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The Savvy Blogging Summit
Published on - July 12th, 2010 (by J.D. Roth)
I've been a bit quiet around here lately, but for good reason. Over the weekend, I attended the Savvy Blogging Summit in Breckenridge, Colorado. This gathering of roughly 65 women (and three men) is a new event designed to help participants build better blogs. I was honored to give the keynote talk ("My Life as a Blogger") on Thursday evening, and to present workshops ("Building Community" and "Effective Monetization") on Friday and Saturday. During the past two weeks, much of my time was spent preparing for these presentations.
I didn't really know what to expect before I reached the conference; I've never been to a blogging conference before, and most of my contact with other bloggers has been by e-mail. But these women blew me away. They embody the "other half" of personal finance.
The Other Half of Personal Finance
All of personal finance is built around a simple equation:
If you spend more than you earn, you have a negative cash flow; you're losing wealth and in danger of falling into debt. (Or you're digging a deeper hole.) If you earn more than you spend, you have a positive cash flow, which will allow you to climb out of debt and build wealth.
This may seem obvious, but it's important. This concept is the core of personal finance. Everything else is done to improve your cash flow so that you can build wealth, so that you can get rich slowly.
Most people — and most personal finance blogs — focus on one half of this equation; they focus on cutting expenses, and for good reason. Frugality provides easy, quick wins, and lets you develop skills that can be used for a lifetime. But as effective as thrift can be, you can have far more success by focusing on the other half of personal finance: increasing your income.
Most of the women at the Savvy Blogging Summit were masters of both parts of the personal-finance equation. That is, they're:
- Thrifty. Most (though not all) of these savvy bloggers are frugal, and many are frugal zealots. They do whatever they can to cut costs on the things they buy. You know those stories I share about extreme couponing? These bloggers live that lifestyle.
- Entrepreneurial. Most (though not all) of the conference participants aren't just frugal — they're resourceful, too. They're building blogs as businesses. They're supplementing the family income with $50 or $500 or $5000 extra per month.
When most people work to improve their financial situation, they focus only on frugality. They begin shopping at thrift stores, learn how to cook, and discover they can walk for most of their errands. But the folks at the Savvy Blogging summit also pay attention to the other half of personal finance. They work to increase their earnings. In many ways, these women are financial role models.
Financial Role Models
The best part of the conference was meeting and talking with dozens of new people and hearing their stories. I used to be too shy and introverted to do this sort of thing, but I've found that by stepping outside my shell — by harnessing the power of yes — I'm having more fun and learning more about life.
I spent more than an hour on Friday evening, for example, talking with Andrea from Mommy Snacks, a site devoted to practical tips for saving while shopping. Andrea and her husband Paul have been paying off debt with the Dave Ramsey baby steps. She started her blog to demonstrate just how powerful couponing can be. For a year, she kept a spreadsheet to track how much she saved by finding the best deals. In the end, she'd saved $6500, which was enough to pay for a surgery her son needed.
Cutting costs helped Andrea achieve a financial goal. "But you know what?" she told me. "It's boosting our income that really made a difference. That's what has let us pay of our debt more quickly. I try to tell that to people, but sometimes I feel like they just don't hear."
I feel the same way. I wish I could make it abundantly clear to everyone: Frugality helps you keep your head above water, but boosting your income lets you fly.
I also spent some time chatting with Alex and Cassie, The Thrifty Couple. Alex and Cassie racked up over $100,000 in consumer debt during their first few years of their marriage. After a few weak attempts at digging themselves out of a very deep pit, they finally found success by working a variety of side jobs (such as delivering phone books and newspapers). The increased income — combined with a thrifty lifestyle — allowed them to become debt-free this past April 3rd. Outstanding!
Savvy Bloggers
Blogging is no way to get rich quick. Sure, a few of us are lucky and are able to make full-time incomes doing what we love. But most bloggers work long hours for very little return. Still, that small return is something. It's additional income. It's money that will help these women get out of debt, or pay for their children's college education, or let them buy the home of their dreams.
Here are a handful of the other people I met this weekend, and the ways they're earning extra money:
- Like many of these bloggers, Dana (from Mrs. Moneysaver) and Taya (from Simply Frugal) make money by sharing coupons. They earn a few cents on each printed coupon, plus they have other advertising on their sites.
- Stephanie from Saving Naturally shares deals and coupons, but she also sells e-books such as Healthy Homemaking and Real Food on a Real Budget.
- Erin from $5 Dinners skipped the e-book; she published an actual cookbook called The $5 Dinner Mom Cookbook. (And she has another cookbook coming out at the end of the year.)
- Janna from The Adventure of Motherhood makes money at her main blog, but she's also pursuing other avenues. We had a long talk about her new project, Mommy's Piggy Tales, where she teaches other mothers how to record their personal histories to pass on to their kids.
- Reesa from Suburban Tree Hugger has set up an online store where she sells cloth diapers.
These women — these savvy bloggers — are entrepreneurs in a very real sense. They're building businesses. They're marketing. They're working with advertisers. They're building a customer base. I often preach about trying to turn your passion into money; here's a group of women who are managing to do that, and I think it's awesome.
This article is about Entrepreneurship, Frugality
That's a great story. I think the first half of the equation is where most of the focus needs to be. Obviously if your habit is to spend every dollar that comes in, it won't matter if you make a million dollars. BUT, if you are wise enough to actually live by the equation, then you can focus all of your energy on increasing the earnings.
There is no other way to do that than by adding massive value to an audience somewhere. This leads to nothing but positive growth on all sides. Everyone benefits which is great.
I would love if there were more conferences and gatherings like this for people to network and learn from each other. I think there is massive opportunity for everyone who is driven to build an online business.
I like this article. No one in my family really has huge debt problems, although we've had our fair share of consumer debt. We have income problems – knowing how to make money, be entrepreunerial, etc. We know how to get stuck in low-paying jobs. And we know how to focus on getting out of debt, and have gotten out of debt, but no more income. I wish there were more blogs/websites for inspiration on making more income. Not the big guys – the big motivators – or the GRQ mentality – but blogs similar to the steady consistent fruaglity – but for realistically making money.
Just as so many personal finance blogs focus on frugality, so many of the "make more money" posts focus on entrepreneurship. While entrepreneurs can make a lot of money, it generally requires a certain amount of risk. And while a good financial advisor will always tell his clients to have a balanced portfolio in terms of risk, rarely does a personal finance blog do the same with entrepreneurship.
Sure, it's not sexy to think about the corporate machine when trying to increase one's income, but a lot of entrepreneurs have done the heavy lifting already, so why not take advantage of that. There are tons of ways to increase one's income that don't require you to start your own business (and the headaches that come with that). Learn new skills and get promoted. Network with the people at your current job and climb the ladder. Take contract work with existing companies. Get a second job.
While blogging and e-publishing seems to get the most amount of attention on personal finance blogs (and why wouldn't it, since it allows the authors to cross-link as much as they do), don't ignore the fact that there are lots of opportunities in the brick and mortar world to increase your income.
I really enjoyed hearing you speak at the Savvy Blogging Summit this weekend. My mind is full of ideas about my blog as story, building community and ways to monetize. Thanks for some awesome sessions!
I think its great to focus a bit on 'the other half'. When we started paying off our debt it kicked into high gear when I asked for a raise, than went looking for (and got) a better paying job and my husband went back to work full time. It wasn't all roses though. My better paying job was more stressful, more responsibilities, more time away from things I loved. My husband going back to work full time meant we both had to shuttle the kids around, more $ for a babysitter and the house was always a disaster.
After two years of this cutting back in our budget seemed easy. I now equated cutting back to working less!
Very inspiring!
I think part of the reason focus on frugality first is that it is easier to look at what you spend and make cuts, as opposed to finding a new income stream.
This was an awesome, inspiring post!
But sometimes I wonder if people who are in debt or want to increase their income by a large factor should go after more of a guaranteed win than doing something like blogging – which seems slightly speculative? I've heard quite a few stories of people who put in huge numbers of hours on a blog with very little financial reward. Yes, they're trying to build something and they enjoy the process but it's the rare ones that make much money from it.
Should there be more of a focus on something more lucrative than unskilled work like delivering newspapers? (Although the exercise is probably a good thing.) I agree with Patrick above – just getting a different job in your industry can provide a hefty raise, but people don't seem inclined to do that.
Great article! You managed to sum up exactly what the Savvy Blogging Summit was all about. You did a fantastic job speaking at the Summit and I am so excited to put what I learned from you and the other presenters into practice. Thanks for taking the time to share your wisdom and advice.
Patrick and Jacq are right. I'm not trying to say that everyone should be an entrepreneur or that everyone can make money from blogging. But I want to laud those who do.
As I've written before, ANY way of improving your income — asking for a raise, taking a second job, selling your Stuff — can help you meet your financial goals. The "how to make more money" chapter is one of my favorites in my book!
Also, every hour you are working, is one hour that you're not out there spending money.
In college, I worked Fri, Sat, Sunday waitressing. Weekends are the peak spending times (going out to eat, bars, the movies, etc). You kill 2 birds with 1 stone by eliminating the temptation of spending and earning money at the same time.
Now, I'm not saying it's always fun, but it's doable for some time until you dig out of the hole.
Thanks so much for joining us this weekend at the Summit. You were the perfect fit for our group. You are so right with the points above, and completely think that boosting income, while also understanding how to implement steps to live a more frugal life is the perfect blend. I've known friends making well over $200,000/annually, with a fully funded emergency fund, struggling within a few months of job loss because they had no understanding how to live under their means.
Speaking to the commentors above, my blogging decidedly went from hobby to professional when my husband was unemployed for the last year. Our spirit of entrepreneurship kicked into high gear when there were no other employment options.
Our practical implementation of the frugal lifestyle allowed us to survive a year of unemployment debt free, but our spirit of entrepreneurship is now allowing us to come back up for air and thrive. I love saving where I can (thrifting, second hand clothing), so that we can spend and give on things that really matter to us. That looks differently for each person.
So glad to hear your recap of the Savvy Blogging Summit and see some of the women I admire, especially Andrea featured!
I of course completely agree with you that it is a twofold process. I will caution as a busy mom though that some jobs and income has actually COST us money. For instance the job that I took that required me to be away at dinnertime-guess where all my earnings (and then some went to).
While getting out of debt, and boosting savings IS important to me, I also have to balance that with my family, stress level, and realistically look at what I'm earning.
To the above commenter-no blogging is not for everyone, but it is a fantastic way for moms who are at home with their children to earn income-even if it's just $50/month it helps.
It's articles like these that keep me coming back to this blog daily.
This article got me wondering about the gender implications of personal finance. What I inferred from your article is that the majority of bloggers who write about frugality are women. Is that a correct assumption? Or is it just that this was a particular focus of the conference?
If frugality bloggers are mostly women, why do you think that is? Are there blogs about frugality by men that are the equivalent of what these women are writing about? Is there a difference in the content? (ex. Do blogs by women focus on grocery coupons and those by men about how to find a good deal on electronics?)
I know this doesn't address the main topic of additional earned income in your article, but the focus on gender (especially as it related to women in the home in traditional roles as wife and mother) seemed pretty strong and I wanted to find out more about it.
J.D., it was a pleasure getting to know you at the conference. You are so down-to-earth and your classes offered a wealth of information that anyone, at any stage in their blogging career, can apply.
My husband and I are currently working on Baby Step 2 with Dave Ramsey. We 'tried' to pay off our debt before using just frugal methods, but it was always such a strain, and we burned out so quickly.
But this time we've added the 'additional income' aspect through both my blogging and my graphic/web design business, and it's been so much more effective. We see the rewards (i.e. rapidly falling credit card balances) are seen so much sooner, which in turn motivates us to keep on keeping on.
We're on track to be debt-free (except for the house) by the end of next year, and we're looking forward to being able to call in to Dave's show and scream that we're debt free.
In the meantime, you now have a new reader of Get Rich Slowly
I think this blog would be better if there was MORE Focus on earning more. The frugality focus is not always that that helpful. Extreme couponing did not help me get out of debt, nr do I have time for it-doubling my salary twice in 7 years did. Yet I see little or no discussion here on that, and no response when I mention it. I dont shop at thrifts either.
The focus is properly on saving because that is where most of us are weakest.
We certainly do need blogs showing us how to achieve career growth. But I do believe that most people's understanding of that one is a bit more advanced than most people's understanding of how to manage money.
But let's do it all!
I really liked this article, as it summarises nicely the two parts to financial success. I agree that too much focus goes on frugality. Frugality is just the first discipline to financial freedom. And, once you master this any additional income you make through entrepreneurial endeavours or better job opportunities will be funnelled into increasing your wealth. I run my own blog (Nayland House Blog) which is more of a showcase for financial success. However, before you can have the cars, bling, and house you need to pay the price. The price is simply to control your spending, increase your income, and divert this additional income into wealth building endeavours. Good luck to all on their financial journey.
I know this was just a minor part of your post, but I found it fascinating that only 3 out of 65 bloggers at the conference were men!
"That's a great story. I think the first half of the equation is where most of the focus needs to be. Obviously if your habit is to spend every dollar that comes in, it won't matter if you make a million dollars. BUT, if you are wise enough to actually live by the equation, then you can focus all of your energy on increasing the earnings."
I'm someone who didn't read any personal-finance blogs until I had already made my first million.
But my first brush with personal finance came when I almost drove my company into the ground due to poor financial understanding…we were making a whole lot of money, but spending even more of it. It's more common in small businesses than you think…
After I sold my business, I went PF-mad–read all the books, signed up to a bunch of blogs, etc. And I found myself going too far in the frugality direction. Extreme frugality values your time at near $0. It also instills bad money habits–hoarding being the worst one–and a fear of spending *anything*.
Had I to do it all over again, though, I'd still focus on making money first, even knowing that it would cause a "rock bottom" day where I had to make a severe adjustment. It's because the potential is so much bigger on the earn more money side that I say this. Realistically, I could have never "frugaled" myself to $1 million in 6 years…especially with the highest salary I ever made being $49,500/year. But I could start my own business and get there in the same time frame.
I agree with another poster. While it is a two part process, for many people working to make additional income increases stress, takes away from family time, and can lose money depending on the expenses of working. Of course it also depends on how much wealth you need. in my case my primary focus is on cutting expenses. I dont mean doing without, Im mean finding the ways to do things that Inormally would have done on an almost six figure income on a pension. So of course I still manage to fly. And of course, the money I save is not taxable….unlike the money I make from my quilting business. If I had to choose whether to increase the quilting business or cut the expenses, cutting the expenses would comefirts
J.D. – It was such a pleasure meeting you this weekend! In fact, all of us on the shuttle to the airport were talking about it as well. We talked about how you were not only great to listen to, but we really enjoyed that you really participated in the conference as well.
It was especially nice to get a chance to talk to you on the walk from the Mexican restaurant and the cake afterward. I did make Taya spell skookum for me the next day after Stephanie said it during the walk, just so I wouldn't forget it. LOL
Thanks for sharing your interesting perspective of the conference. Hope you are enjoying more oxygen at home — I know I am!
We were truly thankful to have J.D. come and give the keynote. His experience from his years of blogging combined with his lessons he shared was a huge motivation and great start to our conference!! Not only that but we thank you (J.D.) for making yourself available during the conference to talk and strategize on how to make blogging a successful business. You have definitely picked up some new readers after this weekend!
Kate, as far as the discussion on gender considerations, I might be a little biased as I happen to fit into one of the three men that were at the conference. My wife and I actually believe strongly that both people in a relationship need to be fully committed toward both frugality and earning the extra income to dig yourself out of debt. We know from first-hand experience that when one person in the relationship is not committed that any strides toward frugality are easily thwarted by the other. Our first recommendation to any couple is to establish a united, noncompromising approach in which both persons understand the goals and agree on how to implement them.
Finally, our recommendations on how to approach bringing in additional income is obviously customizable to anyone. We found that starting small (delivering phone books and newspapers) was a real way to see actual income applied to our debt. In our "weak attempts" early on to pay off our debt, it seemed that trying to "dream big" never materialized.
Each person is different, but for us actually seeing real income and being constructive helped change our mindset. As we went along in our "Deep in Debt to Debt Free Journey" we actually had several forms of income that we utilized to speed the process.
If you have doubled your income twice in 7 years, why don't YOU write a blog about increasing income?
Interesting post, JD. One of the things I like most about GRS is that over time, your blog highlights stories of interest to people at all different stages of the journey.
@Kate, my theory about the abundance of women blogging about frugality is twofold. Many of the tasks which can be done more frugally are housekeeping-related, and in most households that is still the domain of the woman. Also, there are many stay at home moms looking to reduce expenses and earn a little cash on the side. Thus, an available workforce. I'll be interested in seeing if this balance changes over time as more dads stay home with kids.
A lot of frugal blogs are actually get-out-debt blogs, started by people who are trying to pay off debt accrued by spending more than they earn.
For those people, cutting costs is a necessary step – even if it's not the only one.
The reality is that cutting costs is a "sure" thing, whereas earning more income has some level of uncertainly which is why it might be easier to get started with cutting costs.
For the majority of the population who aren't drowning in debt, and spend less than they earn – the idea of increasing income is probably just as valid as cutting costs. Perhaps more so.
JD, you have talked in the past about the importance of making more money, but for some reason, at this conference you've really seen the light. I'm not sure why.
And for a lot of people, increasing the first part of the equation is the more important. (Making more money vs. being frugal.)
I can easily increase my income but at the present, I choose not to. I like my time, but I really like how I've learned to make dollars stretch.
We took a family excursion to Point Loma, San Diego this weekend, eating at this venerable seafood restaurant. I packed sodas and snacks, along with a healthy salad to share during our meal. It might be a small thing, but in the past that's just something I would have never done.
And I do buy T-shirts at Goodwill. What I'm learning is that it takes a lot less to live. It's powerful realizing that I have the control.
For me to make an extra $1000 per week is no big deal. I'm fortunate, all is paid, I now want to learn how to enjoy free time and not let dollars rule my thinking.
Wow J.D., thanks for linking to my site within such a great article.
I feel a cross between feeling like I won the lottery and like the whole world just pulled the shower curtain back on me.
I think you are an excellent example of someone who now that "you have made it" are helping other people make their dreams a reality.
And yet, even though you have made it as a professional blogger you still seek to learn from others and improver your skills.
Your presence at the conference from morning until night every day was a quiet testimony of who you are – a lifelong learner who seeks to make himself and others better. Thank You!
I feel so very fortunate to be able to make my car payments from my websites.
It's all about a balancing act and there's a fine line between frugality and being cheap!
My own experience: I doubled my salary as a legal secretary in ONE year by moving from Atlanta to Los Angeles. My living expenses went up only 10%. Sometimes you have to be willing to consider changing environments.
People in my situation (office workers) have many ways to expand their work horizons; we just have to put a little time and money into it. I could study to become an IT specialist or a certified paralegal. Either of those would increase my employability and mobility.
The IRS won't let you deduct the cost of education you get to change careers. But if you are feeling "stuck" it is a worthwhile investment in yourself.
The reality is that a lot of people who need to "cut costs" have incomes so low that their expenses are already at a minimum. It's one thing to tell people to stop going out or cut out cable, but a lot of "frugal" people are going to ridiculous measures to save on things like toilet paper and food ( at the expense of their health and well-being). Instead of worrying about saving pennies on essential or trivial items, it would make much more sense to be in a position of not needing to worry about such things.
There is no "sure thing" for cutting costs when there are no costs to cut. I guess homelessness and starvation are options.
There are millions of people who work and make almost no money in addition to not receiving "benefits" many people take for granted. I imagine a lot of debt for these people comes from the attempt to just have some dignity and feel human, rather than really "keeping up with the Joneses" or materialistic desires. Increasing income is necessary just
Based on my own experience, many of these people could benefit from a more entrepreneurial outlook. For many people there simply are no such things as raises, advancement, other jobs. They are pretty much locked into whatever they are doing and wherever they live. The ones who do "advance" typically endup back at low paying entry level jobs when they are inevitably laidoff. I am not talking about Third World countries here but many parts of the U.S. While these people might not have the "right" pedigree/parents/romantic partners/location/mobility/resources to advance much in their "profession" they often have skills and talents that would be appreciated by the market- if they were allowed/encouraged to offer their talents.
Just because J.D. and other bloggers make money from blogging doesn't mean they are equating entrepreneurship and increasing income with "making money from blogging." Most entrepreneurs are not making money from blogging. Most INTERNET entrepreneurs/marketers are not making money from blogging. If anything, blogs are vanity projects for most internet marketers, if they have one at all. There are many ways to make a living being self-employed online and offline that have nothing to do with blogging.
Of course there are also ways to increase income by working for someone else. Working for yourself or someone else both have their pros and cons. Working for someone else is far from secure, though. I am surprised people are still as skeptical and fearful of the risk and uncertainty of self-employment considering all the people who lose their jobs and become unemployed for months or years and take huge pay cuts to take jobs with income ceilings well below their previous income. I know plenty of people who made 50-60 grand or more, people in 6 figure households who felt very secure and fulfilled, and then lost their jobs without notice. Then they looked for months, while receiving 30-40% of their previous income in unemployment compensation. If they found a job it paid less than unemployment with no "benefits," and no hope of ever advancing or recovering their previous salary. I have one friend who is very happy because after being fired 5 years ago he finally found a job that pays 80% what he was making. During that time he's had several dead end jobs that paid $8-15/Hr and laidoff/fired people without notice. He's been on and off UE and went to school this whole time.
The last time I was laidoff I just decided I would never get a job again. That was 6 years ago and so far so good. I just can't spend all my life being bitter over other people controlling my income, having the power to ruin my life on a whim, monopolizing time better spent with the people who actually care about me, and spending all my time chasing something to end up back in the same place. It's not worth the false sense of security.
Oh, and being FRUGAL has really helped me be an entrepreneur. My friends who "have" to have jobs and kneel and plead for permission to live from faceless entities all "need" worthless stuff. So they need some dubious promise of a certain income to meet all their debt payments and luxuries. They also all "have" to have children, but then they choose not to be parents. No Thanks.
Such a good article that gets to the heart of the conference, JD. Your keynote and workshops were excellent and your participation with all the attendees was icing on the cake for us- thanks!
As for the equation, most of the time it's very hard to have one without the other- saving and earning really go hand-in-hand. When one side is extreme, things can go very bad (we all know the stories of the millionaires who go broke or the hoarders who can't walk through their houses). It seems balance in the equation is key.
I do think, though, that when you initially find yourself in debt, making changes through frugality can really give you a sense of control in a typically out-of-control situation. This can turn out to be the impetus needed to make other changes that may include earning more as well.
I look forward to reading more insightful articles from you, JD.
@#16 Maharani Read "The Millionaire Next Door" by T. Stanley. Just doubling your salary will not make you rich, nor will only being thrifty make you rich. A combination of the two is the only to get rich and stay that way. This blog has the perfect amount of both parts of the equation.
(I just wish more PF blogs were like this one and focused less on religion as a reason to be frugal.)
We were thrilled to have you speak J.D. and I personally got a lot out of your talks. Thanks so much for helping others and for spending great one-on-one time with so many people this weekend. I hope we get to spend more time with you real soon!
Anyone interested in learning more about Savvy Blogging can check out http://SavvyBlogging.net or follow the hashtag on twitter: #savvyblogging
J.D.'s equation is correct, but it's only part of the story. cash flow is in fact income minus expenses like the article states. However, cash flow does not correlate directly to wealth. You would naively think that wealth is the integral of cash flow with respect to time. It isn't.
Suppose you earn $50,000. You immediately spend this money on building supplies and build a house with it. Your net cash flow is $0, but you now have a house that's worth more than what you paid for it. You've got a property with a value of, say, $60,000. This is investment. Certainly you needed some cash flow to start the investing process, but cash flow itself is not wealth. Also, you now have the ability to generate $60,000 new dollars in positive cash flow by selling the house you built, in which case you can invest in something new.
The average American household income is about $3,000/month, after taxes. If you spend *all* of that on living expenses, you will never save your $50,000 to build your house. If you manage to cut your living expenses by half, you can now save your $50k in about three years. However, if instead you were able to double your income, you could save your $50k in half that time. If you take this even further and double your income again (to $12k/month) you could save you $50k in only 6 months. However, if instead you cut your living expenses by half a second time (to $750/month) it would still take you 22 months to save $50k.
You quickly hit a point of diminishing returns with cutting expenses, where each additional percent cut from your budget buys you less and less. The opposite is true for increasing your income. There is absolutely no way to save $50k in less than 16 months on $3,000/month. However, if you're making enough money, there's no limit to how fast you can do it.
Here's one more example that's not so extreme:
Set a goal to save $250,000. Pretend you want to buy a house in cash.
Start off with the same $3,000/month salary.
Start with the same $3,000/month living expenses.
Scenario 1: Your living expenses never change, but each year, you manage to increase your income 7% over the previous year. This seems feasible, it's not a "get rich quick" scheme, you can probably find some way to improve your performance in whatever business you're in by about this much.
You save your $250,000 in a bit over 12 years. At the end of the 12 years, you make about $120k/year. This is definitely a good salary, but it's not ridiculously, infeasibly high.
Scenario 2:
You keep the same salary every year, but cut your expenses by 7%.
You save your $250k in 17 years, which is significantly longer. You're also living on $920/month at the end of this, which is probably infeasible in real life. You just can't keep cutting and cutting and cutting to this degree.
Scenario 3:
You combine both 1 and 2, both increasing your income by 7% every year, and cutting expenses the same amount. You'd think this would make a huge difference, right?
You'll save your $250k in 10 years. This is definitely an improvement over either one of the other scenarios, but it's not nearly the same sort of improvement you see if you solely increase income instead of solely decreasing spending. It also requires you to live on $1500/month at the end, which is certainly a lot more feasible that $920, but you still may think that's a bit low.
This whole calculation ignores inflation (meaning, your 7% raise per year is probably more like 10% in absolute terms). It also means that at the end, when I say you're living on $920/month, that's $920 dollars at 2010 value, not 2027 value.
This is essentially the same concept that J.D. likes to call 'the power of compound interest', except applied in a slightly different way.
One other note on this example: selling your 'stuff' makes almost no difference here. Even assuming you had $10k worth of stuff to get rid of at the beginning of this, it only buys you a few extra months in any of these scenarios. This is because a single, one-time influx of $10k is small in a scenario that takes 10-17 years to play out. At the end of these scenarios, you're saving in the ballpark of $2000-$5000 every month. The extra $10k just isn't that big of a deal any more. Selling 'stuff' can help you reduce debts and stop paying interest to other parties if you can do it all at once, but it really doesn't help you build long-term savings very well.
I know the site is called "get rich slowly", but I like to think that is meant to convey an idea of perseverance and the fact that "get rick quick" schemes don't work. It's not meant to imply you should go artificially slower than you have to, just because.
In short: ask for a raise every year, even if you don't always get it. Don't be afraid to take a job at a competing company if they'll offer you a better salary (assuming the job is otherwise similar). You don't need to start your own company to make a few more percent every year. Just be valuable in your industry, show that to your employers, and don't be afraid to ask for raises.
Good stuff Tyler. I enjoyed that analysis.
I hope one day I can attend that blogging conference for my blog!
Personal finance is a combination of frugality, increasing your income, and intelligent investments. Excel at one of these three and you'll be doing better than most people out there. Excel in all three and you will be rich (however you define that term) before you know it!
I agree with everyday tips, concentrating on cutting spending just seems easier than coming up with new income streams. I am currently trying to do both, tight budget and growing BFS…we'll see how it goes.
Wow, I don't think I've ever seen a blog with as many exclamation marks as The Thrifty Couple. Are they aware of the availability other punctuation?
I found this article quite interesting. It made me think if it would be possible for me to make an extra income with a blog/online publication.
I would like to know what is your business model? How much of your income comes from online ads, how much of it comes from paid downloads, etc.
My feeling is that you need to reach a HUGE audience in order to really start profiting from Google Ads, for example.
I absolutely agree with your equation! By combining both living below our means AND increasing our income through my blog we have been able to remain debt-free (and even increase our wealth through investments) even as we have spent the past year starting a new business that isn't profitable yet.
The freedom to start this business and be able to pour into it financially, 100% debt free and with a young family, has been incredible. So very worth all of the sacrifices we've made to live frugally, save aggressively and take entrepreneurial risks.
Thanks, JD, for the incredible wisdom and camaraderie that you brought to the Summit! Your story was powerful, your tips and ideas helpful and practical, and we're all so glad that you stepped outside of your shell to let us get to know you.
LOL, Honeybee. I think you may have a point. (I was tempted to put an exclamation point just for you.)
I guess when we get so excited about what we're talking about we get a bit carried away. Thanks for the feedback – We'll try to be more careful in future posts.
I totally agree that actually getting a web site to make money takes a LONG time. But it takes less if you actually set aside time each day to work on it – which is sometimes hard as a SAHM.
I've been working on our 'side project' for about a year now and I'm still excited when it brings in like $5 in a month. lol
I found for me it was really had to come up with a subject and constantly write about it – so I started doing reviews with links to purchase the item. The trick is that you have to actually create enough content to attract people and know the tricks of how to get up higher on the search engines.
Lucky for me I'm married to an internet marketing guru who can give me free advice.
"ask for a raise" – what world are you folks living in? A raise? Haven't had one in 3 years and won't have one for awhile. I am happy to have my job, with benefits, since my spouse in on the $300 a week UE plan while attending school. UE folks said not to even bother looking for a job with 15% + unemployment in our area. Half the building at work is empty and we are looking 2 days a month uppaid furlough (24 a year) and unpaid holidays (10 a year), starting Oct. 1, which works out to something like a 13% cut in pay with the 34 unpaid days.
As for those Moms that blog – who is parenting the little ones while you all are blogging? or working a 2nd PT job? Really? I am exhausted and stressed enough from the 1st job. And I went to college for this??
Blogging doesn't have to take 8 hours a day. And besides that kids can, and do, just play by themselves a lot of the day (yes, even with the TV off). You don't have to sit within two feet of them all day long and regulate every move they make. If you have a cheap laptop (I have a $250 Acer) you can easily sit within eye/earshot and they are perfectly fine.
I spend probably an hour and a half on my page each day while my daughter pretends to cook in her kitchen or puts puzzles together. I'm certainly not neglecting her and it's about 8 hours more per day with her than I was spending working + a commute. We had to budget a LOT in order to get to the point of me staying home in the first place, so I think it's totally appropriate for me to try to earn some extra cash to help with the bills.
That's what we did. With our website/blog and hubby's extra job we are finally getting to the point where we aren't having to be frugal just to keep our heads above water.
Yes, it was wonderful that we could pay 20K in 5 years on 22K year averaged income but it's the extra money that has helped to start paying off our house and stay debt free for the last several years!
Interesting seeing the two sides of the equation. I'm more interested in finding frugal tips at sites like this though. My DH works part time, I work part time seasonal (2-3 mos/yr) and the reason we're frugal is to spend time doing unpaid volunteer work. We'd just work more to earn more money…
Interesting comment above about religious web sites. I've never read one and not actually interested in it although I'm a Bible teacher and part of my frugality comes from my Bible based convictions. I imagine they are preachy–against everyone that's not living like Jesus literally, without a roof over his head. I find the Bible has a really balanced view of life unlike some fanatics.
It was such a pleasure to meet you J.D! I really really enjoyed our small group discussions and gathered tons of new information through those! Your sessions gave me a ton of new information to sift through! You're definitely a natural!
I'm looking forward to delving deeper into your blog!
@Tyler #35:
The only catch with your summary/recommendations would be if your skills are in a field with no opportunities.
Specifically, I had a coworker do exactly what your advice suggests – he asked for a raise, didn't get it, and took his skills to the competitor whom offered a better salary (in the same field). Unfortunately, he now has his 60 day layoff notice, and can't come back to our company, as we will be getting our 60 day layoff notice later this year. Combined with zero job opportunities in our field in this location, it's New Career or Bust.
50J.D., first off it was so awesome to meet you and chat blogging possibilities! Your sessions on community and monetization were fabulous. Your main point of telling a story was weaved throughout both topics. I think each person left knowing that their story needs to be told regardless of the blogging niche in which they identify. I just started your book tonight and can't wait to learn your personal finance tips! You definitely have a new GRS reader (or two in our family, with my husband reading now).
I do agree with Jacq and Patrick in that blogging may not be the ideal career to set out with when one is trying to eliminate debt. Earning money through blogging was an accidental career for me. I started to blog as a way to share our savings tips with others. I was hoping (and still do) a person in a similar situation as ours would stumble upon Mommy Snacks and have hope that their situation would get better.
Making money from blogging never entered my mind. I didn't know this type of "cash box" was even possible when I started 2.5 years ago! But, you can indeed make a living with blogging. Several attendees of the Savvy Blogging Summit do. Although, I wouldn't suggest blogging as an option to someone seeking an instant income stream (for several reasons). The return on your time investment doesn't come immediately.
When I was learning how to monetize Mommy Snacks, very few sites I knew of were sharing about the possibilities. I think it took me even longer to draw revenue than it takes the average new blog to earn today. Nonetheless, my income via blogging was a huge part of of eliminating our debt. If it wasn't a blogging profession that aided in our debt repayment, it would have been another income stream that would fit with our family's schedule. We had a goal of being debt free. The unexpected financial benefit of blogging has simply helped us to achieve a few of those baby steps that much faster.
Again, great recap of the Summit. Thank you for being authentic with everyone in attendance. I can tell you were being the same guy with all attendees as you are with your community here at Get Rich Slowly. That is so refreshing to see! I look forward to reading – and seeing – more of that!


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The Camino
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Norma Rae
Senior Member
Join Date: Feb 2013
Posts: 405
"all I really needed in life were good shoes, a loyal stick, and pure water"
There are at least two reasons why I love Shirley's conclusion in
The Camino
that "all I really needed in life were good shoes, a loyal stick, and pure water." First, the reference to the essential nature of water, which I'll return to in a moment. And second, two very important women in my life (my partner and my best friend who suddenly died in a freak accident a few years ago) have made similarly bold statements: (1) when my partner and I came out of the Yosemite wilderness after 3 nights of backpacking, she concluded that "all I really need in life is what's in this backpack." It was an astonishing statement to hear in general and to hear from her as I could see the layers of unnecessary clutter melting off of her before my very eyes; and, (2) my Friend often made the following statement after hiking in her beloved Smoky Mnts, "After a long hike, there's nothing like soft shoes, cold beer, and warm corn muffins waiting in the car." Perhaps there is something about walking and repeatedly placing your feet upon sacred ground--the Camino, Yosemite, the Smokies--in a moving meditation that brings you to the astonishingly simple epiphany that we need so very little to find freedom?
Now about that water . . . Joanne, I love your ponderings on why humans have such a primordial connection to water. I think we would all agree that there is something not only life sustaining about water, which is undeniable, but also something ancient we've forgotten and are trying desperately to rediscover. Before we come into this life, we are surrounded by water in the womb; when we are born, we are probably 75% water; as adults, our bodies are still 50-65% water; the planet we live on is a veritable waterworld of almost 70% water; our religions are all steeped in mythology and symbolism of sacred waters (baptisms, for example); literature is full of water imagery usually as a symbol of cleansing or rebirth, but also death and destruction (Shiva?); water gives life, but also takes life (Hurricane Katrina and recent Asian tsunamis); many have past life recollections of water destroying Lemuria and Atlantis (Shirley recalls such moments in
The Camino
) . . .
I love the part in
The Camino
where Shirley describes her past life in Lemuria where she agreed to undergo sexual division by first giving birth to her other half while absolutely surrounded by an amber (I think that was the color) liquid. Similarly, once the division began, she and her partner remained completely engulfed in the amber liquid during the division and then later during their sexual reunion. The liquid seemed to create some sort of life-producing protective holding space. An unbelievably amazing and beautiful moment in the book, I thought.
I am curious to get others' perspectives on water in general and, also specifically, do any of you have past life memories involving water?
Namaste from my last day in the Las Vegas desert . . .
"I wasn't going to spend my life doing what had already been done." - Georgia O'Keeffe
Norma Rae
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▲Business Analyst with QA Experience
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Our client is building a new Service Desk and everything required to support it. This role will support the design, configuration, testing and training activities for the telephony solution, the remote takeover tool and the afterhours support solution as the core focus. This project is part of a program to repatriate IT services from our current partner.
This is approximately a 5 month contract.
Responsibilities / Responsabilités
Business Analyst
• Leads facilitation of workshops
• Creates process maps and documentation
• Guides and assists Subject Matter Experts in the creation of procedure documents and other project deliverables
• Support development of training and communication plans to support go-live
• Develop the governance model
• Facilitate the artifacts for support team from the vendor augmented as necessary to reflect the Talisman configuration
• Assist in handoff of the solution from the project team to operational team
• Support Organization Change Management strategy by effectively engaging key stakeholders
• Support the PM as required
Quality Assurance Analyst
• Complete test management, planning, execution and monitoring activities
• Work closely with the project team and vendor to help create, maintain, and execute system/regression test scripts
• Validate test scripts for completeness, control configuration migration between environments in conjunction with project teams
• Logs, tracks, and verifies resolution of software and specification defects using HPQC tool
• Report test results and metrics to the management team and proactively work to resolve any such issues
• Serve as a coordinator for all testing activities on project as assigned
• Point-of-contact during the defect tracking process
• Help create necessary documentation for all phases of QA process
Requirements / Exigences
• Creates process workflows and guides (all processes in scope)
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• Definitions, guiding principles, workflows, RACI, Notifications, Tasks, etc.
• Future State Design Artifacts (models, matrices, etc.)
• Governance Models
• Testing Plans, Test Scripts, Testing Coordination & Test Execution to support delivery of the Telephony tool in conjunction with the integrated program tools
• Management of QC tool for Service Desk items
• Collaborates with PM to ensure work plan supports key milestones
• Minimum of eight years' experience in a relevant field
• Demonstrated track record of business analysis and process design with 5+ years' experience in Business Analyst roles
• Experience on projects with Formal Testing framework
• A good understanding of and experience with Telephony solutions
• Proven track record with ITIL and IT service management (ITSM) principles
• Excellent facilitation skills
• Ability to effectively communicate with IT members and service providers
• Customer's centric view when identifying potential problems and finding and driving solutions.
• Highly self-motivated
• Flexible approach to work and able to perform under pressure
• Excellent analytical and process design skills
• Organization, accuracy and attention to detail required
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Candidate Profile
• Committed to the success of the team deliverables. Willing and able to "roll up sleeves"
• Experience supporting a ServiceDesk and all that is associated
• Good communicator, with effective verbal and written communication skills
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With a wide selection of styles, ranging from baby-soft booties for newborns to rugged sneakers and boots for 5-year-olds, your son will have everything he needs to put his best foot forward. And best of all, you can shop risk-free knowing that we'll pay shipping for any returns up to a year after purchase.
© 2005 - 2014, Quidsi, Inc. or its Affiliates. Diapers.com is operated by Quidsi Solutions LLC. Unless otherwise noted, products on Diapers.com are sold by Quidsi Retail LLC. Gift Cards and E-Gift Cards sold on Diapers.com are sold by Quidsi Gift Cards, Inc.


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'Yung mga gabing napupuyat ka dahil sa isang tao. Tipong, aabutin kayo ng madaling araw magkausap sa phone o magka-text. Magka-chat o magka-tweet. Minsan, wala man kayong mapag-usapan, sige pa din. Parang walang bukas 'pag kayo'y nagka-usap na. Minsan naman, paalahanin ka na…
(via illneeverbethatgirlagain)
You must learn her.
You must know the reason why she is silent. You must trace her weakest spots. You must write to her. You must remind her that you are there. You must know how long it takes for her to give up. You must be there to hold her when she is about to.
You must love her because many have tried and failed. And she wants to know that she is worthy to be loved, that she is worthy to be kept.
And, this is how you keep her."
(via legitimusmaximus)


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Robicelli's: Flavors: Friday, February 1st
It's a brand new month, which means…….IT'S FANY FEBRUARY!
Maybe you don't know what Fany February is- particularly since I made it up. But it's super awesome! Promise!
Many of you here in NYC know Fany Gerson as the owner of La Newyorkina, maker of the best paletas (aka Mexican ice pops) on…
special dulce de leche macaroons coming next week!


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Epic new content! Awesome.
And, it starts a couple of days after my last exam. Even better.
See you in-game!
If you're like me and decided you wanted to spruce up your computer's recycle bin icons, you may have encountered a small problem.
After changing the icons (here's how), I found that, whenever I moved something to the recycle bin, the bin's icon didn't change. Similarly, if the bin was full and I emptied it, the icon wouldn't change.
In order to actually force the icon to update, you need to refresh the desktop. That kind of defies the point. So, I pulled up trusty ol' Google Search and, eventually, found a solution.
Turns out it's an issue with the registry. As ZERO Tolerance pointed out here, when icons are assigned from .ico files, instead of .dll files, the value is not correctly written to the registry - the system "forgets" to add a comma and a 0 after the icon's file directory (e.g. C:/directory/icon.ico, 0).
- Run the Registry Editor (regedit) - in Windows 8, type "run" in the Start screen, click the "Run" program, type "regedit", hit enter or press OK.
- Using the left pane, navigate to HKEY_CURRENT_USER\Software\Microsoft\Windows\CurrentVersion\Explorer\CLSID{645FF040-5081-101B-9F08-00AA002F954E}\DefaultIcon.
- In the right pane, double click on each of the registry items and add ", 0" to the end of each of the values.
And, hey presto, the recycle bin is now behaving as it should.


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Huntsville, AL-Huntsville native Jed Bradley did it all Tuesday night for the Huntsville Stars. He pitched six shutout innings and also provided the only offense in a 2-0 win over the Chattanooga Lookouts at Joe Davis Stadium in Huntsville.
David Goforth came on in the ninth inning and recorded a 1-2-3 inning. Goforth, who earned his Southern League best twenty second save of the year, struck out Corey Seager to end the game.
--- Source: Al.com
September 16, 2014
Hixson and Central entered their volleyball match on Tuesday tied for first place in District 6-AA as both were unbeaten in three matches. The Lady Wildcats have that top spot all to themselves ... (click for more)
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Chattanooga Grizzliez Basketball organization will host a fundamentals clinic on Oct. 4, at Red Bank Middle for ages 5-13. The clinic will focus on four main points which are as follows: ... (click for more)
Hixson and Central entered their volleyball match on Tuesday tied for first place in District 6-AA as both were unbeaten in three matches. The Lady Wildcats have that top spot all to themselves after pinning a 3-1 defeat on the Lady Pounders in a match held at Brown Middle School's Carole Wilson Gymnasium. Hixson won the first set with ease by a score of 25-12 before winning ... (click for more)
City Internal Auditor Stan Sewell told City Council members on Tuesday that EPB and the city are "close" on the amount owed by the utility to the city on street light overbilling. Mr. Sewell said the city computed the amount at about $1.2 million, while he said EPB's auditing firm, Mauldin and Jenkins, has it at $1.5 million for an 89-month period that was audited. Mr. Sewell ... (click for more)
The City Council voted Tuesday night 5-4 to set up a new process for naming members to the Industrial Development Board (IDB), which currently has four vacancies. The process includes three City Council panels: A (Districts 1, 2, 3), B (Districts 4, 5, 6), and C (Districts 7, 8, 9). Group A will fill two of the vacancies and Groups B and C one each. Agreement ... (click for more)
Wow. I thought the arrival of Bass Pro Shop would help bring East Ridge back to a position of prominence in the Chattanooga area, but the Council proved otherwise last night. To the council - There is a reason that the developers want that dirt: It's valuable . You currently own it and the developer wants it. Bass Pro has already agreed to set up shop. They were going ... (click for more)
The month of August turned out to be unkind, with my dog, my favorite aunt and my magnificent mother all dying within three weeks' time. As I finally begin to push out the three newest dents in my soul, my habit has been to write something akin to a goodbye note to those I have loved. I'm not ready for Aunt Martha and Mother yet – not by a stretch -- but I remembered Scooter with ... (click for more)


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SAN DIEGO (CBS 8) - A man is dead after being hit by a car while walking across the street in Torrey Hills Wednesday morning.
The man, who was about 70, was attempting to cross in the 4600 block of Carmel Mountain Road near Ocean Air Drive at about 6:00 a.m. when he was struck by an eastbound vehicle, according to San Diego police Officer Dan Lasher.
The victim was taken to a local trauma center, where he later died.
Investigators believe the driver didn't see the man.
"Speed is not going to be a factor, she was traveling at about 30 miles an hour, slowing down to the next traffic light. And there's an individual in the middle of the street and she strikes the individual," said Sgt. Joe Benavides with the S.D. Police Department
The victim's identity is being withheld until family members are notified.
The occupants of the vehicle were not injured.
The southbound lanes of Carmel Mountain Road were closed between Ocean Air Drive and Vereda Mar Del Corazon, likely until about 10 a.m., according to the California Highway Patrol.


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Things weren't meant to get so fucked up, at least that's not how she planned them to be. Such a happy girl that was always so strong, that didn't think she could get broken until just a few months ago. There were many reasons that she couldn't find herself to tell her boyfriend and her own best friend what was going on, or even why she shut them out. It was hard to explain herself how messed up her mental health was. She was only able to talk to someone that was as fucked up in the head as she was at the moment, and that was Alex. She'd had a lot to think about the night before, up in the mountains where Alex had taken her, finally getting everything out in the open. The only thing she hadn't mentioned was something she had remembered after she had gotten her memory back, a harsh truth about why she got in that car, why she forced herself to drive under the influence. Hopefully now that she was ready to tell Aiden he'd understand, she knew that if she lost him she'd get that same feeling again and wouldn't know what to turn to.
As Stella sat in her room staring out at nothing, her head spun dizzily. She put her head in her hands to block out the thoughts but memories of the past weeks replayed in her head over and over again. From the accident, to the anons, her sister, everything. "Okay.." She muttered to herself lowly as she got up from her bed and walked to her bedroom door, grabbing her satchel on the way and slinging it around her neck. She locked up her dorm shakily, her head still throbbing with images as she made her way down the hall and out of the girls dorms. Stella walked across campus, something she was normally so cheerful about but today just..nervous. It scared her to think that the people she cared about most would look at her in a different way, like she was disturbed for thinking the way she did. She just wanted to be normal again but that was easier said than done. Maybe opening up to Aiden would help, if he didn't think she was crazy.
She let out a heavy sigh as she made it to the boys dorms, taking in the sight of the rooms that seemed a bit unfamiliar to her. She walked down the hall, finding her way to his dorm and reaching her hand up to knock. She hesitated, her arm going down slowly. Don't leave.. She thought biting her lip as she stared down at her feet. Her heart racing slightly at the thought of this confrontation. The last time she had spoken to Aiden, he had told her he was pretty much done. That alone had given her those aching pains in her chest that ached to just be with him again, to forget everything. Stella let out a heavy sigh and rose her hand up to knock, this time giving the door a few taps. I must look horrible. She thought referring to her red eyes. Those eyes bloodshot from a night of tears and nightmares. When he opened the door her eyes looked up to meet his. Her mouth unable to come up with words to speak as she stood there.


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Business Ideas in the News / November 14, 2001
Mighty Auto PartsAuto Parts. Sourcing and managing replacement parts is a major challenge facing today's professional installer. It is this challenge that presents opportunity for the Mighty franchisee. Most professional automotive installers – whether independent or a part of a national chain – rely on local suppliers such as Mighty, for their parts needs.
Originally posted by Dane Carlson on November 14, 2001 in Uncategorized.
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Ribbons and trim
Decorative Trims, Cords & Fringe from M&J Trimming. Gertie & Mabel. Buy Wholesale Ribbons and Trims, Woven Jacquard Ribbon & French Ribbon. PBTex. Sewing Craft Limited ::. sewingcraft.com. Rosebankcreations. Atelier de Happa - craft from Japan Sashiko, crochet threads, purse bag handles lots more!
Buttonmania. Butler Manufacturing Co. Cotton On Creations - threads lace needles buttons. Online. Wholesale Trims, Appliques, Beads, Crafts - Expo International, Inc. Wedding Decorations | Party Decorations | Ribbons & Trims | A. MacDougall and Company Pty Ltd.


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Mainan bayi IKEA
Dari saat bayi lahir ke dunia, mereka menggunakan deria untuk mengenali persekitaran mereka. Tetapi deria ini belum berkembang sepenuhnya, dan merangsangnya adalah sangat penting. Dan sangat menyeronokkan! Mainan bayi kami menggunakan bunyi, tekstur dan warna yang menonjol untuk rangsangan yang selamat. Tiada bahan kimia yang merbahaya, hanya saat-saat yang menyeronokkan.
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A great mix of fun baby toys
Welcome to our range of fun, safe and versatile baby toys that'll keep your little one's hands and brain busy and happy. You'll find lots of different baby toys for tots of all ages, from newborns to toddlers. Check out our LEKA series, for example. Here you'll find great baby toys like rattles, balls and building blocks, all made of fabric that's soft on your baby's skin. The rattles even have a low sound level to suit babies' sensitive ears. Or have a look at our MULA series with its classic toys in wood or colourful plastic that help kids develop their fine motor skills.
Baby toys that help your baby learn and develop
It's through play that children learn and develop. So we've designed our baby toys with your baby's development in mind. The toys that hang down from our baby gyms, for example, stimulate your baby's eyesight with their movement and the sharp contrasts of their colours. And when your little one reaches out to touch them, it helps improve eye-hand coordination. Building a tower out of our different sized plastic beakers develops your baby's fine motor skills and logical thinking. So check out our baby toys. You and your baby will both enjoy playing with them and they'll help give your little one a great start in life.


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Elise Ryan
Tube Satin Dress
Shipping 3-6 working daysOver 850 brandsScandinavia's No 1 Fashion Site
Bandeau dress by ELISE RYAN. Bodycon style with wired and padded cups. Hidden zip to the back.
Made of 48% Cotton, 48% Polyester and 4% Elastane.
Hand wash recommended.
Model is 175 cm tall and is wearing a size X-Small.
Item no.: 555086-0014
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- Producer
- Seth MacFarlane
American Dad!, Series 7 Episode 7 of 19
Duration: 20 minutes
If there's one thing that Stan Smith loves, it's a good jury trial, so he anxiously awaits his annual jury summons. But when Roger is the defendant in the trial where Stan is the foreman, he is finally in a position to make Roger accountable for his misdeeds. Jeff and Hayley move in with the Smiths and Francine tries to get Jeff to clean up his act.
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Home > Post > Post 14 > Post 14 News Release > 2008 News Releases > News Release
News Release
TFC Michael Murriell
Public Affairs Officer
Kentucky State Police
Post 14, Ashland
(606) 928-6421
Click here to e-mail TFC Michael Murriell
Human Remains Discovered in Greenup County Identified
Date of News Release: 09/04/08
(Ashland, KY) - On 09/04/2008 the remains have been identified as Delbert Dillow, reported missing to the Kentucky State Police on 07/24/1999. The Kentucky State Medical Examiners Office made identification thru Mitochondria DNA submitted by the family. No foul play is suspected at this time. The incident remains under investigation by Detective Eric Kouns.
Original News Release Below:
Date of News Release: 09/26/07
(Ashland, KY) - The Kentucky State Police at Ashland Post 14 is currently conducting an investigation after human skeletal remains were located in a wooded area off of Happy Ridge Road near the Boyd / Greenup County line.
Construction workers discovered the remains and contacted the Kentucky State Police who responded to the scene. Dr. Emily Craig also responded and confirmed the remains were that of an adult male. There is no additional information available as to cause of death. Authorities will be on site tomorrow during daylight hours to scour the scene for additional evidence.
** The case remains under joint investigation by the State Medical Examiner's office, Greenup County Coroner, and Detective Kouns of the Kentucky State Police.


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PropertyOfZack is happy to be streaming and giving away a download of Weatherstar's new single, "Better Off Alone," which is coming off of a new EP. Stream and download it below by clicking "Read More!"
fanpage :) Cameron's tumblr is cameronwalkerwright.tumblr.com
amywonton replied to your post: do you know why did cameron delete his tumblr account? :c
cameronwalkerwright still works..?
My mistake! Url change :) Missed it during the power outage


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You can't have too many cameras at Super Bowl XLVII. And you can have too much of the Harbaugh brothers. Which is why CBS is promising lots of the former and just the right amount of the latter.
The first promise is easy to keep. The second — not so much. Chances are you're going to have to use a calculator to count the number of times we see San Francisco coach Jim Harbaugh and Baltimore coach John Harbaugh on the sidelines. How many times we hear their names, How many times the brother-vs.-brother angle comes up.
"Obviously, it will be talked about a lot by sports fans and non-sports fans," said CBS Sports chairman Sean McManus. "It's an interesting story. It's one that everybody can identify with because many of us have had sibling rivalries throughout our lives."
CBS will, not surprisingly, air a feature on the brothers during their pregame show. The network is hoping to get the two to sit down together for a joint interview, but there's no confirmation at press time that that's going to happen.
And during the game itself, the cameras will be focused on the coaches' reactions to various plays. Just like every other televised football game.
"But it's not going to dominate at all the coverage of what happens in the game itself," McManus promised.
It just might seem that way to some viewers.
CBS will certainly have plenty of shots of the Harbaugh brothers. There will be 62 cameras at the Superdome in New Orleans. That includes unmanned cameras and aerial cameras — which is always sort of weird when a game is being played beneath a dome.
McManus tried to downplay those numbers a bit, "But, listen, there are a lot of cameras," he allowed.
That's 62 as compared to somewhere between nine and 12 cameras for your average regular-season NFL game. And twentysomething for playoff games.
All those cameras should improve the viewing experience, but that's not the only reason they're there. For CBS, a worst-case scenario would be a controversial play without a definitive camera angle.
"What people sometimes forget is that the television now is an integral part of the actual officiating of the games," McManus said. "The referees use our replays to determine if a guy's foot is in bounds, if a guy's knee was down, if a reception was made or if a touchdown was scored. So you want to make sure in the Super Bowl that you have every possible angle covered."
And they want to make sure that there's an angle that isn't blocked by one of the players or officials on the field.
To that end, CBS will employ a "hyper-zoom system" that enables the technicians to zoom in on replays "in a lot clearer manner than you normally could," McManus said. Meaning that freeze-frames that, in the past, would have seemed cloudy and indistinct will now be clear.
Clear enough to show us exactly what happens in what has to be the most-anticipated postgame handshake between two head coaches at a Super Bowl in the game's history.
"It's primarily about the players on the field and what they're doing," McManus said. "But it's a great storyline that will be talked about a lot."
Probably too much, despite his promises.
Scott D. Pierce covers television for The Salt Lake Tribune. Email him at firstname.lastname@example.com; follow him on Twitter @ScottDPierce.


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HE Omegle
Homepage › Forums › Welcome to HighExistence › HE Omegle
Olivia (@lolivia) 1 year, 9 months ago
I think it would be a cool idea to have a version, jussayin.
0 votes, posted 11.28.2012 at 10:00 pm+
You must be logged in to reply to this topic.
Eric (@blankey)1 year, 9 months ago ago
We could definitely do this on our own. Skype? Google+ Hangouts?
Francina (@francina)1 year, 9 months ago ago
I dont think you can do multiple video chats on skype. Tinychat would work though :) and all the google ones!


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Wednesday, June 18. 2014
Yo! Its the Bubbletime
People Invested $1 Million In An App That Just Says 'Yo'
"It's not just an app that says Yo," says Mr Arbel. "It's a whole new means of communication"
'nuff said... are we getting to an age when every startup gets $1m just for existing? Will tomorrow see $1m for an App that says Ni! ?
As was noted by James Surowiecki* in the New Yorker, the problem is increasingly not getting started and seeded these days, its finding a way out the Darwinian stew of all the other crap ideas encouraged to start up - and this ain't the way to fix that.
* Author of Wisdom of Crowds
Posted by Alan Patrick in Bubblewatch at 23:48 | Comments (2) | Trackbacks (12)
Friday, June 13. 2014
Twitter Soap Opera - we told ya so
When the Twitter IPO was mooted, we believed that although the company has potential, one of the major risks to its future valuation was its management - see here for example, where we wrote :
6. As always though, realizing potential comes down to execution.
The fun and games this week was totally predictable (see above...), now we await part 2 of our prediction - an Eric Schmidt type character brought in to reassure investors.
Who's your money on?
Posted by Alan Patrick in Bubblewatch at 11:28 | Comments (2) | Trackbacks (11)
Tuesday, April 29. 2014
Twitter, Stock Prices and the Bubbletime Punditocracy
So, Twitter posts perfectly good results that make perfectly good sense for it's business progression, yet the stock falls sharply (down 10% at one point in aftre hours trading).
Well, unfortunately for Twitter, the Bubbletime Punditocracy wants to believe its a $50 stock, despite its fundamentals (which are very well known) implyingits more a $26 stock (it's IPO price). Twitter is what it is, and hasn't changed its model dramatically since its IPO, and its track hasn't shid=fted much from then - so its hard to imagine why its value should be be double its IPO valuation - Irrational Exuberance and Irrational Analysis at the same time.
To quote that great tech stock analyst, Mr D Bowie:
"And I want to believe in the madness that calls now
(Cygnet Committee)
Facebook had the same problem, the Punditocracy was desperate to believe it was something it wasn't, it took them a good year or so to get their business to a point where it started to resemble their wishes, and its stock price driftef ever lower from its peak of irrational exuberance until that happened. Twitter is best advised to ignore the Pundits as well and just get on getting on with it.
Posted by Alan Patrick in Bubblewatch at 11:59 | Comments (0) | Trackbacks (0)
Wednesday, March 26. 2014
Candy IPO Crushed
King Digital stock price fall on IPO day courtesy Yahoo Finance
It was no great surprise to us that the makers of Candy Crush, King Digital Entertainment Plc , had a less than illustrious IPO. As we wrote in February, it was high time to run for the IPO gate before it closed on them, and they have. Good luck to them, they now have $500m in the bank now, a useful cushion against the slings and arrows of outrageous future misfortune. The c £8.5bn valuation (now c $7bn) will not be quite so easy to live with, I suspect.
But nothing changes our analysis since February, this stock is a still very high risk punt, and sold at Bubbletime prices to Bubble-minded investors to boot.
Posted by Alan Patrick in Bubblewatch at 23:57 | Comments (5) | Trackbacks (0)
Tuesday, March 25. 2014
Facebook vs Google - let the Gogglewars begin
Who needs Google Glass with these goggles...
Facebook has bought a tiny Virtual Reality company with a near-virtual product for $2bn (mainly stock) - Grauniad.
Kudos to Oculus, it started as a kickstarter project 2 years ago and has taken some serious funding. And actually, its likely that goggles or glasses of some sort will be the view-screen of choice at some point. This is clearly where Facebook see it going, as Mark Zuckerberg notes:
After games, we're going to make Oculus a platform for many other experiences. Imagine enjoying a court side seat at a game, studying in a classroom of students and teachers all over the world or consulting with a doctor face-to-face -- just by putting on goggles in your home.
This does point to a rather interesting tussle between Google Glasses and Facebook Goggles for nerdiest eyewear, and it also points to a new tussle for video screenware device-as-portal. But this is very early days for a virtual product for virtual reality, to go for for $2bn. Still, its all virtual money and it all works out in the Bubbletime.
Can't wait for the iGlass now.....you just know its coming.
Posted by Alan Patrick in Bubblewatch at 22:46 | Comment (1) | Trackbacks (0)
Monday, March 3. 2014
Real Estate as a predictor of Tech Bubbles
In the 90's and 'Noughties I made many trips to San Francisco/ the Valley, and as the 90's dotcom bubble built up on I noticed two "non-stock" signals of its frothiness - house prices and occupation of the SoMa (South of Market) area by trendy bars and techie startups:
- House prices rose to the point that educated non techies couldn't afford them, so people like teachers were priced out. This is starting to happen again. (By the way, my "top of market" indicator was when teachers in SF/SV decided to sell and go and teach elsewhere/semi retire based on the huge house price gains)
So, another sign of the BubbleTime.
Of course, this time it Will Be Different....
Of course it will....
Incidentally, I recall going back in c 2003 after a 2 year absence and there was a house price tumble almost back to Palo Alto, plus SoMa was full of winos and old newspapers again....
Posted by Alan Patrick in Bubblewatch at 11:49 | Comments (11) | Trackbacks (0)
Tuesday, February 18. 2014
A Crush on King Candy?
A Salutary Lesson - Zynga Shares (Source: Yahoo Finance)
News out today that King, manufacturers of the current hot mobile game Candy Crush, have filed for a $5.5bn IPO. We were asked what do we think?
- Based on a growth from a few $100m revenue in 2012 to $1.9bn in 2013, and real profits of c $570bn, a valuation of $5.5bn is tame by Dot Com 2.0 standards, but....
They may be able to replace Candy Crush with a "next hit" but the Gaming ecosystem is littered with the bones of companies that didn't The music industry's stage is littered with the bones of 1 hit wonderbands. The movie industry...well, lets see what Candy Crush 2 looks like.
Posted by Alan Patrick in Bubblewatch at 23:45 | Comments (0) | Trackbacks (0)
Friday, December 27. 2013
2014 will be a good year for Bubblewatching
NASDAQ Composite Index - price since inception (Yahoo Finance)
We have watched the rise and rise (and slight wobble post Facebook IPO) of the Next Tech Bubble for the last few years (see our BubbleWatch series), and as you can see teh NASDAQ Indez (abobve) tells you fairly clearly what is going on. As the NYT reported about a month ago:
Yet interestingly, there are still Bubble Deniers - NYT again!
At about the same time, an article in Forbes argued that there were 3 reasons we are not about to witness another equity-led bubble bursting:
See the NASDAQ chart above for an alternative viewpoint to this - and would it surprise you that trading volumes are rising to near-2000 levels too? Forbes notes in the same article that more money has poured into equity mutual funds in the first 10 months of 2013 than it has since 2000, although most is washing round in international funds at the moment (as it was in the late 90's until Tech really got sexy).
And you know its on its way when the Tech Fan-Press argues that This Time its Different - as Wired did in December:
...exuberance isn't always irrational. It seems that the kinds of companies now being backed by investors — not to mention the way that they're run and the way the market responds to them — are far different from what we saw at the turn of the millennium.
Re Talent and so on, I recall that it's about what everyone said in 1998/9 too, but by 2000 it was all about pumping money from Wall Street to Madison Avenue and throwing money at rare skills.
And yes, I know that some giant companies were formed in the DotCom era, and we understand the function of bubbles in facilitating creative destruction - but I also know there was a huge amount of money lost by innocent people. To me its clear that we are in a run up, we haven't quite hit irrational exuberance but when you look at that NASDAQ graph it won't be long in coming unless some other investment area gets major returns.
To me though, as ValleyWag notes, you just know that if something like Kozmo.com is relaunching, the blue touchpaper has been lit. I now await WebVan to stir, and we know we're off. Get your telescopes out, 2014 watching is going to get interesting.
Posted by Alan Patrick in Bubblewatch at 17:26 | Comments (4) | Trackback (1)
Saturday, September 14. 2013
Twitter IPO - Will it fly?
From Broadstuff's Bubblewatch Dept:
Dominic Rushe over at the Grauniad asks for our thoughts on the Twitter IPO. which he summmarised in this article. To give a bit more background, we think that:
1. Twitter is far more sensibly priced than Facebook and other "Social Media darlings" like Zynga and Groupon were at float
- Twitter valuation in price per user terms is $14bn/c 240m users (assumed at IPO) = $58/user, i.e. about 50% of FB ratio at flotation
2. Compared to Google's IPO, it is very similarly valued.
- GOOG was $23bn valuation on (est) 500m users and $970m revenues,
3. It has higher future growth potential that Facebook
- 240m users to FB c 1 billion at time of IPO
4. It is more reasonably priced within its own fundamentals and lifestage than Facebook was
- (Assumed) c $0.5bn revenues, 240m users = c $2 per user, 50% of Facebook's IPO, but at 15% of valuation.
5. Twitter probably has a longer life than Facebook post IPO - there are so many directions it can still grow in, whereas you exactly knew what FB was at IPO, and you even could see the competition emerging. That is not so clear with Twitter.
6. As always though, realizing potential comes down to execution.
- The FB team are very focussed, Twitter is harder to judge - lots of change at the top over the years, we wouldn't be at all surprised if they bring in an "Eric Schmidt" figure.
7. Facebook took a year to find its IPO price, so that pricing debacle is also unlikely to be repeated with Twitter.....we hope. (Hype springs eternal, as you all know....)
In other words, by the standards of stupidly overhyped and overpriced Social Media floats so far (excepting Linked In) it is almost rational - its lower priced, with more future potential, than the most recent ones. With Twitter you only have to believe it has a similar future potential to Google at IPO, not 4x the potential of Google as as you do with FB.
Posted by Alan Patrick in Bubblewatch at 16:48 | Comments (0) | Trackbacks (0)
Monday, May 20. 2013
Tumblr'ing Down
Hot on the heels of the wisdom (or not) of acquiring Summly, Yahoo has now apparently also acquired Tumblr for $1.1bn. Tumblr, for those of you who don't know, is somewhere between a a blog and a microblog (a Mediblog), has revenues of $13m. So why pay $1.1 bn? The argument is the user numbers - Next Web:
With more than 300 million monthly unique visitors and 120,000 signups every day, Tumblr is one of the fastest-growing media networks in the world. Tumblr sees 900 posts per second (!) and 24 billion minutes spent on site each month.
So lets value it the old, boring way:
300 million x 12 = 3.6 billion unique visits (not necessarily different visitors of course) and 120,000 new ones a day x 360 days = c 43m new users per annum, the hope no doubt being that this will continue to grow like topsy. Lets assume that this growth gives c 1 billion users in 5 years, so we get a 50% increase PA on 50m new users, and assume we lose none, and that gives a Net Present Value of about $ 0.33 margin (at 15% IRR) to get to c $1.1 bn fully discounted free cash flow.
Or thereabouts.....we can also do it another way - by comparison:
Another Mediblog, Facebook, has an Average Revenue per user is about $1.25, and it's user base is about 1.1 billion and slowing. It is valued at $60bn in an open market. Applying Facebook's valuation to Tumblr today, with c 1/2 the user base gives us $60 bn x 1/2 user base x (0.03/1.25) ARPU = $0.75bn. Throw in a 33% uplift fir future optimism, and there's your $1.1bn
So you can believe on of two things:
(i) The Bubbletime will continue after Yahoo's acquisition, and the business will stay as good as Facebook is now, or
But of course you can - or Yahoo thinks so anyway, heck they even paid with cash, not shares!
Alternatively, one could take the opening line from Cockney Rebel's "Tumbling Down" anthem.
The refrain of which is Oh dear, look what they've done to the blues, blues, blues.....
Posted by Alan Patrick in Bubblewatch at 13:56 | Comments (0) | Trackbacks (0)
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Maybe we should reconsider our position towards anime, especially in light of the fact that our Japanese friends can go really over-the-top with their fanaticism towards it. Normally, we're tolerant of those who enjoy it, but when the obsession goes a little overboard - as is the case with this one - then we can't help, but wonder what these loonies are thinking.
It's cool if it were any other car, like maybe, a Corolla or a Civic , but painting anime and manga characters all over a beautiful Ferrari 360 ? Imagine the outcry over there at Maranello. They never, in their wildest dreams, would have thought that somebody would do this to one of their exotics.
Maybe the owner of this car should get married to the owner of that Hello Kitty Ferrari 360. That would be a sight to see.


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Deep Ancestry: Inside the Genographic Projectby Spencer Wells
About the Author
Spencer Wells is an Explorer-in-Residence at the National Geographic Society and the director of the Genographic Project. After studying under genetic pioneer Luigi Cavalli-Sforza at Stanford University, he began an unusual career that mixes science, writing, and filmmaking. His acclaimed first book, The Journey of Man, combined his own DNA research with the work of archaeologists, paleoanthropologists, paleoclimatologists, and linguists to show how modern humans came to populate the planet.
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