text:
New bootcamps of CCIE Data Center, CCIE Collaboration, CCIE Service Providers & CCIE Security are starting in October, 2014
For the 14 years, the acronym "Corvit" has commanded veneration not only in Pakistan the perfectionist in Computer Network Education – but throughout the subcontinent. Corvit is committed to the cause of providing excellent Technical education standard with the modern form of Instruction. For the last one decade, our production of highly skilled Professionals has proven our commitment and dedication regarding Computer Networks literacy. We provide an encouraging and supportive environment which grooms the perception and technical intellect of the individuals. Our aim is highlighting the inner potential of students to develop a competitive character to face the professional world.
Corvit Systems is renowned nationwide for the high quality of its education and training courses. Many of our clients took their first computer training course with us at introductory and beginner level and have progressed with us to advanced and expert levels. ur impressive customer base and high customer satisfaction ratings are a result of our total commitment to quality and value. For those people who don't have much time and prefer to work on their own, we can now offer on line computer training programmes to suit all levels.
Being the trend setter in Computer Networks training, Corvit has great training packages and instruction methodology for individuals, foreign students, corporate and universities. There is a long list of our local and Foreign Corporate clients, who have been facilitated by Corvit's traditional training heritage. Corvit has evolved its programs through regular research of the IT training demands of the industry. Our work and experience with the corporate world has motivated our approach to training beyond certification. We provide courses in a friendly and supportive learning environment with special emphasis on "hands-on" training. More >>>
Routing & Switching
CCIE Routing & Switching
Juniper JNCIA-ENT
Juniper JNCIP-ENT
Huawei HCDA
Huawei HCDP
CCNA Voice
CCNP Voice / CCVP
CCNA Security
CCNP Security / CCSP
CCIE Security
Service Provider
CCNA Service Provider
CCNP Service Provider / CCIP
CCIE Service Provider
Network Design
CCNA Wireless
CCNP Wireless
Learn to Unwire
SEO – Search Engine Optimization
MPLS – Multi-Protocol Label Switching
CCNE – Corvit Certified Network Engineer
PMP - Project Management Professional
Project Management for IT Projects
CISA - Certified Information Systems Auditor
ITIL - IT Infrastructure Library
CEH - Certified Ethical Hacker
Structured Cabling (UTP & Optical Fiber Cable)
Six Thinking Hats
Who Moved My Cheese / Change Management


text:
Understanding Location-based Services (LBS), Technology, and the LBS Ecosystem
- Language: English
- 54 Pages
- Published: October 2012
The key applications for people tracking solutions in the consumer and enterprise market segments include mobile workforce management, lone worker protection, offender monitoring, family locator and telecare services. Learn more about the business opportunities associated with people tracking solutions in this 120 page report in Berg Insight's LBS Research Series. Get up to date with the latest information about vendors, products and markets.
People Monitoring and Safety Solutions is a comprehensive report from Berg Insight analysing the latest developments on the people tracking markets in Europe and North America.
This report in the LBS Research Series from Berg Insight provides you with 120 pages of unique business intelligence including 5-year industry forecasts and expert commentary on which to base your business decisions.
This report will allow you to:
- Profit from 30 new executive interviews with market leading companies.
- Identify key players on the European and North American people tracking solution market.
- Learn about the latest propositions from family locator service providers.
- Understand the opportunities and challenges for mobile telecare alarm devices.
- Anticipate future drivers for uptake of mobile workforce management services.
- Predict future trends in lone worker protection services.
- Realize the commercial potential of emerging segments including offender monitoring.
Who should buy this Report?
People Monitoring and Safety Solutions is the foremost source of information about the status, future market trends and technology developments on this market. Whether you are a vendor, telecom operator, investor, consultant or application developer, you will gain valuable insights from our in-depth research.
About the Author
André Malm is a senior analyst with a Masters degree from Chalmers University of Technology. He joined Berg Insight in 2006 and his areas of expertise include location based services, personal navigation services and wireless M2M markets. SHOW LESS READ MORE >
Executive summary
1 Overview of people location solutions
1.1 Handsets and location device solutions
1.1.1 Handset-based location solutions
1.1.2 Dedicated people location devices
1.2 Market segmentation
1.2.1 Mobile workforce management
1.2.2 Lone worker protection
1.2.3 Family locator services
1.2.4 Medical and telecare location solutions
1.2.5 Offender monitoring
1.3 The regulatory environment in Europe and North America
1.3.1 European privacy regulations
1.3.2 Privacy and location data regulations in the US
2 Technology overview
2.1 Mobile network location architectures and platforms
2.1.1 Location architecture for GSM/UMTS networks
2.1.2 Location architecture for LTE networks
2.1.3 Control plane and user plane location platforms
2.1.4 Probe-based location platforms
2.2 Mobile location technologies and methods
2.2.1 Cell-ID
2.2.2 Enhanced Cell-ID
2.2.3 RF Pattern Matching
2.2.4 E-OTD, OTDOA and U-TDOA
2.2.5 GNSS: GPS, GLONASS, Galileo and Compass
2.2.6 Bluetooth, NFC and Wi-Fi positioning
2.2.7 Hybrid, mixed mode and indoor location technologies
2.2.8 Theoretical limitations of positioning technologies
2.3 Handset software platforms
2.3.1 Android
2.3.2 iOS
2.3.3 Windows Phone
2.3.4 BlackBerry OS and BlackBerry 10
2.3.5 Samsung's Bada platform
2.3.6 Symbian
2.3.7 Brew Mobile Platform
2.3.8 Java Micro Edition
3 Family locator and medical alarm solutions
3.1 Overview of demographics and common medical conditions
3.1.1 The ageing population
3.1.2 Medical conditions
3.2 Mobile family locator services
3.2.1 The European market
3.2.2 The North American market
3.3 Handset location apps and services
3.3.1 Network-based handset location services
3.3.2 People location apps for smartphones
3.4 Consumer oriented location devices
3.4.1 General purpose location devices
3.4.2 Child locator devices and services
3.4.3 Mobile telecare and mobile PERS devices
3.5 Company profiles
3.5.1 GTX Corp: GPS device and app developer for asset and people location
3.5.2 Ilico.net: Pioneer of handset-based services for locating people
3.5.3 Life360: Expanding from family locator apps to broader security solutions
3.5.4 Location Labs: White-label safety app developer expanding beyond the US
3.5.5 TeleCommunication Systems: Leading provider of end-to-end LBS solutions
3.5.6 Amber Alert GPS: Specialises in location devices for children
3.5.7 Buddi: Mobile telecare vendor entering the UK offender monitoring market
3.5.8 Garmin: Leading navigation device vendor entering personal location market
3.5.9 Everon: Developer of GPS wristwatches for telecare and lone workers
3.5.10 Lifecomm: Developer of health and wellness devices for active seniors
3.5.11 Limmex: Swiss telecare wristwatch vendor ramping up sales in Europe
3.5.12 Loc8tor: Tagging and tracking devices for locating assets, pets and people
3.5.13 Location Based Technologies: Creator of the PocketFinder locators
3.5.14 LoJack: Leading SVR provider entering the telecare market
3.5.15 Lok8u: Specialises in GPS wristwatches for children and seniors
3.5.16 LOSTnFOUND: Swiss asset tracking vendor entering the telecare segment
3.5.17 PFO: Fashion accessories with integrated personal alarm
3.5.18 SecuraTrac: Focuses on white-label B2B location solutions
3.5.19 Securus: Focusing on the US personal safety and security device market
3.5.20 SPOT: GPS locator and satellite messenger devices from Globalstar
3.5.21 Tramigo: TLD landmarks facilitates people location without using maps
4 Workforce management and lone worker safety services
4.1 Employment statistics
4.1.1 Employment by industry
4.1.2 Vehicle fleets, mobile workers and lone workers
4.2 Mobile resource management solutions
4.2.1 Mobile workforce management services
4.3 Lone worker protection devices and services
4.3.1 Lone worker legislation and standards
4.3.2 Lone worker protection services
4.4 Company profiles
4.4.1 Actsoft: MRM veteran expanding sales through app stores
4.4.2 Airclic: Specialises in software for logistics and field service companies
4.4.3 ClickSoftware: Expanding MRM to the SMB segment with cloud services
4.4.4 CommonTime: Offers platform for customisable enterprise mobility apps
4.4.5 Contigo: Develops hosted platform for tracking and safety applications
4.4.6 Econz Wireless: Specialises in hosted WFM for the SME segment
4.4.7 FollowUS: Pioneer of handset location services in the UK
4.4.8 Genasys: LBS platform developer and provider of MRM solutions
4.4.9 Panaramix: Complementing low cost WFM with consumer apps
4.4.10 Peoplesafe: Focus on managed lone worker services for the private sector
4.4.11 PocketMobile: Customisable WFM for medium- and large organisations
4.4.12 Reach-U: LBS platform vendor offering WFM service for all handsets
4.4.13 Skyguard: Provider of end-to-end lone worker safety solutions
4.4.14 Telenav: Handset navigation provider seeking growth in MRM services
4.4.15 TrackaPhone: Device agnostic platform for WFM and lone worker services
4.4.16 Trackem: Cloud-based resource management for the SMB market
4.4.17 Vismo: Specialises in security apps for international travellers
4.4.18 Xora: Specialises in cloud-based WFM and fleet management services
4.4.19 Blackline GPS: Moving from consumer to business location services
4.4.20 Connexion2: Identicom device shipments has surpassed 100,000 units
4.4.21 Geonovo: Developer of the Romad RSP-100 lone worker device
4.4.22 Laipac Technology: Expanding from asset tracking to people tracking
4.4.23 SafeLinQ: Location devices for the consumer and business markets
4.4.24 Sonim Technologies: Manufactures the world's most rugged handsets
4.4.25 Twig Com: Complementing TWIG devices with indoor location technology
5 Electronic offender monitoring
5.1 Offender monitoring programmes
5.1.1 Electronic offender monitoring in Europe
5.1.2 Electronic offender monitoring in North America
5.2 Offender monitoring service providers and devices
5.2.1 Monitoring service providers
5.2.2 Offender monitoring and tracking devices
5.3 Company profiles
5.3.1 3M Attenti
5.3.3 GEO Group
5.3.4 iSECUREtrac
5.3.5 Omnilink Systems
5.3.6 Satellite Tracking of People
5.3.7 SecureAlert
6 Market trends and forecasts
6.1 Market trends and drivers
6.1.1 Ageing population will drive sales of mobile telecare solutions
6.1.2 Rise of smartphones boosts workforce management service adoption
6.1.3 Stricter legislations fuel lone worker protection market
6.1.4 Electronic offender monitoring aims to reduce costs of corrective systems
6.2 Market forecasts
6.2.1 Consumer oriented people tracking solutions
6.2.2 Enterprise workforce management services
6.2.3 Lone worker protection services
6.2.4 Offender monitoring solutions
List of Figures
Figure 1.1: GPS handset shipments (World 2006–2011)
Figure 1.2: Smartphone shipments by vendor and OS (World H1-2012)
Figure 1.3: Bracelet and watch tracking devices
Figure 1.4: Tracking device infrastructure overview
Figure 1.5: Lone worker protection devices
Figure 2.1: Location architecture overview
Figure 2.2: Cellular frequency reuse pattern
Figure 2.3: Cell-ID location methods
Figure 2.4: Performance and limiting factors for key positioning technologies
Figure 3.1: Population by age group (EU27+2 and North America 2010–2020)
Figure 3.2: Number of people suffering from various medical conditions (EU/US 2012)
Figure 3.3: People location services marketed by mobile operators (EU27+2 2012)
Figure 3.4: Operator marketed people tracking services (2012)
Figure 3.5: Third party people tracking services using Cell-ID (EU27+2 2012)
Figure 3.6: People tracking and location sharing apps (August 2012)
Figure 3.7: Consumer oriented people tracking devices
Figure 3.8: Examples of consumer people tracking devices and vendors (2012)
Figure 3.9: Examples of child tracking devices (2012)
Figure 3.10: Mobile PERS devices
Figure 3.11: Examples of mobile PERS and medical alarm devices (2012)
Figure 4.1: Employment by industry (Europe and North America 2012)
Figure 4.2: Examples of mobile workforce management service providers (2012)
Figure 4.3: Workforce management services marketed by operators (2012)
Figure 4.4: Lone worker categories
Figure 4.5: Examples of dedicated lone worker protection devices (2012)
Figure 4.6: UK alarm receiving centres capable of monitoring lone worker alarms (2012)
Figure 4.7: Lone worker protection service providers (UK 2012)
Figure 4.8: Lone worker protection service providers (EU27+2 and North America 2012)
Figure 5.1: Electronic monitoring programmes in Europe (EU27+2 2012)
Figure 5.2: Examples of offender monitoring solution providers (2012)
Figure 5.3: GPS-based offender monitoring devices
Figure 6.1: Smartphone sales by region (2011–2016)
Figure 6.2: Family locator users and revenues (EU27+2 2011–2016)
Figure 6.3: Family locator users and revenues (North America 2011–2016)
Figure 6.4: Mobile telecare users and revenues (EU27+2 2011–2016)
Figure 6.5: Mobile PERS users and revenues (North America 2011–2016)
Figure 6.6: Workforce management users and revenues (EU27+2 2011–2016)
Figure 6.7: Workforce management users and revenues (North America 2011–2016)
Figure 6.8: Lone worker protection devices and services (EU27+2 2011–2016)
Figure 6.9: Lone worker protection devices and services (North America 2011–2016)
Figure 6.10: Offender monitoring systems and revenues (EU27+2 2011–2016)
Figure 6.11: Offender monitoring systems and revenues (North America 2011–2016)
Family locator services to reach 70 million active users in Europe and North America by 2016
According to a new research report from the analyst firm Berg Insight, the number of active users of family locator services in Europe and North America is forecasted to grow from 16 million in 2011 at a compound annual growth rate (CAGR) of 34 percent to reach 70 million in 2016. In terms of number of users, family locator services is the largest segment for people monitoring and safety solutions based on either GPS-enabled smartphones or dedicated cellular/GPS location devices. Many parents are now discovering free and low cost apps that can turn a smartphone into a location device that enable monitoring of family members such as children or elderly. Growing adoption of smartphones has also enabled rapid uptake of business-oriented location apps, such as workforce management services that can improve operational efficiency in organisations with mobile employees. Industry sectors leading the adoption of workforce management include construction, distribution, healthcare and companies with extensive field services operations. Dedicated location devices can be better suited than smartphones for some people location services. Numerous device vendors address the needs of people caring for persons suffering from various medical conditions, such as autism and other cognitive limitations, epilepsy, cardiac problems and diabetes. Another market for dedicated people tracking devices include systems that assist seniors living at home or in care homes. These systems are usually called telecare systems or social alarms in Europe and Personal Emergency Response Systems (PERS) in the US. Berg Insight estimates that there are already 5 million users of the first generation social alarms connected to wireline networks in Europe and North America. "The addressable market for the next generation mobile social alarms is large as seniors are becoming increasingly active", says André Malm, senior analyst at Berg Insight. He adds that the design of mobile telecare devices is very important since the wearer should not feel embarrassed by having a device that can be perceived as age-defining.
- 3M Attenti
- Actsoft
- Airclic
- Blackline GPS
- ClickSoftware
- CommonTime
- Connexion2
- Contigo
- Econz Wireless
- FollowUS
- Genasys
- GEO Group
- Geonovo Developer
- iSECUREtrac
- Laipac Technology
- Omnilink Systems
- Panaramix
- Peoplesafe
- PocketMobile
- Reach-U LBS
- SafeLinQ
- SecureAlert
- Skyguard
- Sonim Technologies
- Telenav Han
- TrackaPhone
- Trackem Clo
- Twig Com
- Vismo
- Xora Specialises

subset: commoncrawl


text:
An 18-year-old skateboarder has died after crashing at about 40 kilometres an hour during a downhill race on Auckland's North Shore.
The man was racing in a heat of four at the Sugar Factory Outlaw competition at Birkenhead when he lost control of his longboard just after midday on Sunday.
The competition was being held on Colonial Road, which leads down to the Chelsea Sugar Refinery.
The man, who has not been named, was coming out of a corner when he cartwheeled and landed on the back of his head, Sergeant Andrew Wright told 3News.
Medical staff could not save him.
Skaters must wear helmets in the competition and police say they are treating the man's death as an unfortunate accident.


text:
I watch this video and notice that no one wore a helmet or pads, thus factoring into the "fail" title. I didn't used to wear pads or a helmet. I didn't want to spend the money on them. I didn't want to spend the time putting them on. I wanted to be free, and I felt that pads inhibited that feeling.
Then I went to the E.R. I was skitching, the first time I had done it. The car and me holding onto the spoiler reached 25mph. Then I got speed wobbles and I jumped off with the intention of running to a halt. I fell and rolled. I wore a tank top and shorts at the time and had gashes all over my body. There was a circular area on my kneecap the size of a silver dollar that had no skin. I could have touched the bone if I wanted to.
Some people don't wear pads because it's not cool. Being macho is sometimes dumb. Those people are too insecure to admit to themselves that their bodies are frail (in comparison to asphalt, concrete, and steel). Now watch this video as see person after person fall and get hurt.
Image Source: lat34, mediacarbonated


text: MADISON, Ill. – For racers and spectators alike, the 2010 Gateway International Raceway drag strip schedule provides a full season of great events, including more Bracket Championship Series races and more Outlaw All-Stars races. The season kicks off March 6-7 with the NHRA chassis certification, with the first race of the year being the annual Icebreaker on Saturday, March 20. The first Midnight Madness Presented by Monster Energy Drink is the following Friday, March 26. A total of seven stand-alone races for the Gateway Bracket Championship Series have been scheduled, with the NHRA Sportsman Challenge also counting towards bracket points. One of the new changes for 2010 has been the inclusion of several Thursday night slick tire test-and-tunes. "Our NHRA Drags Street Legal Style Presented by AAA runs with our Street Car Shootout Series and our Doc's Harley-Davidson Quick Street Bike Series and we heard from our racers and spectators that they wanted an additional night for slicks," said GIR Drag Strip Manager Rich Schaefer. A popular addition to last year's schedule was the Outlaw All-Stars, a day of heads-up racing focusing on racing for the trophy with the fastest car going to the Winner's Circle. After hearing from the fans in the offseason, eight OAS races have been scheduled for this year. "We started the Outlaw All-Stars after our track historian, Bret Kepner, did some research and created a format that would be compelling to both the racers and the fans," Schaefer said. "We at Gateway and certainly the drag racing community feel Bret did a great job with the program and we hope to improve on the series in 2010." Most of GIR's bigger events, such as Muscle Car Reunion and Nostalgia Drags, MegaBuck$, and Monster Mopar, have retained their usual dates. One big change, however, has been the moving of the All Harley Drags Association event. In the past, AHDRA's brand of two-wheeled excitement ran in the spring, but due to weather issues, the three-day event has been moved to Sept. 24-26. For the full 2010 Gateway International Raceway drag strip schedule, click here: http://www.gatewayraceway.com/2010_DragSchedule.pdf. Race fans can follow all the action throughout the season at Gateway International Raceway on its official Twitter site at Twitter.com/GatewayRaceway and its official page on Facebook, Facebook.com/GatewayRaceway.


text:
When I was in Korea, I stayed for a few days with a Korean family. The best food I ever had was the seonjiguk that my host mother cooked. I sorely miss it and I would love to have a recipe to make it here at home in Indiana.
Maangchi forums:
Introduce yourself
General discussion
Recipe requests
Los Angeles Korean food lovers
Dutch Korean food lovers
Malaysian Korean food lovers
Reader recipes
Korean event listings
Korean restaurant reviews
Maangchi.com recipes by category:


text:
Volume 26, number 6
November/December 2006
Rock On, Rovers!
Download this issue as a PDF
(Planetary Society members only)
6 Where Would We Be Without Carl? Ann Druyan reflects on Carl Sagan's impact 10 years after his death.
12 Photographing Mars: Jim Bell shares his favorite images from Spirit and Opportunity.
3 Members' Dialogue Letters to our article authors
4 We Make it Happen! The Planetary Society and the Mars Phoenix lander
19 World Watch NASA budget; Venus Express
20 Q&A How is "sea level" defined on other planets?
20 Factinos Saturn's rings and small moons; exoplanets galore
22 Society News Special discounts for members
Our Curiosity Knows No Bounds!
Become a member of The Planetary Society and together we will create the future of space exploration.
Fly to an Asteroid!
Travel to Bennu on the OSIRIS-REx spacecraft!
Join the New Millennium Committee
Let's invent the future together!


text:
Tropical Shake
You can make this drink at a moment's notice when you have a handy supply of banana slices in your freezer. Simply toss fresh slices in lemon juice, and freeze up to six months in zip-top freezer bags.
Yield: Makes 4 cups (serving size: 1 cup)
More From Southern Living
Nutritional Information
Amount per serving
- Calories: 154
- Calories from fat: 2%
- Fat: 0.4g
- Saturated fat: 0.2g
- Monounsaturated fat: 0.1g
- Polyunsaturated fat: 0.1g
- Protein: 4g
- Carbohydrate: 36g
- Fiber: 1.8g
- Cholesterol: 0.9mg
- Iron: 0.4mg
- Sodium: 41mg
- Calcium: 116mg
- 1 medium-size ripe banana, cut into 1-inch slices
- 2 teaspoons lemon juice
- 1 medium mango, peeled and cut into pieces
- 1 1/2 cups pineapple-orange juice, chilled
- 1 (8-ounce) container nonfat vanilla yogurt
- Toss banana with lemon juice; drain, reserving lemon juice. Place banana slices on a baking sheet, and freeze 1 hour and 30 minutes.
- Process frozen banana slices, reserved lemon juice, mango, 1 1/2 cups pineapple-orange juice, and yogurt in a blender until smooth, stopping to scrape down sides. Pour into chilled glasses; serve immediately.
My Notes
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Tropical Shake Recipe at a Glance
- COURSE: Beverages, Beverages, Nonalcoholic
- CONVENIENCE: Kid-Friendly, No-Cook, Quick/Easy, 5 Ingredients or Less
- CUISINE: American
- MAIN INGREDIENT: Fruits
- DIETARY CONSIDERATION: Low Cholesterol, Low Fat, Low Saturated Fat, Low Sodium
- COOKING METHOD: Blender
- PUBLICATION: Southern Living
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S'mores ShakeOxmoor House
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text:
New Members Round Table
New to NCLA and the New Members Round Table?
Consider us your welcoming committee.
Upcoming NMRT Events
NMRT sponsors and co-sponsors a variety of events to meet new colleagues and greet old friends across the state. Our events are open to all NCLA members. Join us and make the most of NCLA!
NMRT Networking Event in Troutman (Just North of Mooresville)
Join us for a tour of the Troutman Library at 7pm. We will then head to nearby Daveste Vineyard for "Thirsty Thursdays" and free local music until 9pm. Bring a blanket and a picnic to go with wine available for purchase by the glass or bottle.
Thursday, Sept. 18, 2014 - 7pm
Venue Information: http://bit.ly/1oI6Tnh
Check out some of these great benefits we offer our members!


text:
Back in 1999, Jewel released a Christmas album that went platinum, and now she's returning to the holiday music scene with a new Christmas album, Let It Snow , due in December.
Billboard reports that the 12-track disc will feature classics like the title track, "Have Yourself a Merry Little Christmas" and "Silver Bells," as well as two original songs: "It's Christmastime" and "Blue Crystal Glow." She co-wrote the latter track with Joe Mardin , son of Arif Mardin , the man who produced her 1999 Christmas disc.
Jewel tells Billboard that she had an "amazing time" making the record, noting, "The great thing about Christmas music is I can cover a lot of territory, from country to jazz style vocals to classical music, arias. That's what drew me to the last one....And it's fun writing Christmas music; you get to write in a more classic style and not have to think about current radio or current trends."
The singer, whose February Greatest Hits album featured a guest appearance from Kelly Clarkson , will be seen as a judge on the new season of NBC's music competition show The Sing-Off , which will air at some point later this year.
Copyright 2013 ABC News Radio


text:
As often controversial filmmaker Harmony Korine readies his latest film entitled Spring Breakers, VICE recently released a short-form documentary spotlighting beach antics coinciding with the American right of passage of a similar name. The exploration of Panama City Beach examines the eight week period when hundreds of thousands of students take over the usually sleepy beach town. VICE catches up with the mayor, the chief of police, the owner of the largest club in the United States and an evangelical street preacher who protests spring breakers with a bullhorn at the beach and notes that "Spring Break is just another excuse for people to sin."
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text:
The Light at the End of the Tunnel
Published on - March 15th, 2009 (by J.D. Roth)
This is the third of a five-part series about the "stages" of personal finance. In the first part I described the zeroth stage of money management, in which I was fumbling in the dark, spending compulsively and accumulating debt. Last week I described the first stage, in which I finally saw the light and began to repay my debt. Today I share what happened next.
Last night at dinner, my friend Mike told me about his exciting day. "I drove thirty minutes to Hillsboro because a local credit union was opening a new branch," he said. "This weekend they offered a special deal to new customers: an 11-month certificate of deposit at five percent interest."
"Wow," I said. "If I'd known about that, I might have opened one too!"
"You should have seen the line of people," Mike said. "It was amazing."
What amazed me, however, was that I not only knew what Mike meant, but that I also regretted missing a chance to move my savings someplace they could earn higher interest. I felt like this was another sign that I'm in (or past) the second stage of personal finance.
Before my financial awakening, I wouldn't have had money to save. I was still accumulating debt. (What's more, I had no idea what a certificate of deposit was. And if I had known, I would have thought it was boring.) During the first stage of money management, I had some inkling about CDs and CD rates, but I still didn't have money to save. My extra cash all went to repaying debt.
But I've spent the past fifteen months in the second stage of personal finance. Now a five percent certificate of deposit is exciting. The very thing that might have once seemed boring now seems fun.
The light at the end of the tunnel
In December 2007, after I paid off my consumer debt, I felt lost for a few weeks. For more than three years, I had been working toward a single goal: debt elimination. I had learned to pinch pennies, sacrificing momentary pleasures for a higher objective. But now that my debt was gone, I didn't know what to do.
Ultimately, however, the transition from the first stage of money management to the second was less difficult than I feared. For one thing, I had already developed solid financial skills while working to get out of debt. By cutting my expenses and increasing my income, I had generated free cash flow of over $1000 a month. Back in the zeroth stage, when I was living paycheck-to-paycheck on $42,000 a year, I could never have imagined freeing up $1000 a month. Yet in just over three years, I did just that.
Once my consumer debt was repaid, that $1000 a month was available for other uses. The old J.D. would have immediately used it for fun and games. The new J.D. was smarter. I used this money to begin saving and investing, to begin building wealth. Since the end of 2007:
- I've increased my emergency fund from $1000 to $12,000. To do this, I took the money I had previously been applying toward debt and funneled it into savings.
- I've begun to save for other goals. I'm saving for a new car, and have also begun to save for vacations.
- I've been teaching myself about investing, and have started to save for retirement. I opened a Roth IRA and a 401(k), and each year I contribute the maximum I am allowed.
- I've taken the skills I had learned in the first stage, and have turned them into habits. The things I did in order to save money to pay off my debt, I now do because they simply made sense.
- Most of all, I've learned to be satisfied with the things I have instead of longing for the things I don't. A rich life comes from family and friends, not from owning more Stuff (or new Stuff).
For me, one of the toughest battles of the past fifteen months has been the tendency to be too frugal. I've sometimes crossed the line from frugal to cheap. I think this is natural for those of us who once were compulsive spenders. We react by swinging too far in the other direction. That's okay. As long as we're able to use these moments of miserliness as learning experiences, they're not bad. I'm not sure that the second stage is the place where we search for balance (I think that's for the third stage), but it's where we become aware that spending too little can be as much of a problem as spending too much.
As I say, this second stage is fun. It's exhilarating. I get a thrill out of seeing how much money I am paying myself instead of paying to other people. I enjoy imagining what my savings will allow me to do in the future. It will let me spend more time reading and writing. If I'm lucky, it may allow me to retire early.
A solid foundation
I've been a slave to metaphors during this series. I keep searching for some image to help me convey the journey from financial ignorance to financial independence. Today I want to try out one more (the first one I ever used).
Money management is like building a home. During the first stage, you clear the construction site, hauling away debris and rubble, and getting the area ready to build. During the second stage, you pour the foundation. You've eliminated your debt and you've begun to restrain your bad habits; now you can establish a solid foundation on which to build the financial home of your future.
A fat savings account and fully-funded retirement plans are not objectives themselves. They're tools to help you accomplish the things you really want. For me, they're the keys to financial independence, which is the fourth stage of personal finance.
Note: This series is intentionally less "polished" than most articles at Get Rich Slowly. It's a chance for me to think out loud, to explore the stages of personal finance with you, the readers. Photo by Jenny Downing.
This article is about Basics, Psychology, Real-Life
Yes, I think that one important thing to remember is that we always need some investment money available to us so we have money to invest in those deals of the century.
"I've been a slave to metaphors during this series."
Come on J.D. was that on purpose or an accident? Thanks for the metaphor fodder I'll be teaching poetry, similes and metaphors this week and I'll use this one.
Wow, good points! When we reached this stage (just 3 months ago!!), we were so much more interested in finding the best savings rates and accounts. Nothing more about spending it on Stuff!!! I'm also like you in tending to go toward cheap, bypassing frugal. I've got a wonderful husband that keeps me in check with great common sense!!!
Good series JD and congrats on being debt free and well on your way to prosperity.
I agree that the 'getting out of debt' phase builds fiscal muscles and mindsets that allow us to handle the new 'free money' each month.
I'm still anticipating, but I imagine there is great joy and relief to be spending and saving YOUR money for YOUR purposes… saving for a new car or vacation is so much more fun than hacking away at a Visa payment.
Good luck and keep us posted as to your progress.
My spouse and I will have our house paid off in November, and we don't have any other debt. I understand that "What do we do now?" feeling. Do we travel? Do we splurge on something big? Do we keep socking money away? We're both in our early-40′s and have most everything we could ever want. The options are overwhelming.
This is a good series J.D. These posts are very inspiring to anyone who is trying to get out of debt and live a debt free life.
You have come a long way. Congratulations!
"For me, one of the toughest battles of the past fifteen months has been the tendency to be too frugal…"
Whew! Then I'm not alone! A year and a half ago I went through a divorce and found my financial house in ruins. I have been unyielding in my goal to NEVER live paycheck to paycheck and NEVER build up debt again.
Last week I reviewed all of my financial records for the past 18 months wondering what percentage of every dollar that has landed in my pocket has gone to debt elimination or savings. My gut feeling was 15% but after much analysis I was quite wrong. The actual number was just over 30%!
Considering that about 50% of my net pay goes to mortgage and utilities, I was left wondering… just what AM I living on and am I getting way TOO cheap?
When I thought about it, I still go out to eat every other weekend, partake in my favorite activity skiing twice a week (thanks to my well used season pass) and really do not want for anything. Now I'm left wondering, just what WAS I spending all that money on previously?
Thanks to all the great advice and encouragement from GRS to help me keep the faith. Due to my new financial situation I'm taking advantage of the great "fire sale" occuring on Wall Street to build the 401k retirement that I should have been working on years ago.
I know the feeling. When we paid off our consumer debt it coincided with my husband receiving a raise. so not only did we have the money we had been paying debt with but we had a good bit more from his raise. I didn't know what to do with it. We ate out a little more and of course we were saving the money, but I sort of felt like "Is this it? Is this what I do the rest of my life? Just save?" But that feeling generally went away. I realized saving could be exciting too. It was nice to get up in the morning and not worry about debt and know that if something did happen you could pay for it.
But my suggestion for using some of the new found savings is to apply it in areas of your life you might have neglected. In our case that was our house. There were some things we fixed that needed fixing and helped increase the value of our home (or at least kept it from depreciating because of further damage). Maybe your car needs some repairs or your kid needs some tutoring or something you may have put off? Another good use of the extra money is to give it to a worthy cause. That was one of the more rewarding things I did with my money once I finally had some extra. It really felt good to give back even if it was just $20.
I just arrived at the point of having paid off all the credit cards and have doubled my loan payment towards a home equity loan which put a new roof and windows on the house. I am doing calculations on adding to the mortgage payment to get it paid off in 12 years instead of 30. And trying to decide if all the costs are worth getting a lower interest refi (from 6.75) just to save $100 or so a month the bankers tell me. I feel like I need to move fast because I am already 46 years old (my fingers will barely let me type that number) and I came late to having any financial wisdom. Anyway, it is very interesting to read about others' journeys. Especially how people arrived at the decision to be happy with having enough stuff already. We are a consuming society and everyone around me seems consumed with the idea of getting more and better stuff. I suspect I have traded my spending obsession for a saving obsession but will have a long road to finding that balance you spoke of JD. For now I will just bask in the knowledge of having put $555 between me and any looming emergencies.
Congratulations J.D ! Just don't forget to enjoy the ride to the third or forth stage and try and enjoy the scenery.
I'm in the forth stage (or whatever)and without wanting to sound self-pitying (it pales of course into insignificance especially nowadays) but here be vultures too !
Congratulations on your milestone. I've lived well below my means the past 2 1/2 years to rid myself of consumer debt. If all goes as planned (ya right!), I'll have my house paid off.
I haven't considered yet as to what to do with the extra money, but my life now holds better promise than before.
What I find hilarious is reflecting on what I was buying before I switched my way of living. I can't really find the things I bought and for some reason, don't miss the things I use to do. I guess getting older and having experienced frugality for some time makes you see life differently.
Hi J.D.
I tried stopping by the credit union on Friday, as well.
I couldn't even make it through to the cookies, let alone new accounts.
I overheard one of the agents telling another customer that they'd offer rainchecks on some of their offers.
There are some areas of this stage which are a part of my life, but I think I am still in the previous stage more than I am in this stage. That's okay…I'll get there. Everything takes time.
I'm glad you can see the light at the end of the tunnel and you have finished the stage. At this moment i can barely see a pale light somewhere far in the dark. I'm striving to get there.
JD you were featured in my local paper, Baltimore Sun, yesterday. Congrats!
One thing I can't wrap my head around is… how could you or anyone max a 401 (15.5k) and fully fund a ROTH (5k) on 42k a year? That's more than half of the gross salary and way more than 1k extra a month.
JD, I love your down to earth writing style and personable posts. I think your blog is definitely one of my favorites on any topic, but especially personal finance. I do, however, have a suggestion for your metaphor. When you write your book, I'd like to submit that, as an architect, your metaphor needs one more piece: the plan. You can clear your site and get it ready without a plan, but once you start pouring the foundation, it's very helpful to have at least a general idea of what your house will look like. I think that in personal finance, it is the same. Even if all your plan includes is the thought that you'll fully fund retirement, or that you want to travel with family, or to pay off your house in full. Without a goal (you had one while you were clearing the rubble, the goal of eliminating debt), there is a good chance of pouring the wrong foundation.
My husband and I are finding this ourselves, that once the debt is cleared, at least one long weekend of talking and dreaming and getting our heads around the idea of making plans for our future was an invaluable step. Obviously your plans include saving for retirement and paying off your house… Just a thought of how your great metaphor could be refined.
Thanks for the great blog!
JD, I love this series and as John said above, it's very inspiring. I've been saving and paying off debt for a few years now and bought my first house a year ago.
Unfortunately, I couldn't save as much as I wanted at first because I was accumulating "stuff" for the new house, but the last few months have been a complete joy! I've spent sparingly on things that I want and I've been executing a great plan to be debt free by next year (minus the house of course).
As Dave Ramsey says, I'm saving with gazelle like intensity.
This post has really caused me to think about what my long term goals are specifically. One of the most inspiring things about Dave Ramsey's philosophy is that we are creating a legacy and I TRULY want to get to the stage where I can gladly and willingly give as much as I can to help my family and friends because that is what it's all about! That is how you create a legacy!
I feel as if I'm in a 'hybrid' second stage. I've paid off my credit card debt, and while I still have student loan debt looming, I've begun saving money in earnest (I'll have to work part time next year to account for school). I'm reveling in watching my savings accounts grow, because in the past—when I was spending up to 110% of my income—I didn't have the discipline to allow money to sit and earn interest. I believed this was completely out of my power, and that I (like my parents) would never have control over my money.
Now I know that I can live frugally (but well), I can work an extra job (or two) to get myself to where I need to be. I'm not there yet, nor am I even a full-fledged 'member' of step 2. But I'm on my way, and the journey itself is incredibly fulfilling.
Sandy said:
"One thing I can't wrap my head around is… how could you or anyone max a 401 (15.5k) and fully fund a ROTH (5k) on 42k a year? That's more than half of the gross salary and way more than 1k extra a month."
This is what I don't understand either…
42-15.5k (pretax)
26.5k – 5k (let's pretent pretax)
21.5k – 12k (1k per month of extra money, pretend no taxes)
9.5k (Let's pretend no taxes)
Means that your bills, food, etc are less than $800 a month? Am I missing something?
Love your blog, J.D. One of the better ones I read. Congrats on the important milestones!
Many good suggestions went in by your readers.
I was one of the lucky suckers who scored a rain check at the credit union's grand opening last Friday. (Have an appt to return tomorrow to finalize the deal). Was it ever crazy!!
Who'd have thought 18 months ago that we savers would clot all roads into Hillsboro just for a 5% CD anyway…
Stick with your goals. It only gets better (and lots more fun) from here.
I agree that the 'getting out of debt' phase builds fiscal muscles and mindsets that allow us to handle the new 'free money' each month.
Being a little lost after completing a goal of paying off debt is a good problem to have.
I think what JD is trying to say re: the retirement accounts is – he makes way more than $42k a year now and thus is limited by law on what he may contribute.
JD – I assume GRS is organized as some sort of LLC or S corp? Why not set up a solo-401(k) for yourself – you can contribute the max deferral and an "employer" match for yourself.


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Toronto, ONCanada
Hometown: Toronto
April 21, 2011
No introduction yet
Hi Kuni - We are looking for programmers. Taking a little different approach. What do you think? http://bit.ly/jnpbrp
we're starting next saturday as it's outdoors. Hope the weather gets nicer...
Just wonder if you'd like to come to play some beach volleyball at st.clair/christie. We have weekly games on a sand court in front to wychwood barns every saturday 11:30am-1:30pm.
Hi Kuni, do you play beach volleyball?
Hey Kuni, Hope to see you again this year at one of the events! The Message Board is very active with members looking for tennis partners. Or you can start a new discussion with what you are looking for and location. Either way it will be great to see you again Kuni!
Welcome to Introvert Social, kuni.
welcome kuni. will look forward to hitting the ball together at some point.
I am 15 minutes from Churchhill, you have time to play next week ?
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Claude Monet (French, 1840-1926). Weeping Willow, 1918. Oil on canvas. 51 5/8 x 43 7/16 in. (131 x 110.3 cm).
It's texture is not confined to the two-dimensional plane of the canvas. Even the fact that Monet worked with peaceful—textbook peaceful, I mean—doesn't mean that he, in any way, lessened their emotional impact on the viewer. It almost feels too intimate. These were his gardens. At the end of his life, he decided to create his best work at a place he loved. And the love he had for the nature he saw everyday, and the dance of light and color through leaves and off of the water could only be as powerfully represented as they are here by someone who was in love.
The are areas of pink and orange on the trunk of the weeping willow call the eye to the left side of the painting, balancing out the chaos of the tangle of green and yellow of the leaves and branches where the eye can easily become lost. The application of purple and dark blue oil to the lower left portion of the canvas (the part that is closest to the picture plane) is much heavier than that of the branches and leaves. Although there is almost a completely central light coming from above, that corner is almost completely in shadow—that is accentuated by the almost exclusive use and layering of dark hues (this is really the only placed in which they are so boldly employed).
This isn't simply an application of paint. This is molding and carving out a very real, three-dimensional place. The layered-sweeping gestures that make up the leaves gives them weight, but does not make them heavy.
Was he trying to share the peace he found in his gardens with a mourning country? The secluded place that was his own…he could only understand that beauty and peace through capturing it on canvas; a camera would never do. A camera would miss the soft wind and the way the light played in the leaves as the garden moved into the afternoon of a summer's day.
Could this be a love letter from an old, broken-hearted man to the country he loved in the wake of a devastating war (he signed the painting the day after the Armistice was signed in 1918)? This, to me, was his bouquet of roses—to take the pain of a war and translate it into a lamentation of color and light. This doesn't mean that there should be no room given to grieve—there should always be that space, but there should also be light and hope at the end of the war. Too many boys in the trenches did not live to see the spring. He offered this painting like he would a glass of wine…a toast to those lost. Beauty in the vacuum of post-war France. The colors do not hide the pain. Rather, I think that they acknowledge a sorrow that transcends the landscape—areas of dark and light that dance and move the viewer throughout the painting without hindering the experience of it. The brushstrokes move with the eye: a lead in the waltz with Monet himself.
claude monetmonetweeping willowfrench impressionismMY ART FEELINGSmuseum notes


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So I discovered that the entire groundbreaking, timeless, brilliant film is free on youtube.
Instructions for those who have not seen Koyaanisqatsi:
1. Stop what you are doing immediately.
2. Turn volume up high.
3. Watch Koyaanisqatsi.
4. Bask in silent astonishment.
5. Thank me.
Honestly, this is one of those life-changing works of art which you will simply and honestly never forget. I fondly recall my first viewing, laying prone in front of a laptop in a cabin on a mountain at night and feeling my astonishment overtaking all physical sensation. This truly begs for the big screen, or at least a reasonably large one, with a reasonable sound system accompanying the visuals. Yet its artistry thrives in any time, place, or size. Which is exactly why I am sharing the profound discovery that it is free to anyone willing to pay only time and curiosity. Hell, if you have firefox with adblock plus, you won't even see the ads (and honestly, get it – I couldn't imagine this seamless dream interrupted by commercials) and the only thing you're missing is the absolute clarity of the original high fidelity print. You'll undoubtedly recognize certain elements within this time travelling all-encompassing slice of Life Itself, both stylistically and culturally. From the frenzied time-lapse shots of nature and city life contrasting with assembly lines and traffic patterns to the impossibly slow motion glimpses of astonishment and banality, the style and content of this film has influenced more than a generation of visual art and storytelling.
The best part is that I haven't even gotten to the music; the reason this stands 30 years on as the timeless accomplishment it is: Philip Glass' score is the 10 ton monolith blocking out the sun, the elephant in the room, the absolute gravitational pull of this work. If you are at all familiar with 20th century minimalism via Charlemagne Palestine, Steve Reich, Terry Riley or their contemporaries, or especially Glass' emotive, often romantic take on the sound, you are likely already familiar with some or all of these sounds; if not you are in for a warm embrace of what will likely become a hermetic world you'll find easily inhabited and unequivocally addicting. Call it lazy, but having the film here and ready to watch makes me reluctant to begin ascribing descriptors to the music. It must be experienced to be grasped. The marriage of sound and picture is essential for direct, uninhibited understanding, for knowing the intrinsic appeal of minimalism itself, for laying bare the nature of conceptual ourboros, the cyclical existence we're evolved to respond to. This score is meant to evoke the cosmic design of life itself from violent beginning to violent end and all of the impossibly close and personal yet gigantic moments in between.
Note: Do not listen before viewing. Although entirely gorgeous, worthy, and entrancing on its own… divorced from the imagery at birth, Glass' score will never reach the same affection and thus should be saved for after-film experience.
Posted on October 28, 2011, in Music and tagged composer, film, film score, gorgeous, Koyaanisqatsi, minimal, Philip Glass, timeless, transcendent. Bookmark the permalink. 2 Comments.
I remember when I first heard about this film…through you!
It is a very intense, quite beautiful film. Look away for a second and you miss so much.
One of these days I should watch them all again. I have them all on disc afterall…
Glad to see you posting again.
And a good choice to broaden the focus like this. It's not the medium, it's not even the art form. It's the attitude and the way it tingles your mind that matters.


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(This story first ran at PressConnects.com) BALTIMORE — At 26 years old, UFC light-heavyweight champion Jon Jones admits it is difficult even for him to realize he could soon be considered the best fighter in the history of mixed martial arts. But it's a reality (…)
Miss any of Titan Fighting Championships over this MMA-stuffed weekend? Here's a quick look back at Friday night's card from Fayetteville, NC. Aside from the two UFC events that took up nearly all of read news >>
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Invicta Fighting Championships president Shannon Knapp revealed that Cristiane 'Cyborg' Justino is on schedule to make her 135lb. debut in December. Although many were skeptical about Cristiane 'Cybo read news >>
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Journey 2: The Mysterious Island was released February 10th, 2012 and stars Dwayne Johnson, Michael Caine, Josh Hutcherson, Luis Guzmán, Vanessa Hudgens, Kristin Davis, Anna Colwell, Stephen Caudill. The film is directed by Brad Peyton.
'Journey 2: The Mysterious Island' Trailer
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Yes, i know what you mean. Also,Yes it does look interesting, or at least somewhat interesting so far.
3 years agoby @themoviefanaticFlag
Yeah, it kinda does look like a fun movie, but i am not too sure though.
3 years agoby @themoviefanaticFlag
@sean: 1) I'm a fan of Dwayne Johnson a.k.a The Rock, 2) I'm NOT a fan of Brendan Frasier since the first Mummy movie, 3) There actually seems to be a story this time where as the last one there wasn't a great point to the movie, 4) The action in this from the trailer already looks better than all the action in the previous, and 5) better eyecandy.... Vanessa Hudgens.
I'm not saying this is gonna be a great movie. I'm just saying this movie already seems to have the necessary things/people to be better than the previous and actually looks interesting
3 years agoby @junior-robertsFlag
Thanks to the ending, a 2.0 trailer is now a 1.5.
3 years agoby @XxNickTheFilmCriticXxFlag
LOl the peck pop of love lol I'll see it looks better than the last movie
3 years agoby @monkeyiron2-0Flag
Yes, i am.
3 years agoby @themoviefanaticFlag
looking forward to this film, I just wish Brandon would do an appearance.
3 years agoby @writer220Flag
@themoviefanatic Just making sure you're aware. ;)
Yeah, that happens sometimes ;) .
3 years agoby @themoviefanaticFlag
@themoviefanatic You sure are asking a lot of questions.
What is it about this movie that looks better to you then the previous movie ?
3 years agoby @themoviefanaticFlag
looks like a pretty fun movie
3 years agoby @Salem6777Flag
Eh, not sold just yet. I did like the first, so I'll give it a chance, but that trailer didn't do much for me. Though I'll admit the Pec Pop at the end cracked me up LOL :)
3 years agoby @moviefreak97Flag
Yes, good point. I do have a better taste in movies then this.
3 years agoby @themoviefanaticFlag
I have to be honest. This looks 100% better than the original. That might not be saying much, but at least it appears to be better than the first, which in my book, was one of the worst movies I've ever seen.
3 years agoby @junior-robertsFlag
Come on @sean you have better taste in movies than these, it's too campy looking and the script is terrible, the acting doesn't look that good, except for Michael Caine (he might save the movie) but I didn't like the first either, this is more aimed more for kids, than adults, so unless you have a child or younger cousin, I understand how you like it.
Ok, I'll be honest, some of the visuals were way off. Example: the Elephant. The whole butterflies flying around and the giant insects looked terrible. Hell, the T-Rex and the plants from the first looked a lot better. But I must admit, the last par was unexpectedly funny. Got a few chuckles out of it. It might suck, but I might catch it anyways, just not in 3D
3 years agoby @bawnian-dexeusFlag
haha This looks fun.
3 years agoby @combatmadness360Flag
What looks bad about it ?
3 years agoby @themoviefanaticFlag
How do you know ? This movie has not even been released to theaters yet.
3 years agoby @themoviefanaticFlag
Not interested.. But the last scene made me chuckle.
3 years agoby @black-jesusFlag
hell yes! been waiting for this trailer and this movie all year, im very sad that it got pushed to February
Im especially excited to see Vanessa again, she rocks all the way!
3 years agoby @jonspidey07Flag
.....Bad CGI....looks ...ok to be blunt "Fake" .... and wooden characters delivering wooden lines ....Looks silly funny that is it ...
Michael Caine seems to be channeling Indiana Jones...!
Mr. Caine would be the only reason to see this film!
3 years agoby @2movieguysFlag


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The Sakyong invites all Shambhala leaders to attend Shambhala Leadership Trainings with him in 2013. We will focus on the theme: "Shambhala: More Like Life, Less Like School."The training will begin with three monthly online addresses by the Sakyong -- each designed specifically for leaders within each of the Three Pillars of Government; Practice and Education; and Protection.People serving in all roles related to the Pillar of Governance are invited to attend this address: The Kalapa Council; Sakyong Ladrang; Kalapa Court; Kalapa Executive; Centre Directors and Group Coordinators; all positions related to Development, Finance and Patronage: Kalapa Patrons, Shambhala Trust, Sakyong Foundation, Potrang; Culture and Decorum Representatives; Societal Health and Well-being Directors; local Shambhala Council Members; and all positions related to Publicity, Media, Communications and Technology.These online teachings will be a lead up to, but not be a requirement to attend: Three Pillar Leadership Training at Karme Choling. May 15-20, 2013. The address itself is scheduled to begin at 1:00pm. We will begin at 12:30 with sitting, and include time for some post-address discussion together.
The registration fee is only the cost from Shambhala Online per person.
Shambhala Online Teleclasses
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Quick View of Programs by Center


text: Photo by Allan Hayslip Known for his sophistication as a DJ, Reid Robinson (a.k.a. Woodtronic) gets groovy, laid back gigs spinning at spots like the Perot Museum and outdoor shows in Dallas Arts District. Not to say he can't pump (and punk) it up if needed...you can also see him spinning pretty reg ... More >>


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I'm looking for a web-based convention management script for a recurring convention.
Preferred language: PHP/mySQL - but I'm willing to look at others.
If it looks like we need to get this custom built, well, where do we start? And what sort of price would we expect?
These are the requirements:
- Payment/ticket purchase system
- User can pay online OR reserve tickets and pay at the event
- Regular users able to submit events/workshops (for approval by admin)
- Multiple events on same day
- A "timetable view" of the convention
- Printable timetable
- Printable badges
- Securely store user information
- Room booking
- Merchandise purchases
- Optional min and max seat limits
- Special discount or "cap": i.e. book 9 event, the 10th is free OR pay cap fee = get unlimited tickets
- Configurable session block sizes (by default, session blocks need to be 3.5 hours, but we may want to change it in future)
- Recurring workshops, and workshops that span multiple session "blocks"
These are the "nice to have"s:
- Certificates/awards for events.
- Customizable ratings (eg. beginner, intermediate, advanced)
- Different user ranks? Users can opt to be a volunteer for a particular day/workshop.
- A theme-able "front end site" to display events, rules, etc.
- The registration system and "front end site" are one in the same, and works like a shopping cart site.
- Export the workshop descriptions to XML/text/whatever so I can easily import it into a CMS "front end site", such as WordPress or Drupal.


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WASHINGTON D.C. (KELO-AM) U.S. Senator Tim Johnson (D-SD) today chaired a Military Construction/VA Appropriations Subcommittee Hearing and questioned Secretary of Veterans Affairs Eric Shinseki regarding President Obama's Fiscal Year 2015 Department of Veterans Affairs budget proposal. The VA's discretionary budget for Fiscal Year 2015 is set at $65.1 billion which is a 3% increase over Fiscal Year 2014's enacted level.
"I am glad I had the opportunity to discuss the President's Fiscal Year 2015 Department of Veterans Affairs budget proposal with Secretary Shinseki," said Johnson. "It's important that the VA budget addresses the long term challenges facing the VA and meets the changing needs of our nation's veterans."
"I want to make sure that adequate funding for health care and treatment facilities is a priority in the VA budget. We have made headway towards ending homelessness among veterans, increasing access to care, and speeding claims processing but there is room for more progress."
Senator Johnson has personally raised the concerns of the Hot Springs community with Secretary Shinseki on multiple occasions and today questioned the Secretary on the Black Hills Health Care System. In January, the VA announced they will conduct an Environmental Impact Statement (EIS) on the proposed realignment of the Black Hills Health Care System. The VA anticipates selecting a contractor to conduct the EIS this month, with the full EIS taking an estimated 10-18 months.


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Reader Comments (Page 1 of 1)
About achievements, Q4Q:
Do you think it will be possible for Blizzard to actually alphabetize (spelling?) the Glory of the Hero achievements?
Me and a few guildies are working on Glory of the Hero (Lich King stuff) and the list is just ... really bad. No order. At all. At least for me. But then I'm a librarian and I'm used to order.
It is annoying though.
I can recommend the Overachiever addon. It won't order the meta for you, but it adds a new "Suggested" tab to your achievement window and it displays relevant achievements there according to your location. So no more standing around in dungeons searching through the achievement list to remember what you were supposed to be doing.


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The Blog and the Blogger
My name is David Hebblethwaite, and I'm a book blogger from Yorkshire, now resident in the south of England. I mostly talk about fiction (both novels and short fiction) on here, with the odd bit of non-fiction. Most of all, I appreciate good writing and books that go their own way. The type of book is less significant, but, if there's a speculative flavour to much of what I read… well, that's what I like. This year, I am aiming for two-thirds of my reading to be either in translation, or English-language writing from outside the UK and US. I'm also interested in exploring the work of new writers.
Besides here, you can find my reviews in Strange Horizons, We Love This Book, Fiction Uncovered, Vector, and The Zone.
I'm also on Twitter and Goodreads.
If you'd like to contact me, please e-mail firstname.lastname@example.com.
Review policy
I'm happy to accept review copies – but do please note the following points:
- I run this blog in my spare time, on top of a full time job. I try to be timely, but can make no guarantees as to when, or at what length, I'll cover a particular book.
- I read many types of fiction, but would be especially interested in hearing about speculative fiction, works in translation, or short stories. No pitches for poetry, graphic novels or YA, please.
If all that is fine with you, feel free to get in touch.


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Having gorgeous flowers growing in your garden makes the outdoors even more beautiful, but being able to cut those flowers and bring them inside ... even better. If you want some of your own fresh flowers for your vase or to decorate the house for a party, check out these 6 beauties that are perfect for cutting. You can plant them right now for a summer of fresh blooms.
Image via Liz West/Flickr
We have lilies that are about to bloom soon.
Oooo, I like the lilies and peonies.
That will be nice to have!
We have lilies that are about to bloom soon.
I love flowers and having them to cut!
Peonies and lillies are so pretty!!
These are all beautiful! Peonies aren't that great for cutting because ants love them, and often when the flowers are brought inside, they harbor little guests.
we actually have a rose bush that we planted this year. we hope to be able to cut them as they get bigger
Oh I love peony.
My hydrangeas are my favorite.


text: The Hives' Howlin' Pelle Almqvist taking a leap at the House of Blues in Anaheim. The Hives are currently touring with Pink and the Hives are treating their fans to solo shows in between Pink's US Arena tour schedule. Coming off a sell out at the Belly Up in Solano Beach the Hives once again sold out the show last night in Anaheim. The Hives new record Lex Hives is a must have with such fan favorites as "Come On!" and "Patrolling Days." Go see a Hives show and you will become an instant Hives fan.http://www.thehivesbroadcastingservice.com/gigs.phphttp://irockphotos.net/© Guillermo Prieto 2013


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Leadership for the 21st Century
More than any century before it, this one — the 21st — will change our way of life beyond measure. Already, it is transforming the way we communicate, govern, innovate, and learn.
At Cushing Academy, we have embraced this new era as we prepare our students for success in college and in life. We are committed to providing a 21st-century education that is unique in its prescience and its departure from the typical.
As a private coeducational secondary school founded in 1865, we continue to uphold traditions and values that stand the test of time. Our classic setting, warm community, excellent athletics and arts programs, and well-rounded approach create an enriched academic environment that encourages students (grades 9-12 and PG) to thrive and discover their personal strengths.
Yet at the same time, as a key launching point for young men and women entering a transformed and transforming world, Cushing offers something both radical and inevitable: the chance to experience novel learning formats, focus on subjects that matter, engage on a personal level with the issues arising in the world, and emerge prepared for leadership in the 21st century.
For students and parents who understand that our world is changing, now is the time for a school like this. Tomorrow is here; Cushing is ready.


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Road Warrior Trivia for May 11th!
Friday, May 11th, 2012
QUESTION: According to a recent study, Worldwide nearly 25% of people have this in common, however only 3% of Americans fall into this category. What Do they have in common?
Answer: They're Vegetarians
Congrats to Amanda, she won free Caffe Capri. Tune In Monday at 4pm for more Road Warrior Trivia! If you ever miss the answer, I will post it here on my page, and as always better luck tomorrow!


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A vigil was held in Sacramento County on Wednesday for slain Officer Kevin Tonn, who was 35 when he was killed on the job earlier this week in Galt (Jan. 16, 2013).
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Pork Chop Express T-ShirtProduct Sku: BTLC003
$ 20.00
- This Big Trouble In Little China t-shirt features the name and logo for Jack Burton's 18-wheeler, The Pork Chop Express.
Size Width (A) Length (B) Small 18" 25" Medium 19.5" 27.5" Large 21.5" 29" XL 24" 31" 2XL 26" 33"
*Measurements are listed in US Inches.
*Bust or chest is done by doubling the width measurement.
*For full circumference of the waistline, double the waist measurement.
- • Product Type: T-shirts
• Product is DiscontinuedThis means we will not be restocking this product in the future. Once it's gone, it's gone. Now is your chance to grab it up before someone else does.
• Color: Heather Charcoal
• Gender: Mens
• Graphic: Screen Print
Distressed refers to the worn appearance in the image or lettering on a garment. A distressed print may include faded areas, missing color, or other irregularities. This is an intentional occurrence in the product and adds to the vintage look of the design.• Tag Location: TaglessThe traditional size tag has been removed from the neck seam. Sizing and composition information is screen printed on the inside of the back of the shirt, just below the neck seam or collar. Popular clothing brands often use tagless t-shirts for extra comfort when wearing.
• Made of: 100% Cotton
• Fits like: True To Size
• Fabric Softness: SuperT-shirts of SUPER SOFTNESS are composed of very soft ring spun fabric, often used for vintage style T-shirts. The lightweight material may tend to be thinner than your standard T-shirts.


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Many adopted children are so easy to love. They may have a vibrant personality, a good sense of humor, a smile that lights up the room, a positive attitude or other characteristics that attractive! They may remind you of yourself, your beloved husband or siblings or someone else you love. It is easy to love what is familiar.
But what about the adopted child that comes to your home and has characteristics that are "hard to love". A whiny voice, a negative attitude, doesn't follow directions, seems lazy and doesn't return love. The list could go on and on. In fact we each have our own list of characteristic that we find difficult to live with and difficult to love… What bothers me may not bother you and vice versa.
I am writing about this because I have received many emails asking for help! What should I do and how do I love a "hard to love child"?
Do we personally have "hard to love children"? Yes, we do and if we are all honest everyone should answer that question with a "yes." Hopefully they are not hard to love all… the… time…
However, if your child is newly adopted you may feel like he/she is hard to love all of the time. And you haven't had that moment of "whew" things are finally getting better. Adoption isn't easy and sometimes it's really, really hard and it challenges us in ways that we don't want to be challenged.
Hubby and I have had many of the same feelings that you are feeling. We wondered if we would ever get to the point of really loving our new child. I wasn't feeling very hopeful. It was the one special need we said "NO" to. The one we didn't think we could do and the one we didn't want to do. I was concerned about my feelings and even more so about my husband's feelings. I felt like I was to blame for this "mistake."
Or was it a mistake? God orchestrated the whole thing… Hubby and I knew all the risks and we jointly answered with a "YES." Together we prayed about it before, during and once we were home. We knew HE was near to us the whole time…
God doesn't make mistakes…
So since this wasn't our plan, it must have been God's plan. Even if you did not pray about it I am pretty certain it was God's plan for your family too!
Nothing in the way this child acted was familiar to me. Or another child that has a shrill and whiny voice that is unpleasant to continually listen too. Or another child that forgets everything I say and I have to repeat, repeat, repeat myself on a daily basis. Okay I could go on and so could you, wink, wink!
Yikes! So what do I do? What should you do?
I did the only thing I could do… I gave it too HIM! I prayed, I visualized giving it to him and I asked HIM to help me, I mean us. I asked HIM to help me to LOVE.
My personal imperfections became clear and the fact that HE loves me despite that was eye opening. Unconditional love, that is what HE has given to me. That is what HE wants me to try to give this child or children, whatever the case may be.
So maybe this child was meant to be ours so that we could grow closer to HIM. Maybe I needed to fix a few of my many flaws. Maybe my list of undesirable characteristics was too long… And maybe, just maybe, I could love someone that is completely different than me (or what and who I think I am)…
Maybe I could be more patient.
Maybe I could instruct more tenderly and then help the child do what I ask.
Maybe I could look past a special need that previously bothered me.
Maybe I could give love even if I don't get love back.
Maybe I could be an example to the other children and they could learn to love a sibling that is hard to love.
So many beautiful maybes…
So many interesting challenges ahead of me… and you…
So much continuous support from our Maker. He is there ALWAYS, ready and waiting for us to call on HIM.
It's possible. I can do this because HE can do this! You can do this because HE can do this.
I have seen our older children grow immensely from this exact situation. If I would have tried to change anything about it, I would have robbed them and us the opportunity to grow in our compassion for others and in our faith.
Look at this situation as an "opportunity" and embrace it.


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On Thursday three prominent Denver Broncos, quarterback Peyton Manning and wide receivers Wes Welker and Eric Decker, returned to practice.
Manning missed a couple of days of practice with a minor ankle injury.
After practice Thursday, Broncos' head coach John Fox told reporters Manning didn't participate in practice, which could be somewhat alarming considering how minor his injury was considered to be.
Fox, however, was just kidding.
"No, I'm sorry. … I was on the wrong day. I'll move over a column," Fox told reports via Jeff Legwold of ESPN. "Full [participant]."
Fox went on to say that Manning looked "fine."
Manning took his normal amount of Thursday snaps and will start when the Broncos host the Washington Redskins on Sunday.
Manning and the Broncos are on pace to break several records set by Tom Brady and the New England Patriots in 2007. On the year, Manning has completed 207 of 289 passes for 2,565 yards with 25 touchdowns and three interceptions.
The Broncos will try to bounce back from their setback of the season, a 39-33 loss at the hands of the Indianapolis Colts when they host the Redskins at 4:25 pm EST Sunday.
Tags: Denver Broncos Peyton Manning


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Onstead, MI WTVB - 7th District Michigan Republican Congressman Tim Walberg has presented the family of Private First Class Frank P. Durkee of Onsted with a posthumous Purple Heart and World War I Victory Medal. The ceremony this week at the Onsted American Legion Post recounted how Durkee was killed in action 94 years ago while serving with the American Expeditionary Forces inFrance.
Private Durkee was a member of Company B, 126th Infantry Regiment, 32nd Infantry Division, when he was sent ahead of the division and close to enemy lines in hopes of gaining valuable information on the location of enemy troops. He retrieved the necessary information and was on his way back to camp when hit by a sniper's bullet. Durkee died from his wounds three days later after delivering the information his commanders sought. He was just 22 years old when he gave the ultimate sacrifice for his country. Congressman Walbeg said not only was he willing to leave the comforts of home to fight for freedom, but he was also willing to risk everything to help his brigade advance.


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EAST LANSING, Mich., Feb. 13 (UPI) — While many Americans are willing to pay a premium for ethanol fuel, it doesn't justify a government mandate for the fuel, a U.S economist argues.
Soren Anderson at Michigan State University studied the U.S. demand for ethanol — called E85 — and found when ethanol prices rose 10 cents per gallon, demand fell only 12 percent to 16 percent on average.
"I was a bit surprised," Anderson said. "I was looking for this sharp decline in ethanol sales the moment the price got higher than the price of gas."
Federal law calls for increasing volumes of renewable fuels to be included in the nation's fuel supply, requiring more than 13 billion gallons of corn-based ethanol this year.
Ethanol is more expensive to make than gasoline and must be sold at a loss or subsidized unless consumers are willing to make up the difference, Anderson said in a MSU release Monday.
While some people are willing to pay more to help protect the environment, he said, mandating ethanol doesn't appear to be the best option from an economic perspective.
"If our goal is to reduce greenhouse gas emissions, this is quite a costly way to go about doing it," Anderson said. "There are lots of other things we could do before switching over to ethanol."
Giving consumers options or incentives for driving less or buying more efficient cars could be betters solutions, he said.
"You really want to give people the right incentives," Anderson said. "If we taxed fuels at a higher rate based on the amount of pollution they caused, people would tend to choose cleaner fuels — but also use less fuel overall."


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15A NCAC 02D .2619 ARSENIC, BERYLLIUM, CADMIUM, HEXAVALENT CHROMIUM (a) Method 29 of 40 CFR Part 60 of Appendix A shall be used to show compliance for arsenic, beryllium, cadmium, and hexavalent chromium metals emission standards. (b) SW 846 Method 3060 shall be used for the analysis to differentiate hexavalent from total chromium. The EPA publication SW-846, "Test Methods for Evaluating Solid Waste, Physical/Chemical Methods," cited in this Rule is hereby incorporated by reference including any subsequent amendments or editions. A copy of the EPA publication SW846, "Test Methods for Evaluating Solid Waste, Physical/Chemical Methods," may be obtained free of charge via the Internet from the EPA website at http://www.epa.gov/epaoswer/hazwaste/test/sw846.htm. History Note: Authority G.S. 143-215.3(a)(1); 143-215.65; 143-215.66; 143-215.107(a)(5); Eff. June 1, 2008.
Last Modified: Thu Jun 26 10:27:13 2008
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|North Carolina Division of Air Quality - 1641 Mail Service Center - Raleigh, NC 27699-1641 - (919) 707-8400


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Cops wounded, man killed in Chicago shootout
By Dennis Sullivan and Mitch Dudek
New Lenox, Ill.- Two New Lenox police officers were shot and wounded and a motorist was killed when they returned fire Thursday night at a traffic stop outside a high school, officials said.
New Lenox Police Chief Daniel Martin said the officers were pursuing a vehicle on Lincoln Highway about 7:45 p.m. and stopped it in the parking lot of Lincoln-Way Central High School. The driver emerged and drew a gun, he said. "He began firing on the officers. The officers returned fire," Martin said.
Full story: ...
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Another incredible dinosaur roar I formed from a ...... sneeze! The 101 Sound Effects Collection.
A short, but precise jingle. A few notes, and some electric noises. I use this jingle all the time in ...
A cool roar I created with a leopard roar and a human sneeze.
Fl studio
remix. request for 1950's anti-aircraft gun ... http://www.freesound.org/forum/viewtopic.php?p=41409#41409
A collection of common commands and key words for interfaces and application. Useful for developers.
I made this "cute" sound on my own human sound, recorded some noise, pitched it, paned it all in PT. ...
Sound Fx created @ MarkatzSounds great for broadcasting,commercials & such
Getting sucked sound effect.
A collection of ringtones and alerts I recorded. Please share them if you like them. Feedback always welcome: http://someaudioguy.blogspot.com
This effect is made of synth, explosion and sewer sounds.
I was stoned one day and accidentally plugged my guitar into a vocoder instead of an amplifier. People seemed to ...
This is a scream of an fantasy creature (Imp), made for a computer game.
A froced ammunition explosion. Extracted from a video () by a US Government agency, thus public domain. Find many more ...
In an attempt to re-create the original Jurassic Park t-rex roar, I created this. Not perfect, but pretty close!


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I focus my chakra blending it with the wind which is in front of me. While sending it as a gust of wind towards your clone, I also start compressing it making it very sharp and thin so it would be able to cut through things.
As it travels, it finally reaches your clone and cuts him from his legs making him then dissapear because of the damage.
I'm a katana freak so think technique is cool since it doesn't require any handseals (I guess I can use it while fighting with a sword? o.O). It easily cuts through direct lightning attack, giving you a secure path in order to keep on advancing and is also great for slicing the opponent.
I would find this technique rather useless when it comes to protecting ourselves against large attacks which are directed at multiple targets because you'll only be able to stop it from were you performed the attack.
(couldn't find a picture =/)
Korra san throws a swords towards me which is turning in a circle in mid air, I grab it with my right hand from its hilt.
I then start on focusing some of my fuuton chakra to my right hand which I then send to the sword, filling it with fuuton chakra.
I then target a place where I won't hurt anyone by performing the technique and start swinging the sword towards the bottom-left part of my body, preparing to release the wind chakra soon enough.
Keeping the chakra concentrated in the sword, I stretch my arms as I swing the sword from my bottom-left to my top right in a stronger and quicker manner than before. Releasing all of the chakra I had focused in it, it forms a whirlwind of gust which travels in a straight trajectory to mid-range.
This is a nice technique for sword users, allowing them to perform fuuton techniques whith their own sword. It allows them to push back the opponent and damages them a little.
The technique can only be used if you have a sword and while using it, you can most probably not perform any handseals since one of your hand would be holding the sword.


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Jason Smith
Boomers best back for Beijing Games
By James Dampney Brian Goorjian can barely contain his excitement at finally getting commitments from all the players he wants for Australia's basketball team for Beijing.
Aboriginal teen Mills a key for Boomers
Coach Brian Goorjian is tipping indigenous teenager Patrick Mills to be a "very, very important" part of the Boomers' Olympic basketball campaign.
Kings face big task to retain Goorjian
By James Dampney It is going to take a Herculean effort to keep Brian Goorjian with the Sydney Kings.
Kings stun Tigers in NBL Grand Final
By Sam Lienert Sydney Kings came back from the dead to take their NBL grand final series against Melbourne into a fifth and deciding game.
Tigers veteran eyes perfect NBL farewell
By Sam Lienert Retiring Tigers veteran Darryl McDonald says wrapping up the NBL grand final series against Sydney on Wednesday would provide the perfect end to his career.
Brisbane take 2-1 series lead over Kings
Melbourne Tigers survived a fierce final quarter comeback to take a 2-1 lead in the NBL grand final series with an 89-87 win at the Sydney Entertainment Centre.
Tigers rewarded for self-belief
By John Salvado The Melbourne Tigers are right back in the hunt for the NBL title after being rewarded for their unwavering self-belief.
Anstey beats Ere to NBL's MVP award
By Adrian Warren Tigers captain Chris Anstey has added a second MVP title to his bulging portfolio and now plans to cap another stand-out season with a third NBL championship.
Goorjian waiting on sore Smith
By Adrian Warren Sydney Kings coach Brian Goorjian is still sweating over the fitness of skipper Jason Smith heading into a NBL grand final series.
Kings thrash Perth to reach NBL decider
By Adrian Warren The "ticked off" Sydney Kings charged through to their fifth NBL grand final in six years with a 109-77 drubbing of Perth.
NBL tell Kings, Wildcats to cool it
By Tim Clarke The NBL will ask the warring factions of Sydney and Perth to keep cool during Saturday's sudden-death semi-final.
Sydney Kings cruise past Breakers 103-93
By Ted Simmons Sydney guard Dontaye Draper was unstoppable as the Kings beat the New Zealand Breakers 103-93 in the NBL match at the Sydney Entertainment Centre.
Kings dispose of Breakers in overtime
By David Beniuk The Sydney Kings have gotten a fright before holding on for a 103-94 overtime win against a determined New Zealand Breakers at the Sydney Entertainment Centre.
Kings edge besieged Hawks to stay top
By Adrian Warren Sydney has withstood a strong challenge from embattled Wollongong to remain firmly in charge at the top of the National Basketball League.
Kings stay on top after downing Hawks
By Ted Simmons Jason Smith and Dontaye Draper had to produce second half magic to steer the Sydney Kings to a struggling 99-92 NBL win over Wollongong Hawks.
Kings hold off spirited 36ers 112-100
By Simon Trayhorn The Sydney Kings held off a late charge from the Adelaide 36ers to post a 112-100 NBL win at the Distinctive Homes Dome.
Sydney Kings thump Breakers 120-100
By Alastair Bull Sydney continued their purple patch with a thumping third quarter securing a 120-100 NBL win over New Zealand Breakers.
Perth Wildcats stop the Sydney Kings
By Ted Simmons Perth Wildcats stopped the winning streak of the Sydney Kings with a bruising last second 87-84 battle at the Sydney Entertainment Center.
Kings make the Razorbacks squeal
By Adrian Warren Sydney's bench unit led the charge as the NBL leading Kings regained local bragging rights with a crushing 105-75 win over West Sydney.
NBL leaders Sydney slam cheap shot claim
By James Dampney Sydney coach Brian Goorjian has hit back at criticism of his side's style of play after the Kings stormed to the top of the NBL ladder.