text: 03 Jun 2015 Celebrity mothers and daughters who dress alike Previous slide Next slide 1 of 25 View All Skip Ad When you attend a party with your mum and she goes by the name of Madonna, you've got to be prepared to have her either a) upstage you b) raid your wardrobe. That's what happened to 18-year-old Lourdes, who hit a Macy's launch with statement tights and leather accents in unison with her 56-year-old mother Credit: Rex Matching puffy skirts? Check! Sweet pastel shades? Check! Jennifer Lopez and daughter Emme were a photographer's dream when they stepped out together at the Home premiere Credit: Rex Kim Kardashian toted 2-year-old daughter North West as her accessory of choice to the spring/summer 2015 Givenchy show. The pair wore matching black lace Givenchy outfits, just like they did at Kardshian's wedding to Kanye West Credit: Getty Model Kate Moss has no shame in co-ordinating her look to her young daughter Lila's, proving that the versatile Breton stripe can wash with small and older people alike Credit: Rex Blonde belles Goldie Hawn and Kate Hudson have got mother-daughter airport dressing down pat (note the shades, grey marl tees, comfy boots and necklaces) Credit: Rex Former top model Yasmin le Bon passed on all her best genes to daughter Amber, as well as her bohemian sense of style on the red carpet Credit: Rex ...while ex-Paris Vogue editor Carine Roitfeld bestowed all her fashion nous to her equally stylish offspring Julia Credit: Rex Claudia Schiffer and daughter Clementine both stepped out in floaty mid-length cotton dresses and metallic sandals for a day of 'mummy-and-me' time Credit: Rex Willow Smith almost became more famous than her actress mother, Jada Pinkett-Smith, when she stormed the charts across the globe in 2010 with her hit singles. However some could argue that mum's style is more bonkers than her little one's... Credit: Rex Actress Jessica Alba's little girl Honor epitomises the 'mini me' concept in this double-breasted coat, boots and bobble hat combo Credit: Rex Sarah Jessica Parker and twin daughters Tabitha and Marion looked like a trio of puffa jacket penguins out and about in New York Credit: Rex Jerry Hall's model daughter Georgia May Jagger has inherited both her mother's dazzling looks and her sense of style Credit: Rex Cindy Crawford's daughter Kaia Gerber already has a Versace campaign under her little belt. Mum Cindy revealed that she said to her daughter in 2012: "You have my old legs, I want them back!" Credit: Rex Milla Jovovich's 7-year-old daughter Ever loves to dress like her mum, whether it's pretty in print, or in her Resident Evil guise with a plastic sword Credit: Rex Two peas in style style pod, 9-year-old Suri Cruise has a wardrobe to rival her mother Kate Holmes's already, with rumours of clothes worth $2million Credit: Rex Angelina Jolie steps out with her two little tomboys Shiloh and Zahara dressed in mummy-matching neutrals Credit: Rex Hippy-chic Nicole Richie's daughter Harlow increases the peace with her logo'ed baby-gro Credit: Rex Daisy Lowe and her young-at-heart mother Pearl both share a fondness for gothic dresses and pale, porcelain skin. With their rugged jet black hair, they could be mistaken for sisters... Credit: Rex Singing sensation Beyoncé and two-year-old daughter Blue Ivy were matching in Dolce & Gabbana blossom-print dresses when they visited an art exhibition in New York Credit: Rex Kate Beckinsale and her young daughter Lily both wear LBDs to a film premiere in New York Credit: Rex German supermodel Heidi Klum and her little girl Lou both share a fondess for zesty-hued workout gear Credit: Rex Oscar-winning actress Halle Berry and her daughter Nahla favour medium-wash jeans for running errands in their native Los Angeles Credit: Rex While out running errands in New York, reality TV star Kim Kardashian enrobed baby daughter North in the same exciting hue of jersey as herself: grey Credit: Rex Both sporting silky, peach dresses, it appears that Alessandra Ambrosio has taught daughter Anja a thing or two about laid-back LA style Credit: Rex Not only did Liv Freundlich inherit mum Julianne Moore's auburn locks, but she seems to have taken a leaf out of the Oscar-winner's off-duty wardrobe. Ankle boots, denim, jackets and bobble hats are all part of the flame-haired duo's uniform Credit: Rex Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image Back to image


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SAVANNAH, Ga. (AP) - Savannah police say a Swedish national was killed and another was injured when a pickup truck struck a group of Swedish conference delegates crossing a downtown street.
Police say the incident occurred about 10 p.m. Tuesday as the group toured the city.
Savannah-Chatham police spokeswoman Judy Pal says the man who was struck died of injuries just before midnight at Memorial University Medical Center. He was identified as 61-year-old Nils Eric Svensson of Skanor, Sweden.
Pal said the injured woman, 45-year-old Anne Christine Bjarkby, is expected to recover.
The driver of the Ford Ranger pickup was questioned in the ongoing investigation.
About a dozen representatives of the Swedish city of Växjö are in Savannah for a conference.
(Copyright 2009 by The Associated Press. All Rights Reserved.)

subset: commoncrawl


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Virtual piano full version social advice
Users interested in Virtual piano full version generally download:
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Turn your PC into a Piano. Create songs with professional sound.
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text: I've been using Sabre for some time & generally it's worked well. Very few spam registrations. In the past few weeks, however, there have been 4-5 new spam registrations each day. I have all the anti spam features active (math problem, catpcha, etc.) Not sure how these are getting through, but I'm not happy about it.


text:
Twitter Updates
- RT @historyepics: In the Middle Ages, artists knew about the existence of elephants,but they had only the descriptions of travelers... http… 3 weeks ago
- RT @NeelaVanam: "New York Skyline" made from the outer layer of plantain stem and two chopsticks. #GardenArt https://t.co/964HIQU8Yl 6 months ago
- RT @SadhguruJV: .@amritanandamayi's contribution to #SwachBharat is highly commendable. -Sg isha.co/1Kn7ftT 10 months ago
- Greed is God to #GreedForGood. Looking at Rural Market with fresh eyes. And putting money where the mouth is. twitter.com/hcltech/status… 11 months ago
- RT @ishafoundation: #Sadhguru looks at how "consciously shedding one's mortal coil" is of paramount significance.#Santhara http://t.co/DYma… 11 months ago
Category Archives: Joy of Innovation
Twitter Story:The Darkness Inside
Via Angela Thomas Have a writter's block? Ask your twitter network for help. Or better still, get the entire writeup get done by the network. Twittories are new genre of collaborative creative writing. Here is how the story ends: Savanna … Continue reading
Erehwon Innovation Consulting @ India Innovation Summit
I recently attended the India Innovation Summit an event organized by the Confederation of Indian Industry. The biggest discovery for me was the Knowledge Partner of the event, Erehwon Innovation Consulting. The way they have organized the content of the … Continue reading
Posted in cii, GapingVoid.com, humour, india innovation summit, Joy of Innovation, Web 2.0 2 Comments
Reach out to larger number of Innovators: Dr. T Ramasami, DST
"I want a lot more innovations and innovations to be identified and supported throught the TePP program" is what Dr T Ramasami, Secretary, DST expressed while he was explaining the significance of the program at a press meet. Explaining the … Continue reading
Posted in Enabling Equity, Entrepreneurship, Equity, humour, Idea Factory, inclusive development, indian science congress, indian science congress 2007, Innovation as equity enabler, Joy of Innovation, micro enterprise, pride of india exhibition, Startup, technology, technology as innovation enabler and equity enabler, VC 1 Comment
Cambrian House: A Landmark company,concept in making
Cambrian House is s Crowd Sourcing network for software ideas and implementation. A flash animation of How It Works captures the concept much better than words. There is a whole lot of lisp going on there and that will be … Continue reading
Joy of Innovation Crossing 3-digit Hits; Thanks to strange Search Engine Results
Today I am happy note that the hit counter has crossed 1K mark. 80% of the traffic is after the BarCampChennai. It has its own interesting set of search engine results: like the spelling mistake contributed, strange juxtaposition of words … Continue reading
Posted in attention, barcamp, Joy of Innovation, Weblogs Leave a comment
Four Pillars: What it means to micro enterprise + Web2.0 ( SHG2.0)
I am following J P Rangaswami's interesting Four Pillar's discussion. On top of this Foundation are Four Pillars. Syndication, which pushes out information, subscribed to and personalised as needed. Search, which pulls in information, collaboratively flitered and preferenced and heuristically-improved … Continue reading


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Lessons on Reforming Health Care at the State Level
February 6, 1996
This Heritage Foundation lecture by Charles Baker looks at various state proposals at health care reform. Many have favored Minnesota Care--which was a tightly controlled program and similaer to one the Clinton Administration proposed. This lecture explains the program and why it came to pass. The author asserts deregulation would be a better approach to the centralization we have seen in other states, like Minnesota.


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Politics Noooooooooo!
posted by March 2 at 9:13 AMon
Is liberal Supreme Court Justice Ruth Bader Ginsburg—the only woman on the court—seriously ill?
Justice Ginsburg slowly collected her things and carefully left the courtroom. Justice Souter lingered behind at his chair, waiting to walk alongside her—almost as if he wanted to see if she needed assistance.
It was strikingly odd. I was standing next to Jim Vincini of Reuters, and we looked at each other with some alarm. No one could recall seeing Ginsburg in such slow motion, and it immediately begged the question of her healthwhich of course begs the question of whether any of the justices are going to be leaving the court anytime soon and give George W. Bush his third nomination.
Holy crap—a third Supreme Court pick for George Bush? Fucking hell. I'm off to go say the rosary for Ginsburg.


text:
Lemark Pro 915
by Wesley Goodson on 4/10/2013
This printer is light and easy to setup. As an owner of an older Lexmark printer and this has a color display and it is easy to change settings based on the task. Well continue to buy and use Lexmark products for printers.
Was this review helpful to you?YESNO


text:
Does the App ID need to be changed to your own within the widget settings, or do you just leave the default one?
Thank you.
Does the App ID need to be changed to your own within the widget settings, or do you just leave the default one?
Thank you.
Good question. I can't get it to work in 3.4.1 - only displays widget title.
Yes you need to change the APP ID with your page APP ID which you get from the Facebook developer section when you create your page.
What errors are you getting?
I'm currently running it on 3.4.1 with no problems.
You can see it on the sidebar of http://www.paulund.co.uk
How do you get an App ID? I manage 5 facebook pages and have never heard of an App Id. I can't seem to find any answers on google.
You have to create your own facebook app for your page/business
Getting Started › Apps on Facebook › Canvas Tutorial
Just to continue in the same thread
I used this widget with proper app id n Url
but suddenly it stopped working, it was only showing blank space, I tried a few things, like deactivating and activating again, removing plugin n adding again etc, none worked
but after removing the app id, it started to work, I am surprised.
so why is that ? any ideas ?
This topic has been closed to new replies.


text:
Personal Finance
How to Open a Checking Account When You Have Bad Credit
July 26, 2016
When it comes to credit scores, the news isn't good for many Americans. An analysis of scores by the credit bureau Experian found a third of people have what could be considered bad credit.
Having a bad credit score can affect everything from a person's ability to get a job to the loan rates they're offered at the bank. But could it also make it impossible to open a checking account?
The myth of bad credit and bank accounts
While it is commonly believed bad credit will prevent people from opening a checking account, some banking representatives say that simply is not true.
"Bad credit doesn't affect a person's ability to open a savings or checking account at Citizens," says John Rosenfeld, head of Everyday Banking for Citizens Bank. "We have checking and savings accounts available to anyone as long as they meet the minimum amount needed to open the account."
That minimum amount can be as low as $1, Rosenfeld adds.
Steve Novak, senior vice president and director of retail banking at Bryn Mawr Trust, agrees a low credit score usually can't be blamed for a bank denying a request for a checking or saving account.
"Any kid you open an account with has zero credit," he notes.
ChexSystems reports: What you need to worry about
Rather than bad credit, what consumers should be concerned about is their ChexSystems report. That's where banks record which consumers bounced checks, had accounts closed due to unpaid overdrafts or who otherwise owe a financial institution money.
"It's banks helping banks," Novak says.
ChexSystems serves largely the same purpose that credit reports do for lenders. It helps banks determine whether a person poses a business risk or if they are likely to be a good customer. If ChexSystems comes back with a negative report, Novak says banks and credit unions typically consider the following when deciding whether to approve or deny a new checking account:
- How long ago the negative account occurred
- How long the account was overdraft
- Whether the bank was paid back
- Consumer reasons for the overdraft
Every bank has its own criteria but generally those who owed a small amount for a short period of time are more likely to be approved for a new checking account compared to someone who owed significantly more for a longer period or who never paid back the bank.
Account options for people with poor bank records and bad credit
In the event you find yourself on the receiving end of a bank account denial, don't despair. You still have options.
Look into a second chance checking account
Some institutions, such as Wells Fargo and PNC, offer what is known as second chance checking accounts. These accounts may come with certain restrictions or strings attached.
"You may be unable to write checks off the account or to use online bill pay," says Peter McVey, vice president and director of treasury services for Lead Bank. "[You] may be limited a debit card only with no overdraft privileges."
Plus, there could be minimum balance requirements or additional maintenance fees to pay.
If there is no bank nearby with a second chance checking option, Novak says consumers may have better luck getting an account at a smaller institution.
"Big banks…are more hard and fast on rules," he says. "Smaller banks may be more lenient."
Is a prepaid card right for you?
Another, increasingly popular option is to use a prepaid card in lieu of a checking account. Cards such as RushCard and Bluebird tout themselves as bank account alternatives, and money can be directly deposited into a card just as you would with a checking account. Some cards even have online billpay services.
While prepaid cards are an option for those who can't open a checking account, they may be an imperfect solution. By some accounts, the average prepaid card charges $300 per year in basic fees. What's more, some cards don't offer FDIC insurance coverage, leaving money unprotected in case an institution fails. Additionally, some consumers have complained about some prepaid companies locking them out of their account for days at a time.
How to get your bank record back on track
Whether you've had negative reports work against you or not, there are steps you can take to improve your chances of being approved for a new checking account.
Pay back any money owed
The first thing to do, Novak says, is to pay back any money you owe a bank. While that does not erase the ChexSystems report, paying back the money can improve your standing in the eyes of some institutions.
Ask for a savings account instead
Another tactic to boost a tarnished bank record is to request a savings account with an ATM card. Banks and credit unions typically don't have anything to lose by allowing a saving account, and many are willing to open one even for those with a poor banking record. Then, by showing a history of regular deposits and good money management, the institution may be willing to reconsider its decision on a checking account.
"If you've had some prior issues and are listed in ChexSystems, it does not mean you cannot open a bank account," McVey says. "It simply means you'll have to be more diligent in finding a bank or credit union willing to look beyond your past and focus on your future."
Comment: How have you bounced back if you've had a negative bank record?
More from MoneyRates.com:
5 crucial expenses that will cost more because of a low credit score
I have no credit history. Why am I considered a bad risk?
Bond quality, S&P ratings and spreads investment guide
July 25, 2016
One of the things that determines the yield on bonds is uncertainty. Knowing the relationship between bond yields and uncertainty can help you get a yield that adequately rewards you for the investment risk you are taking.
A bond is essentially a loan - investors give money to an issuer for a set amount of time, and in return, they get a specified rate of interest. However, an important difference between a bond and an ordinary loan is that investors sell bonds to one another on a daily basis, and changing prices reflect changing conditions. Some of those conditions are general to the market as a whole, while some are specific to the bond's issuer.
Bond issuers are evaluated based on the degree of certainty that they will repay. This degree of certainty is referred to as "quality," and quality is an important determinant of bond yields.
Bond yields: What is a spread?
The global standard for high-quality debt instruments is the U.S. Treasury bond. Other bonds, whether issued by corporations, non-U.S. governments or municipalities are considered to have a higher risk of default. In return, investors demand a higher yield. The extra yield is measured relative to the yield on Treasury bonds and is called a "spread." For example, if 10-year Treasuries are yielding 3 percent and a certain corporate bond is yielding 5 percent, it is trading at a spread of 2 percent.
How high that spread is depends on two things:
1. The creditworthiness of the individual issuer
2. The overall level of optimism about financial conditions
Bond quality and ratings
The general principal is that the lower the quality of the bond, the higher the yield will be.
Quality is formally measured by ratings agencies such as Standard & Poors and Moody's, who use a range of quality ratings to assess the ability of issuers to repay. For corporate bonds, these systems usually are some variation of the type used by Standard & Poors.
The rating system by S&P is as follows:
Highest level of quality: AAA
AAA is the highest level of quality (considered just below Treasury bonds in quality). AA is the next highest, then A, BBB, BB, B and CCC.
Investment grade bonds: BBB and above
Bonds rated BBB or higher are considered "investment grade."
Junk bonds: BB and lower
Those rated BB or lower are considered "junk bonds." As a reflection of the fact that lower-quality bonds trade at higher yields, some people prefer to refer to junk bonds as "high-yield bonds."
Bonds in default: D
Bonds that are currently in default are giving a rating of D.
It should be noted that quality ratings are assessments of an issuer's current financial condition, and not a forecast of its future. Adverse events could cause a downgrade in quality rating, and market prices might anticipate that downgrade before it formally happens.
How bond rating changes can affect yield spreads
Getting downgraded or upgraded in quality rating is one way that yield spreads on a bond can change. Downgrades usually result in wider spreads, which mean lower prices, and the opposite is true of upgrades.
Besides changes in individual issues, the level of optimism in general about lower-quality bonds changes according to economic conditions, resulting in across-the-board changes for yield spreads. For example, due to the Great Recession, high-yield bond spreads went from about 2.5 percent in mid-2007 to over 20 percent by late 2008. This was a particularly extreme swing from high optimism to bleak pessimism. The 2001 recession saw a more moderate rise in spreads, from about 7.5 percent to just over 10 percent.
Low-quality bonds and price changes
A key to understanding the investment characteristics of lower-quality bonds is to remember the relationship between yields and price: when yields rise, prices fall, and vice versa. Because of how quality spreads can widen or narrow so drastically, lower-quality yields tend to be more changeable than higher-quality ones, meaning that lower quality bond prices are subject to more extreme price movements.
From a portfolio standpoint, this means that lower-quality bonds take on some of the characteristics of equities rather than playing the role of sure-and-steady high-quality bonds. Buy a low-quality bond whose outlook improves, and you should be rewarded with a strong price gain in addition to the higher yield that goes with a lower rating. However, if the outlook for a bond you hold worsens, you could be subject to a price decline which could become permanent.
Effectively then, investors need to understand that the lower the quality of a bond, the less it behaves with the certainty of bonds and more with the volatility of stocks. The higher yield being offered should be evaluated in the context of the higher level of risk.
Should you take advantage of crowdfunding investment opportunities?
July 22, 2016
The Securities and Exchange Commission on Oct. 30, 2015 opened the door for ordinary investors to put money into crowdfunding opportunities that were previously open only to the wealthy. Now that this door has been opened, should you walk through it?
Investing in small, private companies provides an alternate form of equity to traditional, publicly-traded stocks, and also gives people access to the explosive growth potential of start-ups. In doing so though, it could introduce a whole new element of risk to your investment line-up.
Why the limitations?
Crowdfunding was previously restricted to what are known as "accredited investors," which include individuals making more than $200,000 a year or who have a net worth in excess of a million dollars, not including their primary residence. The SEC has now made it possible for smaller investors to participate in crowdfunding, but only within certain limits.
Why the caution about allowing this form of investment? For one thing, private companies do not have the same level of requirements for audited financial reporting that public companies do, and so there is the potential for unsophisticated investors to fall for a gaudy sales pitch that is not backed up by a sound business model. Also, investing in start-up companies rather than those with a measurable earnings track record carries a much higher risk of failure.
Updated crowdfunding guidelines
While the SEC loosened the restrictions on crowdfunding, it has not eliminated them altogether. Now, people with incomes of less than $100,000 can invest the greater of $2,000 or 5 percent of either income or net worth, which ever is smaller. Those with income and net worth of more than $100,000 can invest up to 10 percent of the lesser of income or net worth, up to a maximum investment of $100,000.
These restrictions apply to all crowdfunding investments in aggregate over any given 12-month period.
Is crowdfunding for you? 7 things to consider
Crowdfunding is trendy, and you could make the argument that it can add both diversification and a new source of growth opportunities to your portfolio. However, you have to ask yourself if you are prepared both financially and emotionally to make the type of investments that might lose most or all of their value.
You also have to ask yourself whether you are prepared to do some detailed analysis of proposed investments, both when you are looking to buy and then regularly thereafter to monitor your investments.
Here are seven things to consider when investing in a private company via crowdfunding:
1. Diversification
The SEC investment limits should help make sure crowdfunding investments don't represent too big a portion of your wealth, but given the specific risk of any one of these investments, you should look to spread your money over multiple opportunities rather than depending too heavily on any one.
2. Valuation
Very often, these companies won't have an earnings track record yet, which makes valuation difficult. If there are substantial assets involved, you could look at what the investment price represents as a portion of those per-share assets, but more likely you will have to rely on the company management's projection of earnings as a basis for price comparisons.
3. Track record of key people
Since the venture itself is likely to have a limited history when you invest, what you are really buying into is the talent of the key people running the show. Look at their backgrounds for evidence of past success, and also for warning signs such as legal troubles or frequent business failures in their past.
4. Scope of market
Understanding the extent of the market for the company's products or services will help give you a sense of the growth potential.
5. Competition
Look at both the number and relative strengths of competitors to gauge how difficult it might be for a new firm to succeed.
6. Defensible position
If a company has a promising new product or service, think about whether there are patents or other factors which will make it possible for them to defend their market position, or whether it would be easy for competitors to quickly jump in with similar offerings.
7. Distribution
Think beyond just what the company is offering, and look at whether they have a viable way of marketing and delivering their wares.
Crowdfunding is no different from other types of investments in this sense: it is not the method of investment that makes something a good or bad idea, but instead the details of what you are buying and how much you pay for that. Don't get too caught up in the growing popularity of crowdfunding to forget to look at the fundamentals.
Comment: Have you considered crowdfunding investments?
More from MoneyRates.com:
What's the best way to invest $12,000 in my 40s?
IRA money market accounts to save for retirement
Pre-retirees, could you handle the retirement budget challenge?
July 18, 2016
Retirement saving is an abstract concept to people who aren't close to retirement age. It's easy to blow off because in the here and now, failing to save does not seem to have any consequences. People need to make it seem more real to get better motivated to save. One way you could do that is by taking a test drive and spend a month on a retirement budget, and see how you like it.
Majority of Americans at risk for saving too little for retirement
Study after study of American retirement savings have shown that the average worker is falling well short of the savings they would need to support their current lifestyles. As a recent example, the Center for Retirement Research (CRR) at Boston College estimated that roughly half (52 percent) of Americans risk not being able to maintain their standard of living in retirement. This is even when taking into account that less income should be needed in retirement than during one's working years.
Why are so many on track to come up short? Just look at the numbers. The CRR found that the average retirement savings of people in their 50s totaled just $110,000. This is disturbing because that age group has most of its saving years behind it, and is rapidly approaching retirement. Using the common rule of thumb that a 4 percent withdrawal rate allows for sustainable retirement assets, these savings would produce just $4,400 a year in retirement income. Even if you doubled this withdrawal rate, which would probably entail drawing the balance down over time, the result wouldn't augment Social Security benefits enough to provide much of a retirement lifestyle.
How to take the retirement budget challenge
To make this more real to you, try to live on the type of retirement budget your current savings would be likely to support. See the step-by-step process below to take the retirement budget challenge:
1. Project your retirement savings amount
Use a retirement savings calculator to project what your current rate of savings plus investment growth would add up to by the time you retire. This will tell you the total retirement savings you are on track for currently.
2. Figure out what yearly spending your savings can support
Again, 4 percent withdrawals are considered sustainable, but since it is not realistic to expect that everybody will be able to afford to live off their retirement savings without drawing them down. So, you might want to use a higher assumption, perhaps something between 4 percent and 8 percent. Applying this percentage to your projected savings tells you what your annual retirement income your nest egg would produce.
3. Be realistic about Social Security income
You can go to the U.S. Social Security Administration website and get a projection of what your retirement benefits will be. In the end, those benefits are based on the 35 highest-earning years of your career, so if you plan to retire early or if your income drops off later in your career, those benefits may not be as high as you think.
4. Make a budget based on your projected annual allowance
Your income from retirement savings and your Social Security benefit is what you would have to live on. Now create a monthly budget based on that amount.
5. Spend a month living on that budget
As an experiment, try living on that budget for a month. Don't take it so far that you fail to pay bills that you already owe, but limit any discretionary spending to what that budget would allow.
6. Figure out a budget you can live with
If your retirement savings rate is as meager as most Americans' rates, chances are you won't find that budget is very doable. So, figure out how much retirement income you would actually need to have a decent lifestyle.
7. Work backward to see what you need to save
Go back to the retirement calculator and see how much you would have to save to get to a workable retirement income. The experience of trying to live on less might just motivate you to ramp up your savings accordingly.
One way to think about this exercise is that it should encourage you to narrow the gap between your lifestyle now and the one you will be able to afford in retirement. If you get a taste of what it would be like trying to get by on a lot less money, you might decide it's better to spend a little less now, in order to afford a retirement budget that is less of a steep drop-off from how you lived during your working career.
Comment: Have you tried the retirement budget challenge? Tell us your experience below.
More from MoneyRates.com:
Is apartment living right for your retirement?
The best and worst reasons for retiring early
Dos and don'ts for young workers planning an early retirement
How to understand credit rating reports and raise your score
July 15, 2016
Often, people become aware of their credit score only once it has become a problem. For example, a loan or other application gets turned down, and you find out about reports with more detail on your financial history than you remember.
Rather than wait for your credit report to become a problem, learn more about your score and manage it to your advantage.
What financial factors make up a credit score?
Credit scores are a commonly used way to measure credit risk. In order of importance, here are the components that make up a credit score:
1. Payment history
At 35 percent, this is generally the largest portion of a credit score, though scores are weighted differently depending on how relevant each component is to an individual's situation. Your payment history takes into account how well you've kept up with payments on credit cards and loans in the past. It also looks at whether you have any history of bankruptcy or debts referred to a collection agency.
2. Amounts owed
The amount of money you currently owe generally will comprise 30 percent of your credit score. This includes:
- How many different accounts you owe money to
- What percentage of your available credit you are using (AKA credit utilization)
- What portion of any existing loans you have paid down
3. Length of credit history
This will usually represent 15 percent of your credit score. It takes into account your oldest and newest sources of credit, as well as the average age of all your credit accounts. Note that from a credit utilization standpoint and in terms of the age of your accounts, closing old accounts might actually be counter-productive.
4. Credit mix
Around 10 percent of your credit score will be based on the type of credit accounts you have. It is considered beneficial to have a mix of credit card accounts and installment loans (such as a mortgage or student loans), as long as you have a good payment history with them.
5. New credit
Another 10 percent or so of your credit score is based on how many new accounts you have opened recently. Opening several new accounts in a short period of time can be a red flag.
The connection between credit history and creditworthiness
Credit scores are useful because they take a number of factors and boil them down to a single, readily comparable number. There has been a movement in recent years to encourage lenders to consider other factors when a person has had limited access to credit in the past. In any event, credit score is not the only thing a potential creditor is likely to look at.
To a large extent, credit scores represent your history with credit, while overall creditworthiness is a function of both your past performance and your future ability to repay the loan. Income (particularly your income in proportion to your overall financial obligations) is an important factor in creditworthiness, as is the length of time you have held your current job.
4 keys to good credit
Obviously, there are many things that impact creditworthiness, but there are four things that should increase your credit score:
1. Work to establish a good credit history
You might think of having no debt as being a sign of financial rectitude, but to potential creditors it simply means you are an unknown. Establishing a history of modest borrowing and timely payments shows that you have had successful experience with managing credit.
2. Think before you open or close an account
A big part of what creditors are looking for is stability, so be aware that too many changes, like closing older accounts, can upset that stability.
3. Make your payments on time
It's not enough that you eventually pay off your debts - you have to demonstrate that you generally make your scheduled payments on time. Use automatic bill payments if they help you keep on track, and maintain a regular schedule for paying your bills.
4. Focus on paying off balances
Don't take on debt simply because you can make initial or minimum payments. Budget for the future to make sure you can pay down the debt within a reasonable time and make any balloon payments that you'll face in the future.
Maintaining good credit impacts more than your ability to qualify for loans and credit cards. It can also affect your insurance rates, and may be a factor that potential landlords or employers look at as an indication of your reliability. Because your financial history is such a big factor in determining creditworthiness, it is something you have to start managing even before you have a need for credit.
More from MoneyRates.com:
Credit Card Monthly Payment Calculator
How to establish good credit starting with your first credit card
Is it fair for a potential employer to check your credit report?


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Looking to seal a third pitcher, I am looking for a pitcher with effective movement and leadership. Infield also a plus.
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ACTIVE is the leader in online event registrations from 5k running races and marathons to softball leagues and local events. ACTIVE also makes it easy to learn and prepare for all the things you love to do with expert resources, training plans and fitness calculators.


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I've customized my header to match my site, and am having some alignment issues which I can't pinpoint. The header needs to be aligned to the top of the page (currently there some white space above it) and the blog content is pushed way down on the page.
You can see it at http://bit.ly/aO1yGS
The theme being used is Twentyten.


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A few questions about the geometric mean of distances of points on an interval. (self.math)
submitted 2 years ago * by aa255
This is not homework, I promise. Any direction is much appreciated.
Suppose I had T points {e_1, ..., e_T} on an interval [0,D].
Question 1:
How big can the geometric mean of {|e_i - e_j| : i != j} be? i.e. what is the best nontrivial upper bound out there, independent of our choice of $e_i$?
Question 2:
Suppose we can choose a point e = e_i that minimizes the geometric mean of {|e - e_j| : e != e_j}. What is a good, nontrivial bound for that geometric mean?
[–]midianite_rambler 0 points1 point2 points 2 years ago (0 children)
I don't know the answers to the questions you posed, but it sounds to me like you might interested in "low-discrepancy sequences". [1]
[1] http://en.wikipedia.org/wiki/Low-discrepancy_sequence
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DES MOINES, Iowa (AP) - A Christian college has staged a musical
drama featuring some of the Bible's least popular stories, the ones
"Terror Texts" was first performed at Northwestern College in Orange City, Iowa, in February and came back for an encore this fall, with a final performance last weekend.
Adding to the shocking nature of the stories are the theatrics, with a rock band, a mosh pit and actors decked out in Goth attire.
For a script, theater professor Jeff Barker used the Bible texts from the King James version, with actors speaking each verse word-for-word.
Barker says these "mysterious, dark stories of the Old Testament" bring us "face-to-face with the suffering of the world."
(Copyright 2008 by The Associated Press. All Rights Reserved.)


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- Tony Blair has told the Cabinet of the UK government the date when he will stand down from office and allow his successor to take over as leader of the2 KB (267 words) - 22:15, 21 September 2007
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- Former British Prime Minister James Callaghan dies aged 92 (category Tony Blair)transport secretary. Tributes including the prime minster Tony Blair saying he was a "giant" of the Labour movement. Former rival and prime minister Margaret2 KB (239 words) - 08:18, 15 February 2014
- Former British Prime Minister Margaret Thatcher dies aged 87 (redirect Former British Prime Minister Margaret Thatcher at age of 87)determination in politics, and humanity and generosity of spirit in private." Former Prime Minister Tony Blair also acknowledged how she changed British politics10 KB (1,139 words) - 03:11, 25 March 2014
- than in the last days of Tony Blair's premiership, despite a large surge in popularity when Brown came to power. The acting leader of the Liberal Democrats3 KB (367 words) - 18:44, 30 November 2010
- released 29 May 2015: Tony Blair resigns as envoy of Quartet to Middle East 22 May 2015: FIFA president 'on a mission of peace' Location of Israel Collaborate4 KB (589 words) - 23:29, 1 September 2013


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So, a new article states that nearly 35 million people are into playing Farmville on Facebook. We are baffled? What is the appeal? Please help us understand!
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Commonweal Magazine
Trending Topics:
God, Philosophy, Universities
A Selective History of the Catholic Philosophical Tradition
Alasdair MacIntyre
Rowman & Littlefield, $29.95, 200 pp.
There is a prophetic quality to much of the work of Alasdair MacIntyre, a quality present in his new book, God, Philosophy, Universities. MacIntyre traces the intellectual history of the Catholic tradition and describes with urgency the defining questions for work within that tradition. How do we understand the nature of inquiry if we assume a belief in God? Can we reconcile theism with philosophical inquiry? How do universities—and especially Catholic universities—provide the institutional setting for such inquiry?
Here as elsewhere, MacIntyre emphasizes the historical character of philosophy. For him, "Catholic philosophy is best understood historically, as a continuing conversation through centuries, in which we turn and return to dialogue with the most important voices from our past, in order to carry forward the conversation in our own time."
This judgment is deeply rooted in MacIntyre's overall philosophical project. Beginning in the 1980s, through the publication of three books—After Virtue, Whose Justice? Which Rationality?, and Three Rival Versions of Moral Enquiry—MacIntyre has offered a framework for moral discourse that tries to reconcile the claims of historicism...
John J. DeGioia is president of Georgetown University.
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Nature of Schizophrenia
A Brain Disease
Schizophrenia is a brain disease that interferes with normal brain functioning. It causes affected people to exhibit odd and often highly irrational or disorganized behavior. Because the brain is the organ in the body where thinking, feeling and understanding of the world takes place (where consciousness exists), a brain disease like schizophrenia alters thinking, feeling, understanding and consciousness itself in affected persons, changing their lives for the worse. Schizophrenia symptoms include difficulty thinking coherently, interacting with others normally, carrying out responsibilities and expressing emotions appropriately. Even simple everyday tasks like personal hygiene can become unmanageable and neglected. The disease can thus impact every aspect of affected people's work, family, and social life. Though not affected directly, family memb...
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My son is a junior taking AP Bio and AP US history. Though is doing well in these classes, he needs some guidance for preparing for the AP tests, perhaps a study plan.- Holly from Los Alamitos, CA
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Star Tracks: Monday, May 16, 2016 42 years, 2,191 covers and 55,436 stories from PEOPLE magazine's history for you to enjoy
Latest News!
- Burn 400 Calories on Your Daily Commute with BikeBus, a Cycling Studio on Wheels
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- March 28, 1977
- Vol. 7
- No. 12
Peter Petrie Prepared a Passel of Pixilated Pots—So Meet Mr. Muggs
All the mugs are hand-crafted and present the same bulbous-nosed, scraggily bearded face. Petrie, 41, knows that physiognomy well. "It's the way I look some mornings." Customers, he notes, sometimes "come up and tweak the nose and even give it a little kiss before I wrap them up."
Petrie's Mr. Muggs coffee cups (plus beer steins, sugar bowls and similar products) have become quiet best-sellers, now stocked by nine department stores and 25 gift shops across the U.S. In New York Bloomingdale's sold 3,750 at Christmas alone (at $8.50), and Petrie's Muggs Pottery Limited last year grossed $80,000.
Petrie's pottery business started as therapy. After a serious lung operation, the former General Motors auto worker in Detroit began working with clay to build up a weakened right arm, got hooked on the craft and eventually moved on to Greenwich Village. He lost money on his pottery shop until he turned over its management to Susan Clemons, a waitress next door. She impressed Petrie "because she was doing four jobs at once—waitress, bartender, busboy and cashier." They acquired a marketing manager, and the mugs really began to move. The company is producing 300 of them a day in a renovated New Hampshire chicken house and next month will shift operations to bigger quarters in Portsmouth. The merger worked in other ways. In June Peter and Susan plan to marry, and a new Petrie line is in the offing. Mrs. Muggs, perhaps?
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7th Royal Stag Mirchi Music Awards was held on 26th February at Yash Raj Studio in Mumbai. It was a star-studded affair, with the presence of several musicians and Bollywood celebrities. Javed Akhtar was honoured with Lifetime Achievement Award. Any music event would be incomplete without
Gal mitthi mitthi bol full song
Movie / Album Aisha Release Year 2010 Singers Tochi Raina Lyrics Javed Akhtar Gal mithi mithi bol, Ras kaano main tu ghol, Bajne de taashe dhol, Masti main tu bhi dol, Mann ke naina tu khol, Chahat ke moti roll, Dil hota hai anmol, Ye daulat se na tol, Aa soni teinnu chend ki main chudi pehnawa, Mennu karde ishara to main doli le aawa, Jaan leva teri adaa, Kaise na koi ho fida, Tere ang sharara jaise mare lashkara soniye, Dekhun to dil dhadake, Tan maine agan bhadke, Surat aisi mohini hai, Laga jaise sohni hai soniye, Chahre waala hu tera, Dekh to le idhar zara, Tu jo dekhe ik nazar, Karu lakh shukar hiriye, Dekh to kehke tu mujhe, Jaan bhi dedunga tuhe, Tere aise hoon deewaana, Tune abtak ye na jaana hiriye
javed akhtar
Javed Akhtar is one of Bollywood's most prolific, respected and admired lyricists. This multiple award winning script writer and poet enjoys the kind of success and popularity that only few have achieved in tinsel town. His lyrics add magic to the melody and feel of a song, which is why Javed Akh
The world shattered to witness the attack on innocent school children by terrorist group, Taliban at Peshawar army school. On Tuesday, the Taliban militants inhumanly entered the school premises and showered bullets on the innocent school children. Over 130 children were killed and several injure
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- Arbaaz Khan spotted with a mystery girl in Goa


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10 reviews | 4.5 out of 5
I could not be happier. True to size, comfortable, and affordable. Wood look heel is actually rubber and a better shock absorber. Can't beat it for the price... liked so much purchased in option color as well.
I was worried that they wouldn't fit me, but when I got them they fit perfectly! The price is perfect also! Thank you walmart for having this product!!
got these for a texas themed shower. i looked all over name brand sports stores and the mall, etc. for some decently priced western boots. not only were most of them NOT my style, but they were uncomfortable and very expensive. when i found these, i was well pleased. the price is good, the comfort is so far better than other cowgirl boots, and the design is unique, but not so much so that people will wonder in 10 years what i'm wearing. :) if you want a cheap pair of boots that you don't plan on wearing everyday, these are for you! by the looks and feel of them, though, it seems they will hold up even if you do want to wear them more frequently than i do. Enjoy them to a rodeo, party, etc. and feel like a real Texas cowgirl!!!
These shoes are so cute. Walmart was actually the only place I found boots that I liked. I ordered these so I was worried about my size, but they are true to size. If you're usually a 7 1/2 shoe size, then get a 7 1/2. You don't have to go up a size or anything. What I did was went to walmart and tried on a couple of their other shoes to see if those fit and then I ordered the size I fit into. I love them! :o)
My daughter searched and searched online and in stores for boots that were similar to what Miley Cirus wore in the recent Hannah Montana movie and these were very close to those boots. My 14 yr old daughter loves them and they look very cute on her and are very reasonably priced. They aren't leather but don't look real plasticy and since she'll probably grow out of them soon, are a great deal!
These are the cutest boots ever! I love them and they are so comfortable that I can wear them and stand in them all day long. They also go with everything! I usually wear an 8.5 and I ordered an 8 and they fit perfect.
The boots are gorgeous!!!!They have fabulous rubber soles and were not damaged by the rain! They are also super comfy and makes any plain outfit look fabulously stylish!
This boot is made of very poor quality. When you touch them they feel like crinkeling material of some sort. The fit is very poor too.


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Kirkland Hiawatha (0-3, 0-3) at Christian Liberty (0-3, 0-3)
Story Continues Below
When: 1 p.m. Saturday
Last week: Kirkland Hiawatha lost to Rockford Christian 63-6; Christian Liberty lost to CICS-Longwood 56-0
Outlook: Both teams have faced tough early schedules as Hiawatha played the NAC preseason favorite last weekend and has also lost to Hope Academy 28-13 and Alden-Hebron 20-0. Christian Liberty was shut out by Hebron in its opener but scored a school-record 25 points in a loss two weeks ago to Hope. Christian Liberty is still looking for the program's first victory; Hiawatha won last year's meeting 41-6 and finished 5-4.
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So I had my appointment today... just turned 30 weeks & the midwife brought up inducing with pitocin/breaking water at 39 weeks if I am dilated. The reasoning is because last time I was in labor I was sent home, because the dum dums at the hospital insisted that I wasn't in labor, pretty much because I didn't look in pain enough... well, it ended in my baby coming at home, alone in my shower because it was so quick. If I would've headed to the hospital when I called them the second time, I still wouldn't have made it in time. So, she suggested inducement beforehand. Well, awesome... except I know what pitocin does for a natural birth plan... it sucks, that's why I had an epidural with my first baby. I keep trying to discuss what to do with my SO, but he just says to do what I want to do. My options are kinda limited... I can't go to the hospital at onset of labor because they won't be convinced I am in labor, and if they do, then I'm sure the interventions will be poured on heavy, this place is really not natural-friendly... I could wait and do it to where I think I'm far enough along to be admitted, but then again, if I do, I will be risking having baby in the car because my labors go straight from mild to wham and baby! I could go with inducement, but most likely ruin my plan and stomp on my beliefs... Really don't know what to do... suggestions? (without drama please)
what would you do? (kinda long)
Mommy of 6 with one more on the way!!!
I would never induce
I would go in early and have your dr. tell the staff to keep you there! You have every right to give birth your way.
Wife to an amazing husband and Mom to 2 wonderful DS 9/04 and 4/06 and my new baby GIRL! 8/3/12
SAHM to C 6/25/07
and coming soon ~* B 8/23/12 *~
Baby E (May 2010 C/S)
Baby C (August 2012 HBAC water birth)
I am really against the pitocin idea, but then again, I am scared of the same thing happening as last time and delivering at home... and I'm pretty sure they would question it being accidental if it happened a second time, because I want a completely hands off labor that they are fighting me over... I did have my water broke with my 3rd baby to kinda kick start labor, but I also had to deal with being threatened with pitocin... ugh! Thank you for the input though ladies... I'm wondering if I should just camp out there lol, my contractions with labor for the last was just like painless bh contractions... I didn't think I was in labor for a while after they told me no
Mommy of 6 with one more on the way!!!
amy rebecca 12/30/10
baby on the way 8/31/12
I say go in when you feel labor starting and if they give you a hard tim etell them that last time no one listened to you you delivered your won baby in the shower and refuse to leave.
Learn more
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text:
First off, we want to give a HUGE thank you to all the donors and supporters who made it possible for us to reach our thresholds in September and earn a PERMANENT spot on the GlobalGiving website! We're so excited about the opportunity to share our story through GlobalGiving with donors like you! We raised $6,224 in September and this money is going to help us do the following:
We still have a little over $8,000 to go before we meet our $15,000 goal. Our Garden to Table program is the only program in the county providing comprehensive nutrition education to adults with autism, and one of the few opportunities for individuals with developmental disabilities to participate in a community gardening program, so the demand for this program is huge. We want to extend these opportunitities to many more adults, and in order to do so we need to hire a PT gardening/cooking coordinator and the remaining $8,000 in our goal will help us immensely towards hiring that person. Please keep spreading the word!
We recently captured some video of our cooking classes in action- if you want to check those out, please visit our YouTube page http://www.youtube.com/user/CommSupportSvcsInc?feature=mhum
Holiday Needs
As the holidays are approaching, we are also shifting the menus in our cooking classes to include festive, holiday-themed items like turkey, stuffing, and seasonal fruits and vegetables like pumpkin, squash, and apples. We have a cooking group who helps us with baking cookies and cakes (we use diet-friendly, low-fat recipes!) for our coffee house events, which are fun "lounge" nights where we have live music, coffee and tea, and baked goods for sale (proceeds benefit our recreations programs, including the Garden to Table program!) for supported individuals and their families and friends to enjoy. We also host Thanksgiving and Christmas dinner for the individuals we support in our residential program who are unable to go home with their families or do not have family to go home to for these holidays. Like all our recreation programs, none of these activities are funded through DDA, so we rely on donor support to make the holidays special and keep this program and others like it thriving. Throughout the month of November, we are adding an additional category in our project page for you to donate towards our Holiday Food needs- funds will be used to cover costs for the holiday cooking classes and the Thanksgiving and Christmas Dinners, if you would like to support these activities. You can also view a complete list of our holiday activities and ways you can help and volunteer, if you are interested in getting more involved with CSS, by visiting the link below.
Thank you, again, for all your support and enthusiasm for our supported individuals and our program. We are excited about the future!
Project Reports on GlobalGiving are posted directly to globalgiving.org by Project Leaders as they are completed, generally every 3-4 months. To protect the integrity of these documents, GlobalGiving does not alter them; therefore you may find some language or formatting issues.
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well he managed to 'see the point' when japan got it so why not now??
i already know the roster but some people may not
I asked him that same exact question. He said he no longer "Sees the point"
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well he managed to 'see the point' when japan got it so why not now??
i already know the roster but some people may not
*drops pants*....suck my bawls...
I'm prob just going to get it and a Freeloader anyways...
"If I had a dollar bill for everytime I was wrong, I'd be a self-made millionaire and I wouldn't be singing..."
it they do update it i'll just un update coz it's easy to do that.
Originally Posted by Mario13
dont forget us canadians, we have it the same day as americans, im staring at my copy right nw
haha even the mexicans got the game before eroupe and australia
PSN ID: zapasant93
im sad
liv buy a wii and play itMario strikers football Charged rulesEven do I reaaali suckpm for for fc (europe only)
Can a north american who probably won't get it till the same time you guys get it post here? :P
Mario Kart DS 438194819390
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I make my avatars/signatures!
Spoiler Alert!For some reason, i only have WiiSports, But whats weird is my friend lets me borrow his games so i dont have to waste money.
BLASPHAMYOriginally Posted by levesqueking
lol thats funnyOriginally Posted by zapasant93
credit goes to MRvisiter on the castle crashers fourm
balrogs.pa: you are more than welcome to join our depressed thread
this sucks.


text:
I'd never part with any of mine. Only way to fly, from octafish up to mini-mal.
Results 1 to 10 of 17
Thread: Campbell Bros Bonzer
Sep 19, 2013, 07:18 PM
'; pd[191107] = '
Sep 19, 2013, 07:58 PM
Senior Member
- Join Date
- Jun 2013
- Location
- Singer Island
- Posts
- 3,494
'; pd[191112] = '
Sep 19, 2013, 08:10 PM
Junior Member
- Join Date
- Jul 2012
- Posts
- 22
'; pd[191204] = '
Sep 20, 2013, 02:53 AM
the important thing is to not confuse drive w/ stiffness. stiffness stems from having too much fin for the board, the rider, the rider's style & approach, & the conditions. drive is a function of the fins, board type, & rider input. bonzers have a literal ****-ton of built-in drive & speed, more than any other set up i've encountered, & it's SMOOTH drive...no herky-jerky, double pump bottom turns here. just drop in, put the thing on rail, & GO! bonzers work great in just about every kind of wave you may encounter, but they truly shine in racey, lined up, slightly bigger (chest high +) waves. you'll find yourself making sections & waves that you never thought you could or would. & then you'll have to do a cutback.
if you're a slidey, flicky surfer, the bonzer isn't for you. if you like to use your rail, you'll probably love it. if you'd like to learn to use your rail more, look into it; you might just like it.
2 of my 4 bonzers:
6'0" wynn egg:
6'4" bing bonzer 3:
Last edited by njsurfer42; Sep 20, 2013 at 02:56 AM.
'; pd[191228] = '
well put njsurfer42..well put. and i would not hesitate to pick up another bonzer if the opportunity presented itself, my 6'0 was just too big for me and the tail a tad too wide.
\nthat egg looks fun! question, do you notice a big difference between the 5 fin and 3 fin?
'; pd[191235] = '
Sep 20, 2013, 01:21 PM
\nthe bumblebee, like the octafish & most other shorter, stubby boards, seems very sensitive to sizing. i don't see why you'd want a 6'0" unless you were over 200lbs. i was weighing in between 200 & 205lbs when brian wynn made me this 5'10"x21"x2 5/8" stubby back in 2008 & i rode it pretty much to death in a wide array of conditions:
\nin a fit of stupidity, i traded it in for a dumpster diver (which worked ok) & then that got traded for a neckbeard (which was a bit better, but still just ok), which got traded for a white diamond (which was good, but not great), & then i bought my octafish & it's been like coming home...
'; pd[195442] = '
Oct 14, 2013, 02:41 PM
i've had a russ short 6'3 just sitting in my basement waiting for a swell like we had last week. I had the chance to ride it every day for hours for 4 days in a row in fast breaking down the line surf and just wanted to drop a note saying that what you say about how they ride is really spot on. To surf with that much speed and still be able to go off the top and cutback that hard with out losing (and sometimes gaining?) momentum to then make the next section and the next is just incredible. I'm hooked.
'; pd[195541] = '
Oct 14, 2013, 11:00 PM
'; pd[191109] = '
Sep 19, 2013, 08:02 PM
Junior Member
- Join Date
- Jul 2012
- Posts
- 22
i have a 6'4" 5 fin polywog- a custom shape for surfers supplies in ocnj. i absolutely love it. feels like it has an 'extra gear'. definitely plan to buy another bonzer in the future...
'; pd[191115] = '
Sep 19, 2013, 08:15 PM
I have a 6'3" Russ Short that got for bigger waves. I usally ride shorter quads. one is an egg and one has got a early 80's thing going on. definitly a difference in ride but so much fun. Very happy I have it and can't wait to use it again.
'; pd[191226] = '
Sep 20, 2013, 01:04 PM
Senior Member
- Join Date
- Jun 2013
- Location
- Singer Island
- Posts
- 3,494
^^ Thanks njsurfer42^^ for some solid input. On a shortboard I like to do rail to rail power carves, and making sections is what it is all about. Maybe it is time to go seek one out, or better yet, try to make one. My buddy who used to shape full time can help me with the channels and fin placements, which I imagine is they key to the bonzer design. Time to go to swaylocks for some research. From what I hear, no one likes to make them because it is so technical, but it would be cool to be able to pull it off. If I do, I'll post a thread as a cry for help.
'; pd[191238] = '
Sep 20, 2013, 01:25 PM
swaylocks might be useful, but they're an eccentric lot over there, as i recall. best to go to the source:
'; pd[191251] = '
Sep 20, 2013, 02:45 PM
Senior Member
- Join Date
- Jun 2013
- Location
- Singer Island
- Posts
- 3,494
'; pd[195551] = '
Oct 15, 2013, 12:31 AM
- Join Date
- Sep 2008
- Location
- easternshore md.
- Posts
- 80
Got a 6'2 Mayo stub bonzer in excellent condition that I have been thinking of selling. Just not surfing a lot and when I do go I'm on a mini Sims twinzer. Twinzer suits my style more.
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Threaded View
Campbell Bros Bonzer
Anyone a fan of the bonzer? I check out Surfy Surfy on a daily basis and have been thinking a longtime about picking up a bonzer. I usually ride quads and am worried I will hate the feel of the bonzer but still am a huge fan of the history of the shape and the company. Any ride feedback?
I have been scouting craigslist for a CB bonzer and havent had much luck around MD/NJ/DE and am hoping someone might want to part with their board for a reasonable price. PM me if so. Thanks.


text:
Mar 1, 2013
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The new home of
Staffordshire, the home of elegant pottery, is also a county of contrasts. From charming canals and tranquil rolling hills to exciting rollercoaster rides and a forest of monkeys, there really is something for everyone here.
You'll be spoilt for choice with so many places to go, whether you are looking for relaxation, exhilaration, things to do or a delightful view. In fact, Staffordshire has more packed into its compact size than almost any other county.
Take for example Alton Towers, one of the world's top theme parks for white-knuckle rides. The award-winning Drayton Manor Park offers fun for all the family, or perhaps the Waterworld aqua park at Etruria. You could wind down a gear and explore the region's canal network, dotted with fascinating remnants of industrial history. Take a look at the lovingly restored Churnet Valley Railway and take a nostalgic ride on a steam train, or enjoy steam transport on a smaller scale with the narrow gauge Rudyard Lake Steam Railway.
The county is most famous for its pottery, especially Wedgwood, and there are plenty of Staffordshire holiday cottages conveniently close to places like the Wedgwood Museum or the Gladstone Pottery Museum at Stoke on Trent. You can also snap up a bargain at the Poole Pottery and Royal Stafford factory outlet in Burslem.
Enjoy an intoxicating visit to the National Brewery Centre at Burton upon Trent to learn about the county's legendary beers. You could even experience a little animal magic; just visit the Trentham Monkey Forest, Blackbrook Zoo or a nature reserve such as the Wolseley Centre, Ipstones Edge or George's Hayes.
The county offers a great opportunity for exploration, in a landscape where calming countryside meets exciting attractions. Its gently rolling hills and canal towpaths make for superb and not too energetic walking for visitors of all ages. There's wildlife aplenty too, both flora and fauna, so you can take home some beautiful photographs.
Why not find out for yourself. Take a look at our selection of holiday cottages in Staffordshire today and discover a little of what this enchanting county has to offer.
4 reviews
In the tranquillity of a secluded rural valley, this single-storey converted barn provides excellent holiday accommodation, equipped and furnished to a high standard. Next to the owners' home, it has a private patio with furniture and enjoys countryside views, yet Alton Towers is just minutes away. This is truly lovely walking country where nature is at its most majestic. Dimmingsdale is particularly good for walkers, offering everything from a gentle stroll to a half day hike. Perfect for wildlife enthusiasts. Ashbourne, the Potteries, including Trentham Awakes and adjacent monkey park, and the Peak District are within easy reach. Golf 3 miles. Shops 2 miles, pubs/restaurants 1 mile.
Beamed sitting room. Modern fitted kitchen with dining area. Double bedroom with en-suite shower room and toilet. Further double bedroom with 6ft bed (can be two 3ft beds). Twin bedroom. Bunk bedroom (full-size bunks). Bathroom with over-bath shower and toilet.
Electricity, full oil central heating, bed linen and towels included. Travel cot. High chair. Four TVs. DVD. CD. Microwave. Washing machine. Dishwasher. Fridge/freezer. Patio. Barbecue. Shared use of owners' grounds. Parking. Bicycle store/shed. No smoking. Ground floor facilities. NB: Water feature in grounds.
10 reviews
This substantial and spacious detached family holiday home is set in beautifully maintained formal gardens and provides a tranquil retreat while only being one mile from the centre of the market town of Leek. Internally the beamed ceilings, leather furnishings and parquet flooring exude an air of elegance and comfort. After a hearty meal cooked on the traditional kitchen range, enjoy a drink at the bar in the games room, on the elevated terrace, or just relax and wind down in the hot tub. The traditional market town of Leek, known as the 'Queen of the Moorlands', is a well known centre for the antiques trade and sits close to the Peak District National Park. Enjoy the many dining and shopping experiences on hand in the town and visit Brindley Mill, next to the River Churnet, where corn is still ground or explore the abundant attractions in the surrounding area. Within four miles take a ride on the Churnet Valley Steam Railway or visit Rudyard Lake for walking, sailing, fishing or canoeing. Alternatively for walking and climbing don't miss 'The Roaches Rocks' on the southern uplands of the Pennines. A little further afield Biddulph Grange Gardens, Whiston Hall Golf Club and the famous Alton Towers theme park can be found. At Froghall Wharf in Stoke-on-Trent you can take a canal boat trip on the Cauldon Canal or visit the world famous Wedgewood Potteries visitors centre. For day trips the stately home of Chatsworth House and many other National Trust properties are also within easy reach. Shop 430 yards.
Spacious living room with wooden floor. Dining room with parquet flooring. Large farmhouse-style kitchen with gas Rangemaster oven (for cooking), TV, beams and patio doors to garden. Utility. Study. Games room with bar. Separate toilet. First floor: Two double bedrooms, each with 5ft bed and wooden floor; one four-poster. Double bedroom. Further cosy double bedroom. Bathroom with separate shower cubicle and toilet. Shower room.
9 reviews
Set within Consall Forge Nature Reserve adjacent to the Caldon Canal, this former mill (one of a pair) dates back to the 1830s. Lovingly refurbished, this spacious holiday home retains its character with beams and vaulted barrel ceilings, alongside modern day comforts. The Churnet Valley Steam Railway runs through the reserve close to the mill, as does the Staffordshire Way and several marked trails. Chatsworth, 11 miles. Alton Towers, 7 miles. Shops 2 miles, pub 1/2 mile along towpath.
Six steps to entrance: Living/dining room with electric fire and wooden floor. Kitchen with gas range and tiled floor. Double bedroom. Spiral staircase to lower ground floor: Games room with patio doors and vaulted ceiling. Shower room with toilet. First floor: Three beamed bedrooms with Velux windows; two double, one with en-suite shower room and toilet, and one twin. Bathroom with Jacuzzi bath, shower cubicle, toilet and Velux window.
12 reviews
Nestling in the rural hamlet of Chatcull, amid leafy country lanes, this attractive cottage boasts a delightful conservatory overlooking its large lawned garden. One of a pair, and converted to a high standard, it is perfectly placed for walking, cycling and exploring the delights of the Peak District, Shropshire and Cheshire. The Potteries, Ironbridge, Shrewsbury, Chester and Alton Towers all within easy reach. Fishing and tennis available by arrangement at the owners' home, ½ mile away. Good restaurants in Eccleshall. Shop 2½ miles, pub in Croxton, 1½ miles.
Living room with open fire and French door to conservatory/dining room. Compact, modern, well-equipped, fitted kitchen. Utility. Twin bedroom with TV. Separate toilet. First floor: Double bedroom. Twin bedroom. Single bedroom with additional 2ft 6in pull-out bed (for +1). Bathroom with over-bath shower and toilet.
Open fire – initial fuel included, extra available locally. Electricity, full oil central heating and bed linen included. Towels £2pppw. Cot. High chair. Two TVs. DVD (small library). Microwave. Washer/dryer. Dishwasher. Freezer. Large garden with furniture. Barbecue. Parking. Tennis court and fishing available by arrangement. No smoking .
8 reviews
This beautifully converted, comfortably furnished detached barn lies in a peaceful, neat courtyard with lovely views. It is situated at the edge of a village and adjacent to the owner's dairy farm, midway between the Potteries and the Peak District, just 5 miles from Alton Towers and Splash Landings swimming pool and convenient for Drayton Manor. For birdwatchers, there is an all-weather hide on site or you can enjoy superb walking. Within 8 miles you can take a canal trip, ride on a steam train or hire bikes and cycle the Manifold Trail. Pub 100 yards.
Ground floor: Living room with oak floor/dining area/kitchen. Second living room. Separate toiler. First floor: 4 bedrooms: 2 double, both with en-suite shower room and toilet, 2 twin, one with en-suite toilet. Bathroom with shower over bath and toilet.
Gas central heating and electricity included (24th October-23rd April by meter reading). Bed linen and towels included. Two travel cots. Two high chairs. Videos. DVD. Stereo/CD. Microwave. Washing machine. Tumble dryer. Dishwasher. Freezer. Wi-Fi. Garden with patio and furniture. Parking.
10 reviews
A superb contemporary barn conversion with spacious beamed rooms, lots of character and a delightful enclosed garden. Set in a peaceful and pretty countryside location on a quiet lane in The Peak District National Park, on the borders of Cheshire, Staffordshire and Derbyshire. There are a host of visitors attractions within half an hour's drive including Alton Towers and Splash Landings, Waterworld, Trentham Gardens Monkey forest, a variety of pottery centres, the National Trust houses of Little Moreton Hall, Styal Mill, Lyme Park and only 5 miles away are Biddulph Grange Gardens. For the active visitors there are many marked footpaths locally in the Wildboarclough Valley and extended walks onto the Roaches Rocks, cycle hire at Manifold Trail, caverns and Go Ape in the spa town of Buxton 10 miles. Chatsworth House and Bakewell are 25 miles. Carp and trout fishing 1.25 miles. Shop 5 miles, renowned pub serving food and micro brewery 1.5 miles.
Ground floor: Living/dining room with oak floor. Kitchen/dining area with tiled floor and beams. Games room with stone floor. Separate toilet. Two staircases to first floor: 4 bedrooms: 3 double (two 5ft), each with en-suite shower room and toilet, 1 twin with en-suite shower room and toilet. Bathroom with roll-top bath, shower attachment and toilet. Chair bed available (for child).
Oil central heating, electricity, bed linen and towels included. Travel cot. High chair. DVDs. CD. Microwave. Washer/dryer. Dishwasher. Fridge/freezer. Garden. Woodland. Parking. Games room with pool table. No smoking. NB: Small stream just outside garden.
11 reviews
Enjoying far-reaching countryside views, this welcoming semi-detached holiday cottage, adjacent to the owners' farmhouse but with its own private garden, is within easy reach of a huge variety of visitor attractions on the borders of the Peak District National Park. The beautiful Churnet Valley, with steam trains, wildlife reserves and splendid walking, is 2 miles. Within 10 miles are Alton Towers, Splash Landings, Waterworld, Trentham Gardens, Monkey Forest and pottery museums; also cycle hire for the Manifold Trail and Dovedale. There are four NT properties within 20 miles, and Bakewell, Buxton, Matlock and Castleton are all within easy reach. Golf and fishing 2 miles. Shops and pubs 2 miles.
Ground floor: Living room with beams. Dining area/kitchen with tiled floor and beams. Games room. Bathroom with roll-top bath, shower cubicle and toilet. Steep stairs to first floor: 4 bedrooms: 2 double (5ft), 2 single, both with additional pull-out single (for child). Separate toilet.
Woodburner in living room (initial fuel included). Oil central heating included (£25per week 1st October-30th April poa). Electricity, bed linen and towels included. Cot. High chair. Freeview TVs. DVDs. CD. Range. Microwave. Washing machine. Dishwasher. Fridge/freezer. Wi-fi. Enclosed garden with patio and furniture. Parking. Games room with pool table. No smoking.
10 reviews
Peaceful hamlet setting
This lovely barn conversion is ideally situated in a quiet Staffordshire hamlet, yet is within easy reach of the motorway for ease of access and touring. The holiday property has a spacious living room with a cosy log burner, and an adjoining games room in which to relax. There are plenty of walks available from the house, and it is conveniently located just 5 miles from the pretty town of Eccleshall. Visit Isaac Walton's cottage and museum at nearby Shallowford, the beautiful Trentham Gardens at Newcastle-under-Lyme, or Stoke-on-Trent, home of the potteries, and the exciting Waterworld water park. The Wedgewood museum is nearby, and fun for all the family can be found at the famous Alton Towers Theme Park, just 20 miles away. Shops and restaurant 4 miles, pub 2 miles.
Step to entrance. Ground floor: Living room with beams and wooden floor. Dining room/kitchen with beams. Utility room. Study. Games room. 1 double (5ft) bedroom with en-suite shower room and toilet. Separate toilet. First floor: 3 bedrooms: 1 double (5ft) with en-suite shower room and toilet. 1 twin. 1 bunk with beams. Bathroom with shower over bath and toilet.
Woodburner in living room (initial fuel included). Oil central heating, electricity, bed linen and towels included. Travel cot. High chair. Freeview TV. DVD. CD. Electric cooker. Combi microwave/oven/grill. Washing machine. Tumble dryer. Dishwasher. Fridge/freezer. Lawned garden with patio and furniture. Barbecue. Ample parking. Cycle store. Games room with table football and pool table. No smoking.
27 reviews
This large detached barn has been converted to a very high standard and combines a strikingly modern interior with the features expected in a barn conversion. Situated on a non-working farm and adjoining another residence, The Cow Shed enjoys a paved sitting area perfect for enjoying pleasant summer evenings. The large living area boasts a gallery and a wood-burning stove. The property also boasts a unique double bedroom with a very large bed and a walk-in shower in the bathroom. Kingsley Holt is an ideal area for Alton Towers and for exploring the great outdoors in the Southern Peak District and Staffordshire Moorlands, one of Britain's best kept secrets. Riding, cycling and walks are in abundance locally, especially on the Staffordshire Way and Tissington Trail. The Potteries with Trentham Garden Estates, Churnet Valley and Dovedale are all within 12 miles. Market towns such as Ashbourne, Cheadle, Leek, Bakewell, Stone and Uttoxeter are all a short drive away. Two steam railways, historic places of interest such as Haddon Hall and Chatsworth House, many industrial museums and potteries are all within easy reach. Shop and pub 1 mile.
Spacious modern living/dining room with wood-burning stove and oak floor. Large, well-equipped, modern kitchen with gas range (for cooking). Utility. Separate toilet. Open-tread stairs to first floor: Two beamed double bedrooms, each with oak floor; one with 7ft bed, one with en-suite double shower room with toilet. Further double bedroom. Two twin bedrooms, one beamed. Beamed bathroom with walk-in shower, Victorian bath and toilet. Large bathroom with large walk-in shower and Victorian-style bath, toilet and trusses. Additional open-tread spiral stairs from kitchen to first floor landing.
18 reviews
Stunning panoramic views over the Churnet Valley to Alton Towers, 4 miles away, greet visitors to this exceptional detached barn conversion. Boasting a superbly designed interior with smart contemporary furnishings, as well as a lovely garden room with hot tub and walking from the door in local countryside including a nature reserve, it sits peacefully beside the owners' small working farm at the end of a 200 yard drive from the village. For a fun filled holiday, the location couldn't be better. The Churnet Valley boasts its own steam railway and there is a wonderful array of attractions within 10 miles including Alton Towers, canal boat trips for a pleasantly tranquil way to explore the landscape, and Trentham Estate, with high wire treetop adventure and unique walk through the Monkey Forest. Waterworld and pottery museums in Hanley, Ashbourne's famous market and interesting vintage shops, beautiful Dovedale and cycle hire for exploring the Manifold walking and cycling Trail are all only a few miles away whilst Sudbury Hall and Little Moreton Hall (both NT), Chatsworth House, Bakewell and the Heights of Abraham cable cars at Matlock Bath are under an hour's drive. Pay and play golf is 1 mile. There are three pubs just half a mile away, and restaurants, takeaways and shops in Cheadle, 3 miles.
Ground floor: Garden room. Utility room. 3 bedrooms: 2 double (5ft), one with en-suite shower room and toilet, one with en-suite bathroom with shower over bath and toilet, 1 twin (6ft zip & link) with two additional singles (for children) and en-suite shower room with toilet. First floor: Living room with wooden floor. Dining room/kitchen with wooden floor. 1 double bedroom with en-suite shower room and toilet.
Geothermal underfloor heating, electricity, bed linen and towels included. Two travel cots. High chair. DVD. Microwave. Washing machine. Tumble dryer. Dishwasher. Freezer. Wi-fi. Enclosed garden with patio and furniture. Parking. Hot tub in wooden building. Games room with pool table and Nintendo Wii. No smoking. NB: External staircase from living room to garden.
19 reviews
This large five bedroomed 17th-century character house is set in the heart of the prestigious rural village of Rolleston-on-Dove – first documented in King Edmund's Charter of 942AD. Overlooking the church and village green, the extended cottage has privacy assured from the very large enclosed landscaped gardens allowing areas for complete relaxation. The Croft is a detached holiday property and is close to a popular village pub which serves excellent food and wine. Furnished to a very high standard throughout, The Croft has its own cinema room which allows guests the chance to enjoy a movie on a large screen. The large family kitchen is well-equipped and the large dining room area is fantastic to enjoy a meal together at the end of a busy day. There is a conservatory and separate study room with computer access for those that like to keep in touch whilst away or for researching the many local attractions in the area. There are five bedrooms in total – two on the first floor share a family shower room with toilet whilst a third and fourth have a Jack and Jill shower room with toilet. The fifth bedroom is on the ground floor along with a separate bathroom and toilet. The North Staffordshire Railway gives access to Burton-on-Trent and nearby facilities include Alton Towers, Drayton Manor Park, Snibson Discovery Park, Conkers, Bass Museum, Carsington Reservoir, Ashbourne and several National Trust properties. The famous Tutbury Crystal and Tutbury Castle are also nearby and for keen cyclists, the Tissington Trail with its 13-mile route is a must. Donnington Park is 25 minutes away, which is home to the World Superbike Championship. Craythorne Golf Club is ½ mile. Shop ¼ mile, pub 300 yards.
Spacious living room with 3D TV. Cinema room with projector. Large dining room. Large, well-equipped, farmhouse-style kitchen with breakfast area, gas/electric Rangemaster (for cooking). Study. Conservatory. Double bedroom with 5ft bed. Bathroom with over-bath shower and toilet. First floor: Double bedroom with 5ft bed and TV and double bedroom with 5ft round bed and TV, each sharing en-suite shower room with toilet. Two further double bedrooms, one with 5ft bed and TV. Shower room with toilet.
17 reviews
Set in 137 acres of private park and woodland, this stunning Grade II listed Victorian water tower is the tallest building on the Staffordshire Moorlands. The tower, which is constructed from red brick and stone, dates back to 1896 and was transformed in 2006 to provide accommodation over 8 storeys. The Water Tower effortlessly combines character and original features with the latest technology and conveniences including free wi-fi, and a built-in Bang and Olufsen music system which can be played in several areas in the house. There is a spacious, well-equipped kitchen and two living rooms, one of which is on the 8th floor and has stunning 360-degree views of the surrounding Staffordshire countryside. The games room is located on the 7th floor and, apart from its full size snooker table and darts room, also has an attached kitchenette with fridge and microwave, which again will save having to walk down several storeys to the main kitchen. Most of the bedrooms are en suite and the master bedroom also has TV and DVD with surround sound system. The spa-like family bathroom has twin wash basins, a free-standing tub and a double walk-in shower. There is also an intercom system throughout the tower which is very handy given all the stairs! Accessible for both the Staffordshire Moorlands and Peak District National Park, this holiday property is an ideal base for those who love the great outdoors. There are lots of great walks from the doorstep, including walks along the canal paths. Cyclists and mountain bikers are also well catered for and climbers will enjoy the famous Roaches, which are just a 10-minute drive away. Water sports are available at Rudyard Lake and Tittesworth Reservoir, which are both within a short drive. Located in Cheddleton, the property is just 2½ miles from the popular market town of Leek, which has a good range of shops, supermarkets, eateries and antique shops. Other places of interest within easy reach are Churnet Valley Steam Railway (2 miles), Alton Towers (12 miles), Manifold Valley (15 miles), Buxton (16 miles), The Potteries at Stoke-on-Trent (9 miles) and Macclesfield (16 miles). The Water Tower is a really unique property in a great location which definitely has the wow factor. Shop 1 mile, pub and restaurant ½ mile.
Main door entrance: Utility. Lower ground floor: Second utility. Cycle/pushchair store. Separate toilet. Main staircase to first floor: Living/dining room with wooden floor (also accessed via narrow spiral stairs from second door entrance). Dog leg spiral stairs to second floor: Large kitchen with TV, breakfast area and wooden/tiled floor. Dog leg spiral stairs to third floor: Double bedroom with en-suite shower room with steamer and toilet. Twin bedroom with en-suite shower room with steamer and toilet. Dog leg spiral stairs to fourth floor: Very large bathroom with large bath and relaxing seating area, twin walk-in shower cubicles, twin basins and toilet. Dog leg spiral stairs to fifth floor: Double bedroom with 5ft bed and en-suite shower room with steamer and toilet. Double bedroom leading to room with single bed (for +1). Dog leg spiral stairs to sixth floor: Master double bedroom with 5ft bed, TV, walk-in wardrobes and en-suite wet room with toilet. Dog leg spiral stairs to seventh floor: Magnificent games room. Kitchenette with fridge and microwave. Narrow spiral, open tread stairs to eighth floor: Sitting room with galleried mezzanine overlooking games room and breathtaking panoramic 360 degree views.
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cottages.com is a trading name of Wyndham Vacation Rentals (UK) Ltd. Registered in England and Wales.
Registered Office: Spring Mill, Stoney Bank Road, Earby, Lancashire,BB94 0AA, UK
Company Registration Number 00965389. VAT Registration Number: GB 598 22 99 77