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Glu Mobile Signs Important Deal With Potential Cash Infusion
Mark is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
In order to be successful in the tech sector, it tends to help to have the financial flexibility in order to invest for the future. For anybody interested in investing in the mobile gaming sector, the main two options have been Glu Mobile (NASDAQ: GLUU) with a mobile only focus or Zynga (NASDAQ: ZNGA) with a shift towards mobile from Facebook. The major difference has always been that Glu only has $20 million in cash while Zynga had a net cash balance of over $1 billion. Of course vast differences exist between those two stocks especially when it comes to size, but each offers a similar valuation multiple and the ability to make investors lots of money if either can score a few big mobile winners.
Glu Mobile is a leading global developer and publisher of freemium games for smartphone and tablet devices focused on creating original IP games such Contract Killer, Deer Hunter, and Gun Bros.
Glu Mobile has several new promising technologies including a real-money gaming portfolio and a platform to launch games-as-a-service (GaaS) to further monetize and improve retention traction of already popular games. The question remains whether the business is predictable enough to generate strong returns or whether small, private firms will always generate outlandish returns based on surprise hits such as Angry Birds and Miner Craft. More importantly, it announced a deal with MGM Interactive where that company will potentially invest much needed cash in Glu via warrants.
MGM Interactive deal
First and for most, the MGM deal could provide a much needed cash infusion though that depends entirely on the warrants vesting and being exercisable. The details are as follows:
- The companies entered into a warrant agreement initially exercisable to purchase up to 3,333,333 shares at an initial exercise price of $3.00 per share.
- 333,333 shares vested and became exercisable on July 15, 2013.
- 333,333 shares will vest and become exercisable on each date Glu commercially releases a new mobile game based on a MGM property.
- The company is already working on a mobile ROBOCOP game.
- 1,000,000 shares will vest and become exercisable on the date Glu commercially releases a new mobile game based on JAMES BOND.
- In total, the fully exercised warrants would generate $10 million in proceeds.
Too bad the cash isn't received up front, but the good news is that Glu has access to develop mobile games based on the popular JAMES BOND franchise and less importantly ROBOCOP. It even sounds as if the ROBOCOP game may be released in the next few quarters considering it is already being developed.
Will disappointing results continue?
As mentioned in previous articles about both Glu Mobile and Zynga has been the propensity of late to produce disappointing results. As small startups have been wildly successful with mega hits, the larger public firms have struggled to create these massive hits.
Glu Mobile never seems to live up to the high expectations it creates. For Q2, analysts now expect the company to see a nearly 30% decline in revenues to only $17.2 million. The number is down from over $24 million last year and most investors had to have expected a surge to at least $30 million this year.
At least that is better than the 39% drop in revenue expected by Zynga. Until these numbers start increasing, the stocks will likely trade around the bottom with the one caveat being the encouraging developments.
Encouraging developments
Glu recently delivered on a promise of becoming a publisher of third party games. The release last week of Black Gate: Inferno became the first game to be released by Glu's publishing organization. The fully online 3D MMORPG game is already an established top-grossing game in the Chinese market and will be initially launched in the U.S., Canada, and Australia.
The likely biggest news from the Q2 earnings report will be any developments from the plans to work with Skillz to introduce skill-based, real-money gaming in Glu's skill-based games. The Skillz tournament platform will allow users to compete for cash prizes in games such as Deer Hunter Reloaded in up to 37 U.S. states as of the end of Q213. The popularity of that game and the ability to win cash prizes could combine to provide a major hit.
Fierce competition
Besides the small, private firms that continue to deliver the massive winners in mobile games, Electronic Arts (NASDAQ: EA) remains the biggest threat as the top global publisher on the iOS platform. The company now tops over $100 million in quarterly mobile revenue and has a cash hoard to match that of Zynga. EA faces major headwinds with declining console sales and the shift to mobile that only accounts for roughly 10% of the current revenue base. Though the company is very profitable giving it an advantage over both Glu and Zynga that struggle to produce profits.
Bottom line
While Glu obtained access to several game franchises via the MGM Interactive deal, it still lacks the cash needed to ensure success. Any cash infusion from MGM could be years away though the good sign is that it accepted the warrants at a price over 10% higher than the current stock price.
If online gambling or skill-based gaming becomes a major revenue gainer, both Glu and Zynga are positioned for significant gains. Suddenly mobile gaming could be more significant than either Facebook or consoles and these two stocks are positioned to benefit the most of any public stocks.
Mark Holder and Stone Fox Capital Advisors, LLC own no shares of any stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


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never did those situps before so i look like a fish out of water, but oh well.
i got 110 total reps.
never did those situps before so i look like a fish out of water, but oh well.
i got 110 total reps.
here is a new entry for me, tried to keep the form pretty strict this time, had to shut it down somewhat on the chin ups though due to the tendinitis
61 pushups, 13 chin ups, 41 sit ups, 19 dips
134 reps total
So i tried this out today just to get an idea if it'd be worth my time to video it for the competition. I got:
115 Total Reps
Push ups: 43
Chin Ups: 25
Sit Ups: 27
Dips: 20
I might give it a try again this weekend and tape it. My two biggest surprises were how well I did on the chin ups and how bad I did on sit ups. I haven't done chin ups without a weight belt in a while and I ended up getting 20 in a row without a break, then rested a little and got 5 more in. By the time I got to the sit ups I was starting to really feel drained. I was expecting to get at least 35. Hopefully on my retry when I tape it I can hit 50 pushups, 30 chin ups, 35 sit ups, 25 dips for a total of 140.
Yo cheeseburgler, reupload ur video without the music...you got youtube washed.
I tried this with my friend today. The push ups weren't bad because I'm used to doing them for the APFT. The sit ups were tough because we do them a little different in the Army. I felt pretty good on the chin ups, but the dips really surprised me at the end. They're a lot harder when you're tired haha. It was a really good workout overall it definitely smoked me!
I got a total of 173 reps.
80 Push Ups, 23 Chin Ups, 53 Sit Ups, 17 Dips
53 push ups, 19 chin ups, 65 modified sit ups, 11 dips
Total- 148
My brother started the camera late by like 4 pushups or something but we left those uncounted.
normally don't do too much bodyweight stuff but I was pretty disappointed in the number of chin ups I did cause my max is around 23. May do this again before the deadline is up and see if I can improve.
I got 66 pushups and then my wife stopped the timer for some unknown reason.....Pretty depressing. I am not sure if I will get in another try before the deadline since our gym is closed memorial day. I may try and see if I can figure something out at a park or something to make it work.
This was quite a bit harder than I thought it would be lol. I knew the sit-ups would be a weak point for me, but I wasn't expecting to be so wiped by the time I started dips. I decided to do mine in my garage instead of the gym so I wouldn't have to worry about people getting in the way. Ignore the mess :).
Total reps: 124 @ 189lbs
Chin-ups: 19
Modified Sit-ups: 32
Dips: 16
nice form and rom j-man
Thanks man, you too. Way to go on the 134.
Daniel, you only have a couple more days!
I know!
I am gonna do my Tuesday, late but I am not entering anyway for the prizes anyway ;)
And an entry for the lightweight women's open division. A little disappointed with my finish, but won't be redoing it before the deadline, because I plan to thoroughly enjoy my day off tomorrow. I blame Marcus, but he is also the one that told me about the competition, so I guess it's a wash.
125 total = 59 pushups, 14 chinups, 36 "modified" situps, 16 dips
I want to apologize for there being two videos. My gf accidentally hit a button to start a new one. I understand the rules completely and will respect the decision if my video is discredited. However, I didn't place in the top 3 so it's not a factor anyways. I think my form for the most part was fine. I kiffed a little on the chin ups. I tried my best to not do it but it just kinda came out. The sit ups really did me in because I couldnt get in a groove with my form. One was so bad I couldn't count it lol.
Push ups - 60
Chin ups - 21
Sit ups - 33 (1 I didn't count)
Dips - 18
Total reps - 132
EDIT: I clicked the youtube icon and added the link in between the youtube things and thats how it came out. How can i fix this?
I fixed it for you :) You nly include the unique video code, not the youtube url :)
Here is my entry. I'm a little disappointed in my total. I knew the chin-ups would be my weak point. I thought I would do better on the dips though. I underestimated how worn out I would be when I got to them. Usually I can rep out 20 bodyweight dips without stopping pretty easily, but I was dieing at 10! Oh well, it was fun trying this and I did my best. I will have to give it a go again some time, and try to beat my numbers.
Oh, and sorry about the camera angle on the dips. My wife turned the camera for some reason.
Pushups: 62
Chin-ups: 16
Sit-ups: 33
Dips: 20 (didn't count the half reps)
Total: 131
Stats: 5'8" 162lbs
I got my wife Charidy to get in on the action as well. She had a little trouble with the modified situps. She couldn't get a rythm going and ended up doing basically an unsupported regular situp. I told her just to do the best she could. Her range of motion on the pushups is probably a little short as well. However, she gave it a good efort and I am proud of her for doing it!
I was filming and was paying more attention to the stopwatch at the start so I missed a few of her first pushups.
Pushups: 45
Chin-ups: 11
Sit-ups: 21
Dips: 20
Stats: 5'6" 118 lbs.
here's another female powerlifter entry...just don't be too hard on me...after all I'm probably old enough to be your mother...lol
48 y/o (I'll take the heavy weight to Becky's lightweight)
Pushups: 47
Chins: 8
Mod. Situps: 17 (didn't count them all)
Dips: 8
total reps: 80...goal was at least 75..
Congrats to all who tried this...really was a little more difficult than I thought.
So I was able to rig something up at a local park since I had timing errors the first time I tried.
Here are some personal stats: 23 years old, 5'10", 210lbs (someone has to represent the 200+ guys)
Pushups: 68...I was actually surprised and thought these looked a little shallow but I think the angle didn't help. It felt deep while doing them and I could feel my chest hit the inside of my thumbs on most reps. I guess thats a plus of having a higher bodyweight in that my range of motion on pushups is less.
Pullups: 22....I didn't count the last half rep obviously
Situps: 28. These sucked and I looked like an uncoordinated meathead. I have never done them before though and just could not get the groove as you could obviously tell. I didn't count any weird weak reps.
Dips: 19...I kind of freaked out because my watch timer stopped since my wrist must have pressed the stop button. I just continued doing as many as I could and figured out the time when I looked later. So I know my last few reps did not count but I started just before 3:55 so I stopped counting my dips at 4:55. I didn't count the reps that I just couldn't lock out at the end either.
So the added grand total is 68+22+28+19=137
I fixed up everyones links by the way! :)
ok, because I am a geek, I pulled the results into an excel spreadsheet for a comparison. See attached.
Well done to everyone that entered - some VERY impressive results and videos all round and remember that everyone is at a different level of experiences and bodyweight so that is a big factor.
The final positions appear to be:
1 The Thrill - 173 reps
2 one rep under -148 reps
3 ajweins - 137 reps
However... I want to go through all of the videos and check the form, so these are not final, confirmed placings yet so watch this space :)
I think everybody did a fantastic job.
Hah, well I just did it and got like 85 reps, that SUCKS. :(
For me the capacity/endurance wasn't so much an issue, just pure strength.
Arrgh, video up soon.
I'm gonna do this in 2 months time and make sure I get over 100.
Daniel, you are a wuss!
I think Koyongi (did I get the name right?) deserves something for being one badass woman! Wow! Hers was the most impressive video to me.

subset: commoncrawl


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Tenors and Strings Extravaganza June 28
Sun Valley Opera and Sun Valley Resort Entertainment present Tenors and Strings Extravaganza featuring Dennis McNeil's Three Tenors and The Hutchins Consort will perform at the Sun Valley Pavilion Sunday, June 28. For videos of both go to the Sun Valley Opera website.
*Children under 18 are Free, but still need a ticket to reserve a seat. Students 18 and over with valid student ID receive a $10 discount on all seats. Please call 888-622-2108 for Student or Child Tickets.
Artist Biography:
Three powerhouse tenors, Dennis McNeil, Jose Medina, and Eduardo Villa, have wowed audiences from Los Angeles to Rome and Mexico to Slovenia singing the world's greatest hits. What makes these three men so special is the fact that they have so much fun on stage and it is contagious. The audience of all ages will leap to their feet at the Pavilion with standing ovations and bravos!.
They have performed lead roles in operas around the world including New York City Opera, San Francisco Opera, Berlin Opera, Munich Opera, Paris Opera, Los Angeles Opera, Houston Grand Opera, Vancouver Opera, Atlanta Opera. Mr Villa is currently a regular guest artist at the Metropolian Opera.
Along with the grand tenor arias from the world of opera, they sing international popular songs from Mexico and Naples such as O Sole Mio as well Broadway favorites. In this World Premier show, preceding a tour to other cities, the Hutchins Consort violins join the tenor voices creating music that speaks to the heart. The Hutchins Consort plays on the eight matched violins of the New Violin Family – from tiny treble tuned an octave higher than a normal violin to the 7 ft tall contrabass violin. These instruments are the first successful attempt in the 500 year history of the violin to make a complete homogenous set that span the entire range of written music.
In 1990 on the occasion of the World Cup in Rome, the original Three Tenors performed at the Baths of Caraculla. The concert was telecast to millions around the world. Fame of "The Three Tenors" was instant. The recordings and videos of subsequent concerts have outsold those of Elvis and the Rolling Stones. They brought the classical voice to the masses.
The famous composer Lalo Schifrin, a member of the Sun Valley Opera Honorary Pavilion Committee, was invited to write the Gran Finale of the first Three Tenors Concert as well as subsequent World Cup concerts. Dennis McNeil, Jose Median and Eduardo Villa, are the only other tenors to have performed Maestro Schifrin's repertorie under his baton in the USA and abroad.
Tags: Dennis McNeil, Sun Valley Opera, Sun Valley Pavilion, The Hutchins Consort, Three Tenors


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Home ⁄ Clothing ⁄ Triathlon Apparel ⁄ Tri Shorts ⁄ World Champion Tri Short (Item #14-WRDCHPTRIBM)
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Dr. Seuss' The Lorax Photo Gallery
The 3D-CGI feature Dr. Seuss' The Lorax is an adaptation of Dr. Seuss' classic tale of a forest creature who shares the enduring power of hope. The animated adventure follows the journey of a boy as he searches for the one thing that will enable him to win the affection of the girl of his dreams. To find it he must discover the story of the Lorax, the grumpy yet charming creature who fights to protect his world. The film features the voices of Danny DeVito, Ed Helms, Zac Efron and Taylor Swift. View photos…
Roll your mouse over the left and right-hand sides of the image and then click to view more pictures.
Read our review of The Lorax
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Tampa — The Falcons are 9-1, but by my reckoning they've played one really good game in their past seven. (The one: At Philadelphia ahead of Hurricane Sandy.) Then again, they've won five of those six not-really-good games, so what's the problem?
This: A team wants to be playing well in December, so as to keep playing well into January/February. The Falcons know this better than anyone, having seen consecutive seasons ended by teams that weren't, as of Thanksgiving, anywhere near locks to qualify for postseason fun and frolic. We know already that these Falcons will make the playoffs. What we don't know is if they'll fare any better once there.
Today marks Game 1 of a loaded (and shortened) week. They play the Buccaneers, who've won four in a row, and then they play the Saints, who've won five of six, on Thursday night. Sweep the week and we won't be quibbling, at least not so much.
Continue reading Live from Tampa Bay: The Falcons seek to Buc(k) a trend »
This post is an adjunct to the Georgia Tech column off today's game, which can be found here.
1. Paul Johnson's first tactical error came before the game began. Georgia Tech won the coin toss and chose to defer its choice until the second half. This is, we must note, standard coaching procedure. But this was not a standard game. The Yellow Jackets' only hope rested on their offense and its capacity to steal an early lead and then play keep-away. Instead Johnson chose to put his special teams and his defense on the field first. Malcolm Mitchell returned the kickoff past midfield. Georgia led 7-0 after 63 seconds. When finally Tech exercised its option at the start of the third quarter, it trailed 28-3. Asked about his decision to defer, Johnson said: "Pick your half. They're going to get it sometime."
2. Time of possession can be the world's most misleading statistic. The Jackets
Continue reading On Paul Johnson's poor early choice and Tech's lack of fans »
Athens – There were two snippets of good news for Georgia Tech on an otherwise wretched Saturday: The Jackets still get to play for the ACC Championship, and the Georgia Bulldogs will be occupied elsewhere.
Other than that, this was a wipeout of epic dimensions. It wasn't quite as bad as the 51-7 loss here in 2002, but at least that drubbing came in Year 1 under a new coach. This one arrived in Year 5 under Paul Johnson, who seemed the anti-Chan Gailey. Meaning: A man who could hold his own against the hated mutts. (Gailey went for 0-for-6.) But now Johnson, after stunning the Bulldogs on his first try, has lost four in a row to Georgia, and the series has again gone lopsided.
And Johnson, who on taking this job ordered that the slogan "Beat Georgia" be displayed on Tech's practice field, was not pleased. Afterward his voice could be heard — at great volume and great
Continue reading His Jackets pull a no-show, and Paul Johnson is not pleased »
Mark Richt called this shot. Speaking in Tampa on the first day of 2012, he said of his Georgia Bulldogs: ""We're going to be knocking on the door of the greatest success you can have in college football, and if you knock long enough, you'll eventually break through."
Some folks tittered, noting that Georgia had just lost the SEC championship game by 32 points. A day later, when the Bulldogs (and Richt, too) messed up every which way in blowing the Outback Bowl to Michigan State, the tee-hees became hardy-har-hars. A team that had gone 0-4 against ranked opponents would go on to achieve "the greatest success you can have in college football"? Dream on, brother.
Eleven months later, the dreamer awakes and smells a heady blend of coffee. If the Bulldogs beat Georgia Tech on Saturday, they will stand on the cusp of the BCS title game. Granted, they'll face a
Continue reading Richt was right: UGA is 'knocking on the door' of greatness »
The dynamics changed Monday morning. With Miami's decision to exclude itself from postseason play, Georgia Tech claimed the ACC Coastal Division title. So now, for the first time, Tech and Georgia will meet with both having, to borrow Paul Johnson's pithy phrase, bigger fish to fry. Win or lose Saturday, both will play for conference championships a week later.
But these two division titlists are not equal. The Jackets are 6-5, and the best they can do is to play in the Orange Bowl. (Not that the Orange Bowl, given that Tech just nosed above .500, would be a bad deal.) The Bulldogs are 10-1, and with two more victories they will play for the BCS crown. Georgia has much more to lose. The Jackets are 14-point road underdogs against an opponent they've beaten once since George Godsey ran through Jim Donnan's crew of NFL-caliber defenders in 2000.
If these teams met 10 times, Georgia would win nine. But the Jackets have only to beat Georgia once to make their season and
Continue reading Can Georgia Tech ruin UGA's season? (Video added) »
Updated 9:55 a.m.
A team that wasn't sure until Saturday night that it could play in a bowl is now bound for the ACC championship game. Georgia Tech learned this morning that Miami has decided to forgo postseason play, thereby handing the Coastal Division to the Yellow Jackets, who started 1-3 in league play and who still might finish the regular season 6-6.
It's a stunning turn for a program that was reeling only six weeks ago. The Jackets had lost two ACC games in overtime after blowing late leads and been hammered at home by Middle Tennessee of the middling Sun Belt. Two days after his team lost at Clemson to slide to 2-4, Paul Johnson moved to fire Al Groh, his defensive coordinator of 2 1/2 years.
At that point the season seemed all but lost, but the Jackets steadied — well, after another home thrashing, this at the hands of BYU — and the schedule eased and events
Continue reading A long, strange trip: Tech is headed for the ACC title game »
Given that this is Thanksgiving week, our Heat Check begins about where you'd expect.
GEORGIA: Will play for the SEC title. Could play for the BCS title. First, however, the Bulldogs must win the state title. This hasn't been much of an issue for Mark Richt — he's 10-1 against the North Avenue crew — but the one blip (in 2008, in case you've forgotten) was monumental. Barometric reading: Remember when we wondered if things would ever again get really good for this coach at this school? Richt's team has a chance to finish all drills.
GEORGIA TECH: Will play for the ACC title, thanks to Miami's decision to remove itself from postseason play. For a team that wasn't sure it could wangle even a trip to Shreveport, that's a nice bit of rallying. Barometric reading: Chances are, Tech will be an underdog — the opening line for this weekend favors Georgia by 14 points — in every
Continue reading Heat Check: Hot 'Dogs face a warm swarm of Yellow Jackets »
This post is an adjunct to the Georgia Tech-Duke game column, which can be found here.
1. Tevin Washington gave himself a shining home sendoff. The Jackets' No. 1 quarterback, who'd been outplayed by backup Vad Lee in the wild victory over North Carolina a week earlier, had one of his finest days in his final game at Bobby Dodd Stadium, rushing 19 times for 62 yards and completing six of 10 passes for 102 yards. Washington threw for three touchdowns and ran for a fourth, and even more impressive was his capacity to sustain a series of long Georgia Tech drives. In order, he presided over possessions yielding 72, 75, 75, 75 and 43 yards — all of which ended in touchdowns. Lee didn't play in the second half.
2. The Jackets' defense held Duke to seven second-half points. The first half seemed an extension of the 68-50 victory over North Carolina, with neither side stopping the other.
Continue reading Tevin says farewell, Tech plays D and Johnson warns Miami »
A season going wrong has started to see almost everything go right. Georgia Tech can do no worse than tie for the Coastal Division title, and it mightn't have to share. "We still have all our goals on the board," quarterback Tevin Washington said Saturday, and if you don't count winning the national championship, he's absolutely correct.
Tech can play for the ACC title on Dec. 1 if Miami loses at Duke next week or if the Hurricanes, owing to pending NCAA sanctions, recuse themselves from postseason play. Even if Tech doesn't land in the conference championship game, it knows now it will grace some brand of bowl. Six weeks ago, none of this was a certainty. Six weeks ago, these Yellow Jackets could have been staring at 4-8.
But now, having beaten Duke 42-24 on Saturday, they're above .500 for the first time since Sept. 22, and they're headed for Athens next week on what you'd
Continue reading Tech is bound for a bowl, and maybe for the ACC title game »
Let's face it: To call Duke football the rough equivalent of Georgia basketball would be, over time if not at present, an insult to the hoop 'Dogs. Duke's last winning season was in 1994; it has won one ACC championship since 1962, and that bears an asterisk, seeing as how Steve Spurrier was then the Blue Devils' coach.
But here it is 2012 and Duke has a chance to claim the Coastal Division if it beats Georgia Tech today and Miami next week in Durham. Me, I don't think the Dookies can win either game, but maybe that's just me.
As we know, the Jackets are themselves somehow alive and kicking in the carnival ride that is the ACC Coastal. Tech can get to 5-3 in league play and stamp itself as the leader in the clubhouse by beating Duke. And the Jackets have won eight straight against the Devils and 16 of 17. The exception was in 2003, when interim Duke coach Ted Roof startled
Continue reading Live from Tech: An actual big football game against Duke! »


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How My Net Worth Went from $-40,000 to $285,000 in Five Years
Published on - March 11th, 2008 (by J.D. Roth)
This is a guest post from FrugalTrader, who blogs about personal finance from a Canadian perspective at Million Dollar Journey.
In 2003, my girlfriend (now wife) and I graduated from university with nearly $50,000 in debt. This debt was a combination of my wife's $30,000 in student loans and her $20,000 new car loan. Since I learned fundamental saving habits at a very young age, I managed to graduate university debt-free with $10,000 in savings. Combined, however, we were $40,000 in the red (not including a new mortgage).
Over the past five years, our financial picture has changed drastically. Not only have we dug ourselves out of the hole, but we've grown our combined net worth to over $285,000.
How did we do it? We didn't strike it rich in real estate, we didn't luck into some crazy stock tip, and we don't even have extremely high paying jobs (we started at $85,000 gross combined). Instead, we systematically controlled our spending so that our expenses were well below our income. We then took the savings and aggressively paid down our debts while at the same time investing for our retirement.
Here's how we did it:
- We minimized our housing costs. We used my $10,000 in savings as a down payment and purchased an income property where we could live in one unit and rent out the other. The rental income from the other unit helped pay for most of our mortgage expense.
- We paid ourselves first. Upon graduation, we set up our bank accounts to transfer at least 10% of our take-home pay to a separate high interest rate savings account. As this account grew, it was separated into an emergency fund, lump-sum debt payments, and retirement lump-sum contributions. Any money left over in our regular account after paying bills (and discretionary spending) was used to either invest or pay down debt.
- We lived well below our means. We followed The Wealthy Barber philosophy of separating our wants and needs. This simply means that before you purchase something, you ask yourself a question: "Is this item a want or a need?". We try to limit our purchases to "needs". Following this rule saves us around 15-20% of our take-home pay.
- Any additional money was saved. As our combined salaries increased over the years, we've kept our lifestyle the same, which has resulted in greater savings. In addition, tax returns or any other "free" money is re-invested or saved. Lately, we've been saving up to 30% of our take-home pay.
- We aggressively paid down debt. We used our savings to pay down our student- and car-loan debt, while at the same time investing money in our retirement accounts. We paid off our student loan debt in late 2005, and completed the car payments in early 2007.
- We invested our savings for the long term. Along with maximizing our retirement contributions, we kept our eyes open for investment opportunities. In 2005, we came by a great deal on a single-family home, and picked it up at a steep discount relative to other homes in the area. We still earn rental income on this home.
Using these six steps, we have turned our financial situation around. We currently have no student or consumer debt, and have grown our net worth to over $285,000. My wife and I now aim to have $1 million in net worth by the time we reach the age of 35 (we're 28 now). Whether your goal is to get out of debt, obtain passive income, or to achieve great wealth, the key is to set your goals, create a plan and stick with it.
For those of you who follow my blog, you know that we have recently upgraded our lifestyle with a new house. Even so, we kept our mortgage expense fairly low relative to our income by putting a large down payment on the home. Other than that, we still pay ourselves first and invest aggressively.
Photograph by jenn_jenn.
This article is about Real-Life
Great post. It is really inspirational to see living frugally and saving work for someone. Keep up the good work.
C'mon J.D., you couldn't have found a photo of Canadian twenties?
It was amusing to think that the CAN dollar was of different value to the US dollar. Buy then I realize they are the same now… makes me smirk with a little sadness on the side.
Always good to hear stories about how people tackle their debt and begin to grow their assets.
I have a few friends who are very involved with real estate investments. They seem more stressed these days.
Wow, nice to hear the story in a bit more summary form. I've read FT's blog since the start.
Keep it up,
This is a great story. But, honestly, anyone who got into the Canadian real estate market in the last few years should be able to say the same thing. (This is not to diminish the accomplishments of the OP.)
Well done! My story is almost identical, except that I went from ($30,000) to $7 million in just 7 years, by adding TWO key items to this list:
1. Increasing income (I did this by starting various businesses), and
2. Investing the proceeds – (Save at least 50% … I saved nearly 100% … and investing in buy-and-hold real-estate, stocks, and the businesses themselves).
Andrea, that would really depend on what part of Canada you are from. The housing market appreciation in NL has been modest at best over the past 5 years. Going forward however may be a different story with the oil boom around these parts.
I think the hardest part is focus. Because so many things come up to make you lose focus. It's good you two stayed focus and were both actively involved
It must be a warm fuzzy feeling to have someone(s) else pay your mortgage.
This is a very inspirational post from someone who has really stuck with their plan. While our financial picture has not changed quite a rapidly, if we had stuck with some of your points, it probably would have.
Well done on making some smart money choices. $285K net worth in 5 years is awesome.
Its good to read about other people who are a litle further ahead of us. My fiancee and I are on the same path, and things are going well but it gets frustrating. I to get there NOW
But of course its buy and hold, and Get Rich Slowly. Patience is the key
Great job! You mentioned you got married in the interim. Were you frugal with wedding expenses? What do people think is a reasonable amount or percentage of income to spend on a wedding?
Great question, Sara!
Just to clarify – when you say your net worth is $285K, does this include or exclude the house that you live in?
Thanks for the inspiring post. I'm going to take a look at your blog too.
Sara, yes, we were fairly frugal with wedding expenses and having generous parents helped also.
SusanO, my last net worth update (~$285k) did not include a principle residence as we were in between moves. Our next update at the end of the month will include the principle residence.
This is an impressive change in a short time. Congrats!
Way to go FT! Keep up the good work.
Congratulations! You and your wife accomplished a lot, and you should be very proud.
wow, amazing! i'm hoping to follow in your footsteps!
first… must get out of school and get real job.
Very impressive !! Achieving $300K+ over 5 years must be a warm feeling. Congrats on your efforts & dedication.
Again, not to make light of your impressive gains, but a quick look on Google suggests that even Newfoundland real estate has appreciated 50% or more in the past 5 years. For example, if someone picked up a house for $100k and a second house for $80k (when it was worth $100k) two years later and the market had averaged 10% returns, this would generate a net worth of about $214k right there, assuming the mortgage on the first house was paid off. Add in a couple of cars and even modest RRSPs, and you would be at $285k.
Granted, most people would not be able to pay down their mortgage in 5 years. But I'm just showing how home ownership can influence net worth at this point in time.
Andrea, very valid points, and yes, of course real estate can affect net worth. That's why 90% of the richest people in the world got ahead via real estate investment.
I can see your argument for someone who bought a house in Calgary or Vancouver 5 years ago, but as you can see from my net worth statements, real estate does not make up a huge part of my portfolio.
I currently have an investment property with $30k ($20k appreciation) equity and I recently sold my primary residence for $20k profit. So in the last 5 years, appreciation has accounted for a total of $40k of my $300k+ net worth gain. Not a lot in my opinion.
MinWage #11, if you expended the same effort to make something of yourself that you currently burn to dump on every personal finance/frugality blog on the net, you'd be a massive success. Do you truly enjoy digging yourself into a rut one post at a time, or that you'll change your life via trolling, or the pity of anonymous Netizens?
What a sad waste of the unique miracle that is a human life.
Congrats FT – you and your wife are definitely great role models and thanks JD for your interest in your neighbours to the North.
Not to diminish what you accomplished, but who in this world thinks that 85k a year is not a "high paying" income? Does anyone know what percentage of people in the country make that much? I know it is not many. I am just out of college and hoping for a raise so I make 26k a year. I don't know anyone my age that makes much more than I do. Again, I don't want to put down your accomplishments, because they really are great and your points are helpful. I just wonder why people don't realize how well off they are with incomes in the top few percentage points in America.
I call bull%#*. Something else is happening in this story (if it's true) to generate the money described above than the 6 points listed. Sorry but those six suggestions about controlling spending are not going to generate $325k of wealth in five years. Starting with a take home income of (.66x85k) = $56k per year, even spending NOTHING in five years barely gets you there unless something else is happening.
"If thou wilt make a man happy, add not unto his riches but take away from his desires." ~ Epicurus
To Ao:
You underestimate their income, mostly because you forgot that they have a rental property that covers most of their mortgage. More so, he's in Canada and that likely means their home has increased in value since the Canadian economy is booming. I know that my mom (she's from Edmonton) had the value of her condo rise 75% over 5 years because the market is booming there at the moment which may account for some of the increase. There is a reason 90% of the world millionaires make their money in real estate.
it depends where you live.
i am just out of college and my starting salary is 45k. but i live in sf (my rent is 1250). so its all relative. my starting salary is also low comparitively with my friends.
I believe that was a joint income of $85k, not an individual income. As a household income, that isn't high in Canada. However, for young people, it is a good joint income.
If only $40k comes from real estate, those gains are impressive, indeed. But, again, it would be interesting to see where the money is invested.
Nigel, FT said that he and his wife made $85k combined. Sure, it's still significantly more than what you currently make but it's not excessively high either.
AO, if you consider compounding interest over the past 5 years (the TSX is up over 100% since Jan. '03) his numbers are very legit and not unreasonable at all. Also, I'm sure their salaries have increased substantially over the past 5 years given they are recent graduates and (I believe) both professionals.
It is a nice job by them but I am far more impressed with people who are able to save significant amounts of money on low or average incomes. I want to read more of those types of posts. A post that many people can relate to. Supposedly 50% of full-time workers in this country make under $20,000 a year. Those people who are able to save significant amounts of money on low salaries inspire me.
Thats a great story.
I went from $10,000 in credit debt to a net worth of $315,000 with almost no debt except a small 15 year mortgage in 8 years all by myself as a single person. I too bought a nice duplex and live in one unit. It can be done!
Is this a great country or what?
Schizohedron (great name, I'm not even gonna TRY to guess how many sides THAT has):
I thought I had a plan, I bought something I thought I could sell at a big profit. (It's still worth $10K.) It was intended as the start of a business.
Is it too much to ask to have a normal amount of living space?
It looks like the key to financial "success" for most of you is to rent out property and pass on a huge percent of your mortgage payment to the renter.
That seems pretty close to the haves preying on the have-nots.
Or, as I like to put it, Is this a great country or what? (grin)
Um, er, ah…OOPS!
Well, Canada is a great country too!
Oh……No preying on the have-nots Not everyone wants to buy and not everyone is ready to buy a house. Not everyone wants to hastle with maintenance and doing the lawn. All of my tenents have been happy to be here. My tenents pay the going rate for rent and it happens to cover the mortagage and insurance. Besides, in this country, buying income generating property can be done by anyone who takes a little time to study up on which are smart investments and which are not.
Only half my net worth is the house. This IS a great country
"Only half my net worth is the house."
Sure is easy to build net worth when you have other people paying for the largest expense you'll ever have in your life.
"Sure is easy to build net worth when you have other people paying for the largest expense you'll ever have in your life."
Smartest move I ever made!
Actually being a deciplined saver and not spending is what makes it easy to build wealth
If it was truly so simple then nearly every person would own property instead of renting, and that would cause the pool of renters required to support your wealth to vanish. The very nature of your income relies on people who can not afford to own property.
There are lots of "smart" moves to made when it comes to business and income; that doesn't mean they are ethical.
Obviously renting isn't a problem. The issue is renters paying a huge chunk (or in some cases like Kathy here ALL) of the owner's mortgage and other expenses like insurance. Meanwhile the owner enjoys (or at least used to enjoy) a ridiculous amount of appreciation on their free property.
And the disparity of wealth grows ever larger in the name of "smart" investment moves.
Providing a beautiful well-maintained home for people who need a place to live at a fair market price is far from unethical. I always feel great about what I provide. Its a win-win for sure! My current tenents are happy as clams and saving for their own home someday. They pay what everyone else in town pays for rent.
JD…I like visiting your site everyday! I've been going through the archives and reading about gardening. I'm gonna take a stab at it this year.
Um, Kathy, for decades I have wanted to buy an income generating property. I have even found a few excellent deals, but I was never able to fund any of them on my minimum wage income plus student loan debt. (i.e. low income + debt = bad ratios + no qualify)
So I think I can make a pretty good case that knowledge without money and credit won't make you wealthy.
When a low-income person pays half their income for rent and doesn't even have a normal amount of living space, is that a win-win situation?


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Taquitos With Pork Picadillo
Oxmoor House
More From Southern Living
Recipe Time
Cook Time:
Prep Time:
Fry: 2 Minutes
- 12 (5 1/2-inch) corn tortillas
- 1 pound chopped cooked pork*
- 2 tablespoons vegetable oil, divided
- 1 medium onion, chopped
- 4 garlic cloves, minced
- 3 jalapeño peppers, seeded and chopped
- 1/4 cup tomato paste
- 1/4 cup red wine vinegar
- 1 teaspoon pepper
- 1/2 teaspoon salt
- 1/4 cup chopped fresh cilantro
- 1 cup (4 ounces) shredded Monterey Jack cheese
- Vegetable oil
- Heat corn tortillas according to package directions. Cut tortillas into circles with a 3-inch cutter. Put tortilla circles on a plate, and cover with a towel; set aside.
- Cook pork in a large nonstick skillet in 1 tablespoon hot vegetable oil over medium heat 5 minutes or until lightly browned, stirring constantly. Remove pork from pan, and drain on paper towels. Wipe skillet clean.
- Sauté onion, garlic, and peppers in remaining 1 tablespoon hot oil over medium-high heat 3 to 4 minutes or until onion is tender. Stir in pork, tomato paste, vinegar, pepper, and salt; cook, stirring occasionally, 2 to 3 minutes. Remove from heat, and stir in cilantro.
- Spoon 2 tablespoons pork mixture evenly down center of each tortilla circle; top evenly with cheese. Roll up, and secure with a wooden pick.
- Pour vegetable oil to depth of 1 1/2 inches into a large heavy skillet. Fry taquitos, in batches, in hot oil (350°) over medium-high heat 1 to 2 minutes or until golden brown. Remove wooden picks, and serve immediately.
- *1 pound of chopped or shredded pork (without sauce) from your favorite barbecue restaurant can be used.
My Notes
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Taquitos With Pork Picadillo Recipe at a Glance
- COURSE: Main Dishes
- CONVENIENCE: Entertaining
- CUISINE: American, Southwest
- MAIN INGREDIENT: Pork
- COOKING METHOD: Fry
- OCCASION: Autumn, Spring, Summer, Winter
- PUBLICATION: Southern Living
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Sara Fishko on http://www.onthemedia.org/http://www.onthemedia.org/people/sara-fishko/2013-11-22T00:00:00-05:00JFK and TV 2013-11-22T00:00:00-05:00http://www.onthemedia.org/story/jfkandtv/
In television's younger days, going live was extremely difficult, costly and rare. But 50 years ago, a monumental tragedy made live coverage essential, no matter the cost, whenever a president left the White House. WNYC's Sara Fishko recollects those dreadful days in November when everyone was paralyzed in front of the small screen.
 Pioneers of the "Soft Sell" 2013-04-05T00:00:00-04:00http://www.onthemedia.org/2013/apr/05/pioneers-soft-sell/
On Sunday, the critically acclaimed AMC series Mad Men launches its sixth season. On Mad Men we see admen scrambling to match their ads to a new era - the 1960's. But in 1955, one real adman saw the future of advertising and it was funny. WNYC's Sara Fishko tells the story of the pioneers of the "soft sell."


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Find & share great dishes, not just restaurants.
Find whatever you're craving, see what's good at any restaurant and learn what foodspotters, friends and experts love wherever you go.
When ever I'm in San Diego, I make it a habit of going here. That Pancake is about 2 feet! (ok maybe a foot and a half) But for the most part try everything on the menu including if you like Bloody Mary's (it comes with a BLT). You gotta go!


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The Glass Harmonica's Music is Like Being Stalked by Fairies
The Glass Harmonica was invented by Benjamin Franklin in 1761 and has been making creepy music ever since. Take a listen! »
The Glass Harmonica was invented by Benjamin Franklin in 1761 and has been making creepy music ever since. Take a listen! »
Benjamin Franklin's perspicacity never fails to amaze. In few places is his mental acuity more evident than his letters of correspondence, wherein Franklin frequently ruminated on topics scientific, technical and philosophical. What follows is an excerpt from one such letter, originally addressed to a scientific… »
The fabulous Olly Moss has taken Benjamin Franklin's classic "Join, or Die" political cartoon and added a little Voltron twist. If we could get it printed up on some flags, it would make a geeky addition to next week's US Independence Day celebrations. »
In 1998, a group called the Friends of Benjamin Franklin House began renovations on Franklin's London residence, No. 36 Craven Street, and discovered a nasty surprise: 1,200 pieces of bone from 10 bodies, six of which were children. And the bodies were buried in the basement around the time Franklin was living in the… »
When it comes to old academic societies, there isn't an organization on Earth that can hold a candle to Britain's Royal Society. Founded all the way back in 1660, The Royal Society has been pumping out peer-reviewed scientific literature since 1665, when the first edition of Philosophical Transactions of the Royal… »
Much of the southeastern US is struggling with Chinese tallow trees, an invasive species that is overrunning the Gulf Coast and wreaking havoc on the natural habitat. And, until now, people figured it was that big jerk Benjamin Franklin's fault. »
That, at least, was Benjamin Franklin's theory. (He also said we should be early to rise, because he was a jerk, I guess.) But when scientists put this old maxim to the test, did they find any truth to it? »
Pop quiz time! An evil botanist from 1760 has time-traveled to the present and conspires to take over modernity with an army of mutant carrots. Who are you going to call? Benjamin "Poor Richard" Franklin and Napoleon Bonaparte, duh! »
The Declaration of Independence, Washington crossing the Delaware, the Constitutional Convention: all great moments in America's history. But you know what would have made them better? Alchemical guns and airships. Let's look at some alternate stories of the American Revolution. »


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I was definitely NOT planning to blog for the rest of the week (school work beckons me), but low and behold, HERE I AM.
I was in the middle of my morning tea and online news surfing when I came across this:
TIME Magazine has published their list of 100 most influential people of 2012. Scrolling through the list I see names that I know e.g. Jeremy Lin, Rihanna, Hillary Clinton etc. names that I don't know, mostly foreign and one that makes me laugh i.e. Anonymous.
It's halfway through that things get..well, kind of interesting.
Now this is just a list but the names are hyperlinked to the details as to why this person was chosen...and I still don't understand how...
I just cannot say much after this but here is a preview:
"exemplifies the A*** political renaissance at a time when the people of the continent are starting to reap the fruit of their resources and their hard work."
"...the same ability to find the remedies to the many complexities of running a nascent democracy. He has spearheaded the fight against corruption and turned **** into an example of good governance"
Now who do you think they are talking about... President Obama?
p.s. Will fix typos later :-)
Now who do you think they are talking about... President Obama?
Maybe this last line will give you a clue:
"With leaders like President Jonathan, Africa is sure to move toward prosperity, freedom and dignity for all of its people"
I wish I were fabricating this but it's too late for April fools so...
don't believe me yet... Click the names for proof.
I will let my fellow Nigerians take it from here...
p.s. Will fix typos later :-)


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Afghanistan: 20 killed in bomb and gun attacks
A series of attacks in Afghanistan claimed the lives of 20 people -- all but one of them civilians -- in the space of less than 24 hours, officials said Saturday.
Ten people died when a group of insurgents attacked a police checkpoint in the country's western Herat province Friday evening, police spokesman Abdul Rauf Ahmadi said.
After exchanging fire with police at the checkpoint in Karokh district, killing one officer, the militants opened fire on a nearby tent housing construction workers for a road-building project. Nine of them died, Ahmadi said.
Roadside blasts in southern Helmand province claimed another eight lives, a statement from the office of the provincial governor said.
Source and full story: CNN, 17 August 2013
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text: Comments on: Treasury Secretary Andrew Mellon, the IRS and karma Back to the article » By Sean Higgins | May 31, 2013 | 12:00 am Andrew Mellon, treasury secretary under President Calvin Coolidge, was apparently the first major Washington political insider to use the Internal Revenue Service against his foes. He may have set a precedent he subsequently regretted though as a few years later he himself became the victim of IRS harassment. That's according to an informative Christian Science Monitor story "Playing the IRS... Web URL: http://washingtonexaminer.com/article/2530909 Share this article on Facebook or Twitter Print this article


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Actors, Assistant directors, Boom operators, Casting directors, Cinematographers, Directors of Photography, and Line producers
A coming-of-age story in the vain of Little MIss Sunshine and Young Adult. 14 year old Ava runs away from Los Angeles to Toronto in hopes of finding guidance from her unabashedly quirky cousin Audrey. Audrey's fall from grace is quick and painful, but her love of Ava might just be enough to force her to grow up and claim her place in Toronto's art community.


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5pc. Oak Bedroom Set. storage galore, dresser w/ mirror, tower cabinet, night stand, desk w/ chair.SOLD
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Have you had your coffee today?
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For Obama's Global Vision, Daunting Problems
Off the Charts: S.&P. Has More Than Doubled Under Obama
Obama and Christie to reunite on the Jersey Shore
Obama to Address Naval Graduates as Sex Assault Issue Lingers
Video: Obama heckled during speech on Guantánamo and counterterrorism
The Caucus: Mark Mazzetti on Obama's Speech on Drone Policy
Obama: "Our systematic effort to dismantle terrorist organizations must continue. But this war, like all wars, must end."
RT @charlie_savage: Obama: We must enforce consequences for leakers but troubled by possibility that leak investigations may chill investigative journalism
Pivoting From a War Footing, Obama Acts to Curtail Drones
RT @nytimesworld: Obama narrows struggle with terrorists while defending drone war he has waged, reports @peterbakernyt
RT @thecaucus: Prepared text of Obama's speech on drones and nat'l security
Obama: "America is at a crossroads. We must define the nature and scope of this struggle, or else it will define us."
NYT reporters answer readers' questions on drones ahead of Obama's speech
RT @nytimesworld: Obama plans to restrict use of drone strikes in his speech today, reports @charlie_savage @peterbakernyt
NYT reporters will answer questions about Obama's drone policy. Use #AskNYT or submit in comments:
White House Memo: A Sleeper Scandal Awakens for Obama, Post-Election
NYT reporters will answer your questions about Obama's drone policy. Use #AskNYT or submit in comments:
White House Says It Didn't Loop Obama In on I.R.S. Inquiry
The Caucus: Obama Urges Morehouse Graduates to 'Keep Setting an Example'
White House Memo: White House Memo: Obama Tries to Regain Footing
See what's Trending Now for @nytimes


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NASA's Maven Explorer Arrives At Mars After Year
NASA's Maven spacecraft arrived at Mars late Sunday after a 442 million-mile journey that began nearly a year ago.
NASA's Futuristic Spacesuits Made For First Mars Walkers
New spacesuit design gives astronauts greater range of movement and flexibility for walking on the surface of Mars or other celestial bodies.
Researchers: Spacecraft-Riding Microbes Could Colonize Mars
Research shows bacteria and other Earth microbes can survive on spacecraft.
705 Astronaut Candidates Pass Latest Cut For Colonize Mars Project
Mars One organizers have cut 353 people from the colonization project because of personal or medical reasons.
NASA Chief: Future Of Humanity Awaits In Deep Space
The future of U.S. human space exploration is in deep space according to NASA's chief Charles Bolden.
UFO Hunters Say Mars Photo Is Proof Of Alien Life
Scientists say strange flash of light is likely a cosmic ray.
Experts: NASA Should Set Up Ethical Rules For Astronauts On Long Space Flights
According to health and ethic experts, NASA should set up ethical rules regarding health of astronauts on long space flights.
NASA Chief: Ultimate Goal Is "Boots On The Ground On Mars"
Bolden says ambitious plan to capture an asteroid is just another step towards landing humans on the Red Planet.
Hawking: 'I Truly Hope Humans Will Be Living On Mars' By The End Of The Century
British cosmologist Stephen Hawking believes humans will colonize the moon in 50 years and hopes people will be living on Mars by the end of the century.
Scientists: Dark Lines On Mars Could Indicate Flowing Water
Traces of iron formations hint at the possibility of liquid water just underneath the Martian surface.


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More Ph.D.s needing food stamps
Graduate degree holders took more public assistance between 2007 and 2010, but still were fewer than 1% of the total.
When students pursue a graduate degree to make a little extra money, just about none of them expect that added cash to come from food stamps.
Between 2007 and 2010, the number of people with master's degrees and doctorates who have had to apply for food stamps, unemployment or other assistance more than tripled, according to The Chronicle of Higher Education. Census data released in March 2011 indicates that while 22 million Americans held master's degrees or higher in 2010, about 360,000 were receiving public assistance.
By those numbers, graduates with doctorates fared only slightly better than those holding master's degrees. While more than 293,000 master's recipients needed public assistance in 2010, up from 102,000 in 2007, nearly 34,000 doctorate recipients used food stamps and other assistance programs. That's a sizable increase from the 9,800 doctorate holders who needed support back in 2007, but these numbers in a vacuum don't tell the complete story.
For example, Census numbers don't indicate what fields of study those degrees covered, which would make it a lot easier to identify low-demand job segments. While the Bureau of Labor Statistics sees increasing demand for registered nurses, for example, Ph.D.s looking to become judges aren't nearly as coveted.
Also, while the folks at OnlineColleges pointed out that 5,000 doctorate recipients worked as janitors in 2010 while 21% of graduates holding a bachelor's degree or better worked as customer service representatives that year, they failed to mention when students attained those degrees or if those jobs were their primary means of employment. In either equation, both masters and doctorate recipients are far better off in the job market than those with some college experience or none at all.
Students with associate degrees, for example, are faced with a slew of careers experiencing declines in job numbers. Want to be an aerospace technician, air traffic controller or forest and conservation technician? Good luck with that. High school grads, meanwhile, are looking at a work environment where dozens of jobs with entry-level or mid-level pay are evaporating.
As OnlineColleges points out, one in six Americans received food stamps in 2011. That's about 52.5 million people, which means even if every graduate degree holder on public assistance was on food stamps, they'd be less than 1% of the total.
The recession proved that degrees aren't necessarily a guarantee of future employment. That said, they don't seem to hurt a recipient's odds, either.
More on Money Now
'By those numbers, graduates with doctorates fared only slightly better than those holding master's degrees. While more than 293,000 master's recipients needed public assistance in 2010, up from 102,000 in 2007, nearly 34,000 doctorate recipients used food stamps and other assistance programs. That's a sizable increase from the 9,800 doctorate holders who needed support back in 2007, but these numbers in a vacuum don't tell the complete story.'
How is that only slightly better? What is the distribution by field? Region of the country? State?
If this info is not easily available, please find it before publishing! More useful information is needed in this article?
Where are the judgemental commenters who troll these sites blaming everything on Obama, and tagging every black person as being "on the government dole?"
Life is rough these days. In order to think and survive, your body and brain need fuel (food) to keep it going. Everyone can't mooch off mom until they find a job...
I hold a masters degree in Psychology with an emphasis in the health education since the recession many of the counseling positions that were once funded no longer exist. I lost my job as a disabilities counselor at a community college due to funding cuts. The criteria to counsel independently has become stricter while the jobs actually available have decreased.
I know many people with advanced degrees that have applied for jobs they are way overqualified and I know one person that did reach the point of having to apply for food stamps to feed her kids as she was the only provider. No one is immune.
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[BRIEFING.COM] Equity indices have climbed out of the gate with support from most economic sectors. The S&P 500 trades higher by 0.3% with the financial sector (+0.7%) showing relative strength for the second day in a row.
Likewise, the materials sector (+0.5%) also finds itself among the early leaders after displaying relative strength yesterday. Meanwhile, the remaining cyclical groups hover a bit closer to their flat lines.
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IRVING, Texas - The Cowboys made the decision to cut
The Cowboys decided to bring back Arkin on the practice squad on Monday. Arkin has only been active for eight games in his career but has yet to play a single snap, which gives him practice-squad eligibility despite this being his third season with the club.
The Cowboys cut Arkin to make room for rookie safety
"We got to the point where we needed a safety based on our safety situation," head coach Jason Garrett said. "And that was the one we felt we could make that move on the 11th hour and hopefully he can get past through and we can bring him back and put him on our practice roster and we've invested in him and we do like him."
Garrett was asked if he was disappointed in Arkin's progress, considering he was a fourth-round pick in 2011 and has yet to contribute in the regular season.
"There's probably nobody on our football team who works harder and is more committed than David Arkin," Garrett said. "He's the right kind of guy and he's working at it and he's getting better. I think he has improved over the last couple of years and that's why we're happy to get him back and put him back on the practice roster and continue that development."
During the last two training camps and preseasons, Arkin received more practice reps than any other linemen the last two years. With an abundance of injuries on the line, Arkin has played both at guard and center. This past summer, he was mostly at guard. He started the first preseason game at right guard, then started the third and fifth games at left guard.
The year before, he started the first three preseason games at center.


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7 Henly Road, Carrickfergus BT38 8UG
4 Bed Detached house For Sale
Offers around £124,950
Key Information
|7 Henly Road, Carrickfergus BT38 8UG
|Detached house
|For sale
|Offers around £124,950
|Rateable Value
|£105,000 *
|£831 pa *
|EPC Rating
* Rates information is provided for guidance purposes only, as the information source is subject to change. Please check the LPSNI website for further detail.
This agent has listed the accuracy as: Quite Near
Additional Information
• A superb detached family home.
• PVC Double Glazing / Gas Fired Central Heating.
• Generous lounge with open plan dining area.
• Excellent fitted kitchen.
• Ground floor bedroom or study.
• Three bedrooms on first floor.
• Contemporary white bathroom suite with shower area.
• Situated on an excellent corner site.
• Driveway with garage space.
• Presented to a high standard throughout.
• Quiet residential avenue.
Ground Floor
PVC double glazed door to:
RECEPTION HALL: Built in double cloakroom.
BEDROOM (1)/STUDY: 9' 1" x 8' 6" (2.77m x 2.59m)
LOUNGE: 14' 4" x 11' 5" (4.37m x 3.48m)
Recessed area for TV/DVD etc. Laminate wood flooring. Open plan to:
DINING ROOM: 10' 9" x 10' 9" (3.28m x 3.28m)
Laminate wood flooring.
KITCHEN: 10' 0" x 9' 11" (3.05m x 3.02m)
Excellent range of high and low level units. Laminate work
surfaces. Colour co-ordinated one and a half bowl sink unit. Leaded and glazed display units. Plumbed for dishwasher. Plumbed for automatic washing machine.
First Floor
BATHROOM: Contemporary bathroom suite comprising
panelled bath, low flush wc and pedestal wash hand basin.
Shower area with thermostatically controlled shower. Tiled walls and flooring.
LANDING: Hot press.
BEDROOM (2): 10' 0" x 8' 3" (3.05m x 2.51m)
BEDROOM (3): 10' 9" x 9' 1" (3.28m x 2.77m)
Laminate wood flooring.
BEDROOM (4): 14' 1" x 11' 9" (4.29m x 3.58m)
Extensive corner site laid out in lawns. Flowerbeds and shrubs.
Fully enclosed rear garden with attractive fencing. Outside light and water tap. Garden shed. Tarmac driveway with space for garage (subject to planning permission).
Spotted a Problem?
Even the best agents make mistakes, help us to maintain accurate property information on our listings.
Report a problem »


text:
ARLINGTON, Texas — Greg Maddux is enjoying his part-time role in baseball these days.
The newly elected member in baseball's Hall of Fame said Thursday the "best perk" about his role as special assistant with the Texas Rangers is being able to spend time with his family and still get his baseball fix.
Some of the Rangers' top pitching prospects were in the room, along with his brother Mike, the team's pitching coach, as Greg Maddux talked about his excitement of being elected earlier this month.
The four-time NL Cy Young winner also talked about remaining approachable and sharing his experiences with the young pitchers. Maddux, who has been with the Rangers for two years, will be at spring training next month.


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Rick Owens
Out of stock
Unfortunately this item is out of stock
Button up biker jacket in pearl from Rick Owens. This lambskin leather jacket features a slight cowl neck, concealed asymmetrical button up front, and two front hip pockets. Has long sleeves with ribbed wool under panels.
Item ID: 10161198
- Height:
- 0
- Bust/Chest (cm):
- 0
- Waist (cm):
- 0
- Hips (cm):
- 0
- Model is wearing size:
Models Measurements
- Lining Composition
- Silk 10%
- Lining Composition
- Cotton 30%
- Composition
- Lamb Skin 90%
- Lining Composition
- Rayon 60%
- Composition
- Wool 10%
- Specialist Cleaning
- Brand Style ID
Your order will be shipped directly from the boutique to you.
Farfetch ships worldwide using DHL and UPS, and you will be able to track your order at any time. The cost of shipping your order will be calculated at the checkout.
We currently ship orders with import delivery duties paid to all EU countries plus USA, Canada, Switzerland, Singapore, Australia, Japan, Russia, South Korea – this means all import duties are included in your order, so the price you see is the price you pay. You will not receive an additional duty bill from the courier to receive your shipment. If you are ordering from within your own customs zone or country, import duties will not be applicable anyway, however you may have to pay VAT or local Sales Taxes where applicable (for the UK and USA these are included at the checkout).
You have 14 days from receiving your order to return the item to the boutique using our free returns collection service. We strongly recommend that you book your free returns pick-up within 7 days of receiving your order to ensure that it arrives back to the boutique in time. Please note that we can only collect returns from the same country to which your order was delivered.


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Expert on Amanda Walsh? She needs your help. Add biography, facts, photos, videos along with any other details about Amanda Walsh, like tattoos, hook-ups or relationships.
Amanda Walsh
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RateYourBurn | CLASS REVIEW: Workit Circuit with Amanda Walsh ... I'm pretty sure I have post-traumatic stress from this class. I'm more of a cardio girl and sometimes I forget how hard a good 'ol conditioning c.
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Born in Israel, Oz Noy began playing guitar at the young age of 10 and never looked back, picking up … Continued
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Eve 6 frontman Max Collins has been busy this year, as in addition to playing shows with his longtime band, … Continued
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Chris Chaney is perhaps best known as the bassist for Jane's Addiction, or even more previously for his work with … Continued


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About the Author
Georges Korsun
Georges Korsun is a director in the Analytic & Forensic Technology practice of Deloitte Financial Advisory Services LLP.
Article List
Staying one step ahead of fraud, waste and abuse
March 30, 2012 | By Georges Korsun, Samir Hans
Most companies have controls in place to stop fraud, waste and abuse and comply with growing regulatory requirements. General counsel, along with the board and executive management, are responsible for knowing whether those controls actually work, with organizational and individual consequences if they don't.
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Raspberry Ketone
A fat-burning supplement endorsed by Dr. Oz.
- Established: 1965 placed on the generally recognized as safe list by FDA
- Founder: None – natural supplement produced by several manufacturers and pharmaceutical companies
- Accessibility: Online or at some natural health food stores
- Diet Type: Diet supplement
- Gender: Male and Female
Raspberry ketone is a compound used as a diet supplement for its fat burning properties, which include increasing the body's release of norepinepherine and adiponectin. Increasing norepinepherine raises the body's temperature, and therefor helps burn calories and increase metabolism. Increasing the production of adiponectin, a hormone that lowers glucose levels, may play a role preventing calories to be stored as glycogen. People who suffer from obesity typically have lower levels of adiponectin, which is why raspberry ketone is said to "trick the body into thinking it's thin."
Since the amount of natural ketone found natually in raspberries is very low, raspberry ketone is usually synthesized. Naturally extracted ketone can be extremely expensive.
Raspberry ketone gained considerable attention in February of 2012, when the supplement was recommended on an episode of the Dr. Oz Show.
Dr. Sarah G. Khan Weighs in on Raspberry KetonePRO
- Endorsed by Dr. Oz
- Synthetic ketone is relatively inexpensive
- Generally recognized as safe by the USDA
- Unclear how long it can be used safely
- May not be suitable for people with diabetes
- May not be suitable for people with high blood pressure
- May have negative interactions with antidepressants
- Weight loss benefits may only last while the supplement is being taken
Regular exercise is recommended while taking this supplement, however it is not associated with a specific workout.EXERCISE
For best results, raspberry ketone should taken in combination with a healthy diet, however there are no specific diet recommendations associated with this supplement.ADMINISTRATION
Take 100 milligrams of raspberry ketone with breakfast, or increase the dosage by adding another 100 milligrams at lunch.CONCLUSION
Raspberry ketone can speed the metabolism to aid in weight loss, but it's important to combine it with regular exercise and a calorie controlled diet. Some people find this supplement helps them get over a weight loss plateau. Like other supplements that raise body temperature, raspberry ketone may only be effective temporarily. Any weight loss achieved will require a healthy maintenance plan.
If you have any medical conditions, it's best to talk with your doctor before taking this diet supplement.Common Misspellings
raspberry keytone, rasberry ketone, raspberries ketone, raspberry ketones
Featured Diets
Related Diets: Acai, African Mango Plus, Lichi Super Fruit Diet, Mangosteen
User Feedback(Page 2 of 3, 53 total comments)
I began taking a raspberry ketone product called Raspberry Ultra Drops and with this liquid-based product, I dropped more than 2 kilos after three weeks of use. I haven't experienced any side effects. It has also helped increase my metabolism.
I want to lose weight to be able to be more agile, to be more mobile. I believe that disciplining one's self also plays a role. When I say discipline, it means an individual should watch his or her diet and go for physical activities on a regular basis. Apart from discipline, I also believe in the capacity of diet supplements in helping someone lose weight. I'm using Raspberry Ultra Drops, a liquid-based product that has enabled me to get rid of 10 lbs in three weeks without causing any side effects. I feel lighter now and confident about myself again, allowing me to do physically demanding tasks.
Before, I was hesitant to try Raspberry Ultra Drops because I was having doubts about its health benefits and the possible side effects it might cause me. But I was wrong. This supplement drops helped me lose 7 lbs in four weeks and increase my metabolism. Apart from raspberry ketones, Raspberry Ultra Drops is a good source of antioxidants that help me fight the effects of stress.
Just like you guys, I'm also a Raspberry Ultra Drops user. I don't have anything to say against this product because it's safe and effective to use. It really helped me lose those extra pounds without feeling any headache, unlike other diet pills I tried before. Now, I'm beginning to regain my confidence with the help of this liquid drops.
My girlfriend is also using Raspberry Ultra Drops as a weight-loss supplement. So far, she was able to lose 10 pounds in three weeks without any side effects. She also feels more energetic. Definitely, exercise and proper diet were also part of her weight loss efforts. Now, she's my running and swimming buddy and I really admire her for what she has achieved.
It's nice to see a site that provides useful information on diet supplements like raspberry ketones. It seems like a lot of visitors here are using Raspberry Ultra Drops. I checked out the product's site and I think it was able to clearly discuss the health benefits of the product. I'm considering to place an order and I'm glad I was able to read your comments.
I'm a raspberry ketone product user and so far, I can say that it really works and helps me get rid of extra pounds. I'm using Raspberry Ultra Drops and with the help of this liquid diet supplement, I was able to lose 4 pounds in a couple of weeks without feeling dizzy or groggy.
It's good to know that there are a lot of individuals who believe in the capability of raspberry ketones as a weight-loss solution. I'm also a Raspberry Ultra Drops user for two months now and I can say it's an effective fat-burning product, allowing me to lose 2 lbs in a week.
I got the chance to know the benefits of raspberry ketones when I was looking for a diet supplement online. There are a lot of raspberry ketone products online but the product that I chose to try is Raspberry Ultra Drops. With this liquid-based supplement, I was able to shed off 3 pounds in just a week. I've been on this diet program for two months now and I can say that I could reach my target weight in a short span of time.
Thanks to raspberry ketones, I can now wear my old clothes again. I tried Raspberry Ultra Drops and I was able to lose weight in a short span of time. I also observed that my energy is always up, enabling me to go through tons of tedious tasks.
It's really hard to lose weight after the pregnancy. I also encountered this problem when I had my second child. I tried Raspberry Ultra Drops. This diet supplement was suggested to me by one of my colleagues who also used this product when she gave birth to her first child. I ordered online and got my first bottle of Raspberry Ultra Drops in just one week. After a week of taking it, I lost 5 pounds. Although this number doesn't seem notable to others, it's an achievement for me. Raspberry Ultra Drops really works!
Before, I was more likely to get tired because I was overweight. So I made an effort to lose weight by watching the food I eat and going to the gym on a regular basis. When I learned about the benefits of raspberry ketones online, I decided to try taking Raspberry Ultra Drops to achieve rapid results. It was a right move because I was able to get rid of 5 pounds in just a week. I also saw an improvement in my metabolism and stamina. Thanks Raspberry Ultra Drops!
I have nothing but positive comments on weight-loss products with raspberry ketones. The one I'm using is Raspberry Ultra Drops. Apart from being within my budget, it's also effective as fat-burning solution. I'm currently using this and so far I've already get rid of more than 8 pounds in four weeks.
With Raspberry Ultra Drops, I was able to lose 6 pounds after more than a week of using it. This product is really amazing because it also helps get rid of the toxins from my body and speed up metabolism. It's really cost-effective! Purchasing Raspberry Ultra Drops online is really easy and the customer service reps are really helpful and accommodating.
There are a lot of raspberry ketone products on the market and one of the most effective is the Raspberry Ultra Drops. This product didn't only help me shed extra pounds, but also helped address my constipation. I didn't encounter any problems ordering this product online and I was able to receive my bottle within a few days.
I saw the online ad for Raspberry Ultra Drops before but I was hesitant to try this because i thought this is just the same with other products that promise a lot of things. After I read the label and found out that most of its ingredients are natural, I gave it a try. Raspberry Ultra Drops didn't only help ramp up my metabolism, but it also helped raised my energy. So far, I have lost 15 lbs pounds in just four weeks of taking it along with exercise.
Who would have thought that I can fit into my old clothes again? With the help of Raspberry Ketone Drops, I lost 5 kilos in just two months. This product is really amazing! I have more energy and I don't feel hungry whenever I take it. Aside from raspberry ketones, this weight-loss solution contains African mango and green tea that protect me against illnesses.
For me, Raspberry Ultra Drops is a diet supplement that works for me! It helped me lose 7 lbs in three weeks. I received a lot of compliments from my wife, friends and colleagues. Now, I feel confident whenever I go to work or stroll in the mall. With Raspberry Ultra Drops, having a bulging stomach is now a thing of the past!
I felt depressed when my old clothes no longer fit me. In an effort to address my depression, I decided to look for an effective diet supplement and one of the products that I can say really works is the Raspberry Ultra Drops. With Raspberry Ultra Drops, my energy is always up, letting me to finish the tasks at hand. It also helped me get rid of the extra pounds without exerting too much effort.
It always AMAZES me when people say they are leery of NATURAL supplements, but hold fast to POISONOUS meds (ie: the person who said she is on HBP and depression meds). The SIDE EFFECTS of medications are MANY. For HBP, they can go on to cause SEVERE kidney damage...DEPRESSION meds can cause SUICIDAL THOUGHTS, mess up your liver, etc. PLEASE, PLEASE, PLEASE people...STOP blindly having confidence in your doctors and the pharmaceutical companies who simply may not have your best interest at heart! I am an ONCOLOGY RN of 17years and have a son with advanced colon cancer...after CHEMO (his choie to do chemo) only SPREAD the cancer on THREE different occasions, and HE decided to stop ALL conventional medicine and go with ALL NATURAL SUPPLEMENTS....since doing this, he HAS NOT had ANY disease spread and is living a better life, although he's still SUFFERING from he side effects of the chemo and radiation. He has NOT SUFFERED ONCE from the side effects of NATURAL SUPPLEMENTS! PLEASE...take the time to be informed!!! just because something is prescribed doesn't make it good for you!!! You can do a google search of "medicines taken off the market" or "dangerous prescription". KNOWLEGE IS POWER!!! BTW...I like the Raspberry Ketone pills...it curbs my appetite. Sorry for the rant, but as a nurse, this lack of knowledge pains me.


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Currently viewing the tag: "ACC"
One Possible Legal Ramification of the Big Ten Expansion
On May 21, 2010 By Joe Cesta July 22, 2010
The Big Ten Conference is thinking expansion. On December 15, the athletic conference announced it would take the next twelve to eighteen months to consider adding additional schools to its ranks. Rumors and analyses of how it will play out have run rampant since the announcement (Frank the Tank's Slant is [...]Continue Reading →
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Potluck Thanksgiving
Rosemary-Potato Focaccia Rolls
Jessamyn Waldman makes her excellent focaccia rolls from a dough she learned while baking at New York City's Restaurant Daniel. When she sells the rolls at farmers' markets, she varies the toppings by season; she uses potato and rosemary in the winter and tomatoes and feta in the summer.
Plus: F&W's Ultimate Thanksgiving Guide


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Source: GQ - If you spend anytime at all on Facebook, chances are that some of these profiles may seem extremely familiar to you - See the entire sideshow here!
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Source: Yahoo – A central Kentucky autoworker is lucky he held on to the $128 million Powerball ticket he bought on Christmas Eve during some last-minute shopping — after all, it was printed by mistake.
Lottery officials said Rob Anderson and his wife, Tuesday, were winners of the largest jackpot in the state's history.
On Wednesday the couple was introduced at the state lottery headquarters in Louisville. The Andersons said they didn't initially believe they had won the $128.6 million jackpot after buying lottery tickets together for 12 years.
"We didn't hit it, that's not us," Rob Anderson said he told his wife after showing her the winning ticket the morning after the Dec. 26 drawing. "Something's not right!"
Rob Anderson, 39, said the winning ticket was a misprint that he decided to keep while buying stocking stuffers at a Georgetown, Ky., gas station. He wanted to buy $1 lottery tickets for three people, but the clerk goofed.
"The clerk ran the $3 Quick Pick but he put it all on one ticket, and I was like, doggone it, I needed three separate tickets," Anderson said.
The clerk asked him if he wanted to keep the ticket, which had three sets of random numbers.
"Yeah, I got a couple extra dollars," Anderson said, and he bought three more tickets to give as gifts.
When he arrived at home, he tossed the ticket on his dresser and didn't think about it until the Sunday morning after the drawing. When he remembered it, he checked the Powerball numbers and they matched one of the sets of numbers on the botched ticket: 32-36-37-41-53 and Powerball 30.
The couple, who work at a plant building seats for Toyotas, said they were hesitant to go public about the winnings. They declined to say if they had children.
"We're really grounded people," Rob Anderson said. "My wife taught me well, so to speak, to hang on to that dollar and see how far it gets you. We'll still clip coupons and still look for the clearance rack."
He said they would like to go back to school. His proposed major? Finance.
Tuesday Anderson said they have a dream of visiting Hawaii and she wants a new car.
The couple said they haven't decided if they'll return to work and whether they'll take a lump sum payment, which would be worth about $63 million.
Prior to this jackpot, the largest ever won in Kentucky was $89.3 million in 1996.
LOS ANGELES (AP) - "When a Los Angeles hairstylist accepted a collect call from a customer, she had no idea it would run more than $45. And no idea that's just what collect calls from pay phones cost in the mobile age.
Barbara James gladly accepted the call from 84-year-old client Pat Devine, who said she was running late and called from a pay phone because her cell phone had died.
James' bill from Network Communications International showed about $37 for the quick call, about $5 in regulatory fees and taxes, and about $3 for a "billing cost recovery fee." NCIC president Bill Pope says the tiny number of collect calls makes such prices inevitable.
Federal Communications Commission spokeswoman Rosemary Kimball says collect calls are largely unregulated since most major companies left the business.
Yahoo - "They may not be old enough to talk, but babies less than a week old know how to cry in their native language.
Researchers have known that infants have the ability to mimic speech starting around 12 weeks of age. Babies also show a preference for spoken language that mirrors the rhythm, melody and intensity patterns of their mother tongue.
But when they're too young to control their vocal cords or the muscles that shape the mouth to make specific sounds, how can babies demonstrate that they're tuned in to the chatter around them? Through their cries, suggests a team of European scientists.
The researchers recorded the cries uttered by 30 French and 30 German newborns when they were hungry, having their diapers changed or generally out of sorts. Though the babies were only 2 to 5 days old, they cried in distinct patterns.
Monster Mash is a 1962 novelty song and the best-known song by Bobby "Boris" Pickett. The song was released as a single on Gary S. Paxton's Garpax Records label in October 1962 along with a full-length LP called The Original Monster Mash, which contained several other monster-themed tunes. The "Monster Mash" single reached number one on the Billboard Hot 100 chart on October 20 of that year, just in time for Halloween. It has been a perennial holiday favorite ever since.