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Lately, I've been listening to a wide variety of podcasts and talk radio stations while writing, mostly in order to expose myself to thoughts and opinions across the spectrum. A few days ago, a host on one of these shows (I believe it was Colin Cowherd) complained quite specifically about personal finance advice in a way that made me think.
His comment was simple: he claimed that personal finance writers and personalities target things like getting a latte at Starbucks because they're low hanging fruit. He stated that if you just replace a Starbucks coffee with a lower quality coffee, you'll save yourself maybe a buck a day, adding up to $30 after a month. That $30 is inconsequential, according to him – it's an amount of money that really doesn't equate to any significant change in life. Instead, he argued that you should only focus on the big stuff – sell that jet ski you use only twice a year, for one.
On one level, the host has a point: big steps will have much more impact than small steps. Selling that jet ski will help you quite a bit more than skipping a coffee at Starbucks, without a doubt. If you want to make a giant step, sell your car or downgrade your home – those moves will make a sea change in your personal finance situation.
On the other hand, we have a lot of opportunities in our lives to make small steps. Changing your coffee habits is a small step. Changing your light bulbs is a small step. Eating a meal at home is a small step.
In the end, though, big steps and small steps are just steps in a larger journey.
I like to think of the journey to financial independence as being like a marathon. Doing something big, like downgrading your home, is the equivalent of running a mile's worth of that marathon. Doing something small, like giving up today's coffee, is only a step in that journey.
The journey, though, is long. It's a lot of steps to reach that finish line of complete financial independence. One or two big moves won't do it, nor will a bunch of smaller moves. You need to throw as much as you can at the goal, just like a marathon runner throwing everything they have at the goal.
Many people like to overlook the small steps because they don't seem to cover much ground along the way to financial independence. After all, giving up one's daily coffee isn't going to save you much money by itself, so why do it?
Here's another way of looking at it. Skipping today's coffee and putting that money away might be one step in the journey. Do it all month and you've got thirty steps. Do it all year and you've got three hundred and sixty steps. Add in a few other tiny things like eating at home and replacing your light bulbs and soon you'll find that you're taking a few thousand little steps – covering at least as much ground (if not more) than those big steps.
If you truly want financial independence and security, your journey is going to require some big steps and a lot of small steps. Don't get caught up in the belief that a little step doesn't matter – every step matters on your way to this marathon's finish line.
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Trevor - 14 Year Old Blogger says:
I try to tell people to go small first and then take bigger steps once they can.
You don't learn to run before you walk.
Johanna says:
When people buy things like jet skis, they typically realize that they're spending a lot of money. But when they spend $5 a day on coffee, they often don't realize that that adds up to a lot of money over the long term until someone points it out to them. And THAT, I thought, was the reason why personal finance writers focus more on lattes than they do on jet skis.
To me the whole "Big steps are better!" "No, small steps are better!" debate is kind of silly. For some people, most of their excess spending is in the form of big purchases, so that's what they need to focus on. For others, most of it goes toward small purchases. Still others are so far over their heads that they need to cut out both big purchases and small purchases to make ends meet.
Getting your financial head on straight is about realizing where your money is going and figuring out what you can afford. Maybe you can afford to keep either the jet ski or the daily latte, but not both, so you have to choose which one you prefer. And not everyone will make the same choice. And there's nothing wrong with that.
Valerie says:
A jet ski? Some of these columnists sound like people from another planet. For a lot of us, small expenses are all there is to cut. And believe me, thirty bucks a month can do a lot for you.
And several 30/month savings can add up to a great deal!
Valerie says:
…not to mention, the market is saturated with rich people's toys and castoffs. Cars and suchlike are getting much harder to sell. If you need money now, you'd better stop foolish spending.
Erin says:
Regarding the podcasts: there are some great personal finance podcasts out there (several of which I've reviewed on my blog). A few that I recommend are Brian Preston's Money Guy, Wall Street Journal's Your Money and Vanguard's Plain Talk on Investing. Trent, I'd love to know which ones you listen to and enjoy, because I'm always looking for worthwhile ones to add to my list.
Jem says:
@ Valerie:
You are so right! If I could only do things like sell my car to save money, then I wouldn't be able to save any money because I don't own a car.
For me, little things like not eating lunch out are the way to save money and it definitely adds up. In the past year living frugally has allowed me to save over $5,000 that I'm putting towards graduate school. You've got to do what you can to meet your goals, whether that means selling off some expensive toys or bending down to pick up a quarter…every little bit helps to make a dent!
Adam says:
I agree the baby steps add up to the bigger picture. The latte effect as some call it really adds up over time, those $5 coffees hit the budget hard along with the waist line.
Great article!
Melanie Harvey says:
I was re-reading The Tightwad Gazette recently, which led me to your interview with Amy on this blog. She had a similar article about this, pointing out that the problem is the opportunities to save huge amounts of money are few and far between. Also, I don't have a jet-ski. I do have many loss-leader sales at the supermarkets and the ability to make my own coffee.
And everyday frugality will make you think twice about ever buying a jet-ski in the first place.
444 says:
I agree that a bunch of small steps adds up to a big step. I was resisting getting rid of our landline, even though we get one or two calls a week on it. But we have four cell phones in the family, soon to be five. How many phones could we possibly need? I am seriously considering getting rid of the $30-per-month landline (well, it's over internet, but still) that we use extremely infrequently. $30 over the course of a year and over the course of several years is a lot of money and we are so unpopular that we hardly use our cell phones, either, so that's a lot of phonage we are paying for.
Kathryn says:
Besides, I think your talk-show guy is missing the another important point: the power of habit. Giving up a premium latte isn't just about the dollar or cents you save; it's about training yourself to think about each and every purchase. Do I need this? Do I want this? Can I afford this? Can I do without this?
Over the past year I trained myself (with the help of a price book) to pay attention to how much each thing costs at the grocery store. Now I know what's a "good" price for almost everything we buy regularly. Do I always wait for the best sale? No. Has it made us rich? No. But it's made us mindful. And that skill then extended to everything we do with money, and that HAS made a big difference in our finances.
weiszguy says:
Wow, Trent, what a great analogy. I hear this same argument all the time. Now I have a new way of explaining it.
Tom says:
Thirty dollars per month is not insignificant for all people. Assuming 50 working weeks a year and 5 days per week, saving one dollar per day accounts for $250 per year. That is one percent of the income of a person making $25,000 per year (pretty significant just for coffee).
Even more is if you spent $5 per day on Starbucks. This would add up to $1,250, or 5% of a $25,000 income.
Maybe the amount saved by avoiding coffee is inconsequential to someone who can afford to buy jetskis, but not to most people. One third of Americans earn less than $30,000 per year.
Grant Baldwin says:
Great thoughts Trent!
Although I understand the logic of Colin Cowherd (ESPN Radio), I would agree with you that it doesn't have to be an either/or thing of choosing between big ticket items versus small and "inconsequential" things. It has to be a both/and mentality.
The principle is true in a lot of areas of life: little things that don't seem like that big of a deal on their own can collectively make a huge difference.
Roger says:
Here's good way to explain a small savings. If my wife and I each saved $30 a month by switching to cheaper coffee and the end of the year we would have over $600 dollars saved! That would be more than enough to pay our lowest property tax bill (we get three)! Or 1/2 of our car insurance for the year. Sounds like it would be worth it to me.
Mike says:
Great article Trent and a good observation.
In reality living a frugal lifestyle is as much about lattes as it is about jet skis.
Frivolous spending is frivolous apending and the only difference is scope. Will a jet ski have a big impact? Sure.
Will a $5 latte a day over a year have an impact? You bet! ($1300 a year or so $5x5daysx52wks)
As non habitual spending a latte certainly has less impact than a jet ski but as a habit they're both equally noxious.
Funny about Money says:
Valerie is exactly right: few of us have a JetSki laying around the house that we could sell, and if we did, we probably wouldn't be in a position to need to sell off our junk to make ends meet.
Mr. Cowherd (please! can't the guy come up with a better nom de plume?) is short-sighted. Cutting that daily Starbucks latte from your routine isn't the point. The point is to develop frugal habits and to foster common sense. It's not about saving a buck or two a day. It's about recognizing waste, learning to eliminate it, and developing a comfortable and happy lifestyle without it. That's true frugality: true simplicity.
Frugal Dad says:
Hard to argue with "The Herd!" I do agree that it is those larger sacrifices that really make a big impact. That's not to say there isn't a place for frugal living, because those small savings add up, too, but over time I've found the larger the sacrifice the greater the reward, financially. It's a balancing act.
The opposite of what Cowherd said is also true–I know a few people who scrimp at every possible opportunity to spend money only to blow all their savings (and then some) on a shiny new toy every few months. They could simply buy a smaller, or older toy, enjoy some of the small daily pleasures in life, and still come out ahead. Life is a balancing act.
Neal Frankle says:
I agree completely. Both steps are crucial.
Ben Franklin said that if you watch the nickels, the dollars take care of themselves. On the other hand, I'm sure that Ben would have also advocated keeping a watchful eye on the dollars too.
Sarah says:
I think more than anything it's about learning to live within your means. If you have a lot of consumer debt, you are (probably) not doing this. Your "lifestyle deflation" needs to occur at all levels of your spending. It does you very little good to sell off the jet ski and pay off that $5K debt if you continue to spend more than you earn, because then eventually you will end up back in debt again. And the $5 lattes do count as spending.
More than that, as others have said above, they (usually) count as *thoughtless* spending. You need to develop the habit of considering your expenditures of all varieties to bring your spending in line with your income and keep it there. Maybe you can afford them. Maybe you can't. But the presumption is against you if you've already run up a good chunk of consumer debt. Certainly you need to question that expense before continuing to incur it.
Green Panda says:
Small changes allow you to test the waters. Once I cut out appetizers from dinners most of the time, I realized that not only did I save money, but I was wasting less food. Most places we went to either have free brad, chips 7 salsa, or cucumber salad.
almost there says:
Ca-ching! Saving any amount by cutting unneeded expenses is the way to go. I just transfered a credit card balance to a CU secured loan for a savings of over $300 per month in payments. My spouse cancelled a fitness club membership saving $29 per month. All these things add up to less money flowing out per month. I plan to take some of the savings and invest in microlending with a 3% return.
Kimmy B. says:
I would add to this that getting out of debt and staying out of debt is a lifestyle decision. Doing small things can make a big difference when changing your lifestyle. If your house is a mess, you have to learn to put stuff in the garbage can to keep it clean. Walking to the garbage can is a small step but when you're accustomed to just throwing you trash on the floor simply walking to the trash can suddenly become life changing.
Big steps are important and add momentum but making small changes like asking yourself do you need or want that new car before you buy it can have a big impact!
Kimmy B. "The Prosperity Blogger"
The Personal Finance Playbook says:
The strength of the small steps is that they're lifestyle changes, too. Sure, one latte isn't a big deal – but if it's a change you make for the rest of your life, then you've made an important lifestyle change. You only sell that jetski once, but several small lifestyle changes will make a big difference. Nice post.
Cathy says:
I think this is good frugality advice…for those Wall Street types who have to learn how to get by on a mere $500,000 a year in New York. By all means, if you have a jet ski sell it! Sell your yacht and get rid of the mooring fees too! Get rid of the nanny, the gardner, the chef and driver! Cutting lattes isn't going to be enough to help stretch your paltry half a million dollar salary.
For me, drinking the coffee provided by work and bringing my lunch to work saves me about $200 per month. $200 per month for a year is $2400. In my world, $2400 is a lot of money. About the price of a used jet ski on ebay, no?
liv says:
I think it depends on your income level if you're debating $30 to $1000, but in general, any amount of money saved is a good amount.
Gina says:
How many people have one or more of the big things like the jet ski to get rid of? Most people do have one or many of the small step items–coffee, soda, candy bar–purchases they could reduce or eliminate that would impact their finances a great deal more over time.
Training for and running a marathon may be a one-time event for you that could help you lose weight. A very good thing in the short term. Taking up running as a lifestyle habit will almost certainly be better over time because it will help you keep the weight off even if you never work up to running 26.2 miles at one clip.
CPA Kevin says:
I agree to a point. But with Starbucks daily, cable, internet, the best mobile phone package…it can add up to $400-500 a month easily. And like a previous comment said, not everyone has a jet ski – sometimes small things are the only things.
Nate @ Money Young says:
Small steps make up big steps, and small steps are way easier to take than big steps.
Matt says:
Great post Trent. Haven't had too many of your posts resonate with me lately, but this one is a gem.
This is how I view the journey, a bunch of little steps. If you've ever succeeded in losing weight you also know how much the little steps impact the journey. Cut a few calories here, one less piece of bread there, half instead of a whole glass of milk and you're talking 300-400 calories. That coupled with some excercise is a pound a week. Money is the same way.
Ryan says:
Im so glad Colin Cowherd was replaced by Max Kellerman in NYC's espn radio. I couldnt stand that guy.
Adam says:
Hi Trent,
Good article. I participate in the baby steps as well as the leaps and bounds. On a daily basis, I try to focus on the dollars I can save by making my own food and skipping the coffee shop (although the commute gets dangerous without the caffeine sometimes). But then every year I like to use my "windfall profits" like my annual bonus and any income tax return to significantly pay down debt and increase my emergency fund or retirement accounts. Although one or the other is better than nothing, doing both is certainly yielding the most impact.
Keep up the good work!
getagrip says:
I'll just add that one of the things is that we often don't realize how much we're spending on the "latte". I'd bet most people just get in the habit of buying it (it being coffee, lunch, snack, sodas from the machine, etc.) and handing over a ten or twenty and pocketing the change (or putting three or four bucks a day into a vending machine) without really thinking about how much they actually spent and if the price has gone up or down or even if they got the correct change back.
Part of running a marathon is recognizing which way you are going, and actually taking consistent steps in that direction. Running a mile along the right road, only to stop, meander about, then head back or wander off down a side path (oohh, is that a new LCD TV?) doesn't really get you anywhere.
Faculties says:
As the saying goes (did I read it on this blog?), "You can save $1000 once, or you can save $1 a thousand times." The second one saves just as much as the first.
Andy says:
I disagree. How many people really buy $5 lattes every day? Lattes where I live cost $3.50, and few few people I know buy them daily. So cutting back on lattes will save most people very little money, not even close to $30 a month. If I cut back I'd probably save about $2 a month.
Now, how many people own homes and cars that are bigger and more expensive than they need? I'd say most people do. As I look out my window most of the cars driving by are trucks, vans, SUVs, and large sedans. Most new houses are huge.
Face it, own a small home, drive a small car, and you can have a latte any day of the week!
Des says:
I think this is a perspective issue. If you're trying to live below your means on $12,000 a year, it makes a lot of sense to cut out a daily latte. If, however, you're still living paycheck to paycheck on $100,000 a year, you have much bigger fish to fry than the latte. That money is going SOMEWHERE besides the coffee, and it will payoff more to find out what those expenses are and cut them than to focus on the smaller issues.
NYC reader says:
It's only $30/month, $360/year. That's the rationalization many folks (including myself) use to justify unmindful spending. Money spent unmindfully simply leaks out of one's budget, and it is worthwhile to evaluate these expenditures with an eye toward stanching the budget bleeding.
I changed my mindfulness of these purchases when I calculated how much I would have to invest and save to equal a post-tax return equal to the expense vs. simply not spending this money in the first place.
Let's take the $30/month, $360/year coffee habit as an example.
If I could get a one-year CD at 4% interest, how much would I have to invest to come home with $360 after taxes?
If this were a tax-free return, I would need to invest $9000 in a one-year CD paying 4% to get $360 at the end of the year.
But this is real-world, I have to pay taxes on the interest earned by that CD. I live in NYC, there's a state and local income tax, in addition to federal income tax.
Based on my marginal tax rates, I get to keep about 67% of the interest earned after paying taxes. That means I would need to receive interest of $537.31 before taxes to come home with $360 after taxes ($537.31 * 0.67 = $360). To receive $537.31 in interest, I would need to invest $13432.84 in a one-year CD paying 4% ($13432.84 * 0.04 = $537.31).
So you tell me, which is easier? Cutting out a few coffees, or saving up over $13000 and losing use of it for one year to come home with $360?
Nevermind that it's practically impossible to find a one-year CD paying 4%.
Once I started evaluating my discretionary purchases this way, it became really easy to cut out the fluff.
When I do spend money on purely discretionary expenses (night out with friends at the local sports pub, a new computer doodad, etc.) it's made with full knowledge and mindfulness, and most importantly, WITH LIMITS. I allocate $X in my budget for this, and if I decide I want to spend the money, I do. If I decide I'd rather invest it, or save it for something else, that's also an option. I have CONTROL. What I no longer have are mystery shortfalls in my budget ("Gee, I took $200 out of the ATM last week, how come I have no money in my pocket?").
todo es bien says:
Well, not to belabor the point. But if Cowherd said this he was just being silly. To wit, if you were to bank a dollar a day for 35 years, and your investment was to increase @ 4% over the rate of inflation, the value of your investment in 35 years would be over 27,000. I realize for a person like Kevin Cowherd that is not a large sum of money, but I bet you the average person facing retirement right now would be grateful for an extra 27,000 bucks. Save 10 bucks a day (doable for most, not all) and you would walk out with a higher net worth than many many people who are retiring right now… Cutting it a little closer to home, I just calculated if I give up my daily latte I will have an extra 20 thousand when I retire in 13 years. That is enough to take a pretty damn nice trip around the world and then some…
NYC reader says:
In Manhattan, lattes are about $4.30, plus tax. Throw the change into the tip jar for the barrista (you do tip, don't you?), and it's $5. I know plenty of folks who do this at least daily, some more than once a day.
Prices and expenditures are relative. Here are some examples from my neighborhood, a decent area, not some high-priced trendy area… Movies: $13 or $13.50. Rent on a studio apt: $2200. Buying a studio apt co-op: $400,000. Almost no one owns a car, it's unnecessary in a city with great 24-hour public transportation and expensive parking ($400-$800/month).
Cathy says:
@Andy #26: Who buys $5 lattes every day? People who live in Seattle. :)
I opt for the company coffee myself.
Trent, you've tackled this question really well. It's something I ask myself a lot – are all these little thing I'm doing really that important – is it worth it?
My conclusion is that, while these "little steps" will not see a big instantaneous return on our daily frugal investments, they do certainly add up.
When trying to save, consider the big steps and little steps.
As far as the big steps – if you can save on your mortgage, your interest payments, your insurance, if you can get a raise, get a higher paying job, cut costs on your car, your home or your bills – do it.
But just because you take the big steps, why ignore the little steps? They do add up. Like todo es bien says – we're really talking about $27,000 – and that's just for coffee! What if you were also frugal with your lunch, your grocery bill, your electric bill, your spending habits on clothes, books, electronics and toys? We're talking about big numbers. In fact, if someone were to compare the difference between investing the price of a coffee every day into a savings account, vs selling that jet ski and investing the profits, the non-coffee drinker would be financially ahead – AND he'd still get to enjoy his jet ski.
@Andy – I'm not sure where you live but in Toronto EVERYONE drinks $5 lattes or mochas or whatever they want at Starbucks, often more than once a day.
But even drinking a $3.50 coffee a day adds up!
@Valerie – excellent point. Some of us don't have jet skiis or elaborate items to sell… we have to look for other places to cut back.
Kandace says:
I'd like to stretch your marathon analogy a bit. I've completed several marathons and it takes daily training to get to the point you can actually run the event. So the small changes–lattes, no land line, brown bagging, ditching the jet ski–are all the small steps, the daily training that gives you the strength for the actual marathon. Perhaps that is retirement itself–seeing how far you can push yourself and finding out if your training paid off. Of course, once you get the marathon, that's where the real mental game comes in.
email@example.com says:
Great post Trent. One of your better ones recently! I love the analogy of running the marathon. The goal is the same no matter how you chose to get there.
collin says:
I've sold the toys,and bigger amounts garnered from those sales, are sweet, but they don't seem to make the difference long term, that frugal habits do. In the long run without the frugal habits trouble always comes back , even after selling the toys.
Anessa says:
I also agree with you Trent. I look at money in a similar way I look at weight loss. If you want to loose 25 pounds in 5 minutes cut off your leg. Problem solved. If your willing to wait and work slowly toward your goal with less injury to yourself and a more customized fit, cut off the trips for lattes and useless sale items.
In life we could use a hatchet or we could use a scalpel. I like the scalpel for almost everything.
Do You Dave Ramsey? says:
Good article… I find myself at once agreeing and disagreeing which I thing is inspiring. I'm a huge Cowherd fan and I think I heard part of that rant. I agree that all steps forward are positive steps, however, not all steps are created equal. For example, I'd make more progress selling 30 jet skis rather than forgoing 30 lattes. It makes the think of the parable about helping someone with a speck in their eye when there's a log in your own. There's a Japanese continous improvement term – pokey-okay is the English numonic. It talks about impacting the next barrier to our improvement. For example, I'll priorize the jetski today and on day 30 I'll get to the coffee downsize.
I guess I'm trying to land where both ideas are on target and in this way it does come to priorizations. Jean Chatzkey's $10 a day is good advice but its value truely blossoms over an extended period of time. Sometimes a 'NOW' solution is required.
Hey, I didn't mean to carry on for so long… sign of a thought provoking article!
Andy says:
@#30, 31, and 33
1) I live in north central Kansas. Everything is cheap here, although people are paid less, too.
2) I've never been to Seattle.
3) But I have been to Toronto and I had the best latte of my life there. A little place that specialized in lattes with nice wooden benches outside just down the hill a bit from the gay neighborhood. God, it was worth it.
Moral of the story: Live in Kansas, but vacation in Toronto (or NYC or maybe Seattle next).
Des says:
@Saver Queen (#32)
"But just because you take the big steps, why ignore the little steps? "
The question becomes: how "little" of a little step is still worth it? Is it worth it to wash and re-use baggies? For some people maybe, for others not so much.
Trent's article the other day hit on this same point (http://www.thesimpledollar.com/2009/02/06/the-end-is-the-beginning/).
Yes, little things add up. But the question is to how much and is it worth the effort. $27,000.00 of today's dollars will be worth just shy of $10,000 in 35 years. Is it worth giving up 35 years of lattes for an extra $10,000.00 when you retire? To some, yes. To others, maybe not. That's not a bad decision, its just a personal preference (assuming you're otherwise financially solvent).
Des says:
@Saver Queen (#32)
"But just because you take the big steps, why ignore the little steps? "
The question becomes: how "little" of a little step is still worth it? Is it worth it to wash and re-use baggies? For some people maybe, for others not so much.
Trent's article the other day hit on this same point (see The End Is The Beginning).
Yes, little things add up. But the question is to how much and is it worth the effort. $27,000.00 of today's dollars will be worth just shy of $10,000 in 35 years. Is it worth giving up 35 years of lattes for an extra $10,000.00 when you retire? To some, yes. To others, maybe not. That's not a bad decision, its just a personal preference (assuming you're otherwise financially solvent).
MLP says:
I would agree that both are important. Mainly because of pyschological reasons. It is hard to be money conscious and spend a little more on small items b/c you do spend on little things much more OFTEN than on large items. Life is about BALANCE. Good post.
Jason says:
I do not like to hear when people say that small steps are inconsequential and make no difference. To me, it is like you mentioned – many small steps add up to a larger collective action.
In many cases, the thinking that the talk show host was portraying is why it is sometimes difficult to achieve large-scale change in society. Just take CFLs for example – yes, changing one light bulb doesn't seem to make much difference, but when every household in the nation does so, then that's a major difference!
finkle is einhorn says:
Herd had a point. Financial experts go on and on and on about how those coffees and little expenses add up. That's a no-brainer.
But while it's good to be mindful of these "low hanging fruit," it's the big-ticket items that do far more harm in a much shorter period of time.
Forming good habits is one thing. But swearing off a $2 coffee only to drop $1000 on plane tickets or $200 on a weekend in the city kind of defeats the purpose.
Cathy says:
An extra $10,000 in retirement means more vacations. You get senior rates for buffets, plus you can pick the cheapest flight days because you don't have to schedule vacation time at work.
dragonvale gems says:
Wow, wonderful weblog structure! How long have you been running
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Skincare with Standards: A Holiday Tip List
EDGE has slathered and steeped our way through some of the season's best and reveal our top four picks for skincare with standards.
Winter Beware: How to Avoid Dry Skin
With the lower temperatures and drier air comes dry, chapped skin. Biting winds, steamy showers and indoor heat are just a few seasonal hazards that can cause skin to go haywire. Dr. Eric Schweger offers tips to maintain a healthy complex this winter.
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subset: commoncrawl


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I have a question in onstartups.com. Usually there is a way to get email updates for answers to a question your post. But I did not see this option in onstartups.com. Once the notification is set in any of the StackExchange sites, is it set for all of them or do you need to set per question asked?
Meta Stack Exchange is where users like you discuss bugs, features, and support issues that affect the software powering all 158 Stack Exchange communities.
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If you aren't on one of the sites checking your global inbox for three hours (per your preferred notification schedule), you'll be sent an email - regardless of which site the message originated on.


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The Association of Womens Health, Obstetric and Neonatal Nurses has named its 2013 class of emerging leaders, which includes a nurse from Washington — Margie Bridges, RNC-OB, MSN, AWHNP-BC, a perinatal clinical nurse specialist at the Overlake Hospital Medical Center in Bellevue. She has spent 23 years in the field and lives in North Bend, Wash.
Launched in 2007, the Emerging Leaders Program engages nurses in a formal, year-long leadership training program. Activities include guidance from mentors, networking events, meetings with members of Congress and their staff, multiple continuing education opportunities, AWHONN committee assignments, and other training to build confidence and leadership skills among participants.
The program is made possible through a one-year educational grant from The Johnson & Johnson Campaign for Nursings Future. "We are impressed with the high caliber of future nursing leaders, and this years class is no exception," AWHONN CEO Karen Peddicord, RN, PhD, said in a news release. "We are also extremely grateful for Johnson & Johnsons continued commitment to this important program."
Other 2013 emerging leaders include Carla Allen, RNC-OB, BSN, CNIV, senior staff nurse and perinatal lead charge nurse, Georgia Health Sciences Medical Center, Augusta; Jennifer M. Bliven, RNC-OB, MBA, MPA, CCE, CIME, clinical coordinator for maternity service, Saint Lukes East Lees Summit (Mo.) Hospital; Mary Ellen Boisvert, RN, MSN, CLC, CCE, nurse manager, Tobey Hospital, Wareham, Mass; Edith Combs, RN, BSN, MSN, nursing supervisor of obstetrics and gynecology, Henry Ford Health System, Detroit; Natalie Lima-Garcia, RNC-OB, BSN, MPH(c), clinical manager, Georgetown University Hospital, Washington, D.C.; Tina Mendiola, RNC-OB, ADN, BSN, MBA, director of womens services, St. Davids South Austin Medical Center, Texas; Nicole Pendenza, RNC-NIC, BSN, clinical director, Catholic Medical Center, Manchester, N.H.; Lisa Pile, ADN, BSN, MSN, staff RN, Central DuPage Hospital, Winfield, Ill.; and Dixie Weber, RNC, MS, director of woman and childrens services, Eastern Idaho Regional Medical Center, Idaho Falls.
For information on the program, visit www.AWHONN.org.


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CSC to show arts documentaryFebruary 07,2013Arts documentary
today in Castleton
CASTLETON Castleton State College will present the film The Gates, a documentary about the 26-year journey to bring the largest public art project to New York City, at 6:30 p.m. today in the Casella Theater.
The Albert and David Maysles-directed documentary follows avant-garde artists Christo and Jeanne-Claude who installed 7,500 orange-curtained arches through miles of Central Park in February 2005.
The filmmakers and the artists faced decades of bureaucratic red tape and would ultimately shape questions around how we define and pay for art.
The event is free and open to the public. For more information, call 468-1119.MORE IN This Just In
Police say a too-quick reaction to a GPS system's directions sent a Toyota Corolla... Full Story To our readers: This morning we had an issue that has prevented timely delivery of... Full Story
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The Dutchman suffered the injury during the first half at the Emirates Stadium and tried to play on before being withdrawn.
The problem is set to keep the 26-year-old out of Swansea's next five games, including the second leg of the Capital One Cup semi-final against Chelsea.
Manager Michael Laudrup said: "We had bad news after losing the other day, we have lost Kemy Agustien for, I think, the next four weeks with his ankle.
"He twisted it in the first half, he tried to start the second half and there was some problem with the ligaments.
"It could have been a lot worse, but still four weeks means he will be out for at least our next five games, four in the league and the game on Wednesday (against Chelsea) as well."
- Sports & Recreation


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wow has this place changed. I am looking forward to checking out the new stuff, meeting new folks and maybe reconnecting with old folks I "knew" from before
I know that I was not a grandma the last time I was here so that puts a little bit of idea time wise I think
I am a mostly useless SAHM-meaning many of my illnesses have gotten worse and I can't do much of what I used to therefore ****I**** feel useless not that being a SAHM is useless to clarify. I have one out of the house and a parent, one in college and two minors.
Two dogs and four cats and two visitor cats
We have also a couple of ROUS that pop in to steal cat food
Married 19 years together 20.
I do better if anyone is interested in knowing better by people asking questions. I may or may not answer but you never know until you try:) And Since I have lost most of my friends due to being ill I appreciate the try and really do answer most:)
I remember you! Welcome back! I'm not remembering which areas of MDC I remember you from, but I definitely remember you.
Happy Homesteading Homeschooling Homebirthing Beekeeping Dready (& a bit redneck even) Mama to 4 fab kids : dd (23), dd (13), ds (11), dd (5)
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John Daly
Moderator (1950-1967)
Arlene Francis
Regular Panelist (1950-1967)
Bennett Cerf
Regular Panelist (1951-1967)
Dorothy Kilgallen
Regular Panelist (1950-1965)
Gene Kelly
Mystery Guest
Guest Star
Louis Jourdan
Guest Panelist
Guest Star
HAPPY NEW YEAR!!! This was the final edition of WML for 1964 and after tonight's program, the panel probably wished that the year was over, as they had a very poor game performance. In the first game, the panel was absolutely stumped by the grandmotherly steeplejack. Of course, it was not difficult to understand how the panel lost this game, because it was hard to believe that the elderly guest did such strenuous work. In the second game, the panel again struck out when they were unable to figure out that the contestant made shower curtains. The panel did get a reprieve when guest panelist Louis Jourdan correctly identified Gene Kelly. Unfortunately, Gene exited the stage immediately after his game, without promoting any appearance or project. Sadly, the panel reverted to form when they ran out of time while questioning the nine year old magician and as a result, he won the full prize by default. The panel's performance this night ushered out the year with a whimper rather than with a roar. - Sargebri (2006)
FAREWELL 1964!!! This was the final episode of WML for 1964. The coming year of 1965 would prove to be one of the most tumultuous in its history as it went from the joyous high of celebrating the show's crystal anniversary (the 15th) to the very tragic low of Dorothy's untimely passing. - Sargebri (2006)
FLIP REPORT: John flipped all the cards for the second contestant at eight down because time was running short. He flipped them all for the final contestant at five down because time ran out. - agent_0042
(1) NOT LOST AFTER ALL: After skipping this episode in 2002 and 2004, GSN aired tonight's show on August 18, 2006.
(2) "WML?" SPONSOR WATCH: Of the sponsors listed tonight, per Gil Fates' logs, S.C. Johnson's Klear floor wax was shown during the opening title sequence.
(3) For the opening of tonight's intro, Johnny Olson leads off with "And now, from New York..." Because this episode was prerecorded just before the live transmission of EPISODE #739 of November 22, 1964, his intro is spoken in real time, rather than through editing out the word "live" as was the case on all kinescope recordings of live "WML?" episodes of this period. It would also be one of the last times that this intro would be spoken as such in real time, however, as judging from the prior week's pre-taped EPISODE #743 (which, in terms of this season's prerecorded shows, was produced after tonight's edition), the wording would be changed to "And now, let's meet our 'What's My Line?' panel." - W-B
After having been skipped in both 2002 and 2004, this episode was finally aired by GSN on August 18, 2006. - Suzanne (2006)
Tony Randall passed away on May 17, 2004. As a tribute, GSN aired a special broadcast of Tony's first WML appearance on EPISODE #327 of September 9, 1956. As they so often do with tributes, GSN then skipped this episode which was next in line to be shown, and did not air it. - Suzanne Astorino (2004)
This episode was prerecorded. From Gil Fates' logs, we know this episode was taped on November 22, 1964. - Suzanne (2003)
Panel: Dorothy Kilgallen, Louis Jourdan, Arlene Francis, Bennett Cerf.
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This 1988 FrankenPlymouth Will Blow the Bolts out of Your Neck
Apparently, Dr. Frankenstein is a real guy. It seems he's moved from cobbling creatures to assembling quick sleeper cars for the drag strip.
Tire Shredding: 1969 Plymouth Barracuda Does a Monster Red Burnout in Carlisle
One of the key attractions each year at the massive Chryslers at Carlisle car show in Pennsylvania is the burnout competition and this week's Tire Shredding Tuesday clip takes a look at a 1969 Plymouth Barracuda doing a gigantic smokey burnout at the huge Carlisle event. This Cuda roasted the tires for more than two […] More »
Mopar Muscle: Nitro Blown Hemi Cuda Races a Quick Duster
The only thing better than watching a high performance Mopar muscle car tear down the drag strip is watching two high performance Mopars in action on the quarter mile and this week's Mopar Muscle Thursday clip features two seriously fast classic muscle cars going head to head. In the near lane is what I believe […] More »
There will be a new Barracuda, but … April Fools
I have good news and I have bad news. The good news is that there will be a new Barracuda. The bad news is that it won't be based on the Dodge Challenger. Think smaller, and … uh … pointier.
Mopar Muscle Thursday: Plymouth Duster Drifts in the UK
This week's Mopar Muscle Thursday clip takes a look at a Plymouth Duster partaking in some drifting action at the Mopar Nationals. However, this isn't the Mopar Nationals that are held each year in Columbus Ohio but rather, this clip comes from the European Mopar Nationals held at Santa Pod Raceway in the United Kingdom. […] More »


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In the words of Kenny Rogers, "You gotta know when to hold 'em, know when to fold 'em." These lyrics certainly ring true when a restaurant's revenue falls short of keeping up with the bills. There are myriad reasons for a business to close its doors, from poor local economic conditions to increased rental terms or even death. For whichever reason, the best way to get out with the least amount of pain and strain is to stay organized and plan ahead. In fact, even if you're not planning on closing shop anytime soon, it is still good practice to consider your business a marketable commodity and run it as such.
Keep Your Business Firmly Planted
Prove your business's worth and develop a clean and organized bookkeeping system. Track your income, expenses and cash flow, keeping it all on a statement either you or a professional accounting firm prepares each month. A potential buyer will want to see proof that the business can make a profit, or conversely, they will want to see what ate up the profits. In both cases, proving a profit or a loss of revenue, is extremely helpful and part of a sound consideration when attracting a buyer for your restaurant. This will increase your chance of selling the business and could attract more interested parties.
Know Your Location's Value and Terms
If you have a mortgage on your restaurant's location, make sure you know exactly how much you need to pay off of the existing loan. Next, research the current interest rates on business loans and then work with a realtor to assess a fair price that will either set you back to square one or make a profit. If you are on a lease, be sure to know the value of your lease terms to a potential buyer. If the remaining length of your lease is less than the state requirements for a business, consider how this will affect the overall value of your location. Speak with your property management company about setting new lease terms for the buyer and try to negotiate early termination on your leasing contract if you are able to fill the space quickly. Many landlords will be happier to not have a vacant space as they will only lose money if it is not filled by the end of your rental agreement.
Track Your Assets
It's hard to accept, but the state-of-the art walk-in cooler and convection oven you purchased a year ago is not likely to sell for the same price as when you purchased it. Just like cars, food service equipment depreciates with time and use. Although everything may be working in perfect order, it's important to know its true value when reporting the worth of your business to a potential buyer. Keep all of your warranty and regular maintenance information organized and available for a prospective party to look over. This will increase the value of your used equipment.
Keep Up Your Curb Appeal
Realizing that you need to sell something you worked so hard to create is difficult. It's even harder to put more money into it, just to get rid of it. But, like all realtors and home design television shows will tell you, you have to get someone to stop the car and take notice that your business and real estate is for sale. The exterior design of your restaurant must look appealing or easy to fix up. Keep your exterior area clean and free of trash or debris. Make sure the paint is fresh and windows are clean. Stage the interior so that interested parties can envision their own business in the space. Keep floors swept, the equipment clean and bathrooms well kept.
Cooperate With Corporate Initiatives
Get yourself familiar with the legal structure of your restaurant. If your business is part of a restaurant franchise or corporation, consider selling your stake. Be sure to hire an attorney to walk you through this process. This option can be highly desirable to other entrepreneurs looking to get their feet wet, but it is important to know all the legal and financial details prior to making an agreement. If you are not considering selling your business now and own a food service business that is part of a corporation, hiring a legal consultant for exit strategy options is still a good idea. Knowing what your options are if plans go south keeps you one step ahead of the panic button for when times get tough.
Selling It All: Lock, Stock and Barrel
Do you have a high-quality menu, beautiful restaurant furniture and well-trained staff? Consider selling your business as an entire commodity, including personnel. For a prospective buyer, not having to develop a new menu, hire and train staff and purchase all new restaurant equipment and supplies can be a very enticing offer. In short, you are selling a career to someone. If this is a route you are willing to take, set up an operation that can be seen and proven demonstration of a well-oiled machine.
Creating an exit strategy maximizes your potential to walk away with your shirt. The biggest folly a restaurant owner can fall into when selling their business is to allow the pressure and panic to get to them. Remember to tell yourself that this was a good idea and a sound investment to you when you started. Now it's time to showcase the potential you saw in your business to someone else. Lastly, it may also be beneficial to hire a restaurant consultant to assist in getting your business in shape for sale.


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Marvel Assembles an Official Title for Third "Avengers" Movie
Comic Books, Film
Showing results 1-2 of 2
X-O Manowar #31
Issue #31 is the start of a new storyline, introducing both a new status quo and a new if stereotypical villain, easily accessible with strong, competent art that welcomes new and existing readers alike.
|January 2nd, 2015
The Darkness #100
The release of "The Darkness II" video game is sure to stir up some interest in Jackie Estacado, but this issue might not be the best prescription for Darkness fever.
|February 29th, 2012


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Guests heard from panelists Christopher Wagner, (Chief of Appeals, Internal Revenue Service), Sheldon Kay (Deputy Chief of Appeals, Internal Revenue Service), Gerald Ouellette (Appeals Team Case Leader & Mediator Internal Revenue Service)
Panelists offered their perspectives on Appeals' practices for resolving tax controversies, without litigation, fairly and impartially for both taxpayers and the government.
The panel discussed appeals' mission and workload, the process of evaluating an appeal and negotiating settlements, and best practices for taxpayer counsel.
The panel also addressed appeals' experience with ADR programs, such as Fast Track Settlement and Fast Track Mediation, and take questions from practitioners.


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Before you go: Round the World travel tips – Lonely Planet blog
"If you've got 6 months to travel, chances are you'll be thinking about a Round the World trip (and fending off the jealousy of your friends).
But it's not as simple as jumping on a plane. There's an art to the Round the World trip — or RTW travel to those in the know — and Thorn Tree is chock-full of great advice. Here are some great tips from Lonely Planet members."
— Jane Nethercote, Lonely Planet author
read more: Before you go: Round the World travel tips – Lonely Planet blog.
Leave a Reply
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Video Conference services allow for IP video and audio connections. It is useful for attending meetings and lectures that you may not be able to attend in person. Conferences can be setup with other institutions and entities that are both internal and external to USF Health.
To schedule a video conference, please submit a Technology Service request here: Technology Service Request. Then follow these simple instructions:
**Please reserve room locations at least 15 minutes prior to meeting time to allow for set up.
**To ensure that there is no delay of your meeting, we recommend at least 24 hours advanced notice.
During business hours (M-F, 8-5): Free. After hours: $60/hour for technician support.
All customers with a USF Health Account are allowed to request this service.
All video conferencing services can be requested any time during normal business hours Monday – Friday from 8:00 am to 5:00 pm through Technology Services Request system. Any request entered after hours or on weekends will be processed on the next business day.
For technical issues there are "Help" buttons located on the equipment in most of the rooms used for conferences. Technician assistance is available by using the Live Chat Portal or by calling (813)974-6288 option 2.
Options for this service are determined by each conference, as the other entity may not have different equipment that requires coordination and configuration to setup the conference properly.
- Please choose an issue * -
Hardware (printer, scanner, mouse, monitor...etc)
Microsoft Office (Word, Excel...etc)
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To attach a file please email support: Attach File
* Please make sure you reserve your own room on the Outlook calendar for Video Conferences
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The Gunners took the lead midway through the first half as Spain midfielder Cazorla flung himself to the floor following a challenge by Steven Reid, with replays showing there was no contact. Mikel Arteta converted the resulting penalty.
The Baggies never really recovered from the sense of injustice and there was no way back once Arteta converted from the spot again after 64 minutes after Chris Brunt had tripped Alex Oxlade-Chamberlain.
Wenger had not reviewed the incident but revealed Cazorla insisted there had been contact.
"I am sorry if it was not a penalty but I have spoken to Santi and he said he was touched, lost his balance. Has he made a bit more of it? I don't know," Wenger said.
"When he [a player] is touched, he goes down, the referee can give or not give the penalty.
"Of course [I will speak to Santi if he has not been touched]. I will look at it, don't worry."
Despite its controversial nature, it was a much-needed first victory in four matches for the Gunners, who have moved back up the Premier League table as a result.
"Overall we played well. We were maybe a bit lucky on the first penalty but we created chances and kept a clean sheet," Wenger said.
"We have shown a great spirit, which many people questioned after our last game, so we did our job very well. You could feel we were ready for a fight and that we absolutely had to win this game, which is what we did."
- Sports & Recreation
- Soccer
- Mikel Arteta


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Big Board Issues Its Ideas on Corporate Governance
By RIVA D. ATLAS
Published: June 7, 2002
The New York Stock Exchange, hoping to restore public confidence in the stock market, issued recommendations yesterday intended to tighten corporate governance rules, including requiring that independent directors constitute a majority on corporate boards.
Investors and corporate governance specialists said that even if the recommendations were adopted, they would not be able to prevent fraud by corporate executives. But they are a first step toward restoring the confidence of investors, who have suffered billions of dollars in losses after scandals at companies like Enron, Global Crossing, WorldCom, Adelphia Communications and Tyco.
''We understand you cannot legislate honesty and confidence, but neither can we ignore dishonesty and incompetence,'' said Leon E. Panetta, a former White House chief of staff and a co-chairman of the exchange's corporate accountability and listing standards committee.
The committee was set up in February at the request of Harvey L. Pitt, chairman of the Securities and Exchange Commission. Its recommendations are subject to a public comment period and will be voted on at the exchange's board meeting on Aug. 1. Then they are subject to approval by the S.E.C. Companies whose shares trade on the exchange would have two years to comply.
Several of the committee's recommendations are focused on increasing the proportion of independent directors on corporate boards. Independent directors should account for a majority of a board, the committee suggested. Current rules say that a listed company must have an audit committee that includes at least three independent directors.
For a director to be considered independent, he or she must have ''no material relationship with the listed company either directly or as a partner, shareholder or officer of an organization that has a relationship with the company,'' according to a report by the committee.
About 25 percent of the 2,800 companies listed on the exchange did not have a majority of independent directors on their boards last year, based on data gathered for the stock exchange's committee by the Investor Responsibility Research Center in Washington. The center's definition of independent is slightly stricter than the exchange's proposed definition, said Carol Bowie, director of governance research services at the center, so the actual number of exchange-listed companies that do not meet the standard is probably slightly lower.
But even if a company's board is dominated by independent directors, that does not guarantee good corporate behavior, Ms. Bowie said. Some companies that do not meet the center's standards are among the most admired by investors, Ms. Bowie said, including Berkshire Hathaway and General Electric. Meanwhile, a majority of the board of Enron, whose directors have been faulted for being lax, would have been considered independent by the center, based on the information the company disclosed last year.
''These are recommendations that tend to result in good corporate behavior,'' Ms. Bowie said. But, she added, ''there is no silver bullet to make every company a good corporate citizen.''
Defining what constitutes an independent director could also be tricky. Only 37 percent of G.E.'s directors last year were considered to be independent based on the center's data. But Gary Sheffer, a company spokesman, disputed that characterization. Of 16 board members, all but 4 are independent, he said. While some of the directors do have business ties, ''the board determined that the relationships described in our proxy are minor in nature, are longstanding and preceded the directors' appointments to the board.''
The focus on increasing the number of outside directors is likely to result in companies looking to a broader range of candidates to join their boards. ''The difficulty will be in finding enough sitting C.E.O.'s who are free to take on board seats,'' said Tom McLane, vice chairman of the Directorship Search Group, a consulting firm. That could cause companies to turn to chief financial officers, chief information officers and human resources specialists as directors, he said.
Boards will probably be smaller, said Ken Bertsch, director of corporate governance at TIAA-CREF, the institutional investor, as companies struggle to find appropriate directors. ''Companies are moving toward 7 to 12 directors,'' he said, down from as many as 20 in recent years.
Other recommendations made by the exchange's committee include giving shareholders the opportunity to vote on all stock option plans. The current rules require shareholder approval of only those stock plans where officers and directors may participate. The recommendations also state that brokers can vote their clients' shares only on such proposals after checking with them first.
The exchange is seeking the authority to publicly reprimand companies that violate its rules, which would give the exchange an enforcement tool softer than suspending trading in a company's shares or delisting it entirely.
The recommendations were hailed by most investors, but some of the more skeptical on Wall Street were not counting on the exchange to prevent further corporate scandals.
''A public reprimand is like taking a wet newspaper and hitting a dog once with it,'' said Marc Cohodes, a short seller at Rocker Partners. ''When people commit securities fraud, they need to be stripped of all their ill-gotten gains and sent to jail.''
Photo: The New York Stock Exchange made recommendations yesterday intended to restore investor confidence in the markets. From left, Leon E. Panetta, Richard A. Grasso, Gerald M. Levin and H. Carl McCall. (Associated Press) Chart: ''Retail Sales in May'' Year-to-year changes in the Goldman, Sachs retail composite index, based on monthly sales at stores open at least a year. Graph tracks year-to-year changes in the Goldman, Sachs retail composite index since February 2001. Below are results for the four weeks ended June 1, except as noted, compared with the corresponding period last year. Companies are listed in order of 2001 sales. Kmart has not released figures because of its bankruptcy filing. COMPANY: Wal-Mart* (4 weeks to May 31) SAME-STORE Change: +6.2 % OVER ALL Sales: $14.24 billion Change: +12.9 % COMPANY: Costco (4 weeks to June 2) SAME-STORE Change: +6.0 OVER ALL Sales: 2.95 Change: +10.0 COMPANY: Target SAME-STORE Change: +2.6 OVER ALL Sales: 2.98 Change: +11.3 COMPANY: Sears, Roebuck SAME-STORE Change: -4.4 OVER ALL Sales: 2.26 Change: - 1.5 COMPANY: Federated Stores SAME-STORE Change: -3.4 OVER ALL Sales: 1.15 Change: - 0.8 COMPANY: J.C. Penney (4 weeks to May 25) SAME-STORE Change: -5.1 OVER ALL Sales: 0.95 Change: - 5.7 COMPANY: Gap SAME-STORE Change: -9.0 OVER ALL Sales: 1.00 Change: -2.0 COMPANY: TJX SAME-STORE Change: +3.0 OVER ALL Sales: 0.88 Change: +12.0 COMPANY: Limited+ SAME-STORE Change: +5.0 OVER ALL Sales: 0.67 Change: +8.0 COMPANY: Saks SAME-STORE Change: -3.3 OVER ALL Sales: 0.40 Change: -4.3 COMPANY: Nordstrom (4 weeks to June 2) SAME-STORE Change: +1.1 OVER ALL Sales: 0.41 Change: +5.8 *Figures exclude McLane's. +Figures exclude Galyan's and Limited Too. (Source: Goldman, Sachs, based on company reports.)


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Skip to comments.Kerry: No Bloodbath In Vietnam After US Redeployment (What dimension is this guy in)
Posted on 07/19/2007 12:35:59 PM PDT by Chicos_Bail_Bonds
click here to read article
30 Apr 75 Saigon surrenders.
Apr-Aug 75 Per UC Berkeley demographer, Jacqueline Desbarats' article "Repression in the Socialist Republic of Vietnam: Executions and Population Relocation," research show an extremely strong probability that at least 65,000 Vietnamese perished as victims of political executions in the eight years after Saigon fell.
What dimension is this guy in?
It's more like a time-warp thing.
The ultra-liberals (and beyond) of Mr. Kerry's age and ilk cannot accept that the MSM no longer set the agenda, define what is news, what the issues are, what "facts" are -- the MSM no longer are the gatekeepers.
Yes MSM employees behave as I remember them from the 1960s and 70s, they will back what the Kerrys say or simply spike the story. The poor dolts.
This is the 21st Century and we have a free press again!
That was Cambodia, and doesn't count according to Kerry, except of course, unless he's telling his Christmas in Cambodia story.
It wouldn't surprise me one bit if you were right.
I cannot even imagine how bad the alternative to Bush in'04 could have been. I'm still glad I voted for Bush even with the whole attempted immigration/border fiasco.
technically that wasn't in Vietnam. there were re-education camps and some executions, but the real disaster was in cambodia with the Khymer Rouge, who were actually deposed by the Vietnamese commies in 1979
then, I read the latest thing this asshat Kerry has said, and I am glad I voted for Bush.
Thanks John Kerry for reminding me why I voted for Bush and not for you.... you phony hero, checkbook boy toy.
Actually, that was Cambodia, but plenty of Vietnamese either were killed, or had to submit to brutal "re-education" after America left.
In Kerry's jetsetter world, the two million who died didn't matter. (There's nothing worse than a nouveau riche — and on TerAYsa's dead husband's money, to boot.)
This idiot has been in Terezzzzza's raisin rum again.
Photograph of John Kerry meeting with Comrade Do Muoi, General Secretary of the Communist Party of Vietnam, in Vietnam. Photo displayed in the War Remnants Museum (formerly the War Crimes Museum) in Saigon. The June 2, 2003 edition of the Viet Nam News is held beside the Kerry photograph to confirm the date the photo was taken. English-language placard below the photograph reads: Mr. Do Muoi, Secretary General of the Vietnam Communist Party met with Congressmen and Veterans Delegation in Vietnam (July 15-18, 1993).
John Kerry, circa 1974: "Cut and run. Our local allies won't suffer."
John Kerry, circa 2007: "Cut and run. Our local allies won't suffer."
And they say J F'n K is a flip flopper.
I chide my family about this all the time (They still live in MA) The response is alwayy s the same. He really cares about his constituents, if you send him a letter, you will get a response in short order. He also has the capacity to pull a long set of strings...So in other words he is proficient at being a pandering politician.
They just vote for Kerry because Massachusetts just loves a communist America hater.
During the pajama party his idiot Marxist buddy Harkin (pictured here with his good Komrades Kerry and Ortega) read from the same script about Vietnam - we tucked tail and ran but no bloodbath...blah, blah, blah. Traitorous jerks.
What's amazing is how close he came. It's a tribute to how weak Bush was within his own party.
We can thank the swift boat folk. When you consider the miniscule budget those people had at their disposal versus the Democrat Colossus plus the free advertising by the likes of Dan Rather...well...it's all pretty amazing.
He pretty much has to believe this lie, else how could he live with himself?
I read on Snopes.com that it's a false notion that Kerry's medals weren't won legally .... but from what I read, he got his PH's from whining about his injuries and that it's highly unlikely that someone could win the Bronze Star, Silver Star and three PH's in four months of being in a combat zone ....
He looks good compared to Teddy?
By some accounts, Viet Nam was actually worse. But that's a pretty grim competition, unless you're a left-wing apologist.
Is that Johnnie Boy standing on the roof, helping evacuees into the helo?
Everything is relative. Mao and Stalin killed far more people than were killed in the Holocaust by the Nazis, but that doesn't make the Holocaust any less significant. The Black Book of Communism, published by Harvard University Press in 1999, estimates that two million Cambodians and one million Vietnamese were slaughtered by the Communists in Indochina.
An estimated 528,000 were killed by the Vietnamese Communist government after 1975. This does not include the hundreds of thousands of boat people who drowned, died of starvation or thirst, or were murdered by pirates after fleeing Vietnam in desperation in over-crowded small boats in the hope they might somehow find their way to land and a chance at human freedom. Perhaps half-a-million boat people managed to make it safely to land. Estimates of those who died range from a few hundred thousand to half of those who fled. "Anyone who still denies that a bloodbath occurred after America abandoned the peoples of Indochina is either lying or totally out-of-touch with reality. To this tragic cost must be added the suffering of the many tens of millions who were consigned to Communist tyranny by our decision to abandon them."
In his 1971 testimony before Congress, Kerry seems to have taken several positions on the issue of recriminations, arguing at one point that perhaps 2,000 or 3,000 people might face political assassination when the Communists took over, but total recriminations would be far, far less than the 200,000 a year who are murdered by the United States of America. Kerry is a fool and a traitor.
about 10 years ago or so,
the government of vietnam paid kerry millions of dollars.
It must be hard to re-write history when there are so many of us out here who lived through it - and know better.
I've read the action reports - just curious as to where SNOPES.com got their information that it was a hoax ... everything I've ever read is that Kerry is a liar .....
Snopes carries water for the DNC - they are hardly reliable.
POL POT ring any bells
The killing fields were in Cambodia.
Kerry is both a moron and an unctuous pri^^. Tough to be those things simultaneously but Long John has managed to do it for years.
yep, Cambodia. He was trying to cut too fine a hair here.
He is a boob.
Any chance the TODAY show will cover this tomorrow??!?
Kerry, who served in Vietnam, demonstrates on a regular basis why he can only win elections in the people's republic of Mass.
I realize the Killing Fields were in Cambodia...Laos, Cambodia and Vietnam are linked strongly especially after our withdrawl SE Asia. In my mind, the Killing Fields is as much an issue with Vietnam as the USS Cole being attacked in the Middle East. Though the Cole didn't happen here in the states, it was still an attack on a US asset against US personnel. The Killing Fields was a display of millions dying in SE Asia and would likely NOT have happened if the US was still in SE Asia. IMHO.
There was plenty of killing going on in the fields of Vietnam after we cut off the measly 300 million per year at the behest of the John Kerry's of this world.
I blew one young man's mind one day, after having talked to him for a bit about this and that, including politics. I must have mentioned at one point that I was a conservative Republican, and actually said, "Wow, you're a Republican, but you actually care about poor people!" I just chuckled and said, "Let that be a lesson to you, the Democrats don't always tell the truth."
John Effin' Kerry is a lying sack of bovine excrement.
I hear the same thing all the time! Drives me nuts. It just goes to show that they both have very efficient staff people; some have probably been there for years, and can pull strings because they know everyone in town!
We're planning a trip to DC, but I'm not even going to contact either of them, or our local commie Rep. to see about getting passes to the WH or Congress. I don't want to have anything to do with them.
The first PH is especially questionable because no documentation supporting the award has been released except for the certificate itself. Kerry's immediate superiors refused to put him in for the award. The doctor who treated him compared the wound to that caused by a rose thorn, with the little piece of metal two centimeters long. It came from the shrapnel from an M-79 fired by Kerry on a training mission in a Boston whaler. It was self-inflicted. The Adm states quite clearly there was no hostile enemy fire. Hence no after action report or casualty report.
After Kerry left the unit, Coastal Div 14, and transferred into a new unit, he mysteriously was awarded the PH three months later. No one knows how it was submitted since his previous CO, Grant Hibbard, refused to submit his PH request. Hibbard said "no way" and told him to "get out of my office." The only thing to substantiate the claim is a treatment report signed three months later. Apparently, Kerry was able to get someone else to sign off on the award in the new unit, but no documentation has been produced showing who signed off on it. I wouldn't put it past Kerry to falsify the submission and forge a signature.
He is right. We were out in '73 but still supporting the south financially. In '75 the Congress stopped the funding (sound familiar?), that's when the horrors began.
I asked that question years ago....historically, has it ever been done before? Two stars and four PH in less than four months?
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text:
Phoenix Coyotes vs Vancouver CanucksTue, March 4, 2014 - 7:00 PMGila River Arena in Glendale, AZ
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Rhubarb Custard Pie
Yield: Makes 8 servings.
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- 2 cups diced rhubarb
- 1/2 cup sugar
- 1/4 cup water
- 1-1/2 cups light cream
- 4 large eggs
- 1 teaspoon vanilla extract
- 1 unbaked piecrust
Instructions:Combine the first three ingredients in a saucepan and cook for about 10 minutes, to make a puree. Preheat oven to 375 degrees F. Beat cream, eggs, and vanilla together. Pour rhubarb puree into pie crust, then pour the custard mixture over that. Bake for 30 minutes or until set.
Updated Wednesday, February 9th, 2005
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KFHEAMMGS7/H97997000001000_MEDIA_SET true
Vandoren Alto Saxophone Jazz Reed Sample Pack Strength - 2.5Product #H97997 Vandoren H97997 KFHEA Alto Saxophone Reeds https://www.esnapw.com/rses/ESnapServlet?MerchantNumberSent=63655
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text: AdChoices Terms of Use Privacy Policy Hide TOP 10 Top 10 Cars Top 10: 400-Plus Horsepower Rides Share Tweet 0 Shares 4. Mercedes-Benz C63 AMG: 451-hp Mercedes-Benz Horsepower: 451 For the junior Mercedes, the fourth time is the charm. At last, devotees have a C-Class that in any trim is impressive. When the said fourth-generation C-Class wears the AMG designation on its trunk, it becomes formidable. There's a blue-pill effect on the price, $63,930, but you'll appreciate the extra thrust (is 0 to 60 mph in 4.1 seconds acceptable?). It comes from an AMG hand-built, 6.2-liter V8 that positively turns this Benz ferocious. And yes, handling and braking is just as sweet. As a matter of fact, BMW M3 Sedan buyers might want to hold off on their acquisitions until the C63 presents its argument. Next Page TOP 10 9 8 7 6 5 4 3 2 1 Comments Share your opinion Your name More Like This Car Reviews After 2 Decades, Alfa Romeo Is Back. Will The 4C Have Americans Falling For It? Read More Car Reviews You'll Want To Take This Cadillac Out For A Midnight Drive Read More Car Reviews What Separates A $50k Mercedes From A $275k Mercedes? Read More Cars The Chevrolet Camaro ZL1 Reviewed Read More Cars The Hyundai Veloster Turbo Reviewed Read More Top 10 Cars Top 10: 2011 Geneva Motor Show Debuts Read More Around the Web Special Features Guy Gear The Best Watches Under $500 Read More Special Feature The Ultimate Guide To Hooking Up Online Read More


text:
Thousands of people waved American and Mexican flags in a March Monday that centered on an immigration bill the House of Representatives passed in December.
"They want to penalize us as criminals," supporter Omar Garcia said. "We're just here to work."
Participants lined up at 9 a.m. Monday on the east side of the Civic Center and began their trek through downtown about a half-hour later. They marched along sidewalks, south on South Johnson Street around the Civic Center, then north on Buchanan Street, west on 4th Avenue, south on Taylor Street, east on 7th Avenue and made their way north on Fillmore Street. Many waved American and Mexican flags and held signs. They shouted, in Spanish: "We can do it."
One sign read in Spanish, "Queremos leyes justas para nosotros, los inmigrantes," or translated, "We want just laws for us, the immigrants."
Slideshow: View photos from the protest
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A shot for an upcoming website project of a fireworks manufacturer. Here's the headline for the featured area in homepage.
The intent is to recreate an graphite effect resembling gunpowder.
What do you think… in your opinion is the "cobra" word too dark?
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I am using some applications need to do some thing as an admin, so I was using the verb "runas" in windows 7 and it is working well,
However, once we migrate to windows 8, the new processes were having the same permissions as the invoker no matter what it was, so a lot of permission exceptions were thrown.
What happened to "runas" verb? Is there a new verb or more suitable one to use?


text:
Secondary school places and admissions
Secondary school admissions for september 2016
Applications for Secondary School places for September 2016 can be made from 1st September 2015.
Unless you decide to educate your child at home, your child must be in school.
If your child is currently in Year 6 and born between:
- 1 September 2004 and 31 August 2005 they can start Secondary School in September 2016.
If your child is currently in Year 9 and born between:
- 1 September 2001 and 31 August 2002, they can apply to join a University Technical College.
Timeline of activity
|1 September 2015
|Application process opens.
Applications can be made by hardcopy application form or using the online admissions system
|31 October 2015
|Deadline for receiving ontime applications.
Applications made after this time can only be made by hard copy application forms and will be considered as late.
|15 January 2016
|Deadline to submit any changes of address for consideration
|1 March 2016
|Offers made to parents
|15 March 2016
|Deadline for accepting places


text:
by Jay Younts at Shepherd Press - February 22, 2013 Children, then, come next. You are to train your children to know God and then prepare to leave your home. Yet, things get turned around. Husbands and wives often spend time attempting to change each other … [Read more...]
Quoting Quiverfull: Children Rebel Why?
Does Evangelical Christianity Cause Emotional Damage: Part 2
by Brucer GerencserEvangelicalism is dominated by Bible literalism. God said it, and that settles it. There can be no debate, no argument. An infallible God has spoken. Whatever the Bible teaches, the Evangelical is duty bound … [Read more...]
Does Evangelical Christianity Cause Emotional Damage? Part 1
by Bruce GerencserEvangelical Christianity teaches that humans are, by nature, sinners. Humans do not become sinners, they are sinners. Humans are born with a sin nature. From the very moment they come into this world they are sinners. This is the lot of … [Read more...]
I'm Coming Out
by Cindy FosterOk. I am finally coming out!I've been wanting to do this for a very long time. It won't be much of a surprise to many of you since I have posted links to articles … [Read more...]
by SamanthaAfter my family left our fundamentalist cult, and my life turned upside down –many of the things I'd been told were "true" started unraveling. I started seeing patches of my life, of the way I had been taught to think, were hideously wrong … [Read more...]
Quoting Quiverfull: Do Parents Destroy Children Without Trying?
by Michael Pearl of 'No Greater Joy' Six Ways Parents Destroy Their Children Without Trying - December 14, 2012 God promises, "Train up a child in the way he should go: and when he is old, he will not depart from it" (Proverbs 22:6).Parents, … [Read more...]
Standing Up to Spiritual Abusers via Social Media Today #WhoWouldJesusSue
by Vyckie Garrison Survivors of spiritual abuse are making a push today to call attention to the outrageous tactics employed by pastors and other religious leaders to silence their victims - specifically, we're calling attention to Calvary Chapel pastor Bob Grenier's lawsuit against his adult stepson, Alex Grenier who came forward to report that he was physically abused by Bob Grenier after Bob … [Read more...]
Christian Advice For Brides in Training?
by CaluluLately I've been running into a number of Funda-Gelical blogs dedicated to either training brides what to do once they marry or advising them on what a proper Christian lady does to prepare for her future marriage.Some of the advice is … [Read more...]
Civility Pledge: Creating a Safe Environment for Constructive and Healing Conversation
by Vyckie GarrisonWhen it comes to a discussion of the inherently pernicious elements of the Quiverfull ideal, such as patriarchy, fundamentalism, bible "literalism," Dominionism, etc., which result in the spiritual abuse of Christian women and their families, it is too easy to be sarcastic, condescending, harsh, … [Read more...]
We are not the enemies of our best selves
by SierraI've spent the past few years very plugged in to social justice media. When I get my news, for good or ill, it's about the progress or regress of the social issues I care about. The rest of the time, I don't pay attention. Issues that don't elicit an intellectual or emotional response in me don't rise to the surface, because they don't show up on the blogs I read or the … [Read more...]


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Skip to comments.500-year-old book surfaces in Utah
Posted on 04/26/2011 4:15:10 PM PDT by greatdefender
SALT LAKE CITY Book dealer Ken Sanders has seen a lot of nothing in his decades appraising "rare" finds pulled from attics and basements, storage sheds and closets.
Sanders, who occasionally appraises items for PBS's Antiques Roadshow, often employs the "fine art of letting people down gently."
But on a recent Saturday while volunteering at a fundraiser for the small town museum in Sandy, Utah, just south of Salt Lake, Sanders got the surprise of a lifetime.
"Late in the afternoon, a man sat down and started unwrapping a book from a big plastic sack, informing me he had a really, really old book and he thought it might be worth some money," he said. "I kinda start, oh boy, I've heard this before."
Then he produced a tattered, partial copy of the 500-year-old Nuremberg Chronicle.
The German language edition printed by Anton Koberger and published in 1493 is a world history beginning in biblical times. It's considered one of the earliest and most lavishly illustrated books of the 15th century.
(Excerpt) Read more at news.yahoo.com ...
"I'll give ya $150 bucks for it."
How about 300? :p
LOL! You beat me to it. The first thing I thought of was Pawn Stars.
"The last 500 year old book we had in sat on the shelf for over a year, and I'm gonna have to pay someone to fix this thing up. I just don't see any money here.... $150 Bucks".....
I love these two quotes from the article:
"But what's it actually worth? Turns out, not much."
"Because of this book's tattered state, Windle said it's likely worth less than $50,000."
Oh gee. Only 50K. Too bad.. I thought he had something there. LOL!
"Honestly, I just don't know enough about this stuff to even put a price on it. Lemme call a buddy of mine..."
Interesting. I'll bet it came back in some GI's dufflebag in 1946.
I collect books. My oldest book is a text book. It's signed and dated by the previous owner, Feb. 11, 1890.
Helen Thomas' High School Yearbook?
If it was borrowed from a library, somebody owes about a trillion dollars in fines.
That is pretty cool. I bought a Bible circa 1900 at a flea market. It has a page stating "Our Public School Bible". What a rare find. Still have it. It is on display at my kids school.
I don't know.... $50k just doesn't go very far these days. It's just barely enough to fill up the car with gas, go out to eat at a nice restaurant, get some groceries, and buy off a politician. Sometimes you can score a 'two-fer' with the nice meal and buying the politician by landing tickets to a $25k per plate fund raiser.
From the title I thought it might be the original book of Mormon :)
I have a Webster's dictionary, bindings have come loose, set of 2 (A-L and M-Z) dated 1935, big books with colored plates of flags, flowers, etc. and they were only 50 cents each years ago at a thrift shop. Read somewhere they are much sought after by designers for the colored plates (state flowers, etc.) Have no doubt I could get a whopping 40 cents each from the right buyer.
My school has a shelf of Euclidean geometry books from the 1880s in the classroom we use for detentions. When I am taking detention, I make the boys copy out pages from the books - they really hate it.
Jeez, it's spotting and falling apart and I can get an electronic version on my kindle for ten bucks, so I can't see any value here....
Gotta love how "Not much" is $50,000.
I have a couple of Bibles older than that. Since they're my family's, I wouldn't even think to get them appraised.
Older than 1890's, not 500 years.
I read a funny comment on this article where someone said they had a globe so old it was flat.
LOL! But it was missing the magic hat and rock accessories.
I think the oldest book I have is a copy of "Journals of the General Conference of the Methodist Episcopal Church" Vol I, 1796 - 1836 (published by Carlton & Phillips, 1855. It's in pretty good shape for its age.
I collect a few as well, some going back to the early 19th century.
I think my most interesting book to me is a 1918 lab book of qualitative chemical analysis with hand written notes in the margin by the young chemist taking lab. I picked it up in a local used book shop a few years ago for $3.
Most interesting to me I suppose since I am a chemist and realizing that in 1918 there were essentially no analytical laboratory instruments you see today. The most they had were polarized light microscopes.
I was wondering which you meant!
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D A M N. I'm erupting with envy. (It's ugly: Don't look.)
I have a two-volume set of an 1872 Webster's Dictionary. Paid 99cents for each. This is my best book treasure.
Now this looks like a good thread for me to brag about my little gem.
I have a 1st edition of Ben-Hur: A Tale of the Christ, by Gen. Lew Wallace. Printed in 1880.
Now, there is a personalized inscription, unsigned, but dated Nov. 2 '86. What makes it more interesting is I have seen an autographed copy on line, dated Nov. '86. Wallace's Nov. '86 and mine are "identical." So I believe I have a copy which Wallace gave to a friend. Pretty cool.
I have a "Translation of the Syriac Testament" by Js. Murdock, 1851
It is a translation of one of the earliest remaining Aramaic copies of the New Testament.
I also have a How to learn Greek for Dummies textbook from 1846.
The barns back on the east coast are loaded with all kinds of stuff...
I may have a copy of "1491", but have never recommended it. :')
Is that guy the original owner? ;^)
I still have my old geometry book from 7th grade I think. It's brand new, never even opened........
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text:
It's six degrees of incarceration.
A bone-headed thief who allegedly botched a bank robbery attempt in Bay Ridge on Sept. 29 was arrested later that day, but not for that particular hold up.
Instead, suspect Laurence Kearns, 45, was taken into custody for stealing a car a half mile from the bank he tried to rob, said police, who ultimately connected him to the bank robbery at the 68th Precinct station house.
"It was kind of funny," said one police source. "We nabbed him for the bank robbery as he stood in front of the sergeant's desk."
Kearns, who already had nine arrests under his belt before his Wednesday marathon run-in with the law, walked into the Chase Bank at the corner of Fifth Avenue and 75th Street at 5 pm. Wearing a reflective vest and fisherman's cap, everyone took notice as he passed a threatening note to a teller, but got nervous and fled before any money was handed over.
Detectives were pulling security camera footage of the heist when cops were alerted to a second incident, this time at a Gulf station near the corner of 67th Street and Fourth Avenue. A motorist claimed someone made off with his 2004 Cadillac Escalade as he ordered gas from inside the Gulf's convenience store.
The SUV was unlocked and running at the time, police were told.
Cops spotted the vehicle in nearby Sunset Park, and when they pulled it over, Kearns was behind the wheel.
Kearns was taken to the 68th Precinct station house for processing, but, as luck would have it, his past crime, just a few hours old, came back to haunt him: A detective working the bank robbery walked by the sergeant's desk as cops cataloged Kearns' belongings and quickly made the connection.
"The detective had the surveillance photo from the bank robbery in his hands," the source said. "He had to do a double-take. [Kearns] was still wearing the cap and the reflective vest."
Police immediately charged him with both the bank robbery and the car theft. Later, investigators linked and charged Kearns to a second bank robbery — a Capital One Bank in Sunset Park, officials said.
Kearns had not been arraigned by late Friday. Attempts to reach his attorney were unsuccessful.
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text:
Show transcribed image text
Show transcribed image text Assume that the diodes can be represented bv a piecewise-linear model with VD0 = 0.6V and rD = 20 ohm. Assuming the specified zener voltage (8.2 V) is measured at a current of 10 mA and that rz = 20 ohm, represent the zener by a piecewise-linear model. Sketch the transfer characteristic of the circuit for -25 V v1 +25 V and find the following: The liimiter thresholds are +- 9.2. I know how to find Vo if my VI is in the limits, but since VI = 5 V, it's not >9.2 or <-9.2. What do I do?


text:
MONTGOMERY, Ala. (AP) - Gov. Bob Riley said Wednesday that more education cuts are likely in the coming school year as the economy continues to founder.
He says a lot is in the air, but if the economy doesn't improve significantly or if there is not a change in what the state is obligated to pay for health care and pensions, reductions are inevitable for next fiscal year.
Legislative budget chairmen Rep. Richard Lindsey and Sen. Hank Sanders agree that short of a miraculous fiscal recovery, public schools will again be facing a funding shortfall in the budget year that starts Oct. 1.
Trust fund tax collections from October through last month were $387.6 million, 8.7 percent less than the same period a year ago.
(Copyright 2009 by The Associated Press. All Rights Reserved.)


text:
Chilled Shot Machine
Wine and beer connoisseurs get all the prestige, but the lowly shot drinker has usually been thought of as uncouth. The Chilled Shot Machine elevates the shot to a new level with its sophisticated fill-and-pour system, which eliminates spills and keeps the alcohol at a prime 15 degrees. Simply attach the bottle of your choice and look forward to not remembering anything that happens afterward. About $149, Home Chill Shot


text:
Hi all,
I'm planning to run the LI marathon in May & just wondering if anyone else here is also preparing for it or has run it before... I would love to hear from you!
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.


text:
LOUISVILLE, Ky. (AP) - A federal judge has awarded attorneys'
fees to plaintiffs who successfully sued to remove a Ten
Commandments display at a county courthouse.
Judge Joseph McKinley awarded more than $44,000 in attorney fees
to Raymond Harper, Ed Meredith and the American Civil Liberties
Union of Kentucky.
No public money was used to set up the "Foundations of American
Law and Government" display in a county courthouse about 75 miles
from Louisville.
But Harper and Meredith sued in 2001, claiming the intent of displaying the Ten Commandments in a public building was religious and violated the Constitution.
In March, Judge McKinley granted a permanent injunction against including the commandments in the display.
(Copyright 2008 by The Associated Press. All Rights Reserved.)


text:
A collision between a train and a minivan left the driver dead and investigators trying to figure out how it all happened.
Images: Minivan driver killed in crash with train
Investigators trying to figure out why it happenedUPDATED 1:11 PM EDT Mar 30, 2012
Slideshow Central
CommentsThe views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


text:
sketch for the night. Just trying some new things. About 2 hours graphite on bristol. Pretty big size. I would say about 7 x 7. Found ref on Pinterest I believe.
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I want to create backups from my save files for Kingdoms of Amalur: Reckoning.
But I can't find them! Where are they?
I want to create backups from my save files for Kingdoms of Amalur: Reckoning.
But I can't find them! Where are they?
This is a Steam Cloud enabled game so all your game saves are synched to the Steam Cloud so you can log in with them where ever you are.
However, your settings files and game saves will find their way into the folder:
I can verify that I have seen game saves in that folder in the past, but it may only be used in the event Steam Cloud is not accessible or you are playing in offline mode. Otherwise, all your games saves are managed by the Steam Cloud.
They are stored in your documents folder in the path:
Do a full search in your hard drive looking for the folder
This is the steamId of the game. Your saves will be inside this folder.
P.S.: (In Windows8, open Windows Explorer and use its search)
Thank you for your interest in this question.
Because it has attracted low-quality or spam answers that had to be removed, posting an answer now requires 10 reputation on this site (the association bonus does not count).
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