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Ask the Readers: When Is It Okay to Spend Your Savings?
Published on - January 16th, 2009 (by J.D. Roth)
Amanda wrote with a question this week that I think many GRS readers can relate to: When is it okay to spend your savings?
My husband is currently unemployed so we're just living on my salary, but at least we don't have to pay for child care. However, we are spending more than we make. We had a fair amount stashed away from savings and some inheritance, and we've been dipping into this to help pay for things like:
- Remodeling the house (my husband is doing all the work)
- Health care
- Sometimes even basic expenses
We haven't been extravagant, and we have cut back on costs, but I wonder if we're doing the right thing. If we didn't have savings, the answer would be simple: don't spend more than we make. But since we do have savings…I'm left with a lot of question marks.
When do we decide that even important expenditures are just too much and not worth spending our savings on? I'm thinking of things like health care, dental work, eating organic, cell phones. I would very much appreciate advice!
This question gets to the heart of many personal finance decisions. Ultimately, money is a tool. It's used to buy safety and happiness. The challenge is knowing when to use it — and when to keep it. Here are a couple of questions I would ask myself if I were in Amanda's shoes:
- What are the savings for? That is, when that money was set aside, what was its intended purpose? If it was meant as a protective buffer, as an emergency savings account, then it could be a mistake to spend it on non-essentials.
- How long is her husband expected to be unemployed? How easy will it be for him to find work? Is he actively pursuing a new job? An economy like this — with growing unemployment — would make me nervous. But if he believes he can find work again, it probably doesn't hurt to spend a bit of savings.
You cannot spend more than you earn forever. If you do, you end up like I did — deep in debt. Without some plan or a set of goals, it's easy to just keep spending.
Because of this, I think that Amanda and her husband should establish some clear goals. It's not necessarily wrong to use savings to remodel the house or to eat organic — if these actions are helping them pursue their dreams, and they can afford to do it. But if by spending their savings they find themselves moving away from their objectives, it's time to re-evaluate the spending.
What advice can you offer Amanda? What would you do in her position, where you had savings, but were dipping into them temporarily to fund your lifestyle? Would you be worried? Why or why not? If you have savings, is it okay to spend more than you make? For how long?
This article is about Ask the Readers, Budgeting, Choices, Planning, Real-Life
There was a mantra which I learned in Mexico, "never withdraw from your savings, ever, no matter what". I have taken that to heart and have not one single transaction in my savings account other than deposit.
I make it a point to only spend recently earned money. Dipping into savings means you're spending more than you make. It is not sustainable because it will run out eventually.
The only part of savings which might be acceptable to spend in financial hardship would be the monthly interest, since that is new income.
I would wait till crossing the point of having more income then expenses, even if you have to do it with with one income.
I don't take to much stock in them, but economic forecasts aren't pretty. Depending on what the savings is invested in, it will dwindle anyways in the next few months.
I can understand the logic of remodeling the house while unemployed, since that's when your husband would have the time to devote to the remodeling effort. But with the economy in the state its in, I think I'd make sure to allow a YEAR to find a job. If your savings won't last a year at your current spending rate, I'd change direction.
I have to say that it's a juggle when you're going into your savings to avoid making the sacrifices that others feel you should be making, i.e. remodeling, etc. Everyone has options, and it's up to you to make those decisions for yourself. I've been there myself years ago and hot dogs with mac/cheese 3-4 days in a row isn't the ideal option to take, but I kept my eye on the prize nonetheless. Decide what's best for you and stick with it.
For me, if expenses are greater than income, I'm not going to be comfortable with the situation. Unless there's reason to think that the reader's husband will be finding a job soon, I'd start cutting back anywhere and everywhere.
Your savings should help you when you need it. Your savings is not for everyday expenses like 'eating organic' and cell phones. You need to have those things built into your budget. If you cannot afford those kind of recurring expenses, you need to figure out how to cut them. As for healthcare and dental, if they are unexpected expenses, this could be appropriate. Remodeling the house can be done anytime. Why spend unnecessary money when you are unemployed in a recession? It just depends on how comfortable you are with depleting your safety cushion.
Unless I knew that the reduced income was a temporary situation that would definitely be resolved before the money was gone, I would not spend like that. Because it sounds like you are tapping your emergency fund, so how will you be prepared for actual emergencies? What about when your car breaks down or crashes, or god forbid some huge medical bill? I think you would regret using your savings to pay for things like organic groceries at that point. You don't want to end up tapping a credit card or loan that you wouldn't have needed otherwise. When you are financially secure and not spending more than you are earning, that is the time to save the funds designated for a home remodeling job, and then spend it as such. As JD points out, if you had a budget for the remodeling project, and you saved money specifically for that, then this question doesn't come up. You would also have an emergency fund saved that covers all your typical expenses such as phone bills, groceries, etc. for a very conservative estimate of how long it could take to find a job. (i.e. if you think it will take 1 month, save up 3 months)
I love this site, but I get tired of reading the same "liberal" junk. Saving money to "eat organic". Who are these people and where do they come from? I don't know if they are trying to impress people by what they consume but it's annoying.
If hubby is good at remodeling work, instead of fixing your own house he ought to see if he can't get paid to fix other homes. With all of the foreclosures out there, perhaps he could get some work getting them ready for resale.
Even if I had saved specifically for the purpose of remodeling and an emergency fund, I would put those plans on hold. While he seems to have extra time to do this work now, he needs to focus on getting to work.
If my monthly expenses cannot be covered by current income, then I would do everything I can to reduce that deficit. Switch cell phone to pay as you go, or dump it. Discretionary medical/dental expenses get put on hold. Organic groceries get replaced with Angel Food Ministries purchases AND if at all possible home grown – many communities have garden plots available for their residents.
No one knows how long hubby will be unemployed or underemployed.
I simply must agree with JD and some of the other comments. The answer to this question is really "mu", because the question is wrong.
It's OK to spend your savings, when you have it budgeted out to spend from your savings. If you were planning on remodeling the house anyway and were saving for it, then by all means continue to use those specific savings to remodel. If you are remodeling because your husband is bored at home and figured it would be a good idea, then you are spending money set aside for something else, and that is bad.
I think the key is to know exactly what the objective is for each dollar of your savings. This is why JD finds ING subaccounts so useful… They easily compartmentalize savings into specific objectives. I myself have a "flow" system, as discussed in the forums:
Without this, you will find yourself dipping into savings without first justifying it. Things like this will happen: "Well, we have always wanted that new TV, and we have enough in savings… Let's get it."
Luckily, you can still go back now and budget the money in your savings. That will then answer any and all questions related to spending that savings on specific items.
In my opinion, I would be trying to get my recurring expenses down to the level where it could be sustained without dipping in to savings. In terms of the specific situation that Amanda is asking about, there's not enough information to really give a meaningful opinion. We don't know the level of savings, the outlook for her husband's job search, or the amounts being withdrawn. On a general level, I'd avoid spending that money on "luxuries" like organic foods or decorative remodeling. Assuming that it was a low percentage of the overall savings, I would probably use some money for remodeling that fixes any costly problem with the house. Health care is a gray zone. If my husband and I had no kids and were very healthy, I would probably choose to gamble having no insurance, rather than pay the awful COBRA fees. If we had any type of chronic or recurring condition, I'd obviously keep the insurance active.
Great comment about remodeling for other people – right now the remodeling market is stronger than a lot of markets because people can't afford to sell their home at a loss.
I would pretend you didn't have savings and live accordingly. Medical bills? Those you need to pay. Cell phone? If you are convinced you need one, go with a pay as you go, or consider dropping the land land. Cable? Gone. Home remodeling? No, unless it just involves $5 oops paint from Home Depot.
Even though you aren't getting into the debt hole due to your savings, you now have a savings hole that you need to rebuild. Cut out non-essentials and focus efforts on the job search or a part-time job that is at night (I know there are child care issues).
I think there are too many factors we don't know about to make judgements about Amanda's situation.
Personally, I consider health insurance an absolute requirement and yes, I dipped into my savings to pay for an out-of-pocket plan back before I was covered by my current job. I'd also cover dental work — doing dental work early prevents much more expensive work down the line. (I once took an archaeology class where the main takeaway was Take Care Of Your Teeth. A disturbing number of people in pre-antiquity died of complications from absessed teeth.)
There may be ways to compromise on other expenses without giving things up entirely. If a cell phone is necessary because of emergencies, a pre-paid phone may be enough. And there are places to save on organic groceries — Trader Joe's in particular is great.
I would put off remodelling until there are two incomes and your savings have been beefed up again. Often remodelling projects don't go exactly as planned and come in over budget. Unless the home is not safe or livable, it is not a necessity.
Heathcare (including dental), a roof over your head and groceries are necessities; if you can't pay for these items one one income alone, then using savings may be necessary.
Dip into savings as little as possible unless you know for sure how long he will be out of work – the savings will need to last and you will need to replace what you have used when he is working again.
Time to revisit your wants vs. your needs and be brutal.
Seriously, if someone is laid off, what are they doing spending money remodeling the house? That is certainly not survival mode. Plus, to dip into savings to do it is very poor judgment. Instead of spending time and money remodeling the house, the focus should be time and money spent on printing resumes and looking for a new job.
I can relate to Amanda's question as I have been living off my savings on for the last year. I am single and 35 with no children. I have saved and an inheritance so I have money stashed away.
I think J.D. has asked the right question here, what is the long time goals.
In my case I wanted to finish a Ph.D. It usually takes 4 years, but I have used 5 so far. So for most of the last year I have been mostly living off savings. It was scary going without a pay-check but it has worked out very well.
My goal has been to pursue my dreams, and it has worked out very well. I took 2 months off my Ph.D. this summer to work for my parents on their house (and to earn more money), and now I have gotten 3 months extra funding to finish my work. So now the completion of my goal is in sight.
@Ed–"I love this site, but I get tired of reading the same 'liberal' junk. Saving money to 'eat organic'." I'M NOT LIBERAL, AND I EAT ORGANIC. "Who are these people and where do they come from?" I COME FROM TEXAS. "I don't know if they are trying to impress people by what they consume but it's annoying." I'M NOT TRYING TO IMPRESS YOU, AND I'M SO SORRY IF YOU ARE ANNOYED THAT I SHOP AT FARMERS' MARKETS.
Sound like you have some issues, there.
Anyway, back to the actual topic of the post, I think JD is right about considering your husband's job prospects. Is he actively searching and getting good prospects, calls for interviews, etc.? What is the demand like for a job in his field? What is the local economy like?
I would take a look at where you spend your money each month and categorize the areas by importance. For me, the most important expenses are food, shelter, basic utilities, and healthcare. If it was me, I'd continue eating organic, since you brought that up, but I know my husband and I eat a lot of "fancy" foods that we could cut if needed…artisan cheeses, wine, etc. We could eat meat less often, and cook more rice and beans.
Then next in line might be other bills–cell phones, Netflix, etc.–things we can live without.
If money was running low, I'd start cutting at the bottom of my list and move up.
It's hard to give advice, though, since I don't know how long your savings will last or what your husband does for a living. Also, if you're using emergency fund money to remodel, I'd really reconsider. It's nice that he has the time for the project, but money is money, and in your situation it'd make me nervous.
Remodeling, if the hubby is doing the work, may not be a bad idea. Some remodeling can be done for very little money. When he starts working again he may not have time to do this work and hiring someone may cost more than his/your hourly wage – so it would be more beneficial for him to do it.
I have a friend whose husband does seasonal work – usually in the winter. From June to September he works on their house doing things that need to be done. They save a lot of money this way eventhough he isn't bringing in income.
Also, I don't get why so many consider healthcare to be optional. After basic food and shelter, it's the most important thing you could buy. One accident, one diagnosis, and you could be in hundreds of thousands of dollars of debt, possibly with ongoing medical bills.
I would cut back almost every other expense if it meant keeping health insurance.
I agree with AD. You can be perfectly healthy and still get hit by an uninsured driver while you're crossing the street. Health care is crucial.
Not knowing enough about your situation (amount of savings, scope of remodeling projects), it's hard to provide specific recommendations. If you're living on the edge, then the stark "don't spend you're savings" might be right. If you've both been working and saving for years without a hiccup in earnings, and this is the "rainy day" you've long prepared for, then this is the time to intelligently and strategically use your savings.
I'd suggest that you get your basic expenses (including health care) in line with your current income. If you haven't already, I would also suggest increasing your take-home pay by increasing tax withholdings and reducing retirement contributions (401(k) or whatever), at least temporarily. Given that you don't know how long your current situation will last, it would be good to get out of negative cash flow on the predictable stuff, to make your savings last longer.
However, maybe you and DH have been planning and saving to remodel for a long time, and have a sizable savings account dedicated to that, in addition to your emergency fund. If that's the case, and you aren't in negative cash flow, I don't see a problem with DH doing the work while he's home. It's nice to accomplish something concrete during a job hunt/household management gig (which is a neverending cycle of half-finished tasks). Sanity is worth something too.
Good luck!
We are in a temporary financial bind carrying two mortgages while (our property manager is) looking for a renter for a house we own in another state. I am a SAHM and my husband's job is secure in the Air Force. It is a monthly challenge to not dip into savings.
*I stopped buying organic.
*All house/renovation projects are on hold.
*I severely curtailed the kids' activities.
*We don't eat out as a family, ever. (My husband occasionally does for lunch.)
*We don't order out family meals, not even pizza.
Our "splurges" are cable — love my DVR! And we will record shows we love and watching them is a "date" after the kids are in bed.
I do go out "with the ladies" once a month for dinner. That is my special treat I factor into the budget and is my reward for keeping to a grocery budget (using coupons, utilizing leftovers, and MEAL PLANNING – very crucial).
We tried to change/get rid of some cell phone service but we are still bound by the initial contract we signed up for when we moved here less than two years ago.
To me, healthcare trumps house projects, hands-down. Especially routine dental, etc, for the kids.
We are definitely feeling the strain now four months after our last tenants had to move out; but I tell my husband so long as we are still able to contribute to his 401k (TSP in the military) then we are not at all hard-up. Before we stopped that contribution I would get a part-time job, if I could find one with hours that did not require me to need childcare.
In the generic case, I think you've hidden the keyword in plain sight: Lifestyle. Unless your lifestyle is attached to your income (as it is in a few select cases), I cannot think of a good reason to spend savings on lifestyle.
As for Amanda's specific case, unless the home remodel is with the intent of selling the home within a short time, that project is no longer a "need" but a "want" and should be deferred.
It sounds like the husband and wife are not in agreement, with the wife questioning. My two cents — the last thing I would be taking $ out of my savings account in today's economy, would be for remodeling and organic food. Foreclosure filings were up 81% in 2008 – that's 1 out of 54 homes went into foreclosure last year, with even more expected this year! With a spouse out of work, you want to focus on needs and not wants. Recently I had a root canal done to the tune of $1,100. That is a need. I would advise that the husband and wife determine together at what amount do they want to keep in their savings account/emergency fund. I say this because we don't know how much is in there. And then when they reach that amount, to quit withdrawing funds. Otherwise, you run the risk of depleting it over time with this type of foolhardy spending. And then what are you going to do? Start charging things and maxing out credit cards? And then what are you going to do?
I think that dipping into the savings is a really bad idea unless it is for truly unexpected things. I did have to have an unexpected crown and subsequent root canal last year to the tune of nearly $1000. I did take out some money from savings for that. But I would NEVER take out savings for groceries or my cell phone bill. I don't know what would be worse: charging them on a credit card and paying interest on it or taking out money like you have done so that you lose money on the interest. I also don't see the point in renovating right now unless you have dangerous or hazardous things in your house that need fixing.
You can eat really healthy yet inexpensively. Only buy foods organically that are known to require a lot of pesticides (that list is widely available online). Eat less meat and more beans. There needs to be a balance and buying everything organic seems overkill. My area has a food salvage store that sells organic brands ridiculously cheap. Maybe your area does too.
If for some reason you lose your job, you are going to soon find that all the stuff you thought was necessary really isn't.
I hope I never am in this situation, but we have stored away 3 to 4 months of LIVING expences. We keep a good budget so it was easy for me to see what we need to live on. I hate the thought of EVER spending it (I am a hoarder of sorts when it comes to savings) but you need money for insurance; car and health. You need to eat, you need to keep the room over your head, and you need water and power in your house. Cable you dont need. Internet may need to be borrowed for the time being. Drop the home phone, use cell only. Or (and I dont know if they still do this) I used to work for a cell phone company. We had a plan we put customers on who fell on hard times. It was like 10 bucks a month and offered no minutes. It allowed them to keep the cell phone, not get hit with a contract break pentalty, and they could change their plan back when they got back on their feet. Dump cable for sure. If you must need entertainment, get a netflix account. We are hooked.
At first blush, remodeling seems like a silly expense to take out of savings. However, a long stint of unemployment gives a rare opportunity for a normally fully employed adult: time. However it also costs money to pay for tools and supplies. Perhaps a good approach would be to make up a list of the remodeling tasks that need to be required, and tackle tasks that require a lot of time and not a lot of money to complete, and delay the more expensive tasks till later.
Having something to do besides looking for a job is key to maintaining sanity. Spending a few hours in the morning on a job search and spending the afternoon on renovations could be useful.
As for things like cell phones, eating organic and so on, switch to a prepaid plan (or cancel), and (gasp) buy conventional. Or, if you want to keep the organic, drop some convenience foods and have hubby use his ample time to make more things from more basic ingredients.
However, without a detailed full list of expenses, there is no way to tell what's really going to get cut.
And, of course, if you aren't doing a monthly budget and sticking to it, you should start doing one.
Amanda doesn't say if they were in the middle of a remodel or not when her husband lost his job. If not, I wouldn't be spending money on one right now. However, if they were already in the middle of one and there's a wall missing…hmmm, I might think spending that money was a good idea. If they are now saving the childcare expenses by his being home and he is drawing unemployment, they shouldn't have to be dipping into their savings unless they were already living above their means. Cutting back on just a few things should allow them to "balance the books" so to speak. Amanda and her husband should sit down and evaluate their situation, decide what their goal is short term and long term, and make a plan. It's tough, but it can be done.
My husband retired from the military 10 yrs ago and we took a HUGE paycut. He got his military retirement pay and worked for $7 an hour. Ouch! Luckily, we had savings and no debt. We only used the savings for purchasing our home and some furniture. We made a 2 year and a five year plan and saw them through. 10 years later my husband is working at a good paying job and we have set new goals.
I don't know the particulars of Amanda's situation, so I won't weigh in with advice. I would like to say, hang in there! Things will get better. Eventually, your husband will find work. Be as frugal as possible and remember to prepare for this when you're back on top.
What is the worst case scenario here? Is her job secure? What if she loses her job as well? In this economy, anything is possible. How quickly can hubby find a new job? Do they have a mortgage? In the event of worst case scenario, can they trade in their remodeling to make the house payment if they need to? Or is the remodeling putting the house itself in financial jeopardy by spending future house payments? After answering all of these questions, she needs to ask herself if she will have peace with using the savings for cellphones, organic food, and remodeling in the event of worst case scenario? Would she look back and feel good about the steps she's taking to take care of her family? Or would she look back and see financial pride, arrogance and stupidity? (nothing personal. I'm living with the consequences of it myself. Assuming it will always get better than it is now so I can spend and I won't get burned. Ha. Foolishness and rubbish.) Time and harsh circumstances tend to bring great clarity to our priorities. Things we think we HAVE to have suddenly become less important in light of true essentials. Does her family NEED the remodeling done NOW or are there other things that are more important? Is remodeling the best use of her husband's time? Is unemployment a valid reason to live beyond her means? Are there ever legitimate reasons to live beyond our means?
I agree that we don't know all of the facts. My response to many of you folks who say she shouldn't do the remodeling is that you folks are all contributing to our harsh economic times. If we all clam up and don't spend our money, how will our nation escape these troubled times. Yes, please save money and live frugally, but at the same time, spend and help boost our economy.
My husband and I are in a similar situation, except that when he was laid off we had about $30 in savings. By cutting our non-essentials and saving every extra dollar we had (or gifts from family over the holidays) we have been able to put almost $500 in our savings account until we need it. I would feel irresponsible spending the money on remodeling if you are also taking money out for essentials. I have to admit that we haven't had to dip into our savings…yet. We may need to to pay the deficit in our bills (which is very small) for the next few months while hubby finds a job. But we are definitely not using that money for anything else as we have worked really hard to get it there in the first place.
I don't know Amanda's situation, but I wouldn't take money out of savings for anything other than essentials (whatever she feels those are) until there is another income coming to pay back to the savings acct what you are taking out. That is just me.
There is not enough information here or as another poster said mu! : ).
Map out what part of your savings are emergency savings. Do not touch that money! As most will advice, in this economy better to make that a larger versus smaller cushion. Then decide what you are dedicating the rest to. Unlike some others, I don't think that remodeling is that bad of a thing to be spending money on if it was planned, your husband has the time and it can save money in the long term. If you do want to dip into savings for miscellaneous "lifestyle" things, make it a set amount. Once it is gone do not take any more from savings. After that you will either need to rebudget how you spend, earn more money or both because you don't want to be in a situation where month in and month out you are living beyond your means.
The first thing I'd do if my husband got laid off is go to the generic no-name brand grocery store, not to the savings account to buy organic foods!
I suppose that perhaps this is better than if she was charging it all to credit cards. Or taking out a home improvement loan. Not that a bank would make a loan right after the lay off.
I would say complete current home improvement projects with a frugal eye to the budget, and a priority chunk of his time on job-hunting.
Is he able to job-hunt when he is watching the children? Because if he is stuck at home while she's at work, then he probably needs the home improvement project to keep him busy. If he can't be out interviewing or completing applications, then he'd be stuck with at-home options including phone interviews (dangerous with screaming kids in the background) and internet applications and job searches. That isn't the best he can do in this economy, either, and childcare should be considered at least one day a week so he can schedule interviews, etc., knowing he can have the children looked after during that time.
I think you're absolutely correct that goals have to be set. Without goals, aimlessness and non-focus are the order of the day. Financially, that means wasted money. Physically, that means wasted time. I've personally made some big strides in figuring out where I want to be in ten years time. That one goal alone accounts for everything I do now, each and every day.
As far as Amanda's situation is concerned, knowing what I know now, I would not be spending significant savings on home remodeling with questionable return. That would have to wait until the husband found a new job. This economy is too unpredictable.
"we Remodeling the house (my husband is doing all the work)"
"We haven't been extravagant" huh?
Why are you remodeling when your husband is unemployed that is a no no
Emergency savings are for "emergencies"
Unless you are well off $400K or above, wait until he is employed before you do remodel
I agree with you in principle, that there are many people who's budgets are stable, who have stopped spending out of nothing but fear of the economy, and that has on overall effect of weakening the economy. Amanda's case is different in that she already is spending more money then her income is providing. In that case she HAS to make sacrifices. To me, remodeling the house is a "want" not a "need". Unless of course ,the remodeling is due to a deficiency in the home itself the NEEDS to be corrected, or will directly lead to greater saving in the future (insulation, more efficient heating, reduced water use etc.) My solution would be: Cut back on the remodeling to a minimal point necessary to complete the project, and cut back on other "wants" as well.
I can very much relate to her situation. My husband lost his job one week into December and we were living off of my income (which, thankfully, was the higher one and the one with benefits). We had spent the first 6 months of our marriage creating our buffer in the checking account, now we knew that to cover our expenses we would have to dip into that. Luckily, within a week he had a new job lined up, but it didn't start until the second week of January. Because we had a decent buffer that was set aside for a situation like this and he had a job lined up (which he just started last week) we were ok with dipping into it. But we also worked on cutting costs as well, we downgraded our internet/cable/phone drastically and kept Christmas very small. So yeah, it definitely depends on the individual situation. If my DH hadn't had a job lined up with a person of high integrity (don't count your chickens before they're hatched) I would defintiely have pushed for much more drastic cost cutting.
As we don't know the particulars, it does seem hard to offer concrete advice. But what have I learned so far from this blog? That money is more about psychology and less about numbers than people make it out to be. Losing a job is incredibly stressful, and it seems to me that you can make it a lot more stressful by IMMEDIATELY switching to a sort of survival mode by cancelling all fun and switching to (what I view as) poorer-quality food….in other words, if they have savings that were meant for the case of someone not having a job, why not use it to maintain their lifestyle for as long as possible? This is of course a big "if" which also depends on various factors that have already been pointed out, i.e. how long hubby expects to be unemployed.
personally, I am trying to save 12 months of expenses where organic food and hobbies are actually budgeted in–I would be depressed enough in such a case and a sudden lifestyle-reduction wouldn't make me any happier. (And going one step further: do depressed, poorly-fed people have lots of energy to go find a job? Um, no.)
I tend to agree with most of those posting comments…organic food and remodeling is not something that is necessary and I personally would not dip into savings to do either one if either my husband or I was un-employeed. We would save that money for an emergency while there is only 1 income. Organic food can be good..but unless it is necessary for a specific health reason, it's too expensive to buy while one of you is without a job.
Cell phone…does he have a cell phone? Does he really need it since he isn't employeed and probably home most of the time anyway? Might be cheaper to cancel his service for now.
Remodeling….I agree with others…see if this is something he can do for others right now. Husband I have personally hired several carpentors from craigs list to do some odd jobs around the house that we weren't comfortable doing (such as building deck stairs). I'm sure that are others like us out there.
I understand wanting to do some remodeling while he is home and has the time, it's great that you were saving for it. But my thinking is that right now, you are down to one income when you were used to having 2, so it's best to save that money in-case something comes up.
Yes, there's no indication if the "remodeling" is spending $100 on paint or $15,000 on a new kitchen/bathroom. Even unemployed, I could justify the painting (with some other accommodations from other spending — cut out Netflix, go to a prepaid phone, scrutinize grocery purchases, cut coupons, no meals/nights out, etc)
But this should definitely be a discussion between husband and wife, with spending priorities clearly outlined, the written budget, and tracking of expenses to ensure that it stayed absolutely on track.
And, of course, there should be a time budget set up for him to look for a job. If he's watching small children and he feels some need to complete the renovation project (spoken or unspoken), there is probably not sufficient time to look for work — which can easily consume a few hours each day. At some point, you can only do so much, that's where a project of some kind can be extremely helpful.
The overall goal, though, should be "how do we get by on your income alone?". And if organic food is a priority, then something else is going to have to go — maybe the cable box or maybe the iPhone. Or perhaps the car that's not paid off. People's pains and pleasures are all different, the only way to "win" is to get things straight with your spouse. Sure, the rest of the world may consider you insane, but as long as your spouse is on the same page as you, then you're likely doing pretty well.
I agree with others that without more particulars, this is going to be very generic advice. Amanda's question is when do they decide that even "important" expenditures are too much. I think the hiccup that most people have is what Amanda has considered "important" — remodeling, organics, cell phone. The part that concerns me is that they are dipping in their savings for "basic expenses." My best advice is whatever your income, you should be living within your means. Because even with a "fair amount in savings," eventually all the savings will be gone if you continue to live outside your means. Now for your amount of savings, it may be 5 years for all we know, but if it's only for 1-2 years, and it takes that long for husband to find work, you might feel a little sheepish when you deplete your savings for non-essentials.
Here's my advice — all of your needs should be within your income means. I agree with another post that you need to be critical of what is considered a "need" — do you "need" organic food — well, no, you "want" organic food; but you do "need" food. And I believe needs includes health insurance. If you are talking about "big" medical expenses, I think that is what your emergency fund is for.
If you have discretionary income leftover, then priortize your "important" expenses. If it's important to have organic food, then maybe cut an expense someplace else. If it's important to remodel, then cut an expense someplace else. And so forth.
While I generally agree with others that if your savings was earmarked for home remodeling, then you can use it for that purpose. But I would tend to be over-cautious simply because husband is unemployed. When he finds work again, instead of starting the following Monday, ask for an extra week before start-day, and make it a full-time job for that week to get remodeling work done.
And the final added bonus — when husband does get work again, you will have the knowledge and satisfation that you can survive on one income. Then your second income will really allow you to have fun with even non-important expenses.
I guess it depends on what the savings is saved for? If you were saving to pay someone to fix the house for you and now you can do it yourself for cheaper that's less than you would have taken in the first place.
But if you're cutting back in other areas (are you still on a $150 a month cable TV play?) and doing work around the house and not paying for day care, I'd feel better about it (if I were you).
I think usually savings is for the future, and more for either a business venture, car, home, repair. That's what I think of when I hear savings. Savings equals future. Emergency fund equals the situation the reader is going through.
If she is asking for advice on the four items- i would say give up organic or learn to eat the least expensive organics at a coop-like grains and beans, get the cheapest pay as you go cell- and don't use it except when needed(no chatting or texting nonsense)- but do not give up health insurance and do not skip dental work. We are learning how dental problems cause heart problems and a lot more- getting false teeth or implants later does not make up for dental work that should have been done when needed. People die from neglected teeth as happened to a child in a shocking story here in Md(and I am sure it happens more)
I want to say to Amanda that I agree with all the commenters who say that goals must be set. I don't agree that those goals are primarily financial.
What are your husband's goals in life? Is his goal to be a stay-at-home parent? Is his goal to start his own home-remodeling business? Is his goal to take a longish break from corporate pressure before diving back in?
Once you and your husband have his goals in mind, Amanda, you should set your own work-life goals. Share your goals with your children if they're of age. Encourage them to set their own goals.
Once your family's goals have been set, confusion about incomes, expenditures, savings, and investments should be more clear. At that point, financial goals will be easier to define.
It's interesting how everyone's first reaction with the question of organics is "that's an unnecessary expense; don't bother." So to do a bit to offer some balance here, let me echo what Andrea just said: look for the most cost-effective organics. Buying organic blueberries in January at Whole Paycheck probably doesn't make a lot of sense. Buying organic beets and cabbage from a local farmer probably does. If you're looking at a potentially long time before DH goes back to work, maybe now is the time to include making space for a garden as part of the remodeling, and grow your own organic produce (which is definitely the cheapest way to go!)
Savings are for rainy days, right, and it seems like these are your rainy days. But now that you're here, it's probably a good idea to think carefully about every expense, how it fits with your overall plans and values, and explore creative ways of getting meeting your needs without sacrificing your values.
Personally, I would plan for the worst. Unemployment for more than a year or two, possible health issue in the future, etc. It's important to adapt quickly to the situation.
I've been saving up many years for a downpayment for a house, that's my specific use for the money. The moment I lose my job, that fund becomes my emergency savings (for actual emergencies – I'd cut my cellphone, Netflix subscription, organic foods – unless I can grow it myself, and I'd start eating ramen 4 meals a week, just because I can).
I think it's "ok" to spend the category as it was meant to be during a good situation. But when good turns to bad, you've got to adapt and make the money last as long as possible.
I think the question here is more about prioritizing. Prioritizing and preparing for the worst is always the best thing you can do when you're uncertain about the future.
I think that there may be something else to this story: the interactions between partners with regard to their finances. She is starting to ask questions, which is good, but it may annoy him or he simply won't listen (so she posts on websites? ). This might eventually end badly – for example: she quietly stops buying non-essentials and stops bringing it up, and he carries on spending. Maybe it is not relevant to this particular couple, but stuff like this can very easily happen. Imagine earning $75k each, but still racking up credit card debt, and not wanting to have another argument about about money so keeping quiet and never buying a thing that wasn't essential while he spends like there is no tomorrow. That was me and my ex. I am a lot happier now and have savings and easily get by with much less than I was earning then.
There are some good advice here but I would like to comment on organic food.
In defense of organic food (or eating good quality food), it it a choice that individuals make. I don't eat 100% organic but I value good quality food more than cable TV, a nice car, cell phone etc. I know it is not important to others and that's ok as long as you respect other people's choices. I have found a way to eat good quality (mostly organic) food by growing my own food, signing up for a CSA, produce stands, farmers markets, and Trader Joe's. I know not everyone has access to local produce but all I am saying is, please do not tell people that buying organic is ridiculous or stupid.
There is nothing like "real" food.
I have been out of work twice. The first time around, even though I was collecting unemployment, we lived off my wife's salary. I couldn't tell how long it would take to find work, and sooner or later the unemployment was going to run out so we didn't want to learn to rely on it. This was early in our marriage so we didn't have a ton of savings to live off of.
The second time was more recently, in October. We had some debates about what we should do. The facts of the matter were that we had saved a lot in our emergency fund. But we couldn't live off my wife's salary because she puts almost all of it into retirement accounts. (she works for the government so she has a lot of tax-deferred savings options.) I would again collect unemployment, but in the last 6 years our expenses have creeped up such that unemployment isn't quite enough to cover our expenses. We decided to wait until the end of the year to make any changes to her tax-deferred accounts. While unemployment wasn't quite enough to cover our expenses, it was close and so we wouldn't deplete our savings *too* much in 2-3 months. And I convinced her that that's why we had the savings in the first place, though I had to call in a nuetral third party (a friend of ours) to help convince her. I ended up finding a new job after only 6 weeks, so we never spent more than what was in our checking account.
Still, either way, we always plan for the possiblity of a situation continuing on indefinitely. You never know what's going to happen. If this really is the next great depression, you're sure going to regret eating organic food when you can't afford food at all any more. Extreme, but you always want to leave yourself an out.


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"I love the simple design that focuses on his name. We received many compliments from friends and family. Quality of the paper is great."
"Tiny Prints changed the color of the name for me from white to blue. I really appreciated their ability to make that change for me. This is a very simple announcement but that's exactly what I wanted. Simple and classic. I love it and they were delivered very promptly! The paper is nice quality too. Thanks for making it so easy for me!"
"We used these cards as a birth announcement on the front as well as a thank you for baby gifts on the back. I was able to upload 5 pictures total and along with the color scheme, these were beautiful cards. Great quality and fast delivery from the company. This saved me a lot of time from handwriting thank you notes and allowed us to give a picture of our baby boy to friends and family. Overall we were very satisfied!!"
"Loved how my announcement turned out. The paper quality of the cards and envelopes were excellent. The long shape of the card, I feel, made it unique."
"This is the first time we had ever ordered anything like this online and it was so easy! The cards came earlier than expected, which was a nice surprise. The quality of the envelopes was perfect, and we went with the basic option. My only negative comment is that the photo looked darker when it was finally printed than it did on the computer, but that was probably an oversight on our part."

subset: commoncrawl


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By Dale Nickey:
(Click here for parts 10, 9, 8, 6, 5, 4, 3, 2 and 1)
Lola – The Kinks (Songwriter Ray Davies)
For most people my age, Lola was the first introduction to transgender culture. Head Kink, Ray Davies tells this shaggy dog story about a chance encounter with a hot trannie at a Soho club. Confusion, self-examination and romance ensue. One of those Classic Rock lyrics most boomers could recite from memory if they really sat down a gave it a try, Ultimately, the verdict of this mini morality play falls on the side of love and acceptance. Further, Ray sings it with a conviction that makes one wonder if this story was fiction or reportage.


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Software tracking healthcare for homeless to go before City Council
Compromise reached between San Diego Housing Commission and Jobs Coalition
City Council approves more signature-gathering time for recall elections, among other decisions
Encinitas candidates field audience questions at Cardiff forum
Hip and historic North Park
15 California community colleges granted four-year degree programs
Community titan Jerry Fazio announces plans to retire
Emotions fly over fate of small Encinitas farm
Planners absorb details on proposed conversion of vacated Cabrillo Hospital into an international language school
'Megadorm' will stay
Q&A with San Diego City Attorney Jan Goldsmith on Disagreements with Mayor Filner (Part 2)
Earlier this week, San Diego Newsroom presented part 1 of its interview with City Attorney Jan Goldsmith.This second installment compares his previous relationship with former Mayor Jerry Sanders to that with current Mayor Bob Filner and discusses the Port Commission controversy, the Balboa Park flap and whether Goldsmith plans to challenge Filner three years from now.
Michael Rosen (MR): It's not as if Mayor Filner is the first mayor you've interacted with. Can you compare and contrast your relationship with Mayor Filner to your relationship with Mayor Jerry Sanders?
City Attorney Jan Goldsmith (JG): With Jerry Sanders, we were still very independent, we said no and issued guidance. But the difference is, Sanders consulted with us beforehand and tried to get our guidance on how to do what he wanted to do. When we raised legal issues that he or his staff didn't agree with, they'd come to us and they would say, "You've got this wrong because you haven't considered these facts, you haven't considered this, that or the other thing." We'd take a look at them. They worked with us. We looked at it and tried to get it right. But if we said, "No, you can't do that," or "You can't do it that way," Sanders respected that. I've been practicing law for 37 years, and I've had many clients over the years. There's not a client out there who likes to be told "no." Clients want you to just bless what they want to do. It's natural. Jerry Sanders had it, Bob Filner has it. In the final analysis, when we decide we've considered everything you guys have submitted to us, but we still don't think it can be done that way legally, they would accept it. They understood that we had an independent obligation to make the final decision on the law. Filner does not recognize that, nor does he consult with us up front. And so there's a huge difference.
MR: What's been going on with the Port Commission? What can you say about the opinion about the controversy that your office just issued, which reversed several years of precedent and held that the mayor cannot veto Port Commission appointments?
JG: I wrote this opinion. The City Attorney's Office's initial opinion was in 2006, that there was a [mayoral] veto. There was not much analysis. It was just listed. And since 2006, the mayor has been given a veto right on every appointment. Our office issued an opinion earlier this year which continued with that legal opinion. I took a second look at it when the legislative counsel opinion came in. I do not agree with our January 17 opinion or the opinion since 2006. And so I reversed it. I'm very, very comfortable with the opinion I wrote. I've written hundreds, if not thousands, of opinions as a judge. I viewed it the same way I would view it if I were sitting as a judge on the issue. I'm very comfortable and confident of my position. But, I changed it, no question about it.
MR: What kind of backlash do you expect to result?
JG: I don't know, and I really don't care. My job and my lawyers' job is to try to get it right, and that's what we've done. This is a tough environment, and it's been tough since the beginning of the year. It's the kind of environment that almost invites mistakes, not only by our office but by the executive branch. It is a very difficult environment, and so my job is to try to get it right and try to focus on quality and let the chips fall where they may. It's a solid opinion, and there's not much I can say more than that I got it right and I exercised my authority as the city attorney and overruled the six years of opinions that were not correct.
MR: Your office has recently indicated a possible resolution to the Balboa Park remake plan, and specifically the Plaza de Panama issue. Can you explain what's going on there?
JG: We had raised the issue of a project-specific ordinance that would allow the City Council to amend its ordinance to allow the Jacobs plan to move forward. We were asked by Council President Todd Gloria to provide a memo as to how that would happen, and that's what we did. People need to understand that this is a quasi-judicial matter, approval of a project. Quasi-judicial means that you rely on the applicant to submit an application, and then you as the City Council have to consider both sides and you act almost as a judge. It's different from other areas when the Council might approve a road or something like that when there's an application. The applicant in this case was a group known as the Plaza de Panama Committee, the committee that was working with Irwin Jacobs. In order for the Council to consider this project-specific ordinance, the Plaza de Panama Committee would have to amend their application to ask for an amendment of the ordinance. So that's the only way. The City Council can't do that. My office can't do that. It has to come from a third party, otherwise you're not acting in a quasi-judicial manner because you've got to remain unbiased, sort of like a judge doesn't act like a plaintiff or a defendant. You have to detach yourself from that, and it's got to be the applicant. The PDP Committee decided not to include a project-specific ordinance, and they considered it, but decided not to. And they're not going to do it now, from what I hear. So it's nice to submit the memo about how you do it, but it's probably not going to happen because they would have to file their application and amend their current application.
MR: Do you have any sense of why they wouldn't want to do that?
JG: Well, Irwin Jacobs has said he's kind of finished with it, and that's probably the reason. Keep in mind what this is about. There is a city municipal code ordinance which essentially says in layman's terms, you can't alter a historical structure unless you can show that essentially there's no real usefulness of your property without doing that—reasonably useful. The original application for PDP could have said, "We're going to exempt this project from this ordinance." They chose not to, and instead said it's not reasonable. They said, "We have to touch the Cabrillo Bridge, which is a historical structure. The reason why we believe we can change this bridge is because Balboa Park's core at the Plaza de Panama is at a level of service 'F' traffic-wise, just too much traffic congestion. And the reasonable use of Balboa Park requires a better traffic flow and pedestrian access to the Plaza de Panama exclusive of cars." So they said, "We can meet that standard because we need to change the bridge to have a reasonable use of Balboa Park." Judge Taylor said, "You know something, I'm not even going to consider that this is Balboa Park. I'm going to consider this the same way I consider anything else, and you have to show a very high standard, and I don't think that's the standard. I don't think a level of service 'F' is enough to show the impact on Balboa Park." What they could have done [was] submit an application saying, "We're not going to meet the standard. We want to change the ordinance." They chose not to. That's just strategy. Maybe it's because it's harder to amend an ordinance than to get an exemption. So what I'm saying is they can still do that. They'd have to amend their application. And then the City Council would determine that based upon a quasi-judicial approach.
MR: You have said at times that we have a mayor who acts like he wants to be city attorney, as opposed to former City Attorney Michael Aguirre, who sometimes acted like he wanted to be mayor. But what about you? Have you given any thought to challenging Mayor Filner in three and a half years?
JG: I've said many times I don't want the job. I've already been a mayor. I was mayor of Poway. I don't want the job, so no. I know people are talking about it, but no, I'm not going to run for an office I don't want to serve in. It's nothing against the City of San Diego. It's just that I like the law. My passion has been the law. Even when I was in the legislature, I served on the Judiciary Committee and loved it. My passion is the law, and that's what I want to do, and I don't really want to be mayor. So no, it's not going to happen.


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The King River is a river in the Great Southern region of Western Australia. The river rises east of the town of Redmond. The river flows for approximately 27 kilometres (17 mi) and along with the Kalgan River drains into Oyster Harbour and finally King George Sound north east of Albany.
The river was named after Captain Phillip Parker King RN (1791-1856) by Dr Thomas Braidwood Wilson while exploring the region in December 1829. The estuarine zone of the river is from the mouth to 7 kilometres (4 mi) upstream to where Mill Brook joins the river. The land along the river is estimated as being 83% cleared yet the water quality is generally healthy fresh water. The salinity level of the King River at discharge is 800mg/L.


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By Alicia Eakin - bio | emailAugust 20, 2008
VALDOSTA, GA (WALB) - A popular community event in Valdosta has been canceled due to the state's current budget crisis.
Valdosta Technical College has announced they will not hold HarvestEd this year.
HarvestEd is an annual community fair held each fall on the college's campus.
Val Tech administrators have been asked to cut their budgets by up to 10% to help make up for a state-wide deficit.
They say cutting the event will keep them from cutting new programs.
"We have so many wonderful programs the community needs us to offer like hemodialysis, we have a culinary chef program starting up and to get those programs up and going you have to have equipment. It was a choice. Equipment of a festival for the community. With tight budgets you have to make a choice," says Angela Crance, VP of Economic Development at the college.
HarvestED was scheduled for October 25th.
They will spend the rest of the week notifying vendors.
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Albany, GA 31706
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By dz53
via real-user-monitoring.com
Submitted: Feb 28 2013 / 10:33
Conventional coverage of service outages follows a predictable outline: bad-guy $BB took out victim $VV because of $SPECULATION. This sketch neglects much: how uncertain our knowledge of what *really* happened is, how partial the perspectives of the principals are likely to be, and, of most immediate interest, how much control $VV has and doesn't have over what happens on its computers. Different company cultures and business models lead to different results. Technical tools like APM aren't absolute solutions; they are possible solutions to requirements within a specific organization at a specific time.


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Want to get in touch as let us know how great our site is? Or have you found something that doesn't work or isn't right and you want to let us know?
Use the following form to get in touch with us here at WiiDS.co.uk about whatever you like, and we shall respond accordingly!
It seems our contact form isn't working at the moment. Please email tips[at]wiids.co.uk with your query instead.


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Prospective Students
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Fire Policy
Fire Policy
The following information indicates current policies and procedures associated with fire safety and prevention.
All campus buildings have a fire monitoring (which includes smoke detectors and sensors) and fire alarm system. The system is monitored at the security building 24/7.
All dorm rooms have smoke detectors which are monitored by the fire alarm system.
Each semester there is a fire alarm drill conducted for all of the dorms. Resident students go to a pre-determined location while all the dorm rooms are checked by the Resident Director and Security staff. A log is then completed for each dorm fire drill.
Merritt's and Steele Halls, men's dormitories, have posted fire evacuation routes on the floors. Also there are several fire safety tips posted with the evacuation routes. Units in the women's dormitories, Paden Hall and Emmons, have doors that exit immediately outside.
Merritt's and Steele Halls have fire emergency doors that close automatically when the fire alarm goes off.
There are fire extinguishers located throughout the campus buildings. They are checked on a monthly basis by Security staff and serviced at least annually. If they have been discharged or not properly charged they are then replaced.
Once a year all the fire alarms and smoke detectors are checked and serviced by a licensed contractor.
Once a year the fire water flow system is checked and serviced by a licensed outside contractor.
God led me to CCC. The accreditation was definitely a big deciding factor (and it's in Florida!). CCC is a great school that has a good balance of Christian principles and a wonderful student body. The faculty and staff are also great people. As the vice president of the freshman class, I love the leadership opportunities and chances to get involved. I'm also a part of the political club and enjoy helping with grass roots political work in Florida. For work, I help out on the grounds and assist Dr. Cundiff with daily office duties. Both of these campus jobs give me good experience for the future. Above all, CCC helps teach balance in your Christian life. When I graduate, I pray that I will take with me a sense of balance.
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I received a text message wishing me and five others whom I don't know a Happy New Year. So now what? Am I supposed to text back even though we haven't spoken in months and live in the same town? Am I supposed to feel flattered or good because she took five seconds out of her day to send a message? Or am I supposed to be happy that she remembered and embrace this new technology?
Many of us who are 50 or older long for those days when someone called from a phone in their home because they wanted to take the time to engage in a conversation. They wanted to hear our voice and found the time in their busy schedules to make the time. They couldn't do it while driving or shopping or having their hair done. There were no cell phones. We were not an afterthought; we were the thought.
Why is it that with all the inventions to make life easier that people have so little time? Do people really have less time or is the need to stay busy an antidote to thinking? Has thinking become a dangerous sport? Is connecting with others on a constant basis even when you are with others a new sport? Are these all simple diversions from the examined life? Or is it as simple as a generational chasm and the seeming lack of intimacy is not real?
Nostalgia is like a grammar lesson: you find the present tense, but the past perfect… Owens Lee Pomeroy


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Easy now! You've found yourself on the all new Drum&BassArena blog. Expect to wave goodbye to your precious time as we fire you up with some of the best drum & bass content you'll read all week.
From fun to facts, tunes to teasers, we deliver unique stories from the heart of the scene. Please share, comment or drop us a line... This blog is for you!
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Tag Archives: Submotion Orchestra
Glade 2012: beats, bass and serious blusters!
Let's face it, the UK weather hasn't really done itself many favours over the last month or two. Rain, rain and more rain; May and June have been the wettest months we've experienced in years. This doesn't even include the … Continue reading
Posted in Festival Tagged Andy C, Ant TC1, BMK, Dillinja, Dub Pistols, Glade, Glade festival review, High Rankin, Stanza, Submotion Orchestra, Tensor Comments Off


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Smith: We Found A Way To Win
October 29, 2012 8:21 AM
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CHICAGO (CBS) — During the course of a long NFL season, good teams find a way to win games during which they play poorly, and Lovie Smith said that's just what the Bears did on Sunday against Carolina.
Smith spoke with WBBM Newsradio's Josh Liss this morning, saying: "I think during the course of a year, you have to have games like this when you don't play your best ball."
Smith went on to praise quarterback Jay Cutler, who struggled for three quarters, but posted a 122 quarterback rating in the fourth quarter, leading the Bears down the field in the final minute and setting up Robbie Gould's winning field goal.
LISTEN: Lovie Smith On WBBM Newsradio With Josh Liss


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Sip fine wine among Tuscany's picturesque scenery while taking day trips to Florence, Siena, Lucca or Pisa
Take in the impressive Colosseum, Michelangelo's famed statue of David and picturesque Venetian canals as you saunter through Italy
Sail roundtrip from Venice onboard Splendour of the Seas and stop in Dubrovnik, Kusadasi and Santorini.
Spend Christmas in Europe with fares to Rome, Paris, London and more
Spend six nights 'under the Tuscan sun' in the rolling hills of Villa Casagrande
Cruise to ports in Italy, France and Spain onboard Norwegian Epic this fall.
Sample the best of Tuscany and Umbria, including wine tastings and three-course dinners
Includes multiple three-course dinners with wine and plenty of free time to explore these romantic cities
Snag a hotel near the Colosseum, Piazza di Spagna, Trevi Fountain & more.
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Capital Asset Pricing Model - CAPM
Definition of 'Capital Asset Pricing Model - CAPM'
A model that describes the relationship between risk and expected return and that is used in the pricing of risky securities.
Investopedia explains 'Capital Asset Pricing Model - CAPM'
The CAPM says that the expected return of a security or a portfolio equals the rate on a risk-free security plus a risk premium. If this expected return does not meet or beat the required return, then the investment should not be undertaken. The security market line plots the results of the CAPM for all different risks (betas).
Using the CAPM model and the following assumptions, we can compute the expected return of a stock in this CAPM example: if the risk-free rate is 3%, the beta (risk measure) of the stock is 2 and the expected market return over the period is 10%, the stock is expected to return 17% (3%+2(10%-3%)).
Wants to know more about CAPM? Read Taking Shots at CAPM and The Capital Asset Pricing Model: An Overview


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Now that they're cropping out over lawns and countryside, we are reminded of several ways we can serve up the leafy greens.
She says her mother and grandmother used this recipe and her mother always said by using canned milk, you get a creamier dressing. Emma agrees.
Jan Novak of Center Valley is hoping someone can help her find the origin of a cheese ball her friends make called a Weber (or Webber?) Duck? The ingredients include 1 8 oz. package cream cheese, 1 cup blue cheese, crumbled, chopped onion (exact amount to taste), Worchestershire sauce, to taste.
They are mixed together and shaped into a dome and covered with Old English Pimento Cheese Spread or Old English Cheddar Spread, then decorated with sliced olives and served with Ritz crackers.
When you do have a recipe to contribute, please provide your name, address and daytime phone number. Also give the full names of any cookbooks or magazines you use, as well as the author's name and publishing company, so that we can properly credit recipes that have come from printed sources.
Pat Sauers of Hazleton is looking for a Dutch Cake recipe with cream that goes on top.
Violet Musican of Allentown said she's happy to see the recipes for codfish cakes, however, she wonders where you can find dried codfish. She said she tried all the markets. She was able to find it years ago.
Betty J. Miller of Bethlehem sent in a recipe for a Crock Pot Bean Casserole. She said the recipe is a different take on the usual, however the taste is delicious!
Patricia Metzger of Bethlehem sent in a recipe for Railroad Cake from her mother's card box. "I also grew up on the South Side around Holy Infancy Church and St. Joe's Windish Church on Fifth Street. My mother's neighbors and friends always exchanged recipes. I have all her old ones from back then. It's an old recipe and that was all that was on the card." another recipe for Railroad Cake is from Suzanne Harold of Bethlehem Township who said she hopes it is the recipe Gary Toth wanted. She said it was from her Hungarian Cookery in America Cookbook. The Hungarian name is Gerbeaud Squares.
Phyllis Ackerman of Red Hill sent in a recipe for Slow Cooker Barbecue Pork and Beef Sandwiches. "I'm not sure, but I think the recipe came from a 1975 Good Housekeeping magazine. It's delicious and easy to make," she said.
Mary Riley of Bethlehem sent in a recipe for Cottage Pudding. She wonders if the Cottage Cake that Miriam Stout of Emmaus is looking for is the same that she grew up with but called it Cottage Pudding. "We always served clear hot vanilla sauce on it," she said.
Elizabeth Phillips of South Whitehall Township sent in a recipe for Babka, which she makes in the dough-only cycle of her bread machine and bakes in the oven.
Slab bacon (about 2 inches wide by 6 inches long)
1/4 cup flour
1/4 cup sugar
1 tsp. salt, optional (depending on the salt in the bacon)
1 can Evaporated milk, plus 1/4 cup water to rinse out can
1/2 cup vinegar or less
Dandelion (endive can be substituted)
3 cut-up hard boiled eggs
Emma Fox, Hereford


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The internationally renowned chamber music festival under the artistic direction of cellist Jan Vogler presents established soloists and young talented musicians in unique formations in the baroque Moritzburg Castle,
Cool or free, classic or modern, swing or Dixieland: in the North Rhine-Westphalian city of Düsseldorf , jazz is king. You'd expect nothing less from the Düsseldorf Jazz Rally, which offers a musical discovery tour of all forms of jazz and is traditionally held at Whitsun.
The Fête de la Musique – the European & Worldwide Music Day – is an annual festival held on 21 June, the start of summer. It transforms cities around the globe into theatres of enchantment and magical sounds.
Das FEST music festival in Karlsruhe is one of Germany's biggest open-air events, attracting over 200,000 visitors. It has been held every year in late July since 1985 – on the last weekend before the start of the school holidays in Baden-Württemberg.
One of the nicest legacies of the former East Germany's cultural calendar is the International Dixieland Festival in Dresden , which has taken place in the second week in May every year since 1971. It is now Germany's oldest old-time jazz festival and a firm fixture in the European scene. For eight days and seven nights, the capital of Saxony becomes Swingin' Dresden and draws around half a million jazz fans to the city.
Word has got around that Bochum's 'Bermuda triangle' of bars and clubs is the party capital of the Ruhr at any time of year. But when the city at the heart of North Rhine-Westphalia plays host to Bochum Total, one of Europe's leading music festivals, the party atmosphere reaches fever pitch.
You might see stars dancing before your eyes after three days at the SonneMondSterne (Sun, Moon and Stars) Festival! SonneMondSterne, SMS for short, is one of the biggest open-air festivals for electronic dance music in Europe. It takes place every year on the second weekend in August at the beautiful Bleiloch reservoir near Saalburg-Ebersdorf in Thuringia .
Scoprite la destinazione vacanze Germania sulla cartina
Con il vostro pianificatore interattivo di viaggio potrete definire da soli e con facilità il vostro itinerario personale attraverso la Germania, completo di tutte le informazioni importanti. Ecco come fare:
Aggiungete i vostri preferiti. Salvate, ordinate, condividete e salvate la vostra selezione e programmate tutto il vostro viaggio in Germania.
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Safe Zone Ally training has been completed for this academic year. However, we are able to offer special training sessions if a large enough group gets together to request a special training and if our training facilitators are available.
If you have any questions or would like to request a special training please contact Rex Jackson at email@example.com
Goals of Training:
To develop:
To provide information regarding:


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The new technologies of radionuclide therapy are allowing for personalized treatment of various forms of cancer. Learn more about the clinical utility of these procedures and earn free CE credit.
Welcome to our Healthcare Provider portal. Everything you need to understand the advantages and applications of nuclear medicine and molecular imaging in your practice. Find out more about ordering the right test for the right patient at the right time.
Molecular imaging is a type of medical imaging that provides detailed pictures of what is happening inside the body at the molecular and cellular level. Where other diagnostic imaging procedures—such as x-rays, computed tomography (CT) and ultrasound—offer pictures of physical structure, molecular imaging allows physicians to see how the body is functioning and to measure its chemical and biological processes.
Molecular imaging includes the field of nuclear medicine, which uses very small amounts of radioactive materials (radiopharmaceuticals) to diagnose and treat disease. In nuclear medicine imaging, the radiopharmaceuticals are detected by special types of cameras that work with computers to provide very precise pictures of the area of the body being imaged. Nuclear medicine can also be used to treat certain types of cancer and other diseases.
Molecular imaging offers unique insights into the human body that enable physicians to personalize patient care. In terms of diagnosis, molecular imaging is able to:
SNMMI has created guidelines to identify those elements of the procedure that are most important in obtaining a high-quality examination, Appropriate Use Criteria (AUC), and is working towards optimizing dose.
Appropriate Use Criteria
Dose Optimization
NCCN's Guidelines Tabular Summary
NCCN Practice Guidelines Narrative Summary
The SNMMI PET Center of Excellence has created a go-to resource with in-depth ordering information and printable materials related to PET and PET/CT, including:
SNMMI is dedicated to providing the community with access to the most knowledgeable and experienced speakers in the field of nuclear medicine and molecular imaging. As part of the new Outreach Program, SNMMI is working to enhance relationships with relevant societies and patient organizations. We have created a pool of speakers who can speak at your next meeting. Please complete the form below to request a speaker.
Outreach Speaker Request Form
Outreach Program
Quantitative PET metrics including metabolic tumor volume using F-18 FDG can project heath outcomes after chemoradiotherapy for patients with non-small cell lung cancer (NSCLC), according to a study presented Wednesday during the 2013 Annual Meeting of the American Society for Therapeutic Radiology and Oncology (ASTRO) held Sept. 14-17 at the Moscone Center in San Francisco.
(MI: Making a Difference)
First-order treatment of cancer typically involves chemo and/or radiation therapy and surgical intervention, but radionuclide therapies offer some advantages for select patients by delivering a very intense dose sequestered to affected tumor sites. These are the therapies currently available and in clinical trials, with a few novel compounds waiting for validation in the wings.
(MI: Making a Difference)
Bioluminescence, nanoparticles, gene manipulation – these sound like the ideas of a science fiction writer, but, in fact, they are components of an exciting new approach to imaging local and metastatic tumors. In preclinical animal models of metastatic prostate cancer, scientists at Virginia Commonwealth University Massey Cancer Center, VCU Institute of Molecular Medicine and Johns Hopkins Medical Institutions have provided proof-of-principle of a new molecular imaging approach that could revolutionize doctors' ability to see tumors that have metastasized to other sites in the body, including the bones.
(MI: Making a Difference)
While guidelines recommend FDG-PET/CT only as an optional workup for women with stage III breast cancer, the hybrid modality can help women younger than 40 who have potentially aggressive stage II breast cancer, according to a study published online September 11 in the Journal of Nuclear Medicine.
(MI: Making a Difference)
Tools, supported by evidence, to harmonize the practice of nuclear medicine using a progressive and safe approach.
SNMMI monitors multiple federal legislative issues and provides resources including issue summaries, letters to Congress, and analysis.
Learn more about journals published by or sponsored by the Society of Nuclear Medicine and Molecular Imaging.


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Reader Comments (Page 1 of 1)
I ranked up Fishing and Cooking and have
evankimori said...
I ranked up Fishing and Cooking and have
been making profit ever since.
I think my profit margin's gonna start coming from being the
supplier for guild supplies of fish for feasts/buff food now. At
least moreso than I'm already making as is. With Uldar on the horizon: I've been skimming off the top and charging premium price for large stocks. Good thing I never have to hit the AH these days since what I'm fishing up is selling faster than I can pull it up.
Fishermen - our day has come. Our patience has been tested and we have been found worthy! Now is our time to profit! :D


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Manage your venue info, images and keep your venue's schedule up to date on Eventful.Get Started Now!
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Categories > Celebrities > My Chemical Romance > You're a heart attack in black hair dye
Because talking to yourself is... Normal?1 Reviews
Gerard starts to regret his actions...
"I never meant to hurt Mikey. I love him more than anyone or anything in the whole world, Why did I hurt him? Oh I hope he's alright... He has Frank. He'll be fine..." I spoke aloud.
I was worrying so much about Mikey. I didn't mean to hurt him.
It wasn't Mikey I'd hurt the most. He understood. It was Frank.
Lindsey was the only one who understood that I loved him. I loved Frank Iero.
He hates me. He hates everything about me
No, Gerard. Listen, he loves you.
Bullshit. No he doesn't. He's straight, remember.
And that's what he thinks you are.
He spoke to Lindsey. I think he knows full well you're not.
The heartwarming smiles, the way his hazel eyes glisten in the bright twinkling sun... sigh
You're pathetic Gerard. He'll never love you
You mean you?
That's you as well dumbass
I miss him.
It's over, Gerard. Frank will never love you after this. Get over yourself
I know.
Good boy, now go find Frank and Mikey and apologise.
I should probably sober up a bit first...
Oh. Yeah.


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Noah Collection - Stainless Steel Sink Strainer
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Britain's Got Talent's Pudsey to pen bi-dog-graphy
Britain's Got Talent's dancing doggy Pudsey is set to make thousands of pounds from a tell-all book
The only way is up for pampered pooch Pudsey. The dancing dog, who won Britain's Got Talent 2012, is not only flying to Hollywood in Simon Cowell's private jet this week (I know, we're uber-jeal too) but the waltzing wonder is also set to rake in hundreds of thousands of pounds with his own bi-dog-graphy!
Pudsey, who shot to fame performing with owner and dancing partner Ashleigh Butler, is reportedly set to make between £100,000 - £350,000 with his paws and all book.
A source told the Mail Online: "Pudsey is one of the hottest tickets around. This book will follow him from puppyhood to Britain's Got Talent winner and meeting Cowell."
Pudsey could easily become one of the world's most famous dogs, reaching the dizzy heights of doggy stardom only Lassie has reached before.
From grey Northamptonshire to sunny Beverly Hills as Pudsey and Ashleigh jet off to Los Angeles this week to perform on America's Got Talent and the Tonight Show. Believe it or not, Pudsey also has a new showbiz agent in the form of Jonathan Shalit, who also looks after X Factor judge Tulisa Contostavlos and singer Myleene Klass.
It has also been reported that the disco doggy is insured for £1 million, has three security guards and may well be starring in a dog food advert.
|Page 1 of 2


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How to Make Oreo Cookie Pudding Shots
No matter how old you are, Oreo cookies can always put a smile on your face and bring you back to your childhood days. This crunchy cookie adult snack will absolutely do just that. Here is how to make Oreo cookie pudding shots.
- 1 3.5-ounce (100 g) instant cookies n' cream pudding
- 1 cup (240 mL) milk
- 1/4 cup (60 mL) vanilla schnapps
- 1/2 cup (120 mL) vanilla vodka
- Oreo cookies, crushed
- 8 oz (230 g) extra creamy whipped topping, thawed
1Prepare the shot cups. Make individual rows of plastic shot cups on a baking sheet.Ad
2Combine the milk and pudding powder thoroughly in a large bowl.
3Measure and pour the schnapps and vodka into the bowl. Thoroughly whisk everything together.
4Froth the mixture. Add a scoop of the whipped cream and fold it into the pudding. Continue this process slowly until everything is blended well.
5Use an ice cream scoop to evenly measure the pudding mixture into the cups.
6Set the pudding. Cover the cups with lids and freeze them until serving.
7Garnish the pudding cups with the crushed cookies.
8Serve with plastic spoons.
Are you an expert on knots?
If so, share what you know about how to make a mick thomson slipknot mask.
Thanks for sharing your knowledge.
We are a bit smarter today because of you.
Things You'll Need
- 1 or 2 ounce plastic shot cups or condiment cups
- Baking sheet
- Ice cream scoop
- Large bowl
- Wire whisk
Sources and Citations
- Adapted from Just a Pinch, Oreo Cookie Pudding Shots, http://www.justapinch.com/recipes/dessert/cookies/adult-pudding-shots-10-assorted.html
Article Info
Featured Article
Categories: Featured Articles | Pudding Shots
Recent edits by: Mei-Lanie Del Rosario, Maluniu
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Thanks to all authors for creating a page that has been read 37,276 times.


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Reader Comments (Page 1 of 1)
Wolfbeckett said...
Never (unless Blizzard puts a stop to it). I'm sure demand will go down but in the real world casinos and lotteries are more popular than ever. i doubt this will stay at 98% house advantage for long but it will always be profitable, people who are bad at math will buy them and so will some who are good at math and just think gambling is fun.


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Home > Art / Photo > Photo Illustrations > friendship/nature
friendship/natureReport abuse
By Shelbey R., Oronoco, MN
Join the Discussion
This art/photo has 1 comment. Post your own!
pulledheartstring said...
today at 6:27 pm:
today at 6:27 pm:
Ah, I do love nature. I used to take many pictures of trees when I was a kid.


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Today's Cancer Trends
In 2001, the National Cancer Institute began producing the NCI Cancer Trends Progress Report. Since then, it has updated it annually. The Report gives us an overall summary on the incidence and mortality of different types of cancer.
So, if you're wondering whether cancer rates are going up or down, here are a few highlights from the most recent update (2009/2010)
- Death rates for prostate, lung, breast, and colorectal cancers (the four most common types) continue to decline.
- The rate of cancer incidence has declined since the early 2000s.
- The length of survival increased for all cancers combined.
- The incidence of certain types of cancer is rising: melanoma of the skin, non-Hodgkin lymphoma, childhood cancers, and other less common cancers, such as kidney, pancreas, and liver.
- Lung cancer is still rising in women, but at a slower rate.
- The death rates for pancreatic, esophageal, thyroid, and liver cancer are increasing.
- Screening for breast cancer has declined somewhat, and screening for colorectal cancer is low.
The National Cancer Institute is not the only entity that keeps track of cancer statistics. According to the Centers for Disease Control (CDC), the number of new cancer cases and the number of deaths from cancer in men has declined the past few decades, primarily because fewer men are smoking. The leading causes of cancer death in men are lung, prostate, liver, and colorectal cancer (in that order).
Women are most likely to die from lung, breast, and colorectal cancer, although the CDC also reports that the incidence of, and death from, breast cancer has declined significantly. Women in the U.S. have the highest rate of lung cancer deaths in the world.
When examining trends in cancer, it's important to look at age-adjusted rates, not just raw numbers. Age-adjusted rates control for the fact that as the number of older people in a population increases, the number of cases of cancer may increase, since cancer is more likely to occur in older people. So, while the absolute number of cases may be increasing, the risks for individuals might be declining or holding steady.
According to an analysis by the Competitive Enterprise Institute, the age-adjusted rates of cancer have remained nearly constant over the last century. However, we can expect the absolute numbers of new cancer cases to increase. The World Health Organization estimates that the number of individuals age 60 or older will triple by 2050.
National Cancer Institute. "Cancer Trends Progress Report: 2009/2010 Update." Web. http://progressreport.cancer.gov/
American Association of Cancer Research. "Cancer to become the world's deadliest disease." Press release. Web. January 2009. http://www.aacr.org/home/public--media/science-policy--government-affairs/aacr-cancer-policy-monitor/aacr-cancer-policy-monitor-january/cancer-to-become-worlds-deadliest-disease.aspx
Centers for Disease Control. "Lung cancer trends." Web. 12 March 2010. http://www.cdc.gov/cancer/lung/statistics/trends.htm
Centers for Disease Control. "Breast Cancer Trends." Web. 12 March 2010.
Centers for Disease Control. "United States Cancer Statistics." Web. 3 January 2011.
Logomasini, Angela. "Cancer Trends." Competitive Enterprise Institute 2008. Web.
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Sunday, March 31, 2013
Wednesday, November 21, 2012
Sunday, November 4, 2012
Some new paintings
I have been working on some dead pallet self portrait sketches in
Posted by gumkid at 12:31 PM No comments:
Saturday, October 6, 2012
As one walks about at night, one might encounter objects, or arrangements of objects, sounds, and smells that might bring forth memories or memories of emotions . One's surrounding might consequently start to revolve around it like a core and be transformed b the strange light emitted from it. The Rooftops above the foliage might start to resemble castles from memories of strange picture books and cartoons. And especially at night, when the Shadows veil and depopulate one's vision, One might find one self walking in a imaginary place elsewhere. Pieces of a thing, that allude to something larger, might consequently make the thing greater than it self in the minds of viewers. I guess, always allude to other nobler things when one creates art, for allusions might cast different light on a piece of artwork and transport the viewer to different places in time and space . One might carry a favorite volume of poetry and read it so as to turn whatever environment into intoxicating beauty. But one might have to have seen or felt beauty to be able to imagine or recreate it in one's mind. It is in my opinion that this is the sacred hallucination mentioned by Rimbaud.
Posted by gumkid at 10:56 PM No comments:
Thursday, June 7, 2012
Thursday, May 10, 2012
collage " transhuman"
Posted by gumkid at 1:57 PM 1 comment:
Thursday, April 12, 2012
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The Observer announces contest winners
Date: November 11, 2009
by: Observer Staff
This year's "It's Read Everywhere" contest traveled to the World Wide Web on YourObserver.com and asked readers to upload their submissions and vote for their favorites. During the contest, which garnered 50 submissions and 4,000 votes, The Observer has gone shopping at the Grand Bazaar, in Istanbul, Turkey, pedaled on a 10-day bike trip along the Adriatic Sea and stayed in an ice hotel, in Sweden, among many other adventures.
The grand-prize "It's Read Everywhere" winner from The Longboat, Sarasota and East County Observers is Paul Rademaker, with his photo, "Family, Friends and Fun at Whistler," which featured Rademaker's friends and family holding up The East County Observer before hitting the slopes in Whistler, British Columbia. Rademaker's photo received 2,352 votes, and, as the grand-prize winner, he will receive two $500 travel vouchers.
The Longboat Observer first-prize winner of a $350 travel voucher is Luisa Georgov for her photo, "Village of Our Ancestors — Teora, Italy," which garnered 1,092 votes. Georgov's photo was taken with her mother, Connie, after re-connecting with second-and-third cousins in the village of Teora, east of Naples, Italy.
Taking first prize and a $350 travel voucher for The East County Observer is Michelle Crabtree, who took her Observer along with her on a cruise to Glacier Bay, Alaska. The photo received 143 votes.
The Sarasota Observer first-prize winner of a $350 travel voucher is Michael Klauber, who had a picture taken with the Gulf Coast Connoisseur Club on its latest trip in the "La Crau" vineyards of Chateauneuf-du-Pape, France. Klauber's picture received 164 votes.
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- Sep
18 9th annual Leadership Breakfast honoring Nancy Detert and Teri Hansen
7:30 am
- Sep
6:30 pm - 7:30 pm
- Sep
19 American Business Women's Assocation-Sunset Chapter Monthly Meeting
6:00 pm - 8:00 pm
- Sep
19 Tuscany by Night!
6:00 pm
High Five Moments of the Week
The top five sports moments of the week.
A climb for heroes
Joining with firemen from Central Florida, the Suncoast FOOLS firefighters gathered Saturday, at Plymouth Harbor, to pay homage to the fallen heroes of Sept. 11.
Student's art gains national exposure
ART.WRITE.NOW.DC, a year-long exhibit featuring works of art and writing and hosted in the lobby of the Lyndon Baines Johnson Department of Education Building in Washington, D.C., opens Sept. 19.


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: Speculation:
Paajarvi - where do you see him in 5 years?
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Moroz fan
Join Date: Aug 2009
Location: St. Albert, Alberta
Posts: 4,535
vCash: 500
Originally Posted by
The thing that bothers me is that even though it's obvious that Paajarvi is working on his game many act as if he isn't improving. He isn't throwing a ton of floaters from the blueline at the net and in recent games has been more inclined to hold onto the puck to look for a pass once he gains the line. He has been getting his nose dirty more than he did, and he has been playing pretty well on the PK. He is showing signs of improvement. His draft position at this point means nothing, it won't accelerate his learning curve, it won't make him better than he is. He is improving as a player and is young enough that if he continues to do so he could be a valuable player for this or another team. People need to stop thinking that he'll be a 1st liner, it's not going to happen anytime soon or likely ever. Start looking at him like a checking player and if he ever does add more offense it's a bonus, if not then it is what it is.
it's at this point in time that the Oilers should hold on to older vets like Smyth, Horc, Belanger, etc. so that the Oiler kids can develop in OKC. Harti seems ready now, and Klefbom next year, but i can't wait to see what a fully developed Magnus, Lander, Marincin and Teubert can do for us in the near future, and a little further down the road what Pitlick, Hamilton, Davidson, Rajala, Pelss, Roy and Bunz can hopefully do!
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She was a showgirl..... I've adapted this recipe from one of my cocktail books
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Serving Size: 1 (213 g)
Servings Per Recipe: 10
Beat the back-to-school blues with these genius tricks.


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Nov. 15: Daily Headlines Video
Date: November 15, 2012
by: Eddie Kirsch | Web Editor
+Judge rules in IPOC's favor
A Sarasota County Clerk of Court Judge issued an order this week that will mandate a referendum for additional tourism uses within Islandside.
+Streetcar routes indentified
Planners will present results of a preliminary study this week and collect community input.
+Canal connectors bound for rehab
Sarasota County plans to look for contractors to repair eight humpback bridges on Siesta Key in January.
+Grossman qualifies for election
Larry Grossman qualified to run against Mayor Jim Brown for the District 4 seat.
+Popcorn Bob's Movie Magic
Enjoy this week's movie reviews by Popcorn Bob.
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- Sep
24 "Smart, Sassy, Strong & Classy!" Women's Gala & Speed Networking Event
10:00 am - 2:00 pm
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24 Sunsets at Selby
5:30 pm - 9:00 pm
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25 Mindful Practice
6:00 am
- Sep
25 Ed U Tainment
9:30 am - 4:00 pm
Can you dig it?
Third- and fourth-grade students of Temple Beth Sholom had a chance to brush up on their paleontology skills last week while digging for faux dinosaur bones.
Sound of scholars
Local students Caleb Upton and Matthew Vaadi received some help for their upcoming studies to the tune of $1,000 each from the Sarasota Chorus of the Keys. The scholarships were made possible through the Sheridan E. Brown Memorial Scholarship Fund. Both students plan to use the funds toward a career in music.
High Five Moments of the Week
The top five sports moments of the week.


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This conversation is closed.
Can we ever look as something without judgement?
I am attempting to challenge a notion we all have engrained into our Head and that is time.
I developed an equation that can calculate time with longitude only and some other variables but simple. When I try to get them in-front of anyone they quickly dismiss it.
I ask you can we ever look at something without judgement?
I know I want to but I know I judge everything no matter what...
Oh if you interested in the equation of time I have a video where I run through 10 problems using simple basic arithmetic. you can amaze friends at the least.
But i have never been called, dismiss and talk too so rudely in my life; while their delivery was polite. Literally as soon as I say I have a more accurate equation for time people actually change their tone and speak to me as I am a child with little understanding.
Showing single comment thread. View the full conversation.
Showing single comment thread. View the full conversation.


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By Technoholik | November 17, 2012, 2:09 pm IST Mobile
Now, the LG Nexus 4 might be an affordable Android smartphone in a few countries, but LG has already suggested that it might not have similar pricing in other regions. The reason here is that Google wants to make profits from this device solely on the basis of content and we don't have much of Google content (apart from apps) in India or many other such countries. So expect the device to be priced as much as a high-end Android smartphone.


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Kentucky Peach Cobbler
I've made this very easy peach cobbler for years. Not long after my son moved away from home, he called to ask me for the recipe.
6 Servings
Prep: 15 min. Bake: 35 min.
6 medium ripe peaches, peeled and sliced (about 4 cups)
2 tablespoons butter, softened
1-1/4 cups sugar,
1 teaspoon vanilla extract
1 cup all-purpose flour
2 teaspoons baking powder
Dash salt
1/2 cup milk
1/2 cup cold water
Vanilla ice cream
Arrange peaches in a greased 11-in. x 7-in. baking dish. In a large
bowl, combine butter and 1/2 cup sugar. Beat in vanilla. Combine the
flour, baking powder and salt; add to creamed mixture alternately
with milk. Pour over peaches; sprinkle with remaining sugar.
Pour cold water over the top. Bake at 350° for 35-40 minutes or
until golden brown. Serve warm with ice cream. Yield: 6 servings.
Nutritional Facts:
1 serving (1 each) equals 327 calories, 5 g fat (3 g saturated fat), 13 mg cholesterol, 207 mg sodium, 69 g carbohydrate, 3 g fiber, 4 g protein.
© Taste of Home 2014


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By Edward Nawotka
Today's feature story looks at a new study that reveals organized teams of pirates that have scanned 30-35,000 comics. The study also reveals that of the 50 best-selling comics, 58% of these are not available as e-books. One way of looking at the situation is to see the piracy as a response to unmet demand. In publishing circles, it's not uncommon to hear something similar about all piracy. So how do you feel about the situation? Is this an accurate characterization? Or is it a convenient excuse for illegal, predatory activity? What purpose does it ultimately serve? Tell us how you feel and please explore the question further in the comments section below.
Are Book Pirates Fulfilling Unmet Demand?
- Piracy is illegal and publishers should do all they can to stop it (25%, 26 Votes)
- Piracy will always exist and we simply have to live with it (24%, 25 Votes)
- Piracy is a temporary stopgap until publishers digitize their entire lists (22%, 23 Votes)
- Piracy is a legitimate response to meeting unmet demand (15%, 16 Votes)
- Piracy is positive for publishers as it will ultimately drive demand (14%, 16 Votes)
Total Voters: 106