text:
" Brand: Rose & Co. Apothecary / Type: Lip Repair / What it does: Repairs, "
One of my favourite products is a little tin of Rose & Co Sweet Vanilla Salve. I have a small collection of clear lip balms and salves, this one though is somewhat special.
The small round honey coloured tin is decorated in a vintage style with romantic script writing, twirls and bee illustrations both on the lid and surrounding the base. Such attention to detail seems to be rare these days. A useful and pretty little tin which can be re-used after the salve is finished.
When you open the lid you are hit by the delicious scent of vanilla with a background note of honey. It is seriously difficult not to become addicted to this gorgeous smell. Beeswax, almond oil and honey are the main ingredients, the salve is semi-transparent and has a waxy, smooth texture.
When I apply the salve my lips always feel softened and protected, it gives a soft sheen without being too greasy and doesn't need re-applying frequently. The waxy balm spreads generously so I find only a little is needed at any one time. Occasionally I have used it to condition nails and also as a gentle perfume because the vanilla scent lingers for ages.
Rose & Co are an English company, their products are sold in John Lewis amongst other stores and from their website. The 20g tin of Sweet Vanilla Salve is currently priced at £5. Initially I thought it very expensive but it lasts for a considerable amount of time, my first tin lasted for 2 years and now I am on the second year of another tin. Rose & Co have created a range of salves such as a tinted cherry lip balm and a lavender salve for healing minor cuts and grazes. Sweet Vanilla Salve is a traditional style lip salve which really works and smells divine.
Thanks for reading x
© Lunaria 2012
In Boots the other day, looking to replace my usual tin of Vaseline, my eye was drawn to a pretty, old fashioned looking tin bearing the name 'Rose & Co'. It sounded familiar- I later realised this was because I'd read about these lipbalms on dooyoo a week or two before! So, subliminally inclining towards this product, I moved in for a closer look. There were several flavours available, but the one that leapt out at me was the 'Sweet vanilla salve'. I'm a huge fan of all things vanilla, and the little bees decorating the side of the pot made this all the more irresistable to me. At £4.99, it was considerably more expensive than Vaseline, but I thought it might be worth paying more for a potentially better result.
The tin really is gorgeous- a creamy yellow colour, the swirly pattern on the lid, with the aforementioned bees dotted around the base give it a classy, Victorian feel. I was, however, a little surprised by the looseness of the lid- the tin drops off if I hold it by the lid, meaning that I never feel quite safe when this is in my handbag, and although I haven't had any disasters to date, I am apprehensive that the lid will one day fall off in my bag, and I'll find my keys, phone etc covered in waxy slime.
The salve itself is a waxy yellow colour, and looks at first glance very like a candle. The texture is waxy too, not greasy like vaseline, but it's easy to get out once the warmth and pressure of your finger softens it. Beeswax is in fact one the key ingredients, along with the usual petrolatum, some sweet almond oil and honey. This accounts for its sweet, although mild, smell. There's a definite whiff of vanilla in there, but it's pleasantly subtle.
The first thing I noticed when applying this is that I didn't need much- a small slick with your finger should do the job. Being used to Vaseline, I was expecting that thick, greasy coating, so I applied several coats at first, but I soon found that this was unnecessary. In fact, putting too much on is really not a good idea, because it starts oozing into your mouth, and it tastes horrible! That's one downside to this product- a lip balm is inevitably going to find its way into your mouth at some point, when you eat or drink, so it should really be tasteless if possible. But any slight lick of your lips with this, and you immediately become aware of a horrible, bitter taste that lingers stubbornly in your mouth. Not nice. Also, I always feel my lips stinging slightly when I apply this. It soon wears off, but I'm not sure if its a good thing or not!
Once the sting wears off however, this is very effective, moisturising and smoothing your lips without being too heavy or greasy. A small coating leaves you with a natural glossy look, and your lips stay hydrated for hours without the need for reapplication. For this reason, the 20g pot should last you a good long while, so perhaps it is better value than Vaseline after all. I've got a feeling I won't be going back to the greasy stuff any time in the forseeable future!
I often suffer from dry lips, and am therefore always on the hunt for a decent lip balm. My handbag has a permanent collection of 5 or 6 lip balms that travel with me everyday to cater for my every lip need. At this time of the year, I'm applying lip balm about once every half hour all day, to keep the dryness at bay.
So, here's the story of how I came to buy the Rose & Co Vanilla Salve. On Saturday night I drank rather too much wine, and the resulting hangover and dehydration meant that I looked after my lips rather less well than I normally would, and they dried out far more than they normally would. I woke on Monday morning with incredibly sore, dry lips, that were split in 3 places and dark red with blood. Not a pretty sight. At all.
After spending the entire morning coating my lips in various lip balms - some pretty expensive, ultra intensive moisturising types as well - I decided that yet again I needed a new lip balm. As soon as it hit lunchhour, I rushed down to the Boots in town to see what they had.
Having tried all the usual makes (Nivea, Vaseline, Blistex, Burts Bees) I wanted something a bit different, and probably medicated to help with the cuts. However, my eyes alighted on the bottom shelves, where I saw the cute pastel colours and distinctly unmedicated Rose & Co balms and salves. One look at the retro lemon coloured tin and I was at the counter, handing over £3.99 and my Boots card. I didn't think that was too bad for a lip balm (20g) - especially considering that the two main balms I had been using all morning (to no avail!) had cost £14 for one and £9 for the other. Sure, it's more expensive than Vaseline, but Vaseline masks rather than solves the problem, in my opinion.
On returning to the office, I tried it out (I really didn't want to wait until I returned to the office before using it, but I didn't want to overrun on my lunchhour!). Instantly I was struck by the lovely fragrance. It's a sweet mix of vanilla and honey, which isn't too sickly or overpowering - they've got it just right. The flavour is equally subtle, yummy but not so much that you lick it all off.
To the touch, it has the consistency of Vaseline, and indeed looks very much like it, as a pale solid balm in the tin. However it is absorbed into the lips far easier than Vaseline is, and noticeably smoothes and softens them from the first use.
To my amazement, my lips looked completely healed by 5pm. By the time I got home, you would never have known I'd woken up with cracked, chapped, sore lips. They felt soft and smooth, and had a subtle shine - the "just licked" look, rather than the "i've been smearing myself in balms and glosses all day" look.
In short, I love this stuff. It looks good, smells good, tastes good, and does what it says on the tin ("to smooth and soften the lips").
Useless Trivia: I just read on Wikipedia that the very first lip balm was made out of earwax! How disgusting is that? I'm glad to say this one is made from beeswax and honey!
With the weather starting to get much colder, it only means one thing and that is chapped lips. I am not really a big fan of wearing lip gloss as I find it annoying but I did come across the Rose & Co lip salves when in my local Topshop the other day. They did seem quite pricey but I can't say no to anything vanilla scented and so I decided to buy it, at the worst it would keep my lips smooth hopefully.
I had never heard of Rose & Co but I looked on the website to find out a bit more about the background of the company. Started by a mother and daughter, Patricia and Caroline Rose they bought an old store in Yorkshire and restored its Victorian look. They then wanted products to fit in with the store style so started with their rose lip salve which soon got press attention and then was followed by a range of beauty products, creating a collection.
The look of the Vanilla lip salve tin is quite fancy and has an old fashioned design style to it. It comes in a small circular tin and has a warm yellow colour with the company logo on it and it says that it is meant to smooth and soften lips. There are little bee illustrations around the side of the tin which is a pretty little addition making it a very girly design. It is a 20g tin and on the back it says that the salve has beeswax and honey and also all ingredients are listed here.
The tin also states that this can be used alone or with lipstick it's a matter of personal choice but I use it on its own. It is meant to also protect chapped lips and has the slightest hint of vanilla. When opening the tin the lid comes off and a thick almost transparent cream coloured salve is inside. The sweetest hints of honey and vanilla arise from this pot and it is so sweet I almost wanted to eat it but of course it is not edible.
I put this on every morning before I go out into the freezing depths of the outdoors. It is quite stiff at first the salve but just run your finger round the tin and it will loosen up for you to put on your lips, it is not too gooey which I like it lights gives lips a shine so that you know the salve has been applied right without too glossy a look. It also makes you smell sweet like vanilla and makes lips feel moist and protected.
I have been using this for a good few weeks now and I think I can safely say it has repaired my lips which were getting a bit sore from the freezing temperatures. It has made them feel smoother like they are in the summer months and it just seems like they are in a good condition very healthy.
I would leave the salve somewhere that doesn't get too hot or it will make the consistency too soft. I just leave mine on my bedroom shelf and it keeps the right temperature which is nice as it is perfect when it's time to apply.
If you are now wondering where to buy this then I will be able to tell you. I found mine at my Topshop where the sell a few of the salves from this range and they do cost £5 which seems expensive for a tin but it does last a good while. They also have a pack of three salves at the minute for Christmas which is £8 for slightly smaller tins and is a nice gift.
The website also takes orders if you go to http://www.rose-apothecary.co.uk and then click on enter and then on the photo of the products. There is then an interactive dressing table which if you roll over will bring areas to life where you can get more information on how to buy as they have a few nice sets and the salve there too. Postage is cheap on this site too, I did a test add to basket and it said £1 for postage which is not bad at all.
The products are really nice, very girly and they almost remind me of the old fashioned style like BeneFit market on. I think the salve will be a good investment to save your lips for winter and keep you smelling sweet too. I also think if not for yourself these salves are also a good stocking filler and most girls would be happy to get it.


text:
The Congressional Office of Technology Assessment (OTA) closed on September 29, 1995. During its 23-year history, OTA provided Congressional members and committees with analyses of the scientific and technological issues that were increasingly relevant to public policy and legislative action.
OTA occupied a unique role among the Congressional information agencies. Unlike the General Accounting Office, which is primarily concerned with evaluation of ongoing programs, and the Congressional Research Service, which provides rapid information on legislative topics, OTA provided a deeper, more comprehensive, and more technical level of analysis. Through eleven Congressional sessions, OTA became a key resource for Congressional members and staff confronting technological issues in crafting public policy. Its existence brought a healthy balance to the analytical resources available to the executive and legislative branches of government.
The agency's legacy is found in the many items of legislation it influenced and in the channels of communication its staff helped foster between legislative policymakers and members of the scientific, technical, and business communities.
The Black Vault has archived here the complete collection of reports and data issued by the OTA. Clicking on any document below will take you directly to the report, all in .pdf format. This collection holds 110,670 pages in total.

subset: commoncrawl


text:
Eating and playing outdoors this time of year are two of life's great pleasures. But that often means exposure to bugs—including mosquitoes and ticks—that can cause serious health consequences.
Elmer Gray, an entomologist with the University of Georgia in Athens, GA, says, "Mosquitoes transmit wide ranges of disease that can be deadly or severely debilitating. Here in the United States, last year was a record year for West Nile virus with cases recorded in all 48 contiguous states, an unprecedented range of occurrence."
While chemicals remain the top deterrent to bugs, there are also many safe, green approaches you can employ to repel pesky insects.
1. Avoid standing water. Gray says, "Water features are fine, but they have to be maintained. Birdbaths should be rinsed out every five to seven days." Keep gutters clean and outdoor toys dry when not in use. And if you live in a neighborhood with many foreclosed homes, Gray says to watch out for abandoned swimming pools, which make ideal mosquito breeding environments.
2. Add some fish to any backyard ponds. "Virtually all small fish are predaceous on mosquito larvae."
3. Green bomb them. "The biological control agent Bacillus thuringiensis subspecies Israelensis is an excellent and completely safe mosquito larvicide. It has no mammalian toxicity, and is safe for children, pets and most other insects. This material is commonly sold as 'mosquito dunks' in hardware stores." Check out Richfield's Menards or Home Depot.
4. Invite more frogs, bats and wild birds to your yard. Gray says the best way to protect bug-chomping songbirds is to "discourage free-ranging cats and support catch-and-release spayed/neuter programs." Check out Richfield's Petco or Petsmart.
5. Domesticated ducks and chickens will also eat bugs including ticks.
6. Wear light-colored, loose-fitting clothes. "Research shows that most of the biting flies are attracted to dark colors. Loose-fitting, because mosquitoes will bite through thin, tight-fitting clothing."
7. Stock up on citronella candles and fans. "Citronella candles will repel mosquitoes in areas that are protected from significant air movement. Back porches, decks and patios that have features that limit air movement are good locations. Fans will help as well. Mosquitoes aren't real strong fliers, so the typical box fan will help a lot in a limited area." Check out Richfield's Super Target at Cedar Point Commons.
8. Try a DEET-free bug repellent. Highly rated All-Terrain bug repellent products for kids, adults and pets are DEET-free. Company President David Kulow says, "It has been reported that over 50 perecent of DEET crosses the dermal layer and approximately 17 percent gets into the bloodstream. Pregnant women should never use DEET. A climber founded All Terrain. When he was climbing in Costa Rica, a bottle of DEET insect repellent he was carrying leaked. It ate through his backpack and melted the keys on a calculator he was carrying to figure out the exchange rate. He thought that if DEET does that, it couldn't be very good for him in the long run."
9. Follow the directions and don't let kids apply bug repellent. Gray says, "The biggest thing with the repellents is to follow the label carefully. When using repellents with children, it is important to not let the child handle the product. The adult should apply it to their hands, then rub the repellent onto the child. This avoids the children having the repellent on their hands and then putting their hands in their mouth, as children often do."
10. Wack your weeds. Gray says, "Remove unnecessary brush. The more open the environment, the less attractive it'll be to mosquitoes. From a mosquito, tick and chigger standpoint, mowed grass is the best and everything else is better for the bugs. I am not aware of an insect repellent plant that has been proven effective in a scientific study. In the southeast, English Ivy is particularly bad for mosquitoes. It provides the perfect place for mosquitoes to hide during the heat of the day." Check out Patch's directory for local landscape companies .
Follow Richfield Patch on Twitter | Like us on Facebook | Sign up for our daily newsletter


text:
Folly for a Flyover, a London air theatre space created from the unused space under an overpass bridge.
(via thisbigcity)—
Folly for a Flyover, a London air theatre space created from the unused space under an overpass bridge.
(via thisbigcity)—
Experimentation is a pretty standard part of the creative process, but it usually ends with an "a-ha" moment; once you know what you want to make, the trial and error part of the equation is dunzo. For architect Andrew Kudless, however, R&D is never over; he often pushes his sculptural work so far it accidentally ends up in a ten-foot wide puddle of plaster on his studio floor.
Kudless founded his Oakland-based studio Matsys back in 2004, and has spent the last decade developing a wide range of new, bio-inspired production techniques that reverse the traditional approach to construction. "I'm interested in how living systems relate to architecture," he tells Gizmodo. "Architecture usually follows a top-down design process—you have some type of genius idea, then everything is relegated to that one idea. There's no consideration for how it might change over time."
Kudless's work is a kind of geometric adventurism, exploring the functional limits of the materials he works with, making them clamp, slot, bolt, or hinge together in new ways.
The "Seed" project, for example, is a huge, bulbous, 3D-printed concrete ball inspired by the shape of redwood seeds, snapped together and built up from modular components like patterns in a spherical textile.
Or take the bizarre, ironically very alien results from a straight-forward exploration of egg shapes. Called "SEAcraft Eggs," and produced by his students at the California College of the Arts in San Francisco, these show what can happen when expected materials are rigorously and systematically swapped out in new and unexpected formal combinations.
In all, an organic approach is key, with a twist; instead of setting out with a by-the-book blueprint, Kudless establishes certain physical constraints with the help of algorithms and computer simulations, then lets the materials do their thang, interacting in unexpected ways that result in an unpredictable physical result.
The "Chrysalis (III)" lamp, for instance, is a big, weird, coiling coral form of glowing geometric cells made from paper-backed wood veneers, and the eruption of each individual cell—its size, its placement, its angle—could never have been guessed in advance. It's like living math, emitting light.
American architect Seth Goodman is on a mission to illustrate the absurdity of parking requirements. The above image, shows mandatory parking requirements for office buildings in different American cities.
Goodman notes that the majority of U.S. cities exempt their downtowns from these requirements, but says that's not enough."In many of these cities, the relatively small footprint of these exempt areas has failed achieve the critical mass necessary to create robust transit ridership and fully-functioning pedestrian oriented communities."
It's kind of crazy right? maybe a way to address this would be to change parking requirements if a building is located within 800m of a regular and reliable form of public transportation? imagine all the extra space!
More info here.
via imaginingcities:
(via thisbigcity)—
Waves of Color
Colorful is the word for the new art installation in Madison Square Park. New York-based artist Orly Genger has (literally) weaved three colorful, electric structures. Her work, titled Red, Yellow and Blue is a collection of 1.4 million feet of re-purposed rope and over 3,500 gallons of paint, all sculpted in various areas of the park to embrace the space and enhance the landscape. Visitors are able to get up close and see the intricate hand-work put into weaving the rope and layering it to form such detailed waves.
After its summer-long run at Madison Square Park from May 2nd to September 8th, it will travel to the deCordova Sculpture Park and Museum outside of Boston in October 2013.
(via wasie)—
NYC Solar Cellphone-Charging Stations
Another one bouncing around the internet at the moment, fantastic idea and initiative :)
by Goal Zero
Yes, please. Perhaps with a small radius public wifi zone too.
A view of the Sun Bridge, designed by Alden B. Dow and located in Dow Gardens, as seen from a canoe. Notice how the reflection in the pond makes a full circle? We think Alden's ideas were pretty cool!
(via landxland)


text:
"An extraordinary player" according to Jürgen Klopp, Borussia Dortmund midfielder İlkay Gündoğan promises to work "even harder" to continue his rise to the top.
This content is streamed in such a way that it is protected and available only in a Flash format. Your device seems not to be compatible with our Flash video player.


text:
Kean University to Host Reading and Math Clinic for Grammar School Students
Kean University's Reading and Math Clinic will offer summer tutorial programs on Tuesdays and Thursdays, from June 28 through August 4. The reading program will be held from 9 a.m. to noon, and the math program will be held from 1 p.m. to 3 p.m.
Open to students in grades kindergarten through 8, the program will evaluate the students' strengths and learning difficulties through reading and math tests. Remediation will then be based on these assessments. Taught by certified teachers, the clinic includes specialized instruction and computer-based reading and math activities that reinforce each lesson.
Parents can enroll their children in one or both of these programs. Discounts are available for those who register for both programs and for students of Kean University employees. Registration and deposits are required by Thursday, June 23. For further information, please contact Dr. Davida R. Schuman, clinic director, at 908.737.3934 or email@example.com.


text:
June 09, 2009
The number of unemployed persons increased by 787,000 to 14.5 million in May, and the unemployment rate rose to 9.4 percent. Since the start of the recession in December 2007, the number of unemployed persons has risen by 7.0 million, and the unemployment rate has grown by 4.5 percentage points.
Unemployment rates rose in May for adult men (9.8 percent), adult women (7.5 percent), whites (8.6 percent), and Hispanics (12.7 percent). The jobless rates for teenagers (22.7 percent) and blacks (14.9 percent) were little changed over the month.
Among the unemployed, the number of job losers and persons who completed temporary jobs rose by 732,000 in May to 9.5 million. This group has increased by 5.8 million since the start of the recession.
The number of long-term unemployed (those jobless for 27 weeks or more) increased by 268,000 over the month to 3.9 million and has tripled since the start of the recession.
These data are from the Current Population Survey and are seasonally adjusted. More information can be found in "The Employment Situation: May 2009" (PDF) (HTML), news release USDL 09-0588.
Bureau of Labor Statistics, U.S. Department of Labor, The Editor's Desk, Unemployment rate in May 2009 on the Internet at http://www.bls.gov/opub/ted/2009/jun/wk2/art02.htm (visited September 22, 2014).
This edition of Spotlight on Statistics examines labor productivity trends from 2000 through 2010 for selected industries and sectors within the nonfarm business sector of the U.S. economy. Read more »


text:
Thank you for your interest in the National Danish eHealth portal. This case study provided below will provide more information on how the Danish health system saved money, improved efficiency and laid the foundations for improvements in the quality of care with Healthcare Information Exchange.
Gartner - Case Study - Denmarks Achievement's with HIE (96KB)
For a demo and see the Danish Portal 'in action', please email us.


text:
Save my brain cells please. #shotbeforeshootout #studymode
Photo tagged as: shotbeforeshootout studymode
Eatin' some Filipino food! Oh! I miss this. Charap! #dabestangpinoy #fmfilipinocom (at Niskanen North)
Photo tagged as: dabestangpinoy fmfilipinocom
Roxas Expo
Video tagged as:
A photo op with Mr. Alan Holst, PAEF Finance Officer and Ms. Robin Diallo, during the cocktail reception for PAEF-Fulbright Scholars this 2012.
Photo tagged as:
Brandon Heath - Trust You
I used this song during a presentation on my Com400a class.
Audio tagged as:


text:
Voters to decide six issues on ballot
Initiatives and referendums are both ways that Washington state allows voters to make direct decisions, initiatives to enact new laws and referendums to review laws proposed or passed by the state legislature.
This year's ballot for Blaine and Birch Bay voters includes one of each, plus four constitutional amendments.
Initiative 960 – Proposed by Tim Eyman, long-time tax rebel in state politics. It's the fourteenth initiative he has proposed since 1998 (only three have been successful), and would greatly expand paperwork and voter approval for state tax increases while somewhat widening the two-thirds majority needed for the legislature to enact tax hikes.
Eyman says the initiative is needed to close loopholes in earlier budget and taxing rules enacted by his previous measures. Opponents say that the extra paperwork, elections and convoluted budgeting process it mandates are a waste of time, duplicating checks and balances that are already in place.
The state's office of financial management estimates that the cost of enacting Initiative 960 would be up to $1.8 million per year, and that much of this expense would fall to local governments since they pay for elections in even-numbered years.
Referendum 67 – This measure passed the legislature by a roughly three to two margin in both houses and enjoys bi-partisan support. It prohibits non-medical policies insurance companies from unreasonably denying certain kinds of claims and allows for treble damages for violations of the act. Proponents claim that Washington is one of just a few states without similar laws. Opponents say that if enacted it will lead to frivolous lawsuits and increased insurance rates.
Senate Joint Resolution 8206
This bill passed the legislature overwhelmingly, and would require that 1 percent of state revenues be set aside into a budget stabilization account each year. Proponents point to the "feast or famine" of state revenues that are generated by a tax system that depends heavily on the economy being healthy.
Opponents claim that the money thus locked up would be too difficult to get at in an emergency.
Senate Joint Resolution 8212
It passed the senate 49-0 and the house 83-15, and provides for a state-operated inmate labor program that can be used by private entities. Proponents say that inmates should work to reduce the cost of keeping them in jail, while opponents fear that such programs would compete with private industry, despite safeguards supposedly built into the law.
House Joint Resolution 4204
Endorsed by the Blaine school board, this measure passed the senate 33-16 and the house 79-19, and would allow school district tax levies to be approved by a simple majority instead of a super majority, where 60 percent of the voters must vote yes and the number of people voting cannot be less than 40 percent of those who voted in the last general election.
Proponents say that requiring 60 percent approval amounts to having to have a landslide in each election, while opponents see it as a nearly automatic property tax increase.
House Joint Resolution 4215
Only two people in the entire legislature voted against this measure, which would allow greater latitude for those responsible for investing higher education permanent funds that function for state colleges and universities much like an endowment fund does for a private school.
The constitution presently limits investments to low-yield devices like government bonds. Proponents say that it would allow for a more diversified mix of funding for state universities while opponents say that the income is sufficient and that passing this resolution will increase risks while paying off only for stockbrokers.


text:
Home > Product Categories > Supplies > Sale > Tableware
SALE - Silver Anniversary Tablecover - SALEItem: 093-688
Recently Viewed:
A 25th Celebration To Remember
Throw a 25th gathering that won't be forgotten with the Silver Anniversary Tablecover. This unique, disposable tablecover works beautifully for 25th wedding anniversary parties and celebrations.
- Silver anniversary tablecover 54″ long and 84″ wide.
- Rectangular tablecover.
- Made of plastic.
- Quantities Limited. Order now before they're gone forever!
- Sale items are non-returnable.
Celebrate your 25th wedding anniversary in style with fun and fabulous tableware. Stock up on the anniversary supplies you need to make their silver celebration an event to remember!


text:
Today's my birthday. The Sabres gave me a great birthday present last night by getting absolutely blasted by Philadelphia 7-2. Buffalo is quickly considered one of the crappier cities by most people. Up there with Detroit and Cleveland as cities that used to be booming but are down on their luck, terrible sports teams, and places people generally don't vacation to.
In my constant quest to find my identity, a hometown is an important aspect to nail down. If I identify with any city, it's Buffalo. I've never lived there, I lived a block away from the city limits in Lackawanna until 3rd grade, but since moving it's still the first city that anyone outside the area recognizes when trying to explain where I live, which is rougly an hour away.
This is a pretty recent development. I never used to be crazy about Buffalo growing up, maybe because it was all I knew and all anyone I went to school with knew. Lately, though, my love for the city is growing. Even just the word, Buffalo, I find appealing. The Sabres' logo is, dare I say, beautiful.
Before rambling too long, it's tough sometimes to feel good about things going on. Listening to the news for too long is terribly depressing. I feel at times that all I'm doing with my day is trying to find things I feel good about. So here's links showing how awesome Buffalo is.
What got me thinking about this was a Sabres' blog called the Goose's Roost. This blog is a little different though because it doesn't stay confined in the realm of sports. TGR relates the games to real life feelings and emotions, which sounds terrible typing it out, but it's the best way I can explain it. It's more thoughtful than the fanatics who call into radio shows or go nuts typing comments on articles by the Buffalo News.
Goose's Roost have their own podcast set called RoostCast. Recently, Ryan, the creator had a discussion with Chris Smith, a blogger from ArtVoice. They talked about the Sabres, but quickly bounced around to Buffalo news, a great discussion on blogging in general, and then Chris Smith's project: Buffalo Cash Mob. (RoostCast Episode here)
Buffalo Cash Mob, basically, is like a flash mob, but people vote at ArtVoice on a small business to mob. And instead of just showing up and causing trouble or weirding people out, they spend money. This gives the small business a boost, not only with the register rings, but with publicity from news outlets that they may normally not get. Here's an article from the Wall Street Journal describing cash mobs. Googling Cash Mobs gives you all sorts of links, but it all traces back to Chris Smith.
Speaking of ArtVoice, they have a nice little gig going on. It is Buffalo centered, but it's expansive in what they cover. They also have a Tumblr, which is exactly what you think a Buffalo art-based online magazine would put on a Tumblr.
In real news that could help every person reading this, Roswell Cancer Institute in Buffalo unveiled a cancer vaccine! Not quite a cure for cancer and in developmental stages, but this is pretty awesome. The biggest problem for Buffalo is the city was built on industry and now there are no more industries. Keeping an innovative and productive RCI in the area can only be great for the area and is a step on the road to recovery.
I know this was long and possibly irrelevant for a majority of people, but it's my birthday so I'm going to post about what I want. It helped me and I needed it, so thanks for that.
Now three Buffalo songs!!
Every Time I Die- We'rewolf — These guys are from Buffalo, maybe not everyone's cup of tea, but I remember digging this album a lot when it came out and saw them play shortly after it was released.
Rick James- Superfreak — Without this Buffalonian, you wouldn't have the Chappelle skit that spawned a billion catchphrases which are STILL GREAT in moderation.
Passion Pit- Little Secrets — Their lead singer, Michael Angelakos is from Buffalo. They formed in Cambridge, Mass, though.
PS— Quickly, before the Linsanity becomes unbearable, which was probably yesterday, you must read this short story from Jesse Eisenberg about growing up with Jeremy Lin


text:
Wilderness conservation took a hit as part of this year's federal budget compromise. A rider slipped into the bill at the last minute has put millions of acres of land back on the table for oil and gas drilling. One of those places is South Shale Ridge in western Colorado. The area is not federally protected wilderness. So the conservation-minded Interior Department had floated a different term for places like it, "wild lands." But that definition is now up in the air.
The Golden-based National Renewable Energy Lab is partnering with internet search engine Google to promote the spread of electric car charging stations in Colorado and across the US.
Originally published on Wed May 23, 2012 10:01 am
Never threaten a hagfish. And if you do, watch out.
"When it's threatened or in danger or gets injured, it produces — very quickly — huge amounts of slime," says Ellen Prager, a marine scientist and educator. "In fact, they found that in just a few minutes, it can fill up seven buckets full of gooey, slimy gunk."
Another state report is out giving dire predictions about the future of water supplies in arid Colorado, even as the state's population continues to boom. The report shows that unless more conservation and other water projects move forward, up to 700,000 acres of farmland could be dried up in the state by 2050. The release of the Statewide Water Supply Initiative comes as water managers from around the region are meeting for a Colorado Water Congress summit.
Originally published on Thu January 27, 2011 3:11 pm
Laurel Dalrymple is a home page editor at NPR.org
Despite the Xbox 360s, lifelike squawking hamsters and remote-controlled flying fairies now on the market, my 8-year-old daughter asked for just one thing last Christmas: an ant farm.


text:
The Tiffin Police Department is searching for the person they believe robbed a local gas station.
The police posted to their Facebook page that at 1:10 a.m. Wednesday, they received a call that the Hi-Miler gas station at 247 South Sandusky Street had been robbed.
Surveillance video shows the suspect entered the store holding a weapon and some kind of squirt bottle. The store clerk attempted to fight him off by throwing things at him, but the suspect squirted the clerk in the face with an unknown liquid, which caused his skin to burn. The suspect then fled the scene with money from the cash register.
Police said on Facebook that the suspect was holding what appeared to be a gun wrapped in a sock.
The suspect is described as a white male, approximately 5 feet 8 inches tall, weighing between 160 and 180 pounds, and wearing all black clothing with gloves and a mask.
The police released the surveillance video, hoping someone will recognize the suspect or his clothing.
Customers are shocked a crime like this happened in their town.
"I've heard of crime around, but like I said, I wouldn't expect it on a main road here," said James Rainey.
Others question security measures.
"Maybe we need more security cameras around here," said Ken Huffman, who visits the gas station daily.
Anyone with information should contact the Tiffin Police Department at 419-447-2323.
Mobile users, click on the "Video" button in the app to watch this story. Download our app here.
Copyright 2013 Toledo News Now. All rights reserved.
3933 Washington Road
Augusta, GA 30907
(706) 650-5400
FCC Public File
(706) 650-5400
EEO Report
Closed Captioning


text:
The first trailer for the David Fincher-directed, Kevin Spacey-led Netflix original political drama series "House of Cards" premiered on the service earlier this week and has now been made available to the rest of the world for viewing below.
All thirteen episodes of this American-set modern remake of the classic British mini-series arrives February 1st only on Netflix. Spacey plays Congressman Francis Underwood who, along with his wife Claire (Robin Wright), will stop at nothing to gain power within the U.S. political system.


text:
Who's your favorite ukulele player? What song would you love to hear covered as an ukulele instrumental? Let us know!
We've got a new compilation of ukulele songs out, Island Style Ukulele! Featuring 14 newly recorded island favorites by Na Hoku Hanohano and Hawai'i Music Award winners and nominees such as Troy Fernandez, Herb Ohta Jr., Benny Chong, Imua Garza, Brittni Paiva, Gordon Freitas, Kalei Gamiao!
Buy it today at www.www.mountainapplecompany.com/island-style-ukulele


text:
We Are Advancing Missouri
From health to education—from the arts to agriculture—and everything in between, the University of Missouri System has a unique and important statewide role in Advancing Missouri. Explore the difference the University of Missouri makes in each of Missouri's 114 counties by selecting a county from the adjacent map.
Mission Statement
The mission of the University of Missouri, as a land-grant university and Missouri's only public research and doctoral-level institution, is to discover, disseminate, preserve, and apply knowledge. The university promotes learning by its students and lifelong learning by Missouri's citizens, fosters innovation to support economic development, and advances the health, cultural, and social interests of the people of Missouri, the nation, and the world.
The University of Missouri System is comprised of four campuses (in Columbia, Kansas City, Rolla and St. Louis), a health care enterprise, 10 research parks and incubators, 19 agricultural research stations and a vast network of Small Business & Technology Development Centers and MU Extension offices across the state.
There are more than 75,000 students enrolled in the four-campus University of Missouri System. UM enrolled 50 percent of first-time undergraduate students enrolled in the state's four-year public institutions and awarded 54 percent of the 28,798 bachelor's or higher degrees awarded by Missouri's four-year public institutions in 2011.
Nearly 8,000 top-quality faculty and researchers work on the campuses of the University of Missouri System.
With more than 31,000 employees, the University of Missouri System was Missouri's 2nd largest employer in 2011. UM employees and retirees residing in the state paid $47.8 million in Missouri state taxes.
More than 234,000 university alumni live in the state, comprising about half of all University of Missouri System alumni around the world.
Economic Development
In fiscal year 2012, the university attracted $312 million in grants and contracts—funded primarily from outside the state but spent within the state—and had $325.5 million in research expenditures. In addition, the university was issued 34 patents and filed 69 new patent applications; created 8 startup companies based on UM technologies; and generated $6.76 million in licensing income.


text:
click image to zoom
click to expand
Men's Charged Cotton® Storm Heavy Hoodie
$74.99 $99.99
Black (001)
Please select a size
Only X available
what's it do?
Nothing says killer comfort quite like a hoodie. But when the temps really start drop, your old-school sweatshirt can't keep up. Until now. We took our popular Charged Cotton® Storm fleece and added an ultra-warm waffle lining to trap heat without losing performance. Now your favorite hoodie is also your favorite jacket.
The fundamentals
- Loose: Full, loose fit for enhanced range of motion & breathable comfort no matter where your workout takes you.
- UA Storm gear uses a Durable Water Repellent (DWR) finish to repel water without sacrificing breathability
- Charged Cotton® adds quick-dry performance to the soft comfort of cotton
- Sturdy 305g cotton-blend fleece has a hard-faced outer and a soft, brushed inner to trap warmth
- Substantial waffle lining fabric traps heat without weighing you down
- Signature Moisture Transport System wicks sweat away from the body
- Underarm grommets with added breathability
- Durable ribbed cuffs and hem
- Front hand pockets
- Body: Cotton/Polyester
- Lining: Polyester
- Imported


text:
A common concern before people start working out is – If you stop working out, does muscle become fat? This is a common myth. Let's show you how.
When you start working out, your body builds muscle. To build and maintain muscle, your body uses calories. As a result, your metabolic goes up. With an increased metabolic rate, your body needs more calories to maintain itself. So, you get hungrier and you eat more. As long as you keep up the cycle of working out and eating appropriately, life is great.
Now when you stop working out for a long period of time, due to inactivity your muscles begin to atrophy (shrink in size). So, your muscle mass reduces. With a reduced muscle mass, your body needs fewer calories to maintain itself, thus the amount of food needs to reduce appropriately.
This is the problem. When people stop working out, they don't reduce their diets appropriately to match their reducing metabolic rates. So, they stop working out but keep eating the same amount of food. As a result, there is excess calories in the body. And we all know what happens with excess calories- they get stored as fat in the body.
So, muscle does not turn into fat. Its the extra calories that you eat that turn into fat. Next time someone tells you that muscles turns into fat, feel free to enlighten them or send them to us! And just know that as long as you know your daily calorie requirement, you won't gain any weight!
Similarly, know that muscle does not turn into bone either!Author Information - this article is written by a wellness coach @ FitHo


text:
Pay Yourself First
Published on - October 19th, 2009 (Modified on - March 13th, 2013) (by J.D. Roth)
This article is the fourth of a fourteen-part series that explores the core tenets of Get Rich Slowly. It's also a part of National Save for Retirement Week.
One of the oldest rules of personal finance is the simple admonition to pay yourself first. All the money books tell you to do it. All the personal finance blogs say it, too. Even your parents have given you the same advice.
But it's hard. That money could be used someplace else. You could pay the phone bill, could pay down debt, could buy a new DVD player. You've tried once or twice in the past, but it's so easy to forget. You don't keep a budget, so when payday rolls around, the money just finds its way elsewhere.
And besides: What does "pay yourself first" even mean?
To pay yourself first means simply this: Before you pay your bills, before you buy groceries, before you do anything else, set aside a portion of your income to save. Put the money into your 401(k), your Roth IRA, or your savings account. The first bill you pay each month should be to yourself. This habit, developed early, can help you build tremendous wealth.
Why pay yourself first?
If you're just getting started in the Real World, saving may seem impossible. You have rent, a car payment, groceries, and maybe student loans. Sure, you'd like to save, but there's just no money left at the end of the month. And that's the problem: Most people save what's left over — left over after bills and after discretionary spending.
But if you don't develop the saving habit now, there are always going to be reasons to delay: you need dental work, you want to go to Mexico with your friends, you aren't making enough to pay your bills. Here are three reasons to start saving now instead of waiting until next year (or the year after):
- When you pay yourself first, you're mentally establishing saving as a priority. You're telling yourself that you are more important than the electric company or the landlord. Building savings is a powerful motivator — it's empowering.
- Paying yourself first encourages sound financial habits. Most people spend their money in the following order: bills, fun, saving. Unsurprisingly, there's usually little left over to put in the bank. But if you bump saving to the front — saving, bills, fun — you're able to set the money aside before you rationalize reasons to spend it.
- By paying yourself first, you're building a cash buffer with real-world applications. Regular steady contributions are an excellent way to build a nest egg. You can use the money to deal with emergencies. You can use it to purchase a house. You can use it to save for retirement. Paying yourself first gives you freedom — it opens a world of opportunity.
I've never met anyone who does not wish they had started saving earlier. Nobody tells themselves, "Saving was a mistake." No matter what your age, begin saving now. And if you already save, consider boosting how much you set aside each month.
How to pay yourself first
The best way to develop a saving a habit is to make the process as painless as possible. Make it automatic. Make it invisible. If you arrange to have the money taken from your paycheck before you receive it, you'll never know it's missing.
Part of your savings plan will probably include retirement, but you should also save for intermediate goals too, such as buying a house, paying for a honeymoon, or purchasing a new car. Here are three easy ways to begin doing this yourself:
- If your employer offers a retirement plan — such as a 401(k) — enroll as soon as possible, especially if the company matches your contributions. Matched contributions are like free money.
- Starting a Roth IRA is one of the smartest moves a young adult can make. These accounts allow your investments to grow tax-free. Because of the extraordinary power of compound interest (and compound returns), regular investments in a Roth IRA from an early age can lead to enormous future wealth.
- Open a high interest savings account at a bank like Capital One 360 or FNBO Direct. Set up automatic transfers into this account, either directly from your paycheck or from your regular bank account. Treat these transfers like you'd treat any other financial obligation. This should be your first and most important bill every month.
The real barrier to developing this habit is finding the money to save. Many people believe it's impossible. But almost everyone can save at least 1% of their income. That's only one penny out of every dollar. Some will argue that saving this little is meaningless. But if a skeptic will try to save just 1% of his income, he'll usually discover the process is painless. Maybe next he'll try to save 3%. Or 5%. As his saving rate increases, so his nest egg will grow.
If you're struggling to find money to save, consider setting aside your next raise for the future. As your income increases, set your gains aside for retirement and savings. Once you're contributing the maximums to your retirement (and you've built emergency savings), you can begin to use your raises for yourself again. Sure, this means your effective salary will stagnate for a year or three or five. But it also means you'll force yourself to develop the saving habit.
Further Reading
No matter what your age, you should make it a priority to develop a regular saving plan. Establishing this habit early can lead to increased financial security later in life. But even those of us who got a late start should do our best to pay ourselves first. I didn't begin doing this until just a few years ago. Better late than never.
Though many personal finance books briefly explore the idea of paying yourself first, David Bach's 2003 best-seller, The Automatic Millionaire is devoted exclusively to the subject. The entire book is a step-by-step guide to developing the saving habit and making it automatic. If you'd like more ideas about how to make this work in your life, this is the place to look. Any good public library will have a copy. Finally, here's a recent Get Rich Slowly discussion about how much you should save for retirement.
Pay yourself first, my friends. It's a habit that you will never regret.
This is the fourth of a fourteen-part series that explores my financial philosophy. These are the core tenets of Get Rich Slowly. Other parts include:
- Tenet #1: Money is more about mind than it is about math
- Tenet #2: The road to wealth is paved with goals
- Tenet #3: To build wealth, you must spend less than you earn
- Tenet #4: Pay yourself first
- Tenet #5: Small amounts matter
- Tenet #6: Large amounts matter, too
- Tenet #7: Do what works for you
- Tenet #8: Slow and steady wins the race
- Tenet #9: The perfect is the enemy of the good
- Tenet #10: Failure is okay
- Tenet #11: Financial balance lets you enjoy tomorrow and today
- Tenet #12: Nobody cares more about your money than you do
- Tenet #13: Action beats inaction
- Tenet #14: It's more important to be happy than to be rich
Look for a new installment in this series every Monday through the end of the year.
This article is about Basics, Investing, Retirement, Savings
I recently learned a lesson about saving money from pay raises. I've often heard that advice, but never seemed to be able to do it. The lure of "extra" money was too great — I thought about additional monthly expenses that it would cover, or the extra things we could buy.
However, as a result of the economic downturn, my employer stopped all raises for this year, and likely next year as well. (I do realize I'm incredibly fortunate to still have a job and fortunate that I didn't have to take a pay cut). What I've learned is that while the missing raise is a psychological bummer, financially, we haven't missed it at all.
As J.D. points out, we were used to living on the income without the raise. We've not lost anything. If my employer does resume giving raises, it will be much easier for me to bank the "extra" money rather than spend it.
Like you said, getting started is the toughest part. I started by setting aside $50 a month to my ING account. It didn't feel like much, but it was basically a night of going out to dinner and drinks, so it was easy to "find the money."
As time passes and you get a better handle on things, that number will go up.
Paying yourself first also helps you to be more adaptable. If you are nearing the end of the month and you are running out of money, you will find a way to cut expenses or generate more income.
We pay ourselves first via the 401K at work so we never see that money in our pay check and then we pay ourselves first again by directing money to both long term and short term savings goals (via auto transfer to ING). Although we see the money that goes to ING we don't count it as part of our available funds.
Gross Salary – taxes – 401K = Net Salary
Net Salary – savings goal transfers – recurring bills – special bills – allowance (what we use for day to day spending) = $0
Funny, I was just thinking the other day that the whole idea of "pay yourself first" is mis-named a bit.
It should be called something like "make saving a high(er) priority".
Typically people will try to save whatever is left over after their normal spending which means the saving aspect is the lowest priority. Putting it first just makes it a higher priority.
The PF blogsphere is slowly becoming useless with every blogger peddling the same advice. I guess there's only so much about PF you can talk about…
It's so true that the longer you wait to establish this habit, the tougher it gets to begin it. I'm still struggling with the "pay yourself first" or put some money into savings before paying the bills.
This past year my husband had a bit of luck with his business and we were able to save some the additional income that came in. Now, he is back to his normal income and it's much tougher to do.
At least this month I set aside a small amount. I have lofty savings goals for the next six months, so I think I'll have to look into an automatic transfer from my checking to my savings to get these accomplished.
thanks for the reminder!
Little House
Well, "tremendous wealth" might be a bit of an overstatement. But it is surprising how quickly even a small monthly set-aside adds up.
By the time the Great Desert University quit docking our pay with furlough days, I had learned to live on $500/month less than my alleged actual salary. So when the furloughs ended, I started putting the amount of the "increase" back to my former salary into savings.
You also can increase contributions by putting the amount of loan payments into savings as you pay off debt. Obviously, if you can afford $300 or $500 a month for a car loan, you don't need the money to live on.
Truth to tell, the only way to build credible wealth by paying yourself is to earn more money. What really goosed my savings was getting a second job and putting all the net income from it directly into savings.
Paying yourself first is indeed the way to go. And truly, you dont miss it!
I make $47500/year and I'm single.
10% goes to a 403B through work
6% goes to TIAACREFF through work (and 3% is matched)
$5000/year goes to a ROTH IRA
$6000/year ($1000 every other month) goes to a ladder of 1 year CDs for Long Term Savings
The hardest part I have on my savings strategy is making sure I can do the contributions to the Long Term Savings plan and I occasionally faulter, having to skip a month about once a year. I dont want to live like a hermit afterall! But overall it does feel so good to have this money socked away and it *can* be done, if you do it automatically!
Thanks again JD for a great article!
Saving through a 401(k) is a really painless way to do it. Even for low-income earners. You don't even miss that extra $20 out of your $200 paycheck, because it's taken out before taxes. So it doesn't FEEL like a whole $20 is absent. Anyone who has access to a 401(k) should open one for themselves. Saying "I don't make enough" is no excuse at all. If I can do it, ANYONE can do it.
I totally agree with this as a tenet for personal finance. I would be wary of some of the numbers used by Bach though. He sometimes disregards inflation in telling you how much you'll end up with and assumes very high interest rates 10-12%, which he calls the historical return of the stock market.
Most people, including Warren Buffett, doesn't think it's reasonable to expect that kind of return, even including dividends (and the dividend landscape has changed dramatically in the last 20 years). Just something to keep in mind.
Still paying yourself first, and making it automatic, is a vital tool for saving and building wealth.
The biggest roadblock to becoming wealthy is living like you are wealthy before you really are. By paying yourself first, you take away the temptation to spend. If you don't have any money burning a hole in your pocket, you wont be able to waste it on frivolous stuff. High interest savings accounts, ROTHS / IRAS and 401ks are a great way to pay yourself first. Great Post!
I'm 22, making $38k
In January, I started a 401k putting 4%, with the 100% match, currently $2800.
I have $2k saved in an emergency fund, and recently started putting $750 per month in that to bring it to six months salary.
$6k saved for a house.
I also paid off all my revolving debt this year, including medical bills.
Now I'm starting to save up $3k to start up a Vanguard Roth IRA.
Once I get a house, I'm going to concentrate on my student loans to try and knock them out within 5 years.
Hey JD,
The secret to a great, sturdy house is a rock-solid foundation.
And the secret to a great, wealth-building personal finance system is a solid foundation.
The solid foundation is saving ie. paying yourself. Would you put all your money into fancy furniture and rugs while skimping out on the actual foundation you build your house on? No. So why would you not prioritize your personal finance foundation as well? Pay yourself first.
Thanks for the solid reminder that paying ourselves first is personal finance priority number one,
Paying yourself first is the Key to being rich. I've read in many books like "Richest Man in Babylon", "The automatic Millionare" and others. First, it did not make much sense in doing. But after repeated reading, I started doing it. It's amazing to see the money growing. Today, I paying myself first at least 15% to 25%. Friends, it works. And like any habits, this is a habit, but a rich habit. This is the key to being rich.
I wish I could find a "high interest" savings account. At this point in my life, paying down my 5% mortgage is better than putting money in that elusive high interest savings account.
All the money books tell you to do it. All the personal finance blogs say it, too.
It's not quite a 100 percent consensus, J.D. The title of Chapter Four of my book (Passion Saving) is "Pay Yourself Last."
The suggestion implicit in the slogan "Pay Yourself First" is that saving is always better than spending. It is not so. The goal should not be to save. The goal should be to allocate your money to spending or saving effectively. The aim should be to save when that offers the best value proposition and to spend when that offers the best value proposition.
Why should the money go first to saving? Is saving really more important than paying the rent? Is saving more important than obtaining health insurance for your family? Is saving more important than having food to eat?
You suggest that no one ever regretted saving. Many people should regret saving. There are people who won't go out to a restaurant lunch with a friend because it costs too much and who miss out on hearing about great job opportunities as a result (people often share such information in a relaxed setting and often only a restaurant meal does the trick). There are people who fail to get promotions because they are not willing to spend the money on clothes that would make them look like management material. There are people who perform poorly on their jobs because they won't spend the money needed for a vacation that would recharge their batteries.
People fall for the line that saving is always best because it is certainly true that most of us spend more than we should. Most of us should indeed be saving more than we do. But that's not because saving is inherently the better choice. It's because we live in a marketing age and the benefits of saving are rarely marketed effectively.
I believe that people should determine their saving percentage only after having looked at all spending opportunities and having concluded that saving X amount offers the better long-term value proposition. That's Paying Yourself Last, not First.
Im 24, and put 10% pretax into my 401k. In addition, my fiancee and I save somewhere between 30 and 35% of our "take home salary" (this is salary after taxes, 401k, and insurance). But, I hate the idea of pay yourself first. I would much rather keep the "extra" money in our checking account until the end of the month, and then transfer is to our online savings account. This makes sure all our bills are paid, and that we've been paid for the next month. Our savings amount always varies, but stays pretty high regardless.
We just bought our first house – using this savings plan for a downpayment. But we are now using this savings plan for a large downpayment on a car, and a hefty emergency fund in case one of us loses our job. Savings at this point in our lives is crucial – but it seems like there are too many expensive things to pay for (house, wedding, newish car for me, emergency fund, etc the list goes on)
[Sorry to be a wet blanket, but in an age when 1 of 2 marriages end in divorce... ]
With regard to the comment on your wife:"… Now she saves 30% of her income…My wife is awesome."
I would like to take the opportunity to remind people that if they are married, their spouse's money is not their money. If only your spouse's signature is required to access that money, it can be moved around to different accounts, easily spent, etc., by all means you should still praise your spouse, but you should not count it as your personal wealth.
If your spouse and you put money into a joint account that requires both signatures for withdrawal, then it is safe to count that money as yours. In the event of a divorce, subtract 10% or more for legal fees from the total of joint accounts and take 50% from that remainder.
You should assume this even in a community property state because sometimes there is fraudulent behavior by 1 or more parties.
Another "pay yourself first" is as soon as you pay off your car, continue making your car payment to a savings account. You're used to not having that money anyway. Sadly, I didn't hear that advice until long enough after I paid off my car, so I wasn't able to painlessly do it (I'm working my way towards it now).
@Jimbo (#6):
The truth is that personal finance is not really that complicated. The reason you hear everyone giving similar advice over and over again is because it works. It's not an easy fix and it's not quick, but it will help you gain control of your finances and find success.
It's not like science where you can do some research and possibly discover something that no one else has ever found.
Carol @#19-
While what you say is true, I don't think that's the point JD is trying to make. He's not counting on my savings for himself; he's counting on it for me. And it shows us that's we're working together for a stable financial future.
I think it is very important to revisit these basic ideas, again and again. It's easy to talk the talk, but not to…
On the 'paying yourself first' concept, however, I am currently having some doubts about its universal relevance. We just recently STOPPED paying ourselves first. The reasons come close Rob Bennett's comment (#17).
A large portion of our current income is irregular. In the past we 'paid ourselves first' from our regular income, as well as from our irregular ones. As a result our regular income couldn't cover our regular expenses and we had to supplement them from the irregular ones.
Paying ourselves first had of course its benefits: we managed to pay back our debts and build a reasonable emergency fund. But it also made budgeting and planning difficult, and it was also quite stressful.
Our current approach is to try to make our regular income cover our regular expenses. The savings will come from the irregular income.
We are yet to see if this works. However, I'm currently much more calm, because I now know that our regular expenses will be covered every month. So there is no desperate need to get extra income to fill in for the basic expenses. Funnily enough, it also makes me more motivated to do extra work, because I know that the income produced will build our savings rather that just be spent on everyday stuff.
(Note: We live in Finland and the concept of 401k's and Roth IRAs and what-have-you don't apply. The benefits from saving through these instruments are probably undisputable, as far as I understand the system.)
I've never met anyone who does not wish they had started saving earlier.
Yes and no. My parents had created a trust account for me, which I could make deposits into but not withdrawals — at least not until I was 18. My parents could make withdrawals, however, and did, when they fell behind on their mortgage when I was 16. $600 of babysitting money GONE.
(After all, they needed it and I lived in the house too, right? **steam pours from ears**)
I CERTAINLY regretted saving that money at the time. If I hadn't saved it, then at least *I* would've had the benefit of it.
A few months later I opened a new, individual account for myself. At a different bank. I didn't tell my parents.
Years later, though, I was still dealing with the fear that any money I put in savings might disappear.
Always liked the pay yourself first. I myself do the 401K thing. But after the money goes into the bank I have done something I don't think many do. I have a big plan that takes a fixed amount from every paycheck and allocates part or the whole to different things in order to achieve a goal by a certain date. I wrote down all my big money goals and when I wanted them by: stages of an E-fund, car savings, home improvement savings, PMI payoff, extra towards retirement. So Each payday I mark off that entry in the spreadsheet and I can see where I am on my plan. The plan actually goes out to 2011. Obviously If something goes wrong that plan might have to change, but for right now it keeps me on track with my long term goals in very concrete steps. If nothing else it is the motivator to save.
@Rob Bennett — I like your perspective I certainly wouldn't contribute to my savings if it meant not being able to pay my bills. Simply avoiding late fees and interest charges provides a better return than most savings accounts right now!
I'm grateful that I can live below my means and make regular contributions to my savings, even if it isn't a ton of money. I don't consider these automatic payments as "paying myself first" because I've set goals and priorities. I guess the whole point is to make savings and investing a part of the financial plan, not an after thought.
This is one of my personal favorite financial fundamentals. If you combine it with "spend less than you earn" it makes the rest of personal finance *so easy*.
Here's how I do it:
1) Pay yourself first. Have as much money as you'd like to save deducted automatically from your paycheck, or your bank account on the day you get paid.
2) Whatever is leftover is what you've "earned". Don't spend more than this.
That's it. You can buy anything you want. You don't have to budget at all. You come out ahead at the end of every month. If you have money in your checking account and you've already paid your bills for the month, go ahead and buy whatever you'd like. If you haven't paid your bills, pay them. Whatever's leftover is free money that you don't need to keep track of. If you're not sure how much your bills are going to cost, estimate high and don't spend that money until you've received them and know how much they'll be. Really, you can wait until after you get the electric bill to decide if you can afford a new iPod.
This post would have been a great time to remind readers of the balanced money formula from All Your Worth.
The great premise behind that mix of money management, (20% savings, 30% wants, and 50% needs) is, if you follow the 20% savings rule first, who cares what you do with your needs and wants. It's really a matter of personal taste and levels of comfort after that.
Any formula that allocates 50% of your income to needs only applies to people who make exactly twice a subsistence salary, does it not?
How does a migrant farm worker apply this formula? He doesn't make twice the amount of money necessary to survive. How about a cardiac surgeon who earns $300k/year? He's supposed to spend $150k/year on food, clothes, and housing?
Seems like a formula with less than general applicability, to me. In fact, the percentages seem quite arbitrary.
We pay ourselves first, third, AND last. We have money taken out for 401k before we get the paycheck, then pay all the bills, including predetermined monthly contributions to our ING accounts, then leave the rest in checking as spending money. The day before the next paycheck, anything leftover in checking goes to ING.
We are about to tweak this plan a bit, however, to include a monthly "bill" to our Roth IRA's as well.
We've saved quite a bit this way, and it is satisfying, not painful!
I think I'm pretty good at this, though it's not exclusive for me… And I probably do need to save more, but I really don't want to live like that much of a hermit and regret not living life to the fullest (that I can afford) while I'm young.
That said, last year I made a goal to save $1,000 towards retirement. I had that $1k in my Roth IRA, and have added $300 to it this year. I also signed up for my 401(k) this year, putting in 4% of my earnings and getting a dollar-for-dollar 4% company match. (Immediate vesting, too! I wish I had done it last year.) So far, I'm on track to contributing $1k to retirement this year, and may even exceed it! For the most part, it has been very painless as well, as the 401(k) contributions are gone before I even see how much I made.
I also set aside for emergencies, and I'm currently setting aside money to pay off my $2k car loan, which I should have enough to do by the end of the year. After that's paid off, I'll work on finishing up the project and move on to saving for the next car/project, tattoos, or any other expensive l'il thing I'd like. (A dSLR is high on my list, plus photography classes and things like that.)
Like others, I also pay myself last… Sweeping any unspent "spend" money into my car's account for the big loan payoff. Sure, it might only be $8 left of my $35 "allowance," but it all helps!
@ Tyler # 29
There are always going to be exceptions to any rule and or advice stream. One thing I have noticed about migrant workers is that very often they cohabitate with other migrant workers, such that their living arrangements are spread out among many. It allows them to save on rent and utilities as well as to 'send money back home.' So they may not have to have wages twice the subsistence level if the subsistance level is altered due to "unusual" living arrangements.
I tried doing the pay yourself last, I couldn't get it to work. My left over money just stayed in my chequings account just in case. I do have a Canadian Savings Bond setup at work for an automatic withdrawal from each paycheck (up to $650 now), plus my work pays 5% of my salary into my RRSP, so I did have some automatic savings already.
But because of this post today I set up an automatic $25 withdraw every Monday into savings (for that $1000 emergency fund). It's only 3% of my take home, but it's a start. I also maximized my CPP and EI deductions, so that freed up $180 per month til the end of the year. Conveniently just in time for xmas.
Another good place to set aside money is in a Health Savings Account, if your health plan qualifies. With payroll deduction, the tax savings are similar to 401(k), you have the social security tax savings on top of the normal 401(k) tax savings and most banks offer nice interest rates and money market opportunities for Health Savings Accounts. Your money is accessible if you need it for health care out of pocket expenses.
Every month, we save atleast 40-50% of our salary. Sure we have made mistakes and still make some but the habit to save never goes down. Its not a chore to save but we take fun in doing so:)
#19, Carol
We dont stop living because one day we are going to die. Similarly, people dont get married thinking that they will get divorced some day! Without trust, the institution of marriage won't survive. Between me and my husband its not "my" or "his"money, its our money.
I love the concept of paying yourself first. The idea that some people work… pay for taxes, bills, fun and then save what's left doesn't sound appealing to me. I work for myself… not the bank, credit card co's or clothing store… therefore I pay myself first.
I'm 33. Wife and I make 240k/ year. We should be living large, right? No way. We live as though we make maybe 65k/yr. Cars paid off, no debt. This has allowed us to save almost 300k in cash savings after all retirement vehicles funded.
Pay yourself first is really just shorthand for "spend much less than you make and bank the difference." It requires some diligence but is self-reinforcing once you see the money grow.
@ Tyler
"How does a migrant farm worker apply this formula? He doesn't make twice the amount of money necessary to survive."
Try triple or quadruple. The money migrants workers are able to save would be shocking to a lot of people, and belies their outward appearance. People don't risk their lives, and move far away from their friends and family, to enter America to lead a life a subsistence. They can do that back home. They come here to earn gobs of money (and send it home and/or save it).
The best stories of frugality today are where some guy arrived to the USA through the backroads, spends 5 years picking raspberries, and in doing so is able to save enough to pay cash for a nice house back home in Guatemala. Why aren't these stories getting more attention in the personal finance press? People who have no labor skills, don't speak the language, and were born in the wrong country have mastered the system, where as most people who are born here, live and die without ever figuring it out.
"How about a cardiac surgeon who earns $300k/year? He's supposed to spend $150k/year on food, clothes, and housing?"
And so you have lifestyle inflation if you follow the 50% balanced money formula which JD advises. The more money you make, the farther you have fall should your income dry up, and your chance of suffering a big income drop is commensurate with your income. Going from the $300K/year lifestyle to a $100K/year lifestyle must be pretty rough if you're spending 50% of what you earn. This formula may be applicable for people in sweet spot of maybe around $50K-$100K a year, but not outside of that.
Where frugality gets interesting is when you are earning like a cardiac surgeon, and saving/spending like a migrant farm worker.
I have always paid myself first from my first after school job at 14. Then from the moment I had my first full time job at 18 I saved at least 10 and mostly more like 15% of my salary by direct deposit.
Because of this I have been able to travel all around Australia, take two years off work and live in Europe, buy an investment property and I am just about to buy a property for me to live in.
All because I paid myself first, so I knew what was left over after I paid my rent, bills etc, was mine to spend any way I like.
Has worked for me for over twenty years.
I think this is a point that is not mentioned enough.
When I was sinking deeper into debt, of course I was the only one I was paying. However, on the way out of debt, after I knew I was doing the best I could, I did pay myself first.
You have to to avoid going crazy. Plus, if you are at least sending your creditors something–they'll be alright.
Those with a stay at home parent- make sure they "pay themselves" as well. There is nothing more frustrating than to see my dh's account so much larger because HE was the one working outside of the home.
Match BOTH accounts for retirement. It will cause fewer problems when your marriage turns twenty.
I work and she takes care of the house and our son. We don't have any friends that are in even close to as good of a financial position as we are and they all make double or triple what we do. The secret to our success is sharing every aspect of our lives and making decisions together about what is best for us and our family. We don't technically pay ourselves first: we agree on our priorities first, budget second and ultimately pay ourselves first and last with what is left.
All of those friends seem to have separate finances with totally different directions and priorities. Our multiple accounts are: House, College, Next House and Emergency rather than His or Hers and it has worked great for us. Don't get me wrong- one of us (me) definitely has to be the aggressor/captain but it is still a team effort and we are a great team.
My apologies if this seems confrontational – just feel like there should be some positive contrast to the prevalent His and Hers comments here. There is a way to combine finances successfully and it is 99% communication.
@Jon #37:
"Pay yourself first is really just shorthand for "spend much less than you make and bank the difference." It requires some diligence but is self-reinforcing once you see the money grow."
I think you've nailed it Jon. If a person or couple lives below their means, and saves the rest, they've got the concept right. The rest is just details. Important details (because you have to ensure you're living the right amount beneath your means), but details nonetheless.
So, master the basic concepts, and live them, and then optimize as you see fit. There are many sources for different optimization strategies. Pick one that makes sense for you and yours, and go enjoy life!
Definitely wise advice. But also don't forget that money isn't the ultimate goal. You want to live a happy and well-adjusted life. That includes amazing vacations, splurging on fancy dinners and doing things on a regular basis that make you happy.
Just make sure you earn the money _first_ and then buy the pretty new gadget. (Speaking as an IT guy – cutting edge is bleeding edge – wait at least 6 monthes before buying new hw to run Windows 7)
In January of this year we maxed out our 401K contributions at work and have been adding a fixed amount to CD's and our ING Account each month. I am surprised at how quickly the savings adds up.
J.D., I notice you mention your wife's automated savings and not your own. Does fluctuating income play a role in this?
I currently automate my finances heavily because I have a steady income. For those business owners and entrepreneurs out there, how do you automate your finances when you have fluctuating income? Just a larger cash cushion?
But should you save money first when it looks like you're going to have to take out loans just to make ends meet? I'm in grad school on a $20,000 a year scholarship and my wife, just out of undergrad, was only able to find a stable job in her field with upward mobility at minimum wage. With school loans about to come due, we're going to earn $1,100 per month (since my scholarship went to pay for health insurance this semester and is therefore all used up) and we're going to owe around $1,700 per month. Shouldn't any extra money, in this case, go towards paying off the additional loans that we're about to incur due to me earning only, after paying for school, $7,000 per year and my wife earning below the poverty level?
What's the average high interest rate? …cause yearly inflation is 5% in USA…
Excellent advice, especially when it comes to putting away more of your income as you earn more. In fact, starting a business is good idea for a lot of people. I'm sure GetRichSlowly.org adds a bit to the bottom line each year which can be saved in a Roth IRA or high yield savings account. And a part-time business also allows owners to take tax deductions which leave money for investment. But, of course, pay yourself before you invest any resources in a part-time business!
JD I m glad that you use your wifes case as an example. I can reiterate what she is doing and know how powerful it can be out of my own experience. You can see the results I have had with this technique when applied consistently over more than a decade: http://www.wealth-steps.com/personal-finance-tip.html


text:
Entertainment Society of Goa has set up a Digital Film Archive in Goa which is a novel initiative in Asia.....Read more...
Established by the Government of Goa in 2004, as the nodal agency in the organization of the International Film Festival of India (IFFI), the main objective of the Entertainment Society of Goa (ESG) is to frame an entertainment policy to help cultivate Goa into a world-class international entertainment nerve center of the country.
Successfully hosting the 35th, 36th ,37th, 38th, 39th, 40th, 41st and 42nd, 43rd and 44th International Film Festival of India to a glare of media and fanfare, the objective of the Entertainment Society of Goa is to work towards building global visibility and branding. This goal ensures that the State earns revenue on a long term basis from ventures in film entertainment and leisure projects...read more...
Note: Online Registration will start from Tuesday i.e (09/09/2014) Click Here to go to online application form
More Information about the various facilities like Media Center, Conference Room, Film Theaters & Art Gallery, that can be availed on the Campus of the Entertainment Society of Goa...Read more
Goa offers a picture perfect setting with its exotic, multi-hued beauty. It is culturally vibrant, and filming is hassle-free, with low production costs and easy modes of communication, and no language barriers. One can choose from a diverse range of locations and seasons, each with their own moods, offering breath-taking natural visual masterpieces. Beaches, rivers, temples, churches...Read more
The Entertainment Society of Goa offers a unique SHOOTING YOUR FILM IN GOA for granting clearances for the ease of Shooting Films in Goa.
Just one application with your shooting schedule gets you all required permissions against a payment of Rs. 10,000/- per day in Goa within 72 hours.Read more


text:
We provide energy saving solutions for your home in Fresno and Madera counties of California. Our goal is to improve the home that you love by making it more comfortable to live in and more affordable to operate.
We use the 'whole-house' approach. This means every item that may affect your utility bill is addressed and considered when creating the perfect energy saving scenario. Whether you plan on living in it for the next 30 years or the next five, we want to make sure the time spent in your home is as comfortable and affordable as possible.
Brandon De Young, President
Join the VIP Club to receive special offers and news from De Young Energy Makeover


text:
DC Way Everything WashingtonDC
10,000 - 50,000 downloadsAdd this app to your lists
+ By MyCityWay
Useful for LOCALS and TOURISTS alike
Live Traffic Cams, Wifi hotspot locations, Major Tourist Attractions, Things to do for FREE, Restaurants, Hotels, Metro, Nightlife, Shopping, Salon & Spa...and so much more
Tags: dc way, aplicaciones en washington dc, washington d.c., , washington dc tourist, gold dc, qr code dc, d.c. way, dc way everything, traffic apps washington dc.
(56 stars)
Nice local app... really needs links to place/event websites
(56 stars)
As an app, not much more than a basic short reference guide for the visitor. Maybe a DC'er would find it useful but me'h.
(56 stars)
Why can't I turn this app off? It keeps the GPS on and of course kills my battery. I will uninstall.
(56 stars)
Please, for the love of god, allow apps2sd! This thing is MASSIVE (16+ MB)
(56 stars)
Always leaves GPS on with my phone, HTC thunderbolt, draining the battery & a notification that never goes away about your location being updated!
(56 stars)
I know DC is no NYC but this app doesn't do the job if you aren't from the area. Did a search for cruise and nothing came up! NYC app list cruises.
(56 stars)
Need way to quit other then force quit


text:
The California middle school debate championship took place this past weekend on the campus of UC Berkeley. Attending the tournament were elite middle school debate teams from across the state, including the top teams from the Bay Area.
Students had the choice to compete in one of two styles of debate, including Lincoln-Douglas and Public Forum Debate. Topics differed in each event, making preparation a key to success. Many of the young competitors spent long hours, both inside and outside of class, preparing for the prestigious state event. The state tournament was the culmination of a year of hard work.
After two grueling weekend days the field of competitors was narrowed to the best of the best. The students who distinguished themselves through six preliminary rounds then competed in octofinals, quarterfinals, semifinals, and the ultimate pressure situation, a winner take all final round. The Young Genius Program from the Bay Area dominated debate. The team of Amber Lee and Sally Kim from Young Genius Academy were the first ever California State Champions in Public Forum Debate. Young Genius had 9 of the top 16 teams in the event and 13 of the top 15 speakers ranked by individual scores. The team of Kim and Lee won all 10 of their debates to emerge as the undisputed champions of California.
"The year-long preparation is part of an important process in developing public speaking and critical reasoning skills in young minds," commented Young Genius debate coach Don Heinsohn, who coached a state champion high school squad in years past. "The awards, the recognition, these things are great, but the competition, that's what brings out the best in these kids. All of them."
Most students will now graduate to the competitive field of high school debate, where the Bay Area continues to produce some of the best competitors in the nation.


text:
Powered by 4 - September 22, 2011
Said...In Love
today's reading.
Genesis 49:1-15 Then Jacob called his sons and said, "Gather yourselves together, that I may tell you what shall happen to you in days to come...
think about it.
Jacob leaves a legacy of faith for his family; what's important for you to pass on?
the blog.
Jacob calls all his sons together for his final words in Genesis 49, and, boy is he ever candid with them. He tells his sons to listen to him and then he informs each one individually what they can expect going forward. Jacob's approach is straightforward and his words are very telling when it comes to each son's character. As hard as it may have been, Jacob didn't pull any punches. He told/revealed the ugly and undesirable things right along with the good characteristics.
This got me thinking about how we have a tendency to not see, maybe overlook, or simply have an inaccurate perception of what we're like and how we operate. So even though it may be hard to hear, it's good to have someone like a spouse, a parent, a friend, or even a child speak candidly with us...in love.
So how can we make sure we're listening and open to what others tell us about ourselves? How might you go about telling someone something difficult...in love? Tami W.
Join the discussion on the P4 Blog
Get more on this topic with Back to the Bible
Powered by 4 is all about engaging God's Word and living it out--in community. So if it's encouragement you want or motivation you need, join the discussion on the P4 Blog--a place to weigh in on the daily scripture as well as share thoughts & questions. And, for a more in-depth look at the Powered by 4 readings, tune in to the daily Back to the Bible radio program with Woodrow Kroll.
Recently on Powered by 4
Follow us on Facebook
Get Powered by 4 devotionals directly to your News Feed.
Get Powered by 4 devotionals directly to your News Feed.
Editors' Picks
Have something to say about this article? Leave your comment via Facebook below!
Listen to Your Favorite Pastors
Add Crosswalk.com content to your siteBrowse available content


text:
4 MLPs with yields starting at 7%
With yields from 7% to 15%, these master limited partnerships can help turn high oil prices into high returns.
Here, we look at four MLPs that offer yields of at least 7%: Linn Energy (LINE), Boardwalk Pipeline Partners (BWP), Energy Transfer Partners (ETP) and Inergy (NRGY).
Like regular stocks, MLPs offer investors -- or in this case limited partners -- payments that are similar to dividends, only taxed differently.
Because they are partnerships, MLPs aren't subject to state and federal income taxes. The funding costs are relatively cheap when compared to a regular dividend stock. And yet, some MLPs can generate income with even the highest-yielding dividend stocks. It's just a matter of finding the right ones.
With that in mind, here are four U.S. energy MLPs that yield more than 7%. Each company boasts a healthy bottom line already, and should continue to generate income as oil prices rise. As they generate income, so too will their shareholders.
Linn Energy, an independent oil and gas company, develops and acquires oil and gas properties across the U.S., including Oklahoma, Louisiana and California. The master limited partnership offers a generous 7.5% yield, with a quarterly distribution of $0.66 per share. Having more than doubled its payout over the last six years, and given that the company has increased its annual earnings by an average of 40% for the past five years, there's plenty of room for Linn Energy to grow.
Boardwalk Pipeline Partners, a natural gas transporter, carried approximately 10% of the natural gas supply in the U.S. in 2010. The company owns more 14,000 miles of pipeline that spans four states and serves numerous others, and has a net income of $220 million. That's why Boardwalk recently upped its quarterly dividend to $0.53 per share -- a yield of 7.8%.
Energy Transfer Partners, a Texas natural gas company, recently fell short of earnings expectations, but still posted revenue that was 25% higher than the same quarter a year ago. The MLP still has a distribution yield of 7.5% and a whopping $3.58 annual dividend. Energy Transfer's average dividend yield over the last five years is 7.4%. Energy Transfer is currently trading well below its 52-week high of $55.50. With earnings in 2012 expected to rise to $2.31 per share from $1.55 last year, it's unlikely Energy Transfer is going to cut back on its quarterly distribution to shareholders anytime soon.
Inergy currently has an eye-popping 15.7% yield; it's probably unsustainable. But Inergy does have a strong dividend history since it began paying a dividend in 2001. In fact, the company's yield hasn't dipped below 7% in nearly five years. That's because Inergy is one of the leading propane gas retailers in the U.S., and also operates a natural gas storage and transportation business.
While the stock has lagged in the past year as it tracks natural gas prices, which have been crushed of late, Inergy's earnings per share are expected to grow 27% over the next year as natural gas begins to show some signs life. That should inject some life into the stock price, and prevent the superhuman dividend from falling too far.
In a time when 10-year Treasury notes are yielding little more than 2% -- their lowest yield in over 30 years -- dividend stocks are a far more profitable alternative for income investors these days.
And, with oil on the rise and natural gas starting to bounce back, it's also a good time to invest in energy. So finding energy stocks that pay dividends is a way for investors to take advantage of these two fast-moving trends.
Related articles:
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
New study finds members of this global elite are stashing an average $600 million each in cash -- 10 times more than a year ago.
Top Stocks provides analysis about the most noteworthy stocks in the market each day, combining some of the best content from around the MSN Money site and the rest of the Web.
Contributors include professional investors and journalists affiliated with MSN Money.
Follow us on Twitter @topstocksmsn.


text:
GHA Technologies Jobs in Georgia
1 GHA Technologies jobs in Georgia found on Monster.Jobs 1 to 1 of 1
GHA TECHNOLOGIES WHEN SERVICE AND DELIVERY COUNT!! Celebrating our 25th Year of Service! Recognized as Microsoft's 2013 Western Regional SMB Partner of the Year Award winner! Check out GHA, and learn why we moved up 157 spaces on CRN's Solution Provider 500 (previously the VAR Business 500) to number 172 in just two years! The Best Compensation Plan in the Industry! Our top Sales Professional...
Didn't find the right job at GHA Technologies in Georgia?
We'll keep looking and send you new jobs that match this search.
Upload your resume and let employers find you!
It's that simple!
Popular Cities
Popular Articles
Best-Paying Work-from-Home Jobs
It's easier than ever to work from home. Of course, not every job is a mobile job, and some companies aren't interested in having their employees work from home.
2013 Marketing Jobs Outlook
The US may be facing another year of anemic hiring overall, but that won't be the case in the high-orbit world of multichannel, digital media marketing.
2013 Engineering Jobs Outlook
Engineers will find job opportunities in select disciplines in 2013, with candidates who are all-around, client-oriented businesspeople in demand.
Best-Paying Jobs by Major
What could you earn with a particular four-year degree? Find out by checking out this list of the top-paying jobs for 20 of the most common majors.
Eight High-Paying, Secure Jobs
Want to earn a good salary and enjoy a measure of job security as well? Check out these well-paying jobs on tap for fast growth in the coming years.


text: D.I.Y. Homemade Glitter! There is always a time, place, and need for glitter! Why make a trip to the craft store when you can just make it at home? Steps: Preheat the oven to 350. Place salt (table salt/sea salt) into a small bowl. Add drop of food coloring and mix with the salt. Spread mixture onto a baking sheet in one layer. Bake in oven for 10 minutes. Let cool, then transfer into a storage container for use.


text:
Attention: 08/07/2014 - We apologize for the inconvenience but the Hatchery (H) Loop will remain closed to camping until further notice. The Forest Service is concerned about possible tree-root-rot and we need to allow adequate time for them to assess any potential hazards posed by phellinus infection in trees in the area.
La Wis Wis Campground, WA
part ofGifford Pinchot National Forest, US Forest Service
Status: Closed through Wed May 20 2015 Season Dates
Season Schedule


text:
Terms of Use | Privacy Policy
Blog | About | Contact | Submit Mod | Join Mod DB | Site Map | Media Kit | RSS
© 2002 - 2014 DBolical Pty Ltd. All Rights Reserved. 4854 modders.
Hyelo. Welcome to this profile. Feel free to browse the stuff thats here, post a comment, look out to hate or do whatever you deem necessary and appropriate. No judgment will be passed. I also do animations, they are at my YouTube channel. Enjoy, have fun and generally be awesome. Remember the name....
The blog you are trying to view has been deleted and is no longer available. This may have occured at the authors request, or it may have occured because it violated the sites Terms of Service. If this is a mistake and you are the author and would like it re-activated, please contact us with the details.
If you would like to read more blogs, we suggest you browse the blogs list.


text:
Add Promo or Package Code: If you have Promo or Package code, click to enter it here to receive your discount.
Asian Fusion
price level
For groups of 12 or more, please call 866-733-5827
Stay close at one of our resorts
F.A.M.E. at the LINQ Las Vegas
Tuesday BLOQ Party offer for Locals:
2-for-1 select draught beer
Limited AZN Chicken & Waffles by Fuku
Live Entertainment
Highlights of this F.A.M.E.-ous Bazaar:
Food. Art. Music. Entertainment. F.A.M.E. will introduce a new concept in Las Vegas dining and entertainment, blending authentic Asian cuisine, art and live performances to create a bustling hot spot.
The Asian market on the main floor of this Las Vegas restaurant will recreate a culinary bazaar, combining the great street foods of Japan, Taiwan, Thailand, Korea, China and Malaysia on a menu serving dim sum, stir-fry, ramen, barbecue, crepe and more. Live Asian-inspired entertainment, such as dragon dances and Taiko drum performances along with Gangnam-style beats will add to the upbeat, festive energy.
The upper level will host a trendy Japanese restaurant complete with a DJ, two patios, Asian-inspired cocktails and various styles of Japanese cuisine, including robata, sushi and tempura. F.A.M.E. at The LINQ Las Vegas is truly an experience for all five senses.
F.A.M.E. Back Story:
F.A.M.E. was inspired by the high-energy night markets that are common in Asia, which offer street foods, live performances and a fun, dynamic atmosphere. The culinary bazaar combined with live DJs, dragon dancers and taiko drummers, will bring that same bustling energy to The LINQ.
F.A.M.E.'s Las Vegas Location
Near LINQ's Central Plaza, across from Brooklyn Bowl.
Expert Tips:
- Attention beer lovers – F.A.M.E. will offer a vast selection of microbrews from an array of Asian countries, both bottled and on tap.
- Check out the taiko drum performances, which are given a modern spin by collaborating with live DJs.
- Stop by the retail store to buy your F.A.M.E. and Vegas souvenirs.
Learn more about F.A.M.E. Las Vegas


text:
MusclePharm Corp.
Physical Fitness Facilities CO, United States
| OTC Markets: MSLP
MusclePharm Corp. is a healthy life-style company that develops, manufactures and sells nutritional supplements for specialty resellers. It provides a line of nutritional supplements comprising of amino acids, herbs, and proteins to address various categories of an active lifestyle, including muscle building, weight loss, and fitness maintenance. The company offers various products, including Amino 1, Assault, Battle Fuel, and Bullet Proof, Combat, Re-con, MuscleGel, Shred Matrix, Armor-V, BCAA, Creatine, ZMA Max, CLA Core, Casein, Hybrid N.O., Glutamine and Fish Oil. It sells its products through retail stores, distributors, and online stores, as well as through a network of distributors internationally. MusclePharm was founded by Bradley J. Pyatt and Cory J. Gregory on August 4, 2006 and is headquartered in Denver, CO.