologies.
Author: Decade of Vaccines Collaboration
Publication date: May 2012
Region: Global
- Vaccine Stabilization
Part of the Technology Updates series, this fact sheet describes PATH's work on vaccine stabilization, including the development of a method to protect vaccines containing an aluminum adjuvant from freeze damage, the identification of a technology to improve the heat stability of certain vaccines, and the improvement of vaccine stability through reformulation involving glass-forming sugars plus other excipients and processing via spray drying.
Publication date: May 2012
Region: Global
Part of series: Technology Updates
- Innovating to Improve Health: PATH Develops and Delivers Novel Solutions for Those Who Need Them Most
This fact sheet provides an overview of PATH's work to develop and deliver innovative health solutions for those who need them most. These solutions range from developing and introducing affordable, appropriate technologies to creating conditions that lead to widespread use of proven methods.
Publication date: April 2012
Region: Global
- Software for National-Level Vaccine Cold Chain Equipment Management
In collaboration with experts from the World Health Organization (WHO), UNICEF, the Clinton Health Access Initiative, the University of Washington, and the national immunization programs of Uganda, Kenya, and Malawi, PATH developed the Cold Chain Equipment Manager (CCEM)—an inventory and planning tool that utilizes Microsoft Access–based software and analytic tools to help with data collection and analysis. Planning algorithms, data visualization, system modeling, and report-generation by CCEM adhere to national immunization policies and WHO/UNICEF standards. This poster, first presented in March 2012 at the Fifth Annual International Conference on Information Communication Technologies and Development, outlines the role and potential positive impact of the CCEM in lead up to the introduction of new pneumococcal and rotavirus vaccines.
Author: Anderson R, Lloyd J, Newland S
Publication date: March 2012
Region: Global
- Vaccines in Fast-Dissolving Tablets: Novel Product Format to Ensure Vaccine Effectiveness, Affordability, and Ease of Use
This fact sheet provides an overview of PATH's work in developing fast-dissolving tablet vaccine formulations manufactured using a standard lyophilization process. The tablets are packaged in unit-dose blisters, offering an inexpensive, scalable, and easy-to-use presentation for live attenuated vaccines containing single or multiple bacterial strains. Further, the stackable design may minimize product volume and thus the space required for storage and transport, resulting in significant savings for health systems and cold chains.
Publication date: March 2012
Region: Global
- Cold Chain Equipment Manager (CCEM)
The Cold Chain Equipment Manager (CCEM) is a Microsoft Access–based software tool. It is accompanied by a user manual, data collection questionnaires, a surveyor's guide to these questionnaires, and an equipment identification guide. CCEM also comes with practice files, providing new users with practice data to demonstrate how CCEM will analyze cold chain equipment data and facilitate multiyear equipment planning. CCEM version 2.1 is available for download (see below) or, to request a copy on CD, email firstname.lastname@example.com.
Publication date: January 2012
Region: Global
- Vaccine Regional Distribution Center Cost Assessment
Project Optimize, a collaboration between the World Health Organization and PATH, assessed the cost implications of leveraging a regional distribution center for the international transportation of vaccines. This report outlines the economic issues that need to be addressed for such a solution to be acceptable to country decision-makers, vaccine manufacturers, and private-sector warehouse and distribution companies.
Publication date: December 2011
Region: Global
- Outsourcing the Vaccine Supply Chain and Logistics System to the Private Sector: The Western Cape Experience in South Africa
Facilitated by project Optimize, a World Health Organization and PATH collaboration, this review was conducted in the Western Cape of South Africa whereby the Biovac Institute (a third-party, private-sector company) took over the roles of vaccine procurement, warehouse management, inventory management, and vaccine distribution directly to health centers.
Author: Lydon P
Publication date: October 2011
Region: Africa
- An Assessment of Vaccine Supply Chain and Logistics Systems in Thailand
Health Systems Research Institute, in partnership with project Optimize, a PATH and World Health Organization collaboration, commissioned a study led by the Faculty of Pharmacy, Mahidol University, to better understand the vaccine supply chain system in Thailand and the challenges of implementing a streamlined vendor-managed inventory system.
Publication date: September 2011
Region: Asia
- Assessment of a Remote Alarm System for Vaccine Storage in Albania
Between March and December 2010 this project Optimize study assessed the marginal managerial advantages of using a global system for mobile communications/short message service messaging to transmit the temperature data in 24 health centers of the district of Shkodra, Albania.
Publication date: July 2011
Region: Global
- Developing a Vision for Immunization Supply Systems in 2020: Landscape Analysis Summaries
Facilitated by project Optimize and conducted by a multidisciplinary group of partners, these landscape analyses highlight ongoing work related to five priority areas that comprise the vision for immunization supply systems in 2020. The analyses also highlight critical gaps that need to be addressed to achieve the vision. The five priority areas are vaccine and related products, supply system design, environmental impact, information systems, and human resources. The document is available as one large file or as six smaller files for easier downloading.
Publication date: June 2011
Region: Global
- Directions in Global Health (Volume 8, Issue 1)
This issue of Directions in Global Health features PATH's work related to vaccines and immunization. Articles cover the development and introduction of a vaccine to eliminate epidemic meningitis in Africa, use of vaccines and other interventions to prevent cervical cancer, transformation of vaccine distribution systems, expansion of access to rotavirus vaccines, and advancements in vaccine technologies.
Publication date: May 2011
Region: Global
Part of series: Directions in Global Health
- Assessment of the Vaccine Supply Chain for Fee-Based Immunization in Hanoi Capital and Ho Chi Minh City
The objective of this project Optimize assessment was to understand the structure, scope, and quality of the vaccine supply chain for fee-based immunization services and to provide recommendations for strengthening management and monitoring the quality of the vaccine supply chain for fee-based immunization.
Publication date: April 2011
Region: Asia
- Exploring the Role of the US Government in a Future Advance Market Commitment: Recommendations for Policymakers
This fact sheet from the Global Health Technologies Coalition provides specific recommendations to US policymakers about the role and engagement of the US government in a future advance market commitment.
Publication date: March 2011
Region: North America and Europe
- The Transformative Power of Global Health Research: Leadership in Innovation Saves Lives and Provides Economic Benefits to the US
This fact sheet from the Global Health Technologies Coalition examines how US leadership in global health research helps to saves lives worldwide and provides domestic economic benefits.
Publication date: March 2011
Region: North America and Europe
- Vaccine Vial Monitors: FAQs
Vaccine vial monitors (VVMs) are small stickers that adhere to vaccine vials and change color as the vaccine is exposed to heat, letting health workers know whether the vaccine can be safely used for immunization. This fact sheet answers the most frequently asked questions regarding VVMs.
Publication date: January 2011
Region: Global
- Evaluating HPV Vaccine Delivery Strategies in Vietnam
This report is a synthesis of the project Evaluating HPV Vaccine Delivery Strategies in Vietnam, which aimed to identify appropriate strategies for human papillomavirus (HPV) vaccine delivery in different geographic and socioeconomic conditions. The report summarizes results of both the implementation and research aspects of the project. The document is available as one large file or as four smaller files for easier downloading.
Publication date: December 2010
Region: Asia
- Collaborating With Countries to Improve Supply Chains
Project Optimize—a collaboration between the World Health Organization and PATH—aims to employ technological and scientific advances in the immunization field. This document describes efforts to define ideal specifications for health products and create a flexible and robust vaccine supply chain that can handle an increasingly large and costly portfolio of vaccines.
Publication date: November 2010
Region: Global


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President Obama landed in Kabul, Afghanistan today for a surprise trip to sign a strategic partnership agreement with Afghanistan. The agreement, completed after months of negotiations, will pledge American aid to Afghanistan for 10 years after the withdrawal of U.S. forces and marks a symbolic beginning of the end for the U.S.'s war in Afghanistan. Obama met with Afghan President Hamid Karzai and will make a live televised address at 7:30 PM ET.
Obama Makes Surprise Trip To Kabul
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It's often been said that dogs are man's best friends. Dogs can be great company on the trail, too.
A free mobile app is being developed for visitors to Ohio's Cuyahoga Valley National Park.
President Lyndon B.
Death Valley National Park's "sailing stones" have mystified scientists for decades.
Rocky Mountain National Park will be honoring the 100th anniversary of the park's protection for the next year, through Sept. 4, 2015.
Stanton was sworn in as the first African-American director of the NPS in 1997, but his path to that lofty perch was not an easy one.
The report, which was published in late July, determines that up to one-quarter of the total land area of national parks is vulnerable
"Time-lapse" photography is the term used for shooting events at a much lower frame rate than will be used when the sequence is played back.
A California condor chick has hatched in the upper reaches of Utah's Zion National Park. The chick was spotted on June 25 at the edge of its nest about 1,000 feet above the canyon.
Just as you rely on wild places to rejuvenate and restore you, those places rely on you to keep them in good condition.
Tweets about "@wilderness"
Tell congress it's time to stop sitting on more than two dozen wilderness bills.


text:
David Hockney.
By Cecil Beaton.
David Hockney.
By Cecil Beaton.
Punky Brewster taught us that feet are made for flossing the inimitable, unmatchable quintessence of you-ness. In that spirit, we present you with three colorways of the Ace Hotel x Generic Surplus Borstal Shoe by Steven Harrington (long ass name), meant for mixing and matching as summer lulls into its balmy dusk. Now up on our shop.
Your Morning Shot: Keith Haring
"Nothing is important… so everything is important."
"Nothing is important… so everything is important."
Steven Harrington painted this awesome mural at Ace Hotel & Swim Club during Desert Gold 2012 and he got black paint all up in his custom Generic Man x Ace Hotel x Steve Borstal Shoes. That's cool. If you want some, snatch up one of the few remaining limited edition pairs on our shop.
Steven Harrington invented a pictorial language of symbols and runes for his collaborative capsule collection with Ace Hotel and Generic Surplus for this year's Desert Gold: Roadside Attraction pop-up shop. Steven has constructed his vision of a roadside desert pit stop — a place evocative of the odd wonders that dot the blacktop in the wide open spaces, filled with original art and desert-celebratory wares.
The Teepee Tee, California Tee and Long-Sleeve Shirt, Painted Rock Tee, Iconography Tank, Harrington Bandana and Harrington Towel are available now on our online shop. The Borstal Shoe Collection is available for pre-order and available for shipping in early May.
Steven Harrington is painting a ginormous mural on the side of the Commune for Desert Gold 2012. Steven's also taking a break from his pop-up shop with Generic Surplus, Roadside Attraction, to guest DJ Saturday night in the Amigo Room with Stronghold.
There's still a handful of rooms available, but they're going fast. See the full line-up and book a room.
Photo from Generic Surplus
Welcome all ye wanderers and weirdos — Desert Gold lives again. This year, our pal Steve Harrington is putting together a pop-up shop in the Clubhouse that pays homage to road trips, curiosity shops and the forgotten places tucked along the long black river where all the magic happens. He's also creating a gigantic mural on the side of the Commune and launching a capsule collection inspired by his chalk drawings scattered through the Joshua Tree desert, including a shoe in collaboration with Ace and Generic Surplus exclusively for the event, so if you show up with only a walking stick and a crazed look in your eye, we can at least outfit you with some kicks.
Stay tuned for more interviews with performers as well as our very special 2012 artists in residence.
We had a party for Independence Day with Generic Surplus at Ace Palm Springs. DJs Thomas Bullock, Nitedog, Eug, and Victor Rodriguez spun through the weekend, and we barbequed by the pool. Here are some shots and video from the festivities.
Photos and video by Kevin Carney
You're invited to to Ace Palm Springs for Generic America Weekend, our Independence Day party with Generic Surplus. We kick off Friday night in the Amigo Bar and go late, then party through Monday, July 5, which you probably have off from work. On the 4th we're grilling at the Commune Pool. DJs Nitedog (Blackdisco) and Eug (Public Release/Face, SF) provide the tunes for the weekend, with a live performance by Adele Jacques and Disco Fromage, and special guest musical selectors we'll tell you about later.
See more about special rates on Facebook.
As you may remember, we released these Ace x Generic Surplus pool shoes in new colorways, and a handy pool bag, earlier this year.
We collaborated with Generic Surplus and Arkitip last year to create Ace-exclusive shoes perfect for the poolside and for walks in the desert. This spring, we're re-introducing these very coveted kicks in new colorways, and with all the same great elements as the original. The classic low-top laced plimsoll silhouette has been re-imagined with a mesh upper made of quick-drying canvas that keeps your feet cool and dry. The vulcanized non-slip sole is perfect for poolside cocktail mingling on a Sunday afternoon.Check them out early (they're due out April 15) and reserve a pair with Arkitip. Keep them at the ready for your first foray into the sun this year at Ace Palm Springs.


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LOS ANGELES - Alexander Frolov scored in the fifth round of a shootout, Jarret Stoll had a power-play goal in his 300th NHL game and the Los Angeles Kings beat the Dallas Stars 3-2 on Tuesday night.
Dustin Brown also scored and Kings backup Erik Ersberg made 17 saves in the opener of a home-and-home set that concludes Thursday night at Dallas.
Stars right-wing Jere Lehtinen scored in his season debut after missing the first 14 games because of a groin injury. Mike Modano had his 533rd career goal after going six games without a goal or an assist.
Brown, who led the NHL last season with 311 hits, administered the check of the game with about 12 minutes left in the second period. He lined up Stephane Robidas perfectly and sent him head-over-heels into the Kings' bench as the crowd of 13,823 roared its approval.
But the Kings captain went too far with a minute left in regulation. Brown received a five-minute boarding penalty and a game misconduct for checking Mike Ribeiro into the boards after the Dallas centre took a slapslot from the right point that left him off balance on the follow-through.
Ribeiro received a cut on his head and teammate Brenden Morrow initiated a fight with Brown that resulted in an instigator penalty and a game misconduct for Morrow. Ersberg stopped all three shots during the ensuing three-minute power play.
Ribeiro scored on the Stars' third shot of the tiebreaker to tie it at one apiece, but Frolov came straight in on Marty Turco and put it through the pads. Ersberg stopped Modano at the other end to give the Kings their third straight victory.
The Kings took a 2-1 lead at 16:46 of the first period after Krys Barch coughed up the puck to Brown in the Dallas zone. Anze Kopitar's slap shot from the slot knocked defenceman Sergei Zubov's stick out of his hands and the puck caromed to Brown, whose wrist shot from the left circle banked into the net off Turco's left leg pad while the goalie was still on his knees.
Dallas got the equalizer at 9:46 of the second on a sharp-angle shot from the right circle by Modano with Ersberg out of position. Modano has 37 goals and 84 points in 82 career games against the Kings.
Just 17 seconds after a bench minor was called against the Stars for having too many men on the ice in the first, Modano was sent off for tripping Brown. Stoll scored 10 seconds later on a one-timer from the right circle that deflected off Steve Ott and past Turco's glove. It was his first goal in 17 career games against Dallas.
The Stars tied it at 14:17 of the opening period. Ott fanned on Brad Richards' short pass from behind the net, but Lehtinen was trailing the play and one-timed it past Ersberg from the left circle. Lehtinen had his first full practice on Monday, and coach Dave Tippett decided he was healthy enough to play after watching him go through the morning skate.
Notes: Sean Avery, who spent parts of four seasons with the Kings and had 99 points in 218 games, played against them for the first time since signing with Dallas as a free agent in July. . The Stars were 12-2-2 against the Kings over the previous two seasons, including an eight-game sweep in 2006-07. . Dallas was 0-for-4 on the power play and is 2-for-24 over the last five games. . The Kings were 3-2-2 on their longest homestand of the season. . The only team Modano has more points against is the Phoenix/Winnipeg franchise (88)


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Wake County schools are on the lookout for educators.
The school system held a job fair on Saturday to try and fill the void after hundreds of teachers quit and salaries hit a plateau.
Hundreds of applicants filled the gym at Panther Creek High. The turnout today might surprise some; it's been a tough year for the largest school system in the state.
Last month, officials said 600 teachers quit this school year. One reason for the exodus, North Carolina is 46th in the nation when it comes to teacher pay. But applicants like Sara Snider didn't let the district's past affect the future.
"It's not fair to completely write off the schools and the school system because those kids still need a good education," said Snider.
The school board recently approved a nearly $1.4 billion budget for the coming school year. A total of $35 million of that will go to raises for teachers and staff.
"That's what's bringing a lot of people in today but they really need to take care of the teachers that they have," said Snider. "They've had teachers who've been there for 10 years and haven't gotten a raise and that's not okay."
The school board has also signed off on a $1,500 salary boost for qualified special education teachers and a $1,000 incentive for qualified teachers in math, science, health occupations and family and consumer science. Organizers said this job fair is all about promoting the success and support of the schools.
"While it may not be financial right now, what we are trying to do is make sure that they understand the learning environment they will be in is going to promote their career and allow them to be successful," said Assistant Superintendent for Human Resources, Doug Thilman.
Some schools hired teachers at the job fair, while others may not hear for a few weeks if they will have a place in the Wake County school system.
Shumuriel, a North Carolina native, is thrilled to be back in the Tar Heel state as a general assignment reporter for WNCN. More>>
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Beginning of year events :
- School begins Tuesday September 4th at 8.20.
- 8.30 Friday September 7th: PTA meeting, all welcome
- 18.30 Tuesday September 11th: Welcome Evening for new and returning parents.
- Tuesday September 11th-Friday September 14th: Grades 9-10 geography field trip to the Cévennes area of France
- Saturday September 15th: back to school Pot Luck picnic/barbecue for all
- Wednesday October 10th-Friday October 12th: Grade 6-8 trip to Turin, Italy.


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New York • The New York Knicks are heading to Boston, then perhaps finally back to the second round.
The once-mighty Celtics don't seem capable of stopping them.
Carmelo Anthony scored 34 points, Sixth Man of the Year J.R. Smith added 19, and New York opened a 2-0 lead over Boston with another dominant second half in an 87-71 victory on Tuesday night.
Raymond Felton added 16 points for the Knicks, who used a 27-4 run spanning halftime to blow it open and move halfway to their first series victory since the 2000 Eastern Conference semifinals. This is their first 2-0 lead since sweeping Toronto in the first round that year.
"For us, we know what type of team we are," Anthony said. "We know when we really buckle down on the defensive end, it's been hard for teams."
It's been difficult for Boston.
Paul Pierce scored 18 points for the Celtics, who will host Game 3 on Friday in their first home game since the Boston Marathon bombings.
They will have to be much sharper to avoid their first opening-round elimination since 2005, before they became one of the NBA's power teams again.
"We have to figure out the offensive side of the ball and not be so stagnated," Boston's Kevin Garnett said. "Figure out ways to score more often."
Garnett had 12 points and 11 rebounds, but battled foul trouble and spent too much time walking back to the bench with a raucous Madison Square Garden crowd finally experiencing playoff success again hounding him every step of the way.
Plagued by turnovers in Game 1, when they managed eight points in the decisive fourth quarter, the Celtics watched it all fall apart 12 minutes earlier this time. They managed only 23 points after halftime, two fewer than in their 85-78 loss Saturday.
"I thought we attacked them in the first half, but they hung in there," Celtics coach Doc Rivers said. "They didn't let us throw a knockout punch, and I thought in the second half they turned that on us and they threw a knockout punch. Several."
Anthony followed his 36-point opener by making 8 of 13 shots in the second half to finish 11 of 24 for the game.
He had said the Knicks needed to treat the game as a "must-win," aware of the difficulty of winning in Boston on Friday with the emotional boost the Celtics will get from finally being home.
They showed that mentality after halftime, outscoring Boston 32-11 in the third quarter.
"I think guys know what's at stake. We don't have to talk about it," veteran forward Kenyon Martin said. "Guys know what it's about right now, and it's about winning a championship."
Iman Shumpert drilled two 3-pointers to open the third and tie it before Pierce scored to give Boston its last lead at 50-48. The Knicks scored 18 of the next 20 points, with the Celtics getting just two free throws from Jeff Green over the next 5-plus minutes. Anthony's jumper with 4:25 remaining in the third capped the run before Garnett finally gave Boston its second basket of the quarter 10 seconds later
The Celtics missed 10 of their first 11 shots of the third while getting outscored 24-4 to open the period.
"I thought in that third quarter we were as good as we've been all year in terms of ball movement and pushing it and making shots," Knicks coach Mike Woodson said.
The Celtics vowed to get Garnett more involved after he shot 4 of 12 while scoring eight points in the opener. But that plan was quickly wrecked when he picked up two fouls in the first 3 minutes, 20 seconds. The Celtics shook it off and led 20-15 when Jason Terry made a 3-pointer with 1:57 left for his first basket of the series.
But the Knicks scored 11 straight to end the period.
Knicks 87, Celtics 71
R Carmelo Anthony scores 34 points and J.R. Smith puts up 19 as New York routs Boston.


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Published on July 25th, 2013 | by Renate Solberg0
Renate's BioShock Adventures: As above, so below
In between now and actually writing the previous bit about my BioShock adventures, I've had a slight hiatus. Months, to be honest. What happened was twofold: 1) The first generation Xbox 360 was so loud and unstable that I couldn't take it anymore, and 2) Mass Effect came into my life.
My thought was that perhaps a third person action game could sort of ease me into the first person shooter genre. So I picked up Mass Effect, and hey, where did my life go? Through the Omega-4 Relay never to be seen again, that's where. I played through all three games on PC in record time (when you're me), then I spent some time being shellshocked about, well, everything, but that's another post for another day. As for 1), the geriatric Xbox, that problem was solved by simply getting a new one.
So the stage is set: I'm slightly better at aiming (albeit mostly on PC) and I have a new Xbox 360 that doesn't sound like it is trying to take off for outer space.
This is where BioShock Infinite enters. I was backseat gaming it for a while, until one day I decided to take the wheel myself. Thankfully, I was on my Easter holiday. Easter holiday is when most Norwegians go skiing and eat oranges. I skylined my way through Columbia and ate hot dogs out of garbage cans. Now, much can be said about BioShock Infinite, and I have plenty to say about it, but that will have to wait. Suffice it to say that after the initial shock the ending gave me, I was ready and excited to get back to Rapture.
I had to replay the first bit because moving saves between Xbox Live accounts is a bit of a hassle, but as we all know I hadn't gotten very far, so not much time was lost. Also this time around I blazed through it, because after the last battle of Columbia, I ain't that scared. You don't even KNOW the things I've seen and done, man. Or maybe you do if you've also played Infinite, whatever.
Now to come clean: I've played quite a few hours of BioShock that I forgot to write about. So I'll try and quickly recap what I can remember and then get back to actually playing the game soon!
Medical Pavilion. Emergency Access. I was at one point attacked by a gang of splicers, which would at an earlier time have made me tableflip and turn off the game, but now? No problem! Even the one that kind of came sneaking up behind me (still don't know where she came from, underwater aliens?) didn't ruin my calm. Unless you call the occasional button mashing "ruined calm". I don't. I'm a leaf on the wind (name the referenced TV show and get awesome points). A button mashing leaf that sometimes shouts obscenities at the TV.
Now, my memory is a bit fuzzy about the next parts, so here's what I do remember, summed up in neat bullet points:
- Crazy surgeon. He had to die. No regrets.
- Incinerate plasmid. My enemies will burn like the heathen kings of old. Whale worshipping heathens.
- Little Sister x2. Saved because I am just that nice.
- Took down a Big Daddy, which means that I can't be that bad at aiming any longer, right? Right? RIGHT??
- Done some photography, like the Rapture tourist that I am.
- Tonics, tonics everywhere!
- Houdini Splicer, I hate you.
- I lost my way in the Arcadia area, walking around tunnels of some sort? Found my way out eventually.
- Hey there, tree lady!
- Bye then, tree lady. :/
- I was distracted by something and didn't quite get all that stuff about the Lazarus Vector and what I'm supposed to do about it, oops.
And now we're caught up! Next time we're off to Farmer's Market, in hopes of snagging some blueberry muffins and hopefully figure out this whole Lazarus Vector thing.


text: Sun Hong Partner vCard (+Outlook) Shanghai T:+86 21 6137 7020 F:+86 21 6137 7088 Email: Related services Banking and finance Business ethics and anti-corruption Corporate, M&A and securities Regulation and investigations Key industry sectors Financial institutions Sun Hong is a corporate partner based in Shanghai. She focuses on corporate matters, covering foreign direct investment, mergers and acquisitions, joint ventures and corporate transactions involving PRC assets or entities. Sun has got extensive experience in assisting multinationals doing different types of transactions in different industries in China.Sun is very familiar with the regulatory regime of China through her post qualification legal practice in both government bodies and domestic and international law firms. She has advised multinationals on a wide range of regulatory and compliance issues in China, conducted internal investigations, delivered trainings and provided tailored and strategic advice to clients covering a variety of industry sectors. Sun has in-depth insight into the legal system of China and the compliance risks encountered by multinationals doing business in China, which makes her well positioned to advise clients on practical solutions to address compliance risks and to deal with difficult issues when arisen.Sun qualified in the PRC in 1999 and was admitted to the All China Lawyers Association in 2001. From 1997 to 2001 she worked in the Legislative Affairs Office of Dalian Municipal Government. In 2003 and 2004, she received training in the United Kingdom and Hong Kong under the Lord Chancellor's training scheme.Before joining the Shanghai office in June 2006, she was a partner in a PRC local law firm, where she specialised in corporate transactions and dispute resolution. [+Open all] Events 2014 Global regulation and investigations engagement forum in AsiaMultinational businesses are increasingly at risk of investigations by regulatory bodies in many parts of the world.. February 17, 20142014 Global regulation & investigations engagement forum in AsiaMultinational businesses are increasingly at risk of investigations by regulatory bodies in many parts of the world.. February 17, 2014 All related events Videos The current PRC government anti-corruption focus on the energy industry has led to concerns that an investigation by Chinese authorities into the activities of a... Feeling the heat: How energy companies should prepare for anti-corruption investigations in China - North America/Europe January 9, 2014The current PRC government anti-corruption focus on Life Science companies has left many in the industry facing complex questions. The China syndrome: Prepare for anti-corruption investigations in China September 24, 2013 Publications Competition law developments in East Asia - August 2014Twelve automotive component suppliers sanctioned in China for price fixing. September 04, 2014Competition law developments in East Asia - July 2014MOFCOM simple cases three months on; MOFCOM conditionally approves proposed hybrid car battery joint venture. August 05, 2014 All related publications News Norton Rose Fulbright advises Fosun International on $489 million takeover of ROC OilA cross-border team from Norton Rose Fulbright has advised Fosun International Limited on the $489 million takeover of ASX listed ROC Oi. August 13, 2014INTdirector - Sun Hong and Ronan DiotSun Hong and Ronan Diot have written an article on anti-corruption in China. November 19, 2013 All related news


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When it debuted Aug. 22 and 23, 1987, the festival was able to raise $11,862 for local nonprofit groups and attract between 15,000 and 18,000 people.
You could find Portuguese bean soup, Japanese bean candy made from a lima bean paste and bean chips made from black-eye beans, corn and rice.
Tracy Press publisher emeritus Sam Matthews spent hours manning a booth for a bean battle among the Portuguese bean soup, baby lima beans con queso and garbanzos. (The garbanzos ran a solid third.)
Three Tracy residents took the top three spots on the bean cook-off, with the Rainbow Girls No. 32 Assembly passing out cups of beans for people to taste. The Boy Scouts Troop 515, service clubs and even clubs from all the local schools were out either raising money or volunteering for the first Tracy Dry Bean Festival.
The event has lost some of that hometown appeal through the years as vendors from all over the state have flocked to our streets to sell their wares. The Tracy Chamber of Commerce president, Sofia Valenzuela, acknowledges she has had people tell her the festival is now more commercial than in years past. The chamber says it wants to "recapture that and have it feel more like a community festival."
We support the chamber's efforts. It's important the Tracy Dry Bean Festival be a celebration of those things that make Tracy a special place to live and do business. It's vital to highlight local chefs, growers and artisans. Tracy has a long multicultural history that is worth celebrating every year.
The chamber says it intends to invite school groups back to the festival, to increase the profile of the farmers market and to do a better job marketing to local vendors and craftsmen and women. These are all good ideas to put the "Tracy" back into the Tracy Dry Bean Festival.


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7 Ways to Reach Your Financial Goals
Once you've exceeded your budget, it's easy for your spending to spiral out of control. Follow these simple tips to get your finances back on track.
A Slippery Slope
This article originally appeared on LearnVest.com.
I recently fell off my budget—or, rather, got pushed off by a large, unexpected expense at the dentist's office.
I negotiated a payment plan so I wouldn't have to pay more than $1,000 all in one go, but that night, as I was walking home, I became really irritated about the payments I'd have to make for the next few months.
Then, I saw—and was lured into—one of my favorite New York City institutions, the Strand bookstore, whose memorable tagline is "18 Miles of Books."
That's 18 miles of used books. Used books are cheap, right? Cheap.
That's what I told myself as I proceeded to walk out with $75 worth of new reading material.
As I walked home, I thought, "I'm so far down the hole already anyway, what's another $75?"
It turns out that this is a common way of thinking—about budgets, diets ("I already gorged on that cake last night, so what's a little cookie?"), exercise ("I already missed two workouts, who cares if I miss a third?") and more. But a few easy tricks can lift anyone out of a damaging downward spiral.
First, let's figure out why so many of us fall prey to downward spirals in the first place.
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Know Your Cabbages! Green, Red, Savoy, Napa, and More
We have to admit that unless a recipe calls for something specific, we don't often venture beyond our regular head of green cabbage. But all those other frilly and deeply-colored leaves are mighty intriguing. We'd like to know more! What cabbages do you like to cook with?
Green Cabbage - The king of cabbages and our old friend! The wide fan-like leaves are pale green in color and with a slightly rubbery texture when raw. Pick heads that are tight and feel heavy for their size. The outer few layers are usually wilted and should be discarded before preparing.
Sliced thinly, green cabbage can be eaten raw or it can go into stir-fries, soups, and braises. The whole leaves can also be used to make cabbage rolls. Raw leaves are somewhat peppery in flavor, but the cabbage gets sweeter as it cooks.
Red Cabbage - Similar to green cabbage, but with dark reddish-purple leaves. We think the flavor is a little deeper and earthier. Pick heads that are tight and heavy for their size, and slice it thinly for any preparation. We love it's color in coleslaw and leafy green salad mixes.
Napa Cabbage - Also called Chinese cabbage, this oblong-shaped cabbage has thick, crisp stems and frilly yellow-green leaves. We think its flavor is sweeter and softer than green cabbage, and we really love eating it raw in salads and using it in the filling for dumplings. Avoid napa cabbages with limp stems or wilted leaves.
Savoy Cabbage - This is the prettiest cabbage in the bunch, we think! They're shaped like green cabbages, but the leaves are deep green and deeply crinkled. Their flavor is mild and earhty, and the leaves are tender even when raw. Heads should be compact and tight, but will have a little more give to them because of the wrinkled leaves. We really like savoy cabbage sliced thinly in soups and stir-fries.
Bok Choy - Bok choy stems are white and watery-crisp, while the leaves are deep green and very tender. The flavor of bok choy reminds us of baby spinach or swiss chard, and we love it in stir-fries, brothy soups, and steamed mixed vegetable dishes.
Choy Sum - We're including this one just because we've seen it a lot at our regular grocery store. It's labeled "Chinese Cabbage" but it's definitely different from the Napa/Chinese Cabbage mentioned above, and after a bit of research, we think it's actually choy sum. It looks similar to bok choy, but longer and slimmer. The leaves are tender enough to eat in a salad while the stems are crisp and watery. We've been liking it in chinese-influenced salads with oranges and Five-Spiced vinaigrette. It also works great in quick noodle soups and stir-fries.
Have a favorite cabbage recipe?
Related: Quick Meal Technique: How to Stir Fry
(Images: Flickr members jessicareeder, Itinerant Tightwad, FotoosVanRobin, gruntzooki, and The Marmot licensed under Creative Commons and Katherine Hill)
8 Comments
huh? That last image doesn't look like choy sum to me. It looks like a different variety of bok choy. Choy sum usually has thinner green stalks, not white. Um, like on this page:
Savoy cabbage is my favorite. I use Orangette's Savoy Cabbage Gratin recipe frequently but I can never stop myself from snitching little (or even big) pieces from the pan while I'm browning it when all it has is butter and salt on it.
I love cabbage and 10 years ago I would never have believed I'd say such a thing.
I love savoy cabbage too, but I can't find it often enough. I usually have to sub green cabbage for the Savoy Cabbage Gratin and another savoy cabbage recipe I have and they're still pretty delicious.
The bok choy should be baby bok choy and the choy sum should be bok choy.
I like a spring pointed cabbage which arrives in the shops late winter. It's delicious shredded and added to a shepherd's pie. Shredded cabbage stir fried with carrot and bacon with a generous slosh of soy sauce and served with rice is also rather yummy.
both recipes come from the very good Abel & Cole Cookbook.
I dunno. The first one looks like shanghai bok choy to me.
I discovered savoy cabbage last year while living in Germany where cabbage is King! Savoy (wirsing in german) is definitely my favorite type of cabbage. I had so many interesting german dishes with it last year -- savoy and garlic soup, savoy with mini beef meatballs, half-sour savoy (precursor to sauerkraut), and much more. However, it's pretty hard to find, even in foodie-friendly San Francisco, which is unfortunate
Screw cooking red cabbage... am I the only one who eats it raw??
I'm intrigued by the asian cabbage varieties. I never use them, but I'd like to get some from the market this season and try them out.


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Dee DeQuattro
"The FBI is now investigating it as an act of terror," said President Obama when addressing the nation about the Boston bombings shortly before noon. "Any time a bomb is used to target innocent civilians it is an act of terrorism."
Obama went on to say the bombings near the finish line of the marathon yesterday was a "heinous and cowardly act."
He praised the American people for their response to the tragic incident, noting that American's respond to acts of terrorism "selflessly, compassionately, and unafraid.
He ordered flags on Federal buildings across the country to fly at half-staff until sunset on April 20. Rhode Island Governor Lincoln Chafee issued a similar order for Rhode Island around noon on Tuesday.
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Avery Johnson is in continued discussions with the Hawks about their vacant coaching position as at least one and maybe two other jobs he's interested in are out of play.
The Philadelphia 76ers hired Doug Collins today after Johnson had been one of several candidates to interview for the job. And the Hornets reportedly have moved on in their search after Johnson lobbied for dual front-office/coaching position for his hometown team, according to a person familiar with the situation.
Representatives for Johnson said they've continued to talk with the Hawks after Johnson met with the team on Monday. However, a person with knowledge of the Hawks' search said today that the team has not narrowed its field of candidates.
The Hawks still are set to meet with Dallas assistant and former Timberwolves coach Dwane Casey this weekend in Chicago. They've also conducted a phone interview with Portland assistant Dean Demopoulos.
Johnson also reportedly will meet with the New Jersey Nets about their coaching position. If he's still is looking for front-office power, he's not likely to get it in either New Jersey or Atlanta.
Hawks general manager Rick Sund owns full personnel power with the Hawks, including the ability to hire and fire coaches. Though Sund said he often consults with the ownership group, co-owner Michael Gearon Jr. said owners leave decisions up to Sund.
In New Jersey, new Nets owner Mikhail Prokhorov announced general manager Kiki Vandeweghe will not be retained and that team president Rod Thorn would take over his duties. Thorn has been Nets president since 2000.
Meanwhile, the Hornets apparently no longer are considering Johnson. Boston assistant Tom Thibodeau and Portland assistant Monty Williams will get second interviews for the New Orleans Hornets' head-coaching job, according to a Yahoo! Sports report.
May 21st, 2010
6:40 pm
Bring em home Sund!
May 21st, 2010
6:43 pm
I don't see what the fascination is with Johnson. He was given a juggernaut team by Nelson and I think he just rode their coat tails……
May 21st, 2010
6:43 pm
May 21st, 2010
6:44 pm
May 21st, 2010
6:49 pm
If Teague is going to be a starter next year, I'd feel a lot better with Avery or Mark Jackson coaching him…just sayin.
May 21st, 2010
6:50 pm
Avery took a team to the NBA Finals by beating their biggest rival (the '06 Spurs). After that, he made some questionable decisions, that I'm sure he's learned from. As for the '07 Warriors/Mavs series, I remember EVERYONE saying that was a bad matchup for the Mavs. Regardless of what a coach can control, bad matchups are bad matchups (see Hawks/Magic).
I like Avery, and think he can make the Hawks more consistent, which in turn will make them better, with or without Joe.
May 21st, 2010
6:51 pm
Bsed on Sund's reasoning to let woodson go, that he'd taken the Hwaks as far as he could, It would be hard to view Casey as an upgrade over Woody.
May 21st, 2010
6:52 pm
damn, I can't even spell Hawks..
May 21st, 2010
6:57 pm
Nside, Avery was a championship point guard. I think he would be a good fit for Teague too. I just think that he is just as much of an unknown as everyone else. I will say that he got the Mavs to play defense.
May 21st, 2010
7:03 pm
the #1 reason to hire Avery. his voice. even Josh wouldn't want to sit next to him and hear that for 5 mins.no more jumpers Josh.with a true motion offense all you need to do is slash.
May 21st, 2010
7:07 pm
Marc Stein from ESPN said we met with Avery today for the 2nd time this week. Good sign. Not that I want this guy, but you all think he'd want to sign Josh Howard?
May 21st, 2010
7:13 pm
Mark Jackson. Hand down, Man down!
May 21st, 2010
7:27 pm
May 21st, 2010
7:36 pm
Just having a huge ball watching the Atlanta Dream play basketball right now. The way they play defence, rebound and their fast break offence…
Hawks needs to take a page from their book.
And Angel? Gosh! She is sooooooo gooooood. Superstar chick!
May 21st, 2010
7:36 pm
The way they defend….
May 21st, 2010
7:39 pm
Go for 3-0, Dream!
I would pay to see them play. Love their style of basketball!
May 21st, 2010
7:45 pm
Has Dominique Wilkins ever been considered? When he and Bob called the hawks games, he knew just about all the problems hawks had. Dominique knew by how the hawks were playing if they would lose a game or win it. He knew the problems Joe Johnson and the hawks would have in the playoffs and was right on time. Dominique Wilkins would be a great assistant; I think it is about time he gets a chance if he wants it to prove himself.
May 21st, 2010
7:49 pm
Hawks! I hope y'all watching the Dream right now! With your athletic abilities, that's how you win ball games! Run the ball down their throat!
No more Iso's!
May 21st, 2010
7:53 pm
Screw D Wilkins. If he coaches the way he calls the game, then Hawks will suck big time. Steve Smith will make a better coach.
May 21st, 2010
8:02 pm
The Dream President said the Dream run all day. That's what the Hawks should do!
He also said they are fun to watch. I agree!
May 21st, 2010
8:13 pm
Love Bob's partner at the Dream game. Fell for her even before I saw her, just from her voice, and now I see her at halftime. Super cutie! Don't even know her name!
Think that's one reason I watch the WNBA. Pretty women!
How in hell did Candice fall for Shelden Williams? He must have caught her before she knew better. Shelden is a bum, while his wife is a star. Wow!
May 21st, 2010
8:25 pm
Avery has been exposed and is off the "shine list". Irriatating the TV audience is next on his viatiblity list.
May 21st, 2010
8:27 pm
No one cares about the Atlanta Dream. This is about the Atlanta HAWKS! We, the Hawks, will solve our own problems without the help of the Dream!
May 21st, 2010
8:38 pm
Avery Johnson would be the best thing for Teague. Would be nice to seem Teague turn into the next Rondo, but with a better, younger, more athletic supporting cast.
May 21st, 2010
8:45 pm
I think Teague's gonna be unique with the right coach
May 21st, 2010
8:46 pm
Teams often take on the personality of their best player and I think that was an issue for Avery in Dallas as Dirk is not a physical prescense as a player. That being said, Avery did a great job with that team. Avery is a guy who would seriously challenge both this team and organization to be better as opposed to another "yes" man. Avery's price tag may be a little higher than others, but you get what you pay for. If the Hawks want a good return on their investment, they need to invest "wisely" and not "cheaply".
May 21st, 2010
8:51 pm
Blast your face,
It would be more interesting to spar with you if you posted under your real name, or if that's your real name, then you are a newbie not worthy of my time.
Hawks sucked when it mattered the most. I don't care about Hawks right now until I see the coach they hire, and the players they get. So screw Hawks, and screw you too. The Dream are playing with more heart than the Hawks displayed in the playoffs, while showing great basketball skills, too!
Hawks had a 53 win season, but sucked in the playoffs, where it counted the most. You gonna justify that?
May 21st, 2010
9:01 pm
I am not thrilled about Avery, but I will say that if I didn't have his Mavs playoff chokes tainting my opinion of him, my opinion would probably be considerably better. He is a former point guard, with a championship as a player, who played under Popovich among others, and who for all his faults did win close to 70 games and did go to (one of the more questionably refereed) NBA Finals. He's not my first choice for Hawks coach — I'm still more impressed with what I know of Elston Turner and Tom Thibodeau, and Doc Rivers is the ideal candidate if he leaves Boston — but I'm willing to give Avery the benefit of the doubt that he learned from his mistakes rubbing people the wrong way and micromanaging them in Dallas.
May 21st, 2010
9:04 pm
nside hawkfan, are you kidding me about Mark Jackson?? That guy is a complete Jack Ass. I use to live in Indy and when he played for Indiana his attitude is the same as what u here on TV.. No thanks.. I'd rather take Avery Johnson.. I agree that Teague is our future but Mark Jackson is a joke and I think could and would discourage him with his gynormous ego!! Go Hawks..
May 21st, 2010
9:05 pm
Man for all yall that keep screaming Avery Johnson go back and look at tape. Johnson was just like Woodson decent if that he looked confused on the sidelines so many times. He's an old school coach we a coach that's gonna allow our team to run and make adjustments on defense when needed I think Avery is a good assistant coach at best!
May 21st, 2010
9:29 pm
Excruciatingly boring or terrible things I would rather watch than an Atlanta Dream game:
1 Hockey
2 Something on WE
3 The home shopping network
4 Something on the spanish channel (I dont speak a word)
5 Anything by Tyler Perry
May 21st, 2010
9:37 pm
Boiler up,
I grew up rooting for the 90's knicks and Jackson was nothing but a model citizen in my view. I think has a grasp of the game and could help Teague. By the way, I think Teague might be the fastest guy in the league. We would know more if woody gave him more than the last minute fourteen seconds of the first quarter…
May 21st, 2010
9:38 pm
my man woody, don't sleep on Univision, Sabado Gigante' is the sheeeeeeot
May 21st, 2010
9:57 pm
[...] not completely except for the fact that some of his other options are drying up. Michael Cunningham of the AJC is reporting that representatives for Johnson had continued to talk with the Hawks ever since Johnson had a face to face meeting with [...]
May 21st, 2010
10:06 pm
Avery Gets pissed lol!!!
May 21st, 2010
10:08 pm
More Angry Avery
May 21st, 2010
10:15 pm
A Fans Mavs take on Avery's firing in Dallas (WATCH THIS!! VERY INFORMATIVE!!!)
May 21st, 2010
10:21 pm
I would like to see some youtube clips of AJ blasting Smoove for taking long jumpers or screaming about Woody's iso offense.
May 21st, 2010
10:35 pm
Think BIGGER, Hawks!
May 21st, 2010
10:36 pm
Blast: Some Otherwise intelligent fans hate the WNBA. Can't understand
why they can't watch. GO DREAM!
Hopefully, the Hawks will hire a new head coach before they do anything
else. He needs to be here ASAP!
Gray Mule
May 21st, 2010
10:41 pm
stop playing games rick sund and hire avery johnson.you always suppose to hire the best man for a job.avery, by far, is the best man.
May 21st, 2010
10:47 pm
I am impressed with Avery Johnson's resume. COY, won a championship playing alongside Tim Duncan and David Robinson (he was the floor general), learned from popovich, been to the finals as a coach, over. 700 regular season win percentage.
If he is hired, I think free agent players will respect him and even want to play for him (I'm sure they watch him on ESPN too).
But I am concerned about his playoff performance. After all, hawks want somebody to get them over the playoff hump, and I'm not sure Avery can do that.
That being said, Dirk is soft, and rick Carlisle has not done much better with Dallas. If Avery is hired, hopefully he learned from his Dallas mistakes.
From the previous blog,
@ northcyde,
Isn't cousins a center? All mock drafts I have seen say nets will take the PF Favors from GT.
May 21st, 2010
11:05 pm
How can any HC that has enough sense to realize:
(1) he needs to utilize his bench,
(2) he needs to make changes or adjustments and utilize strategy during gms when things aren't working,
(3) he needs to rest his starters during gms,
(4) Bibby is an offensive and defensive liability and shouldn't start,
(5) it's a good idea, and long term benefit, to develop and utilize your rookies and bench,
(6) it's far, far, far, far more effective and beneficial to make changes or adjustments than excuses,
(7) if you don't know or give a damn about OFF, and your half court OFF is severely limited and one dimensional, you get outside input or assistance, not be considered a better HC than Mike Woodson?
It's a rather odd, but AJohnson lost his job in part because he made changes that cost his team during the playoffs, and MWoodson lost his job in part because he refused to make any changes or adjustments, particularly during the playoffs.
May 21st, 2010
11:16 pm
O'Brien . . . I had forgotten about Favors. Yeah, Cousins is a center, and the Nets need a PF. They'll probably take Favors, no doubt.
May 21st, 2010
11:17 pm
Mr. Strickland . . . if Teague doesn't pan out under Avery or ( insert new coach ) . . will it be because Woody "took away his confidence", or will it be because Teague just couldn't handle playing PG on the NBA level?
( this question is open to everybody )
May 21st, 2010
11:25 pm
sign this guy now!
May 21st, 2010
11:27 pm
Teague – 48 minutes 24pts 15assists
#dudeislegit #playhim
May 21st, 2010
11:29 pm
May 21st, 2010
11:35 pm
May 21st, 2010
11:37 pm
I could play part of the time for him.


text: Lawrence Frank is out as head coach of the Detroit Pistons. He has been fired after two seasons. The Pistons finished 11th in the Eastern Conference this season at 29-and-53. Frank was 54-and-94 overall with Detroit. He was set to make four-million-dollars next season, with a team option for 2014-15. Detroit hasn't made the playoffs since 2008.


text:
If this is the queenly uniform for some sort of serpentine-and-lace Palais Royale, all we can say is we are ready for our coronation. The kind of queen that flaunts bold palates, divine embellishments, classic silhouettes, and heart-racing boldness is our kind of royalty, and how our loyal subjects react to a piece like this is our kind of royal treatment.
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Palais Royal Thong$38.00
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NordicTrack Step Deck
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