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How Much is Enough? On Average, About $75,000 Per Year
Published on - September 16th, 2010 (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.
A few weeks ago I wrote about how money really can buy happiness — if you spend it right. A big-screen TV isn't a ticket to happiness, but a vacation might be. Giving your money away can boost your well-being, and so can investing it in time with your family.
A new study from Princeton hangs a price tag on that happiness: $75,000 [PDF summary]. That's the annual household income that gives you the most joy for your buck. People with incomes below that magic number report less happiness, overall, than those at or above it.
The effect levels off after $75,000, though. As your income increases, your cheerfulness also increases, but the good cheer plateaus around $75,000. Another $25,000 a year — or even another $100,000 a year — will make you richer, but it won't make you much happier.
The magic number?
It's not that $75,000 is enough money to let you buy anything you want. Anyone supporting a family on that salary knows you still have plenty of careful budgeting to do. Rather, it's that Stuff doesn't make you happy. A bigger income buys you more Stuff, but the emotional satisfaction of having it wears off quickly.
Why $75,000? Because that's the magic number at which most Americans can pay their basic living expenses and have a little something left over for the good things they want in life. Or, as the Nobel-prize winning research team who ran the study put it:
More money does not necessarily buy more happiness, but less money is associated with emotional pain. Perhaps 75,000 dollars is a threshold beyond which further increase in income no longer improve individuals' ability to do what matters most to their emotional well-being, such as spending time with people they like, avoiding pain and disease, and enjoying leisure.
They're talking about the sense of day to day joy that comes into your life when you have Enough. If you've read Your Money or Your Life, you surely recall their graph of how money affects our moods. From poverty up through plenty, they chart a curve. At the peak, you have Enough: your living expenses are covered, your future is secure, and you have some fun money to spend on the things you enjoy.
Beyond Enough, the curve dives downward into clutter, stress, competition and an array of other sorry outcomes.
Note: This is J.D.'s representation of the Fulfillment Curve from Your Money or Your Life.
This new study's findings would seem to contradict this curve.
Sadly for us frugal types, the researchers didn't find that to be true. Accruing more money won't make you happier on a day-to-day basis, but the super-rich do score higher than the middle class on another axis of happiness.
Life assessment
The technical term for this one is "life assessment", and it simply means how satisfied with your life you are overall. The wealthy see themselves as more successful than the middle class do even though their wealth doesn't bring them joy.
Partly that's because wealth allows them to achieve more of their dreams. I'd bet that part of it, too, is simply the high value our culture places on being rich. If everyone around you is striving to die with the biggest bank account, and you have it, you feel like a winner.
You don't have to be super-rich to achieve your dreams and be satisfied with your life, though. Many people do that even on a fraction of the $75,000 it takes to get most of us to the Enough place.
They do it by knowing what they want, being disciplined with what they have, and celebrating their achievements. They've stepped far enough out of the cycle of consumption to stop wanting More More More all the time. They have Enough, at whatever salary they're earning.
How do you find your own personal money Enough?
How much is Enough?
Knowing where you are is, as Your Money Or Your Life makes clear, essential. You need to know how much you earn, how much you have in assets and liabilities, and how much you're likely to make during your career. You need to know this because without it, you can't get clarity about what you want.
Knowing your net worth doesn't automatically get you that clarity, though. You need to set an intention. For me, that process started with a brainstorming session with my partner. We laid out three categories of financial priorities:
- Laying a foundation. These are the essentials of good financial hygiene: being out of debt, providing for our future, covering all our basic living expenses.
- Quality of life. This category included things we value but don't need to survive, like a good education for our children. We'd be unhappy if we couldn't pay for our Quality of Life priorities, but not in danger of homelessness.
- Beyond the basics. This was the daydream category. It includes things like travel and giving to charity. All the things I love to do, but often can't because I'm putting my dollars into those first two layers of financial life.
Once we'd created this blueprint for managing our money, we got real specific. We want to fund our retirement. Great. How much do we need to retire on? What resources do we have to create that nest egg? We want our kids to have a great education. Great. What kind of education? How much will that cost?
By being specific about what we wanted, we were able to put a price tag on each of our goals. An overall picture emerged of what Enough would mean for us. In the parlance of this research I've been discussing, we were able to see what it would cost to buy our vision of happiness.
About $80,000 a year. Since we live in a fairly high cost-of-living city, so this number is well within range of the $75,000 Princeton's scientists came up with when looking at the whole country.
The number is beside the point, though. What matters is the exercise of understanding your priorities, and knowing what your dreams cost. Whether you do this and discover that your personal Enough is $30,000 or $300,000, you'll be better off for having a clear sense of what you're striving for, financially.
I distilled all that complex brainstorming and math into a single index card. I keep it on my desk. It says, "My money Enough" at the top, and then lists the goals I'm working towards. It's an inspiration when I'm tempted to slack off on my saving or my career.
This article is about News, Psychology
As Grace from Graceful retirement pointed out, it is ironic that the Princeton professors who wrote the study are making a heck of a lot more than 75K/year. Maybe they're just making 75K per person in their household.
Or maybe they just feel more successful. Or they're above average in their enough.
I found the study fascinating, but lacking. Although an increase in income is nice, accruing money in the bank deflects a ton of stress. I would love to see a study compare wealth amounts (millions of dollars in assets and so on) and fulfillment.
As far as happiness is concerned, provided that happiness is not the goal, one will be happy.
That number probably changes according to the general wealth in society. In 1990 10,000 inflation-controlled dollars would have been more than enough.
Besides, the 75,000 is an average and most possibly varies between people. Some are satisfied with much less, while others need millions to be happy.
Does the $75,000 include a mortgage? Is it in a coastal city or middle America? How many children and what ages? Cars paid off? Homebody? Public schools good? Family in the area?
I don't like "studies" like this. They are pretty bogus.
On the other hand YOUR financial priorities and the idea of a card to remind you are the wealth of this posting. Nice job!
I wonder if the fact that these are two-income households also slants the research? Right now, some extra income would make my life easier, but perhaps not happier. Finding a partner and having a family would make me happier than money.
Back when I was married, our joint annual income was right around $75k. We lived in a nice little Cape Cod in a good town with our daughter, and yes, we had "breathing room" so to speak, financially, which allowed us to pursue hobbies and leisure that gave us happiness. The fact is, we were pretty miserable, though, because it was not a good marriage.
Now it's just me and my daughter, living on my $30k salary, and we are much, MUCH happier than we ever were before. Yes, it would be nice to be able to afford some of the things we had before, but the trade off has been infinitely worth it.
I was making over $200K a year (wife, 1 child, 2 dogs, nice house, not "keeping up with the Jonses"). I thought that an easier job( less money…$115K) would be less stressful, making me happier. Wrong. I enjoy my extra "freedom", but $75K/yr (or $115K) is NOT enough for my small family to live comfortably and fully fund retirement. Too many variables in these types of studies.
What kind of job do you have that you make 200k a year? I'm a 20 year old student and would like to aim my goals to land a job like that.
Very interesting post/article. The number of 75k does make sense from the standpoint of being able to pay the bills, "Live a Little" etc. I think it's different for single vs. married with kids, but the point is well made.
I think there is also a level of happiness or what I'd call peace of mind once a certain amount of living expenses are put aside. This can be referred to as an emergency fund, or simply savings. This is because you know you're okay no matter what the economy brings.
It's important to know what makes you content and focus on getting there.
I think it is all relative to who you are. For me, 75000 would be harder because of my saving hang-ups, not because of my spending patterns. I feel content and happy when I am able to max out my retirement savings, contribute to the 529 plans for my kids, and pay extra on my mortgage. I don't care about having an iphone or whatever. I just want my mortgage gone.
I think most could live on 75,000. However, many people are used to a certain lifestyle, so it could be a huge adjustment for some. For others, it probably seems like a huge amount of money, and people in that category probably just shake their heads wondering why people would struggle when they make so much.
Single, make under $25,000. Divorced for about 8 years. Extremely happy!
Like some of the others, I think the important thing is not how much you have coming in, it's how much you have tucked away for unseen things.
That's really interesting… I'll settle for higher… but it's still interesting to know.
Maybe 75000 just keeps you interested in terms of being able to pay the bills and "live" once in a while. Less frequent but more enjoyable.
Whereas at a salary of 150,000 I might "live" more often. More frequent less enjoyable.
I agree with many of the posters so far: It all depends. Our dual-gross income is slightly above that but we don't have much more than when we made less because we had to move to a higher cost of living area just to have jobs after my husband was out of work for about a year. BUT, if we had ALL of our debt gone and still making the same now we would be in heaven
What kind of job do I need to earn $75,000? I'd like to be happy.
Lots of commissioned sales jobs where you can earn $75000+, but remember, you have to produce. No sales = no income, that means if you take a vacation or weekends off, you earn 0 for that time, if you goof off and waste time at work, you earn 0. The money can be good but you have to produce every day or you get 0, puts a lot of pressure on each day. No paid vacation, holidays, sick days, personal days off, etc. There can be times when you go weeks with a blank pay check every week, so you have to be a self starter, but the money is there if you work hard at it and don't think that 40 hours is a full work week !
UPS Drivers make that much. Full-time, top pay UPS drivers can make $100,000 a year.
Hey, enough with the (quote) "bigs-creen TV" bashing.
You claim "the emotional satisfaction of having [stuff] wears off quickly." and recommend spending on holidays and such.
For some people the emotional satisfaction of a holiday might wear out the day after they return to work. Whereas well researched stuff-purchases can continue to spread happiness over the years. It just depends on the person.
Having trouble wrapping my head around this one. "$75,000″ is a variable figure that means two very different things depending on the zip code where you live. Would be interesting if the researchers included an "average" income city so people could use a cost-of-living calculator to see where they fall.
The article states "$75,000…the annual household income that gives you the most joy for your buck" — but this is incorrect, according to the summary PDF. It's actually $75k PER PERSON.
- – -
Reports of studies like this should be accompanied by a box labeled ASSUMPTIONS to give the core stat some context.
As some of the previous comments prove, people don't automatically understand that almost all such core findings come with similar assumptions which allow people to calibrate the findings for their own lives.
The big flaw in the study, for me, is that it relies on self-reported happiness. What people say about themselves is often completely at odds from what others say about them; I've seen the most miserable-looking mofos describe themselves as basically happy.
Vanessa — go into information technology and pick the right specialties. If demand for your specialty starts to wane, learn a new specialty. Just my 2 cents!!
It certainly depends on your baseline: if you want to send your kids to private school; if you want to travel; etc. $70k won't touch the sides
As a person who budgets and lives frugally I agree with the magic "75,000″ number. It is not because I have spending problems nor am I buying a limo.
My family spends thousands of dollars a year on health care due to a pre-existing condition. Similarly my area is very high for grocery prices. Though we do put money toward retirement it is no where close to the recommended amount which is where I would like to be. Likewise I would love to add more to my son's 529 plan. I would love to have more than 3 months emergency expenses which is where our emergency fund has sat for a year due to an addition to our family.
I believe $75,000 is a good number to be able to do everything the money advisers tell you to do without much compromise.
I'm in the "Beyond the basics" category. Just booked the family on a cruise to Dominician Republic—woot!
Can't wait
The commenters should try to keep in mind that $75000 is an average – that means average family size, average cost of living, etc. If you live in a higher- or lower- cost of living area, your number will be different. If you're single or have 10 kids, your number will be different.
Nitpick: The graph you display doesn't appear to be a normal distribution ("bell curve"). It's lacking the characteristic "tails" that normal distributions display.
The interesting part to me is that in 2004, $40,000/year was all we needed to cover the basics (http://blog.penelopetrunk.com/2004/08/01/you-only-need-40000-to-be-happy/) according to research done at Harvard by Daniel Gilbert. I'm wondering what has increased so dramatically in the last 6 years to bring us to $75k? Housing, health care, childcare, food, transportation? Seems like an exponential increase which could mean soon no one will be happy!
What I find most interesting about studies like this is that they attempt to quantify happiness. I prefer to aim at "enough" as well. I think Ben Franklin points out the two ways of doing that best: "There are two ways of being happy: We must either diminish our wants or augment our means – either may do – the result is the same and it is for each man to decide for himself and to do that which happens to be easier."
Nope, that would not be enough to make me happy. Especially since I know that others doing the same job as me would be making much more.
Garbage study.
My wife and I make $78,000 combined before taxes, healthcare, retirement funding etc. After all the deductions take place, we take ho0me a shade under $55,000.
At this number, our needs are met, we have a reasonable amount of luxuries (we eat out once a week or so, go to fun events when they come up etc), have the money to do a major splurge every few years, and still put away roughly $20,000 a year into savings.
Do we still stress about money? You bet we do. We still try to budget, buy bargains and manage our funds carefully. But we're definitely near the peak on the money vs happiness scale. In the next 2-3 years we'll be in the enviable position of deciding what to do with "excess" money.
I think the 75k figure is pretty reasonable given my family income, expenses and our goals. The money covers base costs, gives us some nice "every day" luxuries, and lets us do fun things like travel once every 2 or so years.
I think it makes a big difference where you live. $75-80K in NYC/NY wont get even a frugal type very far if you have a family/children and own or aspire to own a home.
@24 Ha!
Or Princeton economists just use different methodology than Harvard psychologists… there's probably a range of numbers that people come up with. No doubt a cottage industry of papers estimating "the number" will rise up.
@23 You are right, it's a parabola, not a bell curve. (maybe y = enough_fullfillment – (x – enough_money_spent)^2)
It's really interesting to me that someone making $30K thinks that $75Kers don't have to budget, or are buying ponies, and someone making $150K thinks they would be unhappy if they made $75K. That is definitely interesting information.
Why is there a giant graph in the middle of the article that's just plain wrong? The article even says it's wrong.
1) The article claims the graph shows a bell curve. It doesn't. It's a parabola. Yes, these are different.
2) The article describes a logarithmic curve as the actual model for mapping income to happiness. Here's what a logarithmic growth curve looks like: http://en.wikipedia.org/wiki/Logarithmic_growth
Note that it looks *a lot different* from what the picture shows.
I know that the article mentions that the giant graph in the middle is wrong, but just having it there is a bit like having a wikipedia article on John F Kennedy with a picture of Richard Nixon at the top, and then putting a caption under the picture that says "This isn't John F. Kennedy". How many kids doing school reports do you think are going to be confused by that?
Anyway, I can't think of any useful action to take based on this study — you get diminishing returns in happiness once you surpass $75,000/year, or some locality-based adjustment based on that. Well, then what? Say you're making $75,000/year right now. Are you not going to ask for a raise next year because you only get a *little* bit more happiness out of it?
If you get 100 happiness points at $75,000/year, 120 happiness points at $100,000/year, and 130 happiness points at $150,000/year, you're still happier with the higher salary, so you might as well take it.
The chart in this article is misleading from what research shows. The research didn't suggest that making /more/ money resulted in less happiness. It's just that there was a point where there were only negligible gains in the indices used to measure happiness.
Additionally, a lot of commenters are submitting their own contradictory anecdotes. The study is a statistical study of 450,000 people. It's an average. There are bound to be thousands of people in the sample alone who deviate from the model.
The study also controlled for a lot of known variables to affect well-being. Note that being lonely was by far the biggest (negative) impact on well-being… a person who makes $100k but is lonely is more likely to be unhappy than someone who makes $30k but has good friends and relationships. It suggests to me that "love is [nearly] all you need". =)
I dislike articles like this because I feel like it is all relative. My parents raised a family on far less than this magic number in Chicago. If you are good at making money stretch, you can do anything you want. I never felt lacking of anything because my parents raised me to not want much.
However, in Seattle, i've found that a similar salary as my parents had does not allow me to purchase a house.
Thus, it is all relative depending on where you live and your lifestyle.
We live on a scale, and by that I mean once we have the core needs meet and we max out our 401Ks, Roths and 529s, we tend to go spend more on vacations and things that would make our life more enjoyable and fun!
We try to keep a conservative balance. By that I means we will save more as our household income increases, and at the same time increase our spending, but we will increase our spending at a lower percentage than our savings percentage increase.
So, if I earned 1 millionnnnn dollars a year, I'd be pretty happy!
I think this is no different from Maslow hierarchy of needs, you can't attain "fulfillment" or happiness until your basic needs are met. This study simply tries to quantify at what income level are your basic needs met. Got to love how these "new" studies recycle old ideas; like they say nothing new under the sun.
I remember that 2004 study, too, ChickyBeth.
This new study makes me feel very poor when actually I thought I was doing all right. Right now my husband make about 43K a year combined. We live in Chicago (not the most expensive country in the U.S. but certainly not the cheapest. We do definitely have to live on a budget but we have a lovely apartment, all the things we need, are able to save and even take a modest vacation (to say Michigan) each year. We are no way deprived and though I certainly wouldn't mind a little extra money I find $75K a year per person a ridiculously large number. I understand whether or not you have kids and where you live factor in as well but are they making two SUVs, a state of the art home theater system and yearly family vacations to the Carribean requirements for "happiness" or something?
I thought the study was interesting, but perhaps flawed/skewed if, like me (and a lot of us reading GRS), you are already simplifying.
I'd actually expect the study to come up with a "high" number (vs my outlook) since the data/survey info was based on the 'average' (okay, no such thing, but you get the idea) American – and the average American is not necessarily focused on financial independence, simplicity, etc. in quite the same way.
I figure it's a *good* thing that my "enough" number may be significantly less. Also, as many have noted, this IS a US-wide figure. Can't find it quickly at the moment, but one article on the study that I saw translated the US-avg-$75k by cost-of-living for different areas, I think some town in the Midwest was $60-something-k and NYC region was $130-something-k or so. Will post direct link if I figure out where I read it!
LOVE the graph Sierra
Maybe they ought do a "happiness" study where the main parameter is Income vs. Expenses ratio. If you make a million bucks a year but have 1.5 million in expenses, that probably eguals unhappiness. If you make 25k but have 15k in expenses you're probably pretty happy.
I make about $75k and my wife took a job making about 50k. She also had to get a car + insurance, she had a soul-sucking commute, left the house early, came home late, plus didn't get to spend time with the kids and friends like she could before. It all added up to unhappiness for her, and by proxy, the rest of us.
@ 33 Teresa. I have a house for sale cheap in Seattle if interested. Selling it would make me very happy indeed.
I know immigrants that buy a house on $50,000/year and I know others that make #120,000 and cannot afford a home.
As a positive psychology practitioner, these studies, and the media's spin of them, drive me crazy. Kahneman is without a doubt a leading thinker/researcher in this area, having won a nobel prize. Daniel Gilbert (pointed out by Chickybeth #24) is also a very distinguished academic.
But, the problem with the media's spin on these findings is that they often fail to highlight the most critical reason for why people feel they need a certain amount of money to be happy, namely referencing (i.e. comparison with others in society).
As JD has pointed out numerous times in this blog, referencing is a detrimental to your psychological health, and has a negative impact on happiness. I think the reason people feel they need an average of $75,000 today, when it was closer to $40,000-$50,000 a few years ago, is that people compare themselves with images and lifestyles seen in the media. An interesting study done a few years ago compared TV character lifestyles with real American lifestyles and found a very severe discrepency. The bottom line is that people appear to have more money than you, thus putting downward pressure on your reported happiness. What do you do? Disconnect from the advertising machine. It is working against your feeling of happiness.
Finally, the average household income in the US is roughly $62,000 (the median, which is most quoted in the media, is much less, around $40,000). If income were more equally distributed, Americans would be much happier. This is the reason why people in many European countries report being happier than Americans. Comparisons with the uber-rich will kill your sense of happiness and self-worth, particularly in a society that honors wealth even if it is acquired through greed.
Well, I don't know about $75,000, but here's how I see it:
Say you buy a couch. It's a good quality couch and you managed to buy it at about $500. Several years down the road, you have more money. You spend it on a fancier couch that's, say, $1,500. Do you get more pleasure from this new couch that you bought? Not really. It's as comfortable as the last couch. It even has the same features as the last couch. It's just fancier and you had more money to spend on it.
That's why I agree that you aren't any more happier with more money than you are with "enough" money (whatever that might be according to your circumstances). You can buy pretty much the same things, but the things you buy might be a tad more expensive than what you could afford to buy previously.
As for entertainment, you might be able to travel farther away or go to 5 star hotels (if you wanted to squander money in that fashion) with more money, but you'd really have the same amount of enjoyment as you would have if you traveled to somewhere closer or went to a 3 star hotel. It might be less glamorous, but you'd still be happy (most of the time).
Others may disagree with me, but that's how I see it.
@DC Portland #42: I really like your take on this. I think around 2005-6 is when the shows on MTV like "Sweet 16″ and other garbage started which would definitely explain why people were happier with less before then. Instead of comparing my income to others, I try to remember what it felt like to be extremely poor. Anything is better than it was before!
Why does the 'big-screen TV' always come up as an example of overspending? Nowadays a big-screen TV can be purchased for less than $800. Say you get 6 years of use from it that amounts to $10/month. Not really a big deal compared to cable bills of $80-$100/month!
As everyone points out, there are too many other variables to take into account. I'm single, 25, and make just under 75K. You'd think I would be swimming in money! Well it's quite the opposite. After taxes, paying my multiple school loans, my car loan, my rental payment, cell phone bill, city parking, groceries, insurance, etc. etc. etc. I have VERY little left over. If I had zero loans and lived in a cheaper city, well that would be a different story.
Interesting. I heard a story based off the same study yesterday on NPR here in NYC:
When adjusted for NYC style costs the number was closer to $160,000-ish. Its an interesting story, if you have time to listen to it.
My husband and I went from around $50K combined to around $220K combined in a 3-year period, and there's no question that our happiness level has increased with the change. We still spend money the same way we did when we didn't have as much to spend, we aren't interested in "luxuries" beyond what we indulged in when we were younger (eating out, two cars, buying a modest home), but now we have almost complete freedom to do whatever we like with our lives. If we want to fly out to visit family, we can do so without stressing about the cost, and we can rent a car instead of relying on people to pick us up. If my job is making me unhappy, I'm free to leave any time I'd like. I'm amazed by and grateful for all the freedom this income has given us to focus on the things that actually make us happy… time spent with family and friends, time spent exploring the outdoors, time spent learning new things.
I dislike this article. It appears to badly misinterpret the underlying study. Fig. 1 of the Princeton article DOES NOT look like the bell curve provided above. Instead, Fig. 1 of the Princeton article shows an approximate plateau beyond 75K.
The underlying Princton abstract said "life-evaluation" rises steadily (it did not say it comes down as income rises). As such, a bell-curve is not the appropriate graphic for "life evaluation." As for "emotional well being" (which was evaluated separately), the research indicated "there is no further progress beyond an annual income of 75K." Thus, again, it not be a bell curve. The research article instead shows a plateau.
Does it matter? Yes, because the poster seems to be extrapolitng what it means at higher incomes, which is unsupported.
To quote the original poster, "Another $25,000 a year — or even another $100,000 a year — will make you richer, but it won't make you much happier." Actually, earning 25K more a year might make you have a higher "life evaluation" according to the underlying research, but it doesn't seem to have much of an effect either way on "emotional well being." To cite the underlying article, "As this example
illustrates, the statement that "money does not buy happiness" may be inferred from a careless reading of a plot of life evaluation against raw income—an error avoided by using the logarithm of income. In the present study, we confirm the contribution of higher income to improving individuals' life evaluation, even among those who are
already well off."
This was also pointed out in comments #33 and #34 by Tyler and Jesse. Extrapolating this study to Your Money or Your Life seems mistaken and/or forced.
It's all in your perspective. I make a lot less that $75000. But I have the type of job I want, doing the things that I like to do. I own a house and buy the things that are important to me. I live the way I want to and often think that I have too much. So what it takes to be happy seems to be based on individual needs.


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The market is still reeling from the March bombshell that hit the grain complex. With notably more inven-tory in storage than expected, the bulls will have to prove that demand will recover, or yields will be significantly hurt to tighten supply. All the bears have to do is get the crop planted and sit back and wait.
The end user, who was under pressure in 2012, is being patient—buying only what he has to in expectation of bigger supplies this fall. At the same time, farmers are frustrated that they have unpriced grain in the bin and a limited amount of new crop priced. Most will probably rely on crop insurance and put their crop in the bin.
The problem is that strong bull market recoveries in the past few years have farmers believing they can outlast the bear. They might be right, but they need a banker on their side. If we see two years of corn yields above 155 bu. per acre and acres in excess of 96 million, the lows in 2014 might be below the cost of production.
Excellent sales opportunity...10
Excellent buying opportunity..1
Since 2000, the June final planting numbers have been lower only three times, while planted acres have increased 10 times. These are not the kind of odds we want to see for December 2013 corn to move above $6.
Corn 123456 7 8910
The damage has been done to old- and new-crop corn prices. During the next 45 days, we will see more of a sideways trading pattern than a trending market. New crop, even after the recent sharp correction, should still remain strong. All eyes are on how fast the crop gets planted. This is the bull's last real hope for strong prices. If 80% or more of the corn crop has been planted by mid-May, it will be difficult for December 2013 to move above $5.95.
If September corn is premium to December 2013 corn by 20¢ or more, place all new hedges in September. If anyone is short December corn (in options or futures), roll back to the September shortly after the May supply and demand report or at 30¢, whichever is tested first.
For cash sales off the combine, lock up basis early if the crop gets planted. In regard to selling, buy deep-in-the-money puts. Plan to be 100% positioned by early May and hope for strength so the puts can be rolled up in June and July. In regard to 2014 sales, get in position if there are weather scare events in June or July.
Beans 1234567 8 910
The April report found more soybeans domestically, along with the expectation of strong sales out of South America. This implies that the possibility of $15 soybeans no longer exists unless the market sees serious signs of crop failure. In fact, new crop soybeans are trending lower on the general expectation of solid acres.
Since 2000, soybean acres have only increased five times by the final June report. This implies even if we see decent planting weather, soybean acres will not grow. We could actually see a better upside price response if a weather event occurs. If you want to play the potential for a weather scare, be long on soybeans, not corn or wheat.
Actively sell soybeans between $12.50 and $13 basis the November 2013 soybean contract. Maintain a cautious selling stance by using deep-in-the-money puts rather than cash or selling futures contracts, due to the impact a possible weather event would have on prices. Use long puts and be 100% priced. In cash or futures, have a plan to defend upside price risk exposure if there is any sign of a technical close in November soybeans above $13.25 after mid-May.
Wheat 1234 5 678910
The domestic crop continues to look weak, which has helped stabilize values, but global supplies are still overpowering the market. There will be strong interest in buying wheat and selling corn by many end users and speculators in June and July. If overall feed supplies are moving into a surplus time period, however, the upside potential of wheat will be limited.
If anyone is short, move to the sidelines with all positions in late August. It is too late to add new positions to sell wheat. Focus on cross commodity hedging by placing new sales in the corn complex rather than wheat. In regard to storage, expect wide basis and a carrying charge structure to come back into the wheat complex as the market is assured of good supplies of other feed grains. Those with storage and hedges in place are in good shape. If you are unpriced, the options are limited; focus on selling in August between wheat and corn harvest.
Cattle 12 3 45678910
The cattle market went through a rough spell recently. This has taken a lot of steam away from the bulls, but they still have ammo to use.
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Found November 29, 2012 on Fox Sports Midwest:
PLAYERS: C.J Wilcox, Cody Ellis
TEAMS: Washington Huskies, Colorado State Rams
TEAMS: Washington Huskies, Colorado State Rams
SEATTLE (AP) C.J. Wilcox finished 27 points, just off his career-high, Aziz N'Diaye scored 12 of his 14 points in the second half, and Washington snapped a two-game home losing streak by holding on for a 66-61 win over Saint Louis on Wednesday night. Thinned by injuries, the Huskies (3-3) went just seven players deep, but had enough to overcome the Billikens (3-3) and avenge a 13-point loss last season in St. Louis. Wilcox had one of the most efficient games in Washington history, hitting 11 of 13 shots, including 4 of 5 on 3-pointers. He just missed his career high of 28 set in Saturday's home loss to Colorado State. The Huskies avoided their first three-game home non-conference losing streak since 1994. Cody Ellis led the Billikens with 14 points off the bench. It was Saint Louis' last game away from home before conference play begins in early January.
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Are Asthma and Acetaminophen Linked?
In the early 1980s, doctors advised parents to stop using aspirin to treat children's fevers and instead use acetaminophen, thought to be the safer choice. But is it?
Find out how to tell if your baby has asthma, recognize the tell-tale signs in babies, and learn how to manage your little one's asthma symptoms.
Babble blogger Lauren Hartman shows you what she likes to keep in her diaper bag, and the secret to keeping it all organized.


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He will celebrate a landmark birthday this year.Over a recent holiday weekend, we were invited to a cookout at one of his sisters' houses.
- Bio | E-mail | Recent columns
Amy, my feelings were so hurt that his family excluded me from involvement in the party.
This is not the first time his family has not included me in family functions.
They seem to think that I can't keep a secret, but I never told anyone when one sister slept with the other sister's husband, and I haven't yet, but, boy, I sure want to now!
Should I continue to let them hurt my feelings or stay away from my husband's family?
My husband thinks what they did was disrespectful to me, but he would never confront his family.
-- Tired of Taking It
Dear Tired: I applaud your discretion over the family secret you've been sitting on. It's a shame you're toying about blabbing about it now out of spite.
(Not to mention the fact that you just did.)
I agree that your husband's family should have included you in the planning of this party -- or at least informed you in advance that it was happening.
Once you've simmered down, seek out the person responsible for the surprise party and say, "I really wish you'd given me a head's up on that beforehand. I would have liked to help."
I don't think you need to sever ties with your in-laws; you should start by asking them to treat you differently.
Dear Amy: I am a happily married 27-year-old woman who just had her first baby.
What should be a very joyous time in my life has been painfully dampened by my mother's behavior.
I am an only child and have always had a very close relationship with my mom.
Once my son was born, she and my dad became distant.
My baby is now 5 months old, and I work two days a week.


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Recipe: Extra-Creamy Cooked Cream Cheese Icing
Do you love cream cheese icing? Do you consider it the best part of carrot cake and red velvet cupcakes? If so, then you need to try this recipe. It's old-fashioned, and it takes a little more time, but oh, it's worth it. This is so creamy, so rich — and it tastes of cream cheese all the way.
My curiosity about cooked cream cheese frosting was piqued by Emma's recipe for carrot sheet cake, where she mentioned that her aunt usually used a cooked cream cheese frosting. I have always made my cream cheese icing the simple way: Equal parts cream cheese and butter, whipped together with a large quantity of powdered sugar. The result is rich, very sweet, and not purely cream cheese. It tastes of butter as much as cream cheese, and sometimes the powdered sugar can give a chalky flavor and texture.
This method is totally different. There is no butter. Instead, you create a roux of flour and milk, and then you whip it together with cream cheese. The cooked flour and milk mixture helps stabilize and thicken the cream cheese. The benefit here, besides the silky texture it creates, is that you can use much, much less sugar. The cream cheese comes through clearer. (This recipe is just like old-fashioned cooked (or boiled) icing, except here you add cream cheese instead of butter in the final step.)
If you have a stand mixer, this is a very hands-off process. If you use a hand beater (and yes, you will want some kind of beaters for this recipe) it is a little more laborious. But it is worth it.
It produces a creamy icing that tastes lusciously of tangy cream cheese, without butter clogging up the flavor. It isn't very sweet at all; it puts the cream cheese up front. If you really love cream cheese frosting, you should try this recipe at least once. Yes, it is a bit more work, but oh, it's so good.
I tested this icing several different ways. I tried creating the flour paste without sugar in it, and I whipped the sugar into the cream cheese separately. But I felt that this method is a little trickier; it's harder to keep it lump free. I also tried adding non-whipped blocks of cream cheese into the hot flour paste. This also wasn't optimal; it took a long time to come together.
The final method I settled on was the most reliable, at least for me. First, whip the cream cheese until it is silky and light. Then cook the flour, sugar, and milk together until it forms a thick liquid. Then whip the flour paste until it is cool, lightening it as well. Then beat everything together.
I find that this is best eaten within 3 days or so. After that it starts to taste a little more of the flour, and less of the cream cheese. (I like this best with a molasses cake or a very dark chocolate cake, by the way. Here is the molasses cake recipe pictured!)
Extra-Creamy Cooked Cream Cheese Icing
16 ounces (2 bars) full-fat cream cheese, softened at room temperature for at least 1 hour
1/4 cup all-purpose flour
1 cup white sugar
1/4 teaspoon salt
1 cup whole milk
1 teaspoon vanilla
Place the softened cream cheese in the bowl of a stand mixer (or simply use a large bowl and hand beaters). Whip the cream cheese on high speed for several minutes, until it is completely smooth and silky. Scrape the cream cheese out into a separate bowl and set aside.
Whisk the flour, sugar, and salt together in a small saucepan. Turn the heat on to medium and slowly add the milk, whisking constantly. It will look lumpy at first but whisk vigorously to create a smooth paste. Continue whisking as the mixture comes up to a simmer. It will thicken rapidly and dramatically as it comes to a boil (see photo below). Simmer for 1 full minute, then turn off the heat. Scrape the flour and milk paste into the mixer bowl. (If you want to be 100% sure there are no small lumps, pour it through a mesh sieve.)
Turn on the mixer or beaters and whip the flour-milk mixture for 10 minutes, or until it is lightened and no longer piping hot. It should be lukewarm or cooler. Slowly add the whipped, softened cream cheese, whipping constantly. Add the vanilla. Continue whipping until the the two are completely combined and smooth and silky. (See photo below.)
It is best to let this icing firm up a bit more in the refrigerator but you can use it now to ice a completely cooled cake. If not using immediately, store in the fridge for up to 3 days. Whip again briefly on high speed before using. It is also best to refrigerate cakes that are iced with this frosting. It is best eaten within three days or so.
• Get the Cake Recipe: Dark and Damp Molasses Cake
(Images: Faith Durand)
Per serving, based on 4 servings. (% daily value)
20 Comments
Could you use pre-whipped cream cheese (from a tub) instead of whipping your own?
@mimi2856 that is a good question. I would have a few concerns: Those often have a lot of air in them, so you would want to make sure that you're still getting the same weight of cream cheese called for in this recipe. Also, you are actually whipping the cream cheese here much more than it is whipped in those little tubs. So I don't think you can skip that step entirely. And finally, a lot of the whipped cheeses have extra gums and stabilizers added and I am not sure how those would affect this recipe.
So, with all those caveats, I would say try it and let us know how it goes!
I wish I wouldn't have logged on today. That icing looks so good I'm going to have to make a cake tonight!
staceyann dolenti
I can't wait to try this recipe out. I'm quite intrigued- and yes, I am one of those that buy those cupcakes so that I can have some heavenly cream cheese frosting.
Do you think you could use corn starch instead of the flour? Going on the theory that making gravy with flour can be lumpy. I never have lumps with gravy thickened with corn starch.
My Icky-Black Chocolate Cake icing is made with cocoa, sugar, corn starch and milk and sets up smooth and not lumpy.
Let me know if Jen ever sent you our I-B-C cake recipe. It is the BEST ever chocolate cake, ya know.
Have you considered that there is too much liquid in this icing recipe and that's why it does not gel up well ? I would suggest reducing the milk to 2/3 cup and reducing the flour to 1/4-cup-less-one-tablespoon. It's a thicker roux, yes, but the proportions may be better to yield a less runny frosting.
Sounds like something I need to try...thanks for sharing.
@SBQuill74, it does actually gel up very well - not sure if I gave a different impression? It gets very firm as it cools, although while the cream cheese is room temperature and the roux is warm it is of course rather soft.
But of course - please do play around with the proportions and let us know how it works. I did play around with different proportions, but I found a thinner roux easier in getting a smooth consistency in the frosting.
I haven't tried this with cornstarch. That is on my list of things to do, however. :)
i always add a little fresh lemon juice to cream cheese frosting. it brightens the flavour & tones down a bit of the sugary sweetness. it's a great complement! but only use a very small amount...you don't want lemon frosting!
I really love how AMAZING this looks but am interested in that beautiful cake server. Please do tell.
I'm interested in trying with stevia instead of sugar...
Looks too good! Exactly what I needed.
Does it have to be whole milk
AButler, it's months old but i would be VERY interested in your i-b-c recipe, please!
I made this using laughing cow cheese instead of cream cheese (i live in Vietnam and its hard to come by cream cheese here), and the juice of 1 lime. I had to put it in the blender to make it smooth, but it turned out really really great!
I made this last night and it's terrific. It'll definitely be my go-to cream cheese frosting recipe going forward. Other ones I've tried haven't seemed worth the calories to me, but this tastes like what a really good cream cheese frosting ought to taste like. Thank you to commenter marckle above, who suggested adding a bit of lemon juice -- that really perfected it! I halved the recipe (and the recipe for the dark molasses cake) and that worked just fine. I used half a vanilla bean because my homemade extract isn't ready yet -- I don't mind the little flecks in it.
Best ever! I adore cream cheese frosting and this is amazing, great fluffy texture, but still rich and smooth. Used a handheld electric beater and had no trouble at all with the process, I just threw in all the cream cheese into the cooled roux at once but it still worked a treat. I added strawberry and used it in a lemon and white chocolate layer cake, tasted amazing!
made it and fell in love with it, everything worked so great! I thickened the roux a bit which resulted a stiffer frosting, next time I'll try to keep the roux a bit thinner, also I let the roux cool before whipping and beat the cream cheese when it was completely at room temperature. It took me almost 15 minute with a handheld electric beater. I frosted 22 cupcakes generously. this is a no fail recipe!
have you tried adding sugar to the roux and beat it with butter (instead of cream cheese), ever? I wonder how does that come out
This icing is too good, I normally don't like Cream Cheese icing, but this stuff is amazing!
Excellent; I prefer icings that are not overly sweet. The sweetness here is appropriate, and the texture is perfect.


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Gender: female
Age: 22
Throughout most of school, Carmen was a bright and active student who got straight As and played soccer and basketball. She had a good group of friends and wanted to become a lawyer.
She had her first drink of alcohol at age 12, while sleeping over at a friend's house. She and her friend found the "hidden" liquor cabinet, and they excitedly sipped scotch while telling each other secrets and trying not to laugh so loud as to wake her friend's parents.
When she was 14, she attended a house party with some older kids at the end of the school year. Some kids arrived drunk and others brought alcohol with them. Carmen, just finishing her freshman year and feeling privileged to be at a party with older students, wanted to be seen casually drinking, too. She drank enough to feel buzzed, so she could feel less anxious among the older kids.
She doesn't remember her father ever specifically telling her not to drink, only to "be careful when hanging out" and that "Kids get a little wild. You're smarter than that." He was much clearer in expressing worry about dating, sex, and drugs.
As she got older, her dad started working longer hours and she increasingly found herself returning to an empty home after school or practice. After finishing homework, she'd occasionally reward herself with a drink from her father's liquor cabinet. Also, more and more, she hung out with her "drinking buddies," and soon she was getting drunk every Friday and Saturday night. As she missed games and practices, her longtime friends on the soccer and basketball teams began to resent her increasing apathy and aloofness.
With SATs and college applications on the horizon, Carmen felt more stressed than ever as she tried to "balance it all." During the few moments of rest she did find, anxiety about her future meant she still couldn't relax unless she had a couple drinks. She applied to a number of prestigious colleges, including a few Ivy League schools. Fearing she'd be too embarrassed to attend a back-up school, she didn't apply to any. The stress drove her even further into a vicious cycle of drinking.
One day when she was 17, she was caught showing up to school late and drunk. She found herself immediately suspended and waiting in the principal's office while her dad left work early to pick her up.
On the ride home, her dad was shocked. He began asking her about what happened, and though he wanted to scold her for some of her decisions, he bit his tongue, listened, and gently encouraged her to talk about what she had been going through. They had their first real talk about alcohol and he learned just how much she had been drinking.
She didn't get into any of the colleges she applied to. As the disappointing letters came in, she wanted to drink, but instead spoke about it with her dad and the school counselor. With her life returning to equilibrium, she applied to a few less-prestigious schools and was accepted. She matriculated for a winter semester.
She's now in her junior year of college. She's been a member of the Students in Recovery group since her freshman year. Through the Students in Recovery group she met other students who had struggled with alcohol and who were looking for ways to be social without having to drink. She doesn't shy away from talking about her problems with alcohol.
Gender: male
Age: mid-40s
Greg and his wife, Nikki, have two children: a college junior named Carmen and an eighth-grade son named Sean. During Carmen's high school years, he and his wife weren't around very much. They were working longer hours to save up for her college tuition, and they were also busy with Sean. They felt that Carmen could take good care of herself, so they were shocked when they got a call from the principal saying she had been suspended for showing up to school drunk.
Having sometimes described himself as a bit of a "screw-up" in his school days, Greg felt a bit inadequate as the parent of such a bright child and occasionally thought "getting out of her way" was probably for the best. Since Carmen's episode with drinking, he's tried to be much clearer with her—and with Sean—about his expectations. He feels guilty, suspecting that his too-distant approach and leniency may have contributed to Carmen's drinking problem, but he has renewed his determination to be there for his children when they need him.
Thinking back, he realized that before Carmen got caught, he wouldn't have been surprised to learn she was drinking every once in a while. He had even sort of expected it, since that's what he had done at her age. But he had not expected to her to drink as often or as much as she did. Nor did he expect her to be drinking in response to the stress of school, of sports, and of living up to what she perceived as his expectations.
Since Carmen came clean about her alcohol dependency, he's attended some of his daughter's counseling sessions and also a few meetings of a support group for family members of alcoholics. He heard a lot of horror stories that started out similar to his daughter's story, and now he realizes just how much worse it could have been for his family. As he and Carmen worked through her problems, he spoke with experts on underage drinking and learned effective techniques for talking with children about alcohol.
Alicia is his neighbor of more than 15 years. Their sons have gone to school together and been friends since they were in second grade. Alicia and Greg often talk about what's going on in the school and what their boys are up to.
Gender: female
Age: late 30s
Alicia is a web developer and devoted mother of her only child, Michael. Michael's dad, Vincent, is in the military and currently deployed, so Alicia has to work twice as hard to be there for Michael. In her husband's absence, she turns to family, friends, and other parents for support. Her neighbors Greg and Nikki have been especially good friends and confidants over the years.
She thought she'd have less to worry about as Michael grew older, but so far that hasn't been the case. Middle school brought a whole new host of concerns—does he have enough friends? Is he getting enough exercise? Is he playing too many video games? Is he growing up too fast? She has her hands full balancing work, taking him to trumpet lessons, helping him with homework, and cheering him on at his baseball games.
Alcohol didn't even rank in her top five concerns… that is, until last weekend, when she heard about a house party getting raided by the police. When the police arrived on the scene, tipped off by a noise complaint from the neighbors, they found teenagers working their way through a keg of beer and several bottles of liquor. And Alicia was shocked to hear through the grapevine that many of the tipsy teens were eighth-graders. Could some of Michael's friends be drinking? Could Michael be drinking?
No, that can't be right. Michael's a good kid, quiet, does well in school. But that would explain some troubling things she's been noticing. She's always had a close relationship with him, but lately he's been distancing himself from her; and he's been hanging out with some older kids.
Even if these warning signs are harmless, the party was a sharp reminder of how easily things could go wrong. Should she say something to Michael? What would she say and how would she start the conversation?
Gender: male
Age: 13
Michael is a bright and curious eighth-grader. He plays trumpet in the school band, and in the past few years he's been having a lot of fun playing baseball, too. At home, he likes to watch TV and play video games.
Michael hasn't tried alcohol. He does know a few other kids in his grade who have, though, and he hears about drinking going on at parties. He heard about a big party last weekend that got raided by the police. He's not sure what to think about it all. Some of the kids who were drinking seemed like "cool" kids—do they know something he doesn't? He doesn't want to get in trouble or anything, but… there were a lot of eighth-graders there, and everyone at school is talking about this party. Is this just what you're supposed to do when you're growing up?
He wishes he'd get invited to a big party. He isn't sure if he would drink, but he definitely wouldn't want to seem uncool in front of the other kids. He doesn't want to talk about it with his mother because she might disapprove of the kids he wants to befriend, or she might even say something to one of their parents.
Michael has already had one chance to drink alcohol. His friend Leo has been talking about drinking lately, and last time Michael went over to his house, Leo suggested they raid his dad's liquor cabinet. Michael felt uncomfortable, but he couldn't come up with a good excuse not to drink. If Leo had pressed him, he's not sure how he would have handled the situation. He vaguely knows he shouldn't drink, but doesn't know what he'll do next time he gets the offer. Maybe Leo's right and it will be fun. Or maybe Michael's health teacher is right and alcohol is very bad for you. Without a strong opinion of his own, Michael could go either way....


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Newmont Mining: Value and yield
With a dividend linked to gold prices, this undervalued miner offers growth and income potential.
By Genia Turanova, Leeb Income Performance
Newmont Mining (NEM) currently sells at its lowest valuation in four years despite the fact that the price of its main product, gold, has nearly doubled since then.
Moreover, its valuation is lower than that of the overall market -- and its yield is higher. In fact, it is the highest-yielding stock in the sector, with a yield of 2.8%, significantly above the average for the category.
If you want to compare apples to apples, here's the deal:
The stock is trading at less than 10 times estimated next year earnings, which is only 10% more expensive than the average valuation for the gold mining sector (which, admittedly, has become very cheap in the past 6-12 months).
Its introduction of a gold-linked dividend in April 2011 (each quarter's dividend is indexed to the average price of the gold that Newmont sells in that quarter with additional step-up provisions) was an innovative move that may result in a higher dividend down the road.
Founded in 1921, Newmont Mining is the largest U.S.-based gold miner and the only direct gold play that is an S&P 500 component.
It's a well-diversified gold producer, with significant assets or operations in the United States, Australia, Peru, Indonesia, Ghana, Canada, New Zealand and Mexico.
As of year-end 2011, Newmont had proven and probable reserves of attributable 98.8 million ounces of gold, and its cash cost is $650 per ounce of gold.
As for its gold price-linked dividend, for the second quarter of 2012 it was 35 cents per share, based on the average gold price of $1,684 per ounce. This dividend was 75% higher than what Newmont paid a year ago.
Longer term, cost controls and production growth are the two necessary conditions needed to maintain and grow the dividend, but we believe, with Newmont's target of 3.2 million ounces of pipeline potential can be sustained and even raised.
For industry-beating yields and gold-price leverage, we rate Newmont Mining a "buy."
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Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
As geopolitical tensions threaten to spin out of control, investors are wondering how best to position their portfolios for the global turmoil.
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Contributors include professional investors and journalists affiliated with MSN Money.
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click image to zoomSAL MAUCERI
Toronto-born and a citizen of the U.S., new CEO of Wella North America, the Salon Professional Division of P&G, Salvatore Mauceri is a 25-year veteran of sales and marketing in both business-to-business and consumer products. Mauceri has spent the past decade at Wella, first leading the U.S. Eastern Division for P&G Salon Professional, and then successfully managing the North America integration of the company into P&G. Most recently, he has been Director of Global Developing Markets, a business unit that grew under his leadership to encompass more than 90 countries in three regions. Mauceri transformed a small, opportunistic export organization into a vibrant global division, thereby building the fastest growing business unit in Wella globally.
In 2014, Mauceri relocated from Geneva, Switzerland to Wella North America's headquarters in Woodland Hills, California to lead the entire organization of professional educators, sales staff, marketers and researchers in the U.S. and Canada. MODERN spoke with Mauceri to hear his views on the diverse beauty market in the U.S. and his plans for the future.
How do you view the health of the salon industry and do you see any looming threats or disruptions?
The industry has struggled based on the changes in the economy. Here in the United States, there have been a lot of shifts. You have the booth renter, which is a significant phenomenon here, and it's growing dramatically.
In terms of a threat, the economy has put people in the position of questioning how they are serving their client. I really believe that, as an industry, it's important that we provide consistent education and inspiration for stylists. We are going to stay very, very focused on the stylist by giving them the innovation they need in order to be successful and to provide an experience for their clients. And for the salon owners, we are dedicated to offering a business education platform that makes sense for them.
Are salon products sold online in Europe and developing markets and how does that compare to what's happening in the U.S.?
Selling salon products online is a little easier in the European community where the flow of products is easier and people take advantage of foreign exchange. Globally, there are different reasons that people are going to the internet to purchase products. In the developing world, which I managed, it's almost a necessity because of the infrastructure. In many places, you can't drive to a salon or to a retail outlet, and it's too difficult to get there, so people tend to rely on ecommerce or e-education and they are a little more open to the internet. It is evolving for different reasons in different parts of the world. At the end of the day it is really important to ensure that we provide a premium service to someone coming in to a salon. When they walk in, it is not just about cutting hair and getting it colored and walking out because if it is as simple as then we may end up losing them, especially during tough times, to products that are sitting in the retail stores. Visiting the salon has to be about the total experience.


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Play in small gigging band. Perfect for my yamaha sp 70 piano. Light portable,and quite powerful.
Comments about Yorkville 50KB 10" 2-Channel Keyboard Amp:
Good for practice, or very small gigs. Sounds very good, and you can control the high/low frequencies of both channels. For the money, it's worth every penny!
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Hi All,
Brand new to the forums and been doing the regimin for about a week and a half now. (23 male)
To be totally honest my story is the same as most peoples on here, sick of Acne (mild to moderate), tried everything, diet, anti-biotics, topical...nothing works, stumbles accross acne.org decides 'whats the harm in trying?'
One of the reasons I didnt introduce myself as a member right at the start was I was very skeptical about the regimin working for me after exhausting so many options...after one week though and my acne is just fantastic! So here I am hoping to be a more active member of the community and help other people to see the benifits...
To cut to the long and short though, I have the following problem where I cant seem to find any instances where people are in the same situation:
After a week and a half my skin is dry/flakyish all over as expected (I know this should balance out) but there are 2 patchs on my face, about 2cm in diameter one on my forehead and the other on my cheek, where the skin is just red, puffy and itchy as anything. My only deviation from the regimin is to come back to these patchs and put on some more moisturiser or it just comes unbearable.
Just seems strange that this problem is so isolated. Im using Dans products, clense + treat + moisturise and nothing else. Has anyone any ideas to help me, or is it just a case of carry on and see if the problem persists?
Thanks to everyone for help in advance and hope to see you all on forums over the next few months)
New To Regimen
Started by CPTCals, Jun 22 2012 01:44 AMdry patches
4 replies to this topic
Posted 22 June 2012 - 01:44 AM
Posted 22 June 2012 - 06:42 AM
Very odd, I would try a day of just moisturizing with jojoba oil if it where me, I regulary do that anyway, feels like I'm giving my skin a rest for a day to remove any irritation.
Posted 22 June 2012 - 10:01 AM
Thanks Kyle, Ill try that asap. So perhaps miss doing the BP for one day, and use Jojoba to let skin recover?
Posted 25 June 2012 - 07:27 PM
If you are going to skip days, Im not sure what will happen. I have been on the regimen for two and a half years and I skipped days back in the early days and it sucked. My face got worse. If anything, try every few days only doing the BP at night. I do that full time now and it helps with flakiness. Also, get the jojoba oil if you dont have it. It will change your life bro.
Posted 25 June 2012 - 08:41 PM
I had this happen to me in the early stages CPT, where I had a patch on either side of my mouth that was particularly sore, red and itchy. I did start a little gungho with the BP at first though I have to admit (I got a little excited with the early good results). I took a break of 24 hours and then started back a lot slower with the BP, and then just persisted through the first 3 weeks which to be honest were hell, with red burning and dry skin. But it got better and by week 5 things really improved, and here I am nearly a year later and all clear and glowing. Almost a supermodel in fact.
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Memphis police officers are looking for the man who they allege stole and then burned one of their squad cars and also stole a shotgun on New Year's Day.
They're searching for a familiar face.
It wouldn't be the first time Memphian Isaac Porterfield has been picked up for a crime. In fact, it would only add to his family's rap sheet, that contains more than 400 arrests.
MORE: Memphis police cruiser carjacked, set afire
It was the kind of reckless mayhem violently befitting a member of the "First Family of Memphis crime." Responding to an armed party call Jan. 1 morning, police spotted a stolen GMC Yukon reportedly carjacked near Tutwiller and Claybrook.
Two suspects were trying to remove the wheels. While detaining one suspect, the other fought off three officers and then stole a police car and drove away. The squad car was found on fire near the dead end of Montgomery and Snowden. But, as police would discover hours later it was all in a night's work for the 31-year-old veteran criminal Porterfield.
The "uncrowned prince" of the infamous Porterfield Posse.
Fourteen years ago the matriarch of the Porterfield clan, Elfriede "Diamond" Porterfield, spoke with FOX13 News in defense of her seven sons all with extensive criminal records.
"Because my children are bi-racial, I'm German and their father is black," Diamond Potterfield said. "If my child did something wrong arrest him. Charge him."
But, judging by a history of offenses that date back to 1947, generations of Porterfields have dove headlong into perfecting what one victim once called the "art of crime." A 2009 Commercial Appeal article on the family noted Porterfield family members had been arrested over 400 times. Their crimes have included thefts, robberies, shootings, assaults and murders.
Isaac's rap sheet goes back to his teens, when in 1999 he escaped from the penal farm and crashed a car as part of a feud with another family. At the time there were five other Porterfields in jail. The previous year in July 1998 Isaac's brother Randy was found shot to death in a car.
Brothers Steven, Raymond, Antonio, Aaron and James compose a poisonous family tree, a twisted tree which finds their older cousin 69-year Sidney Porterfield still sitting on death row convicted in a high-profile 1980's murder for hire plot in which he used a tire iron to bludgeon the husband of Bartlett housewife Gaile Owens.
FOX13 News attempted to talk with people in the South Memphis area where the newest generation of Porterfield's allegedly conduct the traffic trade. As you'd expect no one stepped with information.
"There's no such things as bad kids," Diamond Porterfield said. "They just do bad things. My kids just like anybody else. They're not perfect."
As "Diamond" observed, there are no such things as bad kids. But, as their criminal records attest the Porterfields continue to perfect the art of doing bad things.
There is an arrest warrant for Porterfield, who has been charged with Theft of Property $10,000 - $60,000, Vandalism $10,000 - $60,000, and Assault.
The FBI is also actively involved in this case.
If you can assist police in locating the unidentified man who stole a police cruiser, you are urged to call CrimeStoppers at 901-528-CASH.
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Published on Thursday, December 12 2013 14:56
By Marcel Such
This Saturday, December 14, if you are in the vicinity, you may spy two or three people hiking in and along the St. Vrain River channel through Lyons and Apple Valley. These volunteers will be conducting a bird survey for the Longmont Christmas Bird Count, an activity that has been occurring annually for over six decades. A group
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Published on Thursday, December 12 2013 14:15
After 32 years we are still celebrating Catholic mass on Saturday evenings at 5:30 p.m. in the white church on the corner of 4th and Main streets. All are welcome to enjoy our mass with the visiting priests from the
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Published on Thursday, December 12 2013 13:54
By C. Chrystal DeCoster
Webster defines nourishment as "food and other things that are needed for health, growth, etc." Nourishment for Lyons was definitely served up at this past Saturday's Rebuild Lyons Holiday Bar-B-Que fundraiser.
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Published on Thursday, December 12 2013 13:58
Over 1,200 shoppers found plenty of Holiday GIfts at the Bazaar this year. There was food, music, a "Cash Mob," and of course a visit from Santa! Many of the merchants donated goods for the raffle and organizers donated this year's proceeds to the Lyons Community Foundation.
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Published on Thursday, November 14 2013 09:15
Boulder Ballet and Boulder Philharmonic are giving back to the Boulder Valley and St. Vrain Valley School Districts through their in-school ticket-sales program. Through this program, schools receive 20% of the proceeds from all tickets sold from their school. In past years, the total has amounted up to $7,000. This year, sales are nearly at $4,000 and are expected to increase through Friday.
Proceeds will be announced and checks will be given to representatives from each school this Saturday, November 9 at 5:30 p.m., at The Dairy Center for the Arts. At a time when funding for public schools is in need, this program is a tremendous benefit to the entire community.
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... as an organization dedicated to assisting automotive aftermarket people who because of catastrophic illness or terrible accient have exhausted all other available resources in maintaining a reasonable existence. The Foundation is staffed by industry executives who donate their time with the single goal of providing a solution to the family or individuals who have reached this position of great need. We depend on the generous assistance of our industry companies and individuals to provide the financial support to fund the foundation.
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Style Combo: Stripes Mixed with Plaids at Home?
Spotting this striking fashion statement of stripes and plaids brought to mind the gazillions of striped home ideas we've seen, and ever-increasing plaid ones too. This got us wondering what AT readers thought of combining the two. On the one hand we've got a tartan trend, and on the other we've got gorgeously striped color accessories from Modern Plaid...
A visual to help realize this daring style: striped and plaid rugs from Crate & Barrel Outlet show that one of each in a room side by side could actually make a really interesting statement:
(Photo of stripe/plaid man (On the Street...Luca Rubinacci, Florence ) via The Sartorialist)
19 Comments
That photo screamed Sartorialist.
Sartorialist isn't this "funky" with the photos of men...
that man is beautiful
That plaid wall treatment is heinous.
definitely satoralist.
Outfit is fine, the hat ruins it! Still dislike the plaid wall. The pillows and throw are nice and I don't care for the rugs. So I guess the answer is - it depends.
I just want to know where he got those beautiful blue eyes.
yup; link to sartorialist is at bottom of post!
Yes, Sartoralist Wed, Jan. 21, 2009 - 'On the street Luca Rubinacci, Florence'. Also check out Wed, Jan. 28, 2009 - 'Mixed Paterns'. The right mix and attitude pulls it off. Helps to look as good as someone like Luca too. The hat, the color of the inside of his upturned collar and those eyes put it all together.
Mixing patterns can work, but it helps to be sensitive to how the colors interact. I don't know in what world that coat "goes" with that shirt & tie combo, but it's full of colorblind people.
I remember this picture from The Sartorialist, I was in love with it when I first saw it. Plaid and stripes are both prints I love, but I've never been able to figure out how to mix them. But this might just inspire me to try.
helloooooooooo blue eyes....
I'm not fond of mixing patterns, I find it often looks terrible, but if he wants to come to my place and prove me wrong he's freely invited ....
Hellooooo blue eyes....
wait what were we talking about again?
Too busy for me. But I think that man could pull off most anything.
I'm all for mixing plaids, stripes, paisley prints, anything really... as long as the colors go together. Sorry but that outfit does not work. Too many blues, the red and purple clash as well, ditto for the yellow of the coat and the orange of the tie and that hat wouldn't look good on anyone. So I guess we know he likes girls because he doesn't know color.
I didn't notice what he was wearing, actually.
I love the de Ploeg fabric designed by Scholten and Baijings above.


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Will This Weekend Be a Winner?
By Sam Kantrow on November 23, 2012, 8:34am Last modified: November 24, 2012, 8:26am
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A good amount of weather to talk about over the next handful of days so let's just get right into it! Happy Black Friday first of all. Today, we're still expecting to squeeze out one last nice and mild day before a much cooler forecast arrives in the form of a cold front tonight. Check out the video above to see the timing of this front. Clouds will be on the increase as the night progresses, but you don't have to worry about any clouds today...these will all roll in tonight after sundown. There is not a lot of rain associated with this front, so I doubt anyone will see more than a few light sprinkles tonight. Once this front passes during the pre-dawn hours tomorrow, much cooler weather is behind it. The 540 line dips way south, 850 temps drop well below freezing, and breezy conditions will persist throughout the weekend with a strong troughiness in our area. We'll continue to cold air advect this weekend, before things become zonal, and a bit less frigid next week. I still think we'll remain below average for temps this coming work-week.
The next weather moves through on Tuesday into Wednesday. The models are all over the place with the location, track, intensity, even precipitation type so this one we'll have to keep a close eye on. The lastest GFS model run showed this storm coming earlier, being colder, and having less moisture associated with it. The good news with this is that there would be less water falling from the sky...the bad news is that it could cause a more wintry forecast for the middle of next week. Quincy wrote a great article explaining the different models, and you can check it out by CLICKING HERE.
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Day3. Dali-Shaxi
Take a bus to Shaxi, the ancient tea horse caravan trail, stroll around ancient town and local village, visit the traditional theater and temple, and most prosperity tea horse family in history garden, listening to the historical stories about the tea horse caravan trail,stay one night in the local traditional tea horse caravan hotel.(B.L.D.)
Shaxi in the historic Market Square of the old village of Sideng, a once vibrant staging post along the Tea and Horse Caravan Trail, which primarily channeled trade in tea, horses and other valuables between diverse ethnic groups residing along the eastern Himalayan riff beginning in the Tang Dynasty (618 – 907). Sideng flourished over five centuries throughout the Ming and Qing dynasties (1368 – 1911) haven't been before stalled under the changing economic, political and industrial landscape of the mid-20th century.
Day4 Visit Shibao mountain - woman's kingdom-the indian buddhism carving,and fresco.
Shibao mountain located in the northwest of Dali, contains Buddist rock carvings and temples of over 1300 years old with,amongst others,images of the Bodisattva Guanyin, and lady's produced organ.local people offen worship for pray for giving birth no pain delivery. they are art treasures of the Nanzhan Kingdom and the Dali Kingdom
Stay one night over in Shaxi village (B.L.D.)
Day 5 Lijiang
Take bus to Lijiang, stroll around Lijiang old town, black dragon pool ,Mu masion, and Naxi museum,at night enjoy the traditional Naxi musical performance,stay one night in Lijiang
Day 6. Walk around the Baisha
the old village which is the dubition the incredible frescoes telling you the history .
then you keep taking your steps , reach the fomal residence of Rock the American scorlar , you will understand why Rock said:i prefer dying amist the flowers which at the foot of Jade dragon mountain rather than lying on the bed of Hospitals.Pilgrimage from Shuhe to Yuhu village, to understand more deep culture of the Naxi,and Yi ethnic culture .
Where is at the foot of Jade dragon snow mountains,on the way visit the frescoes and the Tibentan style monestry, and the formal residence of American scorlar.spent one night in Shuhe town.(B.L.D.)
Day 7 We will drive to Wenhai Village.
There are two clans in Wenhai lower village,whose bloodlines are from the Tibetans and the Bais, but are also being regarded as Naxi people now. north of the Wenhai villages is the Xuehua village where there lives a group of yis ,who still maintin their very simple and traditional lifestyle of the yi people.
It is a Xanadu where the strangers are seldom reached. You can enjoy the marvellous landscape of the lake and the pasture near the village. Stay overnight at Eco-Lodge which is joint operated by the local 56 families.
Day 8 Flight from Lijiang to Kunming, then back home
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Trekking in Xishuangbanna, Yunnan of south China
Xishuangbanna, China Hiking & Trekking
Trekking in Xishuangbanna, to see the Aini , Dai and Bulang ethnic people near the Myanmar board. there are many tea plantation , rice fields and sugarcane fields in a big valley....
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Trekking Minya Gongga - King of Sichuan Mount tour
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Yoga and trekking in Yunnan in China
Lijiang, China Yoga
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6,694 credit students representing 17% of the graduating classes in Monroe County, with minority students representing 39% of the total enrollment.
James Ryan of Bushkill
James Ryan is the kind of guy you would most likely find swapping out an engine or pulling off a bumper. In fact, this 22 year old spends most of his free time working on cars with his friends. "I'm good with my hands," says James, who excelled in Wood Tech programs in high school, "and I love working with other people. Plus, I have a very sociable personality."
"I get asked a lot why I chose to study Criminal Justice over a career with cars, but I didn't want to spoil the hobby," says James. "Also, having a degree is really important to me."
Inspired by family and friends in the field, James enrolled in the Criminal Justice program at NCC. "I've always looked up to police officers. I feel it's such an honorable career, and I'd really like to be a good influence on children in my community in the future," he says. "In fact, I'd like to start working as a police officer with my NCC associates degree, and then continue on to get my bachelor's in law enforcement after that. I know that a career in criminal justice will allow me to work every day to help people. That's really important to me."


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The forestwife
Tomlinson, Theresa.
Teen Fiction TOMLINS
Tomlinson, Theresa.
Teen Fiction TOMLINS
Summary: In England during the reign of King Richard I, fifteen-year-old Marian escapes from an arranged marriage to live with a community of forest folk that includes a daring young outlaw named Robert.
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text: Steve Cherry, a member of the Michigan State 2000 National Championship team, will be among the former Spartans taking part in Friday night's reunion game being played at Jenison Fieldhouse. Former Michigan State all-time greats Steve Smith and Mateen Cleaves will also be on hand for the contest which will have Magic Johnson and former MSU coach Gus Ganakas coach one team with former Spartan coach Jed Heathcote and MSU football coach Mark Dantonio coaching the other. Then Saturday night, Michigan State will play Tuskegee for the first men's basketball game at Jenison since 1989, the year the Breslin Center opened. Jenison, which still houses MSU's athletic department offices and is the home arena for MSU volleyball, wrestling, and gymnastics, opened in 1940.


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Vikings Fifth At Central Region Tournament, Ostrander And Toivonen Qualify for NCAA Championships
LAKE ELMO, Minn. – Augustana College women's golf shot a 326 in the final round of the NCAA Division II Central Region Championships to finish in fifth place out of nine teams at 79-over-par 943 (308-309-326).
Augustana's Allie Ostrander and Marisa Toivonen both tied for seventh overall and qualified for the NCAA Championships as individuals. For the first time since 2006-07, Augustana did not qualify for the NCAA Championships as a team.
Central Oklahoma won the Central Region Championship shooting a 39-over-par 903 (300-302-301) as a team. Taylor Neidy of Central Oklahoma won individual medalist honors coming in at two-under-par 214 (72-70-70). Southwestern Oklahoma State finished second with a 68-over-par 932 (317-305-310) and Arkansas Tech grabbed the third and final bid to the NCAA Championships shooting a 71-over-par 935 (300-319-316).
Ostrander, who shot two-over-par 74′s in the first two rounds, shot an 83 on Tuesday and finished in a tie for seventh overall to earn a bid to the NCAA Championships as an individual. Toivonen carded her lowest round of the three-round tournament shooting a three-over-par 75 this afternoon to tie for seventh at 15-over-par 231 (80-76-75). Toivonen also qualified as an individual for the NCAA Championships.
Senior Maggie Leland played in her final round as an Augustana Viking at the Central Region Championships. Leland fired a 12-over-par 84 on Tuesday to finish in a tie for 21st overall at 22-over-par 238 (74-80-84). Leland finishes her career as a two-time NSIC Individual Champion, having won four straight conference championships and two Central Region Championships as a four-time letterwinner.
Jennifer Pederson placed 36th individual shooting a 30-over-par 246 (80-82-84) in the three-day event. Jordan Bormann finished in a tie for 38th with a 31-over-par 247 (80-79-88).
Ostrander and Toivonen will participate in the NCAA Championships at Rock Barn Golf & Spa May 14-17 in Conover, N.C.
NCAA Division II Central Region Championships — Final Standings
USF's Rutherford Comes Up Just Short In NCAA Central Regional