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Things to Do in Commack
Things to Do Deals
Fitness 4 You Inc.
60-minute full-body workouts include stretching, aerobics, weight training, and toning exercises
Riebe's Artist Materials
- Melville
Easels, canvases, and paints from brands including Golden Artist Colors, Inc. and Liquitex equip artists to work in wide range of media
Recommended Things to Do by Groupon Customers
Rising fog, flashing lights, and thumping techno beats set the scene for the laser-tag battles that unfold between stealthy bands of warriors beneath Laser Kingdom's black lights. Players suit up in specialized vests, clutching light-emitting weaponry as they enter the field where an overhead scoreboard tracks team scores and the game's best squeals of surprise when taken out by a well-hidden opponent. Afterward, patrons receive handouts that break down their individual performance that they can pore over to strategize for the next round or ditch in favor of playing one of the onsite arcade games.
Pool players of all ages and skill levels can find all the right angles at VIP Billiards' 20 pool tables seven days a week. When not sinking shots into the spot's 120 pockets, cue hands keep busy with bottles of beer or a cocktail from the full-service bar, and all patrons can pass the time between games by throwing darts, sending ping-pong balls careening across tables, or using the WiFi to look up pro tips for applying chalk. VIP Billiards also opens up its space and all the attendant green felt surfaces for private parties, fundraisers, and APA league teams.
The squeals of tires and the cracks of bats reverberate across the grounds of Selden Batting & Grand Prix as fun-seeking guests get their blood pumping. Big kids and adults buckle up in gas-powered Grand Prix carts, whereas kids at least 50 inches tall get behind the wheel of Rookie Karts and those too tiny to drive slip into a double-seater next to Mom or Dad. After a victory lap, groups don helmets at the batting cages to swing at baseballs, softballs, and floating Faberge eggs. Inside the arcade, hands slam pucks at air hockey and shoo away impulsive jazz hands at Dance Dance Revolution, as redemption games challenge gamers to win prizes.
Selden's ice-cream stand, meanwhile, overflows with more than 85 flavors, as well as rainbow italian ices, chocolate sundaes, and soft serve. Guests celebrating a birthday can make a reservation for an ice-cream-sundae party or other themed event at Selden, replete with games, go-kart rides, pizza, and sundaes.


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The premier source of news and information in Central Massachusetts.
In print, online, mobile, and video.
WICN introduces a new monthly live program, Live Jazz New England.
Join pianist Pamela Hines and her special guest musician or band for an hour-long broadcast from WICN's Performance Studio. She'll highlight many of New England's finest jazz musicians as well as major national talent. The show airs at 2pm on the last Wednesday of each month.
Amanda Carr is the guest on June 26th at 2pm. She will be with her all girl jazz group, "Les Femmes" featuring Yvonne Monnett on piano and Genevieve Rose on upright bass.
For more on Amanda: http://www.amandacarr.com/
Past Guests:
May 29 - Jazz Trane More About JOMP
April 24 - Dan Gabel More About Dan
March 27 - Jim Porcella More About Jim
February 27 - Jeff Galindo More About Jeff
January 30 - Dick Odgren More About Dick
November 28 - Jerry Sabatini More About Jerry
October 31 - Grace Kelly More About Grace
This is a great idea! There is so much great music in and around New England, so glad that this show will highlight it!
This is why WICN is a GREAT radio station!!
Thanks for being a suporter of Live Local Jazz!
A jazz star in her own right, Pamela Hines is to be lauded for her willingness to highlight other jazz performers, particularly local talent. This could be a showcase for local newcomers to gain some exposure. Just some food for thought.
Buddy White (Singer of Love Songs)
....thanks for the memories Emil...the El Morocco was the greatest venue "once upon a time" to see you & the gang perform...Good Times!
Please pledge now and give what you can afford – for the value you find in WICN.
YOU really do make everything you hear possible on this station. Pledge Now!
Call 508-752-0700 right now or contribute online! CLICK HERE to take a look at our thank-you gifts.
The premier source of news and information in Central Massachusetts.
In print, online, mobile, and video.

subset: commoncrawl


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MMIS Replacement Project
Click to Enter the Procurement Library
To view the contents of the procurement library you must have a user ID and password. To obtain the user ID and password please do the following: 1. Submit your agencies Letter of Intent as defined in the request for proposal found on BidSync under bid number PR 13001. 2. Complete and fax the Library Access Form to (801) 323-1567. 3. Click on the "Enter the Procurement Library" link above. 4. You should be redirected the login in site. 5. Please select the "Register Here" link under "Don't have a Utah-ID". 6. Complete the account information and enter the same email address that you included in the Letter of Intent. 7. Follow the account verification instructions to verify the account. 8. Once we have received your Letter of Intent, completed Library Access Form, and user account registration, an email will be sent with the login instructions.
If you have any questions or problems logging in, please contact Jason Stewart at (801) 538-9144 or firstname.lastname@example.com.
All primary Vendors who intend to submit a proposal must submit a mandatory Letter of Intent to Submit Proposal. This mandatory letter must be received by the Division of Purchasing at the location described in the RFP. Failure to submit the Letter of Intent will disqualify Vendors from submitting a proposal as the Primary Vendor.
Last edited February 1, 2012


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While MacM's thread asking about length contraction was closed until he decides to resume discussion, it did seem to bring up other interesting questions. In particular it appears to me that not all "mainstream proponents" (for lack of a better word) have the same concept of length contraction. I would like to explore this in more depth.
I was taught in high school that a moving object is contracted in the direction of motion, and that this has been proven experimentally. However, a couple posts (1, 2) suggest mainstream physics does not believe this anymore. In fairness, both posts are from the same user, so this may just be a misunderstanding. But none of the other mainstream posters commented on this or corrected this, which makes me wonder what is going on.
So in summary, the topic of discussion here is:
Does mainstream physics still believe that a moving object is contracted in the direction of motion, and that this has been proven experimentally?
Your comments are much appreciated.


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Brad's Beat: Bacon Shortage
By: Brad Douglas
Updated: September 27, 2012
"Yeah, that sure is, I don't know how many pigs to make that much. It sure is a lot of pigs," states Balazi.
When he got word of a bacon shortage and prices potentially going up, it hit him hard. Because that means he may have to raise his prices.
"I think so, I'll keep it as low as I can. Sometimes it's hard," states Balazi.
The summer drought is affecting the food used to feed pigs and also the demand for bacon is up, because people want bacon on everything theses days.
"Some of them do margaritas on the Food Network," says Balazi.
Charmain McCrary is a waitress at Norma's Kitchen and she takes bacon orders all day.
"I smell like bacon when I get home," states McCrary.
She says if people can't get their bacon, they'll take it out on her.
"Satisfying the customers is the most important thing. If we don't have what they won't even through it's not our fault. But people take it out on the waitresses," says McCrary.
Now in this sea of men, you would think I could find a big bacon fan, but it's Sonya Dawson who loves bacon the most.
"Every morning I always fix bacon and scrambled eggs," states Dawson.
What will happen if she can't get her bacon?
"I guess I gotta go buy a pig and slaughter a pig myself. Make some bacon," says Dawson.


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Rock royalty Zoë Kravitz has been tapped to appear in the fall 2010 ad campaign for Alexander Wang's diffusion line T Collection. Good work, Zoë!
I love Zoë Kravitz! She is too cool :) This photo is so lovely
Get it Zoe! And yes she does look just like Denise, I mean Lisa Bonet ;)
love her, love her. and she does take after her good looking parents.
[...] Another bonus: Mr. Wang is a champion of diversity in a sometimes whitewashed landscape. From casting Zoe Kravitz in his T campaigns in the past to outfitting and escorting Azealia Banks to the Met Gala, Alexander is cutting edge, [...]
RSS feed for comments on this post. TrackBack URL


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New Tribe got its start when we wanted comfortable, lightweight saddles for adventure tree climbing.
There was nothing like that on the market back in 1984, so the first New Tribe saddles were born.
Working arborists and forest research scientists have most of the same needs that adventure climbers do.
Our products have been a boon to climbers in all three groups, and we've made many good friends.
Every tree climber is important to us. Our purpose is to provide the highest quality
tree climbing gear, to assist you to choose yours and use it safely, and to conduct our business with integrity.


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2coolbob (5th June 2012)
I'm getin 180 marks(obc ctgry) in eee 2012..do i hv chnc of getin ny decnt brnc at nitt
@Pwn.brnwal you can get any branch except cs or ec by the 4th round as per last years cutoff
Thnx...bt cn u suggest me wat shld i prfr..It at iiit allahabad,it at jadavpur,cs at nit calicut or mech. at nit trichy...i'm bit confusd
Dear mam, I'm from Goa and would like to join NIT-Trichy, for Mechanical Engineering branch. My Aieee 2012 score is 168 , Are there any chances ? If not, which other branch (at NIT -Trichy ) can i get ? I belong to general category.
Last edited by sujoyf; 4th June 2012 at 06:18 PM.
Hey I Have Written An Online AIEEE Exam And I may Get Around 160-180 Can I Have Chance In Getting A Seat In NIT SURATKAL
And What Is The Rank To Get Seat In CSE Branch
hi iam from sc category expecting 134 in aieee 2012 do i have a chance to get eee or ece in nitw,nitt,nitk and which nit is best for eee and ece pls reply
Hello,I'm getting 96 in AIEEE. I belong to ST category. Do I have any chance to get into the NITs?
@sujoyf It seems quite difficult in your case, as per last years cutoff
---------- Post added at 04:14 PM ---------- Previous post was at 04:10 PM ----------
@M.Machine you can get some NITs like NIT Arunachal Pradesh etc so wait for the counseling
all the best....
---------- Post added at 04:14 PM ---------- Previous post was at 04:14 PM ----------
@tayganesh you have a fair chance
thanks for last reply
what will be my rank in aieee after scoring 134 and which nit is best for eee or ece
can someone inform me about the power-cuts out there in trichy ? i'm really scared to live power-less..lol ....thanx in advance
Shubham hans raj (7th June 2012)
ma'am does home state candidates are considered in al india quata for same state of thier elligibility


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Brookdale Senior Living Inc. has established this Website as a service to you for your personal information, education, and communication. Please browse through all of our Website to locate information of interest to you.
Unless specifically noted otherwise, all content of this Website is the property of Brookdale Senior Living Inc. and is protected under copyright laws. You may view, copy, print, download, and use content from our Website solely for your personal, noncommercial use and provided that you keep intact all copyright and other proprietary notices. However, you may not use, modify, transmit, republish, upload, or distribute in any way the content of our Website for public or commercial purposes, including the text, images, and graphics, without the written permission of Brookdale Senior Living Inc..
While Brookdale Senior Living Inc. uses reasonable efforts to include accurate and up-to-date information in this Website, Brookdale Senior Living Inc. makes no warranties or representations as to the accuracy or completeness of this Website's information. Brookdale Senior Living Inc. shall not be liable for any damages or injury (including, but not limited to, any special, indirect, incidental, or consequential damages) resulting from your reliance on any information provided in this Website. By using this Website, you assume the risk that its material and information may be incomplete, inaccurate, out of date, or may not meet your needs and requirements. In addition, Brookdale Senior Living Inc. assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this Website, or your downloading of any material, text, or graphics from or through this Website.
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firstson001's bookmarks
Micheal Emmanuel's quote collection
I'm male, single from the United States and made my book on 25th June 2007.
Short profile
Student of International Studies
Full info
My name is Micheal Onu Emmanuel. I live in Maryland in USA. I am male and single.A Nigerian from the West African region, in African continent.My ambition is to becoming a leader in my country and in the world. To let hope alive,to eliminate the fever of fear in the area of economic, international politics, of all diseases, eliminate perpetual poverty and hunger ravaging African Continent and beyond.


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October 31, 2012
Represents 100% of the state-requested funds — $10 million from New York, $3 million from Rhode Island and $4 million from North Carolina. Requests from these states are the first to arrive at the U.S. DOT and represent the first installment of federal-aid highway funds to help repair roads, bridges and tunnels in these two states.
Join the Metro E-Newsletters and receive the latest news in your e-mail inbox once a week. SIGN UP NOW!
View the latest eNews Express Tuesday | Express Thursday | University Transit
Hazard Analysis: The Practice of Using Cell Phones While Operating a Transit Vehicle Examining system safety principles, available information in the public domain, recent transit incidents and policies.
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The full contents of Metro Magazine on your computer! The digital edition is an exact replica of the print magazine with enhanced search, multimedia and hyperlink features. View the current issue


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Thank you!!!
This year, 765 riders registered for the 22 miles bike ride - 692 finished. Thank you to all who helped make ReidRide another success - riders, volunteers, sponsors, first responders (police, fire, and EMS) and the highway department.
Because of your support the Reid "Shoes for Kids" program will provide over 2,500 pairs of shoes to area youth!
View over 500 pictures that recap the day (thanks to Jeff Bond Photography and Susanna Tanner Photography).
Share your thoughts by taking the ReidRide 2012 survey...we care about your opinion. (only 10 questions...it takes 5 minutes!)
SAVE THE DATE for the next ReidRide...JULY 20, 2013!!!


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Register to receive email news alerts, daily digest, weekly roundup or Topic newsletters.
This table shows the regional priorities relevant to the region you have selected.
Each regional priority has a unique code (column one) which will help you to identify your selected priorities when completing your Statement of Intent/Proposal.
The detailed description (column two) has been provided to help you understand the implications and outcomes being sought by each priority.
The package numbers (column three) will help you to cross reference those relevant packages to the regional priority you have selected, with the full list of packages detailed on the right hand side of the page.
Regional Priority Code
Thriving Rural Communities Priorities
Relevant Packages
Improved viability and well being of Scotland's rural communities, by:
the provision of access to high quality socially, environmentally and economically sustainable community buildings (such as multi-use community centres), and facilities (i.e. sport and leisure):
Helping communities address local community service needs. Particularly proposals that:
Sustainable, resilient rural communities, which are empowered and encouraged to take a positive role in influencing issues affecting them and their communities, through improving skills, knowledge and capacity and supporting other community led initiatives:
Page updated: Monday, July 06, 2009


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Incident at Wisconsin terminal spills 2,500 barrels of crude oil
Jan 27, 2003 12:00 PM
About 2,500 barrels (100,000 gallons) of crude oil leaked from underground piping at Enbridge Energy's terminal in Superior WI Friday, January 24. At least 450 barrels of the product spilled into the Nemadji River nearby, according to Enbridge information.
The incident occurred as oil was moved from a pipeline into a storage tank, said Mark Sitek, Superior region general manager.
The incident was reported to the Coast Guard's National Response Center, which notified other federal and state response agencies, including the federal Office of Pipeline Safety. Additionally, the Coast Guard Marine Safety Office in Duluth MN immediately activated the unit's incident command system and dispatched pollution investigators to the leak site.
The majority of the oil was contained within the terminal ditching and retention pond system, according to Enbridge information.


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Chegg does not guarantee CDs, access codes, or lab manuals with this book.
PUBLISHER: McGraw-Hill/Irwin
AUTHORS: William G Nickels, William Nickels, James McHugh, James M McHugh, Susan M McHugh, Susan McHugh
Understanding Business: Part 1 Business Trends: Cultivating a Business in Diverse, Global EnvironmentsChapter 1: Managing within the Dynamic Business Environment: Taking Risks and Making ProfitsChapter 2: How Economics Affects Business: The Creation and Distribution... Show more»
Rent Understanding Business 8th Edition today, or search our site for other Nickels textbooks. All of our textbooks come with a 21 day Satisfaction Guarantee, 14 days for eTextbooks.


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OKLAHOMA CITY (AP) — Overall collections by the state treasury dipped in August when compared to the same month a year ago, mainly because of a dramatic drop in revenue from oil and gas production, Oklahoma Treasurer Ken Miller said Thursday.
Figures show that, for the third time in the last six months, collections fell below those of the prior year.
"As with the two prior negative months, markedly lower gross production tax collections are the primary cause," Miller said.
Overall collections for August totaled nearly $820 million, a decline of 2.8 percent from August 2011. The most notable drop was a nearly 54 percent decline in oil and gas production revenue compared to the same month last year — from $101 million in August 2011 to $47 million last month.
But Miller said that dip is being offset in part by gains in other revenue categories, including a 10.4 percent increase in sales tax collections and a 7.4 percent increase in motor vehicle taxes.
"For 10 of the past 12 months, we've seen the drop-off in gross production collections accelerate while sales and income collections have kept growing," he said. "But because of the large impact of the energy industry on the state economy, it's important to keep an eye out for spillover effects that may be attributable to weakness in oil and gas collections."
Miller also noted that his figures on oil and gas revenue reflect a three-month lag time from production. Since then, the average price of West Texas Crude at Cushing has increased by about $10 per barrel, while the average price of natural gas has remained relatively flat. He said a shift in production of many wells from natural gas to oil could help stabilize that revenue source.
"There's concern, but as the transition from natural gas to oil continues to take place and oil being relatively healthy and us having a few months' drag on collections, that seems to show me that things are going to rebound and continue that positive trajectory that we see in our other revenue categories," Miller said.


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This item takes up to 7 business days to ship
Give your hair a touch of rustic elegance with a unique hair stick designed with a clever twist ending into an accentuated carved cane design. This is perfect for ladies who prefer a less aureate and pragmatic look for casual occasions. This is surprisingly practical to use and a nice must-have for your everyday affairs. It is strong enough to secure your hair into a classic bun or a weave of pony tails and braids. For an easy way to add variant to your usual hair style, this boxwood hair stick is your best choice to achieving that look. Measurement: Total length: 6.5"; head part: 1" by 1.75"; thickness: 8mm at its thickest, 5-6mm at the middle of the stick Material: boxwood
Brand: Crystalmood
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Egypt votes for Mubarak successor
16/06/2012 - 08:46:19Egyptians were voting today in the country's landmark presidential runoff, choosing between Hosni Mubarak's ex-prime minister and an Islamist candidate from the Muslim Brotherhood after a race that has deeply polarised the nation.
The two-day balloting will produce Egypt's first president since a popular uprising last year ousted Mubarak, who is now serving a life sentence.
The runoff pits Ahmed Shafiq, who was a career air force officer like Mubarak, against Mohammed Morsi, a US-trained engineer. The winner will be only the fifth president since the monarchy was overthrown nearly 60 years ago.
Shafiq is viewed as an extension of Mubarak's authoritarian regime while Morsi has raised fears of more religion in government and restricted freedoms if he wins.
The election is supposed to be the last stop in a turbulent transition overseen by the military generals who took over from Mubarak. But the issue of whether they will genuinely surrender power by July 1 as they promised has come under question since the military-backed government this week gave military police and intelligence agents the right to arrest civilians for a host of suspected crimes - a move that was widely interpreted as a de facto declaration of martial law.
On Thursday, judges appointed by the former president before he was toppled dissolved the Islamist-dominated parliament and ruled that Shafiq could stay in the race despite legislation barring Mubarak regime figures from running for office.
"The revolution was stolen from us," merchant Nabil Abdel-Fatah said as he waited in line outside a polling centre in Cairo's working-class district of Imbaba. He said he planned to vote for Shafiq. "We can easily get rid of him if we want to, but not the Brotherhood, which will cling to power."
Brotherhood supporter Amin Sayed said he had planned to boycott the vote, but changed his mind after the rulings this week of the Supreme Constitutional Court.
"I came to vote for the Brotherhood and the revolution and to spite the military council," he said outside the same polling centre in Imbaba, a stronghold of Islamists. "If Shafiq wins, we will return to the streets."
more stories like this:


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- About ADB
- News & Events
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Countries with Operations
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Evaluation Resources
Results 1-10 of 10 for Special Evaluation Studies Capacity development
April 2006
This special evaluation study assessed the success and impact of past and ongoing capacity development activities, identified generic lessons from past experiences, and provided some guidance on the design of future capacity development support.
April 2005
The study investigated the effects of project implementation units on implementation efficiency and capacity development, and examined ways of simultaneously improving implementation efficiency and project management capacity.
July 2004
This special evaluation study aimed to determine the major causes of cost underruns and overruns of ADB projects, assess the contribution of each major factor to cost variations and recommend ways to improve the reliability of cost estimates.
June 2004
This special evaluation study assesses the effectiveness of different capacity development approaches to identify factors that influenced the outcome of assistance and recommend improvements for future operations.
March 2000
This special evaluation study was designed to analyze which aspects of the public expenditure management cycle ADB's technical assistance addresses and which approaches it uses for building capacities.
December 1997
This special evaluation study was designed to evaluate the contribution of fellowships to the institutional development goals of ADB financed education projects in Indonesia.
December 1996
This special evaluation study evaluates selected ADB-financed advisory and operational technical assistance in Indonesia as of end-1995.
November 1996
This special evaluation study assesses the effectiveness and impact of the ADB's technical assistance for institutional strengthening in selected developing member countries.
December 1995
This special evaluation study assesses the effectiveness and impact of ADB's program of capacity building in Western Samoa, undertaken with a view to improving the effectiveness of ADB assistance in the future.
December 1995
This special evaluation study evaluates the effectiveness of ten advisory technical assistance (TA) projects provided by the ADB to the Government of Nepal for capacity building in the social sector.


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Fire Ron Borges, the Broadsheet Bully
Cold, Hard Football Facts for Jan 11, 2006
By Kerry J. Byrne, publisher, ColdHardFootballFacts.com, and Bruce Allen, publisher, BostonSportsMedia.com
They're already chiseling a Ron Borges bust and reserving a special place of dishonor for it in the Hack Hall of Fame.
BostonSportsMedia.com and ColdHardFootballFacts.com have teamed up today to waive the five-year waiting period and expedite his induction – and we're asking for your help. All you have to do is e-mail Boston Globe management and other concerned parties and demand that Borges be fired. You can even use our pre-written "Fire Ron Borges" e-mail text.
His crime? Serial hackery below and beyond the call of duty (this link contains the full Borges story).
E-mail addresses are found here, with a list below. We even have a pre-made e-mail text for you to copy and paste. You can also read about his continuing assault on journalistic ethics here. The short version appears below, along with our appeal for justice to be served.
Ron Borges, the Broadsheet Bully, is a sports writer who holds a unique position of power. He's the top football writer for the largest print and online medium in New England and one of the most powerful in the nation, the Boston Globe (www.boston.com). He also contributes to national Web sites such as MSNBC.com. When Borges writes about football, his copy is read by hundreds of thousands of people around the country. He has the power to make and break reputations, ruin careers and heap praise or scorn upon those with whom he finds personal favor or disfavor.
And for years, Borges has abused this power. From his broadsheet bully pulpit of pigskin he has
- Sullied the reputation of the Boston Globe by failing to uphold its hard-earned reputation for award-winning and ethical journalism
- Made a mockery of his own reputation by openly and factlessly expressing disdain for the dominant franchise in football, the New England Patriots
- Made it his personal mission to publicly attack the team's record-setting coach, Bill Belichick
- Insulted the team's fans, referring to them as "drunks" and "idiots"
- Shown a stunning inability to comprehend the basics of football and pro football management
- Been proven incorrect about virtually everything he writes about yet has failed to acknowledge his very public and irrefutable errors
- Displayed a lack of basic journalistic integrity
- Failed to show the objectivity about the subjects he covers that all news consumers have the right to expect, and should demand, from reporters
- Made culturally insensitive comments
- Become a laughingstock who no longer has any credibility in the eyes of football fans in the Boston area and around the country
- Allegedly attacked with physical force an old, fat, crippled journalist at a media event, an act consistent with his bullying style of sports "reporting"
As if this inglorious history was not enough, Borges finally crossed the line last Friday (Jan. 6) on ESPN Radio Boston when he admitted that he personally dislikes Belichick. The public had long assumed that Borges had a personal vendetta against Belichick. And finally he admitted it.
But that wasn't all. Borges then touched on the source of his contempt: He alleged personal and/or professional improprieties by the coach – acts and information that apparently only Borges is privy to – without supporting his assertions.
Does Belichick kick dogs, burn crosses in a white sheet or plot acts of bio-terrorism? Who knows? Borges did not say. All we know is that Belichick commits acts so dastardly and atrocious that the Broadsheet Bully feels compelled to devote his life to destroying the coach's reputation.
Sorry Borges. That doesn't cut it anymore. Football fans are sick of your tired, old act. They now demand that the Boston Globe take action.
After years of listening to the Broadsheet Bully beat up on his subjects and insult his readers – after years of watching Borges tie a noose around his very own reputation while being habitually and comically inaccurate – football fans have had enough. It's time for his employer, the Boston Globe, to fire Ron Borges for incompetence – if only to save its own reputation, which is also taking a beating as Borges continues to bludgeon basic standards of journalism in an attempt to serve a personal agenda and vendetta.
It's for this reason that BostonSportsMedia.com and ColdHardFootballFacts.com have teamed up today to call for the Boston Globe to fire Ron Borges. Firing Borges is the responsible thing to do.
We're asking you, our global communities of sports-loving readers, to write to Boston Globe management and demand that Borges be fired or, at the very least, removed from covering football and placed in a position where he can no longer corrupt the minds of innocent young football fans.
Simply write to one or all of the following Boston Globe editors, writers or executives, or other sports interests, and demand that Borges be removed from his post. Some suggested text to copy and paste into to your e-mail can be found here.
Click here to write an e-mail to all of the following parties:
- Richard Gilman, publisher, Boston Globe firstname.lastname@example.com
- Richard Daniels, president, Boston Globe firstname.lastname@example.com
- Alfred Larkin, human resources director, Boston Globe email@example.com
- Joe Sullivan, sports editor, Boston Globe email@example.com
- Reid Laymance, sports editor, Boston Globe email@example.com
- Gregory Lee, sports editor, Boston Globe, email@example.com
- Richard Chacon, ombudsman, Boston Globe firstname.lastname@example.com
- Dennis and Callahan, hosts, sports radio WEEI firstname.lastname@example.com
- Dale and Holley, hosts, sports radio WEEI email@example.com
- The Big Show, sports radio WEEI firstname.lastname@example.com
- The Drive, ESPN Radio Boston, firstname.lastname@example.com
- Mark Jurkowitz, media critic, Boston Phoenix email@example.com
- Kerry J. Byrne, publisher, ColdHardFootballFacts.com, email@example.com
- Bruce Allen, publisher, BostonSportsMedia.com, firstname.lastname@example.com
- Ron Borges, discredited hack, email@example.com
Read more: Cold Hard Football Facts, NFL
Forearm Shiver: the CHFF Blog
- Hockey Announcer Gone Wild: You Want To Party (Maybe) With This Guy
- Best Pass Defense Ever: Ronde Barber And The 2002 Tampa Bay Buccaneers
- Reese Witherspoon Arrest Video: Hot, Bothered And Handcuffed
- Sam Adams In A Can, Just In Time For Summer Drinking Season
- Live From Radio City: Reporter Punks NFL Draft Fans
Quick Outs
- The 5.0 Club: Best Rushing Teams in NFL History
- Sieves: The Worst Run Defenses In NFL History
- Monsters of the Midway: We Need The Chicago Bears More Than Ever
- Boston, Sports, Patriotism And Terror
- The 100 Stingiest Defenses In Football History
- NFL Crown Rule: Will It Dethrone Rushing King Adrian Peterson?
- Year Of The Offensive Tackle: Not Always The 'Safe' Draft Bet
- Draft Habits: NFL Teams Covet LBs, Duped By False Temptress WRs
- Big Tease: 2012 New England Patriots And NFL's History Of Offensive Failures
- Epic Fail: The Wide Receiver Draft Class Of 2012
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Pattern Info
Category: Crocheting
Type of item: Home Decor
For: Home
Style: Traditional, Retro / Vintage
Various Scraps of LB Vanna's Choice, 6mm (J10 hook)
What was your inspiration?
I needed a project to use my scrap yarn from various afghans and scarves I have made.
What advice would you give someone starting this project?
Sew in your ends as you go! The worst is getting to the end of the project and you have hundreds of ends to sew in.


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According to experts, those with a family history of breast cancer should begin mammograms 10 years younger than the age their youngest relative was when diagnosed with breast cancer (or at age 40 — which ever comes first). But is that enough?
The MUSC High Risk Breast Evaluation Program provides a specialized clinic for people at increased risk for developing breast cancer. Patients . . . → Read More: MUSC's High Risk Breast Evaluation Program Offers Hope


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Without a doubt the coolest thing in all of Tokyo.
There are two rival Rockabillie gangs – the Lebels and the Strangers. They set up every Sunday on the edge of the park with their own boomboxes and they dance. That's it – they just dance. They aren't very good, but their energy and commitment is beyond reproach. The rival gangs don't talk to each other, and they have very different aesthetics while remaining within the Rockabilly sensibility. Oh, and by the way, if anyone in the audience tries to dance along with them, at least 1-2 of the gang members will stop dancing, and walk over to the perpetrator and get right in their face and start yelling at them and bumping chests – there will be no mocking or funny business with these guys. All business.


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Le Sedici Villette
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Consultation Responses
A significant part of our output, largely hidden from view, is our submissions to Government or international bodies' consultations. A selection of these submissions can be found below.
Displaying results 1-10 of 103
NSS Response to Girlguides Promise Consultation
Fri, 01 Mar 2013
NSS Response to Scouts Consultation on Fundamentals
Thu, 31 Jan 2013
NSS Response to BBC Review of 'Breadth of Opinion'
Tue, 20 Nov 2012
NSS Response to Defra Consultation October 2012
Wed, 24 Oct 2012
NSS response to Scottish Government Consultation on a Proposed Children and Young People Bill
Mon, 22 Oct 2012
NSS response to the consultation on The National Framework for Child Protection, Learning and Development in Scotland
Thu, 12 Jul 2012
Formal critique of the Church of England's submission Home Office Equal Marriage Consultation
Mon, 25 Jun 2012
NSS Response to Government consultation on the removal of the word 'insulting' from Section 5 of the Public Order Act
Fri, 13 Jan 2012
NSS response to the government consultation on a proposed Bill of Rights
Wed, 07 Dec 2011
NSS Response to Review of Personal, Social, Health and Economics (PSHE) Education
Wed, 07 Dec 2011
Displaying results 1-10 of 103


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Make your way to FedEx Forum and watch the Grizzlies claw their way towards the postseason on the shoulders of stars like Marc Gasol, Zach Randolph, and Mike Conley. As one of the up-and-coming teams in the league, this is a squad you'll check out in person.
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Experience the pandemonium of every alley-oop dunk and buzzer-beating shot with a purchase of Grizzlies tickets Vivid Seats. The Memphis team's imposing post play and deadly three-point shooting will make the Grizzlies tough to beat this season in the West. Put your name on seats for any home contest on the 2013-2014 Grizzlies schedule. Whether it's a grudge match against a Southwest Division foe or one of the league's elite teams, you will find a great value on seats to any game at the FedEx Forum. If the team proves to be a contender for the Larry O'Brien Championship Trophy, we also offer a wide selection of Grizzlies playoff tickets.
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Memphis' only major sports team did not disappoint fans in the River City this year, having clinched a spot in the NBA Playoffs 2013. Unable to best their Western Conference rivals for home-court advantage, the fifth-seeded Grizzlies will travel to the Staples Center on April 21 to face the Los Angeles Clippers to open first-round play.
Personnel-wise, the Grizzlies experienced a mid-season shakeup (primarily due to new majority owner Robert Pera's financial concerns about player salaries) as the franchise traded long-time small forward Rudy Gay and backup center Hamed Haddadi for small forwards Tayshaun Prince and Austin Daye, along with center Ed Davis and a 2nd-round draft pick for the coming year. Though the trade garnered plenty of skepticism for the loss of Gay's scoring prowess, the Grizzlies roster has statistically improved as a whole with scoring since the trade—a good omen for the upcoming postseason. Under the leadership of head coach Lionel Hollins, who was named the Western Conference Coach of the Month twice this season, the squad set a new team record for most wins in a season with 56, the highest mark since totaling 50 during the 2003-04 campaign. Heading into the postseason with high morale, along with the skills of veterans Marc Gasol and Mike Conley, will prove invaluable for the roster.
After two games in L.A., the Grizzlies will return to Memphis on April 25 for the third and fourth games in the first round. Be sure to join the roaring crowds at FedEx Forum in support of the postseason efforts with Grizzlies playoff tickets on sale now at Vivid Seats.


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- Artists:
- The Dodos »
- Label:
- Wichita »
Listening to No Color, one thing can be ascertained for certain: The Dodos have a terrible sense of timing. Waiting until their fourth album to record their best, whose idea was that? Letting the hype subside and not abiding to the law of diminishing returns, good job all round guys. Maybe this is all part of some masterful middle-finger to the blogosphere demonstrating a band's finest work won't necessarily be contained within their first EP. Whatever, Meric Long and Logan Kroeber have well and truly erased the hiccup that was 2009's Time To Die, so plaudits are due.
No Color is instantly recognisable as a much bulkier affair than past efforts. Taking its cues from Nineties alt-rock, as opposed to the glistening folk showcased on second album Visiter, opener 'Black Night' tumbles and careers in frenetic fashion thanks to the giddy boom of a polyrhythmic beat. Some trembling tremolo sounds the alarm for a band galvanised and at once it is overwhelmingly clear this is a record that is unlikely to disappoint.
On their past output The Dodos had undergone some traumatic encounters with quality control. Visiter was utterly charming on the whole but with 14 tracks and a running time of 59 minutes, sagged at points under the gay naivety of its troubadour composers. In stark contrast, No Color counts a trim nine tracks to its name and, as such, shares the brisk, crispness of its monochrome album art.
'Going Under' and 'Good' may well be ambitious, six minute apiece successors to a thrusting introduction, yet they glide above the perils of over-indulgence by flitting between the sweet acoustic guild of lilting guitar and a more weighty swell of feedback. 'Companions' forms a hospitable breeding ground between the two, its flamenco musings bolstered by several coarse swoons of static.
If there's a word to be said against No Color, that word would be 'repetitive'. 'Hunting Season' chucks in some xylophone, 'Sleep' slinks in a tinkling of the ivories at the back of its mix and 'Don't Stop' boasts a raucous bout of harmonising. Still, these are all light garnishings on a pungent palette of Billy Corgan-esque riffs and zealous percussion with a bittersweet centre best showcased on 'When Will You Go'. In all fairness to The Dodos though, when you've spent four albums lumbering around hitting the nail on the head, the last thing you want to do is go chasing another ball of string.
So let's allow our Californian chums a moment to bask in the warm visage of praise for a LP well executed. It may have taken Long and Kroeber some time to crack the tough nut of a thoroughly radiant album but unlike their namesakes, The Dodos have only ripened with age.
- In Photos: The Dodos @ Melkweg, Amsterdam
- The Dodos - No Color
- When Artwork Goes Wrong: The 10 Worst Album Covers of the 00's
- Boris, Camera Obscura + more for Pavement curated ATP
- In Photos: End of the Road 2009
- Spotifriday #16 - This Week on DiS as a playlist
- This Week's Singles: 14/09/2009
- The Dodos - Time To Die
- Post a new comment on this articleNice review
Yes, it is a return to form. No.3, they just sounded tired. Here they're back to their vibrant, energetic selves.
I don't think it's THAT much better then Time To Die (which did have one or two great tracks)
and certainly absolutely nowhere near Visiter by any stretch. Still decent though.
Hasn't this been out for a couple of months now btw?


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SYNC Trailer
A Mountain Biking video by seanbabes - 387,369 views
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A film by Sean Anderson. Starring Chris Kovarik, Claire Buchar, Troy Brosnan, Josh Button, Mitch Delfs, Will Rischbieth, David Mcmillan, Holly Baarspul, Connor Fearon.
My First Full Length film. Covering the complete 2009/2010 Australian National Series in Downhill. Coming very soon to Pinkbike and Vimeo Free to View
A Sean Anderson Films Production
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Website Design
It's simple. We listen to you and your needs and give you what you ask for. At Inomni, we have a talented team of website designers and developers who work with our project managers to deliver a product that you were hoping for. We appreciate the fact that this is often new territory for our customers and that is why we take the time to make sure you are clear about all aspect of the website build process. We thrive on clear and open communication and are committed to making sure that we are easily accessible to you at every phase of development. We want to build a long-term relationship with our clients... therefore our primary goal is to make sure your website project ends in total satisfaction.
Our website design services include:
- Brochure / information type websites
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Search for any place in the USA:
Overview, People, Health, Economy, Housing, Rankings, Climate Crime, Comments, Transportation, Cost of Living, Religion, Voting
As of 2012, Lakeside (zip 85929)'s population is 8,496 people. Since 2000, it has had a population growth of 18.73 percent.
The median home cost in Lakeside (zip 85929) is $120,100. Home appreciation the last year has been 6.09 percent.
Compared to the rest of the country, Lakeside (zip 85929)'s cost of living is 5.70% Lower than the U.S. average.
Lakeside (zip 85929) public schools spend $3,595 per student. The average school expenditure in the U.S. is $5,691. There are about 16.8 students per teacher in Lakeside (zip 85929).
The unemployment rate in Lakeside (zip 85929) is 13.90 percent(U.S. avg. is 8.60%). Recent job growth is Negative. Lakeside (zip 85929) jobs have Decreased by 3.33 percent.
See Places Rated and Ranked Click Here
Average Commute time is 22 minutes. The National Average is 28 minutes.
Lakeside (zip 85929)'s Real Estate Market (click to see properties) • Newly Listed Homes • Most Expensive Listing • Million Dollar Houses • Homes from $750,001 to $1,000,000 • Homes from $500,001 to $750,000 • Homes from $250,000 to $500,000 • Homes under $250,000 • Median Priced Homes
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Want to win a $1000 Macy's Gift Card? Of course you do! Follow the steps below and you could be our big winner!
First, follow Macy's Official on Pinterest. Then, create your own fashion board – using at least one pin from our "Magic of Fall" board – and include the hashtag #macysfallstyle. And, that's it!
So what are you waiting for? Get on board today!
For details, visit macys.com/pinandwin
87th Macy's Thanksgiving Day Parade.
Posted by chitra89
Memorial Party, May 28,2013
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Around Town |
Get started with Cappex to compare the Nyack College weather with your hometown!
Create an account now!Bands, Sports, Clubs There's always something to do at Nyack, You will never say I'm Bored
» Read MoreWhen it was warm out I used to love walking into downtown and looking at the small shops or sitting at the ice cream shop or the Starbucks for a snack. NYC is the ideal place to go for fun. A train into the city is only about $16 so its not too bad for a day of fun. My favorite was to go to an improv club in Manhattan that was only $10 Friday nights. The Palisades mall is about 10 minutes away and has just about every store imaginable (except Wal-mart). There's bowling, ice skating, a movie theater, imax, and an obstacle course all in this one mall. One thing I can say about Nyack is the city was the ideal place for a college student to live.
» Read Morethere are so many different things to do around Nyack. Their are many sights to see within the village and being only a half an hour away from the city, you can go and see a Broadway play in a weekend's time. the perks of the college is how close it is to the Big Apple.
» Read MoreI am a part of many ministry teams, choirs, and small groups.
» Read MoreListening to the school's choirs and observing the cultural events on-campus are avenues of fun!!
» Read MoreExplore the town of Nyack. It is really a unique place. Take a walk downtown or catch a ride on the bus to the Palisades Center Mall if you're looking for fun off campus.
» Read MoreThere is a huge mall near by with a movie theater and plenty of things to do on campus.
» Read MoreNyack has clubs, sports teams and a diversity of activities that will ensure each student has the opportunity to engage beyond their current academic curriculum.
» Read MoreNyack has a strip of bars and clubs to keep yourself entertained during the weekend.
» Read MoreNyack is 5 minutes away from the 3rd largest mall in america
» Read More


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The Four Steps To The Epiphany Book Review – Put Aside Your Pride and Ego When Starting a Business
Do you know why nine out of ten startups fail? It is very simple: founders have an idea and they 'ASSUME' (read: ASS-U-ME – "asses are you and me as founders if we assume") that whatever they came up with will be profitable without seeking constant feedback from potential customers from the very beginning.
They lock themselves down in the war bunker and rush to develop their idea into software, product or business model and they burn through a lot of money and waste time unnecessarily without getting out and asking their potential customers first if they desperately need their miracle solution and if they would pay for it. Some say that startup founders do it this way because they don't know any better – I disagree, I think this happens because of pride and ego.
Many are full of pride and that is why they refuse to be humble and go find their future customer, his needs and pains first and then develop a profitable business model. They assume they have a profitable business model first and they build a business without checking if there is a demand for it.
This is a paradox: the fear of being told they are wrong stops many from doing the customer discovery work first. As a result the mistake becomes amplified and more painful down the road. Being wrong is the important part of the startup process: have an idea – go out and validate it by talking to customers – modify it until you make it work or trash it if you can't. You are in this to make money, not to be proven right or wrong – nobody cares about it but your ego.
There is no room for pride here, you have to be humble and admit if the assumptions were wrong and bend them until you find a problem with enough demand and provide a solution for it that makes a profit. Here are few (not all) of the reasons startups fail:
- Arrogance: we know there is a demand and we don't need anybody else to prove it. (as pointed out by a friend, this is true for things like a cure for cancer and perpetuum mobile)
- Fear of your idea being stolen: your idea is worthless – the execution is the key (inventions are an exception here). I can't prove it to you in one sentence here, Steve Blank did it a lot better in this excellent post: Someone Stole My Startup Idea.
Idea of customer development is not just a theoretical assumption, Steve Blank has been there, done that for twenty years and speaks from personal experience. His book "The Four Steps to the Epiphany" breaks the process of finding out if there is a demand for the startup idea down to every single detail and explains each step clearly – there is no room for unnesessary waste of time and money if you follow the steps outlined in the book.
The Four Steps to Epiphany is a very detailed and practical book that will help you to avoid many pitfalls when starting a business and it is worth a lot more than its price – this is a practical knowledge for life.
P.S. I recommend you read first Millionaire Fastlane book for general money management and startup advice.
"Get Rich Quick" – How to manage your money effectively
One of the important points I took away from an excellent book Millionaire Fastlane is that if your life savings are small (less than $1million), don't try to get rich in stocks or by investing it. It is going to take you a long time to get rich that way and you might not see the results of it if planned 'richness' is 40 years away.
Rich people use stocks, bonds, commodities and real estate to diversify and to preserve their wealth, not to get rich with it. Why do people who have $10,000 or $100,000 put it in a stock market? To get an average annual return of 8%? During a period of a few years it can be negative % return in the stock market depending on market trend. Get rich first then diversify. Compound interest works when the initial capital is big.
If you have $5,000,000 in the bank, 5% annual interest is $250,000 – you can live very comfortably on this amount. When you have $50,000 in the bank, 5% annual interest is $2,500. See the difference?
The phrase "Get Rich Quick" has become a synonym for a scam, swindle or a false promise. For most people these days this phrase carries a negative meaning. It got beaten to death by a lot of peddlers and snake oil salesman selling seminars, courses and what not. They are getting rich by selling you those easy promises: for only $99 buy this five book and twenty DVD course and be on your way to riches!
If one could get rich by paying $99 and spending ten hours of one's time reading and watching a seminar, everybody would be rich! These types of courses and seminars make fortunes for the people who sell them because a promise of easy reaches always works. Our lazy nature wants to believe that we can get rich by reading a book, taking a course or seminar.
"Get Rich Quick" should mean five to ten years of dedicated work building your own business. On a big scale of things ten years to being rich and retired sounds a lot better than penny pinching for forty years.
On how to start and build your business, the best roadmap to date is a book The Millionaire Fastlane by MJ DeMarco. It is under $15 and money well spent in my opinion.
Millionaire Fastlane Review
Nine out of ten books about money making and personal finance suck. This book is one out of ten that rocks! I just finished reading "The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime" by MJ DeMarco last weekend. I read it in one sitting, just couldn't stop.
I know title sounds cheesy, but don't let it fool you. Don't think it is one of those get-rich-easy books or a teaser to an expensive course or seminar. MJ has no hidden agenda and he tells it the way it is – in easy to understand words. There is no fluff on any of 336 pages.
Beginning is a bit slow as he tells his story, where he comes from and how he got to where he is now.
Most of the concepts in the book are "un-common common sense". He proves his points with simple to understand breakdowns and examples. You would think: "A-ha, how come I never thought about it this way?"
The main point of the book – MJ proves wrong the widely accepted premise in our society: get good expensive education – get good job – then get into a 30-year mortgage debt and work for 40 years penny-pinching in the process in hopes to retire wealthy. Then he gives you a new mindset and teaches you how to make money.
Do you realize that with a 30-year mortgage you would pay around triple of what the house price originally was? And how having all that debt over your shoulders for those years wears you down, ties you up to a place and makes you miss good opportunities?
Why do we do that? – Because we want it now and we cannot wait. Because we don't know any better and we do it like other sheep around us. Instant gratification, compulsive shopping and brain-washing by society to keep you as a worker-bee are some of the reasons.
What if you die before you retire?
What if the market crashes and you can't retire like many baby boomers now?
What if the dollar devaluates and can't support your lifestyle with those savings?
I hope this book answers many of your questions, it answered mine. He tells you exactly how do you need to think and what exactly to do to become wealthy without waiting for retirement. Instead of giving you a fish, he makes you a fisherman!
Does it sound too good to be true? The only way to find out is to read it. I consider the few dollars I spent on this book the money well spent.
What does a word "fool" mean to you?
I started this blog with an idea of exploring good and wise money saving habits and extra income generating ideas. Then I realized that it would not matter if you lack discipline. This post is about laying a good foundation for everything in life, not just about saving money.
Recently I got curious about the meaning of the word "fool" and I asked few friends on what does it mean to them. The answers were similar and vague: one who lacks common sense; one who makes unwise decisions; one who is naive and easily fooled. But all these descriptions are biased because they are based on each individual personal opinion – some decision might seem foolish to one and wise to another.
Then yesterday I was looking at my notes from 2008 futures trading seminar, back then I went for a private tutoring with trader Joe Ross in Texas. Joe is in his 70s and one of the most respected mentors in the trading industry. I came across Joe's definition of a fool written in my notes and it started me thinking. I don't remember how we came onto this topic, but I remember Joe saying: "For me, a fool is a person who cannot follow his own advice and who blabs about his affairs to anybody who would listen." I wrote it down.
I completely agree with Joe's definition. Think about it: if you know what is the right thing to do but then you go ahead and still do a wrong thing, then you are a fool. Many would call this a self-sabotage or a lack of discipline, it is both in fact and many other things, but how would you call such a person? What if somebody tells you: you know this guy, he did this foolish thing knowing it was bad, then if you agree, you say, right, he is a …
The second part of Joe's definition is about blabbing. This one is simple, if you don't tell anybody about what you are doing, then there will be no embarrassing if things don't work out. By keeping your mouth shut, you keep your ego in check and your priorities straight. On the big scheme of things, talking about one's affairs without other party expressing interest about it first, is a a lack of discipline.
Further thinking got me to the conclusion that a fool generally lacks self-discipline. For myself, I changed Joe's definition to a simpler one: " A fool is a person who lacks self-discipline." Everything else can be derived from that. You know it is right not to eat three pieces of birthday cake but you do; you know it is not right to tell your criticizing pessimistic uncle about your new project, but you still do and get an avalanche of negative comments on why it wouldn't work which make you almost quit… List can be endless…
Now, let's get to the next logical question. How do you stop being a fool? The answer is simple: become disciplined. Don't tell anybody about it, and I mean nobody. Do it for yourself. You will see that things will start changing. Take one baby step at a time. Say no to a piece of cake just once. Fool yourself – tell yourself you will have two pieces next time. You will like the feeling of raising self-esteem if you don't eat it and you will forget the two piece promise. If somebody insists on you having it, do not explain anything to anybody, just say that you don't want it and politely decline. You see, a lot of people like to put other people down. And if you tell such a person that you don't want the cake because you started new diet or trying to lose weight, they will sabotage you by saying something similar to: " Oh, just this once, it won't hurt you." Do it with everything when building self-discipline.
Peter Clemens has this great post on his blog PickTheBrain.com: "Self-discipline involves acting according to what you think instead of how you feel in the moment." Completely agree, he also gives many nice pointers on how to start building self-discipline in this post.
If you are serious about the subject, I highly recommend this book: "Self-Discipline in 10 Days: How to Go from Thinking to Doing" by Theodore Bryant. This book is more a workbook with exercises than a treatise. It walks you through the fear types that hold us back and teaches you how to overcome them at the moment when action is needed. Take it on faith and just do the exercises.
Good luck on your journey!
How To Teach Kids Good Money Saving Habits
If you would like to learn how to teach your kids the proper way to treat money in less than ten minutes - this post is for you. I aim to give you a general idea with few pointers that will help you in most common life situations.
General Concept
Kids must learn how to delay the gratitude in our spoiled world of credit cards and instant gratification! By teaching your kids to be patient, work for and manage their money from young age, you will not only teach them wise saving habits and value of the money, but patience and perseverance in life in general. You must teach them because our society or educational system won't! It is your duty as a parent! Sometimes it might feel that your words fall on deaf ear, which is not true! Kids remember what they've been taught!
[Side note: The most important part of raising kids is to respect them. If you do, everything else will fall in place. Do not shove your orders down their throats without an explanation; they will surely have poor self-esteem later in life. Give them options! Ask for their opinion! Include them in the discussion and decision processes! Please remember that kids take the words literally. If you call them names or make a remark that you think is innocent ("you cannot do anything right") - you might scar them for life. A tip: when my son does something that irritates me, I imagine he is my boss at work and I try to use the language and the tone of voice I would use with my boss at work (it can be any personality that you respect and don't want to offend).]
Kids learn not by listening but by doing. Create real life situations that will give them hands-on experiences. Have you ever wondered why when we are young adults we refuse all good advice, even if we realize it is the right thing to do, and instead we stubbornly do it our own way (most likely wrong)? Our personalities are already formed by then and if we didn't live through and experienced a particular life situation before, we have no example in our memory bank and being young and impatient, most spring chickens will choose by default the easy (read – wrong) road.
Kids will not only remember what you teach them but what you do as well. If you are a compulsive shopper, they will see it – and if your message on prudent saving conflicts with your actions, the child will get confused. Be consistent.
If at any age child is fixated on some big item purchase, be it a gaming console, expensive remote controlled car model or $100 sneakers, don't buy it straight away. For younger children, buy it for their birthdays or Christmas. Make older children (after 6 y.o.) participate by saving for part of the price. They can save part of their allowances and do one time jobs to earn towards it. In case of $100 sneakers, you can use a limit, let's say $50 maximum on shoes and have the kid pay the rest. After saving diligently for it, child will rarely add more than $30-$40 and will learn not to buy latest overpriced fashion items. This example is taken from a great book "Raising Money Smart Kids" by Janet Bodnar.
Preschool Years
Your child is just born. It is a good idea to start a college fund at child's birth. You can keep it secret and have a nice surprise for him or her when the time comes. Imagine your child develops real passion for something exotic and you will be able to send him or her to study in a prestigious university at home or abroad. Or you can make them aware of college fund when they are older and get them involved by having them to contribute small percentage of their allowance and/or chores money to the fund.
At what age to start teaching kids about money? At the age kids are able to grasp the money and related value concepts and start asking questions on the subject. This is usually around the age of 6-8 years. Normally, preschool kids cannot distinguish between the value of paper bills and coins and a $10 bill is the same for them as a $1 bill, so money allowance is out of question. At this age kids will happily spend whatever you give them.
Famous shopping tantrums, which parent does not dread them? Keep the children busy by asking them to help you and letting them choose between two kinds of the same product. Never give in and buy the item child demands. Praise and reward them for good behavior.
If child throws a tantrum, don't react in anger and try to distract the child. Set the rule in advance of having only one small treat with a set maximum price and enforce it. You can collect all the treats child wants and in the end let them choose only one. This will keep them calm till the end. There are no set rules on how to deal with tantrums and you should try different tactics to see which one works for you.
Age 7 to 12
When child understands the value of different coins and bills and what they can buy and he is old enough to manage it, weekly allowance should be started. This is usually started when child starts going to school. Sit down together and figure out how much weekly allowance to give and what purchases it will include or not. Movie tickets, video arcade games, birthday gifts for friends, school snacks and any other regular expenses should be considered.
Most child psychologists recommend that you don't have your children do regular house chores for allowance money and I agree. Child should learn responsibility and make up his bed, clean his room, do the dishes, take out the garbage and do any other regular house chores without any monetary reward. Allowance should be tied to financial responsibility by assigning regular purchases to the allowance money and letting the child manage it without you micromanaging him or her. If your child needs extra money from time to time, you can invent a one-time house chore and pay for it. Never pay for regular work child is supposed to do around the house!
The same goes for school grades, do not tie allowance to it. The good method is to reward good grades with a gift, some privilege or verbal praise but not with money.
As for dollar amounts, it is hard to give uniform advice. Allowance should be slowly and gradually increased with age. No bailouts or loans are allowed! At the beginning the kids will surely blow their whole allowance a few times. If you keep firm and not give them extra money, they will learn how to pace their allowance for the duration of it.
As your children grow older, the allowance should increase and include more financial responsibilities, like school supplies and lunches, toiletries, cloth and whatever else you settled upon. The amount should be bigger than regular purchases, some money for saving, gifts and entertainment should be accounted in. Keeping a ledger is a great idea to help them see where the money is spent, but don't micromanage them, let them figure it out on their own and only intervene when it is necessary. Set simple and tangible saving goals that are achievable in four to six week period. Longer than that is an eternity for kids.
It is also a good idea that the child starts and manages his own savings account around the same time the allowance starts. The principles described in the post How to Save Money: the Only Way That Works apply. Percentage of the money designated for saving has to be deducted first from allowance before anything else. The structure of the savings has to be easily understood by the child. For example, 70-20-10 rule: 70% for spending, 20% for the future big ticket items and 10% for long-term saving.
For example, you can discuss it with your kid and explain in detail what a retirement fund is and that the money cannot be touched until very old age (I think around 7-8 y.o. is the right age to explain this). When your children are twenty years old and they have been doing it since eight years old, they most likely will keep the habit for the rest of their lives.
To give you a simple idea on power of time and compound interest, if child starts putting in savings account an average of $5 a month from the age of 7 to the age of 18 and then a $100 a month from 18 years old on, at a 6% annual interest and by reinvesting principal and the interest payments, at the age of 65 he or she will have around $330,000; and at a 10% interest the amount will be $1,422,000.
You can offer an incentive to save more by matching any extra-curriculum deposits. For example, if child didn't spend $10 and wants to put it in his long term savings account, you could match it by $10.
As kids grow, their toys, hobbies, cloth and activities become more expensive as well. Their responsibilities should grow too. It might be a good idea to expand the allowance to cover all their expenses: clothing, lunches, gifts, hobbies, savings, etc. Usually kids earn substantial sums from jobs at this age as well. Managing all their expenses will give teenagers a sense of responsibility.
Now you can give them allowance monthly instead of weekly and include bigger priced items. For example, give them the amount of cash allocated for their clothing this season and let them buy it themselves. Explain upfront what items and in which quantity they should buy. If they spend all the money on one expensive jacket, then they will have to suffer the consequences and either earn extra cash or use it from their allowance money at the expense of entertainment to buy the necessary cloth. Do not let them use their savings for this.
If your teen son wants an expensive gaming console which is out of question, don't deny it to him outright. You might compromise by contributing a $100 to it and by helping him with ideas on how to earn extra money to get it. Your son will appreciate it more and treat it with much more care. But the greatest lesson would be the prudence in spending.
When my son reaches teen years, I plan to teach him how to invest in stocks. I would like him to start a simple ledger where he can keep track of his income, savings and expenses by the age of eight. So when he is thirteen, he will have some savings already and we can start learning how to invest with real money.
Credit Cards – I think teenage kids shouldn't have them. You must explain them though how credit cards work. I discuss credit card use in detail in a previous post here.
Part-time work is a double-edged sword. If grades start to suffer, it has to be stopped or hours have to be cut down. All the money earned should be treated in the same prudent way with savings and tracking of expenses. Two most child-suitable types of work are small family run retail businesses and babysitting. I can't recommend work at fast food restaurants as this might instill bad eating habits.
The best credit card for college is no credit card. Allowance should be strictly in cash. If you applied the principles outlined earlier, by the time your kids are off to college, they would have solid money management skills and good saving habits.
The balance should be found between grandparents and their adult kids. By that I mean that grandparents should consult with parents first on big ticket presents. Small $5-$10 gifts are excluded as long as they comply with the house rules. Most often house rules are about food, for example, parents don't eat chocolate because one of them is allergic to it or it is their belief is that chocolate is bad for you (this is just an example, it could be anything: Coca-Cola, greasy donuts, etc. – we all have our quirks). Grandparents should respect house rules.
Each child and family situation is unique. These rules are not written in stone and they should be adapted to your current situation. Remember, the best way children learn is by doing. By giving them responsibilities and by nurturing it without micromanaging, you will give your kids a big head start in life and the chances that they will have an enjoyable and financially secure life are much better.
If you would like to learn more, I recommend the book by Janet Bodnar, Raising Money Smart Kids, it stands out by head and shoulders over other two books I've read on the subject. This book is filled with practical advice and with huge amount of real life examples for children of all ages and for any possible kind of situation that might arise. Janet has been writing a column for Kiplinger on this topic for longer than two decades and she has raised three kids of her own whom she used as a testing ground for money education ideas (poor kids!).
Please do not hesitate to comment if your opinion is different or if you have a good real life story that teaches a good lesson.
How To Save Money: The Only Way That Works
How To Save Money Theory
I am forty years old now and when I look back at my life I wish I knew how to save money when I was in my early twenties. The basic principle is that the amount of money coming in must be bigger than the amount of money going out. Easy, right? Easy in theory, but not in practice, unless you know and practice this one simple rule: put savings aside first – before anything else.
In this post I want to help you get started saving money by explaining how it worked for our family to switch to a saving way of life. I have always hated debt and managed to never get myself into deep trouble. I'll write a post later on how to get out of debt in the fastest way possible.
Saving money is a skill. This and prudent money management are not taught in schools and your parents must teach you how to do it throughout your childhood and early teen years with real life examples. If they don't, then by the time you're out of the family nest, it's too late and you'll have to learn via the school of hard knocks.
Expenses Fill The Available Budget
There is a saying I heard somewhere: "expenses fill the available budget" - and it's true. A lot of people think that they'll start saving when they start making more money. If you make $2,ooo a month right now and if you think: "When I make $4,000, I will save $2,000″ - you are self-delusional because when you make more you will spend more. You will try to live up to your new social status by buying more expensive things and services.
It was hard for me and my wife psychologically to start saving at the beginning. We had to change our lifestyle and certain habits to be able to free up money for saving.
At the beginning we decided to save 20% of what we make and the first month we put the 20% aside first but we kept it at home, so at the end of the month, when we ran out of money prematurely, we spent it. We had no discipline and no plan.
Second month we opened a joint savings bank account that had no online access, no debit card and we had a special rule set up with the bank that we could only make withdrawals when both of us were present at the teller. This made it so hard for us to withdraw that money because of our busy schedules – getting together to the bank at the same time was a real hassle. Since then we stopped doing it, but for the first six months this was the key that helped us to stick to our plan. Now we save 50% of our income! And you can too – read on.
A few month later, after we accumulated some money, we came to the conclusion that we had to have a plan. By plan I mean you have to decide what are you saving for and how much percentage-wise. After a few months of changes and tweaks we came up with this structure:
Income – 100%
Expenses – total 50%:
30% – Living Expenses (house, food, gas, internet, phones, electricity, TV, etc.) – This used to be 55% of our income at the beginning! We got rid of a few subscriptions, canceled others and we are always on lookout to spot where we can reduce our living expenses even more. I will be explaining in detail in future posts on how to reduce these expenses without sacrificing quality.
5% – Monthly "Unexpected" Fund (this is the money we keep handy for things like car repairs, medical bills, etc) – We gradually accumulated it to a $2,000, and then everything over that goes to the investment fund! If an expense occurs, like last month we had to pay $240 to replace the window motor in the car, then we fill it up to $2,000 again.
10% – Entertainment/Shopping Money (movies, dining out, weekend trips, "oh, my God, I love these shoes" compulsive spending money, etc) - We run out of this money, we stay and play at home or visit friends! Included in this are our individual adult "allowance" money – for small indulgences. If we don't spend it all – we carry it over to the next month. A single friend of mine pointed out that this percentage is very low as singles go out a lot more. Well, this is just an example. You should set the percentages the way it works for you!
5% – Planned Shopping (items we need from time to time: clothing, household appliances, etc.)
Savings – total 50%:
20% – Retirement Fund (this is money that we don't touch until we decide to retire and this money cannot be used for risky investments) – You max your IRA account and if you have extra, save it in liquid money investments like bank CDs, short term bonds, etc. These don't pay much interest but are safe and liquid.
20% – Investment Fund (stocks, real estate, etc.) More on this later…
5% – Education Fund (our son is only one year old and we decided when he was born that we will start saving for his college now)
5% – Travel Fund (when vacation time comes, we see how much we saved and where we can go for that money) – If we have a special place we want to go to and we don't have enough money for that, we postpone that till the next year and go somewhere on the cheap instead spending a maximum of 50% of the travel funds that we have saved.
Emergency Money Fund
Before we started to put money towards any of our savings plans, we didn't have the emergency money fund and had to save for it first. This is the fund that you must have available before you start saving for anything else. The bare minimum is to have six months worth of living expenses saved in case you lose your job or are unable to work due to illness or any other reasons. It is recommended by most experts to have one year minimum worth of living expenses saved.
We have six months worth of living expenses in our emergency money fund. We keep half of this money in dollars at home and the other half in one to three months term bank CDs which earn little but this money is easily available on demand. If, for example, living expenses are $2,ooo a month, then six months emergency fund is $12,000 and a one year fund is $24,000.
Compulsive Shopping And Credit Cards
The way you approach buying things changes when you have a budget. Below are some helpful examples on how to deal with credit cards, compulsive shopping and other dangers hidden beneath the surface that can sabotage your savings.
Years ago, I read an article about a research study where it was proven that we use 10 percent of the things we buy 90 percent of the time! I tried to find this article to post a link to show you the evidence here, but I googled in vain, you will have to take my word on it.
This means that 90 percent of the things we buy, we only use 10 percent of the time. Some of those things we never use after the initial excitement wears off! Have you ever dug up something and wondered why the heck you bought it in the first place? I recently took out of the closet a back massage machine, the one that you clip on the back of the chair. It cost a hundred bucks. It never properly fit on the very comfy chair that I have and it ended up in the closet. Now it is on its way to a new lucky owner who won it on eBay for $30.
There is one very helpful trick a friend of mine told me that helps him immensely to curb compulsive spending - walk away from any unplanned purchase of over $50 for 24 hours. Make it a rule. If after 24 hours you still think that you must have that thing and you will put it to good use, then by all means you go and get it. You will be surprised that quite often you will realize that this is a waste of money or you can live happily without it or there are cheaper alternatives. I am not proposing here a completely minimalistic approach to buying things, but taking your time and making rational decisions rather than getting tricked by clever advertising that pushes us to buy right at that moment.
One very important point is the use of credit cards. If you have the discipline to use them up to the available budget, then there are no objections. Get on a nice cash rebate, travel miles or any other plan and earn some extra cash. We had to lock them up at the beginning. Now we use them on a 1% cash back reward program. We prepay them. We deposit up front our monthly expenses (less house payments) and entertainment money and we check every day the available balance and once it goes to zero, we leave them at home! This requires discipline. If you don't have the discipline - don't carry credit cards with you – lock them up. Some might argue that you need to have the credit card with you all the time for emergencies. We carry $300 in cash from our monthly "unexpected" fund for that. If an emergency bigger than the amount of money in your monthly "unexpected" fund happens, you can always go and get them! These big emergencies are very rare.
I hope our experiences will help you. I would like to hear your stories please or if you have any tips on how to improve one's saving habits.


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The White Doe Inn is located in the coastal waterfront village of Manteo, which is on the Outer Banks of North Carolina. The White Doe Inn is located on Roanoke Island. Special amenities at this Diamond Collection B&B include bedside fireplaces, private baths with two-person whirlpools, imported linens, a four-course seated and served breakfast, afternoon refreshments, inn-room spa services, beautiful gardens, and concierge services.
This excellent review was left for a stay at The White Doe Inn in May 2011.
"Immaculately kept B&B - don't hesitate to book"The rooms were decorated beautifully. The gardens were well-manicured and numerous fountains were lovely. We visited in early May and weather was great so we ate outside on veranda every morning. The breakfast table was decorated elegantly with beautiful table decor. The inn was immaculately kept and the service was exceptional. I will be visiting again. The White Doe Inn is the epitome of a high-end bed and breakfast.
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Students do better in school when they eat well and are physically active, but their neighborhoods don't always help them do those things.
That's why I AM HERE, Kansas City's new photo contest for schools, is asking students to share what they experience in their own neighborhoods every day, whether it's walking trails or broken sidewalks, cheerful parks or vacant lots, school gardens or fast food restaurants.
Third- through eighth-graders throughout the Kansas City region are encouraged to participate.
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"The Future of Food": An Urban Grown evening with Mark Bittman
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On First Friday, today, March 1st the Ware Center will contribute its share to the day's festivities offering an array of events and performances - ALL FREE. Included are singer/songrwriter Leo DiSanto, The Lancaster County Young Artists Art Exhibition Gold Special Award Winners Opening Night, and the film "Miss Representation".Leo DiSanto, will perform solo in fifteen minutes sets from 6 - 8 PM. A singer-songwriter and modern troubadour from rural Pennsylvania, DiSanto resounds with a diversity of influences from Sun Records-era Elvis, Leonard Cohen and Bob Dylan to country junkyard rock, acoustic folk and warped, circus music. Described by a songwriter friend as "Lord Byron meets Merle Haggard," Leo's galvanizing solo performances have inspired comparisons to legendary troubadours such as Townes Van Zandt, Hank Williams, Jimmie Rodgers, and Willie Nelson.
The 49th Annual Lancaster County Young Artists Gold & Special Award Winners Exhibit opens 6 - 8 PM, Friday. This extremely popular show features hundreds of pieces of work and recognizes outstanding art students in Lancaster County grades 7 to 12. From a field of thousands, a few hundred were chosen by a panel of judges to be included in the exhibition. This exhibit is also open Noon until 4 PM Saturday and Sunday, March 2 & 3 and then runs regular business hours (Mon-Fri. 9 AM to 4 PM) at the Ware Center until March 24.At 7:30 PM, The Ware screens "Miss Representation". In a society where media is the most persuasive force shaping cultural norms, the collective message that our young women and men overwhelmingly receive is that a woman's value and power lie in her youth, beauty and sexuality- and not in her capacity as a leader. The powerful film includes stories from teenage girls and interviews with notables like Condoleeza Rice, Nancy Pelosi, Katie Couric, Rachel Maddow, Rosario Dawson and Gloria Steinem. The 90 minute film will be followed by a panel discussion/talk back. The film is sponsored by MU's Department of Social Work.All events are unticketed, open to the public and FREE. The Ware Center is located at 42 North Prince Street, Lancaster, PA.
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Martinis & IMAX
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Fernbank Museum of Natural History
Fernbank Museum of Natural History
Today – 6/28/2013
Friday from 6:30 to 11 p.m.
Event Description
Who says a museum needs to be quiet? Shake things up with Atlanta's perfect mix of culture and cocktails! It's a unique alternative to the "so last year" bar scene featuring live music (or a DJ), a full bar with signature cocktails, tasty nibbles prepared to order, and a flick on the biggest screen in town in the IMAX® Theatre. Films, menus and bands change regularly, so it's never the same experience twice!
Schedule of films:
"Flight of the Butterflies" at 7 and 9 p.m.
"Everest" at 8 and 10 p.m.
Schedule of performers:
April 26: Abby Wren and What It Is (Southern funk)
May 3: The Breeze Kings (blues)
May 10: The Mar-Tans (New Orleans funk, R&B and Latin)
May 17: Salsa Dance Night featuring Salsambo Dance Studio
May 24: The Nick Longo Band (variety)
May 31: Kingsized (ballads, jazz standards and bebop)
Ticket Information
General Admission: $13
Seniors/Students (with ID): $12
Cover Charge (no film ticket): $7
Venue Information
Fernbank Museum of Natural History
767 Clifton Rd. NE
Atlanta, GA 30307
Phone: 404-929-6300