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Financial Literacy for Academics
20 Jun 2014
By Sally Huynh
As an academic, you have devoted your life to teaching the next generation, preparing them to take on the world with confidence and success, or you've dedicated your time to the next innovation to help better the lives of people around the world. But have you ever stopped and wondered who is looking after you? Take a moment to consider:
- Is your family on track to achieve what's most important to them?
- Are you maximising your opportunities to secure your future financial position?
- What lifestyle will you be able to afford when you stop work or slow down?
- How much money is enough to do the things you want to do?
The reality is that you're probably too busy to pay much attention to your personal situation and so the above questions are often neglected and left unanswered. But you don't want to find yourself with retirement on the horizon and realise you've missed out on strategies which you could have implemented years ago to help safeguard and build your financial nest egg.
So below are a few pointers to help get you thinking about you and your finances:
Understand your real investment assets
"Investment" assets are assets which can generate income to support your expenditure requirement. This differs from a "lifestyle" asset which is there to provide comfort but no regular income. So, your family home might be in a beautiful suburb but it should be excluded in assessing your financial wellbeing because it does not generate an income to provide for your daily needs.
Your superannuation fund might be growing nicely with your employer contributing 17% a year and you contributing a smaller percentage. But what about the home mortgage, the novated car lease, the personal loan, the credit card debts, the upcoming family holidays, the long awaited home renovations? Although your superannuation account balance might be quite healthy you need to assess your situation taking into consideration all of your outstanding debts. For instance, if you have accumulated say $1 million worth of superannuation assets and you have debts of $400,000 plus the planned home renovations and holidays of $100,000, your real investment assets are only $500,000. Is this enough to ensure your financial security?
Know your financial target
We all know if we don't set a target it's harder to get to where we want to be or, if we do manage to get to our final destination, there might have been a quicker route we could have taken. The same concept applies when it comes to achieving financial security, you must know your financial target. If you decide you need $50,000 a year to live on you would require approximately $1 million in investment assets from age 65. However, in my experience $50,000 for most academics is usually not a sufficient amount and generally the requirement is much higher usually between $80,000 to $100,000 per year. In addition if you want to retire before aged 65 then your target would need to increase accordingly.
It's essential then that you understand how much you need in order to achieve a 'comfortable' lifestyle and put in place practicable steps to help you get there.
Have a clear and practical debt elimination plan
It's important that you have a clear and practical plan to repay any loans or debts you have because, when your last pay cheque comes in, any outstanding amounts will expose you to cash flow constraints.
An effective debt elimination plan requires a good understanding of your cash flow (i.e. how much you're bringing in after tax, how much you're actually spending and what is your real savings capacity).
Pre versus post tax salary sacrifice
Understand the different ways of paying money into superannuation and what will work best for you. Currently, the pre-tax limit (known as concessional contributions) is capped at $30,000 for people under 50 and $35,000 for those over 50. The post-tax limit (known as non-concessional contributions) is capped at $180,000 per financial year or a total of $540,000 over a three year average. If you're in a Defined Benefit Account, there is a different set of calculations which determines your available concessional limit.
Superannuation investment strategy
Most of us want to see our superannuation grow as much as possible but how many of us actually understand what we're invested in? This is money that needs to last the rest of your life when you retire so it is certainly worthwhile making the effort to understand different investment options and then pick the one that best suits you.
Bringing it all together
As someone who values education there's no time like the present for you to learn about how to make the most of your financial situation. So start thinking about you and seek professional guidance from your award winning team at Shadforth. Together we'll help you achieve financial security and peace of mind so richly deserved by you and your family.


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Why So Many People Wear Cycling Polarized Sunglasses
07/15/2014 Sunglasses & Sport Glasses 0
When you are outside, you will find that there are many people wearing cycling polarized sunglasses, particularly in summer. It is said that so many people wear this sunglasses due to the following aspects. This sunglasses is highly qualified, made…
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Submit your Page, Blog or Business
AUN Korea All Seoul Tours: JSA tour | DMZ tour
You'll have the experience walking thru an underground tunnel designed to fit people and a tank, created by the North Korean side for the purpose of invading the South. Under heavy surveillance this it is the greatest opportunity to see the North Side thoroughly. You will also be able to visit the Dorasan station that will be the gateway to connect Korea to Europe.
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Resolves Quotes
Where there is a will there is a way. is an old true saying. He who resolves upon doing a thing, by that very resolution often scales the barriers to it, and secures its achievement. To think we are able, is almost to be so - to determine upon attainment is frequently attainment itself. - Joan Rivers
Typically, when the muscle fibers tear there is a little bit of bleeding in the injury. That gives us an idea of the extent of the injury. How that resolves that is the question. If it starts feeling a lot better, we may repeat the MRI at a future date to see if it looks much better. It may. - William Raasch
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Buxton ABC youth welterweight Adam Mears began the new boxing season with victory.
He was matched in Bolsover and went straight to work upon hearing the first bell.
He made a strong start and took his opponent by surprise as he connected with powerful, straight combinations.
A strong first round from Mears saw him press and pressure on the front foot.
This forced the referee to jump in and deliver a standing count in the latter stages of the opening round.
The bell for the second saw a game opponent come out aggressively.
He forced Mears to fight fire with fire and retaliate with his own power shots to body and head.
In a highly-competitive contest, both lads continued to press for the upper hand, Mears forced to stave off a very durable boxer and reply with strong straight shots to the head.
Continuing his impressive work rate, Mears was rewarded by seeing his opponent tire towards the end of the round as he took the second.
The final round once again saw his opponent come out with purpose and gusto, forcing Mears to leverage an effective defensive.
Fitness shone through down the home straight as Mears was able to maintain a good tempo, resulting in increased scoring and success.
This was a good opening victory for Mears as both boxers were congratulated by the referee on a hard-fought bout.
Joe Russell moved on to his East Midland final against Grimsby opposition.
This was an excellent and intelligently-boxed contest throughout between two well-matched and strong fighters.
The Buxton corner felt they had done enough to take this one, but the decision was awarded to the other corner.


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The Israeli aggression has targeted the destroyed Hospital of Quneitra with a number of tank shells and one of the observation centers in Jabata al-Khashab, SANA reported.
He pointed out to reports about targeting Tal al-Dir'ea in Quneitra with a number of shells and material damages only.
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Tehran, Feb 11, IRNA – Syrian media said on Monday that the Israeli occupation launched aggression on Quneitra with material damages only.


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Thank you to the wife for organizing a surprise birthday gathering and everyone who was able to make it out! Special thanks to @mickeyhaha85 and @tania.lam.aves for the Muse! Definitely going to be using it regularly. Thanks to everyone who messaged me today on my birthday but I'm still going in denial that if it's not acknowledged, it doesn't count. Be sure to check out the last picture though, Carmen left a pretty good comment that I couldn't think of a comeback to. I must be getting old 😆
[Proudly Supporting]
Made with Medalist


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Just signed up for the 160km distance of the DGI Hærvejsløbet cycling race next summer.
First MTB race
Did my first MTB race on Sunday. The Carl Ras MTB Challenge. I did the 25km route. It was super nice and I'm very happy with my time of 1:35. Definitely doing more mountain bike races from now on. It was super foggy and chilly in the morning but thankfully it let up as the race started and we got very beautiful and warm autumn weather. Unfortunately I dressed for the cold foggy weather so I was a sweaty mess at the goal line.
Today started out sunny and warm and is ending now with thunderstorms that, having not been on the weather report, I'm not prepared for at all. I went to work wearing shorts and t-shirt. Oh well, it's fine, it's only water after all. Work was good, we made good progress on the Thing I'm working on. Questions were answered and user-interfaces were built.
Took the long ride home from work today. It was super nice, had never cycled in that area before. Met some Icelandic horses too.
We took a walk today and passed upon Leftside. Leftside is this awesome part of Northside Festival where everything is free and people (though mostly the sponsors) bring beer, wine and snacks to share with everyone else. You also need to cross the river to enter.
Thanks for the past 5 and half or so years, Valtech. It's been a pleasure.
Arrived at Billund for our flight to Stockholm. Gonna be a nice weekend to visit that city again.
Easter bike trip planning
Planning for our Easter bike trip across Jylland continues. We bought some saddle bags last week which arrived Friday and Saturday, and today a box arrived with tubes, co2 canisters and an inflator. The router is mostly locked down and we have found a shelter to camp in for the first night. We just need to find shelters for the remaining two nights of the trip, and from that find out our route. Thankfully there are a lot of shelters in Jylland so that shouldn't be an issue.


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Welcome home!
This cozy two story home in the wonderful Overland neighborhood features 4 bedrooms, 3 bathrooms, vaulted ceilings, a spacious living room, two fire places (one wood burning, one gas), an attached 2-car garage and a huge backyard with separate gated entrance.
Located just a couple miles East of Elizabeth, this home gives you a nice laid back setting while just being 5 minutes from grocery stores.
This conveniently located home is only a 25 minute drive from Parker or Castle Rock, so if you need to commute it won't be a problem.
Come take a look! Gas fire place, patio furniture, window a/c included.
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In a flashback sequence, Stefan reveals the Salvatore family history to Elena. Elena demands that Stefan explain the frightening events that have been happening in Mystic Falls. In flashbacks, Stefan explains how his rivalry with Damon began. Back in the present, Damon impulsively takes control of Vicki's future, and a confused and frightened Vicki runs away. Finally, Sheriff Forbes and Mayor Lockwood take steps to protect the town.
Season 1 Episode 6 of The Vampire Diaries resulted in a 0.00 rating in the 18-49 demographic.
Based on novels of the same name, Vampire Diaries follows Elena, a young heroine, who is the object of passion for two vampire brothers. Four months after the tragic car accident that killed their parents, 17-year-old Elena Gilbert and her 15-year-old brother, Jeremy are still trying to cope with their grief and move on with their lives. Elena has always been the star student; beautiful, popular and involved with school and friends, but now she finds herself struggling to hide her sadness from the world.
As the school year begins, Elena and her friends are fascinated by a handsome and mysterious new student, Stefan Salvatore. Stefan and Elena are immediately drawn to one another, and Elena has no way of knowing that Stefan is a centuries-old vampire, struggling to live peacefully among humans, while his brother Damon is the embodiment of vampire violence and brutality. Now these two vampire brothers - one good, one evil - are at war for Elena's soul and for the souls of her friends, family and all the residents of the small town of Mystic Falls, Virginia.


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With a complete Visual Interface package, ExtJS features hundreds of high-performance, pre-tested and integrated components including forms, grids, calendars and advanced graphics that allow you to easily manipulate millions of records.
The framework also includes a robust data manipulation package that lets you consume data from any backend data source. With the Sencha Pivot Grid and D3 adapter packs, applications extend the power of visualization and data analysis capabilities.
The rich set of tools and themes help to improve development productivity and accelerate the delivery of large web applications. These tools are available to assist in designing, debugging, optimizing as well as compiling and deploying the application itself.
ExtJS includes one of today's most comprehensive, pre-tested, integrated, high-throughput component collections. These components include D3 adapter, trees, lists, forms, grids, menus, toolbars, panels, windows and more.
The grid component allows you to handle data in the most flexible and high-performing way, and you can also group data, freeze columns, and summary rows.
The calendar component helps you simply view and manage event programming information for your applications. This component is easily extensible according to your need, without the need to invest much time in customizing it.
Here's a demonstration:
ExtJS enables the addition of powerful analytical capabilities to applications through the Sencha Pivot Grid (functionality similar to Microsoft Excel PivotTable). It allows users to summarize, group and analyze data in a multidimensional way to aid in the decision-making process.
Pivot Grid and Grid have the ability to export data in a number of formats, such as XSLX, XML, CSV, TSV and HTML, with the possibility of choosing which data will be shown in the process document export and style setting.
Here's how it works:
The D3 Adapter (putting a link in the word "D3" address https://d3js.org/) lets you add sophisticated views to your application, such as heat maps, tree maps, and more. You can create dynamic views that do not only tell one side of the story of your data, but also help the user to explore them as a whole.
The Graphics component suite allows you to view data across a wide variety of static graphics - including line, bar, pie, among others. All graphics were developed using SVG, VML and Canvas technology. And the cool thing is that browser variations are automatically managed by the Browser, so graphics are always rendered correctly. They also support gestures for mobile applications such as zoom, pan and pinch.
Backend Package
The complete data package included in ExtJS allows you to have great power in the data layer, creating collections with the models that represent your data, adding the possibility of filtering and sorting the data, as well as summarizing and grouping.
The data packet is agnostic to protocols, and can consume data from any backend. By coming with session management you can minimize the round-trip to the server to know the current state of the application, usually used to know if the user session is logged in, or if he does not in the application.
ExtJS includes a flexible layout manager to help organize the display of data and content across multiple browsers, devices, and screen sizes. You can control the display of your components, even for the most complex parts of your visual interface.
ExtJS also provides a responsive behavior configuration system, allowing the application to adapt according to device orientation (landscape or portrait) or the available window size of the browser.
ExtJS has the ARIA package that makes it easy to add support for accessibility to your applications and thus achieve compliance with section 508. Using the ARIA package, you can create applications that can be used by people who need assistive technologies such as screen readers to browse the Web.
The ExtJS components are available in various themes, including Triton, Classic, Neptune and Crisp. Themes are customizable to reflect the identity of a specific brand: that of your customer or your application. You can change the themes and leave them customized as you prefer.
Now imagine that you have a functional and consolidated desktop application that with all these features can further enhance it, transferring it to the Web with high quality components and features that will amaze from the commercial part to the development team.
Do you want to have all this power for your company, with a team trained and prepared through years of experience with providing services with this framework? BSource is fully capable of leverage your applications through training and mentoring on advanced web development and optimization techniques.


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TUtorial: Create a dynamic JavaScript Menu in Dreamweaver using FlexiMenus JS
In this tutorial we will re-create the menu from the Itsy-Bitsy sample page, using a database to create the menu structure. The design details of the menu (skin,color scheme, label fonts etc.) can be changed the same way as in FlexiMenusJS designer version, using the same interface parameters.
The Itsy-Bitsy menu
Note: Before starting this tutorial you need to create a website that uses a server technology (ASP, PHP, etc). Also, you need a testing server and a database management program.
If you don't a database already created for your website, please create an empty one before continuing.
Creating the data holding table
The most important part of this tutorial is the structure of the table that will hold the data for the menu. Take another look at the Itsy-Bitsy menu that we want to create. Vizualize its structure and how the different elements are connected with each other. All the elements of the menu will be stored the database and will be held in a table. Create a new table in your database and insert these columns in it:
- ID (unique) : used to identify each menu element (should be set as auto-increment)
- parentID : used to identify the parent for each element
- type : specifies if the element is a button, header or a spacer
- label : text to be displayed as label ( will not be used by spacers)
- link : button URL ( applicable only for buttons)
- target : the target of the URL (applicable only for buttons)
Now you can insert data for your elements that will be used.
For the "Clothing" button from the top menu we will have these values in the table:
- parentID : 0 ( the top buttons have no parent )
- type : button
- label : Clothing
- link : "./clothing.php"
- target : _self
For the "Girls" header from the clothing submenu the values should be:
- parentID : Clothing button ID, (in our case 1)
- type : header
- label : Girls
- link : null
- target : null
Here's a final look at how the table should look with the apropriate values for the Itsy Bitsy menu.
The Itsy-Bitsy menu data
Creating the recordset
Now that we have our data ready we have to make it available for the menu. We do that by the using Dreamweaver recordsets. This is how you create a new recordset :
- Open the "Server behaviors" panel. ( to open that panel go to "Windows->Server Behaviors" from the top menu )
- Click on the "+" button and select recordset from the list
- Select your connection to the database and then the table that you've created on step one.
- Test the recordset to see if it displays the correct data from that table.
Recordset configuration
Configuring the menu
In this section we will tell the extensions from where to take the data and how exactly to use it.
- Insert a new menu in the page that has the recordset
- Once you insert a new menu on your page, the FlexiMenusJS interface will open. In order to edit an existing menu you need to click on the "Edit menu" button to open the interface.
- In the left part of the interface you have all the parameters that have to be set to create your menu structure
- "Select recordset": choose the recordset that will be used to generate to menu structure
- "Select id column": indicates the column that holds the unique id of each skin element
- "Select parent column": indicates the column that has the ID number of the parent of each skin element
- "Select element type column": indicates the column that will be used to define the type of each skin element
- "Label": insert the column that holds the labels of the buttons and headers
- "Link": insert the column that holds the links for the buttons
- "Link target": insert the column that holds the target of the URL's
The menu configuration for our Itsy-Bitsy menu will look something like this:
The Itsy-Bitsy menu configuration
This was the final step in setting the structure of the Itsy-Bitsy menu. All left to do now is to set the design you want.
In behalf of all the Extend Studio team, thank you for following this tutorial!
- OS: Windows 2000 (and above).
- Environment: Adobe Dreamweaver CS3 and Adobe Dreamweaver CS4.
- OS: Mac OS X 10 (and above).
- Environment: Adobe Dreamweaver CS3 and Adobe Dreamweaver CS4.
Compatible Browsers : Firefox 3, Internet Explorer 6, IE7 ,IE8, Opera 9 and Opera 10, Netscape Navigator, Google Chrome, Safari 3 and Safari 4, Flock, SeaMonkey, Galeon, Midori, MidBrowser.


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Murder Mystery
Are you looking for something different?
An alternative entertainment for your customers?
Something special to close a corporate event?
Perhaps a special celebration needs a special entertainment?
Murder Mystery
With over 50 different plots and scenarios available and our unique brand of murder, mayhem and mirth, we have something to suit everyone. Whether you're a super sleuth or just want a good night out, our murder mystery events are for you.
Murder Mystery
We have themed events for all eras and occasions, from traditional English country manor mysteries, to modern day dramas.
Murder Mystery
Shows are team based, suitable for all ages and can be performed to audiences sizes ranging from 10 to 150.
Murder Mystery
As detectives, you will be tasked with answering three questions.
Who committed the murder?
How was the murder committed?
Why was the murder committed?
Murder Mystery
As teams enjoy the start of their meal, they receive some clues to help them start their investigation. There is, however, work to be done before the main course is served.
Our master of ceremonies will put detectives at ease and introduce the event. Detectives will then be introduced to the suspects as our team of professional actors present evidence which is vital to the detective's enquiries
Murder Mystery
Watch and listen very carefully detectives as you will soon confront the suspects "face to face" as they visit each teams to be interrogated. As your investigation gathers momentum more evidence will be presented, and further interrogation will take place. Following the second, and final interrogation teams are then given some time to deliberate, before submitting their conclusions.*


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National: Can US Elections Be Hacked? Security Experts Call For More Protections Against Election Hacking | International Business Times
More than one hundred security researchers and experts signed on to a letter sent to member of the United States Congress to warn of their belief that not enough has been done to protect against potential threats to state and federal elections. The letter, published Wednesday as a Senate Intelligence Committee hearing on Russian interference during the 2016 U.S. presidential election, argues many states are unprepared to respond to cybersecurity risks that may arise during upcoming election.The signatories laid out three primary suggestions for securing the electoral process and prevent against any potential tampering that may occur. First, the experts called on election officials to establish voter-verified paper ballots as the "official record of voter intent." Doing so would require phasing out paperless voting machines that offer no way to verify if a vote tallied by the system corresponds to the vote intended to be cast by the voter.Full Article: Can US Elections Be Hacked? Security Experts Call For More Protections Against Election Hacking | International Business Times.


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The Serlachius residency is a residency studio maintained by Serlachius Museums and Mänttä Art Festival and aimed for creative professionals working in the field of visual arts.
The aim of the residency is to create new connections between artists, researchers and curators. In addition to studio and housing, the residency offers contacts with local art professionals and possibilities for community-based projects of with people of Mänttä.
Housing for the residency is located in the culturally and historically valued park milieu on the lake Melasjärvi. Besides housing, guests at residency can enjoy working facilities of the Art Nouveau style building, Aleksanterin linna located alongside Serlachius Museum Gustaf. Read more!
Residency applications must be submitted via an online application form. The application period opens on 1 February and closes on 28 February 2019. Residencies are intended for creative professionals working in the field of art, such as artists, art historians, researchers or curators. Residency applications can be submitted by individuals for private work. Teams and groups of artists can also apply for a residency. During a residency individuals can concentrate on their own creative process, but a residency also provides an opportunity to interact with local people, visitors and the staff of Mänttä's art institutions. Read more!


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This is particularly significant in view of
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Ultrafast excitation dynamics of low energy pigments in reconstituted peripheral light-harvesting complexes of photosystem I. IPAs expect to move progressively into both budget holding cialis 20 mg and managed care with the gradual assumption of secondary care services purchasing.
Temperament, coping, and involuntary stress responses in preadolescent children: the moderating role of cialis 20 mg best price achievement goal orientation. Aiming at the preservation of the capacity to remain in a seated position to operate a wheelchair, lower leg rotationplasty was considered suitable for reconstruction.
The role of the laboratory in the development of scientific medicine. Methods for studying phagocytosis of microorganisms of the gingival buy cialis online crevice. Intraoperative findings demonstrated a ruptured aneurysm located on a bend of the proximal AChA in the carotid cistern.
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Discussion in 'Photo Themes' started by pilgrim, Apr 2, 2004.
Ok I give up how the heck is this done? I have attempted this several times and have no clue!
heres a couple shots i took a long time ago with my moms point and shoot and edited a while ago cause i was bored and curious how to do selective coloring.
for those who keep asking how to do it, there are many ways.
i personally went to gimp.com and downloaded that, its almost like a free version of ps and thats what i use to do the selective coloring and this is a great site to use
for a tutorial on how to do it once you dl the program.
i dont know if there is a online way to do it without a program but this was the easiest cost effective way i found.
In which program do you all do that in?
I really like Digital Matt's first picture
Some AMAZING shots in here, keep em coming guys! I made this one with MS Paint before I figured out how to do it with GIMP :scratch:
This is recent...
Two reposts but here ya go.
~Image deleted
Thread resurrection!
Separate names with a comma.


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The Right Way to Terminate Your Lawyer's Services. Lawyers are professionals who represent people in handling of any legal cases. A good lawyer is oneRead more
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Bringing people together to explore and engage in arts and culture through diverse in-house exhibitions.
DAC Arts Education department provides excellent adult and youth
education in the arts within a cooperative and inspiring learning
Joining the forces of creativity, collaboration, and community.
DAC provides Durango and surrounding communities' opportunities to
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through in-house educational art programs, exhibits and performing art.
News and up to date information about what is going on at Durango
Arts Center. Check back often for current events and happenings in and
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Providing Durango and surrounding communities' opportunities to
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The arts– similar to science and technology–require research, investment and ongoing support to thrive and evolve.
"I want to say to you: doubt can be a bond as powerful and sustaining as certainty."
Local favorites Maureen May and Jason Lythgoe star in John Patrick Shanley's stunning play, which won both the Pulitzer Prize and the Tony Award for Best Play in 2005. Set against the backdrop of a 1960s America in the midst of political and social change, a progressive young priest's conduct comes under question by a nun whose beliefs are deeply rooted in tradition. This powerful piece takes audiences on a remarkable journey of authority, suspicion, change, religion and of course- Doubt.
All seating is reserved. If you want to be seated next to another party or have special seating needs, please make a note here. For instance, if going up stairs doesn't work for you, let us know. Last minute switches are often impossible. You may pick up your ticket at Will-Call beginning 40 minutes before each performance. No printed ticket is necessary. All ticket orders are final and non-refundable.


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What is happening in…
Reading: We are beginning our second reading unit that focuses on non-fiction text. Encourage your child to share a new fact they learned from their books!
Writing: Students are finishing up their narratives for our first writing unit. By the end of the week your child will be a published author in our classroom and their book will be added to our classroom library for their classmates to read. Pictures to come!
Math: We are continuing with Unit 2 in math, focusing on addition. This will include various math games that allow students to practice addition strategies in an engaging way. It also involves solving number stories and building understanding of how we use them. For example, in one lesson later this week students will discover the importance of using units when solving number stories.
Phonics: Last week we began to get really involved in our phonics lessons. Every morning we come together as a class and study a different name from our class. Included below is a picture of an anchor chart we use.
Spelling: This week, students will have their first official spelling list and quiz. The quiz will take place on the following Monday, September 30th. I will be sending home the list of words. Students will practice reading and writing these words everyday in class. If students are also practicing at home, encourage them to do rainbow writing! They get to use different colors while writing the word several times, its a win-win!


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By Mildred J at September 05 2019 09:08:22
What should be included in the business plan? Without being too prescriptive, there are certain necessary elements which need to be included. Such elements are: · Preliminaries _ such as contents, contacts and definitions; · An executive summary; · A description of the business; · A review of the market, the competition and market positioning; · The vision, mission and objectives; · The corporate strategy; · The plan for developing the products and services; · Financial projections; · An outline of the risks and opportunities; · A conclusion.
So here is how you would do it: Projected sales = fixed exp (足ꯠ) divided by 1_ƖǑ% + 27ǔ% + 12ǔ% + 25% (your new profit margin) = 造같 (new sales). You can do this for as many years out as you want. Obviously this is based on your first year's fixed expenses remaining constant and no consideration of depreciation, inflation, or taxes.


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From Donna:
Our region of Montana has experienced above normal rainfall. If you're traveling to Glacier National Park soon, pack a raincoat! Curious about the status of Going to the Sun Road? Check snow plowing progress here. It's still going to be awhile before the road opens to vehicular traffic. In the meantime, marvel at 2017 photos of the plowing at the Glacier National Park Flickr account.
No hike to report for this week due to all that rain. The wildflowers are sure going to pretty when Alan and I finally hit the trail again.
And about my healthy eating plan that I introduced to you last week: I'm following the advice in Always Hungry? by Dr. David Ludwig, which includes 3 phases. I've been testing Phase 1 (not totally following all the rules until after my birthday) but will officially start this Wednesday. Even so, I've lost an inch on my hips and 1% body fat but no movement downward on the scale yet. How do I feel? Energized! Alan raved about the bacon wrapped stuffed chicken that I made from the Wheat Belly blog. Adding good fat back into my diet has been the key. Thanks for letting me stay accountable by reporting my progress here. If you have questions, send me an email.
From Nicole:
Well, summertime is here and that means I'll be taking some time off here and there. Yes, it's officially too hot to work here in Madrid. Well, that and my family is coming to visit. They've been here a few times, so we'll be blowing off the capital to head up north to explore the Cantabrian coast. Have you been? It's a beautiful area of Spain that many tourists don't get to if they're short on time. Hopefully, I'll be back with some nice photos!
Have you seen our Alaska Travel Planning page? It's a must-read before planning your next trip to Alaska.
This Week's Articles
The east coast has tons of interesting options for road trip travel. This week, guest writer, Cheryl Rodewig, takes us on a beautiful road adventure through the Delaware Valley.
Thinking about an Alaska cruise? Donna shares tips on how to choose the best Alaska cruise.
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Want to see the bluest water in the world? Travel + Leisure shows you where to find it.
Looking for cute tiny towns in Alaska? This road trip itinerary from Alaska Life will take you there.
Or maybe you'd like to visit a charming European village. Afar documents 13 to add to your European travel plans.
We're featuring travel to Canada in July's newsletter. Subscribe here and we'll send you 101 Baby Boomer Travel Tips!
That's all for now but we really want to hear from you. If you have a question about travel or suggestions for our next boomer road trip eguide, please send an email through our contact page.
Disclosure: Affiliate links are included for your convenience. However My Itchy Travel Feet receives a small percentage of the sale at no additional cost to you.


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Soda Bar presents
No Vacation
Okey Dokey
The Irenic
3090 Polk Ave.
San Diego, CA, 92104
Doors 7:00 PM / Show 7:30 PM
This event is all ages
Watch & Listen
No Vacation began in early 2015, and quickly received attention for the nostalgic bedroom-pop sounds off of their debut mixtape, Amo XO , and surf-rock single, "Dræm Girl". A few months following the release of their second mixtape, Summer Break Mixtape , No Vacation went on an indefinite hiatus. Sabrina Mai, Marisa Saunders, Nat Lee, and Harrison Spencer officially reassembled in 2017 after playing shows under various names and a few line-up changes.
Since their reunion, No Vacation has released their most notable single, "Yam Yam" off of their newest EP, titled Intermission. As they transition out of San Francisco, No Vacation will bring the novice "dreamy bedroom-pop" sounds of Intermission to Brooklyn.
$13.00 - $15.00
Sold Out
Who's Going
Upcoming Events
The Irenic
- Sorry, there are currently no upcoming events.


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[ soo-per-fish-ee-eez, -fish-eez ]
/ ˌsu pərˈfɪʃ iˌiz, -ˈfɪʃ iz /
noun, plural su·per·fi·ci·es.
the surface, outer face, or outside of a thing.
the outward appearance, especially as distinguished from the inner nature.
Words nearby superficies
Dictionary.com Unabridged Based on the Random House Unabridged Dictionary, © Random House, Inc. 2019
Examples from the Web for superficies
If A be really a proprium of superficies, it cannot be also proprium of body.Aristotle|George Grote
Therefore the supporting of salt in water is not owing to its superficies being increased.
"This is serious," observed Mr. Prohack, tapping enquiringly the superficies of his digestive apparatus.Mr. Prohack|E. Arnold Bennett
Therefore it is probable that the air coming upon the superficies of the oil keepeth it fresh and new.Essays and Miscellanies|Plutarch
Is not all nature physiognomy, superficies and contents, body and spirit, external effect and internal power?
British Dictionary definitions for superficies
/ (ˌsuːpəˈfɪʃiːz) /
noun plural -cies rare
a surface or outer face
the outward form of a thing
Word Origin for superficies
C16: from Latin: upper side, from super- + faciēs face
Collins English Dictionary - Complete & Unabridged 2012 Digital Edition © William Collins Sons & Co. Ltd. 1979, 1986 © HarperCollins Publishers 1998, 2000, 2003, 2005, 2006, 2007, 2009, 2012
Medicine definitions for superficies
[ sōō′pər-fĭsh′ēz, -fĭsh′ē-ēz′ ]
n. pl. superficies
The outer surface of an area or a body.
External appearance or aspect.
The American Heritage® Stedman's Medical Dictionary Copyright © 2002, 2001, 1995 by Houghton Mifflin Company. Published by Houghton Mifflin Company.


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Poor end of year masks good season for McBride
Bond Street Beau and Broughton's Flare brought Team McBride's 2019 season to a premature close with both unable to make any impression in their respective runs this week. Bond Street Beau finishing 8 1/2L behind One One Seven at Wolverhampton and Broughtons Flare 7 1/2L behind Beepeecee at Lingfield both 9th of 13 runners. The yard havi ...
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