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tag:blogger.com,1999:blog-71271527751418550092018-05-27T20:30:22.003-05:00Musings From MattA blog of thoughts by a twenty-something who is figuring out what growing up looks like.Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-46205867103712899732010-04-13T18:35:00.003-05:002010-04-13T18:42:58.463-05:00Sprint Airlines imposed $45 fee per carry-on.If you don't travel frequently, you probably don't really care. Skip this post.

As the USA Today reports, Sprint Airlines is proposing a $45 fee per carry on bag. When I used to travel frequently, I made a blog post that spoke about the checked bag fees, that accurately predicted the future.

The purpose of me noting this is more because of the government getting involved and threatening to pass legislation to block this additional fee. Really? Do we need the government to protect us from capitalism and debating issues like this. Good grief - this is seriously misdirected outrage.

Get back to encouraging job growth by offering massive incentives to small businesses to hire people.Matthttp://email@example.com:blogger.com,1999:blog-7127152775141855009.post-60570708332504493362009-10-06T19:02:00.003-05:002009-10-06T22:17:44.639-05:00Surviving the Recession for Twenty-Somethings (Revisited)About 11 months ago I made a post about surviving the recession.

Since that time the number of unemployed and underemployeed has skyrocketed - with some people putting the combined un and underemployed rate approaching 20%.

One of the things I touched on briefly was having a re-employement plan. This is a strategy of contacting personal friends, business associates, previous customers and others to let them know you're in the market for a new job.

However, what I'd like to write about now is having a de-employment plan. Here's a checklist of things you'll want to do if you are de-employed not on your terms.

1. Don't sign anything. When you are de-employed, you're under considerable distress. Do not sign any piece of paper explaining reason for your severance and termination unless you understand every single word. You need to be thinking clearly and may be signing away your rights if you're being terminated illegally. You do not need to sign anything the day you're let go.

... except a clause about expense reports. Make sure that your employers agrees to pay the balance of your company related expenses, and get this in writing. It should state, "I will provide my company related expenses within 5 business days and will be reimbursed by (employer) in full. I estimate these expenses to be roughly XXX dollars."

2. File for unemployment. You do this through your state. For some people, they view collecting unemployment as a sign of failure or laziness. THIS IS NOT TRUE. DO NOT BELIEVE THE LIE. These economic times are unprecedented in our generation. Now is not the time to be idealistic or prideful. In Illinois you would visit the Illinois Department of Employment Security. Benefits for people that earn above $42,536 are $385 per week. For earners below that, the amount is 47% of your income. Married people with a dependent spouse earn $459 (58%). One or more children raises the amount to $534 (63.2%).

3a. Know your options with health insurance. If you lose your job, you still have the opportunity to keep your company's existing health insurance - however, you'll need to pay the premiums. Most employeers with good health insurance have costs that are roughly $700-$1,000 a month. Fortunately, the ARRA offers significant support for these payments.

The American Recovery and Reinvestment Act of 2009 (ARRA) provides for premium reductions and additional election opportunities for health benefits under the Consolidated Omnibus Budget Reconciliation Act of 1985, commonly called COBRA. Eligible individuals pay only 35 percent of their COBRA premiums and the remaining 65 percent is reimbursed to the coverage provider through a tax credit. The premium reduction applies to periods of health coverage beginning on or after February 17, 2009 and lasts for up to nine months for those eligible for COBRA during the period beginning September 1, 2008 and ending December 31, 2009 due to an involuntary termination of employment that occurred during that period.

3b. Get a physical. When you realize the costs of premiums, especially if you're young and healthy, you may wish to forgo health insurance, depending on how much money you have saved and your cash flow situation. Having a physical that says you're healthy will help get you the lowest prices if you need to purchase individual insurance.

4. Suspend unnecessary expenses. This includes extended cable TV packages, cell phone data / texting packages, tithing, any automatic saving payments. Stop all automatic payments outside of utilities. This is not the time to calculate how long you can last "without changing your lifestyle". You've lost your job - your lifestyle should change. Your expense priorities are now shelter, food (not dining!) and transportation.

5. Don't take a vacation. This is basically a specific version of #4. I've heard of many people who think since they have "time off" it means "I deserve a vacation." You're unemployed! That is not an option.

6. Sharpen your resume. I wrote on this before.

Matthttp://email@example.com:blogger.com,1999:blog-7127152775141855009.post-65095849688271240082009-09-03T18:46:00.004-05:002009-09-03T19:34:00.237-05:00Thoughts on Health Care
"No one should die because they cannot afford health care, and no one should go broke because they get sick."
With the health care debate raging on, I see more and more people making claims like the above.

I don't think that many people would disagree with the initial statement, but the issue is much bigger than life or death. Often the issues at hand are quality of life and length of life. When health care is claimed to be a fundamental right instead of a privilege, then cost must becomes of no consequence. You can't argue against the economic consequences of spending a million dollars to keep a 90 year old woman alive for 10 more hours, just like you can't argue about the consequences to the owners of freeing 200 slaves on their million dollar a year plantation. The issues, if viewed as a right to health care and a right to personal liberty, are above mere dollar and cents consequences.

Where all will agree that if you're 90 years old and can extend your life for 10 hours at the cost of a million dollars, and somebody else will pick up the tab (the government) it's easy to pull the lever and say, "Sure, spend it. Great Grandma is worth it" Even though from a more holistic standpoint this probably isn't a wise choice given a million dollars could feed thousands of starving children elsewhere in the world.

So while we can probably agree that no one should die because they cannot afford health care, and no one should go broke because they get sick, I'm sure some would disagree with what this implies: Everyone should be allowed to live as long as they desire without regard to the use of resources required.Matthttp://email@example.com:blogger.com,1999:blog-7127152775141855009.post-37012469858103306982009-07-03T11:14:00.008-05:002009-07-03T18:41:07.666-05:00What does taking redundancies mean or being redundant?I read a bizarre article [Borderline SFW] about a company in Britain whose employes all showed up nude to improve office morale and get past inhibitions. Seems a little extreme to me.

However, this was a Britainism (British English) that I didn't understand:
David Taylor, a business psychologist, told workers at design and marketing onebestway, in Newcastle upon Tyne, that a Naked Friday idea would boost their team spirit.
 He was called in to help the firm after six staff members were forced into taking redundancies at the start of the credit crunch.

"Taking redundancies" is equivalent to American "down sizing" or "being laid off".

There's an article here that talks about British fears of being "redundant."

Because I'm not cultured and no google search term came up with adequate results, I thought I'd blog about it to blatantly gain some hits off of Google with key terms since the article is pretty widely published and I can't be the only person that needed clarification.Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-49024219849814907202009-06-25T17:00:00.001-05:002009-06-25T17:00:08.566-05:00WAMP Forbidden You don't have permission to access /phpmyadmin/ on this server.If you're like me and just downloaded the newest copy of WAMP, you'll see a problem that drove me nuts. I got a notice that said:

Forbidden

You don't have permission to access /phpmyadmin/ on this server.

When you see something like this, you realize that it could be a million things, and since I'm more of a hack then a web developer, I freaked out.

A lot of help forums suggested that you modify the alias information so that you allow access from localhost, like 127.0.0.1. Mine already had that setup, by default.

I was scratching my head over and over and couldn't figure out the root cause of all of this. Strangely, the SqLite manager was working just fine. This was so weird.

Then I went back and realized that the problem was that my C:\wamp\alias\phpmyadmin.conf file was just pointing to the wrong directory: it pointed to MySQL version phpmyadmin3.1.3 instead of phpmyadmin18.104.22.168. Ugh. WAMP team fail.

Check the directory and version number!
Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-75028296007041635252009-06-05T08:43:00.003-05:002009-06-05T08:47:55.966-05:00Scary Insurance Companies
<col style="width: 66pt;" width="88"> <col style="width: 48pt;" width="64"> <col style="width: 66pt;" width="88"> <col style="width: 48pt;" width="64"> <col style="width: 107pt;" width="142">

 Policy Amount	 Annual Premium	 Sum of 5 Years Premiums	 Implied Odds of Payout	 Calculated Likelihood of Dying in 5 years

  $ 700,000	  $ 420	  $ 2,100 	 0.30%	 1 in 333

Questions:
Isn't this math basically correct?
What sort of margins do life insurance companies get?
How much goes to the agents, annually?

hmm....Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-46617862573090386652009-05-17T21:26:00.007-05:002009-05-17T22:27:44.906-05:00Housing Market Perspective UpdateWith a child on the way in less than two months, there's been a constant itch to think about buying a home. Renting, has a stigma in American culture as being wasteful. However, in this economy, I continue to disagree that it's a great time to be a first time homeowner.

There's a lot of factors in play that make taking the home ownership plunge sound appealing. There's the $8,000 housing gift if you purchase a home (which can be used as a down payment, much to my dismay.) There's all time historic low interest rates, around 5%. Most noted, however, are all the "deals" that abound in a market. With home prices in DuPage County down 23% from their peak, it would appear that now is the time to buy!

However, I would argue that now is not the time to buy unless you are very certain you will own your property for at least five years, and definitely not the time to buy if you are looking for the best price. I repeat: We are not at the bottom of housing prices.

I have basically three reasons why I'm not buying:

1. The economy is not at the bottom. Major companies who announced layoffs in the past 6-12 months have not completed these layoffs. For those that have, many of these workers were high wage earners that received excellent severance packages and are still able to pay their mortgage. With the April 2009 unemployment rate at 8.9%, and having it increase every month, it's safe to say that foreclosures will continue to rise until this rate decreases to historical norms. This is more than one year off. Hence, I can safely choose to sign one year leases and continue to rent and not put my money into a depreciating asset. I already own two large depreciating assets, our cars. No need to add more to the list.

2. Even if the recession ended today, the housing inventory is still historically too high. With 9.8 months of inventory which took nearly two years to rise from 6.5 to 10.5 months, I don't think that we're going to see a swift turnaround. As homeowners become more desperate to sell, prices will continue downward.

What I've only seen briefly mentioned (You hear it here first!) is a recently published survey from Zillow that states 31% of homeowners would be somewhat likely, likely, or very likely to put their home up for sale if they saw signs of a real estate market turnaround in the next 12 months!

With roughly 75 million homes in the U.S. per the somewhat outdated 2000 census, this means that 75 x .31 = 23 million homes could be put for sale when the housing market "turns around". Compare this to the fact that 17 million homes where sold in the year 2006, 2007 and 2008 combined! This implies we could have up to four years of shadow inventory. The high inventory will continue downward housing prices.

3. As municipalities try to make ends meet with their budget, we can expect property taxes to increase significantly within the next several years, possibly dramatically changing the expected payments of a home. This risk and the ability to negotiate rent, compared with the complete inability to negotiate taxes, makes this another significant risk to purchasing a home today.

With all that said, I'll have to take a pass on the pulling the trigger on this one, and I advise my friends the same.Matthttp://email@example.com:blogger.com,1999:blog-7127152775141855009.post-7332675770428658012009-04-14T21:46:00.002-05:002009-04-14T21:51:03.752-05:00Your Business Card is CrapOkay, so this is an interesting video. It's on college humor, which has some content I don't generally go for, but I found this to be great, mostly because I sort of agree with the guy.

<object type="application/x-shockwave-flash" data="http://www.collegehumor.com/moogaloop/moogaloop.swf?clip_id=1907003&fullscreen=1" height="360" width="480"><param name="allowfullscreen" value="true"><param name="wmode" value="transparent"><param name="AllowScriptAccess" value="true"><param name="movie" quality="best" value="http://www.collegehumor.com/moogaloop/moogaloop.swf?clip_id=1907003&fullscreen=1"><embed src="http://www.collegehumor.com/moogaloop/moogaloop.swf?clip_id=1907003&fullscreen=1" type="application/x-shockwave-flash" wmode="transparent" allowscriptaccess="always" height="360" width="480"></embed></object>
Watch Your Business Card is Crap on CollegeHumor

Oh well.Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-89417334108179261052009-03-01T09:56:00.005-06:002009-03-01T10:29:02.231-06:00Shameless Promotion!Time to do a little bit of promotion for people who are doing awesome things. I seem to have a lot of friends who do neat projects or are pursuing their passions in really creative ways. They shouldn't go unnoticed!

So first I want to talk about Bryant Rosenwinkel. Bryant writes music. And sings. And plays music. And... he's awesome at it. Keep in mind that I don't buy music or even really listen to music. Bryant's CD, The Western Thief (iTunes Link), is the first I have purchased in the last 15 years. It has 10 tracks and all 10 are filled with awesome folky goodness with catchy and clever lyrics that tell great stories about life, love and loss. I wouldn't hesitate to get all 10 tracks. He has a couple of sample songs on his myspace page. Do it now!

Second, I need to talk about Chris Hadley and Elisabeth O'Donnell over at CuisineMadeQuick.com. They make some great cooking videos on low cost, easily accessible meals. I really like how fun and informative they are, and the food looks great. What's refreshing is that they're very candid throughout the whole cooking process. It's a little more casual and authentic than TV, but still of high quality (not some high school kids with a camera on YouTube). Since the two hosts of the show are dating, they're fun to watch and kind of flirty with each other, (but not in the weird way like Regis and Kelly). Check them out too!

That's all for now!Matthttp://email@example.com:blogger.com,1999:blog-7127152775141855009.post-86246626629732943892009-02-28T13:51:00.003-06:002009-03-01T09:56:03.540-06:00Eye GlassesSo my wife and I went to milk some of the vision insurance I had at my previous employeer. We went to Lenscrafts and got an eye exam, contacts, frames and lenses. We had pretty a fair discount schedule with our insurance and we paid... I'll just say too much... a week's salary.

This struck me as just wrong... and I happened to take a trip over to life hacker and saw an article about buying eye glasses online. What I've come to realize is that people in the 3rd world wear glasses. They've got to be paying somewhere between $10-$20 a pair.

Interesting things to note:

Lenscrafters, Pearl Vision, Sears and Target are all supplied by the same Italian eyeglasses manufacturer - Luxottica.

Some optomitrists can buy their 'designer' frames and lenses wholesale for $6-$10 and then sell them for up to 1,000% markup.

Lens coatings cost almost nothing to apply and charge clients up to $50 for the service.

Anyway, I think I'm going to do some shopping... Lens Crafters has a 30 day unconditional guarentee. We'll see what happens!
Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-3816358210324773892009-02-28T13:30:00.005-06:002009-03-01T09:58:01.577-06:00Term Life InsuranceSo this week my wife and I bought some term life insurance policies. Since we're having our first child in a couple of months, having adequate life insurance is something that I felt was important.

I'd imagine that some people my age aren't really aware of what life insurance is, or why you might want some, so I'll take a few minutes to go over the process.

Basically, there are a couple of versions of life insurance. I bought a fixed rate, 30 year term life insurance. If I die for any reason, including cancer, plane crash, on the job accident, my wife will be given the amount of the policy. Typically, you want to buy between 8-10 times your annual, pretax income. You don't want to waste your money on things like annuities, whole life, or any other type. If you're 20 something, you want 30 year term life insurance so you'll have this fixed rate protection for the next 30 years.

You might think, "Well, I have life insurance through my employer." You very well might, and it's often completely inadequate. Both of my employers offered 1 1/2 times my income. Though this will certainly be enough to bury me and pay off some student debt, it's not enough to send a child to college, pay off a mortgage or any other sort of responsibilities.

For non-smoking, healthy men, you can get a $500,000 policy for roughly $25 a month. $750,000 for around $35. Likely less than you're spending for cable TV.

You want to buy life insurance while you're healthy. As you get older, you're more likely to have something affect your health. Even if you don't have children, a spouse or someone else who is dependent on your income, you want to get this now.

I went through insure.com and bought insurance for me and my wife. The process was pretty painless. They asked about 30 minutes of questions and a few days later a medical examiner took our blood pressure, a urine sample, height, weight and a blood sample in our home. It was pretty sweet, but admittedly a little weird too.

If you're 20-something, buy some today while you're healthy and can get excellent fixed rates. I know this sounds like a commercial, and I apologize in advance. It took me well over a year to make this a priority, and I'd hate to see a family go through some unnecessary trauma because they delayed in doing the right thing.Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-88113252081628036022009-02-01T13:03:00.005-06:002009-02-01T13:45:51.836-06:00Resume MusingsI know more people who have lost their job in the past 4 months than those who lost jobs in the combined rest of my life. What is even more sad is that many of these people are highly talented individuals. As I wrote in a entry before, being prepared is key. I'd like to write a little bit on how to write a resume.

I'd bet most people haven't seen a resume besides their own. I don't think that mine is the greatest in the world, but the format worked to land me a couple of jobs.

Here's a brief copy of mine from a few months ago:

I'll try to highlight a couple of key things that I tried to do, and I recommend to others.

Focus
First and foremost, your resume needs to be clean, concise and tack-sharp focused to the needs of the position you are applying more. Every time you apply to a new position, you must refocus your resume for the position you are applying for. This was important when the economy was good, and is now critical when you're competing against more people who are equally or more qualified for the position you seek.

Keep it Simple
I kept it to one page. I'm a big proponent of this. However, it also tends to reflect my style of writing (most of the time): concise & bulleted. I also know that during interviews, the interviewer typically has the resume right in front of them. It's awkward for them to flip back and forth between multiple pages. In addition, I'm only 25. I don't have a ton of positions to ramble on about. This may force me at some point to go to 2 pages. A resume should never be more than 2 pages. Keep focused on the position and cut out what doesn't apply to the job you're doing. I have 4 summer internships in the industrial manufacturing, pharmaceutical, and machine building industries. Since they didn't apply to the job I was applying for, I didn't mention them. It's important to show you're responsible and can keep a job when you're landing your first job out college, so you can list that you served coffee at your uncle's barber shop during the summers. Once you're in the working world, those nonsense jobs need to be cut.

Fill the Whole Space
You'll probably notice the "Who is Matt Adams?" section. Honestly, I went out on a limb with that one. In college I had that space reserved for extra-curricular activities. I had to fill the space. I had a couple of executive recruiters say that they're usually not a fan of that use of space, but mine was an exception. Take that for what it's worth.

Sell Yourself
A resume is a marketing piece. Having it look polished and clean is key. It reflects directly on the impression of the brand - you!

Know What You Wrote
It's also important to have a talking point or two about every single item on your resume when you get an interview. You will be asked about it, and its even possible that you were asked to interview for a single word or phrase on your resume. On one version of my resume, I mentioned a skill I knew little about and was drilled heavily on the theory of the skill during an interview. It was awkard. Don't let that happen to you.

Have Others Help
It is important to read, reread and read again what you have in your resume before you send it off to a potential employer. Send it to friends, family and anyone that you can think of for feedback and editing. A well written resume shows your ability to communicate, pay attention to detail and understand your strengths. It's more than just a sheet of paper.

A Final, Serious Note:
We're heading towards 10% unemployment... spend a weekend soon to update your resume if you haven't updated it in the past 6 months. Email me with a copy of yours if you'd like feedback. I'd be happy to help.Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-91156575672121751752009-01-24T13:30:00.005-06:002009-01-24T14:00:02.932-06:00Never Pay A Credit Card Late Fee!I have a quick note on how I saved myself $68.00 today.

I pay my credit cards online and always pay them in full before the due date... usually. This month I was a few days late. For random reasons, I have two credits cards, and hence got hit with double late fees. $68.00 total. Ouch!

So, I used an online form and wrote Capital One and requested that they refund me the late fees. My letter looked like this:

Hello. I am writing to request a refund for my late fee. I was a few days late to pay this month. I love Capital One and have been a very good customer. I have paid my balance in full. Thanks in advance!
Sure enough, I got a reply back that said, "Good news. Your late fees have been refunded."

Notice that I didn't need to threaten, lie or even make a phone call. I spent about 10 minutes of my time and got a $68 refund. I heard that this past quarter Capital One posted a loss of 1.42 billion dollars. I'm glad they didn't cut corners and try to hoard late fees. No rants today!Matthttp://email@example.com:blogger.com,1999:blog-7127152775141855009.post-29392032354181409602008-12-28T15:58:00.005-06:002008-12-28T16:44:10.761-06:00Goals, Priorities and BusynessWith 2009 coming along, its a good time to set some goals. My 2008 goal was to read through a one year Bible with Jenn. Up until about April or so, I was right on track, and somewhere along the way, I lost a lot of ground - we're on June 3rd as of today.

I had events come up like travel with my job, the need to care for Jenn during our pregnancy and a whole host of other things that were not perfectly planned, but those aren't the reason for falling behind. It is plainly obvious reading became a lower priority than watching episodes of The Office and Heros, because I haven't missed a single episode of either of those programs (either watching them live or replayed on the internet). This is certainly not my proudest realization of the year.

I know there have been times when I've rationalized the excuse, "Well, I've been busy."

This is a poor excuse. I'm busy, you're busy, my mother, dentist and everybody is busy.

What are we busy doing? Whatever we prioritize.

The new year is a great chance to reprioritize. There's about 7 months of scheduled material and 6 months until the baby is due. If I over-clock our reading schedule by 16%, we can be done before our child is born. In principle, I think that it's important that if Jenn and I plan to raise our child to be a loving follower of Jesus, reading through the Bible completely before he or she's born would be a good step (among many) to prepare for that responsibility. What I especially like about this goal is that it is extremely measurable. I can measure the accomplishment (yes or no) and percent of plan (Target = 116%). Maybe I'll create some KPI metrics along the way and post them here.

I'm not going to lose sleep if our child comes early and we're not quite through, but this is something that I'm convicted enough about to put in print somewhere. That way I can have people who care about me ask me how I'm doing with it.

Though I don't expect this will happen, if for whatever reason you ask me about this and I tell you I've fallen behind, I need the response of, "What is the plan to catch up?" and not "That's a bummer, but don't beat yourself up too bad about it." Thanks in advance!Matthttp://email@example.com:blogger.com,1999:blog-7127152775141855009.post-41740106819544766022008-11-28T22:05:00.005-06:002008-11-28T23:16:17.294-06:00A Guide to Surviving the Recession For Twenty-SomethingsLike many, I'm reading headlines that aren't too optimistic about the future of the economy. I just read an article that put the potential unemployment rate around 10%, up from roughly 6.5% now.

Unless you are self-employed, you don't have a lot to say concerning your employment status. However, there are a few things you can do to gauge your likelihood of being let go in a layoff. Ask yourself these questions:

1. Are there multiple people with the same job title as you? For example, if you're part of a 15 person engineering department, it's possible that the engineering manager could be expected to give 3 names by the end of the day. If there are 5 mechanical design engineers, 3 drafters and 4 electrical engineers and 2 programmers, the 3 names given will include at least 1 mechanical engineer and 1 electrical. The programmer is the least likely to go.

2. Could your company still function without you? This is one of the scariest realizations, that your job isn't a lynch pin the the corporate machine. If you realize that you're not critical, it's possible you may be among the first to go. Be honest with yourself and try to gain more responsibility so you leaving will cause maximum corporate pain.

3. Do you get along well with your boss? Here's a dirty little secret. Sometimes major layoffs are used by managers to get rid of merely average employees that they can't exactly fire for any really good reason. Sometimes a department might not be asked to lay anyone off, but a crafty manager might say, "Could I please give you one name?" or even negotiate a deal with another manager, "Hey, I can get rid of Average Adam in my department so you'll only need to let go of 2 people instead of 3 in yours. I'll be calling back my favor later." Don't assume this sort of thing doesn't happen.

4. Does your boss think you are critical to his or her team? Regardless of your opinion on your contributions, if your boss thinks that you're a critical element to the team, you're less likely to be let go. This is why it is critical to always be on good terms with your boss, or at the least not be on the bottom of their list. All managers have favorites (though the professional ones will not exhibit favoritism). If you're a favorite, you're more likely to hold your job.

While the point of the above questions isn't to strike fear into your soul, it should be a wake up call for everyone in Generation Y: We're not invincible. While its possible our baby boomer parents had some sleepless nights after their 401k was rocked by the dot com boom, our lifetime hasn't be scared by any sort of major recession. What we're looking at for the next couple of years is a big deal.

So what do you do? How do you prepare?

1. Make sure you have an emergency fund of liquid assets on which you can live for 6 months. I already hear the cries of twenty somethings saying that there is no way that they can save that sort of money. To which I'll say: baloney. There's no way you can't afford to have an emergency fund. 6 months of expenses should include costs like rent or mortgage, utilities, food, car insurance, health insurance and life insurance. Yes, this is a lot of money - start saving now. Having a 6 month emergency fund is more important than your 401k, paying down high interest loans or just about anything else. I'll be writing an entry on in the future about how to save more money. (But there are only ways: cut expenses or increase income.)

2. Role Play a Worst Case Scenario With a Complete Re-Employment Plan. Assume that you've been given two weeks notice without severance. Who would you contact about finding new job offers? Write down your list so if you're in shock from this unfortunate news, you've got a plan of action. Update your resume. Make contact with old co-workers and managers to find out what they've been up to. Websites like LinkedIn make this easier, but a personal phone call or email can't be beat.

3. Work smarter (not harder) to move yourself up a notch on your boss's favorites list. Revisit questions 3 and 4 above. Try to make yourself a critical part of your managers team. Find out where your manager's pain is and help him fix it. Have lunch with your manager and develop a personal relationship. Find out how your manager is compensated and help them get a hefty bonus. Be the hardest employee your manager has. Remember: now is not the time to slack off.

This is definitely a painfully practical post, but I hope that the readers can think through some of the thoughts. Comment away!Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-91946147721782228192008-11-13T08:30:00.004-06:002008-11-16T11:18:16.832-06:00Employee Compensation & Negotiating RaisesOne of the interesting parts about being a twenty-something is dealing with your salary. Depending on the company you work for, the process may vary widely. Depending on the company, there may be no process at all.

If your employer doesn't have have a review process, you need to create one. Every year you need to have a discussion about your objectives and how you can measure your success in your role. The annual review may or may not discuss your salary, but it is paramount that you can discuss your performance as an employee. This will be a key tool to negotiate an appropriate pay increase.

You should expect, at the very least, to get a cost of living raise each and every year. I'll pin that number, for the sake of discussion, at 2%. If you don't get a 2% raise each and every year, your employer is giving you a pay cut -> they are taking money out of your pocket. If you honestly believe that you are over paid and can not find similar compensation somewhere else, then you don't have much room for complaint. However, if you think you're being underpaid, then you have every right and reason to negotiate.

I think it's critically important to realize that your employer needs to have a valid reason to pay you more than you are earning now. Your life circumstances can not come into play. For example, the following are not reasons why your employer should give you a raise:

You want to buy a house and need more money to get the size house you want.

You are getting married and need to cover the cost

The interest rates on your student loans are increasing.

You are expecting a child and you need to provide for them.

Your spouse is changing or leaving his or her job and you need to make up some of the difference in compensation.

These are all personal reasons. Your employer doesn't care about how you spend your pay check. They care about how you are making them money or saving them money. Your employer's #1 objective is to get the most (work) for the least (money). Your objective as the worker is the opposite.

There are, however, valid reasons why you should expect additional compensation.

Exceeding company goals, especially related to creating income or reducing costs.

Performing extra responsibilities that potentially reduce the amount of other employees needed to accomplish the tasks.

Others performing your job function at other companies are getting paid more than you.

Coworkers or those with less experience at your same company are getting paid more than you.

Another thing to mention is that employees seldom realize how much negotiating power they have.

The cost of replacing a good employee is incredible. First, the company needs to find a new employee. While they search, the position is unfilled and additional strain is put on coworkers who now have more work to do. It is unlikely the company will find someone with exactly the right skill sets, so after the replacement is hired, there is time where they are paying the replacement for less than 100% output (training). If it is a mid to upper level replacement, they might need to use an outside recruiter, who will get paid up to 30% of the position's annual salary. Bottom line: Replacing good employees costs big bucks!

Keep this in mind when looking to negotiate your next raise. A few percent isn't much when leaving will lower the moral of the office, costs the company valuable training time and the possible cost of an upfront fee of 30% of your salary. Every person in human resources knows this, and its quite possible that your supervisor does as well. If you bring up a raise, they're going to have to discuss it past HR, who will surely clue your supervisor in.

One element is not good for salary negotiation: Another job offer.

It may seem like the golden ticket, "Hey boss man, you better give me this raise or I'm going to go and work for ABC company! Look at this incredible offer they made me!"

Here are the simple facts: If you have the brief conversation above with your boss, your current employer will likely cough up and offer you whatever salary request you made, so they do not lose you. However, make no mistake, this is only temporarily. Once you mention that you are going to leave or have considered leaving, you are no longer loyal to the company. They want to keep you around only for strategic value and to possibly train your replacement. No ifs, ands or buts: your days are numbered.

Alternate jobs offers are not a card to be played, they're an opportunity you accept or do not accept.

Whew, a lot of random information on the subject here. Hope you enjoyed it. Comment away!Matthttp://email@example.com:blogger.com,1999:blog-7127152775141855009.post-24295264686465369922008-11-08T19:33:00.006-06:002008-11-09T12:49:30.496-06:00Terminated - Fortunately Not Arnold Schwarzenegger StyleAs many people may or may not know, I'm making a job change. This is a really exciting time for me. After working at at my first employer out of college for over 3 years, I was offered and accepted an exciting job at a competitor.

It's a very interesting situation to respond to as an employer: If your employee is leaving for a competitor and gives notice (2 weeks, for instance, as I did), how do you respond? Some people might not understand my question.

As an employer, you have a few options:

Let the employee leave in 2 weeks.

Terminate the employee within a few days of the notice.

Terminate the employee immediately.

 I personally believe that the second option is best, assuming you have an ethical and productive employee committed working hard after they announce their intent to move on. A few days forces urgency of a brain dump from the leaving employee to coworkers without giving time for the employee to mentally 'check out' before quitting. It also allows time to methodically transfer files to coworkers, prepare projects for hand off and answer any outstanding questions directly.

However, my employer, (as do almost all employers when an employee announces they're leaving for a competitor) terminated me by the end of the day.

The concern, of course, is that your employee is no longer loyal, especially if they are disgruntled. They could potentially steal trade secrets, inventions, patents, customer lists and other sensitive information with hopes of having an advantage at their new employer.

This concern, however, I personally believe is somewhat misleading. First and foremost, company secrets are protected by law. Often when working for technology companies, you give away all rights to inventions, patents and copyrights relating to your job function (sometimes unrelated to your job function!) to your employer. I specifically have an invention (and frankly a really cool one at that) which my previous employer is probably not going to act on. However, I can't mention anything about it to my new employer because I signed away the rights to it upon taking my previous employer's offer. In addition, my new employer asked for and I agreed that I wouldn't give confidential information from my previous employer as a part of my new contract.

Bottom Line

Simply: Professional companies that deal with technology make you sign away anything valuable to them, want to make sure inventions and secrets from previous work stay with the original companies. Good companies don't want lawsuits from stolen ideas - they want original innovation.

Less Than Simply: There are gray areas. Customer lists, for example, could be considered trade secrets. However, its very difficult to legally prove a customer list is stolen.

Regardless of Simplicity: Employees who are leaving know before the employer does. They'll secure whatever information that they want before they give their notice. What they secure isn't a function of time employed after their notice, it's function of the employee's ethics and savvy.Matthttp://email@example.com:blogger.com,1999:blog-7127152775141855009.post-72926378135437840392008-11-02T22:29:00.003-06:002008-11-02T22:39:08.195-06:00Adolescence - A Failed Social ExperiementNewt Gingrich, love him or hate him, has an interesting take on adolescence, calling it a failed social experiment of the 19th century.

I never gave much thought to this idea, but it has some merit. I had some interesting discussions this weekend with some peers about it. Many of them were steadfast advocates of a broad exposure of education.

Mr. Gingrich argues a the broad education system has had too high a cost:

The costs of this social experiment have been horrendous. For the poor who most need to make money, learn seriously, and accumulate resources, adolescence has helped crush their future. By trapping poor people in bad schools, with no work opportunities and no culture of responsibility, we have left them in poverty, in gangs, in drugs, and in irresponsible sexual activity. As a result, we have ruined several generations of poor people who might have made it if we had provided a different model of being young.
I'm not really sure that I exactly have an opinion, but I found the article very interesting. I'd be curious to see others thoughts.Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-33506739354659347812008-10-24T16:45:00.000-05:002008-10-24T16:45:00.444-05:00Buying vs. Renting - With Current Market DataVery glad we decided to not buy a home. Check out this from the Illinois Realtors:

SPRINGFIELD, Ill. – Illinois home sales in the second quarter improved from the first quarter of 2008 yet were lower compared to the same period a year ago. According to the Illinois Association of REALTORS® (IAR) second quarter report, total home sales (which include single-family homes and condominiums) were 32,414 in the second quarter, down 25.4 percent from a year ago when 43,438 home sales were reported in the second quarter. The second quarter median home sale price was $192,500, down 6.8 percent from $206,500 in 2007.
My strategy is very simple for buying a home. You can't time out the bottom, but you can definitely time out when it has passed. I'm willing to wait until the median home prices have increased by 3% or more over two quarters before I buy. Below you can see that the you can't guess the future, but you can view the past. Maybe prices will go down a lot more, maybe they'll just creep a bit. The key is that you shouldn't target to time the bottom, you should target to acknowledge the recovery is legitimate.

The only way a home makes a good 'investment' is if its value is growing. Owning is not a better option merely because you can deduct interest from you income tax alone. It's only a good investment because of the leverage that you can get. For instance a 1% down payment and the house increases 10% implies a profit not of 9%, but of 900%!
Matthttp://email@example.com:blogger.com,1999:blog-7127152775141855009.post-78268664214484406512008-09-26T08:10:00.003-05:002008-09-26T08:13:03.544-05:00Rocket Man!I love inventors.

I love inventors more when they accomplish their dream.

I love inventors even more when they accomplish their dream while wearing a space suit.Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-14759904362591183862008-08-30T14:56:00.004-05:002008-08-30T15:01:55.654-05:00Balance BillingI read an interesting article from Business Week, Medical Bills You Shouldn't Pay, referring to 'balance billing'

As health-care costs continue to soar, millions of confused consumers are paying medical bills they don't actually owe. Typically this occurs when an insurance plan covers less than what a doctor, hospital, or lab service wants to be paid. The health-care provider demands the balance from the patient. Uncertain and fearing the calls of a debt collector, the patient pays up.

Most consumers don't realize it, but this common practice, known as balance billing, often is illegal. When doctors or hospitals think an insurer has reimbursed too little, state and federal laws generally bar the medical providers from pressuring patients to pay the difference. Instead, doctors and hospitals should be wrangling directly with insurers. Economists and patient advocates estimate that consumers pay $1 billion or more a year for which they're not responsible.

What's important to understand is that often times your employer will have a 90/10 or 80/20 plan where they have a fixed, negotiated fee schedule, and they will pay 80% or 90% of it, and you are required to pay the remaining. So if the doctor sends a bill of $100 to your insurance who then negotiates it to a rate of $50 and then pays $45, (90%) your doctor is allowed to bill you the remaining $5, but not the negotiated down price of $50.Matthttp://email@example.com:blogger.com,1999:blog-7127152775141855009.post-68737502773160713522008-08-30T10:50:00.004-05:002008-08-30T10:57:48.689-05:00McCain's VP ChoiceSo regardless of your politics, you just have to love the way the GOP plays the game. Gov. Sarah Palin of Alaska was selected as McCain's VP yesterday, and I just couldn't help but smile.

Just when you think, "Man, the Republican party has nominated this super old guy, how are they going to win this election", they bring in a VP who can claim "I raised the taxes on the oil companies", "I distanced myself from the the old Republican establishment" and "I can make this a historical campaign for the Republicans as well."

Beautiful move, regardless of which party you affiliate with.Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-13502840788279902672008-08-28T17:20:00.002-05:002008-08-28T17:20:00.498-05:00Your Gear Doesn't MatterSorry that it's been a while. I was inspired a bit today and just had to post. As most people know, I'm sort of a hobby photographer. Because photography had a certain technology aspect to it, artistic photographers and technophiles sometimes blur together. I'll be the first one to admit i'm more of the second type.

I subscribe to Ken Rockwell's RSS feed, and he's always a big proponent that people need to stop worrying about their gear so much and just start taking more pictures. Pretty good gear can take really great pictures.

To illustrate his point, he posted this link today: Man Uses Barbie Fishing Rod to Make Record Catch.

It made me laugh.

I'm back!

MattMatthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-17739414925995483082008-08-28T17:04:00.000-05:002008-08-28T17:04:01.048-05:00The $7,500 Housing CreditSo this is a quick one. People who are looking to buy a first home may have heard about legislation that is offering a $7,500 tax break to home buyers who haven't owned a home during the past 3 years.

On the surface this is really something to perk your ears. $7,500 can go a long way toward closing costs, down payment, etc. Frankly, I was almost ready to seriously consider looking. Then... i read the fine print.

In short: It's not a free money gift per se, it's really a $7,500 loan 0% loan. You need to pay back $500 a year at tax time over 15 years. Total interest on a $7,500 loan over 15 years at 6.5% is really $4,260.

Woha.

So I originally was going to make a post on how a zero interest loan on $7,500 really isn't that big of a deal. However, if you view the $7,500 tax credit as really a $4,260 tax credit over 15 years ($478 the first year), it's actually not that bad.

I'm glad I did the math! We'll see what happens this spring...Matthttp://firstname.lastname@example.com:blogger.com,1999:blog-7127152775141855009.post-59389215170771253902008-07-25T20:27:00.004-05:002008-07-25T20:45:54.864-05:00Cooking AdviceI'm not a big cooking guy. Perhaps I have my moments, but in general, I wouldn't put cooking among my top skill sets.

Today I was making a batch of Rice Crispy Treats. As everyone knows, there's not a lot to it. I melted the butter, then melted the marshmallows, then poured in the cereal. I stired the whole thing and then put it in a pan. Then I went to get some wax paper to push it in the pan.

We had no wax paper.

At first glance I thought, "Mey, I'll just push it in with the spoon."

This was extremely ineffective. The gooey treat kept sticking to the spoon and pulling OUT of the pan. Then I thought that I'd just use my hands, except that I've learned since being married that other people don't like to have their food touched with bare, unwashed hands. I was in a horrible situation in that I basically had a whole tray of Rice Crispy treats that would just go to waste unless I innovated. My alter ego, MattGyver sprung into action.

I first found a piece of sturdy cardstock photoprinter paper. I folded it in half and covered it tightly with a pair of my wife's pantyhose (sorry Jenn!). Then I found a blue crayon and tore off the paper wrapper so I could maximize the surface contact area. I frantically rubbed the blue crayon onto the pantyhose covered paper, which absorbed a considerable amount of this (non-toxic!) wax. This paper / leggings / crayon contraption had nearly identical properties to wax paper. I pressed the Rice Crispy treats into the pan, and there was no sticking at all!

The problem, of course, is that the rice crispys were now... Smurf Cripys. Oops.

Now for those of you that are laughing at my failed prototype, you have to understand that I'm an engineer. An engineer with a sense of humor... who made that last part up. I did find a creative solution, but it was much less glamorous.

Real Solution: I had an empty bag of Rice Crispys cereal. This bag has a similar material property to wax paper - I used the bag to press the rice crispy treats into the pan without having it stick! I was amazed. I feel like this was a food hacking trick that I discovered all by myself, and this whole adventure fits exceptionally well into a blog like mine.Matthttp://email@example.com


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When Mrs Barks was teaching at Pt England School this was her class blog.
Hi Stevenson.I love your animation and the storys that went with it. You are one active boy! Keep up the great work.Khaias mummy
Please leave us a comment.
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subset: commoncrawl


text:
Equity Bank is unable to explain why they charge Shs 30 for a free service
Equity Bank charges Kshs 30 when one transfers money from Equity Bank account to another Equity Bank account if the transaction is done via Equity Bank's Mobile App. That's not a problem really. Actually, according to data that Equity Bank sent to us in attempt to explain the Kshs 30 charge, the transaction is the


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tag:blogger.com,1999:blog-3705349780305435727.comments2017-08-28T02:28:12.264+05:30The world of dogssatishhttp://email@example.com:blogger.com,1999:blog-3705349780305435727.post-35325001538016485212017-08-28T02:28:12.264+05:302017-08-28T02:28:12.264+05:30I want to see more pictures of the Dogs. Razor edg...I want to see more pictures of the Dogs.
Razor edge pit bullGail A Passmorehttps://email@example.com:blogger.com,1999:blog-3705349780305435727.post-52367576485665903032017-08-28T02:26:37.797+05:302017-08-28T02:26:37.797+05:30Beautiful pictures of dogs. Love to see it. danger...Beautiful pictures of dogs. Love to see it.
dangerous dogsGail A Passmorehttps://email@example.com:blogger.com,1999:blog-3705349780305435727.post-68680345501712153092012-07-25T09:54:03.255+05:302012-07-25T09:54:03.255+05:30Thanks regarding the post. It's good to listen...Thanks regarding the post. It's good to listen to one other individual's opinion. I certainly agree with exactly what you are saying regarding the data. Please keep up the nice work as I'm definitely going again to read more.Dog Training Collarhttp://email@example.com:blogger.com,1999:blog-3705349780305435727.post-20433055092494667912012-01-09T02:18:29.045+05:302012-01-09T02:18:29.045+05:3010:15a The gods instructed Pharroh to give the Jew...10:15a
The gods instructed Pharroh to give the Jews all that gold as temptation, and it worked.
So unlike Pharroh, but an effective corruptor which was responsible for the 40 years of warmongering under Joshua. This caused another host of problems to befall the Jewsish people as well.

Even as peasant farmers we could be lulled::Good weather, bountiful harvests, etc. This is what old-world preachers were good for.
This stereotypical preacher had classic preaching styles:::Loud, damnation-fueled teachings. Contrast to today, preachers who are lulling the Damned into cruise control. The old-world style was important to snap people out of complacency. Unfortunately, in today's enviornment people consider this style insulting, and they lose a precious message designed for the favored of yesterday.

I speak of how The Beast has changed the country and the world with Californication. Whereas 20 years ago the young women used to ridicule homosexuality now they find it acceptable. Come the next generation the norm may be experimentation.
Not in the South. The Southern man has retained even more time, consider homosexuality an abomination and reject bi-racial unions, rightfully so. Unfortunately, much like the immigration issue the gods use hated to accomplish the region's value system among the masses.
Understand the Matrix/reality duality::::For every issue the gods have their REAL reason for creating an issue. In the case of the SOuthern man it is because they have the conbination of favor/disfavor which allows them to maintain the god's conservative stance embraced by humanity throughout time.
Of course the giveback in the SOuth would be elements like overconsumption of alcohol, abandoning the gods for NASCAR Sunday, tattoo freaks violating the body the gods gave them in their image. Pure favor it is not:::What they gain in a decent value system they lose elsewhere. The fact the gods preyed upon the Southern man with a drug-driven, junkie-laden brilliant regional rock bands is a bad sign. The perpetual nature of country music is another:::Rock is dead. Too many of these rednecks live in ignornace and feel their perpetual music genre is a sign of favor. Quite the opposite is true.
I have repeatedly illustrated the frequency of "reverse positioning". This is yet another.

The United States is a dumping ground for the disfavored. THis was how it was used during European immigration, this is how it is used today.
The Japanese Earthquake/Tsunami of 3/11/11 was actuslly a good sign for the people. Alarming because it came decades after their most recent admitted atrocities during WWII, at least they will experience corrective punishment, whereas the United States won't be as lucky.
Russia too enjoyed corrective punishment for the 1980 invasion of Afghanistan.
THere is something about this country. Interferring/injuring the Afghan people incurrs he god's wrath. It cost the SOviets their protection of communism. Now the gods have leveled the playing field among the last few white peoples who still enjoyed it on their way to a homogeneous global enviornment. If I am right about the United States we won't be as lucky. When we go down it will be for good, and there will be no recovery.
Yes, the clone host fake politicians have been plannign for this for decades. Ronald Reagan turned a $1 trillion Federal debt into $6 trillion at the end of his Administration. Much like W in Iraq, this served to terminate the favor of a group of people. Reagan just didn't have to do it with violence as W did, but he did do it against white people, which says something.

The gods will adhere to their positioning, immoral or not.
This illustrates an aspect of their pathology which people should consider quite frightening:::They will destroy and use someone but abandon obligation with a clear conscious. And they will do the same to each and every one of email@example.com:blogger.com,1999:blog-3705349780305435727.post-82850226612645057612012-01-09T02:14:02.223+05:302012-01-09T02:14:02.223+05:30Outlaw dogs in cities. Dirtbag owners don't pi...Outlaw dogs in cities.
Dirtbag owners don't pick up after the dogs and there is shit all over the fucking sidewalks. This is bullshit. And it is always the fucking men neglecting their duties. Men are fucking trash.
Not to mention the homeless people who own dogs. These men NEVER pick up after their dogs. And what the fuck do they have dogs for anyways? They can't even care for themselves. If it were a child CPS would have taken the kid. We should have the same for animals. This is bullshit. I am sick and fucking tired of dodging piles of dog shit walking on the email@example.com:blogger.com,1999:blog-3705349780305435727.post-34111933181927791052010-06-22T20:40:07.431+05:302010-06-22T20:40:07.431+05:30@ GOLDEN.. ya but just for fun@ GOLDEN..
ya but just for funsatishhttps://firstname.lastname@example.com:blogger.com,1999:blog-3705349780305435727.post-92035103581424521292010-06-16T17:49:29.487+05:302010-06-16T17:49:29.487+05:30Not very realistic... :)Not very realistic... :)Golden Retriever Puppieshttp://firstname.lastname@example.com:blogger.com,1999:blog-3705349780305435727.post-87383949508335698602010-01-30T18:04:22.114+05:302010-01-30T18:04:22.114+05:30Hi, ur blog is really nice and interesting, i trul...Hi, ur blog is really nice and interesting, i truly like & enjoy it. I just wanna suggest that u should go for blog advertising & marketing there is a website which is offering very unique features at affordable prices. There are Expert advertising teams who will promote ur blog & affiliate ads through all over the networks. All u have to do is submit your blog plus pay affordable prices and rest leave it to Advertising Team for Promotion & Marketing then see how u enjoy a lots of quality traffic plus good readers to ur blog. Finally I have bookmarked ur blog & also shared with my friends hope u have a wonderful day & !!happy blogging!!.Erichttps://firstname.lastname@example.com:blogger.com,1999:blog-3705349780305435727.post-71730851011779879142009-12-08T18:56:27.064+05:302009-12-08T18:56:27.064+05:30Oh my god! The dog on the last picture looks like ...Oh my god! The dog on the last picture looks like a bear. Huge! Great pictures!Bulldog Puppyhttp://email@example.com:blogger.com,1999:blog-3705349780305435727.post-84860818056259169622009-11-17T21:26:09.944+05:302009-11-17T21:26:09.944+05:30wow! giant dogs! i like the last one, big and hair...wow! giant dogs! i like the last one, big and hairy! it looks like an oversized dog stuffed toy.smartyhttp://firstname.lastname@example.com:blogger.com,1999:blog-3705349780305435727.post-57950390251442271032009-10-18T07:39:31.230+05:302009-10-18T07:39:31.230+05:30Not a hoax. Check out a vidoe of Wendy the whippet...Not a hoax. Check out a vidoe of Wendy the whippet on animal planet:
http://firstname.lastname@example.com:blogger.com,1999:blog-3705349780305435727.post-78442066251652328822009-10-02T22:17:48.270+05:302009-10-02T22:17:48.270+05:30that's ridiculous, it's not a genetic defe...that's ridiculous, it's not a genetic defect, do some research, fool.

its a email@example.com:blogger.com,1999:blog-3705349780305435727.post-71271476418993046772009-09-07T20:02:46.379+05:302009-09-07T20:02:46.379+05:30@ belle HI belle you are correct, as every dog can...@ belle
HI belle
you are correct, as every dog can be best.only when we train and take care of them.
thanks for ur visitsatishhttps://firstname.lastname@example.com:blogger.com,1999:blog-3705349780305435727.post-31665020783826468672009-08-21T18:35:28.706+05:302009-08-21T18:35:28.706+05:30Hi, Nice photos and adorable dogs! I believe any ...Hi,

Nice photos and adorable dogs! I believe any dog can be the best if he's or she's trained and socialized properly. For some Facebook fun tied to a feel-good cause to help dogs, check out Save a Dog: http://apps.facebook.com/save-a-dog/

Thanks for the support. More power!

Bellebelle.smith2009https://email@example.com:blogger.com,1999:blog-3705349780305435727.post-75920739210891585002009-05-21T12:42:03.506+05:302009-05-21T12:42:03.506+05:30Wow! These are true beauties! I've always wanted t...Wow! These are true beauties! I've always wanted to get a thick-fur dog but I just can't seem to have the time to groom it well. These are really cute dogs!...hey by the way, I just joined in this exciting Pup-peroni Sweepstakes Promo that gives me the chance to win $750 worth of prize package! It's so fun, you should try it, too!jazminehttps://firstname.lastname@example.com:blogger.com,1999:blog-3705349780305435727.post-5567477680647394852009-05-11T01:20:00.000+05:302009-05-11T01:20:00.000+05:30This comment has been removed by the author.kaylahttps://email@example.com:blogger.com,1999:blog-3705349780305435727.post-74760481281869778892009-05-11T01:19:00.000+05:302009-05-11T01:19:00.000+05:30come to my website at thekaylashow.blogspot.com or...come to my website at thekaylashow.blogspot.com or my other website kaylashow.blogspot.comkaylahttps://email@example.com:blogger.com,1999:blog-3705349780305435727.post-83282528192401921602009-05-11T01:17:00.000+05:302009-05-11T01:17:00.000+05:30i love pomerainians i have one of my own i have a ...i love pomerainians i have one of my own i have a miniture ! ! ! ! !kaylahttps://email@example.com:blogger.com,1999:blog-3705349780305435727.post-26082257764068375012009-05-03T08:48:00.000+05:302009-05-03T08:48:00.000+05:30Cool! I love those breeds! I hope things get bette...Cool! I love those breeds! I hope things get better for this shelter, http://www.usatoday.com/news/nation/2009-04-12-zootoo-shelter-clash_N.htmxandrehttps://email@example.com:blogger.com,1999:blog-3705349780305435727.post-83688721229514916522009-01-02T11:11:00.000+05:302009-01-02T11:11:00.000+05:30We are 2 Maltese dogs and we must be related! Thes...We are 2 Maltese dogs and we must be related! These Havanese piktures are so cute! We are white and fluffy 2. Love, Your PaLs, LuLu and LoLLy! http://www.luluandlolly.comLuLu and LoLLy!https://email@example.com:blogger.com,1999:blog-3705349780305435727.post-72903521236685559892008-12-25T12:08:00.000+05:302008-12-25T12:08:00.000+05:30I wish I got the opportunity to congratulate Guss!...I wish I got the opportunity to congratulate Guss! My condolences..I would like to offer this idea of commemorating Guss in a very delightful way. Here it is, http://www.petcentric.com/crittercarols/?DCMP=RAC-PETC-DogTm-Carol08&HQS=Blog. Remembering Guss' barks.stephhttps://email@example.com:blogger.com,1999:blog-3705349780305435727.post-20554198771134366312008-11-21T12:56:00.000+05:302008-11-21T12:56:00.000+05:30... It's a genetic defect found in whippets.. It's...... It's a genetic defect found in whippets.. It's a real dog named Wendy, who lives on a farm in Victoria Canada. Not in the Russian military. Some whippets that are bred to be racing dogs develop the mutation and grow to be much more muscular than a regular whippet... Wendy weighs twice what she should.. Long story short the picture makes Wendy look gigantic but she really only weighs 45 lbs. The photographer didn't include anything else in the picture so you have nothing to compare her to. However, Wendy's owners have no claim of her being the world's strongest dog, just an incredibly muscular whippet.TheMoreYouKnowhttps://email@example.com:blogger.com,1999:blog-3705349780305435727.post-29231545880025009802008-10-23T03:04:00.000+05:302008-10-23T03:04:00.000+05:30Los pibull estan bien cuidados y si quieren entrn ...Los pibull estan bien cuidados y si quieren entrn a la pagina o al blog:www.pitbull.com.uy blog:pitbull.blogspot.comRodrigohttps://firstname.lastname@example.com:blogger.com,1999:blog-3705349780305435727.post-5495385754631378882008-03-29T12:37:00.000+05:302008-03-29T12:37:00.000+05:30Hey u have a good template n a 2 good blog dudeHey u have a good template n a 2 good blog dudesandeephttps://email@example.com:blogger.com,1999:blog-3705349780305435727.post-35825545611750864632008-03-25T19:41:00.000+05:302008-03-25T19:41:00.000+05:30Hi, if you wish to increase the amount of visits t...Hi, if you wish to increase the amount of visits to this blog or other personal Web, I recommend you to register in an extraordinary program to generate thousands of monthly visits and make much money using the system of publicity Adsense of Google. Contact me to firstname.lastname@example.com and I will send to you all the information about this real and great offer. When registering, I will give you a course from Professional WebMaster. Everything absolutely for email@example.com


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Christmas Lights Lowell MA
Spent some time in Lowell photographing the Christmas Lights last Sunday.
Getting psyched up for the holiday.
Plus I am trying out a new blog theme called INove. Let me know what you think.
6 Responses
Nice shots, Kevin! It's a fun way for a photographer to get excited about the holidays, isn't it? I love the purply tones and streaming lights in the far left shot–Merry Christmas and Happy New Year to you and your family! Cindy
Thanks Kevin! I might say the same to you, about the inspiration factor! Cindy
Oh, and PS–I like that you have some more info and links surrounding your blog, but I have to say I like the other format better–I hope you don't mind me chiming in with it–I thought it looked really classy the other way–not that it looks BAD now, but I remember the first time I saw your blog the old way, I was green with envy because it looked so durned pro-fesh-un-ull! Cindy
I agree–it is great to have the widgets–a follow button, links, etc, and good to have the look you like too! I'm sure there's a way to do it. WordPress is the way to go. I'm considering trying to find out if there's a way I can move my blog to WordPress, but keep the post history because that is really important to me. But there's so much more you can do with wordpress than with Blogspot, although Blogspot has been very good to me!
BTW–thanks for the link to my blog yesterday–you really drove traffic up–at least I think that's what did it! 😉


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Its been over 2 months since I blogged, its amazing how time flies when your not having fun. I love serving as a Pastor in a little country Church but it sure would be a lot easier if there weren't any people (ha!ha! groan). Even though I haven't been blogging I have been tatting quite a bit, its very soothing. There's something about taking string and turning it into a delicate piece of lace that does wonders for my attitude.
Here are the first of the tatting I've been doing since February.
Motif # 3 - Anne's dragon in Flora 20 (several of his relatives have made great gifts for dragon loving friends)
Motif # 4 - Sabina's Floral Bookmark in Flora #20
Motif #5 - Santa Fe Cross by Barbara Foster in Flora #20
Friday, May 22, 2009
Long Time No Blog - Motifs 3,4,5
Posted by Alan Kolodny at 10:36 PM
1 comment:
- TattingChic said...
Lovely motifs. Glad to see you're still tatting.
- May 23, 2009 at 5:37 PM
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Anfield was built in , but got initially rented by Everton FC. The first game at the ground, on the 28th of September , saw Everton beat Earlstown. Liverpool FC are redeveloping their iconic Anfield stadium, as part of a £m scheme for the whole Anfield area. The ground, famed for its Kop stand and. Anfield was Everton's home ground from , but disagreement with landlord Its pride was the largest terrace in England built by Walton Breck Road. They will soon leave here for a new home. The deadline passed and the plan was eventually cancelled by the Fenway Sports Group, as their preference was to re-develop Anfield. It is today known to many as flagpole corner. New stand The dilapidated stand on Oakfield Road is replaced. This leaves enough time to make the new main stand operable, though not finished.
When was anfield built - bet365, playersNew stand The dilapidated stand on Oakfield Road is replaced. The ground was considered of international standard at the time, playing host to the British Home Championship match between England and Ireland in For your info i know its a dump.. New Everton stadium Why Liverpool fans should welcome Everton's new stadium. Navigation menu Personal tools Not logged in Talk Contributions Create account Log in. Retrieved 5 May Anfield has hosted six internationals, the first in when England beat Ireland Everton FC then moved across Stanley Park to the newly-built Goodison Park, less than a mile away. Codigo promocional de betsson famous Kop terrace was changed into an all-seater stand inafter the demands of the Taylor report following the Hillsborough tragedy. If arriving from the south or east, approach the city on the M62 and follow for A Queens Drive. After Everton FC left Houlding decided to form a new football team called Liverpool. Retrieved 28 January The story of the ground stems from the growth of football in the city back in Originally a single-tiered stand called the Kemlyn Road Stand, the second tier was added in to coincide with the club's centenary. The new design to the ground meant that the club could now host some 60, fans. In , an exhibition basketball match featuring the Harlem Globetrotters was held at the ground. The old large roof was supported by two thin central uprights, with a large suspended television camera gantry which has moved to the front of the third tier [35] The players' tunnel and the technical area where the managers and substitutes sit during the match are in the middle of the stand at pitch level. The Kop is a large single-tiered stand. Liverpool FC have one year to move forward with their north stand expansion.
Fazit:: When was anfield built
|A new grandstand was erected by Lake Street, completed in the season. Archived from the original PDF on 6 September John Houlding and club secretary John McKenna decided after the clubs second championship win that the fans deserved a better enclosure behind the goal at the Walton Breck Road end. Ian Doyle says Reds fans should carry on and not lose their heads. Archived from the original on 13 March As fans share their impressions from the test events, Anfield is entering the last week of preparations for grand opening of the new main stand. A Mersey designer has drawn up her dream for Liverpool's ground to be rebuilt so Liverpool FC can extend the Kop. After the Amazonia kostenlos online spielen disaster in when Police mismanagement led to overcrowding and the deaths of 96 Liverpool fans, the Taylor Report recommended that all grounds in the country should be converted into all-seater grounds by May
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|Anfield stadium development Here's how the new 'Anfield high street' could look. Highest ave attendance A wintersport heute ergebnisse highest average attendance of 48, is set. Today though the club are pushing ahead with their plans for a new ground across the Road on Stanley Park. Retrieved 23 May Both cases are associated with ongoing stadium redevelopment projects. Retrieved 22 April Navigation Hauptseite Themenportale Von A bis Z Zufälliger Artikel. Local journalist Ernest Edwards, when was anfield built was the sports editor of newspapers the Liverpool Daily Post and Echochristened it the Spion Kop ; it was named after a famous hill in South Africa where a local regiment had suffered heavy losses during the Boer War in View from the Gwladys Street with Blues fan Dominic Scott. Bisher gelang es keinem deutschen Team, aus einem offiziellen Europacupspiel an der Anfield Road als Sieger hervorzugehen, und nur Dynamo DresdenBayer 04 Leverkusender BFC Dynamo sowie Borussia Dortmund konnten ein Tor erzielen.
|All buses leave you directly at the ground. The stadium has four stands: Simultaneously the concrete pylon floodlights were demolished with new lights installed along the rooflines of the Kemlyn Road and Main Stands. It is bordered on one side by Stanfield Park and by terraced housing on the other sides. John Houlding and club secretary John McKenna decided after the clubs second championship win that the fans deserved a better enclosure behind the goal at the Walton Breck Road end. The new ground will be bigger and has book dora games planning permission. By when the club lost use of the field offered by Cruitt they were facing the prospect of returning to play its football on Stanley Park.
|Tours run every day of the week multiple times a day roughly between Retrieved online live roulette system December UEFA-Pokal Das Finale wurde bis im Hin- und Rückspiel ausgetragen The stadium has hosted five rugby league matches. Kirkdale Stationabout 1 mile 1. Retrieved 26 June Navigation menu Personal tools Not logged in Talk Contributions Create account Log in. Construction to begin on Monday". Many Liverpool players reach up and touch the sign as they pass underneath it for good luck. View from the Kenny Dalglish Stand UEFA.
|It still stands there, serving as a flag pole. League record by opponent Merseyside derby Manchester United rivalry. An die Kemlyn Road grenzt die relativ moderne zweigeteilte Gegengerade, während die neue Haupttribüne Main Stand an der Alray Road liegt. When was anfield built the takeover of Liverpool F. In the middle of the stand roof was a mock semi-circular gable in red and white. Anfield was one of the playing venues of the Euro tournament, during which it hosted three group matches and the quarter-final between France and the Netherlands The highest attendance recorded at Anfield is 61, for Liverpool's match against Online casino lizenz deutschland Wanderers in the FA Cup fifth round, on 2 February Anfield did not host any matches during the World Cup, which were instead played at neighbouring Goodison Park.
|When was anfield built


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Labor Day
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Labor Day's for working, right? Right!
Lots of stuff done yesterday...
We took out a hideous light from our entranceway and replaced it with an Ikea chandelier. We intended the latter for our dining room, like we had in California, but this model's use of both electric lights and candles included components made it too long to hang over our table. Luckily it works well in this spot. Thus, we still have to find something for the dining room and also for the guest bathroom.
We found a good deal on cut and split wood so we ordered four face-cords and they delivered it today. I moved the pile into our woodshed. This will serve well for backup if we lose power during the winter or just want the ambiance of running our wood stove with its front door open (like a fireplace).
The previous owners of this place built a butt-ugly large lean-to out of scrap metal sheeting from the neighbors' collapsed barn and some pressboard out along our upper driveway right where everyone sees it as they arrive. Thanks, losers. Thanks for the chance to use the new reciprocating saw! Woot! Nice toy! No more shed!
The little shed closest to the house has been Kelley's playhouse for some time. Today we started the plan to make it more colorful. Grandma and Kelley applied primer to about half of the outside. This will help reduce the weathering and allow a good base for a more colorful place for Kelley to enjoy her time outside. Stay tuned for more photos as we bring that place up to a girl's standards.
We drained another 30 or so gallons of oil from the fuel tanks in the basement. Gave some away, sent email to everyone I work with hoping someone would want it, but no luck there. No sign of it stopping yet.
The old and the new.
The unpainted playhouse.
Applying primer.
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◦To provide quilts & bring recognition, hope, and warmth to the lives of ALS patients
◦To raise funds for research for treatment and a cure
Please give the gift of a quilt to warm the life, the heart and the lap of an ALS patient, and help raise awareness and research money for ALS – Lou Gehrig's disease. To be a part of the Hopes & Dreams Quilt Challenge - Simply fill out your entry form and donate your quilts today.
Here's the link if you want to know more.I packed up a small scrap quilt to send off tomorrow. It needs a new home.


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I've been teaching Intro to Psychology for years now. It's the same old thing and I tend to deliver it the way that I was taught it, over 15 years ago. It's lecture heavy, with a few student research presentations. As I've finally got some down time to prepare for my May Psych course and I have a wonderfully small class size this time around, I've decided to switch it up and Webquests seem like a terrific way to start.
As I did a google search, I realized that there are a ton of psych Webquests already out there! I will definitely be using some that already exist. In particular, this one stands out to me.
I have decided to take this Webquest about understanding psychological disorders and modify it a bit to fit my lesson plans and objectives. I will remove some of topics, such as autism, which is not actually a psychological disorder, and I will also add a few topics, such as postpartum depression.
As there will be 12 topics to choose from, I will assign each student 4 topics and have them in groups of 3. They will create powerpoint flash cards based on their assigned topic and then they will share them with their group mates so that each group has a completed overview of all 12 topics. Students will be given some class time to complete this webquest, however outside time may also be necessary. This Webquest will be in lieu of the entire chapter on Psychological Disorders, giving me more class time to focus on other things. This will also allow students to become more engaged in the topic, as they are not just tuning out my lecture and powerpoint presentation. On a more interpersonal level, it is my hope that while the students are searching for information, they may come across links and/or resources that may be useful to themselves or someone they know.
Some helpful websites that I will suggest to the students include:
The Encyclopedia of Mental Disorders
The National Institute of Mental Health


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Metallica's newfound movie-star status is keeping the band busy promoting its upcoming concert film, but not too busy to take the stage to do what they do best.
Continue reading…
Get it straight from the source at Ultimate Classic Rock Radio.
Concert Tour Schedule
Find 2018 Tour Tickets
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Brought to you by Rock-Concerts.net
The Eagles Tour Dates � Godsmack Tour Dates � Bad Company Tour Dates � Nickelback Tour Dates
AC DC Tour Dates � Foo Fighters Tour Dates � Tool Tour Dates


text: By the end of the day, we noticed the plant "arching" over towards the window. An hour before the end of the day, we turned the plant away from the window and by golly that plant returned back to the side where the window was. We thought it would take the entire weekend and it gravitated towards the light in less than a hour! The kids really think this plant is a little miracle!


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How did you celebrate Presidents' Day? If you celebrated it like I did, you worked. Not many people get Presidents' Day off anymore, it seems. But, since the President doesn't seem to get the day off himself, I guess that's OK.
If I had gotten a holiday, though, I would've almost certainly probably celebrated it by watching a movie with a president in it. And I would've had plenty to choose from.
According to the Internet (which is, as you know, never wrong), at least 180 have been made that feature American presidents (not counting fictional presidents, like Thomas J. Whitmore from Independence Day). Of the 44 presidents the United States has had thus far, 38 have gotten their own movies--or, at least, some fictionalized cameos. Abraham Lincoln has addressed the most screen time: A total of 25 actors in 28 separate movies have played our 16th president, from Joseph Henabery in D.W. Griffith's classic (but horrifically racist) The Birth of a Nation to Tom Amandes in this year's Saving Lincoln (now in very limited release). He's backed up Bill and Ted in an Excellent Adventure and spent some time as a vampire hunter earlier this year. And in a week, doppelganger Daniel Day-Lewis could take home an academy award.
It got me thinking about my favorite Presidents--not politically, but cinematically. Here, in the order you would've found them in your American History class, are my top five.
a thing or two about this movie. But let me say one thing more: While Day-Lewis has earned plenty of accolades for his work before, this role may make his memorable turns as Christy Brown (My Left Foot), Bill the Butcher (Gangs of New York), Daniel Plainview (There Will Be Blood) and all the rest look like mere preamble to this towering achievement.


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Be the first PennLive.com user to add photos or videos of Sabrina's Cafe
I'm a big fan of the brekky burrito, so i went on the Barking Chihuahua recommendation onlie. So glad i did! Great flavors & I'm currently breathing very deeply due to the volume. Bit of a wait dud to popularity but they moved through it quickly & we didn't feel rushed either. Will be back when I'm next in town.
Brought out of town friends here because I promised a great meal. The meal was overall pretty good, but there were a few things that stuck out. First, the server didn't know if something was actually vegan, or just vegetarian. That could potentially end in disaster. Another hitch was the lack of air conditioning. It was HOT that day, so some extra airflow would have been much appreciated. ...
Serving two locations in Philadelphia, Sabrina's Cafe and Sabrina's Cafe and Spencer's Too are charming neighborhood BYOB that offer creative comfort food in a warm and friendly atmosphere.
Sabrina's Café has had pleasure in serving local business's and organizations in our two fantastic locations, but now would like to bring our food and services to your office or building. With a...


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batman montage
Originally uploaded by mincaye.
Ducard: But if you make yourself more than a man, you become something else altogether.
Wayne: And what is that?
Ducard: A legend, Mr Wayne.
David and I were talking about legends at the recent reunion at Sam's. It all started when we realised he was known by d'NAers he'd never met, as a philosopher whose mind is beyond understanding, or else some deep, complex guy who is indecipherable.
In other words, David had become a legend, which he defines as a state of being, in which a person's reputation goes way before his presence. Perhaps each of us are legends within certain circles, especially those in which we have had--and maybe even still have--great influence.
And when a person becomes a legend, he becomes vulnerable. On the one hand, a legend must perpetuate his own great myth to remain a legend; to admit any sense of parity with 'normal' people would be to deny the great 'legend' mantle he wears.
But the truth is, all legends--especially the great ones--do not walk alone. We all know that Batman is the only hero without a superpower. And more than any other hero, we see a broken man, held together in no small measure by the faithful and fatherly Alfred.
Batman Begins actually goes a long way to show the emotional core of Batman, and the true role Alfred plays in Bruce Wayne's life: not that of a butler, but of a friend. As I'd written in an earlier entry, Alfred says to Bruce near the climax of the movie:
Alfred: Why do we fall, Master Wayne? So that we can learn to pick ourselves up.
Bruce: You haven't given up on me, have you, Alfred?
Alfred: Never.
Maybe, at this point in life, I can identify with Bruce/Batman quite a bit (and NOT because we share the same initials!). In some circles, I have become legendary; people think I'm smarter and more capable than I really am, hence the flurry of assignments from all corners of the school.
If not for the Alfreds who continue to encourage me, who know the real Ben beneath the public facade, I do not know where I would be now. Maybe still stuck in that cave, or in my own world of remorse, guilt and darkness.
By the way, if you haven't watched the movie, go and watch it! Even if you don't like Batman. As one critic put it, this is the story of the Dark Knight, not the Caped Crusader. It really makes for great philosophical conversation.


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April 5, 2016 MLC
Elder Hinton and Elder Whyte were teaching on planning. They put the mission leadership into groups and gave each group a senario they might come up when teaching an investigator; like Word of Wisdom, etc. They had to discuss how they would plan for the lesson in companionship planning.
The discussions were well thought out.
The missionaries are encouraged to use their iPads, especially the LDS Pamphlets app.
Everyone was contributing to the discussion.
While listening, I could tell why this was the mission leadership. they are all quite involved.
President Russell listens in.
They used the scriptures, Preach My Gospel, and the iPad.
Elder Wardle is standing with crutches because a few weeks ago he thought he could stop a car from hitting a cement barrier with his knee.
Elder Blackwelder is leading this discussion.
The ideas were amazing.
Some weren't quite as focused.
This break-out session was exceptional.
There were some great ideas shared to take back to their zones and districts.
We had a special guest speaker. Sister Christine Taylor, a recent convert came and shared her conversion story with us. Her missionaries were Elder Lambert (with the thumbs-up) and Elder Gage. Elder Watson was companions with Elder Lambert when they first began teaching her.
As always, our office missionaries fix the best lunches! Here is Sister Phipps (in front) and Sister Sutterfield (behind) preparing a wonderful meal!
And Sister Christensen sets out the cups and napkins.
We get back together for more training and a prayer on the food.
Our beautiful Sisters!!
Elder Halam.
Our wonderful Elders, and Elder Halam (he's wonderful as well).
More Elders, and Elder Halam can really get around.
Sister Taylor stayed for lunch, we were so happy to spend a little more time with her. Elder Watson is sitting next to her.
More amazing Sisters...and Elder Halam.
This is a happy bunch!
Sister Connelly and Sister Holiday are two of the most cheerful, fantastic Sisters ever!!
More handsome Elders.
Everyone is enjoying lunch.
Elder Harrison is truly one of the best of the best. Elder Johnson (behind) is pretty great as well.
President Russell, Elder Whyte, and President Cropper get ready to begin again.
I am able to stand next to this good-looking guy!
I have never seen Elder Carter (left) without a smile! Elder Cluff is having fun as well.
Look out for these four!! Elder Thompson, Elder Arias, Elder Bushman, and Elder Gage, they look like trouble (but they really aren't).
Elder Huntsman, Elder Tonini, and in the back, Elder Blackwelder.
Dessert!!! Elder Moser, Elder Opper, and Elder Etherington.
Sister Sutterfield and Elder Black are having a deep discussion.
Lunch was a success, as usual! Sister Christensen with Sister Phipps and in the back, Elder Dopp with Elder Sutterfield.
MLC would not be the same without a selfie with Elder Black!


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Be the first NJ.com user to add photos or videos of Gold, Robert S, Dds - Randolph Oral Surgery Ctr
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My daughter needed her top jaw realigned. Dr. Rosenbaum's staff helped with all the insurance paper work. The office staff is the friendliest. We were always treated like special friends. I am sure everyone is treated like that. Dr.…


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Wednesday, April 28, 2010
The not so Happy meal.....
In complete honesty I was somewhat shocked when I read this article about banning toys from kids meals. I am all for kids eating healthy and what not but I also think the responsibility for an obese child should fall directly on that child's parents. Taking away a toy is not going to stop lazy parents from feeding their kids fatty meals morning, noon and night. I am a full time working mother who probably once a month stops by the drive thru of the golden arches and gets my kids a happy meal because I'm either too exhausted to cook or I don't have anything defrosted. My kids are perfectly proportioned due to the fact that I do make sure they eat healthy meals but once in a while I think I deserve a break and they deserve a treat. Most fast food places have choices in terms of drinks and sides that can be substituted for fries and soda. My children typically get one Happy Meal to share (my youngest is only 1) that is one hamburger, a chocolate or regular milk (depending on my oldest's mood) and whatever the fruit selection is. They are both extremely active children who eat well every other meal. Taking away a toy is not going to make for less obese children it's just going to upset some that they can't have a toy.
Posted by Rydell Happenings at 11:32 AM
Labels: healthy eating, kids meals toys, obese children
1 comment:
- missybear97 said...
That is so dumb! I wouldn't stop buying "happy meals" or any other children's fast food meal just because they don't come with a toy! I will admit my kids enjoy the toys but what's next...get rid of the unsanitary indoor play systems too? I agree with you that it is ultimately the responsibility of the parent to provide healthy meals to the children and throwing out the toy isn't reducing the calorie count or the appeal of a fast meal for busy working parents! Those people probably don't have kids who make those decisions!
- May 3, 2010 at 9:34:00 AM EDT
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Wednesday, September 17, 2008
Gregg Kowalsky - Through The Cardial Window
Label: Kranky
Released: 2006
Style: Minimal, Ambient
"For Through the Cardial Window Gregg Kowalsky used mic'ing and recording techniques to pull out hidden textures and frequencies from sound sources as diverse as recordings of the Mills Ensemble (he filtered a piece he wrote for the group through the pickup of an acoustic guitar), bowed acoustic guitar and a broken floor heater. "Into the Marshes They Drove Me" contains source material from the band Isis. Kowalsky made a track, using tones, harmonics and feedback loops. The music he creates is situated betwixt and between textural ambience, psychedelia and pure noise." - Label
1 Ashes From Evermore (7:15)
2 That In Allepo Twice (7:33)
3 Into The Marshes They Drove Me (7:51)
4 Coral Gables (5:50)
5 Long Distance Decade (8:28)
6 Gara Note (5:02)
7 Tendrils (Guitar Pickup) (2:16)
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Label: Kranky Released: 2006 Style: Minimal, Ambient "For Through the Cardial Window Gregg Kowalsky u...
Label: Touch Released: 2002 Style: Glitch, Abstract, Experimental "Fennesz has attracted a large amount of attention of late, largely d...
Label: Modern Love Released: 2009 Style: Techno, Dub Techno "Since their 2003 debut 'Trouble At Mill', Pendle Coven have produced seven...
Label: Mille Plateaux Released: 2002 Style: Abstract, IDM, Minimal "Now with Tender Love, SND ...
Label: Rephlex Released: 2005 Style: Electro, IDM "This is the fourth release in synth-pop Londoner DMX Krew's (Edward Upton, Ed DM...
Label: Important Records Released: 2009 Style: Jazz, Rock, Western "This band is tight but they are comfortable enough in each other's ...
Label: Biophon Records Released: 2001 Style: Techno, Ambient "Only the second release so far on Biosphere's Biophon label. Tom Opda...
Label: Touch Released: 2001 Style: Abstract, Experimental, Drone "More oceanic 'calm of acceptance' than 'violence of disco...
Label: Somnia Released: 2008 Style: Dub Techno, Ambient "diving deep with hypnotic rhythms, sub-aquatic bass pulsations and reverberant...
Label: International Deejay Gigolo Records Released: 1999 Style: Electro "Another album from the amazing mind of Heinrich Mueller aka G...
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