text:
The Effect of Hysteresis on Equilibrium Selection in Coordination Games
AbstractOne of the fundamental problems in both economics and organization is to understand how individuals coordinate. The widely used minimum-effort coordination game has been used as a simplifed model to better understand this problem. This paper first presents some theoretical results that give conditions under which the minimum-effort coordination game exhibits hysteresis. Using these theoretical results, some experimental hypotheses are developed and then confirmed using human subjects in the laboratory. The main insight is that play in a given game is heavily dependent on the history of parameters leading up to that game. For example, the experiments show when cost c = 0:5 in the minimum-effort coordination game, there is signifcantly more high effort if the cost has increased to c = 0:5 compared to when the cost has decreased to c = 0:5. One implication of this is that a temporary change in parameters may be able move the economic system from a bad equilibrium to a good equilibrium.
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Bibliographic InfoPaper provided by Purdue University, Department of Economics in its series Purdue University Economics Working Papers with number 1265.
Length: 28 pages
Date of creation: Sep 2011
Date of revision:
Handle: RePEc:pur:prukra:1265
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Related researchKeywords: Hysteresis; Minimum-effort Coordination Game; Logit Equilibrium; Experimental Economics; Equilibrium Selection;
Find related papers by JEL classification:
- C72 - Mathematical and Quantitative Methods - - Game Theory and Bargaining Theory - - - Noncooperative Games
- C92 - Mathematical and Quantitative Methods - - Design of Experiments - - - Laboratory, Group Behavior
- M53 - Business Administration and Business Economics; Marketing; Accounting - - Personnel Economics - - - Training
This paper has been announced in the following NEP Reports:
- NEP-ALL-2011-09-22 (All new papers)
- NEP-EVO-2011-09-22 (Evolutionary Economics)
- NEP-EXP-2011-09-22 (Experimental Economics)
- NEP-GTH-2011-09-22 (Game Theory)
- NEP-HPE-2011-09-22 (History & Philosophy of Economics)
ReferencesReferences listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Jordi Brandts & David J. Cooper, 2006.
"A Change Would Do You Good .... An Experimental Study on How to Overcome Coordination Failure in Organizations,"
American Economic Review, American Economic Association,
American Economic Association, vol. 96(3), pages 669-693, June.
- Jordi Brandts & David J. Cooper, 2004. "A Change Would Do You Good . . . An Experimental Study on How to Overcome Coordination Failure in Organizations," UFAE and IAE Working Papers, Unitat de Fonaments de l'Anà lisi Econòmica (UAB) and Institut d'Anà lisi Econòmica (CSIC) 606.04, Unitat de Fonaments de l'Anàlisi Econòmica (UAB) and Institut d'Anàlisi Econòmica (CSIC).
- Jordi Brandts & David J. Cooper, 2004. "A Change Would Do You Good... An Experimental Study on How to Overcome Coordination Failure in Organizations," Working Papers, Barcelona Graduate School of Economics 115, Barcelona Graduate School of Economics.
- Nyberg, Sten, 1997.
"The honest society: Stability and policy considerations,"
Journal of Public Economics, Elsevier,
Elsevier, vol. 64(1), pages 83-99, April.
- Nyberg, Sten, 1992. "The Honest Society: Stability and Policy Considerations," Working Paper Series, Research Institute of Industrial Economics 341, Research Institute of Industrial Economics.
- Cason, Timothy & Savikhin, Anya & Sheremeta, Roman, 2011.
"Behavioral Spillovers in Coordination Games,"
MPRA Paper
52106, University Library of Munich, Germany.
- Cason, Timothy N. & Savikhin, Anya C. & Sheremeta, Roman M., 2012. "Behavioral spillovers in coordination games," European Economic Review, Elsevier, Elsevier, vol. 56(2), pages 233-245.
- Timothy N. Cason & Anya C. Savikhin & Roman Sheremeta, 2011. "Behavioral Spillovers in Coordination Games," Working Papers, Chapman University, Economic Science Institute 11-20, Chapman University, Economic Science Institute.
- Roberto A. Weber, 2006. "Managing Growth to Achieve Efficient Coordination in Large Groups," American Economic Review, American Economic Association, American Economic Association, vol. 96(1), pages 114-126, March.
- Urs Fischbacher, 2007. "z-Tree: Zurich toolbox for ready-made economic experiments," Experimental Economics, Springer, Springer, vol. 10(2), pages 171-178, June.
CitationsCitations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
Cited by:
- Arifovic, Jasmina & Hua Jiang, Janet & Xu, Yiping, 2013. "Experimental evidence of bank runs as pure coordination failures," Journal of Economic Dynamics and Control, Elsevier, Elsevier, vol. 37(12), pages 2446-2465.
- Fabrice Le Lec & Astrid Matthey & Ondrej Rydval, 2012. "Punishment Fosters Efficiency in the Minimum Effort Coordination Game," Jena Economic Research Papers, Friedrich-Schiller-University Jena, Max-Planck-Institute of Economics 2012-030, Friedrich-Schiller-University Jena, Max-Planck-Institute of Economics.
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text:
For a charge of Virginia possession of marijuana, the Commonwealth doesn't have to prove a specific amount of marijuana in your possession; they just have to prove that you had some marijuana. That's why the defense of claiming that there was only a little bit is not enough to get you out of the charge.
I talk to a lot of people who tell me it was less than a gram, it was only a bud, or they only had a little bit. Unfortunately, I have to tell everyone the same thing: just having a little bit of marijuana doesn't get you out of the case. Really all the Commonwealth has to prove is that you had some amount of marijuana in your possession. There's lots of other defenses that we've talked about but this one, unfortunately, is not going to get us anywhere.
Now, the amount could come into play if you're facing a bigger charge like possession with intent to distribute. With that kind of charge, the amount could come into play. If you only had a little bit of marijuana, it's unlikely that you're trying to distribute it. However, for a simple charge of basic possession of marijuana, the amount simply doesn't matter.
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subset: commoncrawl


text:
Eternal Flame is one of the most famous and classic rock climbs in the world. First climbed in 1989 by the legendary German team of Wolfgang Güllich and Kurt Albert, it has become one of the 'ultimate ticks' in world climbing.
This is the story of the first free ascent, told by Thomas and Alexander and accompanied by superb photographs.


text:
Ask the Readers: Income? Or Negative Savings?
Published on - March 16th, 2012 (by J.D. Roth)
I've been fielding reader questions at Get Rich Slowly for almost six years now. In that time, we (you and I) have answered 202 questions, most of which have been about the Big Picture, about things that apply to everyone. Sometimes, though, it can be interesting to get a bit more specific.
For instance, Julie wrote recently with a question that, by her own admission, is technical and fussy. Well, let's be technical and fussy for one day, shall we? Here's what she writes:
I currently have several different targeted savings accounts that I fund with either direct deposits from our paychecks or automatic withdrawals from our checking accounts. I use an Excel spreadsheet as a budgeting tool, partly because I didn't want to spend on software, partly because I was familiar with Excel, and partly because it's simple to download my transactions from my credit union. I can create categories within the online tool to compare to my spreadsheet based on what I want to track.
As I currently do things, the money that goes to the targeted savings accounts is coded as "Savings". When I spend anything on something from those accounts — for example, the escrow account for our property taxes and insurance — I code the withdrawal as a negative expense in Savings to correspond to the expense in the Insurance or Taxes category. At the end of the month, it comes out a wash, but at the end of the year it looks like I have a negative balance in savings when in fact we saved aggressively.
Another time this is an issue is when we dip into the emergency fund (hello, new furnace!). At the end of the month, it's a wash but at the end of the year we show a negative balance on the spreadsheet.
So, I guess the question is: When you withdraw from Savings, is that income? Or is it negative Savings?
I receive quite a few questions like this: People have developed their own tracking systems, and they want to know what I think. What I think is that each of us does this differently. There's no one right way to track your finances. The important things are to:
- Be honest. Make sure your system accurately reflects your financial health. Don't play with the numbers to fool yourself — or your spouse.
- Be consistent. Once you decide to track things a certain way, stick with your system. In Julie's case, that might be an argument to stick with the "negative savings" method.
- Aim for effectiveness. If your system is ineffective — if it doesn't give you the info you need, or if you don't use it — then there's no use keeping it. So this might be an argument against Julie's current system. Maybe she needs to switch to something that doesn't leave her confused.
It's also helpful if your system plays well with others, but that's not an absolute requirement. I've customized my Quicken installation enough that I can't just download info from the bank; I have to enter it by hand. I'm okay with that, though. Just be aware that the more you customize, the more you're tying yourself to your customized way of tracking things.
As for Julie's specific case, it sounds to me as if she may be tracking cash flow — the ongoing movement from one account to another. This can be useful in some cases, but when I am looking at bank accounts, what I really care about is the balance, not how much is flowing in and out. (Well, sure I care about the cash flow, but for budgeting and reporting, it's the balance I want.)
For instance, my targeted savings accounts are:
- Emergency Fund
- Mini Cooper Replacement Fund
- Travel Fund
Sometimes I have more accounts, but those are the three I have right now.
When I route money from my checking account to a savings account, my savings account balance increases. But when I take money out — to travel to Peru, for example — my savings account balance declines. At the same time, that money gets spent somewhere else. (In this case, I code it as Vacation.)
So, to answer Julie's question, I'd view this not as income but as negative savings. To me, it's income when it enters my possession. Once it's in my possession, it can't be income again, can it?
In some ways, saving is just delayed spending. I'll build my savings for a car over the course of years. When I pull the money out of savings to buy the car, that money isn't income. I've already earned it. It was money that was in savings, but now is being spent elsewhere.
Is all of this as clear as mud? How would you handle Julie's dilemma? How do you decided what is income, what is savings, and what is spending? When you take money out of savings, is that income? Something else? I know many GRS readers have created customized spreadsheets to make things easier. Is that you? Can you describe your system for us?
This week, let's help Julie be fussy. Next week, we'll return to questions about the Big Picture.
This article is about Ask the Readers, Budgeting, Savings
I consider it negative savings. For me income is when money comes to me from outside. Movements within my own accounts would be positive savings if it's going to the TSAs, and negative savings if it's coming out.
At one point I handled all of my cash tracking by rounding to the nearest dollar, but used coins in order to do my laundry, so I did in fact use an "Income" category for change for laundry. But after enough time of tracking I essentially know how my cash usage splits, so I just simplify at the time of the ATM withdrawal now.
The way I view it, I can't name it either income or negative saving.
It is not income since the money is yours already. Whether its saving or checking, doesn't matter. Its your money which you already earned.
It is not negative saving (honestly, heard the term for first time) because its a straight and simple spending which lowers your net saving. Your concept is fine but, the term seems fuzzy to me.
Why complicate personal finance with new terms? Keep it simple Julie! Your spread sheet will be easier to manage by having only two categories, Income and Expenditure. a kind of profit/loss statement.
If you make finances simple you'll achieve many great success in managing it and will have less headaches in future.
I agree! Especially with the no need to complicate it and to keep it simple!
One distinction that has been helpful for me is to separate savings from delayed spending. I use "delayed spending" for things like my next computer, travel, future bills, etc. Once it's spent, it's not part of my net worth.
On the other hand, "savings" is for retirement and my home down payment fund. It's money that will (hopefully!) appreciate and grow my net worth.
I'm not quite sure how to classify my emergency fund. I guess it has it's own label
I'm with you – I have "irregular expenses" for most periodic things that are less frequent than monthly (trash, sewer, car insurance, replacing tires and other car maintenance). Of course pulling from the emergency fund isn't periodic/irregular – it's an emergency. Maybe just label it as "unexpected expense" or "emergency expense."
Julie, I suspect I use a similar system to yours, mostly because I love Excel…
Right now I have several targeted savings accts. Three are with ING: One for expenses (and missed paychecks) associated with the upcoming baby (25 days and counting, +/- 5%), one for going to Disney with my sisters and their kids, grandparents, etc. (supposed to be this year, but see previous savings account), and one for a new bed. Each payday, I transfer a set dollar amount from checking to the separate ING accounts.
When it comes time to spend the money in the savings accounts, I transfer it back into checking (transfer from Disney account) in time to pay the credit card bill.
To me, the whole point of the targeted savings account is to zero it out when the target is met. I also have a 2012 property tax account, which I fill up all year, then zero out in September (when my property taxes are due). If I have a need to know how much I saved in an account over the last year (or multiple years, in the case of goals like grandchildren to Disney), I just look at the amount transferred to checking or the balance before the big withdrawal.
If savings are income, then do you need to "save" 20% of this savings income to maintain a balanced lifestyle
For me, I've a mix of GNUCash and spreadsheets. The spreadsheets handle the directed savings/sinking funds (we've no ING style accounts overhere). Money goes in as savings. Money comes out when required and in the case of the sinking funds, I just check to make sure I'm have money in the account before spending on my wants. As such, it wouldn't count as income.
I have the same targeted savings setup as Julie does, but I guess I name things a little differently. I'm also not clear on how the "savings" net can ever dip below 0. Even if you spend all the money in your short-term accounts, if it's "savings" going in and "savings" coming out it should net to 0, right? Did I misunderstand?
I call our savings to our short-term accounts "transfers." It's meant to come back out, so it's "transfer" again then.
I don't think it matters what you call it, but if the negative (how?) balance bothers you, only use the word "savings" for your long-term savings and use another word for the short-term savings.
She might be counting money that moves from "savings" into another savings vehicle, like a 401k, as an expense. I tend to think of it that way – it's kind of the flip side of thinking of short-term targeted savings as expenses. I'm buying stocks just like i buy groceries.
I "pay" savings as if it is an essential bill and any removal is considered as negative savings… once income of any sort goes into savings its in its own savings world.
Now, technically, since I use mint (and really want a better option I can use on my Mac — any suggestions???) it is a transfer to savings.
In regards to alternatives to Mint. Have you investigated Monydance? It runs on Mac, Windows and Linux. Plus, there is an app for the iPod/iPad/iPhone that synchs with the main program for mobile access to your data…
YNAB! I love it.
I use an Excel spreadsheet as well. I have two basic categories, Income (money that comes to me from some source) and Spending (money that goes out from me to another place), with obvious subdivisions in each group.
Money going INTO a savings account is noted under Spending: e.g., my paycheck goes to the mortgage, groceries, gas, and savings; the money went out somewhere else, in this case a savings account. Money coming OUT of savings is noted under Income: e.g., I dip into the house-repair fund for the chimney liner I've been saving up for; money came to me from a source (savings).
The important thing is that it all zeroes out at the end of the month.
I also would not consider money from savings to be income. During the month, I may add the amount spent out of savings to my "income" column just to see how balanced I am against my actual monthly income and spending, but at the end of the month, I just deal with my spreadsheet looking like I went over budget for my monthly income vs. monthly expenditures. At the end of the year, it all balances out.
I use YNAB and about 10 ING accounts for various targeted savings (which I have set as "off-budget"). I consider the money spent when it goes into the savings account in whatever category it was for.
So if I save $100 a month for a vacation, and want to spend $1200 on it, I would have an outgoing expense each month of $100 to an off-budget savings account with the category of vacation. When I have the $1200 in there, I transfer it back to an on-budget checking account, with the transfer also categorized as vacation, so I now have a positive balance of $1200 in my vacation category. So the transfer to/from the savings account is a wash, but at the end of the day none of this money is really considered "Savings" (since the whole purpose is to spend it!).
I use YNAB as well, and I have tried this approach before, but I don't like how it impacts the end of year (EOY) analysis (for setting next year's budget). Because it came in as a postive to the budget category, it balances out the expenses for the category and at EOY it looks like there was no expense for that category at all. So I bring in the vacation savings as income and then budget it to cover the expenses – actual expenses for the category are maintained.
I'm not worried about maintaining income figure for a month as actual wages/salary. To me, income for a month is the amount of money I have to spend for the month, and transfer from savings is part of that for some months.
This doesn't happen the way I do it. The expense is basically recorded 3 times (for example):
Savings to an off-budget account: $50 budgeted, $50 outflow x 3 months
Transfer back to on-budget checking account: $0 budgeted, $150 inflow, makes a positive budget balance of $150
Actual spending: $150 outflow, bringing the category balance to $0
I've basically had an outflow of $150, an inflow of $150, and another outflow of $150, for a net outflow of $150.
I track with Excel too. I've not yet had to use my emergency funds to pay for something (knock on wood), but if I did I would just make it a negative on my savings line. I like to track my income separately so I can see my take home pay for a year or whatever period.
When I get a tax refund or a birthday gift of cash, it gets hard to categorize so I usually put birthday money as a negative gift/charity expense; and tax refunds as negative savings.
Glad I'm not the only anal Excel personal finance nerd in the world who tracks everything they spend and earn…
I would never code income/revenue twice. Also, when auditing your savings accounts I like to simplify the process by monitoring the qtr over qtr percentage increase. If there is a decrease and the account is a reitrement account….well then no amount of excel organization/documentation can overcome a misstep in discipline.
I have NEVER withdrawn from a retirement account, but mine has gone down many quarters in the past. Q4 2001 and all of 2008, I'm pretty sure.
It's not just about discipline.
I think you can only count revenue one time. Once you bring it in from the outside it is income, but once in your possession it is your savings, spending money, rent money, etc. I think the most important thing is budgeting your money wisely and tracking your accounts regularly. It sounds as if Julie is doing that, she just needs to mentally draw a break between her different types of accounts and the spending they are reserved for.
I've actually had a problem with my Excel spreadsheet custom budget tracking thingy that seems to be along these lines. Here's what I did about it.
In my case, I was having issues with my credit card. Naturally, I wanted to track credit expenditures, but also track debt-payment expenditures. But I did it wrong, and between using the card and paying it off, every dollar on the card was being counted twice. Luckily this was a good problem to have because it meant I was underspending instead of overspending, but it was still a problem that needed to be fixed.
After relentlessly filling half a Moleskine with various attempts at solving my dilemma, I finally had a "duh" moment where I realized that spending credit really isn't the same as spending cash. In effect, it's like two different buckets. One for credit, and one for cash. So my credit expenditures are tracked separate from my money, and then money is spent to pay it off. It's the small stuff like that that we might forget to put in an Excel spreadsheet (although personally I wouldn't exchange my spreadsheet for ANY commercial software).
I think you could do the same thing here. You seem to have two sources of savings: Direct Deposit, and Income. The money you save from direct deposit never touches your income bucket. It is, as far as a spreadsheet is concerned, magical free tooth fairy money. It shows up out of nowhere and makes you a richer person. Of course I am assuming your listed income is your after-tax paycheck.
To set up your tooth fairy money, you should have a column saying which bucket it belongs in. So, the column would say either "Income" or "Direct Deposit" or whatever labels help you the most. Then you use something like a SUMIF() function that only adds up sources from the correct bucket for whatever you are trying to calculate.
This is a long comment, but I have a ton more to say if you're interested. If you want to get in contact with me, navigate to my blog http://www.theReverbSignal.com and use the "Contact Us!" link. Yes, it's a music website, but I'm also an avid Excel nerd and I would gladly help you optimize your spreadsheet. Or, maybe I could even learn from it
I actually have this problem in my Quicken budget.
Money paid to a vendor on a credit card is categorized as the actual expense ("spending money", "Gas," whatever). Thusly, it is reflected in my budget analysis.
Money paid to the credit card to pay it off is listed as a transfer, therefore according to Quicken, no money was spent.
But when making my budget, I have to account for the fact that there's $800 missing from my income! That's $800/month spent above and beyond any charges to a card, meaning if I charge $20 to a card and its debt reduction payment is $100, then I send $120 to the card. [I know some of you will say this is bad financial management and that may be so, but I'm getting points on the card and the amount owed every month is going down so I call it a win.]
This issue has resulted in me just not tracking my budget versus actual spending in a while. As long as my savings amount keeps going up, my credit card balances keep going down, and all my bills are getting paid then I'm going to stay away from nitpicking at my system.
This is double entry book keeping, and it is correct.
You could just make an exact duplicate of your Savings column (=cell_range). When you take money out of these funds, register the negative savings transaction *on the duplicate* columns, and calculate your balance using these, too. This way, your original Savings are kept intact and you can have a nice transaction history that will correctly display your efforts.
I use a combination of GnuCash and spreadsheets, and handle this situation very simply.
When money arrives at the savings account (e.g. from a paycheck) then it is "Income".
When money leaves the savings account (e.g. to pay the tax man) then it is an "Expense".
Generally, when we take money out of savings, I consider it negative. However, I would not consider the money taken from the escrow property taxes as a negative, but it wouldn't ever have been classified in our budget as a savings line item in the first place. Obviously, the money would be in a savings account, but if I were to see a line item savings balance increasing that I knew must be spent (like taxes), I prefer to think of it as not being part of savings at all.
Maybe it's a silly psychological game I play with our finances, but it helps us not to overspend.
All I care about are balances as well. I don't have separate saving accounts for different goals but I do have separate savings accounts, mainly for diversification. I don't look as savings as delayed spending. I look at spending as balance reduction and determine if the outlay is worth it unless it is emergency then it doesn't matter. But since i charge all emergencies on my Upromise reward card, I try to pay them off with incoming income, unless they are more than 2k. Savings are assets, not income, so you are talking about asset reduction. Since the small stuff is second nature to me, the big picture takes care of itself. I simply keep all regular expenses on excel, minimize/maximize what I can and focus on getting as much into savings first, then I decide later if I want to remove anything for discretionary purposes. I apply this to all savings including retirement accounts with the goal of increasing balances regularly. I am super frugal so its not a willpower issue to save and thus I have money for my needs and wants. I have a balancing equation that gets me splurge as necessary. When frugality (x)+ savings(y) is greater than or equal to Divorce (z) then Spend (A)
For me, I have 1 "Savings Account" that I don't even think of as savings since every penny in there is account for. I create sub-funds within that account that I manage in a similar fashion – using a spreadsheet to track fund balances and withdrawals. I use this 1 account for things like property taxes, my automated IRA monthly withdrawals, homeowners insurance, as well as yearly maintenance type expenses like having my gutters cleaned and my Christmas fund. To me, this account is just a holding tank.
I have another savings account this is just for "emergencies" (ideally) that gets money in but should rarely get money out.
I then have 1 more savings account that I consider my "Saving For" account. It also has some funds but these are for things I plan to spend money on, new car, vacations, basement remodeling, etc. I do think of this as savings, but I also know that the goal is to actually spend all this money at some point to…it's just a way to help me pay cash and not get sucked into buying now and figuring out how to pay for later. It's also my plan to avoid debt in the future.
Sounds like an accounting dillemna. You put money into savings, buts it not being tracked as positive savings in your system. So when you withdraw something, it looks like you started with zero and then withdrew X amount and now you have (X.00) in savings.
When you pay out of savings, if you are using an accounting method, you would debit your expense and credit your savings(expense goes up, savings goes down) to accurately reflect where the money went. However, when you automatically deposit into savings, you need to debit savings and credit whatever your main account is(total income is 400.00, 100.00 is deposited into savings, so you debit income 400, then you credit income 100 and debit savings 100).
Or something along those lines. It just sounds like you arent giving yourself credit for the money you deposit. Unless you are taking out more than you put in during the period of time you are tracking. In which case, everything is fine and you just need to reallocate the money going into your accounts.
I use GnuCash to track my spending. It's free and is a full double-entry accounting system. I highly recommend it to people who are serious about tracking their money.
Negative savings. If you treat savings as a set of accounts, than any outflow is negative and your gross savings decreases.
If your gross savings is in fact negative, then your overall savings for the year is also negative.
Having targeted accounts for specific annual expenses is good, but doesn't leave you with more money at the end of the year
I agree with everyone above: income is something that is taxable. In this case, the only portion of the savings that can be considered income is the interest earned on it. This accountant has spoken! =D
I use Quicken to manage my net worth, but to manage savings I use one savings account and a spreadsheet that shows what's in it. I use a rolling system of savings goals/targets to allocate my overall savings account into each defined goal. For the finance people out there, it's a LIFO system (last in, first out).
Let's say that I'm just starting out and my total savings is $1,000. I have an emergency fund target is $1,500 and I have no other goals at this time. My spreadsheet shows that I have $500 left on this goal to go.
But lets advance a couple of years. I now have $10,000 in my savings account and several goals:
(1) maintain $1,500 emergency fund,
(2) save $5,000 for my IRA, and
(3) save $8,000 to buy a new car.
Using rolling goals, I've already achieved (1) and (2), and I'm $3,500 deep into (3). When I move the $5,000 out of the savings account and into the IRA, my savings balance is now $5,000. I remove the IRA line, and the formulas show $1,500 in my emergency fund and $3,500 in my car fund. New goals are added and prioritized, and completed goals are either removed or shifted down to the bottom (for repetitive goals like yearly IRA contributions or property taxes). Since the emergency fund is the most important, it gets reduced last by shifts less priority funds into it.
I mark it as "Transfer" so that it doesn't show up as income. Example: I have a checking account and a savings account (simplified scenario). If I transfer something from checking to savings (for a future vacation or emergency fund), I mark it as transfer. That's in Quicken. Excel knows what each category (vaction, emergency fund, car insurance, etc) in my savings account has in it.
If I transfer something from savings to checking (to pull money out of an emergency fund for a furnace), there are 2 transactions:
1) One in my checking marked house maintenance where I paid the man.
2) A transfer from savings (emergency fund) to checking which is labeled Transfer in Quicken.
That way, it all washes out.
I use Mint to track my finances. Frequently, I use the code "Exclude from Mint" on items that have already been tracked as income or an expense. As an example, I link my credit cards to Mint, so the transactions are categorized appropriately, but if I were to allow the monthly payoff of my credit card to track on Mint then it would look as if I spent the money twice. I think it is crucial that you only track the money when it first comes in and when it last leaves your possession. Any transfers between accounts in the mean time should be ignored (you only really care about the balances of those accounts anyways, so if your savings balance increases month after month then you are doing well!).
That was technical? Here's one. Am i better off putting my kids college savings into my Roth and just pull it out if they need it. Or do i just open up an ETF?
Putting college funding into Roths is exactly what my husband and I have chosen to do. We really can't see a reason to do anything else. We're assuming (but we really have NO idea) that if our financial situation takes a turn for the worse and our kids end up needing financial aid, the Roths will count less heavily against us in terms of savings. Also, money in Roths can be used by us virtually without stipulation while 529 money has all kinds of exceptions.
That's our thought anway, but I'd love to see a discussion of this topic. We could be way off base.
Negative savings… except for the interest earned while the money was in savings. Interest is INCOME!
i think it is a delayed expense when you withdraw from targeted savings. targeted savings are a way to distribute irregular and infrequent expenses onto a regular and steady income. i would consider the money spent as soon as it enters a targeted savings account. the actual date you use the money is not important. It is allready budgeted to be spent. if you put too much or too little money into these targeted savings accounts then maybe it gets tricky to keep track of it all.
money in your emergency fund is different. we all know that we will have emergencies, but we can not predict how much money we need or when. The goal is to keep enough in there at all times. To me an emergency fund is wealth. it is an asset. I do not plan to use it, ever. When an emergency arises, it is just an expense that i wasn't prepared for. I will start to budget for that expense, and will get a new targeted savings account. And the money i took from the emergency fund will be put back, by additional saving in the months or years to come. To me an emergency fund withdrawal is a loan that needs to be payd back.
I LOVE this question! I am technical and funny just like Julie and I handle tracking my finances by Excel as well. Here is how I handle this particular situation.
I have a small section of my spreadsheet labeled "Asset Contribution." In this section I simply indicate how much I have transfered into or out of each of my asset categories EXCEPT chequeing (which is where everything goes by default) each month. So for example, if I did a $400 transfer into savings this month, but then transfered $1000 from savings into my stock portfolio, this section would look like:
Asset Contributions
Savings: -$600
Stock Portfolio: $1000
RRSP Contributions: $0
Total Asset contribution: $400
However, it's imporant to keep in mind that this is a minor part of my overall scheme. My financial tracking system has two main parts.
1) An Income Statement where I track all income and expenses by month. This gives me a monthly net income number and helps me keep my spending in check.
2) A Total Assets Statement where I track the value of all of my financial assets at the end of each month (bank accounts, investment account, retirement accounts, GICs, etc) in order to track how my net worth is progressing each month. If you have debt, that would go here as well.
The little section on asset contribution is an add on at the bottom of my income statement that allows me to double check things and make sure they make sense more easily.
For me, it's negative savings that deduct themselves from my overall savings.
Example 1
Let's say that in a month, you put 500 dollars from your checking to your savings account and take out 100 dollars for paying a bill that you created the savings account for:
Checking Account: $ -500
└ Savings: $ -500
└ Savings Deposits: $ -500
Savings Account: $ 400
├ Savings Deposits: $ 500
└ Savings Usage: $ -100
└ Expense xyz: $ -100
Example 2
If you're transferring that money back to the checking account to and pay the bill from there:
Checking Account: $ -500
├ Savings: $ -400
│ ├ Savings Deposits: $ -500
│ └ Expense Reimbursements: $ +100
└ Expenses: $ -100
└ Expense xyz: $ -100
Savings Account: $ 400
├ Savings Deposits: $ 500
└ Savings Usage: $ -100
Basically, you need to make up for the negative expense for the withdrawal – by adding a reimbursement on the account that receives the money from savings.
Wow, that's a lot of responses so my response is probably going to get buried all the way at the bottom. I say, it's neither. What it is, is Transfers. That's how Mint.com treats it. Create a category called Transfers and record the withdrawal as a negative transfer in savings, and a positive transfer in your checking or your credit card (wherever you incurred the expense). The expense will be recorded in the appropriate category (i.e. vacation), so all will be right at the end of the year.
I have one brick and mortar checking and one online savings. Everything's handled through my checking account. Bills, expenses, withdrawals are done through the checking account. When I know there will be money left over after everything is accounted for, it's usually swept back into the savings. Not always. Banking lingo calls this a zero balance account.
When I anticipate other expenses, money is then pulled in or out of my savings account and treated as transfers. The savings account is an extension of the checking account, if you will. I've begun to use credit cards to get the cash back and just payoff the balance with a transfer payment. New money is always designed to come into checking first and is logged as income and any money transferred in or out of savings is treated as simply transfers. Of course, automatic transfers from checking to savings is already in place. Hybrid of the out of sight out of mind concept.
This system of treating money going in and out as transfers has worked well since it requires advance planning and helps to eliminate impulse purchases. Not always, though. Still human.
I would definitely not consider an expenditure from savings to be income. I'm not sure I completely understand how Julie is tracking these things, but it looks like maybe she is entering savings contributions as expenses on her regular budget and then entering expenditures from savings as expenses, which is also not correct (that would be double-counting these expenses). I would suggest that Julie simply track her targeted savings accounts separately from her regular budget.
I, too, prefer Excel over budgeting software because I can customize it to do exactly what I want. For the sake of simplicity, I don't track different accounts separately — I just track income and expenses, and the difference is savings. The year I bought a house, I made a large down-payment out of my savings and ended up with a negative balance for the year, but combined (over all the years I've been tracking my money), I still had positive savings.
Sounds like there are lots of ways to account for expenses put into savings. Mine is pretty simple. I use QB so I record the amount of savings as though it were a bill I've paid. As you reconcile your account the paid bills showing up on the statement disappear from the next reconciliation, but the savings still show up. When I want to know how much I have in savings for say my property taxes which I pay every 6 months, I reconcile the account and select everyone of the outstanding transactions with the name "property tax". QB tells me how much the transactions are. When I pull the money out of the account, to pay the biannual payment, I delete the all of the "property tax" account transactions, leaving the balance of my savings still in the account.
I maintain two separate spreadsheets, one for my checking account, one for my savings account. When I transfer money to savings, that is a withdrawal (negative) on my checking spreadsheet and a deposit (positive) on my savings spreadsheet, and vice-versa. I like to see my cash flow to know where my money is going.
I prefer maintaining the two separate spreadsheets because I mainly look at my checking spreadsheet. This way, I only think of the money available in my checking account, I don't see the $10,000 in my savings staring at me wanting to be spent I also only have 1-4 transactions per month on the savings (generally deposits), and the rest of life goes through the checking account.
If you want to get really picky, for each month on the checking account I have two sub-spreadsheets, one for cashflow in the checking account, one to track all purchases made on my credit card. This helps me foreshadow how much I'll have to budget to pay off the balance the following month.
My husband and I have joint everything, and we share the spreadsheets on Google Docs, so any purchases or other activity can be entered or changed by either one of us.
You could try http://www.gnucash.org/. It's a free open source double book accounting software. If you get it, you might want to get a 101 accounting software, but if you get that down, it's great. I took one accounting class and it's enough I can generally figure out what we do, basically there's types of accounts and our money typically flows like so
Income -> Asset (Checking) account. There's rules about positive/negatives
Then you do a bunch of spending
Asset -> Expenses (Again they offset so both positive). We actually have like 100 expense accounts, and they are heirarchical, so under auto we have insurance, gas, parts, etc).
We also end up with
Asset -> Liability (It's actually a 3 way transaction where we track asset:escrow, expense:interest, and how much liability:principal we paid off)
Then we do -Asset (Checking) -> Asset (Amount owed) because my wife is always ordering stuff from Amazon and picking stuff up at Sams for her mom and grandma. We used to just tell them not to worry about it (Because we really didn't care, and it wasn't that much), but now we just tell them it's $54.87 or whatever because they didn't like that and we have exactly what it's for.
Gnucash can run some reports too, but basically we always know where our money is. My wife enters in everything as it occurs, then double checks against the online statement and the paper one. We also always spend through a credit card so we can get our 2% cash back.
It might be overkill, but we always have a great idea of how much money we have and where it's going. We don't budget much though, so I don't know how much that'd work for you. We just keep a high Free-Cash-Flow and always try to throw a lot at savings. But it's worked for us for the last 9 years.
If you're doing everything in Excel now, I think it might be worth trying. But I'd get a good idea of basic accounting and how the accounts flow, because it is a bit odd until you understand them.
I use Excel to track our family finances, along with Yodlee MOneycenter (which is similar to Mint). I have several sheets in the excel spreadsheet, including one that tracks net worth on a monthly basis, a sheet where I also record all income/expenses on a daily basis, and a sheet to track spending against budgets on a monthly basis. It may be a bit complex for some, but I like the added level of detail (since 2008 I have also tracked networth on a daily basis, using the Yodlee totals as my basis, but that is probably more detailed than most people want — has helped me stay the course with dollar cost averaging during the downturn, though!). On the monthly net worth sheet I have lines for ALL our accounts and major assets. I update these based on the yodlee totals on the first day of the month. I have separate subcategories for cash accounts (essentially "savings", credit accounts (including mortgage), and long-term investments (retirement, college savings, etc). I subtotal all of them so that on a month to month basis no matter what has happened with individual accounts I can see the overall trend for that category. In general, savings amounts go up monthly (though not always — sometimes I move funds from savings to investments), as do investment accounts, and credit accounts tend to go down as our mortgage principal amount drops with each payment. What I REALLY focus on is the net worth amount, which is the total of all these subcategories (cash accounts + investments – amounts owed). That is where you see the overall progress.
Sounds to me like Julie would benefit from adding a "net worth" line to her account summaries — easy to do once you have the basic information, using the simple formula outlined above.
I have one brick and mortar checking and one online savings. They are both free accounts. Everything is handled through my checking account. Bills, expenses, withdrawals are done through the checking account. When I know there will be money left over after everything is accounted for, the balance is usually swept back into the savings. Banking lingo calls this a zero balance account.
When I anticipate other expenses, money is then pulled from my savings account to my checking account and treated as transfers. The savings account is an extension of the checking account, if you will. New money is always designed to come into checking first which is logged as income and any money transferred in or out of savings is treated as simply transfers. Of course, automatic transfers from checking to savings is already in place.
This system of treating money going in and out as transfers has worked very well since it keeps accounting simple. It also helps to eliminate impulse purchases. Impulse purchases are not entirely eliminated, though. If only…
Hey, whatever works for you. But this seems like tooooo much "work" for us. We're about to retire as "the millionaires next door" without spreadsheets, etc. I've been mostly a SAHM except when I HAD to work because of husband's often unemployment (and then I wasn't making much money) — his last unemployment was for 10 months & health insurance was $900/mo. and we ended up using about $30k out of retirement savings. We have savings. Because we always lived frugally. When the 4 kids were at home it was hand-to-mouth, without cable, cell phones, designer clothes, expensive vacations, eating out maybe twice a year, etc. After they were on their own we continued to live frugally ( I LOVE my 10 yr. old used truck!) and were able to save money and invest (last 15 yrs.) We never had a "budget." Or savings plans. I didn't have time for that extra work. We just never spent much money on "stuff" or a big house or new cars, etc. and the money we were able to "save" kept getting invested and grew. We took a real big hit with the crash but have come back by holding the course. If I'd had to do all this budgeting & spreadsheet stuff I would have bailed on that system anyway. If it works for you — GREAT!!! But there are other ways to have financial freedom, if you can't (like me) deal with spreadsheets. (I hate math!!! And spreadsheets!)
This is a rough question. We have a well respected 15 year-old web development business with over a dozen employees, a rental property, and our personal income, and we've had similar questions as to what to track. Here are some questions that really got us:
* Is education savings "savings"?
* What if my IRA value goes up or down?
* What we put a new roof on the rental property, is that "investment" or "expense"?
* What if we add a dishwasher to our rental property?
* What if we add a dishwasher to our house?
* Now that we have 4 kids, how can we even compare our "expenses" to expenses from 5 years ago in any sort of meaningful way? Child care, diapers, vacations, food.
What we settled on is instead of measuring INCOME and EXPENSE we now measure:
* Net Worth
* Value of specific investments
* Expenses in each category (i.e. groceries, dining, etc.)
We've recognized that some categories are out of our control (i.e. health care costs for the family. We find the best insurance we can but at the end of the day we really can't control how often the 6 of us get sick. It just is what it is.), while others (take dining out for example and entertainment) are VERY MUCH in our control.
So our goal is to always maintain a positive net value growth. One amazing thing about this is with the recession we were forced to pay a LOT of attention to our investment portfolio and make sure we kept it balanced and be sure we were paying the lowest possible fees on it.
We also came to the conclusion that college savings for the kids is NOT an investment, even though it's managed through Vanguard and we've "invested" in the stock market.
We don't count our car or our possessions as part of our net worth as we can't think of any scenarios where we'd likely sell them, and even if we did we imagine we'd get a LOT less than we imagine they're worth for them (i.e. if we sold our car, because of where we live we'd need to buy another one, and with 4 kids we sort of *need* a mini-van or bigger, so even if we could get $10k by selling the car, I don't see how we could buy a replacement for it for less than $8k.
*Most* things we do to our home are NOT investment. We did expand the attic, which added a beautiful open room and plenty of storage, but we spent $35,000 but feel it only increases the VALUE of our house by $15,000, so only a little less than half of that was an "investment". This becomes REALLY clear when we look at net worth.
It's also neat to see the rental property. Whenever we have to do something to it we ask ourselves if it will add value or let us increase rent? If so, it's an investment and it will show up in the right places. If not it's not an investment.
Vacation savings is NOT an investment.
Nor is money we put into our car, house, wardrobe, hobbies, etc.
Kids college savings isn't an investment either. It's not something we plan on using for our retirement, and in our mind the REASON we save is for retirement.
This isn't to say that we don't go on vacation or "invest" in the upkeep of our house (we just had it painted last year), but we don't trick ourselves into believing those things are "investments" or "savings". They're expenses. But if they increase our net worth some way, then we're more likely to do them…
We have a savings account for every major spending category. We don't mess around with ins and outs. It makes it very simple. Too many times I had spent the utility money on something other than utilities because all of my money was lumped together in one account. I set up an account for housing, transportation, medical/health, Dog!!!, insurance, vacation, christmas club, etc. I think I have 8 total. For an initial set up of an hour or so you can put your finances on auto pilot.
Savings isn't income; you already collected that income somehow, you just happened to put it in a separate place to spend for later. I suppose the interest on savings is income, but it's pretty small that I don't feel the need to account for it.


text:
References:Kids want to talk about what's going on in their world. But if parents aren't open to discussion...teens will look elsewhere for help. On this edition of Parenting Today's Teens, Mark Gregston guides moms and dads to speak truth into the lives of their children.
This Stepping Stones book collection features Stepping Stones I, Stepping Stones II, and Stepping Stones III, three hardcover gift books that are perfect for any parent of any age. Each book is filled with short snippets of wisdom, encouragement, and practical advice to help you at any point in your parenting journey. These beautiful books are perfect for displaying on your coffee table, or anywhere in your home, office, or church. Books are sold separately or as a set.


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15 U.S. Code § 382 - Assessment of net income taxes
(a) Limitations
No State, or political subdivision thereof, shall have power to assess, after September 14, 1959, any net income tax which was imposed by such State or political subdivision, as the case may be, for any taxable year ending on or before such date, on the income derived within such State by any person from interstate commerce, if the imposition of such tax for a taxable year ending after such date is prohibited by section 381 of this title.
(b) Collections
The provisions of subsection (a) of this section shall not be construed—
(1) to invalidate the collection, on or before September 14, 1959, of any net income tax imposed for a taxable year ending on or before such date, or
Source(Pub. L. 86–272, title I, § 102,Sept. 14, 1959, 73 Stat. 556.)
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Black Snake - Local Area Photos and Information
Local Area Photos | Local Business Directory | Local Real Estate | Local Employment Center
Black Snake is a populated place located in Bell County at latitude 36.768 and longitude -83.503.
The elevation is 1,115 feet. Black Snake appears on the Balkan U.S. Geological Survey Map. Bell County is in the Eastern Time Zone (UTC -5 hours).
Bell County: Cities & Towns | ZIP Codes | Schools | Features (airports, churches, hospitals, etc.)
BOUNDARY MAPS: | Tejay Division | Bell County
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Tuggleville, KY
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Pathfork, KY
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Molus, KY (3.1 miles NNE)
Callaway, KY (3.4 miles WNW)
Laurel Ford, KY (4.1 miles NW)
Oaks, KY (4.3 miles SW)
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Insull, KY
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Tejay, KY (3.4 miles W)
Creech, KY (6 miles E)
Wilhoit, KY (8.5 miles NE)
Jaybel, KY (8.9 miles NW)
Keenox, KY
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Pansy, KY (9.7 miles E)
Boons Path, VA (10.4 miles SE)
Red Hill, TN (13.1 miles S)


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Your Home Magazine
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Before, Wesley says, he was too busy with his own life. "When I went to Iraq, I can't say it didn't change me. You really see what's important in life when it could be taken away from you at any minute."
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Autobiography of a Writer by Victor Villaseñor
When I started school I was five years old, really little, and my teacher looked tall and huge and I thought she knew everything because of all the books she had on her desk and how she'd open them up and read all these great stories to us.
Then in the third grade, we went on an outing to the library and there were all these books on the tallest shelves I'd ever seen. By the sixth grade I knew that book writers were giants, every bit as big and strong and wise as Superman. In high school, we found out that one of these giants was John Steinbeck and in college, I found out that he was also one of the most important writers of his generation, was world famous, respected far beyond movie stars and other celebrities because his writing touched the human soul.
So what does it mean for me to become the Inaugural John Steinbeck Chair of Hartnell College and the National Steinbeck Center —it means that this little kindergarten kid has finally been recognized after forty years of writing to be one of those people whose has also touched the human soul. Because to be associated with John Steinbeck, a fellow Californian, is like a dream come true. To think of Of Mice and Men and Lennie gives me goosebumps. To think of Grapes of Wrath and that family's struggle and kindness in the face of poverty, hunger and desperation gives me hope for all of humanity. To read To a God Unknown about a man whose love of the land is his spirituality, is to know that John Steinbeck is a universal writer of great importance.
It doesn't matter what religion we belong to, what politics we believe in, a writer like John Steinbeck helps bring us closer together by uplifting our souls, healing our hearts and bringing forth our humanity.
I'm still in kindergarten, little, and looking up at giants, and so it truly surprises me, kind of shocks me, to see that people now look up to me.
Me, a little nobody who still can't read very well even today.
So if I can do it, then we all can do it. Lennie, I'm your brother -I just got a little lucky. God bless you John. God bless us all.


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NEW YORK (AP) — Facebook is giving users better control over who sees information on their personal pages.
The online social network is launching new privacy settings Wednesday that are designed to simplify the cumbersome controls that have confounded many users.
Users will be able to select a privacy setting for each piece of content, such as photos or updates, that they share on the site. The choices are "friends" only, "friends of friends" or "everyone."
All users will be asked to review their settings.
The site is also getting rid of its geographic networks, because many of them — take "New York" or "Australia" — have gotten too big.


text:
Here are some of the latest health and medical news
developments, compiled by the editors of
Small Decrease In Medicare Advantage Premiums Next Year
The average monthly premium for Medicare Advantage plans will
drop by 1 percent next year to about $35, Medicare officials said
However, some seniors enrolled in the private plans through
Medicare will pay a little less while others will see higher
premiums. Advocates encourage beneficiaries to shop around when the
open enrollment season starts on Nov. 15, the
Associated Press reported.
About 11 million seniors (one-quarter of Medicare beneficiaries)
are signed up in Medicare Advantage plans and enrollment will
increase by 5 percent in 2011, according to Medicare
Under the new health care law, payment rates to insurers who run
the programs are frozen for 2011 and significant reductions in
payments will occur in a few years, the
AP reported.
Emergency Preparedness Levels Improve: CDC
Significant improvements in public health emergency preparedness
and response capabilities have been made by state and local health
departments in recent years, says a report released Tuesday by the
U.S. Centers for Disease Control and Prevention.
For example, nearly 90 percent of states and localities have the
ability to activate and rapidly staff their emergency operations
centers for drills, exercises or real incidents.
Among the other findings:
The report also noted a number of key challenges, including
adequate funding, infrastructure and training to prepare for
outbreaks and other public health emergencies that may occur
Distracted Driving A Major Problem
Tougher laws and increased enforcement are among the measures
needed to reduce the number of fatalities caused by drivers who are
distracted by cell phones and other devices, U.S. government
officials said Tuesday at a summit on distracted driving.
"Every time someone takes their focus off the road -- even if it's just for a moment -- they put their lives and the lives of others in danger," said Transportation Secretary Ray LaHood, the Associated Press reported.
Last year, nearly 5,500 people in the U.S. were killed in
distracted driving crashes.
Currently, 30 states and the District of Columbia forbid drivers
from texting while driving and eight states prohibit drivers from
using handheld cell phones. But LaHood noted that car makers
continue to introduce in-vehicle technology that can distract
"Features that pull drivers' hands, eyes and attention away from the road are distractions," LaHood said. He plans to meet with car makers to develop new safety guidelines for technology in vehicles, the AP reported.
Being Obese Is Expensive: Study
The annual cost of being obese is $4,879 for a woman and $2,646
for a man, while the cost of being overweight is $524 for a woman
and $432 for a man, a George Washington University study released
Tuesday shows.
The totals include medical bills, lost wages and productivity
and even the need for extra gasoline, the
Associated Press reported.
One reason why being obese and overweight may be more costly for
women is because larger women earn less than skinnier women, while
men's wages aren't affected by their weight, said study co-author
and health policy professor Christine Ferguson.
When she and her colleagues also factored in lost years of life
associated with being too heavy, the annual cost of obesity
increased to $8,365 for women and $6,518 for men, the
AP reported.
The study was funded by a company that makes gastric banding, a
type of weight-loss surgery.
Many Teens Discount Dangers of Texting While Driving: Survey
Many American teens consider texting while driving to be less
dangerous than drinking and driving, even though research shows the
two can be equally serious, a survey released Monday found.
The poll of 697 teens aged 14 to 17 found that only 36 percent
strongly agreed that they could be killed if they regularly text
and drive, compared with 55 percent who believed the same thing
about drinking and driving.
The survey also found that 63 percent of the teens strongly
agreed they could get into an accident if they text and drive,
compared with 78 percent who believed the same thing about drinking
and driving.
Teens who said they never text and drive were more likely than
those who admitted to texting while driving to strongly agree they
could get into an accident if they text and drive -- 73 percent vs.
52 percent.
"Some teens still think the consequences of reaching for a cell phone are less severe than reaching for a beer bottle," Laurette Stiles, vice president of strategic resources at State Farm, said in a news release. "We have a lot of catching up to do when it comes to helping teens understand that texting while driving can be every bit as dangerous as drinking while driving. It's an awareness gap that must be addressed."
The survey was conducted by Harris Interactive for State Farm,
an insurance company.
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May 4, 2013
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OMG you guys!!!
Ethan Hawke just asked my friend Dawn for directions. it happened where the White Rabbit was hanging out!
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Canosa di Puglia
- Suited for road bikes
|4.06 km
|start height
|90 m
|end height
|225 m
|highest point
|225 m
|135 m
|distance uphill
|4.06 km
|average ascent percentage
|3.3 %
|maximum ascent percentage
|3.3 %
- Elevation: 0
Did you ride this climb/route? share your story, information or comments.The Canosa di Puglia is 4.06 km long, with its highest point at 225 m and a total of 4.06 km climbing. The average climbing on this Canosa di Puglia is 3.3%.
|start point
|Strada Statale 93, 76012 Province of Barletta-Andria-Trani, Italy
|end point
|Strada Statale 93, 76012 Province of Barletta-Andria-Trani, Italy
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text:
Stephon Tuitt has a new leader. Same as the old leader.
With respect to classic rock band The Who ("meet the new boss/same as the old boss"), that's the story with Tuitt. The rangy defensive end from Monroe Area (6-foot-5, 252 pounds) has Georgia Tech back atop his list of schools.
If you weren't paying close attention you probably never knew the Yellow Jackets were ever out of that spot. Tuitt first mentioned them to me as his leader in an interview I had with him back in late March.
But just last week, while I was on vacation down in the Gulf, Monroe Area coach Matt Fligg sent me a message on behalf of Tuitt indicating that Tuitt had decided on a final seven from his numerous offers and he had ranked them in order. I was more than a little surprised to see that Tuitt had Miami first.
"He grew up there," Fligg explained. "Always been a big fan."
The Hurricanes were slow in recognizing Tuitt's talent. They didn't offer him until earlier this spring. Nevertheless, they sprung to the top. As Fligg said, Tuitt grew up a Miami fan and always wore their colors to school when he first moved to Monroe in middle school.
But all that quickly washed away as Tuitt returned to The Flats on Saturday to attend the Yellow Jackets' Junior-Senior Camp. The day spent on campus working out with other elite prospects and interacting with the coaching staff reminded Tuitt of why he had Tech at the top to start with.
"It was wonderful down there, a beautiful day," Tuitt told me on Sunday. "I like the school and everything really. It has gotten to the point where I had to start thinking about the degree and what it would mean to have it and it's hard to beat a degree from Tech."
Tuitt said he still intends to become an orthopedic surgeon. But school officials have shown him a clear path how he can get their through the engineering school's management program.
All that said, Tuitt explained that he is not anywhere close to making a decision. He has also been to camps at Georgia and Auburn in recent weeks and he doesn't plan to make a decision until September, after which time he will have taken official visits to Miami and Notre Dame.
Following is his list of seven finalists in order of preference as it stands now with Tuitt's thoughts on each one:
So that's how it stands as of this week. We'll let you know if Tuitt's list changes and when he decides to cut it down even more.
June 16th, 2010
10:25 am
He would be a better fit at GT than Miami, well anyone would. He is a talented young man.
June 16th, 2010
10:25 am
maybe 1st
June 16th, 2010
10:33 am
make up your minds boi, this habbit of talking of leader is sickening
June 16th, 2010
10:35 am
Him having Tech as leader, is that the same as LeMay saying UGA is his leader.
Sound more like Tuitt is still not solid, got a lot to think about,hope it stays Tech but I'll give him props what ever he chooses, orthopedic surgeon is cool and great goal for the young man.
June 16th, 2010
10:36 am
Will be a good catch for Tech.
June 16th, 2010
10:37 am
DawginLex where are you? you have not mage it here to cry yet?
June 16th, 2010
10:40 am
Peake to Clemson? WOW…UGA fans thought he was next.
June 16th, 2010
10:41 am
no Peake
June 16th, 2010
10:43 am
Oh, and I love hearing more and more bigtime recruits talking
about Coach Chuck Smith at Tennessee! see-Drew and Wright.
June 16th, 2010
10:47 am
He wants to be a surgeon but he's planning on getting a management degree at tech? Go study biology or chemistry somewhere. In any case, good luck to him whatever he chooses.
June 16th, 2010
10:48 am
Peake was always going to Clemson. No surprise there.
June 16th, 2010
10:50 am
Can't get them all. Good luck at Clemson!
Tuitt may change "leaders" several times before he actually signs. If I were him, I don't think I would say a word until I was 100% sure. It's like the flavor of the month with each visit. Good luck to him.
June 16th, 2010
10:53 am
BigTimeTECHfan….LeMay is solid! He'll be at UGA. Even with his typical teenage bad choice/decision he made. He is a good kid.
June 16th, 2010
10:59 am
would be a nice pick up for Tech. But if he really wants to be an orthopedic surgeon then you cannot consider him a lock for tech. I have an ex-girlfriend who graduated tech and went onto med school, but it is easier to get in to med school when your major is pre-med, something tech noes not offer.
June 16th, 2010
11:00 am
Don't expect a Tech fan to understand Lemay's situation they never got the girl in highschool or the two gals at Tech
June 16th, 2010
11:06 am
Matthew Dawg – "LeMay is solid!"
That's what I'm asking – Is Tuitt putting Tech as leader same as LeMay's "solid" leader, I thinking not, more heavy lean.
June 16th, 2010
11:07 am
Whoa, there PI$$, you're looking a little shaky there this. Go take a quick shot and come back after the dry heaves are over…
June 16th, 2010
11:08 am
I'm not sure where you get your information, but being "pre-med" somewhere else does not give you an edge in med school. The guys I knew at Tech all got into med school who wanted to go, and they all said having a Tech degree made it easier. Of course, your point may be, "Tech is harder, and it's easier to go to another school." If that's your point, mea culpa.
June 16th, 2010
11:09 am
If he wants to be an orthopedic surgeon, he needs to go to a school that actually has a pre-med major, or at least a minor. Yech has neither. From their web site: 'Because Georgia Tech does not have a designated pre-med major or minor, it is important that you choose your classes carefully' He can get there, but the route is winding.
June 16th, 2010
11:10 am
He won't have a prob getting into med school if his grades at Tech are good.
June 16th, 2010
11:12 am
Man, hate to lose Peak if that's true.
June 16th, 2010
11:15 am
Yeah, Peake would have been nice. What do we have now, 3 receivers in 2011 committed already?
June 16th, 2010
11:16 am
Many Atlanta area doctors did thier undergrad at Tech including Rep Phil Gingrey.
June 16th, 2010
11:22 am
Typical fan rant: "Our biology is better than your biology."
That's a refreshing change.
June 16th, 2010
11:27 am
welcome to the flats darren….love a 6′5 DB!!
Go Jackets!!
June 16th, 2010
11:39 am
Undergraduate major doesnt matter getting into medical school, a fair number of the people I entered with studied programs non-premed. A good number of them came from Tech also, but more came from UGA
The fact that he plays college football will look good on his CV.
June 16th, 2010
11:40 am
A 6′5" 252 lb DB? I sure hope thats what he'll play on the flats. We certainly could use him at defensive END over here…
June 16th, 2010
11:41 am
It's just coaches lying to these kids to get them to commit to their schools
June 16th, 2010
11:44 am
1. Tuitt will probably end up at Miami. Hate to be a pessimist, but if he's from Miami and a big fan, I see no reason why he will not flip-flop back to Coral Gables.
2. The talk over majors offered is silly in this case. "Pre-Med" is not a major offered by ANYONE.
People who go "pre-med" major in a certain science, usually Biology or Chemistry, but must take a certain courseload of prerequisites to gain admission into medical school. It is something along the lines of Bio 1 & 2, Chem 1 & 2, Physics 1 & 2, Organic Chemistry, Molecular Biology, and a few others.
You can technically major in Sociology, but if you take the prerequisites for medical school, you are in the "pre-med" route.
June 16th, 2010
11:46 am
Where did the article state that Waller weighed 252 lbs?
Looks like (6-5, 205) to me.
June 16th, 2010
11:58 am
Tuitt is a great "get" for GT if they can close the deal.
Peake has always favored Clemson, made several unofficial visits, but it would be nice to have him at UGA. Lemay has been trying, but don't think he'll be able to talk him out of this.
June 16th, 2010
12:09 pm
Tuitt is not much of a suprise, and that he "reannounced" his leader for the second time, i would just wait and see on signing day for that one. Sounds like he's heavy GT, heavy U, but could easily be swayed by Kelly and the Irish. Congrats on the 6′5″ DB, b/c if he is truly that tall, with any talent at all, he will wreak havoc on inexperienced wr's as a fesh or soph.I can't wait until sept. 4th..
June 16th, 2010
12:14 pm
Stephon's team at Monroe Co. won 2 games in the last 2 years… That's good for the kid, he's used to losing so he will not be too disappointed losing games at GT as the jackets circle the drain the next few years with manboobs recruits…..Paul…($7.1million or STFU…LMMFAO)
June 16th, 2010
12:17 pm
Good luck Stephon and hope to see you on the Flats. Al Groh is a top notch nfl experienced DC.
June 16th, 2010
12:23 pm
al-groh is currently looking for his AARP card, thats why your first team defense gave up so many points and yards to a 'backup filled' first string offense at your t day game. I think it was lost in the move, after he was FIRED from his last coaching job, which he over-stayed his welcome a couple years. My, if anyone sounds like a top notch coach, its gotta be him. Or maybe Derrick Dooley, UT new coach, who couldn't manage a winning record in div.1 AA. Yeah great coaches indeed.
June 16th, 2010
12:32 pm
Al Groh's defense at Virginia finished worse than Tech's last year.
June 16th, 2010
12:37 pm
BigtimeTECHfan…..I see your point. But, LeMay said that he is going to UGA. If UGA were to get rid of Coach Richt or others then he would "re-evalute" his decision. I don't think CMR is going anywhere. That is why I say he is solid. He isn't talking about different school like Tuitt has done and still seems to be doing. That is why I would question the "leader" right now.
June 16th, 2010
12:46 pm
who cares
June 16th, 2010
12:48 pm
enough already
June 16th, 2010
12:50 pm
This Tuitt situation is almost comical. The young man says he wants to become an ortho surgeon. GT says they've mapped out a way for him to go through their Managemnt program. That's goofy. If the young man wants to go to Medical school, is he not aware of the soon to have its first entering class University of Georgia Medical School in Athens? Why wouldn't he attend a Univ with degrees in Biology as well as other related science degrees, and be well prepared for Med School? Why would he go through GT's Management program and earn a degree in Textiles, or Motel Management, or such, vs Georgia, Miami, Alabama, Notre DAme? At least he should be forthcoming, he simply likes GT better and looks forward to playing in front of those big Thurs night crowds and 'ol Fish Fry Johnson.
June 16th, 2010
12:55 pm
he as the perfect name — tuitt. as in 'i'll get around tuitt.' don't jump on the bandwagon yet, tasty bees.
June 16th, 2010
12:58 pm
Bigtimetechfan where have you seen Lemay wavering? Tuitt is a good one, for tech "if".
June 16th, 2010
12:58 pm
Hey people, BigtimeTECHfan knows LeMay is solid!!!!!!!!!! He was asking if Tuitt was. Read!!!!!!!!!!!!!!!!!!!
June 16th, 2010
1:03 pm
GT most definitely has degrees in biology and 'other related science degrees.' Do you really think we could produce some of the world's top notch engineers without having high competency in all of the sciences? Idiot. And why wouldn't he want to go to the uga medical school that's opening? My guess is that, if it's like most of the colleges at uga, it will suck. He can go to GT where nearly all of our degrees, both engineering and non-engineering, are near the top in the country. It doesn't matter what you get your degree in as long as you take the pre-med courses. Top 30 management program, completely unproven pre-med school. Fairly obvious choice.
June 16th, 2010
1:04 pm
Chip???? You are actually reporting on Tech recruits? And, it is positive news? Are you feeling okay?
June 16th, 2010
1:06 pm
@Captain – You are a goofball. GA Tech does have a degree in Biology. There is also Bio-engineering as well as other degrees offered at GA Tech.
In addition, GA Tech has more med school applicants ACCEPTED to med school than any other in the state. Ya think that might have something to do with it?
Educate thyself!
June 16th, 2010
1:06 pm
Thanks for all the class exhibited by UGA fans in the recent posts.
Yes, Groh is old and was fired as head coach of UVA. Wasn't Grantham fired as defensive coordinator of the Browns?
Yes, Paul Johnson is overweight. Have you seen Grantham lately?
Just stick to the topic…we don't need another daily "our school is better" shouting match.
June 16th, 2010
1:12 pm
Because Captain…as its been previously stated…it does not matter where or what you learn during undergrad as long as you meet pre med requirements and get a good enough score on the MCAT. The same is true for anyone pursing law, dentistry or pharmacy. Getting a high GPA is way more important than where you get the degree or what the degree is in. GT's management college is has a lot of pre-med and pre law students….mainly because it easier to maintain a high GPA when compared with engineering…but its still pretty hard. Tuitt will take Chemistry and Calculus if he wants to do pre med…good luck to him! GT's management school is ranked in the top 25…just saying.
June 16th, 2010
1:14 pm
Tech offers biology, right? If that's so, then he could definitely get into med school via GT. As for who he signs with, I think academics will play a huge role with this kid. look at his top 3-4 choices (depending on how you view UGA, which is a good school). I would love for him to commit to the Dogs, but this looks like an ACC battle. I say UGA should put more focus into Drew, Dickson, and Wright if this is the case with him. Good luck to Tuitt in his decision.
June 16th, 2010
1:16 pm
dougdawg – 'tuitt. as in 'i'll get around tuitt.'
Haha doug…thats a solid post. Kudos.
Hope he comes to tech, we need a few kids of his calibor, they certainly see the field quick when the get here ala Derrick Morgan, Morgan Burrnett, Nesbitt, and Dwyer were all recruited similarly to this kid.


text:
Moms take note: Those cherished sippies, bottles, and binkies could be dangerous, according to a new study published in the journal Pediatrics.
It seems kids who cruise around the the house with these time-tested soothers in their mouths are ending up in the emergency room.
Researchers at the Nationwide Children's Hospital and Ohio State University combed through ER records and found that 45,398 children were rushed to the hospital with injuries caused by bottles, sippy cups and pacifiers between 1991 and 2010.
That's nearly 2,300 cases a year of lacerations to the mouth, cuts and bruises on the lip or tongue and chipped teeth. Baby bottles were the biggest offenders, making up 65.8% of the cases and newly cruising one-year-olds accounted for two-thirds of the injuries.
This should give parents a whole new perspective on the notion of baby-proofing. Plug up the electric sockets, latch commodes and cabinets but also be aware of the surprising dangers of sippy cups. Of course there are plenty of hazards that are impossible to avoid, especially if you have a rambunctious boy who scales bookshelves and kitchen islands a la Spiderman. You can't swath them in bubble wrap (I've tried) and they are way to smart to be sequestered by a baby gate (my son had that figured out by 18 months). But responsible parents do what they can to ward off those awful ER visits, even if that means parting with a beloved binky earlier than planned.
Most of those reported boo-boos occurred when children tumbled with the item in their mouths, so the solution is simple: tots should sit while they sip and parents need to break the bottle and paci habit before kids start cruising. Yes, there will be tears of protest, but getting stitches at an overcrowded ER is a heck of a lot worse for everyone to endure in the end. Point is, it's okay for a parent to be a little paranoid and act on it. It's the responsible thing to do.
Should kids be allowed to keep their bottles and binkies?
Image via Just Taken Pics/Flickr
Oh God. EVERYTHING is a hazard to our porcelain doll children. Are people paid to write these ridiculous stories?
Yes they should be allowed. When my daughter has a sippy of milk, she sits on the couch with me or in her high chair. She only gets a paci at night, not even for naps. Taking everything away from a child is not the answer, supervision is.
Oh, and being "paranoid" does not equal being "responsible". In fact, being as paranoid as this article is urging parents to be can be downright dentrimental to your child's development. Honestly, is just any person allowed to give out parenting advice?
Parents: Do what you feel is best for your kid. Don't be guilted into being paranoid.
eyeroll* being paranoid, isn't being responsible. Taking away your childs everything isn't going to help, everything is a hazard when your a baby, but its rare that a very serious accident happen from a binky.
Hazards are everywhere, it's a part of life.
be responsible, supervise your child at ALL times, that is the best baby proofing.
eye's on the baby and off the iphone.
^ I'm with them.
So how come my kids ran around with bottles, sippies, and pacifiers and never got hurt? I'm sure my kids weren't indestructible and they fell as often as other kids fell so what did I do differently?


text:
Industry News & NewProducts Weekly Update
We specialize in TV Converters & Receivers with expert advice, large in-stock inventory and a high level of customer service. We answer your questions by teaching you with our custom video content created by our writing and production team with a weekly video on TV Converters & Receivers. Markertek sets the standard for education and the very best customer service in the broadcasting Industry.
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Let your monitor do double-duty! This small sleek box can let you watch TV on your CRT/LCD or any VGA Monitors. Enjoy high-quality viewing pleas...
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Steren 203-250 TV/PC Converter/Tuner
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Converts composite v...
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☆ reblog to be a star ☆
must be following duskmist and reblogs only please!
okay so every two weeks I'm going to choose a star (featured blog). they will have a link on my blog until I choose my next star! I will create a pop up page for them, which will have a picture of their blog, archive and a short description of their blog.
my blog gets 700+ views a day, so this blog will be sure to gain tons! I will also offer to create a unique and personalized theme for each and every one of my stars.
I will also offer tips for my stars although they probably won't need them, since I will be choosing blogs that I think are flawless and unique. I will mainly choose blogs that are similar to mine (modern, architectural, serene, indie, fashion, boho) but if your blog catches my eye then you could be a star too! I will pick based on blog that are clean and unique.
Everyone has an equal chance, since I will go through each blog and hand pick my favourite, this blog will be my very first star.
☆ Choosing in one week ☆
Bonne chance mes belles étoiles,59 notes


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Product Categories>Audio Equipment>Wireless Audio Transmitter
Do you have Questions about the Audio Technica ATW-T341 Handheld Mic w/200 Ch UHF Trans.?
Click here and ask away or call us at 800-522-2025.
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Since my favourite sporting event, Wimbledon, is almost upon us, now seems like the perfect time for me to mention the special limited edition version of Lacoste's Eau de Lacoste L.12.12 Blanc fragrance. Although the fragrances in the ever-expanding L.12.12 range have always referenced the famous Lacoste polo shirt in the packaging this is the first time that the tennis association has really been referenced overtly, with the clean, white packaging brought to life with touches of eye-catching tennis ball yellow. I've always loved the understated simplicity of both the bottles and the boxes that house the L.12.12 fragrances and, unlike many limited editions, the changes in this particular edition only serve (if you'll excuse the pun) to make it look even better.
Lacoste's Limited Edition L.12.12. fragrance hits the right spot
16 Monday Jun 2014
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The Technology Chronicles
News and views from the digital frontier.
Posts filtered on Category
Most consider tech industry good for San Francisco, study says
The San Francisco economy is thriving under the current tech boom, though residents' opinions of those involved in tech are still varied, according to a new study. The survey, commissioned by Bloomberg Philanthropies and conducted by Boston Consulting Group, interviewed 30 industry leaders and surveyed 619 San Francisco residents to track their thoughts on […] [Read More]
Artists: We've been thrown under the tech buses
So many things are wrong with this picture, apparently. Mission Local, a Mission District blog associated with the UC Berkeley School of Journalism, held a contest late last year to turn tech buses into art for a $500 prize. Then, in December, Genentech said it would wrap a bus with one of the entries. Many […] [Read More]
New Genentech bus ads: removes "120 cars" every day
Genentech's buses have a new look, and it's one that's trying to win you over. The South San Francisco biotech firm is one of the more visible companies that buses its employees from San Francisco to its campus. It was one of the first to start busing in 2006, and — as opposed to its […] [Read More]


text:
It's Late
by Nico
Canvas Print
Fine art print on bright white, fine poly-cotton blend, matte canvas using latest generation Epson archival inks. Individually trimmed and hand stretched museum wrap over 1-1/2" deep wood stretcher bars. Includes wall hanging hardware.
Night owl drawing created with soft pastels on paper.
- 7Promote


text:
Brookhaven, PAUSA
Hometown: Horsham
January 18, 2011
I love being active! Wanted to find other people locally who like doing sporty activites.
No answer yet
Tracey, great job with the ride today, also how can I get a copy of the photo of me that was taken ?
Hello, yes we need to do lunch at the club. Hope you join my meet up. Philly Costume Ball Group xoxo
Hi Tracey, I am hosting a softball event on November 12, I would love for you to join us. Check it out.
Thanks for hosting us last night. Wii drums killed it as usual.
Will you all email me your address ... I have a gps. Thank you ... looking foward to meeting a new bunch of people. Thanks again. Maureen
I will bring two tommato pies for Saturday night. Maureen
Hi Tracey! i would like to join you all for game night on the 21st but I see there is a waiting list. If a spot should be made available, please let me know and let me know what I may bring. I would like to get to know out group as you don't get that opportunity when your playing volleyball.
Hi Tracey,
Got your address. Could I bring chips and pretzels?
Hi Tracy can you email me your address? Look forward to coming.
Saturday sounds great. Will write about something to bring, etc.
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The IHR offers a broad range of Research Training courses. For full listings and information visit the IHR Research Training section, http://www.history.ac.uk/research-training
But as you're here, below are some quick links to the online course materials available on our Moodle site.
For the complete list of all our Research Training courses Browse the IHR Research Training section.
Our seminar and event postcasts have now moved to the podcasts section of IHR website. http://www.history.ac.uk/podcasts


text:
Review Train (Canon S95, Nikon P7000, pixel-peeping, etc)
We have back-to-back Review Round-ups! With Photokina out of the way, review sites are back to the regular camera reviewing schedule! We already had a lot of RAWsumer action yesterday, but there is more today!
We start with the Canon S95, where dpreview has published a new gallery of sample pictures taken with the camera. Meanwhile, The Online Photographer has a conversational review of the camera. Meanwhile, Japanese website DC Watch has published some real world full-size pictures taken with the Canon G12.
On the Nikon side of the aisle, a new review of the latest Canon G-series model is out at Photography Blog. It is called the Nikon Coolpix P7000 ;-)
Staying with Nikon but moving to DSLRs, the on-going review of the D3100 continues at Art of The Image, with new blog-posts added on a regular basis.
It's not the sound of silence, it is the sound of shutters clicking in burst mode! It is a freestyle rap battle between the D7000 and the D300s - see it via Foto Actualidad.
Fotopolis.pl has a color-chart ISO comparison taken with the Olympus E-5, going from 100 to 6400, followed by real-world samples.
On the mirrorless front, there is an ISO comparison between the Panasonic G2, G10 and the Canon D-Rebel T2i/550D in the Panasonic G10 report at Photography Bay. Full-size samples from the comparison are available for evaluation purposes. The Ricoh KR-5SuperII models for the test.
Lightning round
+ byte-size Sigma SD15 review at Pocket Lint
+ Nikon Coolpix S5100 express review at NeoCamera
+ Olympus FE-5050 at Trustworthy Reviews
+ lens reviews at the Lens Reviews Diary