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Some thoughts and observations as we head into the final week of the regular season:
Hard Hits Lead to Fights
There seems to be a rash of fights breaking out after hard but clean hits throughout the league. There is no logic to it. I always thought that hard but clean hits were part of hockey and a desirable part at that. But now, if you hit a player "too hard", one of his teammates is likely to drop his gloves and come out swinging at you. I can understand going after a player who gets his stick or elbow up or hits a player late, but just retaliating for a hard but clean hit is just not part of "The Code" that hockey players have lived by for decades. Players should not have to defend themselves for making a clean but hard hit.
Lottery Race Coincidence
It's a good thing the NHL uses a lottery system instead of automatically awarding the team with the worst record with the top pick in the following year's Entry Draft. The rule change was inspired by the "race" between the New Jersey Devils and the Pittsburgh Penguins to see who would get the draft rights to Mario Lemieux. Both teams appeared to be tanking it and the rule was changed.
This week, the three teams with the league's worst records all announced that some of their best players would be shut down, some of them for the season. Colorado's Ryan Smyth is done for the year and so is Tampa Bay's Vincent Lecavalier. The Islanders, meanwhile, have been playing without Mark Streit for the last two games and without top goal scorer Kyle Okposo. I am not necessarily challenging the legitimacy of these injuries (after all, Smyth and Lecavalier have broken bones), but both this does seem like quite a coincidence. Let's just say that teams at the bottom of the standings have no incentive to have their best players play through their injuries this late in the season.
Cam Ward Shines in Carolina
The Carolina Hurricanes have gone from the fringes of the playoff race to being in the thick of the race for home ice advantage in the first round. Goalie Cam Ward has been a major reason for the revival in Carolina. Ward was named the NHL's First Star of the month for March after going 10-1-2 with a 1.98 goals against average and .938 save percentage. He has also started 25 straight games (17-6-2) and has been most impressive when his team needed him most.
"You can tell when Cam's at his best," Canes forward Erik Cole told The News and Observer. "He's got that bounce in his step in the net and he's out challenging shooters. You can see it now for sure. He's been real confident back there. He's always had that calm demeanor, and when he's playing with confidence, and being poised naturally, he's a pretty settling influence on the rest of the guys."
Ward won the Conn Smythe Trophy as playoff MVP in 2006 when he led the Hurricanes to their first Stanley Cup. Canes fans have to hope that Ward doesn't become exhausted after playing so many games down the stretch, but he certainly has been playing like he can take his team on another deep playoff run.
Northwest Division Race Critical
The race to win the Northwest Division between Calgary and Vancouver will be a crucial one. The division champion will clinch the number three seed in the Western Conference playoffs. The runner up may not even have home ice advantage in the first round, depending on how the Blackhawks finish their season. Right now, Chicago is one point behind Vancouver and Calgary in the standings but the Hawks have one game in hand. The stretch drive and playoff races have been very exciting throughout the league.
Look for the playoffs themselves to be even better. The league should not change the number of teams that qualify for the playoffs. The races are exciting and only good teams will make the playoffs. The quality of play in the postseason should also be outstanding and adding more teams will just water it down.


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Hulsey: Jobs plan plagiarism more 'Mary Burke Amateur Hour Campaign'
By M.D. Kittle |Wisconsin Reporter
MADISON, Wis. – In this week's Marquette Law School poll, 48 percent of respondents said Madison millionaire Mary Burke, the Democrat's candidate for governor, has not been clear enough about what she would do if elected.
Now it turns out Burke's signature jobs plan, the one area where she seemed clear about her intentions, was lifted from others.
Florida's 26th Congressional District has a short, but jaded, past
Florida's 26th Congressional District has been plagued with political scandals since its inception four years ago. Now it may add another to its record.
VA Democrat urges governor, legislators to scrutinize tax preferences
Virginia's Democratic House Minority Leader David Toscano has a solution for Virginia's current fiscal crisis — try eliminating some tax preferences that don't work.
Hospitals making millions off 340B federal program meant to help needy
Hospitals and clinics across Tennessee and the United States are reportedly using revenue from one failing federal entitlement, known as the 340B program, to subsidize two other failing government programs — Medicare and Medicaid.
Father fights for son's education in troubled St. Louis-area schools
Paul Davis doesn't know how he's going to make ends meet, but he knows he will never send his son to Normandy High School in St. Louis.
Charter school in uncharted territory, says audit
A recent audit highlights significant problems with Erie charter school, and the progress the school has made in trying to fix those problems. The school district will vote soon on whether to renew the school's charter. The case also highlights the struggles between traditional public schools and charter schools.
Mississippi Adequate Education Program is a brain-busting calculation
Figuring out the Mississippi Adequate Education Program calculation is guaranteed to give you one thing: a headache.
Oahu defense contractor sentenced on espionage charges
Benjamin Pierce Bishop, 60, a one-time respected retired U.S. Army lieutenant colonel and civilian contractor, will spend more than seven years in federal prison after a conviction on espionage charges.
GAO: TSA doesn't know what it doesn't know
The Transportation Security Administration's exists to keep terrorists and other potential threats away from American airliners, in the name of preventing another 9/11.
Charity case: PA teachers sue after union objects to donations
Two teachers wanted to give their fair-share fee to charities of their choice. The PSEA objected. Now, there's a lawsuit.
Conservative group files elections complaint over fracking political ads
By Paul Chesser
A conservative North Carolina think tank and government watchdog alleges two out-of-state environmental groups hid behind a nonexistent "shell" organization as it ran election ads against six Republican legislators.
The Raleigh-based Civitas Institute on Thursday filed a complaint with the State Board of Elections, charging that the Natural Resources Defense Council and the Southern Environmental [...]
Even Jon Stewart thinks Obama's reaction to world crises is terrible
The Daily ShowGet More: Daily Show Full Episodes,The Daily Show on Facebook,Daily Show Video Archive
Video: Brownback states plainly why Medicaid expansion hurts Kansas
Kansas Gov. Sam Brownback has been on the business end of numerous barbs and critiques for taking a stand against Obamacare and Medicaid expansion in the Sunflower State.
Those with unwavering faith in the federal government have characterized the conservative governor as an uncaring obstructionist for his opposition, but in an exclusive interview with the Daily Signal, Brownback laid out the argument against Obamacare in his own words.
Leawood throws the book at Little Free Library
The city of Leawood is using the full power of the law to protect property values from the threat of, uh, free cabinet-sized libraries.
A municipal statute designed to ban all detached structures is being levied against Leawood residents Brian and Sarah Collins after their 9-year-old son, Spencer, worked with his dad and grandpa to build the Little Free Library as a Mother's Day gift.
Despite the internet making government more open, a Harbor Springs city manager is upset that residents only make noise about deer and dog parks.
Official says citizens' interest in government has 'gone to the dogs'
Last night the Augusta Commission voted to approve an additional $630,000 to the financially troubled Hyde Park drainage project.
Augusta Commission approves more funding for broke Hyde Park project
The over 900 protesters that were arrested for their "Moral Monday" rallies on the 2nd floor of the state legislative building may have their cases dismissed.
'Moral Monday' protesters' cases may be dropped
By Brad Matthews | WatchdogWire.com
Republican Larry Hogan's campaign earlier this month filed a complaint against the Democratic Anthony Brown campaign, accusing Brown's campaign of illegally coordinating with the super PAC One State, One Future, which receives large amounts of its funding from unions.
On Wednesday, the Hogan campaign followed up by releasing a table of shared donors [...]
Anthony Brown campaign accused of coordinating with super PAC
Richmond Heights Mayor Miesha Headen, who is facing a recall, was in hot water this week as citizen anger boiled over at a town hall.
Mayor facing recall election gets booed at town hall meeting
A group hoping to bring a Major League Soccer team to Las Vegas provided the City Council with a revised final draft of a study for its stadium proposal.

subset: commoncrawl


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Posts Tagged 'lowest'
Flatmobile: The Flattest Car On Earth (video)
At any given time someone might ask "how low can you go?". And the answer is 19-inches. It's called the Flatmobile, measures just over a foot and a half, and is a reproduction of the Batmobile complete with jet engine. (more...


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Faculty Profile
Sterling Shumway, Ph.D.
Texas Tech University, 1998
Adjunct Assistant Professor, Marriage and Family Therapy
Director of Employee Assistant Program at TTUHSC
Parent/child issues; couple satisfactions/behaviors; adolescents substance abuse; EAP efficacy
Recent Publications:
Shumway, S.T. (1998) The Texas Tech Relationship Interaction Scale (TTRIS): Development of a relationship interaction measure for couples. Dissertation.


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Fable 2 Gone GoldLionhead's Fable II is done and off to production, according to a quote from director Peter Molyneux on Videogamer.com.
Despite reports in July to the same effect, Molyneux is quoted today saying, "It is [done] as of 7pm last night." He continued, "We are now officially gold. It's released to manufacturing. Fable is absolutely finished and done and dusted."
If the game really, truly is complete, it should make its announced release date of October 21 in North America and October 24 for Europe.
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Shlomi Shabat (Hebrew: שלומי שבת; born August 30, 1954, Yehud, Israel) is a popular Israeli singer, musician, and artist who sings in the oriental Mizrahi style. He comes from a sephardic family that immigrated from Turkey, and sings in Hebrew, Turkish, and Spanish. His recent CDs are Friends and Live in Caesaria, on which he sings with other Israeli artists, including his sister Lea Shabat, Shiri Maimon, and Lior Narkis.


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Chocolate & Coffee Torte
- 300g Haigh's Dark Chocolate Couverture
- 100g Haigh's Coffee Crunch Block
- 5 eggs
- 50g caster sugar
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- 100g Haigh's Coffee Crunch
- Block Chocolate, crushed
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- Preheat oven to 150° C.
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Download Recipe
Recipe by: Robert Fowler
Photographer: Randy Larcombe


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The overall click fraud rate for Q4 2010 fell to 19.1 percent, down from 22.3 percent in Q3 2010 but still higher than 15.3 percent in Q4 2009, according to the latest Click Forensics data.
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LANSING (WKZO) -- It's looking highly unlikely that state lawmakers will vote on expanding civil rights laws to specifically include gay, lesbian and transgender residents. According to a report on MIRS News, legislative sources are now saying action will have to wait until after the primary election in 2014 and the Michigan Republican Party convention. One source indicates some Republican lawmakers who support the move don't feel comfortable being public about it until after the primary.
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Kitchener-Waterloo >
Kitchener. FoundLocally.com, covers Kitchener-Waterloo, Cambridge and Guelph.
Guelph Storm vs. Plymouth Whalers in exciting Ontario Hockey League action (runs 10/3/2014)Catch exciting OHL Jr "A" hockey action More InfoGuelph Storm vs. North Bay Battalion in exciting Ontario Hockey League action (runs 10/10/2014)Catch exciting OHL Jr "A" hockey action More InfoKitchener Rangers vs. Erie Otters in exciting Ontario Hockey League action (runs 10/10/2014)Catch exciting OHL Jr "A" hockey action More InfoKitchener Rangers vs. Guelph Storm in exciting Ontario Hockey League action (runs 10/13/2014)Catch exciting OHL Jr "A" hockey action More Info
Posted Kitchener-Waterloo area Movie listings, showtimes, movie reviews and rankings for week of Friday September 26 (9/26/2014 to 10/10/2014)Hot New Releases this week include: The Boxtrolls, The Equalizer, My Little Pony: Equestria Girls - Rainbow Rocks, and in limited release: Hector and the Search for Happiness, and a Staurday matinee of David Bowie Is, Sunday matinee simulcast of Ballet: Sleeping Beauty,and a Wednesday evening simulcast of Stephen Fry Live: More Fool Me.More InfoEducational Resources for Teachers |and Students (9/19/2014 to 10/3/2014)TONS of links to great resources for Social Studies and ESL (English as a Second Language) programsMore InfoPosted Kitchener-Waterloo area Movie listings, showtimes, movie reviews and rankings for week of Sepember 19 (9/19/2014 to 10/3/2014)Hot New Releases this week include: $ellebrity, 300: Rise of an Empire, Cloud Atlas, Enemy, Jane Eyre, Magic Mike, Pacific Rim, Winter's TaleMore Info101 Kids Things To Do... (9/19/2014 to 10/3/2014)wondering how to keep the kids busy, when they're not in school? Many FREE suggestions!More Info
New Listing: Appliance Genie (added 9/30/2014)With Appliance Genie you are not only going to be saving money you'll be saving yourself the stress involved when hiring a typical repair company we make sure your home is our top priority. We are located right here in Kitchener Waterloo. More InfoNew Listing: Wayne Berwick Office Furnishings (added 9/26/2014)Space planning, new furniture sales & service of quality commercial office furnishings More InfoNew Listing: The Spiked Olive Artware Co. (added 9/22/2014)The Spiked Olive Artware Co. offers unique and funky handpainted glassware, gifts & decor, original art, fabrics and much more. Visit our website for the next exciting venue we will be attending. More InfoNew Listing: Barb's Sewing Works (added 9/20/2014)Excellent, Fast and Affordable Alterations & Repairs (no HST).Seamstress with nineteen years of experience offering excellent, fast (and I do mean FAST) and affordable services.Text to schedule an appointment: 226-988-9641 More InfoNew Listing: Dawson Dental Centre - Kitchener Dentist (added 9/18/2014)If you're looking to improve and perfect your smile, you're in good hands. Our dentists have perfected thousands of smiles and utilize the latest cosmetic dental procedures to help you look your best. More Info
Fall is a good time for hiking, biking or rock climbing to enjoy the changing seasons,
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Businesses and self-employed individuals are welcome to add themselves to our FREE LISTINGS and post news, events, and job opportunities. FoundLocally has lots of tips and information for businesses, and their staff and managers.
Kitchener's festivals attract hundreds of thousands of visitors each year. German traditions and culture are kept alive in Kitchener-Waterloo through various cultural organizations and of course the Kitchener-Waterloo Oktoberfest.
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Starbucks becomes No. 3 restaurant chain
The coffee shop ranks behind McDonald's and Subway in terms of US sales. Updated with earnings numbers.
Starbucks (SBUX) might have started as a coffee shop, but it now counts as a chain restaurant -- and it's become the third-largest in the U.S.
When measured by sales dollars,McDonald's (MCD) tops the chart, and Subway comes in second. Starbucks is No. 3, according to a study by research firm Technomic. Not bad for a company that closed thousands of stores and went through its own mini-crisis in the economic recession.
Starbucks' rise is certainly bad for Burger King and Wendy's (WEN), which used to round out the top three behind Mickey D's.
Still, all is not well at Starbucks today. The company's share price dropped nearly 2% in after-hours trading after it disappointed analysts with its profit forecast for 2011. Before today, shares had zoomed 30% in the last year to $37.18.
Post continues after this video about how well Starbucks is doing:
Starbucks said that while sales were strong, profit in the quarter was affected by the earthquake in Japan and the bankruptcy of Borders Group (BGP). Profit was $261.6 million, or 34 cents a share, a 20% increase from a year earlier. That 34 cents a share is exactly what analysts wanted to see.
The company reported a 10% jump in revenue to $2.8 billion, above the $2.73 billion analysts were anticipating. Comparable store sales rose 7% -- which breaks down to a 6% increase in traffic and a 1% increase in the average customer receipt.
But earnings for the full year, the company said, would be between $1.46 to $1.48 a share -- lower than the $1.50 a share analysts were expecting.
"Our sales, traffic and customer trends all point to the expanding power of the Starbucks business and brand," said chief executive Howard Schultz in a statement. Chief financial officer Troy Alstead also crowed: "The underlying health of our business has never been better and our fiscal second quarter results continue to demonstrate this strength."
The company is expanding beyond the coffee shop, and it plans to get more products into grocery stores. Starbucks is even joining the K-Cup mania, working out a deal with Green Mountain Coffee Roasters (GMCR) to offer its brew for Keurig machines.
One reason for Starbucks' success is that consumers feel the chain is healthier than other fast-food offerings, a Technomic spokesman told Marketplace radio. Subway benefits from that impression as well.
And what about Burger King and Wendy's? "They've found it harder to compete with the McDonald's of the world, as well as what we're seeing in the better burger segment with fast, casual giants like Five Guys Burgers and Fries really coming up the ranks and kind of chomping at their heels in terms of the burger market and what they're able to offer," said the spokesman, Darren Tristano.
Starbucks gets about 70% of its revenue from the U.S. and is expanding quickly overseas.
The economy has recovered to the point where stores catering to higher-income people are doing well, one analyst told Reuters. Starbucks falls squarely into that category. "I think the trade-up is on again," the analyst added.
Starbucks has raised prices as the cost of coffee has gone up. The price of its packaged coffee sold in supermarkets has gone up by an average of 12%, Reuters reported.
" Starbucks prays on the stupidy of Americans who pay big bucks for a stupid cup of coffee"
I didn't know Starbucks was religious; what form of religion is stupidy anyways?
"Interesting, that one assumes that a successful corporation is "praying" on the week. "
What instead of coffee of the week it'll be a prayer of the week? (At least this guy got the concept somewhat correct.)
I've found on the internet people who bash a company or article or call people stupid usually lack proper grammar, spelling, and a basic grasp of word meaning.
Oh we were talking about Starbucks?
It's decent coffee, decent food. I go there multiple times a week, enjoy Clover brewed coffee, and get free drinks quite often thanks to the Starbucks Rewards program. Maybe they "price" stupid people out by charging the same for a cup of coffee as most places?
Prays on Americans "stupidy" (Stupidity)? Last time I checked each american has the right to select what and what they do not want to purchase or patronize.
Interesting, that one assumes that a successful corporation is "praying" on the week. Why does there have to be ulterior motive. We enjoy a good cup of coffee and it turns into a plot.
I order a tall drip coffee, not the lattes. and really, Penahs, that is not stupid.
My coffee only costs $1.68 including sales tax. Enjoy the Starvbucks environment..
I have stock in the company and am very happy it has re-energized and is growing.
Re the below comments doggin each other, it's "prey" not "pray."
I don't give Starbucks my money because I like a certain fast food places coffee.
Starbucks' business success is amazing considering what they sell.
Do we consider Starbucks a restaurant or its own category, "Starbucks."
Comparing Starbucks to McDonalds is strange, except I really like MickeyD's coffee. But that's me.
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- David Williams
- Dubliln
- Ireland
Training Specialist , Arvato
This conversation is closed.
Is the increased maturity of children leading us to educate them wrong?
In modern first world culture children not have much more access to information through multimedia and technology. Censors are more lenient, mobile internet more prevalent, access to knowledge and people is easier than ever.
Children as a result are less likely to ask questions and may be more inclined to self educate in areas of curiosity and interest. Does this new access to to information that would be previously staggered and controlled mean that children are maturing quicker and education needs to account for this?
Adults learn because they want to or have to, unlike children can be told to, will this now change?
Do we need to take more form Andragogy to apply to our Pedagogies?
Showing single comment thread. View the full conversation.
Sep 10 2013: For those not familiar with Andradogy......
Your OP is fascinating...........how did you come up with the question? If I may ask?
What else have you observed in today's youth?
And what age groups are we talking about?..........5-10, 11-14, or 15-17+??
Sep 10 2013: Hi Mary, it is an idea that occurred to me as I'm working on my PhD and i was considering various impacts to learning scenarios. I work in adult education and specialize in policy and sensitive topics for a major internet and search provider, so in these include things like Child Safety and Adult content etc, where I've seen how things like sex education and racism are more open and visible topics which were traditionally hidden or at least controlled conversations. I see how 18 year olds are coming into work with more and more knowledge of these topics from self experience and exposure.
Also in Ireland unfortunately we have had a recent influx of child suicides and where cyber bullying and such are very prominent and the maturity levels and more mature pressures have become more apparent for the younger generations.
From my experience I was working with a group of 8 year old's recently from the UK where more than 50% of them had access to mobile devices.
Sep 11 2013: You know David, as a teacher of small children, I find that children are coming to school with a lot of knowledge......or at least a lot of access to knowledge.
As for maturity........hmm.....I don't know.
It's kind of a toss up for me.
I think that children are being exposed to adult topics early on.....via technology......but, is it possible that they are not able to process all this information in a way that makes for healthy development? I don't think many of them truly understand what they are watching and listening to.
I sure wish parents would think twice before exposing their small children to all that is out there.
It is kind of sad.
Your question continues to be a fascinating one.........I do hope you are able to test out your theory somehow, and that once you publish your findings, you will be able to help education in one way or another.
Sep 11 2013: Let me come back and say that some older teenagers are indeed a bit more knowledgeable as to adult topics, and perhaps all the exposure through technology has in a way made them a bit more mature.
Do you think perhaps that due to this we might be able to, lets say, start them off on a university degree or a technical career sooner?
Or were you thinking of something else?
Sep 11 2013: Hi Mary,
I don't think whats needed is to necessarily start work or college sooner, but to perhaps deal with people in an environment with more reasoning and respect of independent reasoning skills which could lead to a learning environment that encourages participants to surpass predefined learning objectives and really grow.
Sep 11 2013: David, having read what Fritzie stated above, and your reply to her and to me, now I am a bit more educated and enlightened as to what it is you are trying to do with the conversation.
And as Fritzie has brought out, we already do this here in many schools......although sometimes individual teachers take matters into their own hands if they are a bit old school and haven't changed their ways and adopted the new pedagogy.
Have you ever come to the United States and been involved in any kind of professional development workshops or educational courses?
Sounds like perhaps you would enjoy these.........or perhaps visiting local schools?
Sep 11 2013: I have worked with professional development with a few US firms, as for schools my experience is limited to Ireland, England and Cambodia.
Depending how I further this study an understanding would be great. In fact a comparative of the Asia/Europe/US would be quite interesting, as with the US being at the front of technology and technology based environments this could be a case of something that is already happened in the US and has yet to filter to other societies.
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5 Sell-Rated Dividend Stocks: ALTV, CAW, TEU, NAT, VOC
Box ShipsDividend Yield: 10.70% Box Ships (NYSE: TEU) shares currently have a dividend yield of 10.70%. Box Ships Inc., a shipping company, engages in the seaborne transportation of containers worldwide. As of December 31, 2012, it had a fleet of 9 containerships with a total capacity of approximately 43,925 twenty-foot equivalent units. The company has a P/E ratio of 6.49. The average volume for Box Ships has been 304,600 shares per day over the past 30 days. Box Ships has a market cap of $93.8 million and is part of the transportation industry. Shares are up 6.3% year to date as of the close of trading on Friday. TheStreet Ratings rates Box Ships as a sell. The company's weaknesses can be seen in multiple areas, such as its feeble growth in its earnings per share, deteriorating net income, disappointing return on equity and generally disappointing historical performance in the stock itself. Highlights from the ratings report include:
- BOX SHIPS INC's earnings per share declined by 48.3% in the most recent quarter compared to the same quarter a year ago. The company has suffered a declining pattern earnings per share over the past two years. During the past fiscal year, BOX SHIPS INC reported lower earnings of $0.67 versus $0.80 in the prior year.
- The company, on the basis of change in net income from the same quarter one year ago, has underperformed when compared to that of the S&P 500 and greatly underperformed compared to the Marine industry average. The net income has decreased by 13.8% when compared to the same quarter one year ago, dropping from $4.66 million to $4.02 million.
- Current return on equity is lower than its ROE from the same quarter one year prior. This is a clear sign of weakness within the company. When compared to other companies in the Marine industry and the overall market, BOX SHIPS INC's return on equity is below that of both the industry average and the S&P 500.
- Despite any intermediate fluctuations, we have only bad news to report on this stock's performance over the last year: it has tumbled by 47.97%, worse than the S&P 500's performance. Consistent with the plunge in the stock price, the company's earnings per share are down 48.27% compared to the year-earlier quarter. Naturally, the overall market trend is bound to be a significant factor. However, in one sense, the stock's sharp decline last year is a positive for future investors, making it cheaper (in proportion to its earnings over the past year) than most other stocks in its industry. But due to other concerns, we feel the stock is still not a good buy right now.
- The gross profit margin for BOX SHIPS INC is rather high; currently it is at 69.80%. Regardless of TEU's high profit margin, it has managed to decrease from the same period last year. Despite the mixed results of the gross profit margin, TEU's net profit margin of 22.66% significantly outperformed against the industry.
- You can view the full Box Ships Ratings Report.
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But the last-minute nature of the call for donations left some in the campaign concerned that they would end up with an empty truck. So the night before the event, campaign aides went to a local Wal Mart and spent $5,000 on granola bars, canned food, and diapers to put on display while they waited for donations to come in, according to one staffer. (The campaign confirmed that it "did donate supplies to the relief effort," but would not specify how much it spent.)
As supporters lined up to greet the candidate, a young volunteer in a Romney/Ryan t-shirt stood near the tables, his hands cupped around his mouth, shouting, "You need a donation to get in line!"
Empty-handed supporters pled for entrance, with one woman asking, "What if we dropped off our donations up front?"
The volunteer gestured toward a pile of groceries conveniently stacked near the candidate. "Just grab something," he said.
Two teenage boys retrieved a jar of peanut butter each, and got in line. When it was their turn, they handed their "donations" to Romney. He took them, smiled, and offered an earnest "Thank you."
Source: paxamericana
Mitt Romney kept quiet last week when the subject was rape and God's will. He remained silent the week before when the news was all about Illinois factory workers pleading with him to stop his alma mater Bain Capital from offshoring their jobs.
At no time this year did Mitt denounce Republican employers who threatened their workers if President Obama is re-elected or condemn repeated Republican legislative attempts to suppress Democratic votes.
Throughout the campaign, Mitt Romney confronted numerous George Washington moments — opportunities to establish an aura of honor. It takes moxie to tell fellow Republicans that voter suppression is un-American. Only a guy with strongly held principles would stand up to the firm he founded and insist they stop the morally bankrupt practice of offshoring jobs from profit-making American factories. At every turn, Romney chose the ignoble path. He kept his mouth shut rather than speak up for what's right.
Leo W. Gerard of the United Steelworkers in Leo W. Gerard: Romney Willing to Win Without Honor (via tartantambourine)
seriously how is anyone voting for romney
(via stfuconservatives)
(via stfuconservatives)
Source: The Huffington Post
America's Comeback Team in Nevada
Wow, check out the REALLY bad photoshop job Romney's team did to make it look like there were more people there. Lots of people/objects appearing twice, obvious jumps where part of the image was copied and slid over, places where the ground suddenly shifts to a new location, a pole that vanishes into thin air, etc.
I guess I shouldn't be surprised…most of Romney's lies are just as blatant. Yet people still believe them no matter how much evidence is presented to them.
If you think I altered the image at the top of this post, click through to the source and see it on Romney's own tumblr page. The only editing I'll do is below, adding arrows and circling just SOME of the inconsistencies. There are lots more, but I'd be circling them all night if I pointed them all out.
If Romney can't even be honest in his photographs, how do you expect him to level with you when it comes to the issues? We need a Commander in Chief, not a Desperate Liar in Chief.
They just sort of copied and pasted the same image on top of itself, and erased edges with 0% hardness.
It's literally the same image twice.
Hell the banner even reads "ROMNMNEY". Look at it!
This is why I can't vote for the guy. His campaign, his political background are nothing more than a parade of LIES. That means if he gets into the oval office, I don't know what sort of person he'll be.
This is a guy who, back in the 90's, said abortion was perfectly fine and an important step for women's rights. That same guy now says it should be made a crime.
This is a guy who's been known to bankrupt businesses and sell the labor to China for profit. That same guy says our current Commander in Chief knows nothing about business and that he can correct our deficit and save the middle class.
This is a guy who says he loves Big Bird, but wants to cut PBS funding. This is a guy who wants peace and safety, but wants more weapons and troops in Iraq and Iran.
He's not saying what he means. He's saying what he thinks people need to hear to want to vote for him. He's not trying to help anyone. He's just trying to get the position of power.
And that fucking scares me.
look in the bottom right corner
- white shirt, pink shirt, yellow shirt two rows back
move over half an inch
- white shirt, pink shirt, yellow shirt two rows back
Source: mittromney
Romney staffers wiped out records in '06
- Just before Mitt Romney left the Massachusetts governor's office and first ran for president, 11 of his top aides purchased their state-issued computer hard drives, and the Romney administration's e-mails were all wiped from a server, according to interviews and records obtained by the Globe.
(via randomactsofchaos)
Source: bostonglobe.com
If Elected Romney Promises to Borkize the Supreme Court
Mitt Romney gave us ample warning of what he would do to the Supreme Court's balance when he chose Robert Bork as the head of his judicial advisory team. Bork's own appointment to the SC received bi-partisan rejection by the Senate in 1987. As a judge, he supported corporate "rights" at the expense of people's rights any chance he got.
As noted by People For the American Way
Bork was confirmed to the D.C. Circuit Court of Appeals on February 8, 1982. On the bench, Bork turned his authoritarian instincts into a voting record that nearly always favored government when it was challenged by public interest groups, workers or citizens but favored business corporations whenever they challenged the government. If the New Yorker magazine drew a map of Judge Bork's vision of America, corporations would loom large and vast over the country, the government would be standing beneath them as a military and police force to control the rabble, and citizens would appear as barely visible specks on the bottom of the land.
Just to give us a brief refresher on Bork's philosophy on Civil Rights, he described the Civil Rights Act of 1964 as a "moral abomination."
He would send women's rights back to the dark ages as conveyed by this comment on gender discrimination. "I do think the equal protection clause probably should be kept to things like race and ethnicity."
A Romney court would reverse Roe v. Wade, which comes as no surprise when one considers the views Romney and his sidekick, Paul Ryan, have on reproductive rights. (Think Todd Aikin of "legitimate rape" fame)
As a defender of DOMA, Romney would defend DOMA and seek a constitutional amendment defining marriage as exclusively between 1 man and 1 woman.
Romney's website gives us further warning of his intent to further entrench an extreme right wing activist court.
As president, Mitt will nominate judges in the mold of Chief Justice Roberts and Justices Scalia, Thomas, and Alito.
Source: sarahlee310
Source: vmr
Romney Sleight of Hand Cheating Slow Mo/Close UP (Original)
NEW VIDEO GOING VIRAL: Did you hear what Mitt Romney said to a Colorado Teacher (who had been invited to a Round Table Discussion with the candidate): "I didn't ask you a question".
Just…my god.
This is an actual screen shot that I made from the actual video. No shopping.
Source: tehblackbirdisrunning


text:
Saul, John Ralston, 1947-
From Library of Congress Name Authority File
Saul, John Ralston, 1947-
Instance Of
Scheme Membership(s)
Collection Membership(s)
- Saul, J. Ralston (John Ralston), 1947-
Exact Matching Concepts from Other Schemes
- found: His Birds of prey, 1978: t.p. (John Ralston Saul) pub. info. (Ph.D., King's College, London; asst. to chrmn of a nat. energy co.)
- found: nuc88-49755: His The next best thing, 1986 (hdg. on CaQMM rept.: Saul, John Ralston, 1947- ; usage: John Ralston Saul)
- found: NLC, 6/15/88 (hdg.: Saul, John Ralston, 1947- )
- found: LC data base, 5-15-91 (hdgs.: Saul, John Ralston; Saul, John, 1947 or 8- ; usage: John Saul, John Ralston Saul)
- found: The unconscious civilization, 1997: CIP t.p. (John Ralston Saul) data sheet (b. 06-19-47)
- found: Speech closing the conference of the Canadian Friends of Burma, 1996: t.p. (J. Ralston Saul)
LC Classification
Editorial Notes
- [Includes the old catalog heading: Saul, John, 1947 or 8-.]
Change Notes
- 1978-05-12: new
- 2011-02-17: revised
Alternate Formats


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Sadie BrattAdmissions Counselor
Hello! My name is Sadie Bratt and I am very excited to be an Admissions Counselor at Christendom.
I come from the small town of Dixon, Illinois, recently made famous by the biggest embezzlement scheme of American history! I grew up in a family of 12 siblings, 4 boys and 8 girls, and I now have 9 nieces and 3 nephews, with more on the way; one of my favorite things to do is take road trips to visit my siblings, who are spread out all over the US, in Minnesota, Illinois, Ohio, Virginia, and North Carolina, and counting. It's always great fun at our family reunions in the summer, because we have a tennis tournament with both singles and doubles (which my twin sister, Mo, and I always win, of course), and can get highly competitive!
My older siblings have all (except one) attended Christendom College, and it has been such a great blessing for our family. It has strengthened our faith; taught us to think logically, independently, and critically; and enhanced our worldview for the better. And family discussions are so much more interesting when everyone has an opinion and knows how to defend it! My eyes were opened to the blessing I when during my junior year, I had to take a semester off to work. I never wanted the education here more than when it was uncertain whether I would finish, and having to work to earn it made me appreciate it so much more!
I love to play tennis, ski, and sing, and eventually I hope to become a choir director. My family grew up singing, and in my senior year in high school, I decided that I wanted to inspire people through music. When I came to Christendom, I joined the choir, and it solidified my love of music and the joy that it brings people. It is truly one of the most beautiful experiences on this campus. During my years here, I was also on Student Activities Council and played soccer, which have both been great times as well.
I look forward to working in the Admissions Office; if you have any questions about our Summer Program or Applications, please don't hesitate to contact me!


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Saginaw police have a suspect in custody in connection to a cutting incident Saturday morning. Police tell TV5 the victim is being treated for serious injuries.
Police said a man in his 20s was driven to the hospital with several deep cuts. One severe wound caused the victim to lose a lot of blood.
The cutting happened around 10:15 a.m. Saturday. Officers said there was a lot of blood at the scene in the 1400 block of Bridgeton.
The victim was transferred by helicopter to Hurley Hospital. Police said he underwent surgery Saturday afternoon.
Police also said the suspect and victim were in a relationship. The suspect is a minor.
Copyright 2013 WNEM (Meredith Corporation). All rights reserved.


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Posts Tagged '80s gadgets'
News Stories
Image of the Day: 20 Years Later All of These Things Fit in Your Pocket
I'd be hard pressed to stuff a VCR in my pants, but point taken.
15 Nostalgia-Inducing Childhood Gadgets from the 1980s (list)
Kids today are lost without iPads and smartphones - but in the '80s, a few colored plastic buttons were enough to keep us entertained for hours. We've done some diligent reminiscing to come up with 15 of the best childhood gadg...


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The best first tweets from soccer players
If you hadn't seen already, Twitter released a tool that lets you pull up the first tweet launched from a particular handle. It's a fun exercise to see what (and when) athletes finally joined the social media platform.
Some players kept it very generic, which was a bit of a let down:
Ola Twitter! Welcome to my new official Twitter page…— Cristiano Ronaldo (@Cristiano)June 15, 2010
Hey everybody.. Here's my official twitter account even though I said I'd never get one! Ha— Clint Dempsey (@clint_dempsey)January 4, 2012
Or had a "fabulous" intro to Twitter:
Aqui é o Luis Fabiano. O fabuloso. Esse é o meu twitter oficial. Mais novidades em breve.— Luis Fabiano (@luis_fabuloso)August 31, 2009
Others reached out to teammates:
Hi rio do u want picking up in the morning pal— Wayne Rooney (@WayneRooney)April 23, 2011
@Carles5puyol hola puyi!! Ja estic per aqui!! Molts petons amic!!— Gerard Piqué (@3gerardpique)December 8, 2010
And some, apparently, had … issues:
trying to figure our twitter!— Alex Morgan (@alexmorgan13)April 3, 2009
Twatting for the first time.— herculez gomez (@herculezg)June 23, 2009
Find any good ones we've missed? Let us know!


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Boylan Grape boasts a deep purple color and a strong fruity scent. That and its oaky Concord grape flavor – bold, full-bodied and neither too sweet nor too dry – almost make it sound like a fine wine. And yet when we drink it, we can't help but be transported back to our childhood, faces smeared with chocolate, bottle clutched in hand, and a dribble of grape soda running down our chins. It's the best tasting time travel for your money!
tastes great with
With the nostalgic appeal of our Grape Soda, and how it transports us back to a simpler time and place, we can't help but love it with a great hot dog. The snap of the crunchy skin and the tang of the condiments, all washed down with that smooth, not-too-sweet concord grape bubbling goodness…makes we feel like we're at the State Fair circa 1950!
1 review for Grape
Boylan's grape soda is the best grape soda i have ever had.


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I'm hearing Amato attacked Jimbo Fischer on the team plane back from BC yesterday and had to be restrained by the players?
Anyone else hear this?
FSU Rumor?
Started by Carolina Husker, Oct 04 2009 12:06 PM
6 replies to this topic
Posted 04 October 2009 - 12:06 PM
Posted 04 October 2009 - 12:44 PM
Amato? NO! Too classy isn't he? Did Amato fall for the squirting flower trick again? That wacky Jimbo...I'll bet Amato tripped over his clown shoes before he was able to land a good punch.
Posted 04 October 2009 - 12:44 PM
You're forgetting the first rule of Coach Fight Club.
Posted 04 October 2009 - 01:06 PM
Project Mayhem has left the basement.
Posted 04 October 2009 - 01:14 PM
They've all been jawing at one another at practice while Bobby wanders around who knows where.
Posted 04 October 2009 - 01:24 PM
My friends and I were debating last night which coach actually knows the first names of more players on his respective team, Bowden or Paterno.
I say Bowden knows 6. Paterno just calls them all "boy."
I say Bowden knows 6. Paterno just calls them all "boy."
Posted 04 October 2009 - 01:35 PM
I haven't heard this rumor, but I know I heard where 2 FSU assistant coach's got in a scuffle after a practice just last week. Think there was even a short little article I saw that confirmed that rumor.
Edited by ncfan, 04 October 2009 - 01:39 PM.
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Christmas morning should be a time to spend with family – enjoying the spirit of the season, snacking on gingerbread cookies and relaxing.
If that's what your schedule looks like this Christmas Day and you have little ones at home, CET and ThinkTV16 are excited to share a day packed with holiday-themed kids programs. You can get the full schedule of holiday programs for December online at http://www.cetconnect.org/kidsandfamily/2013-kids-holiday-programs or http://www.thinktv.org/kidsandfamily/2013-kids-holiday-programs, but here's the rundown for Christmas Day – starting bright and early.
Thomas & Friends: Tinsel and Trains
6am on ThinkTV14
12:30pm on CET
2pm on ThinkTV16
Super Why! The Nutcracker
6:30am on ThinkTV14
11:30am on ThinkTV16
11:30am and 2pm on CET
Arthur's Perfect Christmas
7am on CET
9am on ThinkTV14
Curious George: A Very Monkey Christmas
8am and 4pm on ThinkTV16 and CET
5pm on ThinkTV14
Dinosaur Train: Dinosaurs in the Snow
9:30am on ThinkTV16
9:30am and 2:30pm on CET
Elmo's Christmas Countdown
10am on ThinkTV16 and CET
Daniel Tiger's Neighborhood: Snowflake Day
11am on ThinkTV16 and CET
Sid the Science Kid: Sid's Holiday Adventure
12pm on ThinkTV16 and CET
WordGirl: Oh, Holiday Cheese
5pm on ThinkTV16 and CET
The Cat in the Hat Knows a Lot About Christmas
6pm on ThinkTV14
In an era when it seems like half the shows on television are crime dramas or based in a police station, most people are familiar with words like crime scene investigation, fingerprints, DNA evidence and so forth. But where did using evidence like we do today really come from? Like so many great ideas, it came from literature. Sherlock to be exact.
The fictional Sherlock Holmes was a scientist who used chemistry, bloodstains and minute traces of evidence to catch criminals. In an time when eyewitness reports and "smoking gun" evidence were needed to convict criminals, Sherlock Holmes' crime-scene methods were revolutionary. Forensic scientists, crime historians and Sherlockian experts reveal for the first time the astonishing impact Arthur Conan Doyle's creation had on the development of real-life criminal investigation and forensic techniques. With a mix of interviews, dramatic reconstruction and archives, the program tells the story of the impact and legacy of the most famous crime fighter in history.
Join us for How Sherlock Changed the World at 9pm Tuesday, Dec. 17, on CET and ThinkTV16.
Here's a preview:
Christmas is a magical time for many all over the world – and the same was true for the soldiers fighting in World War I in 1914. For one evening on December 24, 1914, French, German and Scottish soldiers laid down their arms and joined in a spontaneous celebration reflecting the peace, fellowship and humanity of the season.
CET and ThinkTV are excited to celebrate the season with a broadcast presentation of the operatic retelling of the true story of the Christmas Eve truce of 1914 with the program Silent Night. This two-act production was commissioned by the Minnesota Opera and premiered in November 2012 to national acclaim, including a Pulitzer Prize for Music for composer Kevin Puts. With a libretto by Mark Campbell, Silent Night is sung in French, English, German, Italian and Latin with English subtitles.
Silent Night will air at the following times:
Friday, Dec. 13, at 9pm on CET
Saturday, Dec. 14, at 8pm on ThinkTV16
Monday, Dec. 16, at 8pm on CET Arts
Wednesday, Dec. 18, at 9pm on ThinkTV14
We're also excited to let you know that the Cincinnati Opera will present this production at Music Hall on July 10 and 12, 2014, just days away from the 100th anniversary of the beginning of World War I. To commemorate that conflict, Cincinnati Opera is collaborating with the city's leading cultural institutions to present "Cincinnati Remembers World War I," a series of community programs focused on the World War I era. For more information, please visit www.cincinnatiopera.org/wwi.
Here's a preview of the program:
CET and ThinkTV are thrilled to announce that veteran journalist Tom Brinkmoeller is writing previews for a new section on our station websites called Mark your Calendar!
Tom, who has covered broadcasting for The Cincinnati Enquirer and David Bianculli's TV Worth Watching website, recently moved back to Cincinnati after more than 20 years of living in Florida. Tom's first preview is of Barbra Streisand: Back to Brooklyn, which premiered on Nov. 29th but has multiple encore presentations this week.
Mark your Calendar is a fun, insightful addition to the content available online from CET and ThinkTV. Tom interviews experts and people connected with the show, pulls in the culture context of the program and brings a wealth of experience to these previews. Take a look and Mark your Calendar: http://www.cetconnect.org/television/mark-your-calendar.
Each year at the end of November and the beginning of December, we host our final membership drive of the calendar year. This year we've put together a special line-up of great programs we think you'll enjoy. While the full schedule is available at www.CETconnect.org/schedule, here's a line-up of highlights for each night of the November/December Membership Drive at CET and ThinkTV:
Friday, November 29th
Barbra Streisand gets back to her roots tonight on Barbra Streisand: Back to Brooklyn. This program will air at 9pm on ThinkTV16 and CET. It will encore at 8pm Saturday, Nov. 30, on CET Arts and at 8pm Tuesday, Dec. 3, on ThinkTV14.
Saturday, Nov. 30th
Tonight is a great night for music enthusiasts, especially if you like country and folk. We'll have Texas Tenors: You Should Dream at 8pm and John Sebastian Presents: Folk Rewind at 9:30pm on ThinkTV14. For those looking for music of the classic variety, catch Best of the 60s at 8pm on CET and ThinkTV16.
Sunday, Dec. 1st
Sunday is a big night for Downton Abbey fans! In preparation for Downton Abbey Season 4, we'll be airing Return to Downton Abbey at 9pm. This special remembers the first three seasons and looks ahead to season 4 with host Susan Sarandon. If you're not a Downton fan, consider checking out Great Performance: Pavarotti – A Voice for the Ages at 8pm on ThinkTV14 or Il Volo Buon Natale at 7:30pm on CET Arts.
Monday, Dec. 2nd
We'll be live in the CET studio tonight with special thank you gifts for members, including concert tickets! Join us for Celtic Woman: Home for Christmas at 8pm and Brit Floyd: Live at Red Rock at 9:30pm. If you're up north, join us for Trans-Siberian Orchestra: Ghost of Christmas Eve. This program also has a great line-up of thank you gifts!
Tuesday, Dec. 3rd
The live membership drive continues in Cincinnati with Tenors: Lead with Your Heart at 8pm on CET and CET Arts. On ThinkTV, we'll have Best of the 60s at 8pm on ThinkTV16 and the encore performance of Barbra Streisand: Back to Brooklyn at 8pm on ThinkTV14.
Wednesday, Dec. 4th
Fans of Celtic Woman can catch the group's new holiday special Celtic Woman: Home for Christmas at 8pm on ThinkTV16 followed by Carole King – James Taylor Live at the Troubadour at 9:30. In Cincinnati, viewers will have Deepak Chopra: What are You Hungry For? at 8pm on CET.
Thursday, Dec. 5th
Legendary artist Elton John performs "Your Song," "Rocket Man" and "Candle in the Wind" tonight on Elton John in Concert at 9:30pm on CET. If you're more of the fiddling type, join us at 8pm on CET Arts for Fiddlers Holiday with Jay Ungar and Molly Mason. For ThinkTV viewers, highlights include an encore of Barbra Streisand: Back to Brooklyn at 8pm on ThinkTV16 and Doc Martin: Revealed at 10pm on ThinkTV14.
Friday, Dec. 6th
We'll be bringing back the ever-popular Magic Moments – The Best of 50s Pop at 8pm on ThinkTV14 tonight as well as John Sebastian Presents: Folk Rewind at 9pm on ThinkTV16. On CET, we'll be encoring Brit Floyd: Live at Red Rocks at 9pm on CET and CET Arts.
Viewer's Choice Weekend will be Saturday, Dec. 7, and Sunday, Dec. 8. Visit our schedule page at www.CETconnect.org/schedule for the most updated information!


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Quote reblogged from Strength In Solitude with 36 notes
Through rough times, you often wonder where God is. Remember the teacher is always quiet during the test.
The Harmony Band
Lovely song, great voices!
Post with 2 notes
I'm in Istanbul now for my master studies. I'm still trying to adapt and get to know the place bu everything is going fairly good, thanks to Allah of course!
Post with 8 notes
Are there any muslim writers here? If you know any (unpublished writers), please give me their contacts. Thanks a lot.
Photo reblogged from Defenestrations with 69 notes
Please help in this, it'd mean a lot to her and to all of us.
2005 Volkswagen New Beetle, Black.
May or may not still have 2 apple stickers in the driver's side rear window.
TN tag number: 462 - ZXZ
She was stolen in the early morning hours of Wednesday, August 23rd. Thank you for taking a moment of your time to reblog this to get the word out, and to keep an eye out for her. I'd like to see her safely home. A little help only takes a minute of your time and an ounce of your awareness.
And if you do see her and have the opportunity, shoot me a message and let me know.
Thank you.
~ Jen.
Anonymous said: What is Ramadan? Can you explain it to me? Please and Thank You! :)
Ramadan is the month where muslims fast. The fasting go from dawn until sunset.
It's more of a spiritual thing than just no food or drinks.
If you need any more info or have questions, don't hesitate :)
Photo reblogged from fuhtifleur with 168 notes
Say (O Muhammad ): "O Allah! Creator of the heavens and the earth! All-Knower of the Ghaib (unseen) and the seen. You will judge between your slaves about that wherein they used to differ."
Source: destinationjannah
Video with 3 notes
This is an amazing show named Khawater by one of the great people in the dawah for the youth Ahmad Al-Shukairy. The show has been going for seven seasons and it has great ideas.
I'm a bit behind. So this is the first episode of this season. Enjoy!
Post reblogged from On Dat Sunnah with 873 notes
Source: thirtydaysflashfast
Post with 2 notes
This is our first day of Ramadan, here in Morocco. Hope you guys are having a good second day. I'm still trying to get my routine fixed, I want to have a productive Ramadan inshAllah! Keep those great posts up, let's motivate each other in here!
Video reblogged from The Book Xperience with 1 note
Dante in Translation with Giuseppe Mazzotta
1. Introduction
2. Vita Nuova
7. Inferno XIX, XXI, XXV, XXVI
8. Inferno XXVI, XXVII, XXVIII
9. Inferno XXX, XXXI, XXXII, XXXIII, XXXIV
10. Purgatory I, II
12. Purgatory X, XI, XII, XVI, XVII
15. Purgatory XXX, XXXI, XXXIII
16. Paradise I, II
18. Paradise XI, XII
20. Paradise XVIII, XIX, XXI, XXII
22. Paradise XXVII, XXVIII, XXIX
23. Paradise XXX, XXXI, XXXII, XXXIII
24. General Review
Photo reblogged from teaching literacy. with 2,029 notes
Photoset reblogged from Fuck Yeah, Castle! with 292 notes
"Do not die, Kate Beckett. Do not die. Stay with me. // She's my friend. You understand me? She's my friend!"
Source: heat-rises
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BATTLE CREEK (WKZO) -- Battle Creek-based Kellogg's has unveiled its "Breakfast for Better Days" program. Vice President Jodi Gibson says one in eight people around the world face food insecurity issues every day.
"We are pledging to provide one half-a-billion servings of breakfast to children and families in need through this program by the end of 2016," says Gibson, "and overall we will donate more than billion servings of our cereals and snacks to help global hunger-relief efforts."
Kellogg's will be partnering with other charity groups as part of the effort.


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Money Day: Your Personal Finance Holiday
Published on - August 1st, 2007 (Modified on - June 14th, 2013) (by J.D. Roth)
I opened my first checking account on the day I entered college. During registration, local banks set up tables at one end of the room. They all seemed the same to me. I chose the bank that gave me a free Frisbee. I did business with that bank for seventeen miserable years. I loathed that bank. They were constantly finding new and interesting ways to charge me money. If I hated it so much, why didn't I change? Because I never felt like I had the time. Besides, I had no idea where else to go.
Eventually the bank went too far. Because of some obscure procedural policy, I was charged three $30 overdraft fees in a single day. This kicked my ass into gear. I took an afternoon off from work, closed my account, and started fresh at a local credit union. It was one of the best financial decisions I've ever made.
If I could solve one financial problem in a few hours, just imagine what I could do with an entire day. If you, too, have grand financial plans that you never seem to have time to fulfill, consider taking a personal Money Day. Choose a normal weekday (when banks and business are open), take time off work, and get things done. Don't worry that you're using a vacation day for "nothing" — this vacation day will repay you many times over, not just now but for years to come.
Before you begin, remove any barriers — mental and physical — that might prevent you from accomplishing your goals. Gather all the account information you can find. Eliminate distractions. Commit to spending the entire day taking control of your personal finances. It's time to do all the things you've been putting off!
Here are some tasks you might consider for your Money Day. These may sound dull, but the money you'll save by taking the time to do these can be very exciting:
Begin tracking every penny you spend.
This one change can work wonders on your finances. You can't change your habits if you don't know where the money goes. You can track your spending with a simple notebook, but most people find a computer makes things easier. You can create your own spreadsheets, or you can try a piece of personal finance software like Quicken or Microsoft Money. There are some exciting new web applications, too. Give Wesabe a try.
Set up a budget.
A budget can be a valuable tool. Yeah, the whole concept is boring, but if you can plan where your spending will go, you can make better decisions with your money. You can set up a budget on a piece of paper, or in a spreadsheet, or with a piece of software (PearBudget, for example).
Optimize your bank accounts.
If you, too, picked a bank because they were handing out free Frisbies, it's probably time to find a bank that works for you as an adult. If you're happy with your bank, then call them and ask them to eliminate service fees or to give you better interest rates. If you're unhappy with your bank, find a new one. A local credit union is an excellent choice. You might also consider internet banks, which often feature better interest rates. Here are few:
- FNBO Direct
- HSBC Direct
- WT Direct
- E*TRADE Bank
- ING Direct (Ed. note: ING Direct became Capital One 360 in 2013.)
- Everbank
You can also easily compare rates side by side using this form.
For more ideas, read this survey of online high-yield savings accounts. (The +1,500 comments contain actual user experiences.)
Open an investment account.
This may sound scary, but it isn't. It's easy. And because of the magic of compound returns, making regular small investments now will pay off huge in twenty or thirty years. Consider scheduling automatic investments: have $100 (or $50 or $25) withdrawn from your checking account each month and put directly into a Roth IRA. What's a Roth IRA? Check out these articles for more information:
- What is a Roth IRA and why should you care?
- How to start a Roth IRA (and where to do it)
- Which investments are best for a Roth IRA?
For more information on automatic investing, borrow David Bach's The Automatic Millionaire from the public library.
Call around for better deals.
What are you paying for your credit card? Your cable? Your cell phone? You can probably find better deals elsewhere. Do some research. Did DirecTV just mail you a great offer? Did you get a zero-precent credit card mailer? Use this information as ammunition. Call your current service providers and ask if they can meet or beat the deals from their competitors. They may not, but it never hurts to ask. If you want to play hardball, threaten to close your account. This is often very effective, but you have to be prepared to actually follow through with your threat. An hour or two spent calling utilities and credit card companies can free up cash now.
Visit your public library.
Borrow one (and only one) personal finance book. (If you borrow more, you're less likely to read any of them.) Take this book home and begin reading it. Which book should you choose? Any of the following are excellent starting points:
- Your Money or Your Life by Joe Dominguez and Vicki Robin
- The Total Money Makeover by Dave Ramsey
- The Millionaire Next Door by Thomas Stanley and William Danko
- The Only Investment Guide You'll Ever Need by Andrew Tobias
- The Bogleheads' Guide to Investing by Larimore, Lindauer, and LeBoeuf
- The Wealthy Barber by David Chilton
Once you've finished your first personal finance book, you'll have a better idea of the topics that interest you. Return it and check out one (and only one) new personal finance book. The public library is a fantastic resource for saving money.
Set financial goals.
Most young people putter through life with no idea what they're supposed to be doing. You don't need to be one of them. Are you carrying credit card debt? Do you have an emergency fund? Would you like to buy a house? A car? Would you like to start a business? Take some time to decide where you want to be ten years from now. Create some money goals to act as a roadmap to your future. Here's an excellent set of basic goals you can build upon:
- Establish a $1000 emergency fund.
- Pay off credit card debt.
- Fully fund a Roth IRA each year.
- Save for major expenses: house, marriage, car, etc.
Goals keep you on course. They give you something to work toward.
Create a money file.
This can be an actual file, or it can be a shoebox. It can even be an encrypted file on your hard drive. It simply needs to be an easy-to-access location in which you keep all of your important financial information, including account numbers, service providers, phone numbers, etc. This final step ties together all the work you've done on Money Day.
These are just a few tasks you can get done on Money Day. Only you can say which tasks are most important, which tasks you've been putting off. Make a list. Gather information. Don't just talk about improving your financial situation — do it! Make a commitment to your financial future: throw away that free Frisbee and schedule a personal Money Day.
This is not a guest post. This article first appeared in Ramit's 2007 Guide to Kicking Ass in slightly different form.
This article is about Basics, Money Hacks, Savings
Great advice! One of the best moves I ever made was moving my savings account from our local credit union to an online bank. Our credit union started charging outrageous fees for doing business with them, so I took my business elsewhere and got a better interest rate, too.
One additional book I would add to the list is Get A financial Life: Personal Finance in Your Twenties and Thirties by Beth Kobliner.
After I read Beth's book, I went out and bought a dozen copies to give to high school and college friends. I also made sure the public library has a couple copies. In my opinion, it is by far the most informative personal finance book for a person in their twenties and thirties. I just wish she had written it thirty years ago.
Did you publish this article before? I know I've read it…was it maybe from a contributing writer?
In any case, it's a great article and I read it again in full.
Steven: Thanks for the book suggestion.. I want to at least try and be on the right track before I hit my 30s.
As for leaving a bank – I did that when I turned 18. When you turn 18, your bank account at TD becomes "adult", and therefore subject to a surcharge of $10 a month for balances under $1000. As an 18 year old kid, about to move out when she turned 19, $1000 was a lot of money to keep lying around when I had to pay rent, bills, buy food…
I did a bit of research and hopped on with PC Financial (like ING), and it has been the best decision I've made.
I think people are just too used to their banks that they don't want to switch, so they don't. What they need to do is do a bit of research like you did, and make the switch, and see their accounts start growing.
Luckily, I am very happy with my banking situation – but I've seen friends struggle with the b.s. policies some other banks have. Having the gusto to take business elsewhere is crucial.
I want to read that Larry guy's book, the Shut Up and Stop Whining book…couldn't find it at our local Hasting's though..unless they keep it somewhere other than the finance section….I might try the library or Borders next…but it seems all pf books i've read are all basically the same concepts…
I'd like to also suggest the You Need a Budget software program. http://www.youneedabudget.com/
I HATED creating budgets using Quicken and always went over. You Need a Budget has totally transformed the way I spend money. I've discovered that I have a whole lot more to work with than I ever thought I did.
Great ideas! Furthermore, while a full weekday would be helpful much of this can be done on the weekends. We've been tracking our spending (I work on it at night when I'm in front of the tv), worked on organizing our bank accounts (found a full serice brance for Wachovia that was open on Saturdays, I understand that banks often provide a location where customers can meet with reps on Saturdays), and we have met with a variety of financial planners during the evening hours often over dinner (and they often buy the dinner).
I did most of this without taking time off work. You can open an online savings account whenever you want. I think I set mine up at 1am one night when I couldn't sleep. When I set up my investment account I just downloaded the forms off their website and mailed them in.
When you're looking for a bank, hours of operation are something to consider. If you have to take time off work to open the account, will you also have to go during work hours whenever you need to talk to a teller? One of the things that frustrated me at my old bank was that they closed at 5:00 every day, and some branches weren't even open Saturday. The credit union I'm at now is open till 7:00 Tuesday – Friday as well as all day Saturday. That plus the lack of fees made switching an easy decision.
I am with ING for almost all my necessities but I do use others from time to time if I need to cash in a check or anything like that.
I think you gave some great advice. Keep it up!
I've done this a couple times in the past. The most recent was the most successful. I had noticed my credit union had posted extra principal payments on our home equity loan in a way I thought was incorrect, so after 2+ years of ignoring it, I dropped in to check with them about it. While the principal payments turned out to be correct, I found out they had a 4.7% rate on a 4 year term (I had 7% on a 15 year term, but was paying extra on it) – so I got a free rate adjustment done and am now paying a much lower rate.
Other good things I've done on my financial holidays – called around for quotes from various insurance companies. Rolled over multiple miscellaneous IRAs (that each charged $20 annually to maintain) into one or two accounts. Written to old credit card companies to request that my account be closed.
In response to Aleks' observation that many of these things can be done at night – yes, that's true, but there's something about doing it during the work day that makes me much more efficient that I am at night!
When I first read this title, I thought you meant taking a holiday (vacation) from your personal finance.
The actual concept is a good one although it would need a lot of planning for me, or I'd end up lolling about rather than doing the things I was supposed to.
Great, consistent money advice, well done. Definitely some points to take notice of there, it really is amazing the differences small changes make, like getting a high interest earning online bank account.
Very good piece and I am looking to Wesabe now.
One thing I would say about ING Direct (which I have and absolutely love for both their savings and checking acccounts) is that you cannot totally cut ties from a brick-and-mortar bank with them. They are not able to handle a lot of different kinds of deposits (I cashed out some options and had to send the check over to Bank of America first), so they actually advise you not to completely ditch your other bank.
My next option is to go with the credit union at work linked to my ING Direct to avoid the obnoxious Bank of America fees, but just wanted to throw that out there in case anyone (like me) went into ING Direct with the hope of going 100% virtual with their banking.
I agree with Kuz, you should have some kind of local bank whether big or small to do those local transactions that you cannot quickly and easily do with online banks.
since i'm not longer an ING fan, i have to say that omitting igobanking with its 5.3%APY in the list of high yield savings accounts is poor form. of course you can't list every bank.
Most excellent! I'm working on something similar, right now. I've taken the last 2 days (I'm unemployed, but interviewing on Friday!) to collect and catalog financially-related things, research IRAs and the like. Your site is what got me researching IRAs, so thanks for that.
[...] August 1st: Money Day: Your personal finance holiday [...]
Overall a great post with some solid advice on budgetting and finanical planning. As a follow-up here is a book review for "The Millionaire Next Door" at my blog. Some great points on personal finance but an easy way to save yourself 250 pages of slow dragging text is to check out this review and see if its worth a read
Thanks for this article, i originally found out about it on MSNMoney.com. It had some great points, and through my own personal finance day i netted almost $1800. I tell my story at my blog:
[...] week, personal finance columnist Liz Pulliam Weston picked up my idea of the "Money Day", a time specifically set aside to put your finances in order. Weston shared her own ideas about how [...]
[...] solution is to take a vacation day from work: designate one specific date as your personal "Money Day". Use this day to finally set up Quicken on your computer, to open a retirement account, and to call [...]
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Craig Alan Bittner, who has since shut down his practice and moved to South America, said his patients wanted him to www.pjr.com use their fat for fuel. "Not only do they get to lose their love handles or chubby belly," wrote Dr. Bittner on the website lipodiesel.com (which has since been taken down), "but they also get to take part in saving the Earth."
Most biofuel in the U.S. currently has beef tallow or pig lard mixed in with soybeans because the animal products are cheaper to add in than pricey soybeans. Animal (and, presumably, human) fat gets drivers the same amount of mileage as regular diesel, but it needs to be processed more than vegetable-based biofuel.
Besides the fact that using human fat for this purpose is a crime (under laws that probably few of us knew existed, using human medical waste to fuel cars is illegal in California), experiments such as these don't exactly help the it's great! cheap levitra without prescription reputation of www.revistadeteatro.com biofuels. And even if the thought of running your car on human flesh doesn't creep/gross you out, I would venture to guess that it would have that effect on most people. Sorry, Tyler Durden. Back to the drawing board.
Meanwhile, it's unclear what is going to happen to click here fast cialis Dr. Bittner. He is currently volunteering at a clininc in South America, and he maintains that all of his liposuction procedures were performed without a "single serious complication or infection". Some question whether he could have even done what he claimed to have done in the first place, since Lincoln Navigators don't run on diesel…
Via WIRED
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