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The Evolution of Wealth Distribution in a Model of Educational Investment with Heterogenous Agents
AbstractThe implications of individual heterogeneity for the evolution of wealth distribution are studied in a standard model of occupational choice with financial market imperfections and local non convexities in education investment technology. We consider heterogeneity in the cost of educational investment, interpreted as genetic variation at the level of lineage. Ergodicity of the wealth distribution is obtained whenever the (exogenous)distribution of education costs entails the presence of ability types for which the educational investment is inefficient vis a vis financial investment, regardless of how "large" the support is. Conversely, poverty traps can emerge only if investment is efficient for every single agent in the economy. We show that under quite general conditions, the accumulation of wealth at the lineage level does not eliminate financial market imperfections over the long run, motivating our exploration of policy implications. In particular heterogeneity requires more persitent policies to achieve similar results as in the standard case. On the other hand policies can be effective in environments where they would fail under the assumption of homogeneous costs.
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Bibliographic InfoPaper provided by CELPE - Centre of Labour Economics and Economic Policy, University of Salerno, Italy in its series CELPE Discussion Papers with number 119.
Length: 56 pages
Date of creation: 25 May 2011
Date of revision:
Handle: RePEc:sal:celpdp:0119
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Related researchKeywords: intergenerational mobility; inequality dynamics; occupational choice; educational investment; borrowing constraints;
Find related papers by JEL classification:
- D31 - Microeconomics - - Distribution - - - Personal Income and Wealth Distribution
- D91 - Microeconomics - - Intertemporal Choice - - - Intertemporal Household Choice; Life Cycle Models and Saving
- I21 - Health, Education, and Welfare - - Education - - - Analysis of Education
- J24 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Human Capital; Skills; Occupational Choice; Labor Productivity
- O15 - Economic Development, Technological Change, and Growth - - Economic Development - - - Economic Development: Human Resources; Human Development; Income Distribution; Migration
This paper has been announced in the following NEP Reports:
- NEP-ALL-2011-06-04 (All new papers)
- NEP-DGE-2011-06-04 (Dynamic General Equilibrium)
- NEP-EDU-2011-06-04 (Education)
- NEP-LAB-2011-06-04 (Labour Economics)
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Rwanda: New Curricula to Streamline Teaching of Genocide
The Ministry of Education is currently revising the curricula for schools at nursery, primary, and secondary levels, a process that will streamline how best to teach students about the 1994 Genocide against the Tutsi, among other changes.
Under the new curriculum, the teaching of Genocide will be reinforced, in line with Genocide prevention. Teaching the younger generations about the Genocide and Rwanda's history is widely considered as a key element in cementing the on-going reconciliation efforts and ensuring sustainable unity of the Rwandan people.
(via AllAfrica.com)
[PAKISTAN] Sindh Assembly passes resolution against corporal punishment in schools
The Sindh Assembly in Pakistan has unanimously passed a resolution against corporal punishment in both private and public schools in the Sindh province, after the issue was raised by the news channel 'Geo News' in one of their news programmes.
[EGYPT] Much is at stake: If schools continue to churn out mediocre graduates, the high youth unemployment will most likely worsen. An improved education system, on the other hand, holds out the promise of producing citizens who can build a prosperous democracy at the heart of the Arab world.
"We're sure that this is an important period in Egypt's history," says Mohammed Srogy, a new public relations adviser at the Ministry of Education. "We believe that education is the gateway for the renaissance of Egypt."
MEXICO CITY — A plan to overhaul Mexico's public education system has been ratified by 18 of the country's 31 states, allowing it to be enacted by President Enrique Pena Nieto, officials confirmed Wednesday.
The law, which is backed by Pena Nieto and was approved by Congress in December, calls for creation of a professional system for hiring, evaluating and promoting teachers without the "discretionary criteria" currently used in a system where teaching positions are often bought or inherited.
[INDIA] The National council of teacher education (NCTE) has taken an initiative to reform and revamp teaching education system in the country. Following the implementation of the Right of Children to Free and Compulsory Education-2009, the government is now gearing up to reform the teaching education system with an aim to improve the quality of procedures and practices. Following the exercise, all courses of teacher education like BEd, MEd, NTT (Nursery Teachers Training), BPEd and MPEd will get revised.
[TUNISIA] A three-day national conference on how to reform Tunisia's educational system will kick off tomorrow in the Tunisian capital.
Experts in education, members of various civil society organizations and political parties, and a high number of parents will attend the conference.
The event will discuss the way forward regarding the necessary reforms that the Tunisian educational system should implement.
According to Khaled Chabbi, the spokesman for the Ministry of Education, the goal is to "highlight the existing defects from which the current Tunisian educational system is suffering, and review its methodology in light of results learned throughout previous attempts at reforms."

subset: commoncrawl


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ROCHESTER, Minn. (FOX 47) -- Police are on the lookout for three men after a man reported he was robbed at gunpoint Sunday evening in northwest Rochester.
A 29-year-old Rochester man told police he had texted a seller to purchase an item off of Craigslist and complete the deal in person.
Capt. John Sherwin said the victim reported arriving at the 54-hundred block of Duvall Place NW around 8:30 p.m. Sunday where he was greeted by three men. One of the men was holding a box and asked the victim if he had the money for the purchase. When the victim said yes, one man pulled out a gun, and another pulled out a knife and demanded his money. Capt. Sherwin said the victim contended the men snatched his money and then took off.
Two of the men are described as 6-feet tall, and one man was shorter than the two. The victim said they were black and spoke Arabic.
Rochester Police ask anyone with information to call Crimestoppers at 1-800-222-TIPS.
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Pre- and Post-doctoral positions are available in the NIH/NINR funded Biobehavioral Nursing Research Training program at the University of Washington School of Nursing. The focus of this training grant is to increase the number of scientists skilled in biobehavioral theory and methodology.
Opportunities exist to work with a wide variety of nursing scientists and interdisciplinary groups actively integrating biological and behavioral components in basic and clinical research to improve health outcomes in healthy populations as well as people with a variety of diseases. Both predoctoral and post-doctoral positions are are available on a rolling basis. U.S. citizenship or permanent residency status is required.
The main purpose of the BNRTP is to prepare individuals for research careers in universities, health care agencies, government agencies or industry. Individuals will ordinarily be supported for a minimum of two years of training. During this time they will develop skills to create further independent funding to support them for the remainder of their program (in the case of predoctoral trainees) or their career (in the case of postdoctoral trainees). All trainees will share common outcomes, although the level, breadth, and depth of achievement will be based on their prior training and experience.
Predoctoral Fellowships
Interested applicants to or students enrolled in the PhD program in Nursing Science should submit a copy of their curriculum vitae, a letter with a statement of goals for the fellowship, an example of scholarly writing and the names of three references.
Postdoctoral Fellowships
Interested candidates should complete an application form and submit the materials requested.
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Dr. Carol Landis, DNSc, RN, FAAN
Box 357266
University of Washington School of Nursing
Seattle, WA 98195 - 7266
Phone: (206) 616-1908
Email: firstname.lastname@example.com


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- 6:14:51, Sep 20th 2014 - email@example.com - Since I grew up in Pilot Mound I have memories of REDS DOG PATCH ... [Read More]
- 2:10:21, Sep 19th 2014 - Barb Jeffers - The additional photos of the Dogpatch are now on the Fillmore County J ... [Read More]
- 1:41:34, Sep 19th 2014 - yorty - Parade is at 11 am ... [Read More]
- 1:00:41, Sep 19th 2014 - - Visited the facebook page of The Fillmore County Journal and was unable to find mo ... [Read More]
- 10:46:40, Sep 19th 2014 - KingslandGrad95 - Gussie, so what if the "Deputy" was asleep? Maybe he was tired. Y ... [Read More]
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Spring Valley, MN
Sample spring and rediscover the solitude and harmony of nature. Angle for trout, enjoy wild flowers, take up birding, scout for mushrooms -- these and more can be enjoyed in the countryside near Spring Valley. In town, check out the Tourist Info Stop on the main highway for complete information on Bluff Country attractions.
If you would like to sample fascinating history, tour the 1876 Methodist Church Museum on the National Register with its 21 remarkable stained glass windows and its connection with Laura Ingalls Wilder. A photo and artifact exhibit show the Wilder family's involvement with Spring Valley history. Visit the rest of the historical society's museum complex including the Washburn-Zittleman House with its 12 exhibit areas of turn-of-the-century furnishings, the new Ag Building and adjacent History Hall. Also on the National Register is the 1904 Carnegie Library.
Summer can best be sampled through recreation. The City Park offers a solar-heated swimming pool, picnic shelter and tables, children's playground, ball fields, and tennis and volleyball courts. Tee off on the Root River Country Club's excellent 9-hole golf course, or check out other relaxing options such as tubing, horseback riding or picnicking at nearby Lake Louise State Park. For a cool change of pace, tour Mystery Cave where you will see an underground cathedral, beautiful Turquoise Lake and many more unusual and ed-ucational sights.
Any time is the right time to visit Forestville State Park located 11 miles southeast of Spring Valley. You can camp, horseback ride, hike, picnic, fish, bird, snowmobile, or cross-country ski at this lovely forested park. Camping is also available near Spring Valley at Deer Creek Campground. Motels, a B&B and several dining places furnish more good places to eat and stay over.
As summer draws to a close, enjoy the Wilder Fest Celebration in Spring Valley in mid-August. The entire family can participate or be entertained by a multitude of events which include dancing, contests, a parade, a quilt and flower show, an ice cream social with live music, an historic .....
[Read the Rest]
Spring Grove, MN
In a world of mass-produced, carbon copy, electronic images and impersonal life experiences, fine quality service and warm, friendly people are scarce as hen's teeth. But not in Spring Grove.
Spring G .....
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Rushford, MN
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Peterson, MN
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Ostrander, MN
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Mabel, MN
Frank Adams was the chief const .....
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LaCrescent, MN - Apple Capital of Minnesota
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Published on February 5th, 2014 | by Christian Cawley
Doctor Who Magazine 470 Recalls Matt Smith Era
The new issue of Doctor Who Magazine is out now, and looks back on Matt Smith's four years as the Doctor.
"A big part of me wanted to stay because it's a wonderful job and he's a wonderful character. My life will never be the same. I'll never play another part quite like this…"
Also in this issue:
- Model-maker extraordinaire Mike Tucker and members of the Model Unit talk exclusively to DWM about creating the visual effects for Doctor Who in 1980s.
- Doctor Who's new executive producer Brian Michin writes exclusively for DWM in Production Notes.
- A detailed look at the Fact of Fiction of 1980′s Meglos.
- The Blood of Azrael – the first part of a new comic strip adventure for the Doctor and Clara.
- The Time Team welcome Donna aboard the TARDIS as they watch Partners in Crime.
- A preview of the recently rediscovered The Web of Fear on DVD.
- A review of the newly released Moonbase DVD from Matthew Sweet.
- Jacqueline Rayner debates the ethics of telling the truth to her children in Relative Dimensions.
- The Watcher his favourite Doctor Who planets, and outs another helpless supporting artiste in Wotcha!.
- Reviews of the latest DVDs, CDs and books.
- Competitions, puzzles, and much more!
DWM 470 is on sale from Thursday 6 February 2014, priced £4.99.
One Response to Doctor Who Magazine 470 Recalls Matt Smith Era
Looks like a great issue. I wish it was more easily accessible from the States.


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Meeting guys as a girl doctor?
I'm a doctor working in a clinic, not in a hospital with heaps of other people. So, all I see day to day are patients...How do I meet guys?My friends from med school are all married and don't go out at all, let alone have any single friends...Anyone else in a similar boat?I feel envious whenever I hear of other people meeting people through work...
What's Your Opinion?
Most Helpful Opinion
Doctor, I would recommend not going to the bars since those men aren't of your maturity and caliber. I would recommend that you identify your interests, besides work, and go to those places that have your interests. For example, if you like art, go to an art museum. If you like to cook, take a cooking class. You will definitely meet people at those places. If that's not fast enough for you, try internet dating, although it is more of a gamble.
I agree. Take up a class, go to the gym, there is a website called meetup that has interest groups where you can join and meet others with similar interests... personally--the internet dating thing ....eh... I see it as more of a hassle than its worth.. But hope you see some increase in luck soon with whatever you do... !
What Guys Said 2
As I medschool applicant, I imagine (or hope) Ill be in this boat soon. Keep in mind that guys are everywhere, where ever a pretty girl is at - we have a guy on the scene. Its probably your busy schedule that is obtrusive, because you have less time for hobbies or social events than other people. Don't be afraid to go after someone you randomly meet (like that cute guy you bump into at the bookstore, etc). Good luck.
I'll be your patient!Just kidding. Have you tried online dating? Medical school really is a gift and a curse. I've been on the other side of this coin having been scorned by a med school girl myself. We're still friends, but then again she hardly has time for friendship either.
What Girls Said 0
Be the first girl to share opinion!
Earn 1 extra Xper Point for being the first!!


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Can I register/title/own a car if I have a warrant?
There's no law preventing you from registering, titling or owning a vehicle due to an existing arrest warrant. However, to do so could set you up for arrest.
Every state Department of Motor Vehicle (DMV) office maintains a national data base on driver records. Meaning, they will know when you attempt to register or title that a warrant has been posted for your arrest. And because the DMV works closely with law authorities, the police may be notified of your presence.
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Posted by Gloria on December 16th, 2009
Who would be responsible if a car is sold and the title was not transferred and car was in a traffic accident before title transfer?
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Order in the next 13 hours 45 minutes and select next working day for delivery to mainland UK on Thursday
Bedtime's often one of the most stressful points of the day when children are involved, especially as getting little ones off to sleep isn't the easiest task in the world. Creating a soft, reassuring atmosphere is key to a peaceful sleep for children and a stress-free night for mum and dad.
The Clippasafe Night Light will make sure the nursery is bathed in a warm, comforting glow to help youngsters settle down for the night. It has the added bonus of boosting night-time safety - ideal for when parents are on the stairs and landing checking their youngsters are sleeping soundly.
This item was cheap and cheerful. It could've been a bit brighter though as can't see it being much use unless you have a socket very close to your little ones bed.
Excellent light gives you just enough light to see to little one, and price is really reasonable.
Light is not strong enough.
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From one generation to the next, there are some pretty distinct differences. But understanding them more could help Rockford area businesses. That's at least what one expert on the topic said, and he explained how at this year's Rockford Chamber of Commerce dinner.
"They have different lifestyles," said Bob Girl.
"We like a lot of feedback," said Adrian Epling.
"They don't have children or wives or husbands," said Girl.
"Sometimes the baby boomers aren't used to that so sometimes we feel like we're bugging them," said Epling.
Two employees, same company, very different people. Epling is a millennial, born in the 1980s. Girl is a baby boomer. But despite their differences, they get along perfectly fine. That's not the case for all generations, but most boomers and millennial's do.
"They grew up together, those were their parents," said generations expert Haydn Shaw. "But exerts often feel like they're squeezed out of the lovefest on movies and on music."
Shaw, the keynote speaker at the dinner, says understanding each generation is key for businesses.
"All industries are finding the generations to be challenging because we've never had 4 at one time before.," said Shaw.
In order, that's traditionalists, baby boomers, generation x'ers and millennials. He says boomers and traditionalists have mindsets like, if you're early you're on time and if you're on time you're late.
"A younger gen x'er or millennial may say, 'hey the phones don't start ringing til 9:15 so if I roll in at 9:02 what harm is done?'" said Shaw.
Those different mindsets are what causes problems at companies. But Shaw says there is a solution.
"If we focus on the why we're different instead of the what's the difference then we can make some bridges rather than divide," he said.
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It is impossible to read the Old Testament with any degree of understanding without being struck very early in the record with the fact God had willingly and sovereignly entered into certain binding relationships with Israel. God had taken her to Himself by His redemption of her from Egypt and by His entrance into covenant relationship with her (Ex. 4:22; Amos 3:1-2).
The relationship was and is inward, sacred indissoluble. It is exactly pictured by the marriage between the prophet and Gomer. Never has God forgotten this time of entering into covenant relationship. Hear Jeremiah say: "I remember for thee the kindness of thy youth, the love of thine espousals; how thou wentest after me in the wilderness, in a land that was not sown" (Jer. 2:2). Do you realize what God is saying here and what marvelous grace He is displaying? Unmentioned are the facts that Israel was under galling bondage in Egypt, that she groaned and sighed to the Lord in her pitiful plight that she rebelled throughout the time of the wilderness. The picture is that God was delighted with Israel's love, the love of betrothal, and to think that she would go with the Lord even though it be through a wilderness! God's eye sweeps away in love all the secondary features of the picture and centers His thought upon the glorious fact that Israel became His.
— Charles L. Feinberg


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Blog Archives
Sully Baseball Daily Podcast – September 1, 2014
One of my devoted listeners sent me a Tweet.
@sullybaseball Sunday request… Your reaction to "What's Wrong With Baseball" http://t.co/7tOEV0jTL0
— Daryl Spitzer (@yacitus) August 29, 2014
This terrific Deadspin article accurately looked at baseball's inability to sell itself.
I took it a few steps further, put part of the blame on Bud Selig, who I compared to Jay Leno and William H. Macy's character in Fargo.
But hope for baseball comes, in all places, The Tonight Show with Jimmy Fallon.
Trust me, it all makes sense in this episode of The Sully Baseball Daily Podcast.
Pablo Sandoval, Clay Buchholz, Mike Trout, Alex Wood, Bryce Harper, Alex Cobb, Francisco Liriano and Brett Gardner all added to their totals for Who Owns Baseball?
Sully Baseball Daily Podcast – February 7, 2014
Today on The Sully Baseball Daily Podcast, I pay tribute to two men.
Curt Schilling played the role of the villain in baseball perfectly.
Ralph Kiner lived a full baseball life and was my connection to many facets of the past that are now gone.
To subscribe to The Sully Baseball Daily Podcast on iTunes, click HERE.
To subscribe on SoundCloud, click HERE.
Arizona May Have To Rethink Their Team Salary In The NL West With High Spending LA + SF
By Chuck Booth (Lead Baseball Analyst/Website Owner): Follow @chuckbooth3024
Follow MLB Reports On Twitter Follow @mlbreports
Chase Field is a pretty cool ballpark. The Diamondbacks have been often voted as one of the better organizations in the MLB for how they treat their fanbases for guest services, value and overall baseball experiences.
While the D'Backs finished in 14th for NL Attendance this year, they cracked the 2 Million fan barrier for the 15th straight year since entering the league.
Over the last 8 years, the team has kept comfortably between 2.0 MIL and 2.5 MIL.
Back in the first few seasons of MLB in the desert, the franchise was drawing well over 3 Million fans..
Paul Goldschmidt 2013 Highlights
The Arizona Diamondbacks Best Hitters (1998 – 2013): Part 2 Of A 3 Part Series
Like us on Facebook hereFollow @mlbreports
Friday July.26th/2013
By Chuck Booth (Lead Baseball Analyst/Website Owner): Follow @chuckbooth3024
The Arizona Diamondbacks have been one of the better franchises in the last 15 years, despite being one of the newest teams.
Unlike their expansion cousins the Tampa Bay Rays, that went through 9 years, before reeling off 5 straight winning seasons, the DBacks won the World Series in just their 4th year of existence.
The team has been able to make 5 playoff years in their 14 years. This year, they are right in the thick of the race, so they could possibly add a 6th Post Season Birth to their resume.
The team has lacked a lot of long – term hitters for the club, however they have had their share of big seasons.
From "Gonzo" to "Goldy", we will honor all of these guys in this post.
For Part 3 Of the 3 Part Series: The Franchise Pitchers – click here
The Arizona Diamondbacks: The Best Pitchers 1998 – 2013: Part 3 Of A 3 Part Article Series
Like us on Facebook hereFollow @mlbreports
Friday, July.12, 2013
By Chris Lacey (Lead Baseball Columnist/Minority Website Owner) Follow @aecanada12
The Diamondbacks have had good years and bad years in terms of pitching for their club. The first season for the club which was in 1998, they lost 97 games and 69 of those losses were from the rotation, which caused to finish last in the National West Division.
Their rotation consisted of Andy Benes, Brian Anderson, Omar Daal, Willie Blair, Amaury Telemaco, and Jeff Suppan. The closer for them that season was Gregg Olson.
Click the Link Below to see the Hitters version
The Arizona Diamondbacks Best Hitters (1998 – 2013): Part 2 Of A 3 Part Series
Luis Gonzalez's walk off hit Game 7 World Series 2011
Sully Baseball Daily Podcast – June 25, 2013
Should fans combine their love for a team with the need to heal from a tragedy? Some fans do. Others don't. And both sides should respect the other.
That topic and more on today's episode of The Sully Baseball Daily Podcast.
I give a shout out to the great Susie Felber.
Yasiel Puig, Jeremy Hellickson, Cliff Lee and Michael Brantley all owned baseball on June 24, 2013.
To see the up to date tally of "Who Owns Baseball?," click HERE.
Subscribe on iTunes HERE.
Arizona Diamondbacks: How Good Can Their Rotation Become?
Like us on Facebook hereFollow @mlbreports
Friday, May.31/ 2013
Jake Dal Porto (Baseball Writer) Follow @TheJakeMan24
The Arizona Diamondbacks aren't generally known for pitching, specifically starting pitching, but a trio of young southpaws could remove that reputation.
Of course, I'm talking about Wade Miley, Tyler Skaggs and Patrick Corbin. All three are under the age of 26, and none of them sport more than three years of experience at the major league level.
Miley boasts the most experience of the three with a little less than 1.5 years under his belt. Corbin has made 27 career starts (32 games), and Skaggs made six starts last year and one so far this year. At 21, he's the youngest and perhaps most intriguing of the bunch.
So, we're talking about three pitchers that are affordable and under Arizona's terms through 2018. By that time, the scope of Arizona's rotation could be entirely different. Trades are never out of the question, but for the present, the Diamondbacks' future from a pitching standpoint surely looks brighter than it's been in recent years.
Sully Baseball Daily Podcast – April 25, 2013
The Sully Baseball Daily Podcast today salutes the long and memorable career of Mets reliever LaTroy Hawkins. He has pitched for nearly 20 years, surviving in the game and becoming teammates with some of the game's best.
Edinson Volquez, Jordanny Valdispin, Alex Cobb and J. P Arencibia owned baseball on April 24, 2013.
To see the up to date tally of "Who Owns Baseball?", click HERE.
Subscribe on iTunes HERE.
Sully Baseball Daily Podcast – April 25, 2013
Arizona DiamondBacks Roster In 2013: State Of The Union
Like us on Facebook hereFollow @mlbreports
Saturday, February.16, 2013
By Chris Lacey (Diamond Backs Correspondent) Follow @aecanada12
Arizona Diamondbacks fans had some high hopes coming into the 2012 season after winning the division in 2011 and making their way back to the playoffs for the first time 2007. The 2012 off-season saw them bring in free agent OF Jason Kubel. The season started off great with a three game sweep of the San Francisco Giants, but when CF Chris Young went crashing into the wall to catch a deep ball against the Pittsburgh Pirates the team was never the same. The Diamondbacks are in tough division the NL West, which is known for pitching. They will have to rely on their young starters if they hope to compete with San Francisco Giants & Los Angeles Dodgers. The offense will have to get better with manufacturing runs and instead of depending on the long ball to score runs. They traded away RF Justin Upton and 3B Chris Johnson, but they brought in versatile player Martin Prado and pitching prospect Randall Delgado.
Game #7 of the 2001 World Series – Gonzalez Game Winner – Can the 2013 DBACKS get back to the WS?


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A while back, I was trying to find a free pedometer online. I kept coming up with blank searches and expired offers. However, I landed on one offer from Tylenol's Just Keep Moving Program. If I signed up for it, they said they would send me a pedometer in 4-6 weeks. Well, that time has come and gone. I ended up buying myself a pedometer and forgot all about it.
Well, a few days ago, Mr. Postman brings me something from Tylenol. It is pretty skinny, so I just kind of ignore it, thinking they ran out of pedometers. Well...a little while later that evening, I open the package and find something similar to this inside:
What is it? Why, it is a lovely resistance band! I'm thinking of the low to medium strength. I had just bought some of those too, but mine were tubes that came with handles. This was just a piece of rubber that was cleverly disguised in a large envelope. In other words, perfect to fit in my pocket and take it anywhere!
Now, my gym goes with me everywhere. Yesterday, I took the kids to the park. I needed to work on some ab work. So, pulled the band out of my pocket and used the handy spark exercises for the band to target my abs. The day before, I had it at work. I needed to work my legs, so I tied it to the foot of the desk and did some nice leg work. Anytime people walked in my office, I would stand up, attach the band to my leg and start moving while I was talking to them.
Do people think this is weird? Probably. I'll just say to them, "say hello to my little friend".
I've been watching some videos in anticipation of picking up the latest dance game for the Wii, Just Dance 2. It features a song called "When I Grow Up". It is quite a catchy song that also appears on the Wii game, Hottest Party. However, in Hottest Party, they use a clip of the actual video. To be honest, I can't decide which I like better. The song or the video. The video is smoking hot. Here is a link so you can see for yourself:
Of course, as well as most of these videos on MTV, etc., they don't feature someone dancing on cars that is huffing and puffing, all out of breath. Nor do they feature people, like my former self, who are sitting in grease stained shirts slugging away the 2 liters and/or 12 packs. They feature eye candy. People who look awesome, can move their body, and are confident about it. In case you don't want to watch the video, here is a little picture from the video:
See, as I was saying, eye candy. Fit, firm, and looking sharp. That is the place that I want to be. Sure, we may not all reach the movie or pop star look, but we can shoot for our own personal best.
In watching the video, one lyric popped out at me. "Be careful for what you wish for, because you just might get it". And just to drive that point again, they repeat the second part, "you just might get it". Which bring me to the question, what am I wishing for?
I really need to get this dream collage done and finish defining my goals. Enough slacking. I want them down because I just might get them, I just might get them.
Today, as I walked to work, I was bugged by something, or someone. But, as my walks have been doing for me lately, my thoughts cleared up and the sky started to shine. OK, this is figurative. No, I'm not on LSD or some crazy drug. And no, I'm not seeing visions. I felt a calmness and a realization that nothing and no one is going to stop me from getting to my goal.
I may or may not reach my goal when I want to. That is fine with me. But, I will reach it. I might be crawling there, I might be hobbling there, or I might even be sprinting there, but I'm crossing that finish line.
It is funny, even though I hurt my foot a bit, I'm still kicking strong. I just checked my pedometer; almost 30,000 steps, which is just over 14 miles. Can I say kick ash? Yeah, edited it...just in case.
How did I get so many steps. Well, besides walking to work and back, I also: ran to get some paperwork to a meeting before 10, ran to get some numbers submitted before noon, ran to find a projector for a noon meeting, ran to get some papers faxed before 1, and then ran to get some ice for coffee. Oh, and I popped someone's popcorn for them...nice me. Oh, and when I say ran, I'm talking about the walking, not sweating type of running.
I got home, still motivated to move and did some dancing on the Wii, some boxing on the Wii, and some Yoga, yes, you guessed it, on the Wii. Fun stuff. And now, 30,000 steps later, I feel pretty pumped up and ready for bed.
And just so I don't feel bummed about not running for a period of time, spark people was nice enough to post a fantastical blog about running, which contained a wonderful, wonderful, wonderful story from the New York Times. I'm dropping both links below for your viewing pleasure. Oh, and don't forget to get those 3 spark points for clicking it.
So bottom line, do what I must, I've got that finish line in site. What is after? Why, another goal, of course!
Not that I did this intentionally, but I created a new workout for myself today. For various reasons, I had left my backpack at work on Friday. Today I wanted to bring in some of the delicious Lentil soup I had made yesterday. After scooping out 2 � cups of soup, I started thinking, �how am I going to get this to work without spilling it?� Even though I had a lid for it, I didn�t want to drip any of the precious calories, which I�ve already accounted for, out. So as I�m walking to work, one hand was pumping away, the other hand was carefully balancing the soup. I�d switch hands from time-to-time to balance things out. And guess what? I actually made it to work in record time! Today was the fastest I�ve ever walked here. Go figure.
Technically speaking, I�m not even supposed to be at work today. After all, it is a holiday. But, due to events on Friday and probably tomorrow, I�m going to miss a significant amount of productivity time, so I volunteered to come in today to balance things out. It is a lot easier that way; especially compared to the days I would come early, come late.
On a separate note, the weather here has been awesome. The family went for a nice walk in the woods yesterday. Who knows, maybe I�ll post pictures tomorrow. Today, I walked to work and plan on walking home. Maybe even taking the kids to the park for a bit. I also spent some time digging up a section of the yard yesterday; getting it ready for the garden next year. Everything just seems so much nicer. For one, because it is cooler and less humid. For two, because I�ve lost this weight, been eating right, and getting more sleep; I now have more energy.
Well, I�m off to get some of this paper pushed around. Hope you all have a great day!
OK, so my 10 year pregnancy is almost over. I'm knocking on the door of almost 40 pounds lost. Coincidentally, my son weighs exactly 40 pounds. In other words, for nearly the last 10 years, I've been carrying around more than two preschoolers. Here's a picture of what I've been carrying around, plus two or three more bags of sugar:
equals what I used to weigh.
Now, I'm down almost one preschooler and am feeling great. Of course, now that I've lost that much weight, I'm a lot more energetic. It is funny, because I went to one counselor, who thought I had ADD. I couldn't focus on my work and my mind kept wondering off. Well, this part was true. However, I was getting an average of 4-5 hours of sleep and was over 100 pounds overweight. No wonder I wasn't all there.
As for today, I'm going to take advantage of some of this new energy and try to enjoy this beautiful weather. Had a great day at the park with the kids and wife yesterday and hope to repeat. Maybe even finish up by taking the dog for a nice walk.
Have a great day everyone! As always, happy Sparking!


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New research has found that unresolved problems at home could result in stress at work.» Read More
New York Attorney General Eric Schneiderman's suit against Actavis may have far-reaching implications for other drugmakers.
A U.S. government watchdog reports that healthcare.gov has security and privacy protection vulnerabilities. Reuters reports.
PreferredOne, the insurer that sold nearly 60 percent of all private health plans on Minnesota's Obamacare exchange, will leave that market.
Top executives of Coca-Cola, Bank of America, Aetna and others will unveil a new initiative in Washington Tuesday at the Bipartisan Policy Center.
President Obama will announce a major surge in aid to fight the Ebola epidemic in West Africa, using U.S. military personnel.
About 115,000 people will lose Obamacare coverage by Sept. 30, and another 336,000 risk losing subsidies, officials said.
Few people account for health care costs when planning their savings. These tips will help keep high doctors' bills at bay.
Nearly half of adults have either pre-diabetes or diabetes, raising their risk of other chronic diseases, USA Today reports.
The U.S. has a strategy on Ebola: Increase aid to West Africa and train U.S. medical workers for volunteer duty in the outbreak zone.
Cognizant is buying privately held health-care IT company Trizetto for $2.7 billion in cash, the company announced on Monday.
A N.J. bank will pay $261,500 to settle claims that female workers were denied the family health insurance coverage that male employees got.
Only 15% of pre-retirees have tried to figure out how much money they might need for health care and long-term care in retirement, reports USA Today.
The Argus II Retinal Prosthesis System is the world's first FDA-approved 'bionic' eye, a piece of technology that is helping the blind to see.
Federal health experts say Novo Nordisk's diabetes drug Victoza should be approved for a new use in treating obesity.
JPMorgan's CEO Jamie Dimon finished his radiation and chemotherapy treatment this week, The Wall Street Journal reported.
U.S. regulators are greenlighting a new weight-loss drug called Contrave, the third in a string of approvals for anti-obesity treatments.
The Bill & Melinda Gates Foundation pledged $50 million to support emergency efforts to contain West Africa's Ebola epidemic.
Health insurance premiums for the nearly 150 million people who get family coverage through employers rose a modest 3 percent in 2014.
While calling for the decriminalization of drugs, Sir Richard Branson tells CNBC he does not see the Virgin Group getting into the business of legalized pot.
William Ackman criticized Allergan's board of directors, urging them to "wake up" and at least listen to potential purchaser Valeant Pharmaceuticals.
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TAMPA–Georgia quarterback Aaron Murray tweeted earlier today that he was going "to watch some film/talk football" with former NFL coach Jon Gruden.
"Pretty pumped!" Murray posted.
Gruden is now an ESPN NFL analyst who sits down with NFL draft QB prospects in his "Gruden's Film Room."
Gruden is calling the Outback Bowl with Mike Tirico. He also will break down film of Murrayand Michigan State fifth-year senior quarterback Kirk Cousins for a piece to air on College GameDay on Monday.
I asked Murray and offensive coordinator Mike Bobo to break down Murray's game as he wraps up his redshirt sophomore season.
Murray set a Georgia single season record with 33 touchdown passes. He threw for 2,861 yards and completed 58.8 percent of his passes this season while throwing 12 interceptions. He ranked 27th in the nation in pass efficiency before the bowl games.
"I think I definitely progressed," Murray said. "I think I matured through the season… There's definitely been some bumps and hills, a little roller coaster at times. I definitely think I learned a lot and I think there's still a lot for me to continue to be improving on. I know what I need to do this offseason when it comes with my fundamentals and things like that. It was a great learning year though and I'm excited to finish it off strong and have an awesome season and definitely tear things up next year."
Bobo said Murray has shown "tremendous" improvement since his first season of anticipating throws.
"The interceptions we've obviously had too many of them," Bobo said. "He's done a better job of not taking sacks. We may not have ran as much and made as many plays with our legs. I think the overall process of becoming a better quarterback and going from No. 1 to No. 2 has improved. I still think we've got to work on going to 3 sometimes and sometimes knowing when to take off and then we've just got to be more consistent. We were more consistent than we were a year before but there's still a lot of room for improvement."
Bobo also said Murray can get a bit streaky still at times.
"It has a lot to do with his footwork," he said. "He gets antsy back there and gets off balance. I don't want to change him from him making plays with his legs, which he's done some this year on third downs, but at the same time when you're going to be a pocket passer you've got to be on balance when you throw and I'd say 90 percent of the bad throws he throws are due to his feet most of the time."
Wonder what Gruden will have to say.
–Please follow me at Twitter.com/marcweiszer


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Drug Rehab Florida
Drug rehab Florida offers drug addicted persons the chance to live the life they were meant to have before drugs and alcohol took over. Drug addiction and alcoholism becomes all consuming, robbing the addict of their physical health, emotional stability and financial security. When the addicted individual completes their drug rehab Florida program they will gain more than just sobriety, they will achieve a better wellbeing, sense of self and the ability to stand on their own two feet.
One of the greatest benefits of a drug rehab Florida recovery program is often realized within a week of enrollment. The addict will find that after just one week without drugs and alcohol they experience a number of physical improvements. Their body begins to heal itself and function better than ever without the constant bombardment of harmful substances. Cocaine addicts will begin to build stronger heart muscles, alcoholics will begin to experience an improvement in their liver function and marijuana users will notice increased mental clarity. Overall, there will be a marked improvement in the recovering addicts overall health due to their time at the drug rehab Florida.
With continued abstinence from drugs and alcohol the person in the drug rehab Florida program will notice that their body begins to function better and show signs of recovery. Through a healthy diet and regular exercise they will feel as though they have a new lease on life. Addicts who suffered from problems with their weight will find that their appetite begins to regulate and return to normal. Many drug addicts forego a healthy diet making them calorie, vitamin and mineral deficient. Nutritional supplements are an added benefit to those in the recovery process. Taking daily vitamins and supplements will assist in rebuilding their health from the inside out.
Another added benefit besides the sobriety that is gained by attending drug rehab Florida is emotional wellbeing. Most addicts use drugs and alcohol to mask their negative feelings. They are able to avoid experiencing many necessary emotions by dulling their sense through substance abuse. Through the drug rehab Florida recovery process the recovering addict is able to reconnect with their emotions and fully explore the emotions they have been covering up. Counseling and therapy provided while in treatment aid the recovering person in working through their private and difficult emotional baggage.
Sobriety also brings new friendships built on emotional connections instead of drug and alcohol consumption. This may be new for the recovering persons who in the past have found it hard to connect with others. Many addicts complain of feeling paranoid and anxious while in the midst of their addiction. Drugs and alcohol play tricks on the user's brain causing them to become overwhelmed with suspension and paranoia. Sobriety helps in dissipating and eliminating these psychologically draining emotions. The recovering addict will find that they think more logically than they ever did while using. They will experience more mental clarity as they move further away from being an addict and into being a recovered individual.
The primary goal of all drug rehab programs is to assist the addicted person in achieving lasting sobriety. How this is accomplished may be different depending on the drug rehab Florida you choose to attend. When looking into drug rehabilitation programs you will find that there are different types of treatment methods, lengths of stay and price ranges.
Short term drug rehab Florida treatment programs may last anywhere from thirty to sixty days. Many insurance companies cover some or all of an addict's stay in a short term drug rehab. A long term drug rehab is a program that lasts six to twelve months, or longer. Most insurance companies will not cover an addict's stay at a treatment facility for this extended period of time. It is important if choosing to use private insurance to cover the cost of care that you contact your insurance company directly. It is imperative to have a clear understanding of their coverage polices. By speaking with an insurance representative you will be able to find out what your specific plan covers and what costs will come out of pocket. They may have a list of treatment facilities that they choose to work with.
While conducting your research you will find that some drug rehab programs are considered inpatient and some are outpatient. This term is referring to whether the recovering individual lives at the treatment program full-time or if they attend treatment and then return to their private residence in the evening. It is easy to understand that inpatient is considered a more intensive form of treatment than outpatient. Addicts who have a long history of addiction and/or multiple attempts at drug rehab will find that enrolling and completing an inpatient drug rehab Florida program is the best choice considering their lengthy history of substance abuse.
On the other hand, addicts who are somewhat new to their addiction or have no previous experience in drug rehabilitation may find that outpatient treatment is the right fit for them. They may not need the intensive and constant support of the staff in the treatment center in order to end their addiction. Some addicts are able to maintain their job while attending outpatient treatment and find lasting recovery. For those individuals who fit with a drug rehab Florida outpatient program, it will help them put an end to their addiction problem.
Within these broad types of treatment types (short term vs. long term, inpatient vs. outpatient) there are further choices one can make regarding what principles of recovery are best for them. Some addicted persons find that attending 12-step programs is ideal for them. They benefit from attending meetings regularly and find strength through working the assigned steps. As with most things in life, there is no one treatment ideology that works for everyone. Many addicts do not accept the "disease" principle or the religious component of the 12-step program which is perfectly fine.
Heroin and opiate addicts may choose to enter a methadone maintenance program. While there is a lot of support for these types of programs it is important to remember that it is not recovery from drug addiction. The person enrolled in this type of program continues to take methadone for an extended period of time. In a sense, they are trading one drug for another. Additionally, many methadone users have shared the horrors of detoxing from methadone. It can be a very painful process, often more painful than heroin or opiate detox would have been.
There are drug rehab programs that are center around a more holistic process of addiction recovery. They are often drug-free and put the responsibility of one's addiction in their own hands. These programs give the addict hope that through the recovery process they will no longer have to live with the label of "drug addict" for the rest of their life. The recovered person is able to stand on their own two feet and be a contributing member of their community. They no longer draw from their friends and family but instead make them proud and give back to others.
Many drug rehab Florida programs that are drug-free offer multiple types of physical, emotional and spiritual healing. The recovering addict may be able to participate in things like yoga, meditation, art therapy and relaxation techniques all of which will greatly benefit them once they complete treatment and return to their daily life. Learning how to handle and work through daily stress is a vital part of maintaining sobriety. They may also receive access to a nutritional counselor who will aid them in making healthy choices in their diet. Choosing to participate in exercise is another important part of one's recovery from addiction. Getting the body back into shape helps the recovering person feel stronger physically. It gives them something to do when they are bored and a way to channel their emotions and stress.
While there are many different drug rehab Florida treatment programs to choose from you can know that all of them are working towards helping their clients achieve sobriety and a better life. While it can be difficult to admit that you need help putting an end to your addiction problem, entering treatment is the best choice you can make. The staff will help you in working through the many personal problems that drove you to abuse drugs or alcohol. Often times, the staff at the drug rehab Florida programs know exactly what you are going through because they were once in your shoes. It is common for treatment programs to employ recovered addicts. Recovery is a process that takes time and effort. Enrolling and completing a drug rehab Florida program will give you the help and support that you need to achieve lasting sobriety.
Treatment Admissions in Florida (2009)
In 2009 there were a total of 78,165 admissions into drug/alcohol treatment in Florida (aged 12 and older). There were 80,714 such treatment admissions during 2008. In 2007, there were 52,657 admissions to drug/alcohol treatment in the state.
In 2009, 68% of the total drug or alcohol treatment admissions were Male and 32% were female.
Florida Race/ethnicity Alcohol/drug Treatment Admissions Breakdown
Of the total 2009 Florida drug and alcohol treatment admissions:
- 70.4% were White(non-Hispanic)
- 1.6% were Black (non-Hispanic)
- 18.8% were of Hispanic origin
- 4.9% were American Indian/Alaska Native
- 0.3% were Asian/Pacific Islander
- 4.0% were other race
Primary Substance Abused
Of the total 2009 Florida alcohol or drug treatment admissions:
- 22,158 were primarily for alcohol
- 24,606 were for marijuana
- 1,680 were for heroin
- 11,383 were for cocaine
- 1,297 were for methamphetamine
- 12,347 were for non-heroin opiates
- 1,205 were for tranquilizers
- 160 were for sedatives
- 55 were for hallucinogens
- 3 were for PCP
- 50 were for inhalants
- 3,221 were for other/not specified
Type of Treatment Distribution
Of the total drug and alcohol treatment admissions in Florida (2009):
- 62% was Outpatient treatment
- 3.9% was Intensive Outpatient treatment
- 8.2% was Detoxification services
- 1.8% was Residential Short-term Rehabilitation
- 19.3% was Residential Long-term Rehabilitation
- 4.5% was Medication-assisted opioid therapy
Florida Treatment Admission Age Distribution
Of the total substance abuse treatment admissions in Florida in 2009:
- 26.2% were 12 to 19 years old
- 13.7% were 20 to 24 years old
- 13.9% were 25 to 29 years old
- 10.2% were 30 to 34 years old
- 8.8% were 35 to 39 years old
- 8.8% were 40 to 44 years old
- 8.5% were 45 to 49 years old
- 5.8% were 50 to 54 years old
- 2.7% were 55 to 59 years old
- 1.4% were 60 years and older
Florida Drug Statistics
1. Florida is a key area for worldwide drug trafficking, and a principal thoroughfare for Heroin and Cocaine transiting to the northeastern United States and Canada.
2. In Florida, Cocaine, usually Crack is commonly abused.
3. Nearly 76% (10,164) of Cocaine related admissions in Florida in 2001 were for smoked Crack.
4. The number of Meth lab raids incidents in Florida increased 148 percent, from 128 incidents in 2007 to 318 incidents in 2009, according to data from the El Paso Intelligence Center's National Seizure System (EPIC-NSS).
5. In 2007, there were 2,936 deaths in Florida as a consequence of drug abuse.
6. According to the Florida Medical Examiners, the 2001 Report of Drug Identified in Deceased Persons, there were 1,15 Cocaine related deaths.
7. According to the Florida Youth Substance Abuse Survey, in 2004, Ecstasy was the most commonly used club drug.
8. A report from the Florida Medical Examiners Commission from 2009 showed that nearly 2,300 people died from overdoses caused by prescription drugs last year, up by 7. 9%.
9. In 2011, deaths caused by Oxycodone alone or mixed with other drugs, shot up 28%, as abuse of the Heroin like drug spread from South Florida into other parts of the state.
- Individuals who abuse OxyContin may be attracted to lower priced heroin when their health insurance no longer pays for OxyContin prescriptions or when they cannot afford the high street-level price of OxyContin.
- Individuals who abuse OxyContin commonly crush up OxyContin pills and snort them to get high, getting a hefty dose of opiate all at once.
- Individuals who abuse prescription medication such as Ativan often take these types of benzodiazepines to enhance the effects of alcohol.
- The drugs which currently have the highest levels of past year dependence or abuse among Americans are marijuana (4.5 million), pain relievers (1.9 million), and cocaine (1.0 million).


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Establish Your Financial Priorities (Worksheet Inside!)
Published on - April 5th, 2011 (by April Dykman)
This post is from staff writer April Dykman.
Quick — can you list your top financial priorities?
My top priorities (aside from basic living expenses) are building a house and travel. Those are the two things I daydream about the most, and the two things I try to keep in mind when I'm deciding whether I really need all 10 "hard-to-find" books from the used book store or whether I'm overspending on, say, a $100-compost bin, when there's a cheaper alternative (<—My husband and I built one of those this weekend!).
When we were paying off debt, however, we had a different set of priorities. After the bare necessities, there was paying off the credit cards, then paying off the car, and finally a fully-funded emergency fund. (As I've mentioned before, we didn't start with the mini-emergency fund, which is the best way to go — we were still learning about money and fumbling our way through debt repayment.)
Recently I realized that establishing financial priorities — really defining them and creating ways to keep them in the forefront — is what got us out of debt and has helped us to save up for extras like vacations and building a house. There's no point in scrimping and saving if you don't know what you want to do with the money — whether it's a cushy retirement, owning your home free-and-clear, helping your kids pay for college, or traveling to Barcelona.
Defining priorities improves chances of success
Your priorities are your own, but defining them for yourself and your family is likely to increase your odds of success, especially if you tie them in with big-picture goals. A study on spending habits and goals found that keeping the big-picture reasons in mind improves your chances of achieving your goals. From The Journal of Consumer Research:
People become more close-minded when they focus on logistics, and less likely to take advantage of unexpected ways they can move closer to their goals. But people who focused on the abstract reasons were able to spontaneously take advantage of ways to turn their dreams into reality.
Planning is important, no doubt. You can't daydream about a trip to Spain for months without taking the smaller, concrete steps to save the money for the trip. But the study found that to turbo-boost your planning, you have to think abstractly, keep an open mind, and remind yourself of why you are working toward the goal. So, what are your priorities?
Define your financial priorities
If you've never laid out a plan of how you want your money to work for you, it's time to change that! I advocate making them concrete with paper and pen (of course a computer document is fine, too).
Let's say you are in the zeroth stage of personal finance. You don't have any savings, you live paycheck-to-paycheck, and you're just becoming aware that this lifestyle can't continue without dire consequences. Maybe you want to buy a house, but saving a down-payment seems impossible. First, you have to address your debt and spending habits. Your priorities might look like the following:
Big picture goal: Buying a house
- Priority one: Rent or mortgage payments, taxes, insurance premiums, groceries, and utilities
- Priority two: Car loan, emergency fund
- Priority three: Credit cards, medical bills
This isn't to imply that priority three expenses like credit card debt aren't important, but if you're behind on rent, your top priority is to call your landlord and get caught up on payments (and look for a cheaper place to live, if possible).
If you are in the third stage of personal finance, you'll have a different set of priorities. You don't worry about basic living expenses anymore because you've paid off debt, saved an emergency fund, and live well-within your means. At this stage, your priorities might look like this:
Big picture goal: A trip to Spain
- Priority one: Saving for retirement, taxes
- Priority two: Paying off the mortgage
- Priority three: Vacation savings
I had the hardest time defining my own goals between stages two and three. Like J.D., I paid off my debt, saved an emergency fund, and then wondered, "what's next?" My husband and I stashed the money that once went toward debt repayment and emergency savings in an online high-interest savings account. We weren't sure what else to do!
When I read about opening subaccounts at ING Direct, the idea resonated with me. I wrote out a list of priorities, created a subaccount for each one, and gave them designated percentages based on importance. For example, saving for a house might get 20% of the money saved after we'd paid for living expenses and other obligations.
Reevaluate and reestablish
Personal finance goals will change many times as you enter different stages in life, and not just different personal finance stages. Times to reevaluate your priorities might include the following life changes:
- Going back to school
- Moving
- Getting married
- Getting divorced
- Having a child
- Having a second child
- Losing a job
- Getting a promotion
- Changing careers
- Starting a business
- Sending kids to college
- Caring for an elderly relative
- Retiring
Until writing this article, I hadn't always considered how many changes warrant a review of our financial goals. My husband went back to school a year ago, for example, and that would have been a good time to reevaluate, but we didn't think about doing it. It's a good way to buy yourself some peace of mind, though. No matter what life throws at you, reestablishing your goals will give you a financial road map to follow.
Ready to get started? Nonprofit credit counseling agency Money Management International is providing a free financial goals worksheet (scroll down) as a part of Financial Literacy Month. You can use it to plan for short-, mid-, and long-term goals, including cost estimates and target dates. After you've filled it out, print it and write your big-picture goals at the top of the page (to take advantage of thinking in the abstract). Revise as needed!
I think my financial goals are a lot like your April.
My wife and I just dumped all of our debts, and now our new goal is purchasing a house (with a 20% down-payment) and paying cash for my wife's education.
It's going to be tough, but they're still fun to pursue!
We only have a few goals right now.
- pay down mortgage
- save for early retirement
- raise a kid
The problem with pay down mortgage is the huge amount. We are working on it. The problem with saving for retirement is a bit different – How much is enough? It's a tough question to answer and evaluate.
I also got the idea of the ING sub accounts from here and it has been HUGE for us. We were absolutely stagnating for years since we'd paid off all credit card and student loan debt and fully funded our EF.
Now we have separate accounts for the EF, car replacement, kids' tuition, and vacation funds. Although we actually have more money in total savings now we definitely feel poorer which has been a wonderful motivator to increase savings.
We have been using those Vertex42 spreadsheets for a few years as well. Really great tools and an awesome alternative to online services that could potentially be breached (and all your financial data being at risk).
I should really look at the Money Mgmt Template a little more. I found it to be more work (which it is) over some of their monthly budgets sheets which we fully utilize.
My fiancee and I are starting to combine finances, so we're starting to look at our shared long-term financial goals. Luckily, we're mostly on the same page, although I tend to want to put a higher % of our earnings in long-term savings (retire early!) and she tends to want to put more in short-term savings (travel the world!). We'll find a balance, I think.
We've discussed the sub-account thing a few times, and plan to make separate savings "buckets" for travel, house repairs/upgrades, and an emergency fund, all independent of our retirement savings, of course. We plan to use a service she found called Smarty Pig, which seems to work a lot like the sub accounts in ING with the added bonus of being able to set an amount that's your "goal" for a certain account.
I think of my financial priorities in even bigger buckets (which are then broken down into smaller buckets). This helps me think about WHY we have the goals we have.
I'm incredibly risk averse. So security is a big umbrella. Education is another big umbrella. Growth (I like to watch things grow) is a third.
-Retirement savings
-Earn a lot
etc. with the subgoals broken down into action points as you've done.
I think that we may have stolen that from David Bach.
hsbc does the sub-accounts too for their online savings- i've got like 10 of them. one for my wedding, one for my fiancee's wedding present, a travel fund, our change jar/couch fund, emergency fund, etc, etc.
one thing the article didn't bring up- the ENORMOUS satisfaction of buying something you saved up for for-EVER! i saved up for a $650 gift for my fiancee- steep for my pittance of an income- and buying it was so rewarding, because i knew i had worked hard, put aside the money specifically for that purpose for over a year, and that i could afford it without thinking twice. WOO FINANCIAL RESPONSIBILITY! the best part is it wasn't huge $50 and $100 contributions, although that helped- it was mostly $5 and $10 a week where i could spare it, that just added up. <3
it's such a nice change from closing your eyes and handing over the charge card when the bill comes.
Another great tip for goal setting: Write down three goals (long-term, short-term, whatever) on an index card and keep it in your wallet. Whenever you buy something, you have a tangible and visible reminder that you're saving for goals. When I'm tempted to spend money on some impulsive or unnecessary thing, having the card in my wallet is a good reminder that there are better things I could be doing with my money.
Love this tip or is it a hack, sometimes I get rusty on my personal finance parlance…I will definitely be using this. As the family money manager, I think this will come in more handy for me, hubby just uses his allotted cash allowance.
I'm looking forward to reading the comments on this one. I'm trying to make a list of financial goals and it feels like I'm missing something…it'll be helpful to read what other people have come up with!
Here's what I've got so far:
-bigger house when the kids are teenagers
-pay off husband's school loan
-college for the kids
-enough retirement savings to not have to worry about money
-replacement car when the scion dies
-braces for the kids
-better home/lawn maintenance than we've done in the past
Any suggestions? I'm toying with adding in a for-later goal to increase our charitable giving. We've already met my first goal in that regard, which is why I want to move on to some other goals next.
I would suggest setting up a timeline. Which comes first — braces or replacing the car? Then put the biggest percentage towards the first thing on the list, tapering back to the smallest percentage on the last thing. This works like the debt snowball; once the first thing on the list is fully funded, roll the percentage into the next or readjust the whole string, but just keep moving on down the line.
That's a good idea. I spent the morning messing with numbers, and wound up doing sort of what you suggest: shorter-term priorities are getting taken care of soon, longer-term ones are either getting put off a bit longer or getting partially funded, depending on importance. After price-checking with a friend, I took braces off the list, since we'll probably be able to pay for that out of pocket when the time comes. (and if not…well, straight teeth aren't a NEED.)
My kids are still very young, so we've got a bit of time to play with. I think I'm going to start the college fund when my son starts kindergarten, and in the meantime work really hard on getting some extra retirement savings socked away.
I am going to suggest NOT to get a bigger house when the kids are teens. What you should do instead is add on a pool room to your house. Kids will actually spend less time in their rooms and more time with their friends playing pool! My parents did it and when we all left—they tore the room down–lol. We added the room- but it stays for visits:>)
That's an interesting idea. One reason I want to get a bigger house (as you rightly guessed) is to make it easier for them to have friends over, and a game room or something like that might be a decent solution if we aren't able to move just then. We could probably convert the garage if necessary. It could be the "I've got to get away from the sibling I share a room with" room. Thanks for the suggestion!
Excellent article. Defining your priorities and knowing what you want is important. It gives you targets to shoot for in your life. Personal finance is all about utilizing your resources efficiently so as to take advantage of the things you really want.
Well, my wife and I have our financial goals figured out. They include:
-paying down the mortgage,
-putting money in our retirement accounts,and
-saving for our Hawaiian vacation.
Those are the main goals that we have at the moment, and I am interested in working out other financial goals.
My top financial goals would be:
Pay off consumer debt (about a year out)
Save for pilates equipment instructor certification
Pay off student loans
Save for wedding stuff
What motivates me is knowing that once I have my consumer debt paid off I can quit my current job and teach pilates full time:) having a light at the end of the tunnel is very important for me.
My current financial priorities look like:
1) Buy house (in progress)
2) Fund six month mortgage buffer account.
3) Replace wife's car.
4) Fund 529 account.
If I get all of those done, I'm buying myself a Cadillac or BMW.
Things like "pay bills and buy groceries" are just assumed and don't get listed as a financial priority any more than I'd list "keep breathing" as a fitness priority.
Is #4 related to any big changes coming up?
Tyler, you are a hysterically funny although sometimes sarcastic oddball!
I agree, I felt rent/mtg. as a fiscal goal was funny and unnecessary. But now that I think again – in this beleaguered post-recessionary market amid all the lay-offs and crushing debt that American households are carrying – people may be tempted to pay the minimum payments on their cards, because credit card companies are very good at being "Chicken Littles" …the sky is going to fall if we don't get our money.
I think when it comes down to it, finances are all about priorities.
For some people, their priority is to be satisfied NOW! Fast food, CDs, movies, clothes, etc. They give you immediate satisfcation, and money's meant to be spent, right?
Others of us are more for the "delayed gratification". Saving up for our dream house, dream vacation, or the idea of retiring early (60, 50, 40, 30, whatever!)
The problem is, most of us don't really know what our priorities are. So we spend too much on fast food, where we really care more about clothing. Or we are putting too much into our dream house, instead of saving more for that awesome vacation.
Our current priority is simply to continue to resist any lifestyle inflation as our income grows – we've lived on about $4,000 a month consistently while our incomes have risen substantially, and all savings go to income-producing investments. Our spending will probably go up when we have kids, but the philosophy will remain unchanged. We don't have any specific savings goals because we have everything we need, and if we decide to buy something major (very rare), we have the cash for it.
This is awkward. I posted a piece on prioritizing today too. It looks like I have a somewhat different perspective.
I recently wrote an article myself on budgeting, and learning to expect the unexpected. This is sort of in line with what you are saying. You need to know ALL of your expenses, and then seriously prioritize them… its amazing how often people put their wants before their needs.
My brand new shiny goal is to survive divorce. Finances are going from being pretty darn good to being very uncomfortably tight… Not looking forward to it on many levels
Fairy Dust–
I am so sorry about your divorce. Mine was (finally) finalized. Being able to manage my own money without worrying about someone else spending what was in the account, was a great and amazing change in my life. In the short term, I had to spend a lot and borrow a lot (two moves in a short period of time– I couldn't afford the place we lived in together on my own, a change in jobs where I now make less money (also pay less rent!)) but I have stabilized and am now paying down my debt, a goal my ex never really supported.
I wish you the very best of luck!
I love the worksheet, thanks for the link! Our goals right now are to continue to save for retirement and daughter's college, and we plan for one big family vacation a year. Usually it's overseas, but this year it's Disneyland!
Hey fairy dust, hang in there. I was in your shoes about six years ago. I made some financial mistakes post-divorce, but even so, things got better. If I'd planned more it would have helped, so you're on the right track!
Our top financial goals are:
Pay off consumer debt
Save for a new home
Retirement fund
College fund (youngest child)
Pay off college loan (oldest child)
This was a great article. I really enjoyed it and getting ideas from other comments. Thanks for sharing!
Another good thing about setting goals and establishing timelines is that you can determine where goals conflict with one another. Want to send your children to college and retire early? Braces or a bigger house? If you determine how much these goals will require financially, you may realize that you can't do both. That's the uncomfortable reality a lot of folks in their forties and fifties are discovering now, and one of the main reasons so many people's retirement programs are underfunded.
A very good point, Catherine. Retiring early isn't one of our goals, not just because my husband and I are lucky enough to like our jobs, but because we are saving for our daughter's college, and I spent over a decade paying off my own grad school student loans. Love what I do for a living now, would still rather retire early, but it's just not in the cards given my choices!
I recently did some reflection on priorities as well. I thought I'd share in case it helps anyone else
I'm in the 3rd stage and had multiple sub accounts with an automatic monthly saving contribution. However what helped me can help anyone at any stage.
If you're struggling to figure out what your current priorities are or haven't given it much thought I'd recommend listing out what you pay first and what you put the most $ towards. That's what you're treating as most important in your life. Then decide if it should be treated that way. From there you can make adjustments.
That technique helped me realize I was spending and saving on things I didn't really care about and neglecting things I cared a lot about (my retirement savings!).
It's funny this post is up here. I read this site quite often. Always getting some great advice or saying, "yeah that works," to myself. My wife and I moved for my current job, bought a house and a few years later have a couple wonderful kids. My job is now allowing me to be virtual and my wife has a job opportunity elsewhere that will allow us to both work, but have one of us with the kids full time, which is what we think is best for them. We are loosing money in our house and have been thinking of trying a short-sale now that we have an opportunity.
Our Re-evaluating Financial Priority is to save money, but we just cannot make that happen on 1 income and our mortgage. We can pay our bills, but saving money for the future is a very slow process, though we are saving. Getting this job for my wife will really pull us ahead.
Anyone have thoughts, comments or opinions on this type of situation? We are 90% moving… but not sure how to go about this. Rent, Short, Walk?
Jason, when you say you are losing money in your house, do you mean that you couldn't sell it for as much as you've put into it? That is, maybe you put down $80K and have since paid out $60K for a total $140K invested, but the market would only support a sale price of $120K.
Or do you mean that it's currently appraised for less than it was appraised for when you bought it? That is, it was valued at $200K when you bought it and is now valued at $160K.
There's a difference, isn't there?
I've just heard a lot of people recently talk about how they "paid" X dollars for their house two years ago, and in reality they put down a 5% down-payment. 5% of X isn't X.
In my view, mortgage payments are basically rent that you pay to a bank vs to a landlord. If you have to sell a house for less than its purchase price, you still have received value for your money in having somewhere to live, so as long as you get back the amount of your down payment and don't have to give the bank extra cash to get out of the contract, you're not really "losing" money, are you?
These questions intrigue me as a happy non-homeowner.
I definitely would love to see an article here about this specific type of situation, since a home purchase is probably the most common financial mess that people have gotten themselves into in the past ten years.
Hi Chacha1,
Yes, and article about this would be great.
We bought our place about 5 years ago for $200k. We are going to get it appraised here again to see what we are looking at… but we've been told if we could get $160k for it, we'd be doing really well. We owe, $184k on it. We put down $10k originally.
If I was able to use hind-sight, I would have rented a tiny place and saved my money for a huge down or total payment for land and put up a yurt. That is where we are going now… That is our Financial Priority. We do really well with debt. We own just about everything we have besides our home. If we don't own it, we only get something on time if 0% interest is involved and we feel we can make a $50 a month payment for 2 years, think washing machine for diapers . We never float a CC bill and always get $10 airline tix with it etc…
blah blah… thanks for asking. I am hoping to read more on this type of situation in the near future on GRS! Anyone ?
Assuming you can afford the mortgage payments, you should stay put and see if your wife can get a job locally. Here's why–even assuming your bank lets you do a short sale, you have no guarantee that you can sell the house. Your credit will be trashed and you still have to pay for moving expenses, rent deposits, etc., and it sounds like your savings are not great. Naysayers, I hear your guffaws, but the real estate market will recover and that is the time to sell.
Speaking of yurts, Molly on Money is making one out of junk-mail. http://firstgenamerican.com/2011/03/29/how-to-make-a-junk-mail-yurt/ This is actually her second yurt.
>There's no point in scrimping and saving if you don't know what you want to do with the money
interesting… I scrimp and save and don't know what I'll want to do with the money, but it doesn't feel pointless. Maybe I will want to start a business, maybe spend on hypothetical kids' tuition someday, maybe for retirement, maybe to take a year off work and pursue interesting artistic projects or volunteer work. And I can think of plenty more possibilities, but in the meantime the savings are growing and I'm not too worried about how it will be spent, nor do I feel a lack of motivation without a clear goal.
Saving the money is the hard part; coming up with a worthwhile way to spend it — easy.
I totally agree with this. Money finds a way to be spent. We used our unplanned saving to finance a year at half pay for sabbatical. Worth every penny, but we wouldn't have had such a leisurely year off if we hadn't been saving without a purpose for several years in a row.
That said, I do think that people who have difficulty saving are more motivated if they have a concrete reason to do so.
I know what you mean – some days it seems like I'm saving for no reason. But in your twenties, saving is to build wealth for what you don't know will happen in the future. I made a retirement age spreadsheet that tells me based on returns and contributions when I can retire. By myself and with no kids, I could retire at 50. One way to interpret that is that I could do whatever I want at 50, but why wait? That number tells me that I could work at a slower pace starting at 40 and then go into a stronger retirement at 60.
Personally, I'm saving for complete financial freedom – when I can live off of my savings and investments for the rest of my life. And that's a pretty awesome idea to think about.
This is a hard one for me! My husband and I did a list of things we want to do, and it was a mile long! I threw it away just yesterday because it was too overwhelming. If I had to narrow myself down to top current priorities, they would be:
-start saving to buy a house within 5 years
-buy a car with cash before having our first kid
-start investing
-build an emergency fund (this is my least favorite haha)
But what really motivates me is the idea of someday owning a large, resort-style home on the beach here in Mexico so that my family and friends will always be vacationing at my house. Dare to dream…
I'm in a similar position. I am 28 years old and a few months away from paying off my student loan debt, after which I will be debt free(!)
This means extra cash flow, and I am thinking about getting a roommate to reduce housing costs. But for what purpose? I have already established a healthy emergency fund and am investing about 25% of my take home for retirement.
That question of not knowing the purpose is also part of the excitement – part of financial freedom. To me, financial freedom is being able to make reasonable life choices that are best for me without worrying about financial implications. If I never get married, it's nice to have that extra cash to purchase a home by myself. If I decide to move and take a while to resettle, I'll be OK. Or if I take years off from work to be with my kids, it'll be easier on me and the spouse.
So maybe that money will translate into a wedding, and/or a 20% downpayment on a small home 5-7 years from now, and/or I'll decide to splurge on an index fund that has a high threshold (I've been eyeing alternative energy index funds but don't have the 25k minimum Vanguard is asking for.)
Ultimately, and against my natural inclination to plan plan plan, I'm reminded that you can only go so when pre-planning your buckets depending on where you are in life.
1. My biggest goal is to pay down medical debt. Its a little hard to get my head wrapped around it because it grows monthly. I do want to reduce it by 80% somehow.
2. Build an emergency fund.
Have you called to negotiate the medical debt? They're often able to reduce it.
I've done as much as I could. I think part of it is because its chronic (not just a one time thing), they are not able to do much.
This is all after my insurance covers their part, etc. I still have my monthly premium on top of that which is not cheap.
My Goals:
- Pay Off Debt!
- Increase savings/retirement accounts.
- Pay for a nice vacation yearly (in cash).
Long-Term Goal:
- Save for a really nice down payment on a home (buy in 2-3 years)
One should keep their bank statements and trace every month how much cash comes in and how much goes out.
Lawrence Bergfeld


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Lately lots of little birds have been coming to our yard. So we built a seed / bread holder for them with scrap wood and farming wire.
posted 08 March, 2011
I built a rolling keyboard stand to keep our studio tidy and functional.Lullatone loves clean desktops!
posted 28 January, 2011
DIY iPhone tripod adapter made from craft wire and a rubberband.( inspired by this version )
posted 15 January, 2011
I built a very simple DIY reading lamp for Yoshimi.
posted 11 January, 2011
Homemade cardboard house
posted 06 May, 2010
Scaffold theme by Mike Harding.


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You must try these classic and chic Ray-Ban 5245 5082 Havana Crystal eyeglasses. These wayfarer style eyeglasses come in light havana brown acetate with transparent clear interior. For additional comfort, these also come with flexible spring hinges.Close
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Exponential Moving Average - EMA
Definition of 'Exponential Moving Average - EMA'
A type of moving average that is similar to a simple moving average, except that more weight is given to the latest data. The exponential moving average is also known as "exponentially weighted moving average".
Investopedia explains 'Exponential Moving Average - EMA'
This type of moving average reacts faster to recent price changes than a simple moving average. The 12- and 26-day EMAs are the most popular short-term averages, and they are used to create indicators like the moving average convergence divergence (MACD) and the percentage price oscillator (PPO). In general, the 50- and 200-day EMAs are used as signals of long-term trends.


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Azul Airlines plans to fly internationally for the first time between São Paulo, Brazil, and several cities in the U.S., starting early next year, the Brazilian regional airline announced Wednesday.
Yesterday's tax auction by the Brazilian government of a Bombardier Challenger 300 and Dassault Falcon 900 at Viracopos Airport in Campinas, Brazil, failed to garner the minimum bids of $12.85 million and $5.05 million, respectively. Another auction will be scheduled, possibly by year-end, with lower minimums that have not yet been determined.
Brazilian tax authorities will auction a Challenger 300 and a Falcon 900 seized last June, supposedly imported by Brazilians without payment of customs duties, on November 25. The 17-month seizure-to-auction cycle is rapid for Brazil, which is working to clear Viracopos Airport of aircraft that deteriorated to scrap while the courts debated their fate.
When Brazilian President Dilma Rouseff signed a decree in December last year permitting the private construction and operation of airports, it opened the way to major changes in the country's airport infrastructure and operations, with São Paulo state as a primary launching pad.
Brazilian tax, police and aviation authorities joined forces to seize nine business jets last week, and they have targeted 13 more aircraft. According to officials, Brazilians allegedly own and use the jets but registered them overseas to avoid Brazilian state and federal import taxes of nearly 35 percent. Foreign-registered airplanes can remain in Brazil for up to 60 days without paying import duties.
Jet Aviation has announced that it will invest between $8 and $10 million to build an FBO at Viracopos Airport in Campinas, about 62 miles from São Paulo. The operation will be Jet Aviation's first in Latin America and will offer aircraft maintenance and ground services.


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Here's a contest after my own heart(beat): Guitar Center Atlanta is one of 25 locations nationwide to host the quarter finals of their 24th annual Drum-Off contest. The rhythm-fest, at 7 p.m. Tuesday, is free to attend.
At the event, 11 store winners from Georgia and the Carolinas will compete for the chance to advance to the semi-finals on Nov. 20 and the finals, Jan. 19, in Hollywood, Calif. Each contestant will receive five minutes of set up time and three minutes to perform on a five-piece kit. Evaluation criteria includes skills, technique, style and stage presence.
The grand prize is pretty impressive – $25,000 in cash, a custom drum kit, an endorsement deal and a feature in Modern Drummer, among the perks. And if you aren't convinced of the contest's reach, consider this – past winners include the awesome Cora Coleman-Dunham, who has played with Prince and Beyonce, Thomas Pridgen of The Mars Volta and Tony Royster Jr., who has played with Jay-Z and Paul Shaffer.
Guitar Center is located at 1485 Northeast Expressway, Atlanta.
October 30th, 2012
11:19 am
A friend of mine is a SoCal quarter finalist. Hope some of y'all get to compete against him.
November 4th, 2012
12:45 pm


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Genre: Series, Silhouette Desire, Current Series Imprints
Is there any author who plays doctor better than Barbara Boswell? I dont think so, and her latest goodie proves it. A feisty scrub nurse finally gives in to her feelings for her boss, the BACHELOR DOCTOR (4.5), a surgeon determined to remain single until the age of 40. And then, of course, he will choose a suitable bride, not an independent female who gives as good as she gets. Boy, is he in for a surprise Chalk up another surefire winner from Ms. Boswells diverting pen.
Reviewed By: Melinda Helfer
Publisher: Silhouette
Published: July 2000


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Woodsball Teams
The BT Rangersare an international grassroots movement, with Chapters in Canada, the United Kingdom, and the United States. The BT Rangers promote the Band of Brothers methodology by promoting safe, fun, and responsible paintball play, and by adopting a philosophy of No Ego. The BT Rangers goal is not to win, but to ensure that those around them have a great, safe time, and to ensure that by example the No Ego philosophy is served on the field to all players regardless of age, skill level and marker or gear choice.
The BT Rangers were formed after the founders realized that there were far too many teams trying to "make it". It became apparent that being the "best", or winning was the only focus and that the enjoyment of the game was being forsaken in the pursuit of glory. This was not something that the original BT Rangers enjoyed or agreed with. The initial principles of Ethos over Ego was born.
4 Reviews of BT Rangers Paintball Team
The Empire/BT Rangers will be at PRZ Paintball near Picton, Ontario on Mar. 31. Come on out and join us where we will fight it out in an abandoned military hospital. See the link for more information on the field:
The Empire BT Rangers will be at Skirmish's "Invasion of Normandy" (IoN) on July 13 -15, 2012. Come and join us as we and the Allies push the Germans out of 'Normandy'!
The Empire BT Rangers will be out in force fighting for Alien supremacy and promoting the Empire BT name!
Come join us, stop in and say hi!
The very next time I read a blog, Hopefully it won't disappoint me just as much as this one. After all, I know it was my cchioe to read through, but I actually believed you would have something useful to talk about. All I hear is a bunch of crying about something that you could fix if you weren't too busy looking for attention.


text: Comments on: Ethics committee extends investigation of Roskam Back to the article » Associated Press • | July 26, 2013 | 12:28 pm WASHINGTON (AP) — The House Ethics Committee says it is extending an investigation of Republican Rep. Peter Roskam of Illinois. The committee says it received a report from the Office of Congressional Ethics, an independent investigative body, and has decided to extend its investigation of Roskam. The committee says it will announce its course of action on Roskam in September and says extending... Web URL: http://washingtonexaminer.com/article/feed/2109275 Share this article on Facebook or Twitter Print this article


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