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School Leadership Positions Available
School Leadership Positions Available
NATIVITY MONTESSORI SCHOOL (3 through K) in Maysville, Kentucky is seeking applicants for the Head of School position. Bachelor's degree, good communication, computer/tech, and management skills required; experience in education and language arts preferred. Montessori training provided. Submit resumes to Nativity Montessori School at 31 E 3rd, Maysville. KY 41056
Charter Head of School
El Dorado Hills, CA
Elementary Directress
Long Grove, IL
Founded in 1975, the Montessori School of Long Grove is located on 2.5 acres and is close enough to Chicago for going out trips to take advantage of the culture and entertainment the city has to offer. Outdoor space for scientific exploration with animals and vegetable garden. Beautiful classroom with natural light and complete set of materials. Supportive parent community.
Accepting resumes from candidates with AMI 6-12 certification for the 2014-15 school year. Experience working with children ages 9 – 12 a plus. The successful applicant will possess initiative, leadership, management, and organizational skills. In addition, the ability to plan creatively, problem solve and communicate effectively with staff, parents, and students. Salary commensurate with experience and qualifications.
Contact: Lyn Pearson, Montessori School of Long Grove, 1115 RFD, Long Grove, IL 60047;
Turtle River Montessori
Jupiter, Florida
A well established Montessori school with two beautiful campuses serving over 250 children ranging in age from 2 years old through Middle School is currently accepting applications. Located in a beautiful beach community north of Miami in a state of the art Leed's certified building.
Teachers Pre-primary (2-3), Primary (3-6), elementary (6-9 and 9-11) and Middle School professionals. Interested candidates must have Montessori teaching credential and a Bachelors Degree, experienced preferred.
Administrative Director seeking a dynamic enthusiastic individual with strong administrative, interpersonal skills, along with a track record of leadership. A bachelor's degree and experience is required. Montessori background is preferred.
Competitive Salary and benefits provided.
Montessori Administrator
Morrisville, NC
Immediate opening for experienced Montessori administrator in an established Montessori and charter pre-K-8 school in Morrisville, NC. The successful applicant will possess initiative, leadership, management, and organizational skills. In addition, the ability to problem solve and communicate effectively with staff, parents, children, and board of directors is imperative. Position requires at least 5 years as a lead teacher and 3 years as an administrator and is designed to lead to Executive Director position on the retirement of the current ED. Salary commensurate with experience. Please visit our website at
for more information.
Children's Garden Montessori School, Denver, CO
Contact: Jayne Palu, Search Committee Chair
Start Date: June, 2014
Children's Garden Montessori School (CGMS) is seeking a talented leader and educator as its Head of School (HOS) commencing with the 2014/15 school year when our current Head of School retires. We are in our 40th year providing nurturing and child-centered Montessori education to students aged 18 months to 6 years. The HOS serves as the school's chief executive, responsible for overseeing all aspects of the school's operation and implementing its educational mandate and strategic priorities. The new HOS will join a successful, vibrant preschool and work with dedicated teachers, experienced administrative and admissions personnel, and committed board members in guiding CGMS into its next chapter.
To learn more about this opportunity, interested candidates should visit the school's website at http://cgmontessori.com/our-school/head-school-search/.
Fairfield County, CT
The Montessori School, located in Fairfield County, CT, seeks a committed Director to lead a community of children, ages of fourteen months through eighth grade, 39 faculty, and 12 staff. The position description may be accessed at http://www.carneysandoe.com/web/positions/Montessori.pdf
Head of School
Southern California & San Francisco, CA
International Montessori School-Hong Kong
Primary Principal
Effective July 1, 2014
International Montessori School of Hong Kong seeks a Primary School (ages 2-12) Principal for its new purpose-built campus in Stanley. The successful candidate will be a proven instructional leader with the ability to inspire and motivate students and faculty; who appreciates the School's Montessori mission and vision; has a passion for and understanding of an international and bi-lingual education; and who will partner with parents in preparing students for continued success in school and in life. The successful candidate will have earned an advanced degree; held one or more senior management positions for three or more years; and have deep Primary School experience. Candidates who have a working knowledge of the IB will have an advantage. The ability to speak Chinese would be a plus but is not a requirement of the position.
Reporting to the two School Founders, the Principal will be expected to:
- Celebrate, advance and be loyal to the mission and vision of IMS and ensure that the overall operation of the Stanley Campus reflects that mission and vision.
- Be responsible for the efficient operation of all aspects of the day to day management of the Stanley Campus.
- Oversee overall program development to maintain high standards of excellence and an environment of intellectual curiosity and excitement for students with a range of backgrounds and abilities.
- Maintain communications and excellent relations with the best secondary schools in Hong Kong and advocate for students who will transfer to overseas schools.
- Delegate appropriately to faculty and staff while setting an example of continuous improvement and teamwork.
- Develop, inspire, mentor, supervise and evaluate a diverse and talented faculty and staff to preserve high quality and consistency in the delivery of the academic program.
- Cultivate a positive relationship with students and be accessible to them.
- Keep channels of communication open with parents about student progress and integrate parents into all aspects of school life in accordance with the Montessori philosophy.
- Serve as an integral and productive member of the School Management Committee (SMC) which is responsible for setting policy and strategic direction, approving the operating budget and overseeing the operations of the School.
- Engage in a regular, open dialogue with the Founders including progress on initiatives as established by the Founders and the SMC.
IMS remains the only Montessori Kindergarten cum Primary School in Hong Kong, and currently operates 3 campuses on Hong Kong Island, serving an international community of over 600 children aged 2 to 12 years old. IMS aims to expand upon its position as the leading English/Chinese dual-language Montessori school in the world, and to make this Primary curriculum available to all international families in Hong Kong who seek it for their children.
With a capacity of 700 students, the Stanley campus is poised to double IMS' enrollment to 1,300 students of kindergarten and primary age by 2019.
To learn more about IMS Hong Kong please visit our website: http://www.montessori.edu.hk/IMS
An Invitation to Apply
IMS invites applications from qualified candidates excited by its mission, vision and unique opportunities. Compensation will be competitive, appropriate for the candidate's experience and credentials and commensurate with that offered by similar international schools regionally and worldwide.
The new Principal of the Primary School at Stanley will assume responsibility on July 1, 2014. Inquiries and questions regarding this position are strictly confidential and should be directed to:
John C. Littleford
Littleford & Associates
PO Box 14806
Baton Rouge, LA 70898
Phone: 1-800-69TEACH
Fax: (225) 291-2806
Please provide the following: CV, Statement of Educational Philosophy and three references. Electronic submission is preferred.
Head of School (MA)
Harborlight-Stoneridge Montessori School in Beverly MA (www.h-sms.org), serving 300 students from age 6 months through 8th grade seeks a head of school beginning July 2014. H-SMS seeks an experienced independent school leader who will enthusiastically embrace the school's mission. Prior experience in a Montessori educational environment is certainly welcome but not a pre-requisite. The new head will be a leader who:
- Has a track record as a successful classroom teacher and as an experienced educational leader
- Has a management style that inspires and instills confidence, balancing decisiveness with collaboration and process
- Has track records of successful relationship building, fund raising, admissions and marketing
- Is visionary and has the communication and personal skills to build community and support
- Is an articulate communicator who listens well and is an effective team builder
Teaching Positions Available
Lakeland, Florida - Hiring Upper Elementary Lead Teacher/Curriculum Coordinator
Want to be part of something special? Lakeland Montessori is in its eleventh year as a well-established, Montessori charter school in beautiful Lakeland, FL. Lakeland Montessori is an advocate of authentic Montessori education and adheres to the Montessori curriculum without watering it down for public education requirements.
Conveniently located between Tampa and Orlando, Lakeland is home to Florida Southern College and offers a variety of arts and cultural opportunities. Our schools serve students from age three through eighth grade. More information can be found on our website at www.lakelandmontessori.com.
We are accepting applications for a Lead Teacher in our Upper Elementary classroom (ages 9-12, grades 4-6). Salary is based on the School Board of Polk County Teacher Salary Schedule. Benefits include paid holidays and sick time, medical insurance, retirement, and enrollment preference for children of employees. We will arrange for Montessori training through a MACTE accredited teacher training program.
If applicant has a minimum of 5 years as a MACTE Montessori elementary teacher, a salary supplement is also available to serve in the school leadership position of Elementary Curriculum Coordinator.
Toddler Guides
San Francisco, CA
Waikato Montessori Education Centre
Hamilton, New Zealand
6-12yrs guide required
We are an independent (private) Montessori school in Hamilton, NZ. We aim for a classic Montessori programme where staff plan according to the children's needs – not a prescribed government determined curriculum.
A candidate who could lead the 9-12yrs class (of 12 children), and also guide the staff of the 6-9yrs class is required.
We seek a guide with initiative and passion for the fundamentals of Montessori within a family friendly community.
NZ teacher registration is required as is a valid work visa for NZ. These are obtainable by candidates with US tertiary educational qualifications to support their Montessori training.
Please send your CV with expression of interest to :
Diane Bhana (Head of School)
To find out more about us visit www.goldenbeads.org.nz , or, find and Like us on Facebook: montessoriwaikato
Wayne NJ
Trumansburg, NY
We are an established school located in a college town in the beautiful Finger lakes Region of Upstate New York. We are seeking an Upper Elementary Guide to join our teaching team beginning in the August 2014 as we continue to grow. Competitive salary, benefits, and a wonderful, supportive work environment.
Contact: Brigid Beames, Head of School
Middle School Teachers Needed!!
Palm Harbor, FL
Poway, CA
AMI or AMS trained for an established 3-6 traditional Montessori Classroom. Farm and gardens a part of the environment. We are looking for a teacher with 5 + years of experience as head teacher in 3-6 classroom that can bring enthusiasm to both the indoor and outdoor environment.
Must be able to perform all physical duties as they relate to caring for young children. Communication skills verbal and written are important to the job. Must be a Montessori teacher who is committed to "real" Montessori learning.
Lead Montessori Teachers
North Fork Valley of Western Colorado
Lead Montessori Teachers needed: Motivated Primary, Lower and Upper
Elementary Teachers wanted. First time offer to teach at our expanding public
Montessori school in the beautiful North Fork Valley of Western Colorado. Our
Valley offers beautiful vistas, a wonderful outdoor lifestyle, and numerous organic
farms. NFCMS has received multiple academic awards from the Colorado
Department of Education. We will be a School of Innovation committed to
Montessori principles, but adaptable to the Common Core. AMI Head of School.
Sewickley, PA
Children's House, Lower Elementary, and Middle School Teachers
Full-time for committed candidate with Early Childhood or Elementary state certification and AMS training or willingness to take training this summer.
Competitive salary, Professional development, peaceful and nurturing environment in established Montessori classrooms.
Laporte, IN
Renaissance Academy is a growing PreK-8 Montessori charter school in search of teachers for primary, lower and upper elementary and middle school.
Please visit our website http://www.rschool.net/job-opportunities/ for information on qualifications and the application process.
Upper Elementary Montessori Teacher
San Jose, CA
One World Montessori School is a well-established Montessori environment in San Jose, 50 miles south of San Francisco. We are currently seeking a fully-qualified Upper Elementary Montessori Trained Teacher starting for the 2014-2015 school year. The position will be full-time (8:30 am - 3:30 pm).
Candidates must have his/her Upper Elementary Montessori Certification. Prior experience in a Montessori 9-12 classroom environment is essential.
Our benefits package includes medical, dental, and life insurance, paid vacation and sick days. Salary will be commensurate with training and experience.
Public Montessori Teachers
Henderson, Nevada
Silver Sands Montessori Charter School is a K-8 public Montessori Charter school hiring for SY 2014-2015. We are in search of licensed teachers for kindergarten, lower and upper elementary and middle school. Please visit our website http://silversandsmcs.org/Join_Us.html for information on qualifications and application process.
The NewGate School in Sarasota, Florida
NewGate is The Lab School of The Montessori Foundation. As we continue to grow, we anticipate that we will have openings available on our faculty at every age level from toddlers through the 12th grade. We are always looking for outstanding Montessori educators who would like to join our close-knit Montessori learning community. As a lab school, out faculty works with the Montessori Foundation's in curriculum and program development.
Creō Montessori School Exciting Opportunity For Elementary Montessori Guides
Creō = "Creativity"
The Creō Montessori School will open in the fall of 2014. It is being founded by a small group of committed Montessori parents who are working closely with Tim Seldin and the Montessori Foundation to develop a world-class Montessori school from the ground up.
Gilbert, Arizona is a town that flourishes as a forward-looking, family oriented community with a small town atmosphere. Gilbert has the resources to grow as a quality community. It is well educated and young families are finding in Gilbert a perfect place to raise their families.
Creo has chosen Gilbert as its location since there is a great need for private secular, forward thinking schools. Creo will be one of the only private schools in the area and the only Private Montessori Elementary school within a 10 mile radius.
They will open with early childhood and elementary, extending upward through the secondary level. We hope to reach an enrollment of 120 students ages 3 through 12 years old by the end of the 2014-2015 school year.
The school is affiliated with the International Montessori Council and the American Montessori Society.
The school is looking for a Montessori lead teacher with the right balance of charisma, patience, energy, vision, professional education, and effective communication skills. An AMI/AMS certificate, 4 year college degree and 3 years teaching Montesssori is a must. Community building, and public relations skills that will ensure he or she will lead the Creō Montessori classroom.
We begin August 1, 2014, thus time is of the essence.
Part Time Middle School Math Teacher
Campbell, CA
Casa di Mir Montessori School is seeking a credentialed Montessori teacher. The ideal candidate will possess a current California teaching credential in math or related subject and have at least two years' experience teaching adolescents. We are seeking a mature and enthusiastic individual with excellent English language communication skills and the ability to work effectively as part of a team.
Montessori Teacher for Private Tutor/Nanny
in United Arab Emirates (TAX FREE)
A private family in Abu Dhabi (UAE) requires a qualified Montessori Teacher as a full time Tutor for their 4 year old son. The candidate must have experience in Montessori methods/equipment and early-childhood care, be fluent in English with excellent communication skills, a positive demeanour, be trustworthy and reliable.
This is an amazing lifestyle opportunity to experience a culturally rich and diverse part of the world for a 1 or 2 year contract.
To be considered you must have:
• Montessori Teaching Qualification
• Early Childhood teaching experience
• Salary USD $40,000 (paid Tax Free) negotiable on experience
• Accommodation Provided
• Annual Air Ticket
• Medical Insurance
Start Date: Immediate / ASAP
To Apply:
Montessori Teachers
Palm Harbor, FL
English Montessori Director/Directress
We are looking for English Montessori Director/Directress: age 3 years-6 years to join us in January 2014.
Requirements :
- Hold a recognized Montessori certificate
- Hold a bachelor's degree (degree in teaching preferred)
- Be a fluent English speaker
- 2 years work experience is preferred
We provide competitive conditions.
Website: www.daystarchina.cn
Director of Early Childhood
Boston, MA
Lower Elementary Lead Guide
Lutherville-Timonium, MD
Greenspring Montessori School in Lutherville, Maryland is seeking a kind, loving, experienced and mature Lead Guide, supporting a new Montessori guide in the Lower Elementary Classroom. Must be well versed in and committed to Cosmic Education! Must have Montessori credential and two years teaching experience. Position starts ASAP. To read full job description, please visit our website: http://www.greenspringmontessori.org/about-us/employment
Certified Montessori Toddler/Pre-Primary Teacher
Naples, FL
Ages 2-3 years, must have experience in the field of Montessori Education and hold a Montessori certificate in ages required. Florida childcare training classes & Background Screening also required. 30 - 35+ hours per week. Please contact the school for more information.
AMI Trained Elementary Guide
San Diego, CA
Mandarin & Spanish Language Immersion Montessori Guides
Irvine, CA
Toddler & Primary Guides
Southern California & San Francisco, CA
Put your Montessori connections to use!
Join our team, work from anywhere in the US, work at your own pace.
Our sign in/sign out software is doing great in Seattle. Help us expand Nationally. If you can present to Montessori officials, you will excel at this.
New technology to manage chaos and security during dismissal time -
Dismissal time at schools is known to be one of the most chaotic and frustrating event for parents and school staff daily.
Let QManager help you or your child's school reduce this chaos and increase security. Visit www.QuickQueues.com or
call 206-422-9957 now.
Last Updated (Thursday, 14 August 2014 17:59)


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BRONSON, MI (WTVB) - In Branch County high school sports, there was a limited schedule of events Monday with only one varsity game, a non-conference contest in girl's basketball and Bronson was a winner at home over Napoleon 48-to-35. It was the fourth straight victory for the Lady Vikings with Skyler Sobeski leading the way with 22 points. Mallorie Bassage had a team-high 9 rebounds along with six points. Bronson pulled out to a 9-to-2 lead at the end of the first quarter and went ahead 21-to-9 at the break on the way to the 13-point victory.
The Lady Vikings improved to 8-and-4 and take the next week off before returning to action next Tuesday at Prairie Heights. In last night's j-v game, Napoleon beat Bronson 35-to-25 with 6 points for Alexa Ratkowski along with 5 points and 11 rebounds for Kirin Cekander.
And yesterday in freshman boy's and girl's basketball, it was a split for Coldwater at Pennfield. The visiting Cardinals won the boy's game 55-to-27 with 16 points and 15 rebounds for Brendan Spangler.
In the Coldwater girl's loss, Megan Hoath had 9 points for the Lady Cardinals. Tonight's high school schedule includes a Branch County matchup in girl's basketball and we'll have it for you on the radio as Coldwater plays at home against Union City. The j-v game tips off at six o'clock with the varsity set to follow at 7:30.
Our live coverage on AM 1590 and FM 95.5 starts at 7 o'clock when we'll also be streaming the audio on-line at wtvbam.com.
Tonight in boy's basketball, in Big 8 Conference play, it's Quincy at home against Concord while Union City is at Reading. It's a night off for Coldwater with the Cardinal's boy's team returning to action Friday at Sturgis.
And tonight in gymnastics, Coldwater has a conference meet at home against Saline.
oday on the Coaches Corner, it's Quincy girl's basketball coach Dana Clark.

subset: commoncrawl


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Tracey Cline's appeal has been denied by the North Carolina Court of Appeals in a ruling released Tuesday.
"The trial court's rulings did not violate appellant's right to due process," the Court of Appeals wrote.
Cline, the former Durham district attorney, was suspended in January 2012 and removed from office in March 2012. Her downfall began after a series of articles in The News & Observer critical of her performance and after she blasted Durham Superior Court Judge Orlando Hudson, claiming he was biased against her.
Cline, who became Durham's district attorney in 2008, wanted Hudson removed from cases in her county.
Read the Court of Appeals ruling here
Recently, Cline, who has served as DA since 2008, made what some consider inflammatory accusations against Superior Court Judge Orlando Hudson, claiming a bias against her. She wanted him removed from cases in her county.
The trial court noted that Cline accused Hudson of "moral turpitude, dishonesty and corruption" and "kidnapping the rights of victims and their families." The trial court found those words to be a "malicious, direct attack" on Hudson.
The appeals ruling included some harsh words for Cline. The court wrote, "We hold that the findings of fact supported the trial court's conclusion that Cline acted with actual malice. Statements made with actual malice are not protected by the First Amendment."


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UNDATED (WSAU) A man arrested in Michigan on illegal gun charges is a suspect in two Central Wisconsin robberies. 23-year-old Matthew J. Dupleasis is accused of a home invasion in Wausau last June. Everest-Metro police say he's also a person of interest in the Little Caesar's pizzeria robbery from last May. There was at least one accomplice who hasn't been identified in both cases.
He'll be sent to Marathon County to be formally charged once his case in Michigan is resolved.
Dupleasis was arrested in Marquette County, Michigan after police found two guns and drug-manufacturing equipment in his car after a traffic stop.


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Sorry! There are no remaining departures for "Historic Parks of the American Southwest" (NUSWD), but here are some similar trips.
Exploring breathtaking national parks and monuments, Experiencing the ruins of Mesa Verde and ancient cliff dwellings, Traversing Monument Valley by 4x4 with an expert Navajo guide.
There are no departure dates currently available for the rest of this season. Some tours only run during parts of the year.
Please Contact Us to inquire about dates for next season, or to discuss other tour options.
You're always looking to get to the bottom of things—and there's no better way to see the Grand Canyon than by staring up at it from deep within its heart. Welcome to a place where everything's larger than life—big sky, big ruins and grand canyons. Whether by 4x4 or on foot, our handpicked tour guides will connect you to the vast expanses of the American Southwest. From cliff-top panoramas to the culture and legacy of Native American traditions, this region is sure to leave a sizeable impression.
Arrive at any time.
Transfer to Zion National Park with its variety of trails for hikers and outdoor enthusiasts. We spend the next two days on various day hikes and explorations through the Park.
We spend the day exploring the great outdoors hiking the Zion Canyon area.
Transfer to Bryce Canyon where we explore the fascinating hoodoos and learn about the captivating history of the area.
Scenic drive through the Escalante Staircase area arriving in Canyonlands Park later in the afternoon for a hike.
Today we spend the day in Arches National Park, hiking to various viewpoints and observing the red sandstone arches that highlight the area.
We explore Mesa Verde National Park which contains the largest and most important archaeological preserve of Native American culture and ancient cliff-side cities in the US.
Embark on a ranger-guided visit of the Mesa Verde area. Continue on to Monument Valley which lies entirely within the Navajo Reservation. Here we explore in 4X4 vehicles with a local Navajo guide and visit local artisan shops.
Today we visit the Navajo National Monument and take a park ranger guided hike of the Betatakin (Bitát'ahkin in Navajo) cliff dwellings. Later we enjoy a sunset view of the Grand Canyon.
Day hike to the heart of Grand Canyon National Park at Indian Garden and the Plateau Point Trail. Option to take a helicopter flight.
Travel to Las Vegas, option to explore the city.
Depart at any time.


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The AJL Podcast brings you the best talks on Jewish literature and the Jewish library world, with respected experts and popular authors. Please check back periodically, as new lectures will be added to the series.
You can subscribe to the AJL Podcast via iTunes or by entering http://feeds.feedburner.com/ajlpodcast into your favorite feed reader. You can also receive new posts via email. Or listen to the latest episode by phone at (651) 925-2538.
Use the links on the left to select a category of interest or to use our index.
In 1982, after moving to a planned community thirty miles north of Houston, Dede Fox Ducharme and her family joined a small congregation that met with visiting rabbis in various locations. As Beth Shalom of The Woodlands grew into a synagogue with 170 families, a rabbi and a building, many families expressed the need for a synagogue library. What began as a couple of boxes of donated books and a pile of index cards eventually grew into a meticulously designed, automated library with 2,000 cataloged books, a children's area, a small bank of computers, a display case, and a Torah study table. Follow Dede's journey from parent, religious school teacher, and board representative to synagogue librarian as, little by little, she and her spiritual community built something from nothing.
Presented by Dede Fox Ducharme at the 2013 AJL Conference in Houston, TX.
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36 reviews
By installing you agree to the Terms of Use and other terms
PublisherJundroo, LLC
More from Jundroo, LLC
Download size16 MB
Last updated2/3/2014
Works with
- Windows Phone 8.1
- Windows Phone 8
App requires
- data services
- HD720P (720x1280)
- WVGA (480x800)
- WXGA (768x1280)
Supported languages (1)
English (United States)
Design your own rocket ships. Blast off into space. Explore the solar system. See if you have what it takes to be a rocket scientist. CREATE Choose and connect parts together to build rocket ships. You can choose from a variety of rocket engines, fuel tanks, and other gizmos. You can even build rovers with powered wheels. You are only limited by your imagination. EXPLORE Blast off from any planet you want. You can fly through the intense atmosphere of Venus, or you can take advantage of the low gravity of Mercury. Whip around the sun and launch yourself out to the far reaches of the solar system. CHALLENGES Several challenges are built into the game so you can see who can go the fastest, fly the farthest, orbit with the least amount of fuel, land on the moon, and so much more. ROCKET SCIENCE Kepler wrote the equations 400 years ago, and SimpleRockets uses those equations to model extremely realistic orbital physics. Players will learn about rocket science and astrodynamics while they are having a blast exploring the solar system. This makes SimpleRockets ideal for the classroom, or as a healthy alternative to the barrage of brainless games available on the App Store. FEATURES * Build rockets however you want * Configure rocket stages * Launch from any planet in the solar system * Realistic rocket physics and orbital physics * Sandbox mode
8/29/2014This game is cool... Deducted 1 star just for the sound issue...
5/13/2014I loved this game but now it crashes everytime I go to the map during orbit
4/30/2014The sounds doesn't work is the biggest problem.Fix it as soon as possible and it can be rated 5 stars.
4/28/2014Lags on my Lumia 920 with 8.1 update.
4/3/2014Love the game so #indie
3/22/2014The game was awesome for a few days, and then the bugs started. First, obviously, there's no sound. Then the screen occasionally goes black. And the worst, now everytime I play, it crashes if I go between map and rocket view. Please fix, because I love this game.
11/25/2013Very fun, would be nice to add user created rocket assemblies, for faster building of complex rockets.
11/25/2013Misleading title. Not simple
11/25/2013Amazing game. Sure beats the "other" platforms **** apps.


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Arcadia Short Sale Education Seminar
Short Sales Done EZ
Tuesday, January 29, 2013 from 9:00 AM to 12:00 PM (PST)
Arcadia, CA
Event Details
Short Sales are a Difficult and Time Consuming Process. Learn best practices, need to know details and the process from start to finish.
Come join us for a day of mind-blowing training! Bring your mind clear and ready to take it all in! We will cover EVERYTHING short sales! And we mean EVERYTHING!
Have questions about Arcadia Short Sale Education Seminar? Contact Short Sales Done EZ
When & Where
Arcadia Association of Realtors
601 S 1st Ave
Tuesday, January 29, 2013 from 9:00 AM to 12:00 PM (PST)
Add to my calendar


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Signpost (Weber, Utah), 2007-03-071
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r - I mnirm r - 1 i -J j K Jdhtt'fidilmin' Best buys for book buys See page 4 V WEBtK 5IA1E UNIVERSITY i f , S? 'f ICTlDOSt &W - MMEQM2 4 . m . . Full tourney coverage See page 6 6 9 Mi Jt r-'.'i An artist's rendering of what the buildings along the mountainside parcel east of Skyline Drive would look like near the Swenson Stadium and Science Lab Building on the main Weber State University campus. About 56 of the parcel's 120 acres are buildable. President Millner wears 'many hats' Millner's job includes several roles and tasks that often go unnoticed By Amber Hall sr. news reporter I The Signpost This is the second of a two-part series examining the role of a university president. The first part was printed on March 5. With a unique background to qualify her for the role of university president, E Ann Millner became the 11th president of Weber State University in 2002. She has been a teacher, funclraTser.WSU vice-president of university relations and on many boards in the community, including president of the OgdenWeber Chamber of Commerce. "President Millner has a unique series of roles that qualify her for the multiple roles she is asked to handle," said John Kowalewski, WSU Media Relations director. Millner said fundraising for WSU has become an important part of her job. "To keep tuition down, President Millner has been out mere tapping into other sources of revenue because the legislature gives less and less money for running a school," said Frank Guliuzza, political science and philosophy See President page 5 WSU ROTC is best in the West ROTC receives General Douglas MacArthur Award for best battalion By Amber Hall sr. news reporter I The Signpost The Weber State University Army ROTC program received the General Douglas MacArthur Award for best battalion in the Western region for large school category. The award recognizes outstanding Army ROTC programs based on physical fitness, academic -performance, the number of second lieutenants commissioned by the unit and performance at the summer ROTC Leadership Development Course. See ROTC page 5 3K -'V-I- I'lKIIOBYMAKIAVIUAStNORl " M .M' ' Lt. Col. James Adams (left) and Sgt. Major Alan Higgs (right) discuss the award given to Weber State University's ROTC program. . M V TIM ' T .: i fcsci - tn.'. SOUKCfc: VVSU MtDIA KbLAIIUNS 'Big Sky, 'Big hopes J x - Special agent tells of life in the FBI FBI Special Agent importance of the By Amber Hall sr. news reporter I The Signpost To kick off the annual Weber State University BISHonors week, and in conjunction with the annual Criminal Justice Career Fair, FBI Special Agent Dan Bingham spoke to a group of students. Bingham, who worked on his schooling through the HonorsBIS program, said an integrated program is critical and gives a student balance. "It gives you the chance to be effective," Bingham said. "Every day is different in the FBI, which the integrated studies program helped with." WSU IIonorsBIS Senator Brad Wahlstrom said he and many others Report: Mountainside land is worth more if kept and developed than if sold By Maria Villasenor editor in chief The Signpost Barney B. Chapman said he considers the Weber State University-owned land east of Skyline Drive to be the WSU's "golden egg-" "And that golden egg is the future of the university," said Chapman, vice chair of the WSU Board of Trustees. "In order for us to grow and expand we need property to do that. This will allow us to do just that." Chapman and other members of the Board of Trustees met with university a v ' t :v 3 v i w y X ., PHOIOS BY MATT CLASS Bingham emphasizes BISHonors program have been planning this week's events since last summer. "We are trying to emphasize die importance of tire honors programs and what it contributes to tire campus," Wahlstrom said. "The entire campus is invited and can benefit from the events going on this week." This week there will be two more guest speakers who have graduated from the BIS I Ionors program at WSU. "We are having them come to show students how tire program can be beneficial to a career in the government, military and in the private sector," Bingham said. "The kinds of classes you have been taking and the political science classes that I took and the languages classes and some of the struggles thai you're finding through talking about counterterrorism - 1 " ' "7 . - ' " ...... :. ... . . h . f . k ; 4 L . , I - r-'v - S 1 i t. e leaders Tuesday at the WSU-Davis Campus to hear an economic analysis of the land. Ultimately, the report found that if WSU were to sell the land to a residential builder, the university would bring in $10 million, but the land's value as a site for new campus buildings is between $40 million and $47 million. The study concluded "the Mountainside Parcel is considerably more valuable to Weber State University as expansion land than the alternative use of developed residential land." See Land page 7 ------j Wildcats head to Championship The Weber State University Men's Basketball Team will play in the Big Sky Conference Championship final after deafeating Portland State University, 77-74. The Wildcats will face the Northern Arizona University Lumberjacks tonight at 7:05 p.m. in a game to be broadcast on ESPN2. Above: Dezmon Harris drives the ball to the hoop. Harris led the 'Cats with 15 points. Left: David Patten shoots through Portland State defenders. Patten scored 14 points in the game. IHt iC.NPCb tiiese classes start sticking out." Bingham has worked for the FBI in many places and positions, including Washington D.C. during 9-11 and in Europe. "He has a FBI Agent Dan Bingham unique perspective and brings a lot of experience," said WSU criminal justice senior Karl Gold. Bingham advised students to get involved in the IIonorsBIS program to get diversity in education as well as traveling. "Whatever you do in your studies or careers," Bingham said, "go and take a trip Sec FBI page 5 v i r v A Hens in Brief WSU takes hit in student enrollment According to the Utah System of 1 ligher Education, Weber State University had the largest slump in enrollment for this year's spring semester compared to the other institutions of higher education within Utah. WSU's enrollment is currently 17,013, which reflects a drop of 581 students compared to last spring. Although spring semester's enrollment was down, WSU only had a decrease of 233 full-time students. "The number we focus on more carefully is the full-time equivalent," said WSU Provost Michael Vaughan. "Term to term fluctuations aren't unusual, and are not especially meaningful." Vaughan said It, was more important to ' look at the enrollment trend throughout a twenty-year period of time. "The long run trend is clearly up," Vaughan said, "and there has never been a significant period where we didn't have an increase in enrollment. If you go back about ten years, we're up about 4 thousand, actually over 4 thousand students over that decade." Only two of the nine USHE institutions saw an increase in the enrollment of full time students this spring. Utah Valley State College's increase of 406 full-time students was the largest in the state, followed bySouthern Utah University with 184 additional full-time students. OgsJen City to stress its Transportation Horizons' The Ogden City Council will meet March 8 at 5 p.m. to examine Ogden's growing transportation needs. The work session will be held in the City Council Chambers located at 2549 Washington Blvd, and is open to the public. Several organizations will present, issues relating to the current transportation situation and Ogden's future in transportation. Although the public will not be able to address the council or the presenters during the meeting, there will be time before and after the session to meet with them. The public will be able to view displays that will be set up in the hall outside of the Council Chambers, and can download information packetsafterthepresentation at www.ogdencity.com. For further information about Ogden City Council's "Transportation Horizons" work session, contact Ogden City Council Communications Specialist Chad Phares at 629-8629, or e-mail chadphares ci. ogden. ut. us. Faculty awarded for years of service Weber State University honored faculty members and retirees on Tuesday for their many years of service at the Faculty Awards Luncheon. VVSU Provost Michael Vaughan presented the service awards and recognized the retirees, while WSU president E Ann Millner awarded the John S. 1 linckley Fellow Award to English professor Michael YVutz ami the Exemplary Collaboration Award to those who produced, directed and participated in WSU's performance of "Demolition Derby."
Object Description
|Signpost (Weber, Utah), 2007-03-07, Vol. 69, No. 70
|Weber State University
|Associated Students of Weber State University; A generous grant from the Utah State Library and the Institute of Museum and Library Services.
|Weber's current student newspaper, the Signpost, first appeared on September 29, 1937. For two years prior to that time, campus news was disseminated via announcements posted on a bulletin board known as the "Signpost". As a result, the masthead of the first issue of the paper itself featured a rudimentary wooden sign with the title spelled out in rustic-looking letters. Over the years the paper has been published continuously, though the look, size and style has changed several times.
|Date Original
|College student newspapers and periodicals; Weber State University
|Digital Format
|Publisher Digital
|Stewart Library, Weber State University
|Date Digital
|University Archives LD5893.W55 S5, Stewart Library, Weber State University
|Digital Identifier
|Rights Management
|Public Domain. Courtesy of University Archives, Stewart Library, Weber State University.
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[Cold Cases]
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[News Releases]
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[Trooper Island]
[Return to Kentucky State Police Main Website]
For other Kentucky Government sites visit: [Kentucky.gov]
Home > 2008 News Releases > 2007 News Release > News Release
For More Information Contact:
Capt. David Jude
(502) 782-1780
KSP Safe Driving Tips Provide "Gift Of Life" For Christmas Holiday Travel
Date of News Release: 12/14/2007
(FRANKFORT, Ky.) - Whether driving across town or across the state, the Kentucky State Police are advising motorists to exercise added caution and flexibility on the highway during the Christmas holiday season.
"Holiday travel should always be taken seriously," advises Kentucky State Police Commissioner Rodney Brewer. "Don't let the joys of the season be ruined by an injury or fatality in a vehicle crash or an impaired driving arrest. Give the gift of life to yourself, your family and others during this special time of the season."
In 2006, more than 50 million motorists throughout the country made trips of more than 50 miles during the Christmas-New Year's holiday. Despite higher costs for gasoline this year, KSP expects highway travel through and within the state to match or exceed last year's level resulting in crowded conditions that could potentially create hazardous conditions. Nine people lost their lives in nine crashes on Kentucky roadways during last year's three-day Christmas holiday. Eight of the fatalities were not wearing seat belts and two were the result of alcohol-related crashes.
In order to save lives, the Kentucky State Police will be boosting its road patrols and operating safety checkpoints statewide beginning at 6:00 p.m. on Friday, Dec. 21 and ending at 11:59 p.m. on Tuesday, Dec. 25. For maximum effectiveness, troopers will coordinate enforcement activities with local police and sheriff's offices to target high-risk areas and use radar and laser equipment as well as passive alcohol sensors to assist their efforts.
KSP will also be participating in Operation CARE (Combined Accident Reduction Effort) from Dec. 21 through Dec. 23, a nationwide program designed to reduce fatalities on interstate highways and parkways by concentrating on speeding, impaired driving and failure to use seat belts.
"These three factors significantly affect highway fatality rates," says Brewer. "Troopers will be aggressively enforcing the law to save lives. Those who endanger themselves and others should know they will face serious consequences."
According to Capt. Tim Lucas, commander of the KSP Highway Safety Branch, Kentucky has recorded 814 highway fatalities through Dec. 13 of this year. Three-hundred-and-seventy deaths were motor vehicle occupants who were not wearing seat belts. Alcohol-related crashes have caused 193 deaths during the same time period.
"Safe driving requires good decision-making and good risk management," says Lucas. "It is serious business. Crashes are life-changing events that often have permanent consequences. And they don't always happen to the other guy. It could be you."
To boost your chances of surviving holiday road travel, KSP offers the following tips:
Citizens can contribute to highway safety during the holiday period by reporting erratic, impaired or speeding drivers to the KSP toll-free hotline at 1-800-222-5555 (in the state of Kentucky only, does not work out of state). Callers will remain anonymous and should give a description of the vehicle, location, direction of travel and license number, if possible.
Contact Information for the Kentucky State Police
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text:
Specialty Kitchen Appliances
Showing results 1 – 5 of 5.
Includes 3 Paraflexx Sheets, 10 - 8 x 10" sealable Mylar Bags, Emergency Food Storage & Survival Handbook
10 Pint Size Bags, 10 Quart Size Bags, one 8" x 20 ft. Continuous Roll, 1/2 Quart Round Storage Canister, 12" Seal Bar, One 11" x 20 ft. Continuous Roll.
Includes 25 Popcorn Bags, Measuring cups, Popcorn scoop. Choose between black or red, makes roughly 3 gallons of popcorn per batch
Fully automatic operation, FoodSaver® Heat-Seal Bags Quart and Gallon size, FreshSaver® Zipper Bags, 1 Lunch & Leftover Container and 1 Wine stopper
Includes: 4 VacuSeal Bottle Stoppers, Resuable Upright Pantry Bag, Various Sizes of Resealable Replacement Bags, Flexi Tube and Zip Disc


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The Gem and its staff were always a delight and quite personable when indivually approached. Only on the last wo days, in the MDR, was there a noticable declination of service. We had an MA balcony room, with an outstanding steward (ROLLY), and totally loved the night sea-air for sleepoing.
The age demographics were indeed a surprise, although we are a part of it. (How did we get here, so fast?)
We immediately signed up for the Chef's Table upon boarding, the to the Grand Pacific for a fine lunch to begin our adventure. The Chef's Table is always a guaranteed winner. Also, we experienced the Behind the Scenes Tour (exciting to see just how much involvement is required to maintain and please all on board. The Murder Mystery Dinner in Le Bristo, featuring the Second City crew, ran a close second place (be sure to be seated in view of the room center, though).
As posted by others, we had our share of rain, and frequently. However, our particular cruise mode is formost: relax, and enjoy. We were in our room much more than we thought we would - and enjoyed every minute of it - great view, fresh air, naps, snacks. Yes, we are easy to please.
Saw all Stardust shows, except Chef's Table night, and really enjoyed them all; the best was Jeff Harms!! Ate in both MDR, Blue Lagoon, and the buffet; and was generally pleased with the food selections and quallity (think I had the Grilled Shrimp Greek Salad almost every day).
Was a bit disappointed with the Free-style dining, as our only other cruise was on Carnival, and enjoyed meeting many other people at 6 or 8 place tables.
Enjoyed Halifax for shopping near the pier, and Corner Brook only offered more nap time, but really liked the musuem at Sydney, in the upper rooms at the pier shopping (rain not withstanding).
We decided not to take any shore excursions (due to knee problems), but thorouhgly enjoyed all of the ship's entertainment. We did walk through Lower Town, once again - there can never be disappointment with visiting Old Quebec City. Our return trip was blessed with pretty calm seas, and since we had our car atop the terminal, we avoided all the lines, and were in the last ten people off the ship. Our itenary will change, but we will definitely sail NCL again (we purchased an advance depost). And, I did mange to tell two other couples about Cruise Critic (I was soooo ahead of the game, with the knowledge I gleaned from all the great comments). Toilet rocked again this morning...


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DETROIT (WKZO) -- General Motors's overall U.S. sales in August increased by 15-percent over the same period last year. Retail sales were up 22-percent while fleet sales dropped eight-percent.
"The second half of 2013 is off to a very solid start for GM and our model-year change over," says GM Vice President Kurt McNeil, "and new product launches are going smoothly."
GM August sales were the highest of 2013 and the best since September 2008 when the global financial crisis began to accelerate.


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By Steve Phillips – bio | email
BILOXI, MS (WLOX) – I've loved the Biloxi lighthouse from the first time I saw it more than 21 years ago. That's why it was so rewarding to be on hand to cover the re-lighting ceremony at the historic landmark last week.
I've long been a history buff of sorts and the Biloxi lighthouse is chock full of colorful, interesting stories and folklore.
During my 18 years here at WLOX, I've had the opportunity to do several stories about the lighthouse. It's long been touted as the "most photographed" site in South Mississippi, and I believe it.
Especially during the summer, visitors taking snapshots of the lighthouse is a common site.
I'm amazed that this steel and brick structure has endured so many storms and hurricanes over the years. It was built in 1843, a real testament to the quality construction that went into this symbol of strength.
I've climbed to the top of the lighthouse several times, all while doing various news stories about the structure. The view from the top is spectacular.
I salute the contractor and anyone else who had a hand in the recent lighthouse restoration. It has never looked better. The shiny, white paint glistens in the sun and the bright light atop the tower illuminates the night.
I love the old time stories and folklore surrounding the lighthouse.
I find it fascinating that many of the earliest lighthouse tenders were women, carrying buckets of animal fat to the top of the tower to keep the light burning.
My favorite legend about the lighthouse involves the much-believed tale that it was painted black to mourn the passing of President Abraham Lincoln.
Actually, it was covered with pine tar as a preservative, but that idea was scrapped when it became difficult for the boat captains to see the marker amid a background of pine trees.
It's the only lighthouse in the country to stand in the middle of a highway.
I can't think of a better symbol for Biloxi and in fact, for all of South Mississippi. More than anything else, I think this historic tower came to represent the strength and endurance of the people here in the wake of Katrina.
I've taken several photographs of the lighthouse. But my favorite is a post-Katrina shot taken at sunset that shows the American flag waving from atop the battered landmark.
The Biloxi lighthouse visitor's center is now under construction. I think it's great that future generations of locals and visitors will have the opportunity to climb to the top of the lighthouse and truly appreciate its significance and endurance.
Shine proudly Biloxi lighthouse, you are truly one of a kind.
Copyright 2010 WLOX. All rights reserved.
208 DeBuys Road
Biloxi, MS 39531
(228) 896-1313
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- Sam Ash Gift Guides
- Hot Deals
- Guitars
- Bass
- Accessories
- Live Sound
- Keyboards
- Microphones & Wireless
- Recording
- DJ & Lighting
- Drums
- Books/DVDs
- Band/Orchestra
RTOM Moongel Drum Muffle Gel (Pack of 4)
Roc N Soc NR Nitro Gas Lift Drum Throne
Pearl CH70 Boom Arm Cymbal Holder (with Gear Tilter)
Vic Firth 5A American Classic Hickory Wood Tip Drumsticks
Kaces 46" Hardware Bag w/Wheels
KickPort Sonic Bass Drum Enhancer in Black
Drum Dial Precision Drum Tuner
(9 reviews)
Vater 5A Los Angeles Hickory Drumsticks
Vic Firth Stereo Isolation Headphones
(11 reviews)
Wuhan Cymbals 8" Splash Cymbal
Wuhan Cymbals 12" Wuhan China Cymbal
(6 reviews)
Evans 22" Clear EMAD2 Bass Drum Head
HQ Percussion Real Feel 12" Practice Pad
To automatically re-order this item before you run out, select the recurring order option during checkout.
Self-Attaching Cymbal Boom Arm with dual Aerodyne TiltersUnlike other cymbal attachments that adjust at only one axis, the boom and cymbal tilters on the Scissor Lift feature the Aerodyne infinite-angle positioning system; allowing you to bend, twist, and move cymbals into the right spot with gearless precision.
|Scissor Lift (Short)


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A training log can help you get more from your workout. It will help you organize and save information about your exercise routine so you can work toward a specific goal.
For example, if you're training for a marathon, keeping a log can help you track how you run under various weather conditions or when you're following a special diet. You can record information about the prettiest routes if you're walking to enjoy the scenery.
Your log also can prod you to work out on those days when you're too tired or you think you're too busy.
Here's a brief rundown on what data you should record:
Distance (in miles and tenths for running, walking, or cycling; in laps or meters for swimming)
Time (in minutes, seconds, or fractions)
Intensity (in pounds, for strength training)
Other details (such as split times, when helpful)
Milestones (on the way to achieving your goals)
Personal bests
Depending on your fitness and training level, you may also want to record other information concerning:
Keep track of your pulse rate. Take two readings, one before you begin exercising and one at peak activity. Be sure to stay within your target heart zone.
Track how many hours of sleep you get. See how this entry affects your performance.
Keep track of your weight. You'll notice regular exercise helps you lose extra pounds and maintain a healthful weight.
Watch your diet. You may discover certain foods improve your performance.
Pay attention to any discomfort you feel. Note unusual aches or pains.
Write down the day and time you exercise. This information gives you a frame of reference and helps you maintain consistency.
Record weather conditions. Hot, cool, humid or pleasant? Noting this information will tell you under what conditions you work best.
Keep track of the road surface or equipment condition. Jot down a brief description for future reference.
Pay attention to the atmosphere. Pretty scenery may improve your performance, while a crowded gym may increase your tension.
Note the route you walked or ran, the training machines you used, or the aerobic exercises you completed.
Exercise can have an impact on your mood. Record how you felt at the start of a workout, then mention whether the workout changed your mood.
Write down your thoughts and feelings. Exercise frees many people from everyday worries and helps them use their minds more creatively. Let your thoughts flow from pen to paper.
Note which house has the loud, crabby dog, or what time of day a pool's lap lanes are crowded.
Jot down a route you'd like to run or walk again, or note a pair of really comfortable shoes.
The third-party content provided in the Health Library of phoebeputney.com is for informational purposes only and is not designed to diagnose or treat a health problem or disease, or replace the professional medical advice you receive from your physician. If you or your child has or suspect you may have a health problem, please consult your primary care physician. If you or your child may have a medical emergency, call your doctor or 911 or other emergency health care provider immediately in the United States or the appropriate health agency of your country. For more information regarding site usage, please visit: Privacy Information, Terms of Use or Disclaimer.
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Phoebe Putney Health System is a network of hospitals, family medicine clinics, rehab facilities, auxiliary services, and medical education training facilities. Founded in 1911,
Phoebe Putney Memorial Hospital (the flagship hospital) is one of Georgia's largest comprehensive regional medical centers. From the beginning, Phoebe's mission and vision
has been to bring the finest medical talent and technology to the citizens of Southwest Georgia, and to serve all citizens of the community regardless of ability to pay.


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A Silent War (Water Crisis and Flood) made by India in Bangladesh.
Source: Water Wars
Submitted by: Nahid Haimonty (email@example.com)
Welcome to Matikora. These kids settled in this village in northern Bangladesh as refugees from the floods. They've lost their home to floods more than once, which means they are wise beyond their years about seeking out the higher ground.
Through a WFP Food for Assets programme, the people of Matikora came together to make their village safer and more resilient to flood risks. Their efforts literally raised the ground in the village.
As a result, Matikora is a more than a temporary safe haven for these kids today. It's a village that raises the bar – as well as the ground – on how coming together to solve a problem makes a community stronger.
Photo Copyright: WFP/Frances Kennedy
A flood victim rides through the water using a homemade tall three-wheeler in Bang Phlad district, Bangkok on October 30, 2011. (Bazuki Muhammad/Reuters)
In Bangladesh, a UNICEF-supported programme helps children stay in school
When my grandparents' house in Bangladesh would flood inside, this is what we'd do as well.
Flood Crossing
Photograph by James P. Blair
Water completely defines Bangladesh. Every year floods sweep across much of the land. Catastrophic tropical cyclones bring storm surges as well as murderous winds. Yet the power of the water to destroy is almost equally matched by its power to create.
Passing paddies submerged by monsoon floods, villagers of Nishantapur slog over land that is both enriched and imperiled by the raging waters their nation struggles to tame.
—From "Bangladesh: When the Water Comes," June 1993, National Geographic magazine
Map reveals stark divide in who caused climate change and who's being hit
When the world's nations convene in Durban in November in the latest attempt to inch towards a global deal to tackle climate change, one fundamental principle will, as ever, underlie the negotiations.
Is is the contention that while rich, industrialised nations caused climate change through past carbon emissions, it is the developing world that is bearing the brunt. It follows from that, developing nations say, that the rich nations must therefore pay to enable the developing nations to both develop cleanly and adapt to the impacts of global warming.
The point is starkly illustrated in a new map of climate vulnerability (above (click image)): the rich global north has low vulnerability, the poor global south has high vulnerability. The map is produced by risk analysts Maplecroft by combining measures of the risk of climate change impacts, such as storms, floods, and droughts, with the social and financial ability of both communities and governments to cope. The top three most vulnerable nations reflect all these factors: Haiti, Bangladesh, Zimbabwe. (read more)
|For Earth Day (yesterday), a few words from "Climate Rage," Naomi Klein's 2009 essay on climate debt, collected in Bill McKibben's The Global Warming Reader. (via classicpenguin)
"Take calcium."
Choke by Chuck Palahniuk
"honest person and she would have told him to his face that she thought he was a jerk who knew how to fuck well and that was it."
Black Coffee Blues/124 words by Henry Rollins
"Brad wouldn't even let Patrick hold him, which seems rather sad to me because if I have sex with someone, I would want to hold them" The Perks of Being A Wallflower by Stephen Chbosky
"He paused beside a pillar, before the tomb of a long-dead Stark." A Game of Thrones by George R.R. Martin.
Sounds kind of kinky if you ask me.
"You remain in my path."
Illyria- Haunted
Uhh… I don't really know what to think…
"They did not sing or tell stories that day, even though the weather improved; nor the next day, nor the day after." - The Hobbit by J.R.R. Tolkien
Fuck. This means I'm never getting laid, doesn't it?
During the next year or two he had turned up fairly often, coming unexpectedly after dusk, and going off without warning before sunrise." - The Fellowship of the Ring by J.R.R. Tolkein
Oh. Okay then.
"Then there was a gorgeous row."
- The Hobbit, J.R.R Tolkien
I…don't know what that means…is that good? I don't know
"Their pollen has to spread from one plant to another, either by the wind or by birds or moths or bees."
-The Orchid Thief, by Susan Orlean
Well … yeah. Pretty much sums up the subject in general, doesn't it?
Ralph, however, gave no heed to this observation. "You like my father and you like Lord Warburton. I infer also that you like my mother."
-The Portrait Of A Lady, by Henry James.
"Managing to hoist myself up high enough to peer over the pink block wall, I scanned the yard."
—Bad Love, by Johnathan Kellerman
I…I'm going to be a voyeur?
"Stumbling along Halsted's crowded sidewalks, his dress uniform now as filthy as a set of battlefield fatigues, Avery fled from the paranoia of accusing glances to a dirty crawlspace beneath a riveted riser for the local maglev line— a repurposed brace from Chicago's old elevated railway, still recognizable despite centuries of shoring."
-Halo: Contact Harvest by Joseph Staten
uuhhh…..*is unsure*
'His side flared with pain and he uttered a short grunt.' … So… I'm gonna get stabbed while having sex…?
"I averted my gaze slightly, feeling my face starting to burn under his scrutiny."
((Dear lord what XD))
[[just in case you want to know, the book is "2001 A Space Odyssey" and the line is: "I'm very sorry - I can't say anything."]]
((Boy scout handbook…………….only one sentence on teh damn page "LEADERSHIP" Not sure what that means.))
((Page 45 of Official Xbox Magazine "Doing It Right"…haha.))
page 45 of Strange Attractors by Jeffrey A. Carver: "The question kept ringing back to him: Who had brought him here, and why?"
I'm going to be kidnapped?
(Miss Peregrine's Home For Peculiar Children)
In the Bedroom. It smelled of stale air and my grandfather's slightly sour cologne.
bologna, and white bread are the food of the gods-and ate them at the kitchen table.
(Duma Key written by Stephen King)


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Mortgage Prepayment Made Easy: Own Your Home in Half the Time
Published on - February 12th, 2008 (Modified on - March 8th, 2012) (by J.D. Roth)
Because I recently eliminated all of my non-mortgage debt, I have a significant positive cash flow. The $1,000 per month I was putting toward debt can now be used for investing. I'm making maximum contributions to my Roth IRA, of course, but that still leaves several hundred dollars each month available for other purposes. This has forced me to evaluate my financial goals.
Mortgage prepayment options
For the past year, Kris and I have discussed making accelerated payments on our mortgage. I've written about this choice several times at Get Rich Slowly, and it seems clear that mathematically it makes more sense to invest the money. However, it's also clear that eliminating a mortgage offers a tremendous psychological boost. I've never heard anyone say they regret owning their home outright.
I've researched a variety of mortgage acceleration schemes:
- Refinancing from a 30-year to a 15-year mortgage is appealing, but the interest rate drop (from 6.25%) isn't enough to make this worthwhile.
- I could sign up for my bank's bi-weekly payment program, but I don't like the enrollment fee, and I don't like the increase in paperwork.
- We could make an extra payment every year, or pay an extra $100 per month. But I feel like we could do more.
Ultimately, we decided to use the method described by Charles Givens in his 1988 best-seller Wealth Without Risk:
You can pay off your 30-year mortgage in half the time without refinancing by making extra principal payments. On the first of the month when you write your regular mortgage check, write a second check for the "principal only" portion of the next month's payment.
You can also use a prepayment calculator to figure out additional scenarios.
[Article Continued Below..]
Wealth without risk
For most of homeowners, the principal portion of a mortgage payment is quite small. For example, our February mortgage bill was $1681.79. Of this, $1119.16 was designated for interest, $295.19 for escrow (taxes and insurance), but only $267.44 for principal.
Using Givens' plan, if I include an extra $267.44 with my payment, I'll also knock off the next month's payment from my mortgage. That $267.44 accomplishes the same thing $1681.79 usually does, but at 16% of the normal monthly cost. That's a bargain.
The advantages this method are:
- It has a sliding degree of difficulty. At first, the extra principal payments are lower. But as we pay down the mortgage, these extra payments increase. We have time to "grow into" these increased payments.
- It's easy for us to back out. If we decide our money is better used elsewhere, we can simply stop making extra principal payments.
- Every time we make a payment, we're essentially making two payments, cutting the term of our mortgage in half.
After discussing the pros and cons, Kris and I have agreed to follow a modified version of Givens' plan. To make things simple, we're using round numbers. During 2008, for example, we're going to pay $2,000 toward our mortgage each month, which gives us an additional $318.21 against the principal.
Every January, we'll adjust how much extra we're paying. If our budget gets too tight, we can cut back at any time.
The drawbacks
To be fair, Givens doesn't recommend this method for low-interest mortgages like ours. He clearly states, "Never pay off low interest mortgages — those under 9%. Instead, use the extra money in a better investment." He wouldn't advocate using this method on a 6.25% mortgage.
The March 2008 issue of Consumer Reports has a brief exploration of this topic. Their conclusion?
Many people find peace of mind in paying off their mortgages and owning their homes outright, especially as they approach retirement. That can make an investment in your mortgage a worthy choice, psychologically if not financially.
Still, the bottom line, according to our Money Lab, is this: Although there are exceptions, chances are you'll be better off putting extra money into a good mutual fund, not into prepaying your mortgage.
"Did you see this article?" Kris asked me, after she finished reading it.
"Yes," I said. "What do you think?"
"I don't care" she said. "I want to do both. I want to invest and prepay the mortgage."
"So do I," I said.
Financial freedom
If we have a substantial emergency fund, if we're fully-funding our retirement plans, and if we're saving for other goals, I believe that paying down the mortgage makes sense for us. We understand that we're sacrificing some theoretical (and probable) future investment returns, but we're also working to create a financial situation that's easier for us to maintain in the long run.
If we have no mortgage, that's $1400 less each month that we have to pay in expenses (we'll still need to pay taxes and insurance). Since we split the payment, that's $700 less per month that I have to pay. Without a mortgage, my fixed expenses would be about $600/month. My total expenses would be about $950/month. This would provide tremendous freedom, granting me an opportunity to try things that I might not otherwise be able to do.
Another form of diversification
Every investment book I've read says that a smart investor diversifies his portfolio, putting some of his money into each of several different types of investments. I view prepaying the mortgage as diversification. Sure, the stock market will probably beat the 6.25% I'll earn by doing this, but it's guaranteed money. To me, it's better to put my money into my mortgage than into bonds, certificate of deposit or a high-yield savings account. Especially if we're entering a recession.
This article is about Choices, House and Home, Money Hacks, Planning
I'm curious about the costs that you say are associated with switching to twice-monthly payments; does the bank add fees or something? I chose twice-monthly payments because the savings on interest over the long term are significant. In addition to twice-monthly payments I'm also making extra payments toward my principal but using a somewhat different strategy than yours: instead of making those payments every month, I sock away what I can into an ING account so I can earn interest, and then once a year I will make a big payment from that toward my principal. The advantages of this approach are 1) I can earn interest on those payments instead of giving the money to the bank immediately, and 2) there's nothing like seeing your principal suddenly drop by a large amount.
Like you, I have a low-interest mortgage (5.24%) but I'm paying it off as fast as possible. As you say, it's not just a psychological matter, it's a quality of life issue: the sooner I can pay off my house, the more freedom I will have to cut back on my work or switch to other work that pays less but is more enjoyable. My fixed monthly expenses will drop by more than 50 percent, so if I decide to stick with my current job I'll also have a lot more free cash to save and invest. The drawback is that I'll be a lot closer to retirement when I do finally pay off the house (hopefully in less than 10 years from now, but still that means I'll be in my late 50s).
Do not forget about deducting your mortgage interest on your taxes. When you figure that in, the 8% ave return in the stock market looks a little bit better.
Nothing wrong with paying off your house! The thing about investments is there is risk involved. Sure, there is risk in owning your house, but if you pay it off early that is a guaranteed return. You could lose everything with the investments.
We're paying as much as we can on our 2nd mortgage (8.125%) simply because I base our investment returns on a conservative 8% return. Sure there is the tax deduction issue, but we probably won't be able to deduct the full amount.
On thing they don't talk about much is the situation we are in. We've owned our house for 5 years now, but my husband has gotten his masters and now we're looking at moving to an area where we will have to pay 50% more for a comparable house than what we have now. We've paid off about 5% of the loan in the 5 years we've lived here. In the next 5 years of living here, we would pay off more because we would be working on the 2nd 5 years of the loan, and it would snowball from there. But if you buy a different house every 5 years and pay the current price of real estate at that time, you can be retiring and still owe big money on your house. If we were to stay where we are, our house would increase in value, but we would only be paying on what we initially bought it for. So I'm thinking it might make sense to make those extra payments especially if you aren't planning to live in the same house until you die.
@rich: I like you, let's be friends. This is exactly what I mean!
I just got out of credit card debt this month ($11,000 or so paid off in 6 months). Now, like J.D. I have tons of extra money each month. If I prepaid my mortgage $2,000/mo, I'd have it paid off in less than 5 years. But if I saved $2,000/mo and got 6%, I'd have enough CASH to pay my mortgage off in 5 years, and that's not counting the tax deduction! It's the same thing, but with more security! It's the smart thing to do!
I have just purchased a house, I was not able to put down enough, so I have to pay PMI on the loan until I get it to 80%, does that make enough difference to be worth paying extra until that 80% mark is reached? My payments are about 1300/mo and I believe the PMI is around 90/mo that is lowered each year.
Gotta agree with Rich:
"The mathematical superiority of investing and the psychological boost from paying down debt."
There's a "win" with either of these. Pick which works best for you and go with it.
I just refinanced to a new type of mortgage that allows you to put money in to an equity account that lowers your payment but still allows you access to the money if you want or need it.
I didn't like the idea of paying extra money on my mortgage and not being able to get the money back if I wanted it…or not having my payment adjust because of it.
The mortgage has a payment that's recalculated every month based on the balance you have that month.
It's a perfect place to park cash, or emergency funds, or savings…because you're getting the immediate benefit of that money reducing your payment every month.
Much better than keeping money in a CD or Savings account etc.
Excuse my ignorance here, but what tax would you have to pay on that 8% investment return? Once that is factored in how much is your real return after tax. That is what you should use to compare to your mortgage interest rate to see if it makes sense to pay it off.
Perhaps another overlooked factor is everyone buying houses they can't afford. If you need a 30 year term to buy a house, in my mind you shouldn't own it. 25 year term should be the max and better yet do it in 20 or 15 years.
I tend to agree with JD. Invest what you can in retirement accounts and then kill off that mortgage. The amount of interest savings you can get in your first 10 years is HUGE.
My two cents,
Willie, don't forget that the mortgage interest deduction is only valuable if you're a fairly "rich" person. My mortgage interest deduction has never beat out the standard deduction.
Without a deduction, removing the expense of the mortgage is worth more than the same return on an after-tax investment (because you'd have to pay the taxes out of your gains). So that 6.25% starts to look very competitive against stock market returns. Since he's maxed out the Roth, this could really be the relevant scenario for him.
Remember to make sure that the second check goes only toward the principle. I think David Bach mentioned using this method in "Smart Couples Finish Rich", but a few times his second check was not applied specifically to the principle. You have to keep an eye on those mortgage companies!
@brad: re: "instead of making [extra principal] payments every month, I sock away what I can into an ING account so I can earn interest, and then once a year I will make a big payment from that toward my principal. The advantages of this approach are 1) I can earn interest on those payments instead of giving the money to the bank immediately…"
Pardon me if I'm misunderstanding what you're saying, but the way this is written, it doesn't make much sense to me. If you put the money in an ING account, it starts earning maybe 3.5% interest? If you put the money towards the mortgage principal instead, you are saving perhaps 6% in interest on that money. This savings is immediate.
I understand the psychological benefit of seeing the balance go down in one fell swoop, and I can see why it is nice to have cash on hand for flexibility–but from a pure numbers standpoint it doesn't make sense to keep cash in a bank account if you intend to use it to pay down your mortgage.
Ever since owning a home between mortgage interest, taxes and charitable contributions, I never have took the standard deduction. I do not consider myself a "rich" person.
Also if you contribute to a mutual fund monthly for years, you only are paying taxes on the dividends you receive at the end of each year. If you invest in growth stocks, many of these companies do not declare dividends so your tax liability is very minimal. Granted when you cash out you are going to pay taxes but your investment has had time to multiple and grow.
I've often wondered about the escrow part of a mortgage. Why do people roll in their insurance and taxes into their mortgage? Isn't that basically taking out a long-term loan to pay those instead of paying them out of pocket with no interest when they come due?
For higher income families, the mortgage interest is a huge deduction.
Also, military and clergy families have a"parsonage" benefit, where the costs of their housing comes off the top of their return. So it's not in some households' "interest" to pay off early. Of course no one should strap themselves into mortgage payments so high they can't afford them. Unfortunately we are seeing the results of that all over the place…
I've had a mortgage with Countrywide and now with First Horizon. They both had fees when you set up autopay. Turns out this is pretty dumb when you consider nearly every bank has FREE bill pay.
For example, with a HELoan we were doing every two weeks with zero fees that way. Later, when I switched jobs and got paid just once a month, I changed the payment to reflect that. Super easy! You can even to one-time payments as well.
I also pay a bit more than my regular payment but that's more for convenience than anything else: $1000/month is a lot easier to budget than $981.03/month
Great article! My wife and I are paying off our debt right now via the 'debt snowball', then the emergency fund with be funded..and then I'll revisit this post about paying off our mortgage. But, good tips, I forwarded this post on to quite a few folks I know.
@Kaleb, quite the assumption you're making that you can pull in 6% over the next 5 years. One of several crucial points in deciding to attack the mortgage, that's a guaranteed return.
@Brad, in your first post you state the "advantage" of earning interest on your mortgage prepayment for the year, I fail to see the advantage when your mortgage is 5.24% vs. ING at 3.1ish%, truth is you'd "earn" more interest by shaving it off your mortgage month-by-month. But your later post re: interest would seem to indicate you should get this.
Myself, I'm full steam ahead on paying off the mortgage, and you can see lots of the points discussed in my reasoning. Mortgage is 5.625%, HYS is 3.6% and dropping (plus that's APR vs. APY, so actually a bit wider discrepancy, let's not get started on that).
Wife and I fully fund our Roths, she has pension and 403b at work, I get full company match in my 401k, and our allocation is quite *ahem* aggressive, as we don't plan to withdraw any of it for at least 25 years. Enter the diversification. While one can argue about the short and longterm future of "the market", there's always the chance it will all to go complete **** at any time for any amount of time. Meanwhile, if we can chuck a few grand towards a guaranteed return, seems smart, particularly as this is our "short-term" money, we may need it in the next 5-10 years, and ironically this will be facilitated. We have a 7 year balloon up in Fall '09, at which time we can pay to refinance or have it paid off earlier (where we're tracking) and start banking the payments. Of course we also have the option of pulling another mortgage out whenever if need be. Lastly, we've never paid over $4500 in annual interest (modest midwest living FTW), while the standard deduction is over twice that, so we see NO tax benefit whatsoever by paying interest. Anyone's going to have a real hard time convincing me this is a foolish plan.
One thing to consider that is gaining traction in the United States is a Mortgage Accelerator program (united first financial offers one). This has been a very popular program in EU and AUS for some time, but is only good if you are living within your means (something not common in many American households). It essentially works like a bank account. You transfer all your deposits to a HELOC receive a debit card and checks to draw this from. If you use this as your day-to-day bank account you should be able to pay off your mortgage (on average) in a third of the time.
One reason to pay off one's mortgage is, as someone mentioned, precisely because it is a monthly bill — and one that, if you get into a financial bad spot, you can't turn off, as you could the cable bill or a cell phone. And since you will always need a place to live, why not have one that you don't have to worry about losing (as long as you can keep paying the taxes, of course).
The psychological boost of seeing our mortgage go down was huge, much more real and satisfactory to me than watching the intangible numbers in our retirement accounts (which have gone up and down over the last 20 years…). That money won't feel real until I retire and start to use it; in the meantime knowing the house is paid for is a huge security blanket, and makes our retirement planning budget estimates that much less (you can even factor in using the house for income in retirement through a reverse mortgage).
this is a bit like the debt snowball, it may make more mathematical sense to invest the money, but feel better paying off the mortgage.
another way to look at investing rather than prepaying your mortgage. if you invest instead of prepaying your mortgage it's like borrowing money to invest. if you're willing to accept the risks mentioned above so be it.
personally, i do a bit of both. (don't want all my eggs in the one basket)
@Anne and Dave C: you're right. I'm a dummy
I must not have been taking into account the fact that the bank recalculates the amount of interest for each payment based on the actual remaining principal, but in fact that must be what they do.
I also subscribe to JD's notion that prepaying your mortgage is one element of diversification. My wife and I max out our 401Ks, I have an IRA and she has some low-cost managed funds. We invest in commodity ETFs, and we prepay our home mortgage aggressively (like…4x Givens).
Have you or anyone you know tried United First Financial?
It sounds like a decent idea but I am skeptical.
Here's another idea. Talk to your present mortgage company and see if they have something called an "Accelerated Ownership Program" wherein they will, FOR FREE, re-calculate your mortgage and give you the prevailing interest rate for a lower term (if you so prefer) WITHOUT CHARGING YOU A SINGLE DIME. The only thing you'd be on the hook for would be any notary fees for getting the documents notarized and sending it back to them. We just did this with Wells Fargo and are down to a 15-year term (down from 6.25% to 5.375%) with only a $23 difference from our previous monthly amount. This is awesome, but they dont really tell you about it until you ask! Best of luck
DH and I have been paying extra money on our mortgage for two years and will continue to do so at an increasing rate. Every year when DH gets a raise, 1/2 of the monthly net increase will be applied to extra principal payments each month. Since we'll be budgeting for a larger payment than we actually have, if we come upon hard times, we can cut back to the actual payment and have some wiggle room. The other half of the raise will be for COL increase and increase retirement savings. This may not make sense to some, but for us it works and facilitates the accomplishment of our financial goals.
I like your thinking on 6.25% being a guaranteed return – and you won't find anything near that in an online savings account these days! I personally believe the freedom of owning your own home outright would far exceed the mathematical advantages of using that money to invest.
Don't forget the power of inflation. You are prepaying to eliminate payments 20-30 years in the future. Since you have a fixed mortgage, the payments in the future are the same as today but in real terms, they will be "reduced" by the inflation rate. For example a $1681 payment today will only "feel" like $907 in 25 years at a 2.5% inflation rate. Or if you assume 3% it is only about $803.
My wife and I are in our early 30s and our incomes are increasing faster than inflation while our mortgage is fixed. We thought about prepaying our mortgage and did an extra $200 a month for about a year or so before deciding against it because:
1. we could invest it in something else
2. we weren't sure if we'd stay in the house for 30 yrs
3. there isn't any tangible benefit (i.e. no payment) until 15-20 years down the line.
4. In 20 years, our payment would seem relatively small because of inflation so there would be less need to eliminate it.
You'd have $1,386.60 left over, not $1,7000 Taxes and insurance won't go away (OK, you could not insure your house since you own it outright … but that's a large risk for the investment of your lifetime).
"Using Givens' plan, if I include an extra $267.44 with my payment, I'll also knock off the next month's payment from my mortgage. That $267.44 accomplishes the same thing $1681.79 usually does, but at 16% of the normal monthly cost. That's a bargain."
I believe the correct way to look at it is, you're knocking off the LAST payment at the end of the loan term, not next month's payment. I think it's worth doing for a number of reasons, but it's not quite the "bargain" you're claiming.
I just wanted to chime in again re: CMRs pimping of United First Financial. At worst, it's a scam. At best, they provide nothing you couldn't figure out and do on your own and then overcharge you for it. DON'T fall for it. If interested, I've got a link of my own for the truth on UFF: http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=741118
This is an interesting tactic to prepaying the mortgage. Even if I can't do this every month, paying double the amount of the principal when I can is a great idea. Thanks!
I have a very modest, low interest, fixed-rate, 20-yr mortgage so it doesn't really make sense for me to pay it off early.
However, for the psychological boost, I make an extra mortgage payment every year. Instead of coming up with the whole chunk of change at once, I take the amount of one month's total payment and divide it by 12, and then add that amount to each monthly mortgage payment. It will cut about 4-5 years off my payment term, and costs about as much as a dinner and a movie for 2.
I guess you can just google a calculator:
good post. I feel like with your transitioning to full time blogger, some of the recent posts have been a little fluff heavy. This is a good, thought provoking post.
I've never heard of this strategy before, but it makes complete sense. Being that I am in my 20′s, information like this is so wonderful to learn before making the decision to purchase a home.
Given that I was only 5 years old when this book was written, it's amazing to me to think that that information would still hold true today… but it most definitely does.
Thanks for sharing – Great advice!


text:
About This Game
In this awesome action game, the Aquabats are on their way to a gig when the Battle Tram conks out. Hey, no biggie! It's a walk in the park ... literally! But THIS park is full of villains, so the band must vanquish them all to reach the gig on time. Each Aquabat has different superpowers, so be sure to use them all as you collect super-power-ups and keep all the band members in good health!
|Be the first to get a high score!
How To Play
Your objective: Help the Aquabats reach their gig on time.
- Use the arrow keys to move, and the AWSD keys to battle.
- Grab all your Aqua-Power-Ups! Look for shield, health, and Superpower quick charge icons.
- Change heroes often to stay perky. Use keys 1 - 5 to change characters quickly.
- Each hero has different Aquabat Superpowers. Use them all ... wisely!
- If the Power button is fully charged, click it or tap the space bar to use Superpowers.
- Watch your yellow energy bar -- don't let anyone's health run out!
- Get them to the gig ... on time and in good health!


text:
Are Daily Hassles Making You Sick?
When you think of big stress, you probably think of major life-disrupting events: a job loss, a gravely ill parent or friend, a case of identity theft, a significant financial loss. But sometimes, big stressors can come in little packages: the juice glass that broke at breakfast, the weeds gathering in the front flowerbed, the phone call you need to make to your mother.
Sure, little day-to-day hassles such as these are not monumental and probably don't feel extremely stressful. Individually, they certainly don't weigh heavily in the grand scheme of overall emotional well-being.
But could those little daily stresses hamper your health or even make you vulnerable to serious illness and disease? Research says maybe so.
An Ugly Cycle
Recent studies suggest that, taken together, minor hassles and annoyances from everyday life may be the biggest stressor of all.
These mini stressors mount as they become part of a daily routine, and because days tend to mirror days, whatever little hassle tugged at you one day is likely to repeat on another day. Eventually, all those overdue phone calls and all those annoying little accidents and all those unfinished household tasks can add up to major, chronic stress.
Are minor stresses getting the best of you? Take this quick quiz for a better idea.
Daily Life Equilibrium Calculator
As you reflect on a typical day, look over the following list, print it out, and then rate on a scale of 0 to 3 how much aggravation or satisfaction the below items contributed to your stress level. Keep in mind that some items may be sources of both aggravation and satisfaction. You must write down an answer for each item on both the "aggravation" and "satisfaction" sides.
0 = None or not applicable
1 = A little bit
2 = Quite a bit
3 = A great deal
|Please assess:
|People in Your Life
|Your Work
|Job security
|Available time off
|Benefits offered
|Your Environment
|Current events
|Community or neighborhood issues
|Your Daily Schedule
|Time with family or friends
|Time alone
|Housework, yard work
|Commute time (errands, appointments, work)
|Cooking, eating
|Entertainment and recreation
|Personal organization
|Your Finances
|Bills, financial obligations, medical costs
|Savings, investments, emergency funds, retirement plan
|Your Personal Health
|Physical appearance
|Physical and mental abilities
|Drinking or smoking
|Sex and intimacy
score =
|Add up the total of each column.
score =
|Your Daily Life Equilibrium Score =
(Subtract your Aggravation score from your Satisfaction score.)
What Your Results May Mean
If your score is less than or equal to -25
Considering only the items on this list, your responses indicate that your daily life is fairly stressful and includes quite a few situations that trouble you or cause you aggravation. Because daily patterns tend to repeat over time, this could mean the negative aspects of your daily life contribute to an unhealthy level of stress. Learning to effectively minimize stressful responses and feelings and increase the amount of satisfaction you get from day-to-day activities and responsibilities could benefit you, especially if you exhibit any physical or emotional symptoms of stress.
If your score is between -24 and +24
Considering only the items on this list, your responses indicate you have probably struck a good balance between daily activities that give you satisfaction and daily activities that cause you aggravation. A routine that provides more aggravation than pleasure could place your health at risk, so read on to find out how to help maintain the healthy balance you have struck and perhaps even push the balance further in your favor by counteracting the damaging effects of stress.
If your score is equal to or greater than +25
Considering only the items on this list, your responses indicate that your day-to-day activities probably bring you quite a bit more satisfaction than they do aggravation. Because daily patterns tend to repeat over time, having the positive aspects of daily life outweigh everyday concerns is a good sign for long-term physical and emotional well-being. Read on to find out how maintaining this level of satisfaction with your life and consistently managing stressors will help counteract the damaging effects of stress.
Remember, however, that this test is not meant to replace a clinical assessment but rather to help you assess your feelings about some of the events, people, and places that make up your day. Also, other items not included in this list could negatively or positively influence your daily stress levels. Only a doctor or mental health professional can make an accurate assessment of how stress may affect your physical and emotional well-being.
Watch for These Signs of Potential Chronic Stress
- Emotional
- Physical
- Anxiety, worry, guilt
- Irritability, anger, frustration
- Depression
- Loneliness
- Disorganization, confusion, distraction
- Headaches; muscle, neck, back tension or pain
- Constipation
- Insomnia
- Heartburn, stomach problems, nausea
- Weight gain, loss
- Skin problems
- Loss of libido
Daily Hassles and Your Health
Unfortunately, it's very easy to let the little aggravations and pleasures of the day get out of balance. When these minor aggravations take the lead, your body eventually may experience the same damaging physical effects that major chronic stressors can cause.
Stress activates the nervous system, stimulating the secretion of certain hormones and increasing blood pressure, heart rate, breathing, metabolism, and blood flow to the muscles. Much of the time, this process is helpful. The boost in activity helps the body meet greater demands during crises -- for example, to run from a direct threat or to think and act quickly and efficiently when tackling a demanding task.
But all of this extra physiological activity may take a toll. Normally, the body can recover when the stressful situation subsides. But when the stress response is turned on too often, or for too long without time to recover, the body pays a price.
Depending on the amount of stress, this price could be high. Several studies have indicated a link between elevated stress levels and deficiencies in immune system function. In fact, long-term, unrelieved stress may depress immune system function so much that the body becomes more vulnerable to colds, flu, and other infections. Research has also linked excessive stress to chronic illnesses and diseases, including heart disease and cancer.
Manage Your Stress
Now that you've identified some of your possible day-to-day stressors, it's time to build some strategies for maintaining your equilibrium and protecting your body from stress.
You probably already know regular exercise is one of the best stress-busting tools around. Research shows that exercise routines with Eastern influences are particularly helpful, such as those that incorporate yoga, chi-gong (qiqong), and tai chi.
Researchers have also found that meditation, if practiced regularly, not only can lead to a healthier perspective on daily circumstances but also may help lower blood pressure. It has even been linked to a longer lifespan. Meditation works by inducing a tranquil state of calm through mental focus and breathing techniques.
Similar to meditation, autogenics training and progressive muscle relaxation induce calm by focusing attention and increasing body awareness. Autogenics training accomplishes this through visual imagery, such as concentrating on a peaceful place, and through awareness of body sensations, such as focusing on the weight or temperature of the limbs or on calm, natural breathing.
Progressive muscle relaxation involves slowly and systematically tensing and releasing various muscle groups, focusing on the feelings and sensations that accompany tension and relaxation. With practice, you can achieve deep relaxation quickly, even in stressful situations.
It's Yours for Life
Everyone should have at least one surefire stress-reduction strategy, so find one that works for you, and practice it regularly. Most techniques can be learned through coaching, lessons, or individual practice. Several clinics and hospitals around the country offer healthcare programs that teach relaxation techniques. Once you pick a method and master it, you'll be able to rely on it for the rest of your life to help balance out occasional hassle-heavy days.
Try These 6 Simple Tension-Relievers
- Consume less alcohol, nicotine, and caffeine.
- Practice deeply inhaling and slowly exhaling.
- Set aside 15 minutes for active relaxation such as autogenics training, meditation, or brisk walking.
- Keep in touch with supportive family members and friends.
- Take short breaks frequently.
- Visualize relaxing scenes.
Remember, if self-help methods aren't bringing you balance, consult your healthcare provider. He or she may suggest a more structured psychological treatment approach, such as cognitive therapy, to help you restructure negative thought processes, improve your emotional well-being, and protect your health.
Keep in mind that stress is not always the cause of health problems. If you have a specific medical or psychological disorder or concern, see a healthcare professional for diagnosis and treatment.