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IC Decap and Failure Analysis processing perfected. Safe, Reliable, Results.
Our patented FALIT technology provides clean, accurate laser IC Decapsulation, and more.
The FA-LIT (pronounced "F-A-Light") was specifically designed with the Semiconductor Failure Analysis Lab in mind. This system utilizes and incorporates industry standard testing methods to solve the problems faced everyday in the Semiconductor Industry. The FA utilizes a patented laser process with multiple laser configurations and wavelengths to provide clear and precise samples for every type of application. The FA-LIT allows a safer, faster and more accurate method for Failure Analysis applications processing.
Layer-By-Layer Decapsulation
Decapsulation (Decap) is a process that most Failure Analysis labs use on a routine basis. The FA-LIT uses our patented laser technology to allow an operator to remove individual layers of the mold compound all the way through the lead frames to the substrate. The entire process is 100% controllable by the operator through our Graphic User Interface. The FA-LIT laser can accurately remove the entire compound, individual layers, or sections of the mold compound (operator defined). The FA-LIT offers a safe and more accurate process for IC decapsulation.
Diamond saws and other mechanical methods of cross-sectioning put physical stress into a part. It is then difficult to determine whether the defect (such as delamination) was already there or caused by the process itself. Laser cutting presents no such problem. There is no mechanical force introduced with a laser. Therefore, cross-sections can be made much closer to the actual defect diminishing the polishing time or in many cases eliminating polishing altogether.
Component Delidding
Lids and covers over components that need to be analyzed have always been a problem in the Failure Analysis Lab. Mechanical micro routers can damage internal parts, require complicated fixturing, and even destroy samples. With the FA Laser this process is quick, simple, and successful. A Green laser (532nm) can be used to cut the top of a lid completely off. IR laser energy can be used to heat adhesive areas to easily remove covers.
Gel Removal Down to the Die
More and more ICs are using a clear gel to cover the die. These gels can not be removed with chemicals or even standard old methods of laser decapsulation. Our brand new developments have enabled us to cleanly remove gel all the way to the die with amazing results. This allows us to laser process within seconds compared to hours and days when using other methods of removal. With gel becoming more popular, our FA-LIT Gel system becomes the best tool for the job.
Large Filler Mold Compounds for Copper
We've recently developed an additional patent pending technique for removing the newer mold compounds associated with copper wires and bonds. This compound typically has larger fillers and more filler material making it difficult even for laser decapping. The greater laser power required to remove this new compound can sometimes damage very small wires or leave excess compound around the wires. Our new process totally eliminates this problem and can even enhance results on traditional mold compounds.
Laser Marking Studio™ (LMS) is a full featured laser interface software designed for simple and responsive control of a new CLC laser marking system.
Preview our software ►
Control Laser offers Lease-To-Own options for all of our laser products. Pay for your CLC laser equipment over time while it makes your business money.
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Fully featured, GUI for Failure Analysis.
CDRH warning logotypes, similar to that shown here, appear on each laser system to indicate the CDRH classification and the output power of the laser. These logotypes are not required for Class-1 Laser Products.
Control Laser Corporation has a policy of continuous product research and improvement and reserves the right to change design and specifications without notice.
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Ravens Cut WR Doss, TE Furstenburg & Others
August 31, 2013 5:35 PM
Baltimore Ravens
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OWINGS MILLS, Md. (WJZ) — The Ravens begin their final round of cuts Saturday.
Most notably, the team waived third year wide receiver Tandon Doss and tight end Matt Furstenburg.
The Ravens also terminated the contract of blocking tight end Billy Bajema.
Other cuts Saturday included safety Omar Brown, defensive tackle Cody Larsen, guard Antoine McClain, running back Bobby Rainey and tackle J.J. 'Unga.
The defending Super Bowl champions have until 6 p.m. to reach the league mandated 53-player roster.

subset: commoncrawl


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Pike County officials say a man escaped with his life, but his pickup truck was destroyed when it was struck by an Amtrak train Friday afternoon around 1:40.
Pike County Sheriff's Department Captain Brad Bellipanni says the Chevy S-10 apparently stalled on the tracks south of McComb. The driver couldn't push the truck out of the way so he jumped out just in time.
The collision happened around 1:40 p.m. The City of News Orleans train was temporarily stopped but continued on to New Orleans Friday afternoon.
The sheriff's department is investigating the crash.
Copyright 2013 MSNewsNow. All rights reserved.
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Experiencing LIFE Today - Sept. 26, 2011
Getting the full picture of God's grace
"If you do not raise your eyes, you will think you are the highest point." —Antonio Porchia
I was taking a walk with my daughter at a camp some years ago—through the woods, down into the river, and up the cliffs—great father-daughter moments. But as we were heading back towards the camp, we came to a fork in the trail with a sign pointing in different directions. One was the "easy" way back to camp. The other pointed to "Classmen Falls." By the looks of the trail, it was clearly the "road less traveled." We took it.
We were pushing brush away when all a sudden I could hear the falls in the distance, and then it hit me; we were not headed for the lake at the bottom of the falls (as we had the day before). We were headed for the top of the falls. What a spectacular view it was from up there—completely different from down on the bottom. We looked down into the crystal clear water. We could see large fish swimming in the blue water. We could see people wading and wandering. We could take in the expanse of the cliffs all around. Everything looked different in the camp below… in fact, I would never see that camp quite the same again.
Perspective matters.From up top, we got the "full picture" and it made all the difference in the experience.
Same goes for our walk with Christ.
In order to get the full picture of God's grace and what it means to be "in Christ," we need to get above and take a look down from God's perspective, from the top of the waterfall.
Jesus, take me on the path less traveled! Give me the full picture and the full story of what it means to be in You. Lord, I know that my perspective is limited and narrow. Broaden that perspective so that I might have a deeper understanding and appreciation for who I am, who You are, and the unity that we have in You. Amen.
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A man accused of pointing a gun at a Lubbock Police officer will not go jail.
Thursday, a jury sentenced Domingo Arguellez to two years probation after finding him guilty of deadly conduct. Arguellez was initially charged with a first degree felony of aggravated assault on a public servant. Police say he pointed a gun at an officer during a standoff last August.
|Courts & Crime


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John Eales
Brumbies' story not over
John Eales Unfortunately, decades from now when buffs trawl through the annals of the 2013 season, the Chiefs' 27-22 victory in Saturday's Super Rugby grand final won't begin to capture the season's story.
No stars but Brumbies punch above with White
John Eales Through initiatives like Will Anderson's television program, The Gruen Transfer, advertising has become the entertainment rather than just the annoying interlude.
John Eales
An hour of daylight may save rugby red faces
John Eales Sunday was officially the end of daylight saving time and most states had to wind back their clocks one hour to standard time.


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Sun Valley Wellness Festival
Sun Valley Wellness Festival, May 22-26, 2014
The Sun Valley Wellness Institute is pleased to announce that two renowned inspirational wellness speakers, world recording-breaking long distance swimmer Diana Nyad, and New York Times best-selling author, wellness activist and cancer thriver Kris Carr, will be keynote speakers at the 17th annual Sun Valley Wellness Festival held Memorial Day weekend, May 22-26, 2014 at the Sun Valley Resort in Sun Valley, Idaho. Nyad will speak on Friday evening, May 23 at 6:00pm and Carr will speak on Sunday evening, May 25 at 6:30pm.
"We are excited to present a truly amazing slate of wellness speakers for the 2014 Sun Valley Wellness Festival, who are sure to inspire us to find new ways of living healthier, happier lives," said Elisabeth Grabher, President of the non-profit Sun Valley Wellness Institute which produces the Festival each year.
Diana Nyad inspired the world when, at the age of 64, she became the first person to swim 110 miles from Cuba to Florida without a shark cage. On September 2, 2013, in her fifth and final attempt, Nyad successfully fulfilled her life-long dream of completing the long and dangerous swim. Upon completing her grueling 53 hour journey, a breathless Nyad told the world, "I have three messages. One is we should never ever give up. Two is you are never too old to chase your dreams. And three is it looks like a solitary sport but it takes a team."
Nyad has never been one to quit. In July of 2010, at the age of 60, she began her "Xtreme Dream" quest of swimming from Cuba to Florida, a task she had failed to finish thirty years previously. When asked her motivation, she replied, "Because I'd like to prove to the other 60-year-olds that it is never too late to start your dreams." Nyad was unsuccessful in her quest in 2010 and tried two more times 2011 and 2012 before completing this year's historic swim. In the 1970′s, Nyad was the greatest long-distance swimmer in the world, amassing several world records which led to inductions to many Halls of Fame, such as the International Women's Sports Hall of Fame. Nyad became a prominent sports broadcaster, filing compelling reports for NPR, ABC's Wide World of Sports, Fox Sports, and the New York Times.
Nyad has written three books and has earned a reputation as a uniquely passionate and entertaining public speaker, earning standing ovations with a broad spectrum of audiences. In her recent television appearance on Oprah's Super Soul Sunday, Nyad noted "Every human being on this planet has their pain and their heartache, and it's up to all of us to find our way back to light." Her Festival keynote presentation is titled "Find A Way".
Kris Carr is a New York Times best-selling author, popular motivational wellness activist and cancer survivor known for her "Crazy Sexy" approach to thriving in life. Kris, who was diagnosed in 2003 with a very rare and incurable but slow-growing stage 4 cancer, will share her inspirational journey about living a full and healthy life, no matter what challenges may be presented. As an irreverent foot soldier in the fight against disease, Carr inspires countless individuals and their families to make the link between their personal health and the health of the planet. Her witty anecdotes, diet advice, and tips for overcoming adversity motivate her audiences to think outside the box in order to become empowered participants in health and healing. Karr's Festival keynote presentation is titled "Crazy, Sexy Wellness."
"Kris is a ray of light that is needed to raise awareness of what it means to give back. What more can one wish for? She is a true leader of courage and inspiration." —Donna Karan
Other top 2014 Sun Valley Wellness Festival speakers include: visionary spiritual leader Panache Desai, relationship expert Arielle Ford, Heart Math founder Howard Martin, yoga teacher and addiction recovery expert Tommy Rosen, author and filmmaker Eric Saperston, wellness shift comedian Kyle Cease, Mindfulness Meditation expert Kate Janke, Simplicity Parenting author and creator Kim John Payne, Kundalini Yoga expert Kia Miller, author and co-creator of film "What the Bleep Do We Know?" Betsy Chasse, naturopath and triathlete Dr. James Rouse, astrologist David Pond, intuitive healer Peggy Rometo, intuitive expert Gary Quinn, Oneness leader and Interfaith minister Rev Michael Milner, PhD, and many more.
About the Sun Valley Wellness Festival:
The 17th annual Sun Valley Wellness Festival, held at the famous Sun Valley Resort on May 22-26, 2014, features the country's top wellness speakers with more than 30 presentations and workshops addressing various aspects of body, mind, and spirit wellness. The Festival also offers a Next Generation Wellness educational tract for young adults, a Children's Wellness Festival, Movement Classes, Wellness Expo, music and film. The Festival is produced by the non-profit Sun Valley Wellness Institute.
Sun Valley Wellness Festival
LocationSun Valley, ID


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Return to Index
I work on myself every single day.
February 28 2008 at 11:19 AM
John Beckett
Response to
Work on yourself first,
Just as you work on me. You and
others, who are so eager to
point out my shortcomings
and call me names, like
fake and self-righteous
and sinful.
The Bible Tells me that i am allowed
to rebuke my fellow Brethren, just as
they are allowed to do likewise to me.
He that believeth on the Son hath everlasting life:
and he that believeth not the Son shall not see life;
but the wrath of God abideth on him.
John 3:36
Respond to this message
I do not work on you.
- noobsauce on Feb 28, 2008, 11:26 AM
- John Beckett on Feb 28, 2008, 12:57 PM
Not my call, actually.
- noobsauce on Feb 28, 2008, 1:01 PM
No thanks. The scorecard has already been made and filled. lol
- John Beckett on Feb 28, 2008, 2:21 PM
ha... That's hilarious.
- noobsauce on Feb 28, 2008, 3:49 PM
- gerard on Feb 28, 2008, 11:36 PM
I've abandoned
- Marge on Feb 29, 2008, 8:44 AM


text:
This was an easy weeknight meal. I'd add a little salt to the toppings.
Pizza Supreme
Reina42 Posted: 03/07/11
SeattleSheri Posted: 03/12/11
What a fun recipe! I used chicken sausage and omitted the onion and we thought it was superb! I would definitely make it again. I cooked the sausage separately from the peppers/mushrooms and reserved part of the pizza for the kids with just sausage.
BrendaLRGale Posted: 06/02/11
This was rather juicy when I removed it from the oven, but I just drained it off. I couldn't find lower-sodium marinara or fresh pizza dough at my well-stocked market, but I made due. Delicious recipe!
Druthz Posted: 11/28/11
We love this pizza and it's easy to make, however I find the sauce a bit juicy, so instead I drain two cans of chopped tomatoes for several hours.
Pogogirl Posted: 05/29/12
Really good. Did need a little salt in the toppings.
Daily Specials


text:
Auditing Vendor Relationships - Download PDF
- Item No. : 474.dl
- Publisher : The IIA Research Foundation
- Publish Date : 2003
- Authors : Mark Salamasick, CIA, CISA, CSP, MBA and Chris Linsteadt, MBA, MS
- Media : Download
- Page count : 85
- Member Price : $45.00
- Non-Member Price : $55.00
Please note: This secured PDF document does not allow printing.
The aim of the handbook is to provide the auditor with the tools necessary to create a successful partnership for outsourced services and to provide management with the assurance that the outsourced processes are effective and efficient.
The current trend toward outsourcing is continuing today at a rapid pace. Processes are being turned over and control is being relinquished for many tasks that have been identified as non-core to the company. Many times, these outsourcing partnerships are successful and result in increased profits for the company.
However, on some occasions outsourcing can have unintended and unforeseen consequences for the bottom line of the organization. To avoid these unwanted risks, management should employ the full use of the internal audit department and the skills that many of the internal audit staff bring to the table.
Use this beneficial handbook and you will:
- Discover the value of internal auditing in outsourcing and right sourcing relationships.
- Explore issues and control objectives surrounding outsourcing.
- Gain the necessary tools and skills to create successful partnerships.
- Develop new methods and techniques for identifying and mitigating outsourcing risks.
- Learn how to assure solid vendor relationships.
- Explore the future of outsourcing and the role internal auditors will play.


text:
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Home > Business::Helpdesk & Remote PC > Customer Support Organizer Pro 3.1
Customer Support Organizer Pro 3.1
Customer Support management database software for Windows.Company: PrimaSoft PC
Platform: WinXP,Win7 x32,Win7 x64,Windows2000,Windows2003,Windows Vista Ultimate,Windows V
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Release Date: 2014-04-03
Screenshot URL: http://www.primasoft.com/screens/custissue_pro.jpg
Category: Business::Helpdesk & Remote PC
Customer Support Organizer Pro, software for Windows. Simple database management system that helps you to organize, track, and manage any kind of customer service issues, help desk issues, ..
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Michael Harrison on the "Friends and Relations, B5" Houndkirk Tor, Peak district
© cheesequestion, Jul 2008
Problem: Friends and Relations
Camera used: Nikon E5200


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Rachel Romm Biology 1H Ms. Mackley 10 February 2009 Focus Questions 1. Imagine you are trying to explain the difference between chromosomes, genes, and DNA to your younger brother or sister who is two years younger than you. Write down your explanation in simple words that they could understand. DNA is a code found in every cell in our body that contains instructions on how to be you. Your DNA is made up of many genes. Each gene tells you if you have blue eyes, black hair Your DNA is organized into 46 different chromosomes. Chromosomes are just curled up DNA. You have 46 chromosomes of DNA that contains about 40,000 genes. 2. Does a liver cell contain the same chromosomes as a cheek cell? Yes, liver cells and cheek cells contain the same chromosomes. 3. If you wanted to isolate a copy of a gene that codes for a protein found in the stomach, could that gene be located in cheek cells? Explain your reasoning. ... View Full Document


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3-Pk. of Code Blue® EliminX 360 degree Odor Eliminator with SZT
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Why Investing in These 2 Homebuilders Is a Good Idea
Shweta is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
Thanks to recovery in the U.S. housing market, the housing industry will witness an upsurge in growth in the years to come.
The nation's demand for homes will range between 1.2 million to 1.5 million a year, and home builders are gearing up to fulfill the demand. The companies discussed in this article are all from housing industry, and they are capitalizing on the market's rising population and emerging job opportunities. Expanding in this market will increase the companies' revenue and will enhance the shareholders' value.
Let's discuss them in detail.
Cost-reduction for improved margins
Lennar (NYSE: LEN) recently acquired 287 acres of residential land from Covington Capital in San Antonio. This land will support 800 homes and sales will begin in mid-2014. These home sites will be available in three communities, Potranco Run, the Heights of Cibolo, and Alamo Ranch. Depending on the community, homes will be available in the $100,000 to $200,000 price range. This initiative will enhance its market presence in San Antonio, leading towards higher home sales for the company, which will increase from merely $3.49 billion in 2012 to $7.01 billion in 2014
Lennar purchased low-cost land during the downturn of the U.S. economy. With the growing demand for residential homes, the company will now monetize it in the coming quarters. Further, the company is implementing common floor plans for constructing homes, which will also reduce its cost. The company is expecting to construct 18,500 homes this year, which is up 35% year-over-year. The company will take advantage of low-cost land purchased, and its cost-initiative methods, to increase its operating profits. These will increase from $11.6 million in 2012 to $27.2 in 2013, and it expects Earnings Per Share to increase from $1.88 in 2013 to $2.46 in 2014, followed by $3.50 in 2015.
Lennar's competitor, PulteGroup (NYSE: PHM), is also adopting cost reduction strategies to provide low-cost homes. In 2012, the company reduced construction cost 10% by working directly with suppliers. To reduce construction cost further, the company is adopting a technique of value engineering and commonly managed floor plans. This will systematically add value to its homes while reducing the cost.
These techniques will contribute to a cost reduction of $3,500 per home, leading towards improved gross margins. With these techniques, Pulte expects its gross margin to increase from 18% in 2012 to 18.8% in 2013, followed by 20.2% in 2014.
Expansion for future benefits
KB Home (NYSE: KBH) has been acquiring land in San Antonio over the last two years. On June 12, 2013, it announced to acquire approximately 200 acres of land in this market. It will build a community named CrossCreek in San Antonio comprising of 600 homes. This community will open in two phases, with first phase opening by the end of 2013 and the second phase by the early 2014. The company will offer 12 different home designs. This vast variety of designs will boost demand, which will increase the company's home revenue. KB Home anticipates a revenue upsurge from $1.5 billion in 2012 to $2.1 billion in 2013 followed by $2.5 billion in 2014.
U.S. market recovery is growing the demand for residential properties. Therefore, the company is constructing 184 new communities this year and 209 in 2014. The average selling price in these communities will be between $285,000 and $290,000. This will contribute towards the company's total revenue; Analysts expects its revenue to increase from $1.5 billion in 2012 to $2.1 billion in 2013 followed by $2.5 billion in 2015.
Bottom line
Both Lennar and KB Home are adopting various strategies to capitalize on the rising demand for homes in the U.S. This will lead towards more revenue for each company. The companies are moving towards high population areas to take the advantage of the shortage of supply. In addition, rising cost concerns are forcing the companies towards various cost cutting initiatives that are leading towards higher margins. I recommend a buy for both stocks.
Shweta Dubey has no position in any stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


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Posts Tagged 'donor development'
Do You Suffer from Church or Ministry Marketing Schizophrenia?
Direct mail and fundraising consultant Dale Berkey talked to me recently about how ministries and the marketing of ministries need to be intertwined. Many Christian organizations have a kind of ministry/marketing schizophrenia. Which symptoms from this list can you identify in your church or ministry? Read the full article »
Non-Profits: Why Not Try Humor to Share Your Message?
Sure it's a world where great causes are often difficult, and deal with horrible issues like poverty, homelessness, or drug abuse. As a result, most efforts at sharing the message of non-profits are deadly serious. But more and more creative non-profit organizations are mining the virtues of humor in messaging, and it's working. Variety Magazine covered a "mockumentary" called "The Majestic Plastic Bag" produced for the Heal the Bay environmental group. It's fabulous. Narrated by Jeremy Irons, it's been a huge success with more than 100,000 views just in the first 5 days on YouTube. To date, it's been seen by nearly 2 million viewers. Obviously we shouldn't trivialize serious issues, but Read the full article »
How to Stage a Memorable Banquet
I know, I know. I write on media, faith, and culture, but this time I have to speak out on a topic close to my heart (and stomach). If I have to attend one more poorly planned rubber chicken event for an organization's fundraising, anniversary, or award, I'll slice my wrists. Come on people, banquets can actually be fun, not the torture sessions we usually sit through. So if you have to plan an event in the near future, here's some tips to keep in mind (if you don't want me leaving early): Read the full article »
Effective Videos Can Make a Huge Difference for Your Organization
Social media expert Brian Boyd send me this note on the importance of video in branding and social media. It was so pertinent to our clients and readers, I thought I'd share it: Read the full article »
What I Love and Hate About Financial Donors
Kathleen and I were teaching recently at a media conference in Madrid, Spain. During the trip we visited the legendary Prado Museum in downtown Madrid. Walking through the galleries we stumbled upon a remarkable painting from 1640 called "The Crucified Christ with a Donor," by Francisco de Zurbarán. It was such a glaring and humorous example of how financial donors have been so great and also so terrible for artistic, nonprofit, and humanitarian work over the centuries.
While some donors simply want to help make Read the full article »
Is Your Brand Enriching Someone's Life?
Looking out over the horizon, the hottest and fastest growing brands bring value to people's lives. That's why there's a huge opportunity right now for brands that make a difference. Back in 2006, advertising legend Bob Greenberg said, "The real opportunity for brands now lives in finding ways to enrich lives." What about your product? It might be a Read the full article »
Advertising Isn't Just About a Message Anymore
In today's cluttered and distracted world, it takes more than a great message to get noticed. Some researchers believe we're being bombarded with as many as 5,000 media messages per day, so cutting through that massive clutter has become just as important as the message you're trying to deliver. As a result, advertising isn't just about the message anymore. It's about Read the full article »


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Really delicious and quick to put together
Lemony Grilled Potato Salad
RobinE Posted: 05/17/12
Bikerann Posted: 06/10/12
Very flavorful and makes a nice presentation. Takes a little time to grill all the veggies.
VGLORE Posted: 06/15/12
This was a wonderful change and just as tasty warmed up the next day.
KellyDiff Posted: 07/13/12
I thought this tasted excellent, and was beautiful, but was very time intensive to grill all the ingredients (I used fingerling potatoes which were super small, as well as purple new potatoes - delicious and color made it look lovely, but meant I had to grill a million tiny pieces!). It came together wonderfully in the end; would make again with the caveat of knowing its not a quick week night dish.
PKcookin Posted: 07/10/12
Not hard to make although I used new potatoes which were smaller than Yukon gold. A little tricky to get them all on the grill and evenly grilled? Very pretty dish when it comes together. I thought it could have been a little more lemonny and would maybe add a little more lemon. Might also consider adding some garlic grilled or pan roasted and then smashed into dressing.
Whygal Posted: 05/15/12
Excellent!!! I grilled the veggies before I grilled the main course, therefore I served the salad at room temperature. I had all of the ingredients on hand except for the chives and capers and we thought the salad was excellent without them. I will definitely make this again.
DonnaMobley Posted: 05/14/12
Recipe has great taste but the grilling of vegetables took longer than recipe stated. Rather labor intensive for the result.


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We've seen the Sony KDL-32EX308 32-inch High Definition LCD TV for $20 cheaper, but that deal has expired. It sports a full HD picture, 720p HD resolution, 100,000:1 dynamic contrast ratio, Dynamic Backlight Control, PIP, 10 watt speakers, 4x HDMI ports and DLNA compatible.
The price is $479.99 – $30 instant discount + free S&H = $449.99!


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Newegg is offering a huge coupon on this DELL Alienware M11x (AM11x-826CSB) Core 2 Duo 11.6-inch NoteBook!
Gaming laptops have always been known to be very expensive but all the rage, here is your opportunity to get one at a budget price! This Alienware laptop features a speedy Intel Core 2 Duo SU7300 Processor as well as 4GBs of RAM! The video is powered by a 1GB discrete nVidia GeForce 335M Video Card to deliver amazing power for gaming and viewing HD videos stutter free and you can hear it all on the full 5.1-channel surround sound audio! All of this is displayed on the ultra portable 11.6-Inch High Definition display! To make it even better it features an attractive Alienware design to show off your gaming prowess as well as a backlit keyboard so you can always see what you're doing even in low light conditions!
The final price comes to $849.99 – $200 Coupon (DELLAL314) + Free Shipping = $649.99!


text: New stories Upcoming Incoming 0° Diablo III Half-Off for Windows and Mac This Week 10m ago - "Blizzard is offering a special sale for Diablo 3 for PC this week, for Windows and Mac." | PC Comments (0) Source 0° The Crew Closed Beta Gameplay Footage 11m ago - The Crew's closed beta has begun on the PS4, with invites to the beta being sent out yesterday by... | PS4 Comments (0) Source 0° Bloodborne Alpha Title Screen, Schedule Unveiled 13m ago - "This video gives a sneak peak at the title screen of Bloodborne." | PS4 Comments (0) Source 20° Pocket Gamer obtains first few pages of the new Tetris film 20m ago - After contacting our friends in 'the movie business', we've managed to nab the first pages of the... | Nintendo DS Comments (0) Source Ad iCreditCardNow.com Now - Quickly locate just the right card for you. | Promoted post Read More SiteBot 0° Video: Wii U Skylanders Trap Team Gets First Full Showing At EGX 2014 23m ago - "At EGX this week there was one booth on the Nintendo stand with a constant crowd of kids. Unlike... | Wii U Comments (0) Source


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Goodlooking since 1991 :) I'm bad and that's good. I'll never be good and that's not bad. Don't ask cuz i bite >:)
Catching Elephant is a theme by Andy Taylor
good lawrd… I just found my love of my life.. she's a 6 inch big ass mothapaker LIEMPO.. sobrang sarap nya… damn.. just jizzed in my pants ❤ ❤


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Because I have to put stuff in some other place
The Houston Astros were the first team to be mathematically eliminated from the playoffs after their loss Wednesday to the Giants combined with the Dodgers win over the Rockies earlier in the day.
The Astros have 90 losses, which means they can win no more than 72 games. The current second wild card team in the National League, St. Louis, has 71 wins. However, the Cardinals and the Dodgers, who have 70 wins, play each other four times this season, which means that at least one of them will finish with 73 wins. The Pirates are 1/2 game ahead of the Dodgers, but don't factor in these calculations since they don't play the Cardinals or Dodgers the rest of the season.
The next team to be mathematically eliminated won't be for 10-14 days. The second worst team in the majors, the Cubs, have lost just 80 games. The worst team in the AL is Minnesota, which has 77 losses
Recent PostRead more


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· Agreement will link Trenitalia to Amadeus' global network of 91,000 points of sale worldwide
· The new platform will be operational by the end of summer/early autumn
Trenitalia, the transport division of the Italian FS Group, and Amadeus, a leading travel technology partner and transaction processor for the global travel and tourism industry, today announce that they have formed a partnership to distribute Trenitalia content through all Amadeus channels.
Travel agents around the world will be able to book both Trenitalia's high speed rail products Frecce Alta Velocità (namely Frecciarossa and Frecciargento), and Frecciabianca through the existing sales channels and through the Amadeus global distribution system, which links 91,000 points of sale worldwide. The rest of the medium and long-distance Trenitalia routes will follow shortly.
Thanks to this partnership, Trenitalia will be able to draw on new market segments whilst expanding distribution beyond its traditional channels, developing its presence in such strategic markets as Central Europe, North America and Asia. This innovative solution will provide travel agencies with greater ease and flexibility when selecting and booking Trenitalia travel and, as a result, Trenitalia customers will be able to enjoy a more convenient booking and connection service that will satisfy the needs of modern travellers.
As part of the agreement, travel agents who use the Amadeus Selling Platform will have a standardised way to access Trenitalia services, in turn making bookings through an air/rail-based search solution, FlyByRail Track, and a rail-based search solution, Rail Agent Track; designed exclusively for rail services. To this end, it will be far easier for travellers and travel agents to effectively compare Trenitalia services with flights on the same route, ensuring that travellers have greater choice and transparency of options whilst at the same time improving productivity for the agent.
Thomas Drexler, Head of Amadeus Rail, said: "On our goal of developing a multi-provider rail distribution platform, we are delighted to start a new relationship with Trenitalia. It is a very exciting time for the European rail industry as it extends its network, and looks to attract new travellers to the benefits of rail travel. Key to growth is delivering the type of access and availability that is common in the airline sector which is why international distribution is critical for railways today. By making Trenitalia inventory available across multiple channels, and focusing on delivering a more advanced customer experience, it will help to support global growth for the company"
Vincenzo Soprano, Trenitalia Managing Director, states: "Many agree that high-speed rail is already the greatest innovation for Italy in this early part of the new millennium. With our Frecce AV service we have pioneered this revolution and have reached new levels of excellence which we are especially proud of, but there is still more to do. We want to look beyond these achievements and always seek new challenges. Indeed, the agreement with Amadeus fits this strategy. Ultimately our overarching objective is to deliver effective, rapid access for travel professionals in key international markets enabling the sale of Trenitalia products and promoting the entire rail network across the country".
David Brett, President Amadeus Asia Pacific added: "It is an exciting time for rail in Asia Pacific as more countries in the region are focused on driving innovation and development in this sector. We expect rail to play an increasingly important role in the Amadeus business model across the Asia Pacific region, where we see a dynamic and growing market emerging.
Trenitalia and Amadeus sign global distribution agreement
Source = Amadeus


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Most of the time when discussions arise about yellow pages advertisers shifting from print to online, the talk is in generalities. But not all markets are the same. Certainly, some have shifted online in greater numbers than others.
An Oregon search marketing company seeks to aid companies in managing their yellow pages across different markets with a new analytics tool.
G5 Search Marketing today launched their Yellow Pages Analytics Tool, which is added to their Local Marketing Platform. The tool provides analysis showing how many customers would be lost by cutting print yellow pages or offset by engaging an online campaign.
"We have clients looking to cut millions of dollars per year in print yellow page advertising," said G5 CEO Dan Hobin. "The issue becomes when to cut as you don't want to cut too soon. For businesses with multiple locations, every market is different. Our tool enables our clients to cut advertising in major metros while keeping the smaller markets where yellow pages still perform."
Projections from Borrell Associates have local advertisers shifting $13.1 billion to online advertising from various offline media. A look at average CPMs explains why. The average internet CPM is $3.65 while the average yellow pages CPM is $9.29.
What do you think about this new tool? Let us know in the comments.
Related Reading
Top 10 Yellow Pages Searches According to Yellow Pages Association
The Original Search Marketing Event is Back!
SES Denver (Oct 16) offers an intense day of learning all the critical aspects of search engine optimization (SEO) and paid search advertising (PPC). The mission of SES remains the same as it did from the start - to help you master being found on search engines. Register today!


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an anonymous wishing well for innocent dreams
i fucking hate this feeling. I sit here alone in the dark waiting for an answer to a question I can't bare to ask. I wish you could see what was going on in my head so yo were just understand why I need something, anything to distract me
i wish i had the courage to tell my best friend that i don't like the way she treats me.
i wish i could find a solution that kept you happy and did not cause me as much pain
hi there. this is mostly for myself, but if you'd like to submit anything, you are more then welcome to. it's a diary of things people want and desire, wishes and dreams, and things that go by the waste side. everything is anonymous as well. thank you for reading. xx
Observer theme by Zack Sultan


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Download 4 mb
Want access to cool stuff? As a member you can:
Is it the same with this one?
I think this is ZacnG models.
Posted by Hinat What happened to don's stick ???? D:
michael broke it :(
Posted by ItzAnthraxAR Where's Splinter? D:
He's on the Terrorist side of course.
What happened to don's stick ???? D:
Where's Splinter? D:


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Police have arrested a registered sex offender after they say he abducted a woman outside a King Street bar before groping her near Hampton Park and forcing her to reciprocate the act near the Crosstown.
Charleston Police Department spokesman Charles Francis said 47-year-old Nathaniel Wilson, of 573 Meeting Street, sexually assaulted the victim between 12:35 a.m. and 4:45 a.m. Sunday on Mary Murray Drive.
Officials say the victim encountered the suspect as she was walking down King Street after leaving a bar. Wilson, claiming he had a gun, guided the victim to Mary Murray Drive, where he made her unbutton her shorts. He then touched her inappropriately inside of her shorts, Francis said.
The victim and the suspect then left the park and walked to the pedestrian bridge over the Septima Clark Expressway, where he made the victim fondle him, Francis said.
The suspect attempted to kiss the victim several times but she continued to turn away from him. The victim and the suspect then walked to a Meeting Street convenience store, where she was able to get a clerk to help her.
The clerk called Charleston police but Wilson left the scene before officers arrived, Francis said.
Wilson is charged with criminal sexual conduct third degree.
Copyright 2012 WCSC. All rights reserved.
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To perform a search, enter a keyword, phrase or item number in the search field and click "search."
We offer two ways to locate information:
Ripe blackberry, cherry and cassis aromas greet the senses with a touch of tobacco leave, thyme and sage. Bold flavors echo the aromas, with a touch of black currant and molasses. The wine finishes with vibrant acidity, with sweet black fruit flavors and dusty tannins.
Blend: 79% Cabernet Sauvignon, 10% Malbec, 9% Petit Verdot, 2% Syrah
SummerWood Winery, an ultra-premium boutique winery based at the gateway to the Paso Robles appellation's Westside, features limited lots of handcrafted wines. The estate also includes the Summerwood Inn, which offers nine guest rooms for a tranquil wine country getaway. With each vintage the goal of Winemaker Jeff Cohn is to craft the best wine possible, utilizing fruit entirely from Westside Paso Robles.
The largest of California's wine growing regions, the Central Coast produces the majority of California's wine. The district sprawls out, covering most of the vineyard land between San Francisco and Santa Barbara. Smaller sub-AVAs of the Central Coast include Monterey Bay, Paso Robles, Santa Ynez Valley, Santa Maria Valley, Santa Cruz Mountains and many others. Notable Facts...Read More About Central Coast
(cab-uhr-NAY sow-veeh-yawn) King of Red Many refer to Cabernet Sauvignon as the king of red grapes. Perhaps that title is due to its ability to grow worldwide in a number of climates, or to the fact that it produces wine with such character yet such diversity. Either way, this grape is responsible, as a whole or a partner, for some of the greatest wines in the world. In Bordeaux,...Read More About Cabernet Sauvignon
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Featuring an attractive array of award options, the Lifestyle Collection focuses on functional award ideas that appeal to the hobbies and lifestyles of your award recipients. Multiple distinct price categories give a great deal of flexibility when selecting appropriate recognition, such as for Years of Service awards that carry significance the longer your employees remain with your organization.
The Lifestyle Collection offers employees a selection of items outside the traditional range of employee achievement awards. We have achievement recognition awards and years of service awards ranging from outdoor gear to 35mm cameras and picnic kits that make this a great stand-alone program. Alternatively, you might consider offering the Lifestyle Program in conjunction with the more traditional Prestige Collection to add even more variety to your employee recognition program.
The Lifestyle Collection offers multiple price point groupings. Although the included items are geared for today's active lifestyle, they can still be personalized with your corporate symbol or logo to enhance the connection between the award, the recipient and your organization.
The Lifestyle Collection offers these great benefits:
The Lifestyle Collection - a great fit for what your employees want today.


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Apply for $1,700,000 (USD) of exclusive MBA scholarships to help you fund your MBA offered by range of business schools from UT Dallas, EMLYON, EDHEC, ESADE, IE and many more. (Only available to fair attendees)
Washington DC
Next Event:
To be confirmed
Keep me updated
Attend the Washington DC MBA Tour. Speak to admissions directors from the world's top MBA programs.
With an increasing demand for professional and business service jobs and with industries specialising in education, finance and public policy, Washington DC is an ideal place for young professionals. Furthermore, having located George Washington and Georgetown Universities in Washington DC this is your reason to pursue your MBA.
During this one day you can meet the admissions directors from the world's top MBA programs, attend pre-fair panel and presentations from various business schools and GMAC, find out about MBA scholarships, network with Ivy League MBA Alumni members and attend Connect121 and Executive MBA events.
Why attend the World MBA Tour Washington DC
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Discover the difference between full time, part time and Executive MBAs


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Street Style
The Wandering Eye: Summer in the City
Gordon von Steiner hit the streets of L.A., San Francisco, New York, and beyond in search of serious hot-weather styleand seriously sexy women. Here's what he found
July 20, 2010
39 of 39
New York City
- We Partied With Andrew W.K. at Toys "R" Us
- Timeless Life Advice From Norman Reedus, Tom Selleck, and Other Modern Gentleman
- 10 Songs That Blew My Mind: Tony Bennett
- Tom Selleck Belongs in the Man's Man Hall of Fame | GQ
- Clive Owen's Shape-Shifting Journey: The October GQ Cover Story
- Norman Reedus' Long Walk: GQ Cover Story October 2014
Food + Travel
- David Chang's Kitchen: Don't Get All "Fresh" with Me
- David Chang's Kitchen: Your Idea of Bologna is Total Baloney
- Chart: The Family Tree of Bourbon Whiskey
- Recipe: Semi-Summer Salad - Chef Jeff Taibe of Oak + Almond
- The Great Franco-Italian Pasta Experiment
- How to Pick from an Overpriced Restaurant Wine List


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James Bond: 007 Legends Walkthroughs for Xbox 360
Also on: PlayStation 3 PC Wii U
James Bond: 007 Legends walkthroughs. Please remember to bookmark this page and come back for James Bond: 007 Legends guides and walkthroughs which will be located here as soon as we get any James Bond: 007 Legends walkthroughs.
Check our pages for: Hints and Tips for more help for James Bond: 007 Legends
Try our Xbox 360 Index for more cheat codes for other X360 games.
Popular Xbox 360 Games
Grand Theft Auto 4
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Call of Duty: Black Ops
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Also on: PlayStation 3, PC, Wii U, check out those pages for more help with this game.
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Bridal Belles
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Fans of the popular and highly addictive Left 4 Dead (I include myself in that group), will be excited to hear that Valve has just announced Left 4 Dead 2. In addition to new characters, zombies, and special infected, L4D2 will introduce melee combat weapons like a chainsaw, frying pan, or baseball bat (among others), and a new AI director that will dynamically adjust level layout, weather, lighting, and other objects in the game world.
We've got a teaser trailed posted below, along with a summary of the game's setting, features, and expected availability. I know what I'll be doing November 17...
Left 4 Dead 2 is the sequel to the best-selling and critically-acclaimed co-operative multiplayer smash from Valve, creators of the Half-Life, Portal, Team Fortress and Counter-Strike game properties. Left 4 Dead 2 promises to become one of 2009's top-selling games and set a new benchmark for co-operative action games.
The title adds melee combat to the award-winning L4D style of play, with items such as a chainsaw, frying pan, axe, baseball bat, and more.
Introducing the AI Director 2.0, L4D's dynamic gameplay is taken to the next level by giving the Director the ability to procedurally change weather effects, world objects, and pathways in addition to tailoring the enemy population, effects, and sounds to match the players' performance. The result is a unique game session custom fitted to provide a satisfying and uniquely challenging experience each time the game is played.
Finally, with new Survivors, boss zombies, weapons, and items, Left 4 Dead 2 offers a much larger game than the original with more co-operative campaigns, more Versus campaigns, maps for Survival mode at launch, and more.
Supported by a $10+ million marketing campaign, Left 4 Dead has sold over 2.5 million retail copies since it was released in November of 2008. Left 4 Dead 2 is targeted for release on Xbox 360 and the PC this November, and will be launched worldwide with a multi-million dollar marketing campaign across TV, Outdoor and Online.
Left 4 Dead 2 is set at roughly the same time as the original – just after the outbreak that turned most of the population into various zombie mutants. Players assume the role of 4 new "Survivors," each with their own personality and new dialog. The game leads these "Survivors" through the southeastern region of the US - from Savannah, Georgia thru the bayou country, and climaxing in New Orleans' French Quarter.
Product Features:
Left 4 Dead 2 is coming to the Xbox 360 and PC on Novemeber 17, 2009.
Via: Valve | News Archive | Tags: Gaming, Xbox 360, PC, Valve, left 4 dead, l4d, L4D2
Ok so I wasn't really understanding the melee weapons since you can always melee in L4D, but that chainsaw looks like it could be fun. I love L4D. I know you play it a lot Marco and I have seen Dave play. I'm kinda excited about this.
Chainsaw is nice and all, but personally I am looking forward to the new "Frying Pan" melee weapon. I think it has a lot of potential and could turn out to be very versatile.
Oh yeah, I will definitely be wearing out a keyboard or two on this one...
Looks good, I really enjoy L4D and hopefully this will be even better. BTW, anyone notice that new tank in the video?
Marco, what's your steam login? We should definately play some L4D.
I think that is one of the new special Infected, and a not a Tank. Possibly the "Charger".
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Excellence in Music Performance and Instruction
Learn more about Chip's vast musical background through his bio and résumé.
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By analyzing syntax and linguistic patterns an expert can, on occasion, reach reasonable conclusions as to whether a particular individual authored a document. This can be a crucial matter in an internal investigation or in the defense of a crime. A lengthy recent article in The New Yorker Magazine (July 23, 2012, J. Hitt), entitled "Words on Trial", discusses the subject in an entertaining and informative way and would be helpful for the reader seeking more detail. Even if such analysis can't conclusively prove a specific person wrote a document or uttered a phrase it can be helpful in cutting down the number of suspects to a more easily investigated group.
The field of forensic linguistics received considerable attention in 1996 when it was partially responsible for solving the Unabomber case. Within a few days of publishing the Unabomber's Manifesto the FBI received tips from over a dozen people, including the Unabomber's brother, that the mode of expression, vocabulary and syntax of that document was similar to Ted Kaczynski's utterances. The Manifesto made repeated use of the terms "chimerical" "anomic" and "cool headed logicians" as well as the phrase "you can't eat your cake and have it too." People personally familiar with Ted Kaczynski immediately recognized these phrases as catchwords of his and the focus of the far ranging investigation was immediately and very effectively tightened to just him.
Historically, forensic linguistics has been used in a common sense way. In the Old Testament, at Judges12:6 an early use is made of forensic linguistics. In that passage it is recounted that after a melee between a tribe of Israel (the Gileadites) and their enemies (the Ephramites) a number of Ephramites attempted to pass as victorious Gileadites and make their escape from the battlefield. The Gileadites were able to unmask the posing Ephramites by forcing them to pronounce the Hebrew word "shibboleth". Ephramites apparently pronounced the first syllable "sib" unlike the proper Hebrew pronunciation of "shib". To quote the text, "If he say 'shibboleth' then they seized him and slaughtered him at the fords of the Jordan". Also historically in the Lindbergh Kidnapping case the prosecution made much of misspellings in the ransom note which matched errors made by the defendant Bruno Hauptmann in other contexts. The text of the kidnapping note to Colonel Lindbergh included, "We warn you for making anything public or for notify the Polise the child is in gut care." Hauptmann had misspelled "police" and used the German "gut" for good in other contexts.
This post continues after the jump.
Today more sophisticated analysis is used. Perhaps most spectacularly, a computer generated word usage count was used to prove that Joe Klein of Newsweek was the author of the anonymously authored novel "Primary Colors" about the Clintons in the early 1990s. The vocabulary usage and statistically replicated syntax matched Klein's other works very convincingly. Recently in Harrisburg, a perjury prosecution was dropped by the district attorney based on an expert opinion by a forensic linguist concerning the actual meaning of a some testimony by a grand jury witness. In some cases a forensic linguistic expert can make all the difference.
A Communicate Threat Assessment Database has been established by a former FBI forensic linguist allowing for quicker analysis and comparison of criminal threats. Even in contexts short of outright criminality statistical analysis of linguistic pattern, word usage, syntax and the like can help establish the authenticity or authorship of a documents or statements. Forensic linguistics is a valuable tool to keep in mind in internal investigations and white collar criminal defense.


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Golden Bowl / Ocean SOLD Suz Shippey Borski
(Source: metonimica, via lifeonsundays)
Golden Bowl / Ocean SOLD Suz Shippey Borski
(Source: metonimica, via lifeonsundays)
I've said this before but one thing I personally value a lot is seeing people going after their dreams and making them come true.
Last June in Pitti Uomo I once again had the pleasure to meet a lot of new people and make new friends. One of the guys I met was a young Swede, Saman Amel - one of the two guys behind the young brand Saman Amel, based in Stockholm and specialized in ties and other accessories.
Made in Sweden
One of things the guys behind Saman Amel are rightly proud is the fact that all products are not just designed but as well produced personally by their own team in Stockholm, Sweden.
The main focus is on ties, which they offer both "ready-to-wear" and through their "bespoke service" - All naturally handmade, using materials such as cotton, raw silk, linen, wool and cashmere.
The ready-to-wear-line includes options mainly with two different constructions - 6-fold and 7-fold and the prices vary from 120 euros to 140 euros. The collection of this fall is generally the second one for the company and in terms of materials and colors they seemed to have focused especially to staples that every guy should have in their wardrobe such as cashmere and wool in different shades of grey and blue.
One nice detail they also offer on all orders is the chance to have your tie with a hand embroidered monogram.
The price for bespoke service - where you can choose the fabric, dimensions, construction and details starts at 165€.
Saman wearing his own products - what else.
Recently I had a chat with Saman and after that he and Dag, the other part behind the brand were kind enough to take their time to share some thoughts about their style and the brand Saman Amel.
1) "Who are you" guys?
As of right now we are two persons moderating the business of the brand. Myself and my dear friend Dag Granath.
Besides our work with the brand we are both employed by the Swedish fashion house J.Lindeberg. I handle the made to measure service of the company at the J.Lindeberg flagship store in Stockholm. Dag is currently working at the design dept. at the head office of the company while at the same time conducting studies in communication and copywriting in Stockholm.
Me and Dag met a long time ago, sometime around 2003-2004. We played football together and instantly developed a great friendship. Later on, in 2009, we worked together at the head office of another brand based in Stockholm. It was during this time that our ideas of starting our own brand focusing upon premium neckwear was being put into practice.
Interview in notorious menswear blog DressLikeA!
Saman Amel
Our dear friend Victor(agnelli-esque), all the way from NYC is wearing his brand new bespoke Saman Amel tie, in a fine cashmere/wool fabric from Italy. Shades of grey, really great combo.
Looking forward to our next project!
(Source: agnelli-esque)


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Start Saving For Next Year's Christmas Today
Published on - December 20th, 2009 (by Adam Baker)
This article is by staff writer Adam Baker. Baker recently listed the Top 10 Money Movies of the Decade. Baker and his family are spending their holiday season hiking around the south island of New Zealand.
I have some potentially shocking news for you: Christmas is coming! No, I'm not talking about the one in a few days; I'm referring to the one that's coming just twelve months down the road.
Far too many people — including me — let Christmas sneak up on us. Suddenly, somewhere around late October or early November, it hits us: Christmas is right around the corner and our budget is going to have to catch up.
I hate to break it to you, but Christmas takes place on the exact same date every year. There's no reason it should have the opportunity to surprise us or our budgets.
So this year, even before Santa makes his rounds, give yourself an early present by taking the following steps:
- Review this year's spending. Take stock of the budget you had this year. How much did you spend? How many people were on your list? Are you happy with this number, or would you like to raise or lower it next year?
- Estimate next year's Christmas budget. Based on your level of contentment with this year's spending, determine an amount for next holiday season. Is your immediate family growing or shrinking (moving away, maybe)? Are you determined to make more homemade Christmas gifts next year to save money? Decide now.
- Divide your estimate by 12. Obviously, this is to reflect contributing once a month for each of the twelve months of the year. If you have a unique budgeting system that works, you could break this down into biweekly (26) or even weekly (52). Apply it to whatever system works best for you.
- Automate regular withdrawals. Regardless of whether you choose weekly or monthly, have the funds transfer at regular intervals into a separate account. Many of you already have systems for automated savings and can just plug in next year's Christmas starting now. If you don't yet have a system, try creating a specific account that is liquid, but inconvenient to get to. You may want to test out on online savings account.
- Start today! By making your first payment now, you'll be finished with monthly payments in November. That'll give you plenty of time to finalize any last-minute gift shopping. The longer you put it off, the more you are going to have to set aside each month.
I don't want to zap all the fun out of your holiday season. But by starting to save for next year's Christmas today, your wallet will be thanking you for the early gift this time next year!
Courtney and I wish you and your family a happy and healthy Christmas holiday.
I think this is good advice, something I've been doing myself the last two years. In July I get a bigger than normal pay cheque so I always set aside christmas shopping money from that. It kind of sucks at the time but I sure am glad I do it when December rolls around and I can stick to my normal budget without any creative modifications.
Thinking about homemade gifts next year because they mean more to family and friends!
Otherwise- I have been doing this about five years and it works great!My property taxes and Christmas money are in the same account. It works well!
I mentioned the whole saving-all-year thing to a friend of mine and she looked at me like I was insane. Why is it so hard for people to grasp that things like Christmas are a PLANNED expense? /Apply palm to face.
How is this any different then having a Christmas Club account? All banks and credit unions use to have these accounts, you would pay into it monthly or have a deduction taken out of your paycheck. The bank or credit union would then send you a check for the total balance on the 1st of December.
Now most banks no longer offer this type of account but that doesn't stop you from opening a sub account at ING and labeling it Christmas or opening a target account at Smarty Pig.
Sometimes the best ideas are just old ideas we got away from.
Newspaper clipping of Chase's Christmas Club account from 1975
Good post! I think budgeting ahead like this also encourages people to earn a little extra money during the year for Christmas, rather than trying to earn more in the holiday season when schedules are already hectic!
We do not exchange with extended family, but still have a Christmas Club. We use it to buy gifts for our children and to pay bills.
Each year we added an extra $5 a week gradually working our way up to over $100 a week. We didn't mind it when it was just another $5 a week. We use this to pay our garbage, water, sewer fees. newspaper subscription, cable etc for the whole year. Somehow saving for these things under the guise of Christmas makes it seem better. It sure does feel like Christmas in January when all those bills are out of the way for the year!
The first thing that came into my mind too was a Christmas Club. Smarty Pig would be perfect for this sort of thing if your bank doesn't have a christmas club anymore because it is automatic every month. I'm using it right now to save for some furniture and a trip, maybe I'll add Christmas too.
I totally agree with Sara A. We save all year for this so we can pay cash but people think we are nuts. For us it just means that we can spend the way we want to, not feel bad about it, and not still be paying for it next year.
For us the money goes into vacation/gift spending savings. We do accumulate some of the gifts during the year so if we spend on that, we just transfer it over.
This advice is great not only for Christmas budgeting but for many known or anticipated events or occasions for the next year. Planning a vacation? Having a baby? Plan ahead.
I also like the idea of a Christmas Club style savings account with ING or even your local bank or credit union.
Adam – this makes a lot of sense but I don't love Christmas, so I'm not sure I could stand thinking about it every month of the year.
Think I will start a yearly Florida fund instead and escape some of this cold over the festive season.
I have been doing Christmas clubs at my CU for years. They let you deposit whatever amount you decide to set up and then after dividends are paid on October 1st the check is mailed out to you. For the past two years I have not done this (why I did not, I am really not sure) and this year especially it is difficult. I restarted my Christmas club the first week of October when the CU opened them up again. It is so much easier saving a small amount every week than trying to find a few hundred dollars extra every November/December.
Check with your regular bank to see if they offer it. Our credit union re-established Christmas Club accounts about 5 years ago, and I've talked to a couple of other people who have received promotional information from their banks "reintroducing" Christmas Club accounts.
With our CU, the Christmas Club is just a sub-account of our main savings account. We control how much goes in and how often (though we could set it up for automatic transfers from checking), but the only real difference from our other accounts is that we can't access the money. Once it goes in, it stays in until about the middle of October, when it suddenly shunts over into our main savings account.
It does have drawbacks, however. Twice over the years I've transferred the "extra" money back into the Christmas Club thinking that there had been an error … only to realize that it was mid-October and then having to call the bank and ask them to transfer the money back into my regular savings account. Based on the bank person's reaction, I'm not the only one who gets used to the money going into the Christmas Club but then has a brain cramp when it comes back out.
Why just Christmas? We do a "gift" category that encompasses all the gifts we expect to have to buy over the year. Obviously Christmas is the largest chunk of this (probably 2/3) but the point remains: approximate your gift spending for all birthdays, Christmas, and other events, then spread it across the year.
Great reminder. Start today. Thankfully when we opened our new bank accounts, the manager showed us that the Christmas club account paid more in interest than a regular savings account. It pays to check around.
Xmas isn't my holiday but this is what I really need to do to prepare for Passover every year. For 8 days I spend at least $1,000 plus boarding the dog (currently about another $400) and I'm always scrambling for money to pay for it even though I usually have a 3 payday month in April. Now that I've finally started to set aside money again for things like the fuel oil, property taxes, etc. that only happen once a year I have to try to get Passover straightened out too. I'm just not sure how much I'll be able to do in the next 4 months or so but I have to make it a priority for the next year.
I take this further. As well as doing this for Christmas gifts, I also list out everyone's birthday, mother's day, father's day, and work out the budgets for them, plus another $100 or so for unexpected gifts.
Then I add it all up, divide it by 26, and that's the amount we put aside each fortnight. No surprises at all, once I got over the shock of how much we really spent the first time. (It's been pared back each year.) Then at the end of the year if I've got anything left over I sweep it into general savings and start again
If you want to be really organised you can also keep a spreadsheet showing how much you spent on each gift vs budget but I don't bother.
I just made my first deposit into my Christmas account – for next year – this week! I have a special separate free checking account where I make small weekly deposits (from what is left over from the weekly budget). By the time Christmas rolls around I have enough money to pay for everything we need and there is no need to charge anything. Good, good advice!
Sigh — this may be a great idea. But for January 6 or 7, not December 20! I think that too often US culture minimizes real enjoyment of any event by always looking ahead of it — we haven't even celebrated this Christmas yet!
Thanksgiving gets spoiled by becoming just the day before "Black Friday," and I've already received my first post-Christmas sale catalogs, and it just seems odd to me that we can't stop and enjoy some good times without thinking about the next thing… It wasn't always thus — for most of Christian history the celebrations that began on Christmas lasted to January 5th (Twelfth Night), and even in the mid-19th century, newspapers were still advertising "good books for holiday giving" after the 1st of the year. My dear husband's family used to buy their Christmas Tree on Christmas Eve but he was the child of older parents, and that now sounds like a weird tradition…
I suppose people who put up their holiday lights the weekend of Thanksgiving are bored with them by Christmas, and the tree that went up December 1st or so will be dead by then, but, well, it does seem odd to me.
My credit union does have Christmas club. The money is deposited November 1st into your account. Funny I notice this year they are actually advertising it for next year. Think its making a comeback!! I've done them for YEARS and I remember a long time ago you used the bank book that had so many payments to make and they stamped the book! The check they sent had a Christmas tree on it! I guess I am old.
A sure fire way to save on Christmas presents. Have less friends to give gifts to.
1) $0.
2) $0
3) $0
4) $0
5) Awesome, I'm finished! Thanks Baker!
Thanks for the kick in the butt! Just set up a Christmas savings account and automatic monthly transfer. No more stressing over money next holiday season for me.
Adam – this is a great idea – I'm going to go into my ING account and add another sub-account immediately for holiday gift spending. Brilliant!
My solution is that I use the Dependent Care Savings account. It pulls out the money pre-tax from my account, so I barely even notice that it's gone from my account. At the end of the year, I can make a claim for the full Xmas budget, plus I usually have extra $ as well.
Great advice. We do this with all expenses or bills that occur at some point during the year but not every month — real estate taxes, various insurance policies, vacations, gifts, etc.
We do this and have done so since we got married. Its great to come into the holiday season with a fully funded holiday budget. And since we automate it we don't actually think about it but twice a year – (1) when we set up our auto transfer and (2) in November when we start our holiday spending.
We do this for vacations/travel and other planned expenses.
In addition to the Christmas club auto withdrawals: Cash the check when you get it. Put it in an envelope with a list of all the Christmas expenses: Christmas dinner, holiday tipping, wrapping paper and cards, lunch out while shopping, and, of course gifts, with a dollar amounts attached to each line item. Pay cash for everything. If you shop on-line: Take the cash out of the envelope and set it aside to pay the charges when the credit card bill arrive. When the envelope is empty, you're done with holiday spending. I've been doing this for many years. It sure is nice to not have the painful credit card bills in January. From readiing other posts it sounds like I'm fortunate that my employer direct deposits my Christmas club withdrawals. I never have the chance to "borrow" from the fund mid-year.
Lots of people have mentioned the "Christmas Club" accounts. (My Credit Union calls it a Holiday Savings Account) Some advantages to that over a regular savings account that my credit union has:
1) No minimum balance! My other savings accounts at my credit union have a minimum balance of $25. Since I have 5 savings accounts, that ties up $125.
2) My credit union actually penalizes you if you withdraw manually instead of taking their transfer. This is an advantage because you aren't tempted to use the Holiday money for other expenditures.
I love the way my bank does it, because they award you all the interest on October 31st, and then automatically deposit the money from the Holiday account in your "Main" savings account on November 1st. I put $100 a month in it and use the money for travel expenses over Thanksgiving and Christmas, extra food we buy for entertaining, gifts, our yearly Christmas Ornaments we buy, etc.
I think everybody should have a holiday account.
This is a good idea. I like shopping for Christmas, but don't budget for it. I will admit that Christmas is my achilles heel, where I DON'T want to be a penny pincher, but at the same time if I plan maybe I can make it more enjoyable. Here are other suggestions.
If you do exchanges, pick out the people for next year now and decide on what the budget is. This way you can shop during the year for that person. Mentally set a budget for each person on your list, and keep to it! If the budget is less than what you are doing now, let the people know in advance so they will have a year to get used to it. But mostly for myself, I need to Set a Budget, total, for all christmas-related things including presents, stocking stuffers, decorations, food and entertainment. That way it will encourage me to be creative about spending, for example reusing paper from last year, baking at home, etc to stretch the budget for other areas. We have two kids and large extended family on both sides (all the kid's grandparents, aunts, uncles, nieces, nephews etc) so I need a plan of attack.
I just started an ING Subaccount "Christmas 2010″. I'll try to put 20 dollars per paycheck in. As well as any bonus money.
Being prepared for these irregular expenses is the only way to avoid sinking the monthly spending plan. And Christmas can be such a huge expense, too. Kudos to all of you that are using your ING accounts for this. Online savings accounts are just the best!
In addition to saving a certain amount a month, I also start buying presents early! When I see something I think the person would like, or if they mention something during the year, I make note of it and get it when I see it or have a good coupon. This takes care of both the financial stress and getting gift stress!
Saving ahead of time is one method of holiday planning I'm sure won't backfire. Buying all my gifts moths early, however, led to nightmares and headaches when the item was unwanted or damaged and the return period was long gone. So much for being Princess Prepared.
We do this for Christmas gifts and also for any expense that we know will happen every year but is not monthly. We make it into a monthly expense by putting it as
a line item in our monthly budget.
Other categories we do this with are "all other gifts" (birthday, wedding, mother's day), auto maintenance (oil changes, car washes, regular maintenance such as new tires, timing belt), car excise tax, our water/sewer bill which is billed quarterly, magazine subscriptions, veterinarian bills, classes for our kids (swim lessons, dance lessons, soccer, etc).
We estimate the annual amount we spend on these, divide by 12, and change our direct deposit to have that directly deposited to savings so we don't accidentally spend it. When we do spend it we transfer that amount from savings to checking. It's not totally exact but close enough.
We are essentially saving for these things, but we don't really consider it saving because it is part of our monthly budget – we consider it a monthly expense that we have to allow for.
Christmas club accounts are wonderful. Everyone should have one. $10 per week becomes $520 at Christmas. Woo Hoo!
If you don't do Christmas, use it for a great vacation or something else. When my old cat was sick, I used to have a little account set up just for veterinary bills, which were too irregular to put in my regular budget.
Why limit the idea to just budgeting for the year (which by the way is an excellent idea)? We've been doing this with our CU for teh last eight years.
There are great sales after Christmas and year-round. Why not start picking up items/gifts on clearance for next year? Close to Christmas, you won't have as many gifts to buy. And your Christmas Club? You can spend the excess on something else, or start building on it.
I've saved a meager $5 per week this past year. I don't miss those five dollars, but it's nice having it during Christmas time. Easy and stress-free.
It seems odd; we have used a Christmas account through our credit union for years. All the way through our debt accumulation and debt elimination.
Why so open minded to this but so close minded to proper money management in all other aspects of life? Go figure.
Budgeting makes all the difference!
I went to an after-Christmas sale and stocked up on birthday gifts for the coming year for the children. With many grandchildren and a few nieces and nephews, I saved a bundle. Think I spent about $30 total!


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Wedding music for walking down the aisle
Wedding season is upon us and we at Zk are happily humming away. "Here comes the bride…nah, nah, na-naaah". You know the one, right? It's Wagner's Bridal Chorus.
But what do you mean you don't want it in your wedding? OK, fair enough. So what do you want?
Music for walking down the aisle is just one of the 100 things you have to choose when you organise your wedding. So let us at Zk hum you some other tunes, to see what you do like…
Before we start listing tens of pieces that you could walk comfortably to, first you need to think about the following…
*Location for the ceremony. If it's a religious setting, you may want something solemn, pretty classic. Or perhaps you want something modern. Whatever you do, consult with your cleric, who can guide you in terms of suitability and any regulations concerning choice of wedding music.
*Facilities available. Is there an organ in the church? Does the hotel have a sound system? Will a 30-man male voice choir fit into the room? Think logistics while you hum your favourite tune.
*How long is the "aisle"? Whether you're getting married in a place of worship, in your local town hall or in a park, if you have to walk to meet your husband-to-be you need the music to be long enough to give you time to get there, but short enough so that you're not standing around waiting for it to finish. Check with the musicians to see if they can play a shorter/longer variation on the original and practice!
So, now you've taken all this into account, here are some suggestions.
*Air on a G string, Bach
*Arrival of the Queen of Sheba, Handel
*Canon in D Major, Pachelbel
*Jesu, Joy of Man's Desiring, Bach
*Arioso, Bach
*Kissing You by Des'ree
*From This Moment On by Shania Twain
*The Wedding Song by Kenny G
*Grow Old Along with Me by Mary Chapin Carpenter
*The Book of Love by Peter Gabriel
*Fields of Gold, Eva Cassidy
Leave us a comment below telling us what music you're going to have for your wedding. And for some more inspiration, why not check out singers The Classical Songbirds?!


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