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|Professional Automotive Repair Technical Discussions for July 8, 2006
International Automotive Technicians' Network (iATN) - Members Only
|(Also Available: All, Asian, Chrysler, European, Ford, GM.)
|Vehicle Owners: If you are seeking an automotive repair professional to service your vehicle, visit the iATN Repair Shop Finder.
Open Help Requests for All Makes and Models
|Help Request
|1993 Buick Century Special 3.3L AC compressor VIN: 3G4AG54N8P
A.C. works At time's, When it is operating it is very cold, what is happening compressor will shutoff or at times never come on. Scan tool shows ac commanded on when it should be on, The relay chatters somtimes causing clutch to cycle on&off rapidly, I checked...
|1994 Buick LeSabre Custom 3.8L electric windows VIN: 1G4HP52L7R
Hi, folks. This vehicle intermittantly draws enough power to trip the circuit breaker for the power windows. Customer complaint is that the power windows do not work. The one time I managed to catch the problem, I pulled the breaker, (it was hot) but after rei...
|1999 Chevrolet C1500 Suburban 5.7L No Start, Stall VIN: 3GNEC16R8X
Hello everyone. This vehicle came into our shop with customer complaining of engine stalling. This was happening about once a week. The engine would always start right back up. I hooked up the Solus and found no current codes in the system, but it did have a P... Trouble codes: 1626 (Loss of serial communication with VTD), 1631 (Invalid password)
|2003 Chevrolet Avalanche 1500 North Face 5.3L 1st gear VIN: 3GNEK13T93
hello folks,got a strange one here and i hope all the superb minds of this great site can shed some light on the subject!!here goes...neighbors truck,took to shop to service trans,was fine for about 2 weeks and went to tow his boat when he noticed it was slipp...
|1995 Chrysler Sebring LX 2.5L No Start VIN: 4C3AU42N8S
Car was towed in. Has no spark. Computer is not powering the ASD relay. Computer will not communicate with Master Tech scan tool OBD global or Chy specfic. Checked all power and grounds (all data) checked DLC connections all ok Replaced computer (old one was...
|1999 Chrysler Cirrus LXi 2.5L Stall VIN: 1C3EJ56H4X
Hi Folks This Cirrus will drive fine, with no MIL on, and engine running fine. With engine at full operating temperature, and maintaining engine rpm between 1500 and 1900 rpm, the engine will loose power and eventually stall. To this point the engine has not ...
|2005 Chrysler Crossfire SRT-6 3.2L Poor Idle Quality, Surge, Stall VIN: 1C3AN79N85
Hello! I have this Supercharged Crossfire that runs VERY bad on first start up, acts like a bad MAP sensor on a NORMAL car. Loads up real bad, will not idle on it own, very low vacuum reading on a gauge. Anywhere from a minute to several minutes, the engine j...
|1995 Dodge Ram 2500 5.9L Charging VIN: 1B7KF26C9S
truck came in with a charging problem and no tach operation.replaced speed sensor and corrected tach but not charging.vehicle will discharge batteries after running 20-30 miles. gage shows normal for a few miles and then starts to overcharge.after a few miles ...
|1997 Dodge Ram 3500 8.0L Cooling Systems VIN: 1B6MF36WOV
I have a 1997 dodge V10. After the thermostat opens up, the cooling system creates air bubbles that collect in the overflow reservoir. I have heard that there have been problems with the V10 heads, and was wondering if anyone had any advice or had this same pr...
|1989 Ford F-350 Custom 7.5L No Start VIN: 2FDKF37GXK
This truck will intermittently quit and not start or not start after turned off. Testing shows good spark and fuel pressure but no injector pulse when no start occurs. I have a good pip signal at ignition module. Since the problem is so intermittent its hard t...
|1992 Ford F-150 Custom 5.0L Poor Idle Quality, Hesitation, Surge, Cuts out, Stall, Misfire, Poor Fuel Economy VIN: 1FTDF15N2N
we really need help with this one. it will start and run really rough today and tomorrow it might run great. hard start intermittent. sometimes will idle great then just die. this truck belongs to one of our guys, we have replaced almost everything except pcm ...
|2000 Ford Focus Sony Limited Edition 2.0L gem, ctm VIN: 1FAHP3435Y
This vehicle was purchaced in auction so no prior history or symptoms are known. The battery will discharge after a few days, good charging system voltages and the battery passed the tests. Checked for draw, between 153ma and 173ma were found. I preformed the ...
|2002 Ford Focus SE 2.0L serp belt VIN: 1FAFP34P72
Hi techs, this focus came in with a broken window regulator and a secondary complaint of belt noise upon morning startup. Owner had been using belt dressing to quiet noise with temporary sucess. I cleaned off the pulleys and installed a new belt. The old one ...
|2005 Ford F-450 Super Duty XL 6.0L No Start, Excessive cranking VIN: 1FDXF47P45
This one you have to crank over excessively but once it starts it runs great all day. I've changed oil and filters including both fuel filters but the morning it does the same thing. I've checked for codes and got none. This is not the only truck in the fleet ...
|1995 Honda Accord EX 2.2L Starting VIN: 1HGCD5653S
Car has 12.25 volt draw with key off, 345 milliamp draw. Battery goes dead overnight. Alt unplugged, all fuses and relays are pulled and draw is still there. Any ideas..??
|1994 Jaguar XJ12 6.0L front camber VIN: SAJMW134RC
Hello Jag techs. This one came in with visually noticeable negative camber on both front wheels. Aprox. 1 to 2 degrees. Test drove vehicle and found no detrimental effects. Tracks straight, corners well, recovers well, no accident damage of any kind. I would l...
|2000 Jaguar XJ8 4.0L No Start, Poor Idle Quality, Cuts out, Misfire, MIL Lamp on VIN: SAJDA14C9Y
Hello everyone, this 2000 Jaguar XJ8 has a very hard time starting. Cranks fine, but wont run well at all. It has misfire codes on every cylinder. Pulled spark plugs and found them black and fuel fouled. Replaced plugs, same thing. When it does run it backfire... Trouble codes: P0300, P1314 (Misfire over limits bank 1), P1316 (Misfire over limits Bank 2)
|1988 Jeep Cherokee Limited 4.0L No Start VIN: 1JCMT7891J
Hi, it has been a week now and the car does not start. it all started when we replaced the old worn engine with a used one. after all installation was done, we attempted to start the car but it did not start. there was no spark at all. the two ground wires on ...
|1994 Jeep Grand Cherokee Limited 5.2L Alternator VIN: 1J4GZ78Y0R
I just bought this 1993 Jeep that will not charge at idle, only about 12.5V, and only charges 13.5V at cruise. I've performed the factory diagnostic routine from alldata and found nothing wrong, the Jeep passed all tests except one. That's what I was hoping to...
|1990 Mercedes-Benz 300E 3.0L Compressor VIN: WDBEA30D3L
Problem I,m having is the compressor shuts down occasionally when driving or idling. I'm having trouble finding the AC Compressor cut out relay for this car. It's not behind the battery as most are, my Mitchell all show the cut out relay near the battery. Noth...
|1996 Mercury Sable GS 3.0L MIL Lamp on VIN: IMELM50U6T
I could not find any diagnostic information about P1405 on the Mitchell. What should I inspect first. Can I replace DPFE sensor? Thank you previously! Trouble codes: P1405 (dpfe upstream hose off)
|2001 Mercury Sable LS Premium 3.0L Poor Idle Quality, Misfire, Poor Fuel Economy, MIL Lamp on VIN: 1MEFM55S01
hi group, i have posted on this car before and didnt get any useful info. the car left and is now back. runs rich, ltft bank 1 -22%, ltft bank 2 -11% and misses on cyl 1 intermittantly. my main question at this point is, is 65 psi of fuel pressure too much? i ... Trouble codes: P0171, P0301
|1996 Mitsubishi Mirage S 1.5L MIL Lamp on, HARD START VIN: JA3AA26A8T
Hello Mitsubishi Techs: I have this 96 Mit. mirage, came in my shop for a tune up. After the car was released, the customer complained that after siting over night, the car takes to long to start in the morning. I have a DTC, P0505, idle control malfunction. T... Trouble codes: P0505 (Idle control system malfunction)
|1997 Nissan Maxima GLE 3.0L No Start VIN: JN1CA21D0V
car came in for long crank till start. fuel pressure seemed ok dead head a little low volume a little low replaced pump and relay , good spark.stats great with a shot of ether. drives great once started seems worst after sitting for awhile thanks for any help
|2004 Pontiac Grand Prix GTP 3.8L abs module VIN: 2G2WR52434
we have a 2004 grand prix gtp w/ws6 pckg with stability control,4 wheel abs, traction control customers complaint all lights went on while driving service trac,service brakes,service stability scanned it and had c0896 device voltage range and also a history co...
|1991 Volkswagen Golf 1.8L Stall VIN: 3VWFA01G9M
Hi VW techs, this is a VW at a GM garage. It belongs to a neighbor, I replaced the head gasket last week for too much pressure in the cooling system, and the engine was overheating. I'm not sure if it was doing this before, but now it won't go into fast idle w...
|2000 Volkswagen Cabrio GLS 2.0L Cuts out VIN: 3VWDC21V1Y
i got a cabrio that cuts out when u give it gas and no mill lite on i know they had alot of problems with the maf sensor any hints may help me thanxs.
|2001 Volkswagen Jetta GLS 2.0L master window switch inop VIN: 3VWSS29M31
We scanned the comfort system and got two codes, 01329-comgort system data bus in emergency mode AND 01331 door control module , drivers side faulty. We know the door latch/module is faulty because the dome lite does not come on and no response on the vag. We ...
Fixes & Summaries for All Makes and Models
|1992 BMW 535i 3.5L gauges VIN: WBAHD2310N
I nevery really got a chance to check out this one, as the garage that did the previous ecm repair accepted responsibility on this one and came after it with their tow truck...I doubt the computer was responsible for the instruments wigging out though...More l...
|1998 BMW 740iL 4.4L shift mode VIN: WBAGJ8326W
as you already know the cats fixed the misfire codes. after acquiring a scan tool that would access the trans controller. code referanced the mode switch. one replie suggested that i should unplugg the switch and re test. however the switch is not momentary co...
|2005 BMW 745Li 4.4L Accessories VIN: WNBAG63585
This actually turned out to be a non issue. After we took the door apart we immediately noticed that the body shop had left a control unit unplugged. We connected it and returned it to them without a charge. Thanks again.
|1991 Cadillac DeVille 4.9L MIL Lamp on, Lack of power VIN: 1G6CD13B7M
Thanks to all!! Bryan from Florida was the closest. I feel like an idiot. Injector fuse # 1 blown , car can still run smooth. Excess O2 in exhaust cause high temp.. I sould have known this but as I stated heat stoke is my excuse.Suspect 1 or more injectors out...
|2000 Cadillac Catera 3.0L No Start, Cuts out VIN: WO6VR54R5Y
Thanks to all who responded. Believe it or not it was the crank shaft position sensor. I still dont understand why this caused the transmission to default to 4th gear but it did. The crank shaft sensor was no easy task either. Nothing is on these cars. And i g... Trouble codes: P0650 (mil control fault), P0135, P0300.
|1996 Chevrolet Corsica 2.2L Surge, MIL Lamp on VIN: 1G1LD5547T
Hello As a few of you pointed out to me,just because the IAC count is at 0 does not mean it actually closed. I removed the intake tube and put my finger over the opening to the IAC and had vacuum there. Assuming The new IAC motor was good was my mistake. After... Trouble codes: P0507, P0172 (Fuel Trim Rich intermittant code).
|2002 Chevrolet Cavalier 2.2L engine will not start VIN: 1G1JC52412
hey guys are everything going, good here, i just finished with the car,i replaced the passlock sensor with no luck,it died again so this time i noiticed something about the pcm when i was had the scan tool hooked up on datastream, the data froze , would not co...
|1999 Chrysler 300M 3.5L No Start, Cuts out VIN: 2C3HE66G4X
If you can believe it, a new Fuel Pump Assembly fixed this car. The car finally stopped while I was driving it. All checked okay, but there was no fuel pressure and the pump would not run until it cooled off. Thanks for all of the help with this one Trouble codes: P0300 (Misfire code).
|1999 Chrysler Town & Country LX 3.8L MIL Lamp on, no communication VIN: 1C4GP64L2X
Hello again, the customer had just bought van from an independent dealer, and the dealer wanted to bring it to a Mopar shop. Which is why I've been waiting to post the results. The customer promised to let me know what the deal is with this van. However, betwe... Trouble codes: P1716.
|1994 Ford Mustang SVT Cobra 5.0L No Start, Stall VIN: 1FALP42D3R
in the process of checking connectors and ground along with wiring, the vehicle would not die again. we kept it for 3 more days and drove it every chance we had. would not die. the customer has had it for 3 weeks and we have not heard from him. thank you all f...
|2001 Ford Escape XLT 3.0L No Start VIN: 1FMYU03171
the fix for this escape was a differt key!! the truck did not start with the extra key the customer gave me. when he came back with the orignal ford key all was well again, so the truck did have a bad fuel pump but the spair key that was left me was no good !!...
|2001 Ford Focus SE 2.0L rear hatch VIN: 1FAHP36361
We have had another look at the vehicle and re adjusted the rear hatch latch? could not see any issues and the hatch has popped open only once since we replaced the latch. We asked her to be sure the hatch shut properly and untill the problem occurs again we w...
|2003 Ford Taurus LX 3.0L No Start, Stall VIN: 1FAFP55243
I determined the PATS system affects the starting system not fuel control anti theif not the problem. Put in a cam sensor and all is well. THANKS EVERYONE
|1994 GMC C2500 Sierra SL 5.7L Poor Idle Quality, Hesitation, Surge, Stall VIN: 1GTGC29K2R
Thank to everyone that responded. sorry took some time to get back, i was not working on the truck i left it for a while. and fianlly yesterday work was slow so i looked at it again and fixed it. I must have not been thinking right before, becuase if the truck...
|1996 Honda Civic DX 1.6L MIL Lamp on VIN: 1HGEJ6221T
The fix for this was an exhaust manifold, it had a small crack in it under the heat shield causing the lean code, thanks to all those who shared their wisdom with me in the repair of this vehicle. Trouble codes: P0171.
|1992 Jeep Cherokee Sport 4.0L Speedometer VIN: 1J4FT88S3N
after testing the VSS we pulled Instrument cluster checked for reference at speedometer connector, receiving reference at cluster connector, replaced speedometer unit corrected customers concern. Thank you for all your assistance
|1996 Jeep Cherokee Classic 4.0L No Start VIN: 1J4FJ68S9T
Thanks to all that replied. Sometimes the answer is right under your nose and you just plain miss it! I followed the advice of many of your replies, and disconnected the crank sensor, connected my scan tool, and saw communication restored to the JTEC compu...
|2002 Mercedes-Benz C240 2.6L Heater VIN: 2030612A02
Thanks for the replies, One reply mentioned regassing the a/c , tried this , no change . I learnt by another reply that the stepper motors can be 'normalised by holding down the 2 LH buttons on the Control panel. Tried this but also didn't fix the problem. aft...
|1997 Mitsubishi Eclipse RS 2.0L Poor Idle Quality, Surge VIN: 4A3AK34Y8V
Howdy folks, I really appreciate the usefull ideas for further diagnosing this Eclipse surge/nearly die at idle problem. Unfortunately I gave up, and sent the car to the dealer. My scanner seems to glitch during data, and code gathering when it's plugged into ...
|1997 Plymouth Grand Voyager SE 3.3L Cuts out, Stall, Misfire VIN: 1P4GP44R6V
Hello Group, I was waiting to hear back from the customer but haven't yet. After countless hours and going over the 6 replies I recieved . I believe the cruise light flashing was the key(cam and crank sensors out of sync) and having checked the flexplate many ... Trouble codes: 43 (ignition coil 3 ckt), 11 (loss of cam/crank signal), 43 (ignition coil 3 ckt), 0BD2.
|1999 Plymouth Voyager 2.4L No Start VIN: 2P4FP25B3X
We have a winner, ended up idler pulley for timing belt lost bearings, still had tension on belt so looked good but was not. Special order upgrade from dealer on timing belt tensioner, idler, cover. This is the dual overhead cam unit. Put back together and she...
|1996 Saturn SC1 1.9L No Start, Cuts out, Stall VIN: 1G8ZF1286T
this fixed it! located above starter thanks very much.
|2001 Subaru Outback Limited 2.5L Fuse #18 VIN: 4S3BE68611
Well, since the problem was so intermittent, the customer had 2 options here. One was to wire in a separate fuse to each component, thereby identifying the offending component. The other was to, after an extensive inspection of wiring harnesses, to replace com...
|1991 Toyota 4Runner SR5 3.0L camshaft seal VIN: JT3VN39WXM
The 4 runner is fixed.First I appologize for not reporting that we had checked the pcv system and found it was opperating correctly.The people who suggested that a stopped up pcv system could cause a lip seal to leak were absolutely right.We discovered this on...
|2000 Volkswagen Cabrio GLS 2.0L MIL Lamp on VIN: 3VWDC21V1Y
timing was off one tooth thanxs to all who replied . Trouble codes: P0341.


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When it comes to their job employees consider one thing more important more valuable than money, and that is time. Achieving a balance between their work life and their personal life is the ultimate goal for today's employees. More and more, it is the company that respects personal boundaries that acquires, attracts, and retains the best talent, over the company that offers the highest salary.
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subset: commoncrawl


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Think about what career is best suited for you, and where you want to study. Request more information now.
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Find info concerning Broome Community College winter break, and registering for discussion sections and departmental electives. As a student, your first stop should be the registrar's office, where you can pick up a free copy of both the academic calendar and course catalog, in order to find available credit classes that you may be interested in taking. You may be surprised that you can enroll for a full-time course load, without having to attend any 8am classes at all. Finally, check with your major department for assistance with prerequisites, tuition payment deadlines, and Broome Community College major requirement information. Please use the form above to request admissions info for Broome Community College.
Don't imagine that college is all about getting good grades and finding a job after graduation. A large part of the university growth experience is about personal development and participating in extracurricular activities such as student government, writing for the school newspaper, or joining one of the many student clubs on campus.
It isn't necessary to take a leadership position in a student organization on campus, in order to enjoy contributing to student life at your school. Sure, you have to live somewhere, but spending your freshman year in the dorms can give you the added benefit of making friends and establishing a social circle. Consider signing up for a meal plan, and gaining 10 pounds in the dining hall. Again, the purpose is to socialize and meet other students outside the classroom. Don't forget to go home for the holidays and take advantage of spring break to let off steam. Beyond consideration for Broome Community College winter break, you may think about Centralia College required SAT scores for complementary electives to your primary course of study.
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Home » Uncategorized » Stork Stack August Possible SpoilerAugust 1, 2013 08/01/13 By Subscription Box Mom 0 Comments 0
Stork Stack August Possible Spoiler
Stork Stack released a photo of some products from one of their brand partners Child's Play. The theme for the August box is Bed and Bath. Perhaps these items will be showing up in the boxes!
Here is what Stork Stack posted about the items:
1. Baby Books: We love Baby Books from Child's Play! Pick out your favorite title from a variety of board books with titles like "Pat-a-Cake,†"Humpty Dumpty,†"This Little Piggy,†and "Hey Diddle Diddle.â€
2. Bath Books: Squeaky clean and learn with washable books. These bath books provide a delightful bathtub experience.
3. Storysacks: Storysacks bring the book to life! A Storysack® is a large cloth bag containing a quality child's picture book with supporting materials to stimulate reading activities. To bring the book to life, soft toys of the main characters, artefacts relating to items in the story, a non-fiction element and a game based on the book are included. A guide and prompt suggest ways of developing listening, reading and writing skills using the contents of the Storysack®. – See more at: http://www.childs-play.com/usa/bookshop/0822162002049.html#sthash.85WsY21v.dpuf
4. Poetry: Child's Play makes poetry reading fun! From "Animal Lullabies,†"Animal Exercises,†and "Animal Sleepy Heads.â€
This entry was posted in Uncategorized and tagged: Uncategorized on Thursday, August 1st, 2013 by Subscription Box Mom


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Three Pronged Approach to Retirement
As promised on Friday, I am going to delve into my retirement plans and share what I intend. Knowing what I know about inflation and purchasing power, I think you will find that this is a well rounded approach to the risks that will be present should I decide to live for 25 or 30 years following the day I quit my day job. It is not a really sophisticated plan per se with lots of fancy calculations, but is aimed at providing a living income for my wife and I with some extra money for travel purposes as well.
Risks to Retirement Funds
There are several risks to your retirement funds. Most people are well aware of the risks that particular investments have such as loss of capital. They tend to focus on this and so place their money into "safe" investments such as bonds or CDs. I know several older individuals with a fair amount of capital in savings accounts paying less than 1%.
There is also the risk that you might outlive your money. I have been reading a lot of articles about finding the perfect draw down percentage. If you take out too much of your portfolio in the early days of retirement, you may not have enough if you live longer.
Finally, there is the risk of inflation eating away at your purchasing power. Not enough retirees consider the impact of 25 years of inflation. I was in college 25 years ago and remember getting 2 pizzas for $5 from Little Caesar's. I can also remember when gas cost less than $1 per gallon and a coke was 25 cents out of the vending machine. Whoa! I am afraid to tell you what else I can remember.
Anyway, these are the biggies so what plan do I have to not only provide me with a decent retirement, but also to mitigate and neutralize those risks. Enter the three pronged strategy.
Enter Retirement Debt Free
This is by far the most important criteria that I will insist upon before I am able to retire. This includes mortgages, school loans, wedding expenses (I have 4 girls), etc. I refuse to have a single penny of debt when I stop working. I want to know that all of my income in retirement will be going to support me and my wife.
This is what I am starting to work on now. Unfortunately, I did a really good job of saving for retirement. So much so that right now, cash flow has been hampered to some extent (more on this later). But, I am confident that it can be done now that I am increasing my focus.
Income Producing Real Estate
The second prong in the strategy is to have some income producing real estate which will provide monthly income to pay for our living expenses. Right now I have some rental property. I also have mortgages but the plan is to have them gradually paid off over time such that when the time to retire comes, the rent can be pure profit save for some of the expenses.
I also plan to manage myself in order to provide me with something to do. I am sure that I might get bored playing golf and shooting 7 or 10 under par every day (LOL). Of course, if I get too old and frail or want to spend months at a time on the road, I can always pay for property management.
The return on investment will be much better than a savings account, and I might even be able to raise the rent every so often to help mitigate the impact of inflation on my own expenses.
Stock Portfolio
I figure that half of my assets should be in real estate and the other half in stocks or some other paper type of asset like an annuity or private pension. I want to know that all of my income from any private pension schemes will be going to support me and my wife. The plan will be to live off the income from the real estate while letting the stock portfolio grow until mandatory withdrawals are necessary. Of course, then I will have to take the money out but I shouldn't need much of it if the real estate covers my costs.
Isn't investing in stocks risky? Not if you use protective puts and sell covered calls like I have been doing. I don't have to worry about a market like 2008. As I move into more dividend stocks, that volatility should decrease even more. I have developed a great system that is working for me. Maybe someday I will share the results.
My Number
As for a draw down percentage, it shouldn't even matter. I don't plan on touching any of the principle between the real estate income and the dividend payments. Once I have decided this, it simply becomes a matter of figuring out how much rent I need to collect and make sure that I can cover my costs.
For example if I want to have $10,000 in monthly income, assuming that I will have about 25% expenses between taxes, insurance, vacancies, and maintenance, I will need to collect just over $13,000 in rents. That means I need to have about 13 houses locally. So that becomes my target goal for real estate.
I obviously need to pay off some more debt and get some cash for real estate if I want to get to that level of monthly income. If I need less, then I need less real estate. You can see how I am not necessarily looking at a particular number of $3 million or $4 million to retire, but looking at the income that can be generated by rents. In my area, 13 houses is about $1.3 million so that number seems easier to achieve than $3 or $4 million.
So that is the general gist of my plan. I don't have to worry about inflation since I have it covered with rents and stocks. I don't have to worry about investment risks of stocks due to the protective puts and my knowledge of options. I don't have to worry about a draw down calculation since I will be living on rents anyway. Thus, I won't have to worry about outliving my money.
So, I just need to worry about my debt!
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Categories: Investing Tags: Investment, debt, debt free, inflation, options, protective puts, purchasing power, real estate, rental income, retirement, retirement plan, stocks
Ever Hear of Money Illusion?
I was reading an article on retirement this morning and came across a term I had never heard before, money illusion. It is the name for the phenomenon that psychologists and behavioral economists give people's tendency to overestimate the value of future dollars. In other words, we have a tendency to underestimate the effects of inflation.
That is understandable because it has only been about a working generation ago that Nixon closed the gold window allowing paper currency to begin its rapid loss of purchasing power. In retirement, purchasing power and translating savings and investments into a lifestyle is the ultimate goal and few are thinking in such terms.
Instead, the goal is to save a certain sum of money regardless of the amount of income that those savings generate or the stuff that could be purchased. So retirees can run the risk of running out of money over the 25 or 30 years of living following retirement, not because they didn't save enough, but because they underestimated the impact of inflation on those savings and failed to keep pace.
Keeping Pace With Inflation
In order to maintain purchasing power over three or more decades of retirement, an investor should invest for the right combination of income and growth. Historically, the inflation-adjusted returns of various asset classes from 1926-2010 are below. The assumption is that $1 was invested in each class at the end of 1925 and held through the end of 2010 (Be sure to visit the link to see the cool graphs).
- Large US Stocks: $244
- Long US Corporate Bonds: $7.60
- Long Treasury Bonds: $6.88
- Gold: $5.62
- Treasury Bills: $1.68
- Cash: 8 cents
Real estate is another asset class which is often touted for its ability to keep pace with inflation. Its real return from 1900-2010 turns out to be 0.2% per year such that $1 invested in property in 1900 would be worth $1.25.
What Will You Do With This Information?
Now, the question is: Will this information change your behavior? There are many personal financial bloggers wanting to retire early and live off their investments. How are you invested? Are you planning on being in 100% stocks for the next four or five decades? How will you manage your risk?
You may decide to invest in bonds since the stock market is viewed as too risky. But are you then underestimating the effects of inflation? Will you be living off only the income that your investments provide? Will you be drawing down from your assets or adding to them? How will you ensure a certain level of income? How can that income keep pace with inflation?
These are the sorts of questions that everyone looking at retirement should be asking and answering, not just those looking to retire early than what is traditionally considered retirement age.
Your Retirement Plan
So what is your retirement plan? I am not talking about an IRA or a 401(k). I am talking about how do you envision getting the necessary income to live through 30, 40, or 50 years of "retirement". I have spent a lot of time thinking about this myself and have a decent plan in my estimation. I will write it all down and share on Monday. But in the meantime, what is your plan? How will you maintain purchasing power? Feel free to share in the comments.
Categories: Saving, Investing Tags: Asset, Business, Investment, Pension, inflation, money illusion, purchasing power, retirement
Fighting a Virus and Dividend Links
It has been a very unproductive week as I have been fighting a stomach virus and am probably only about 80% of normal currently. I am on the mend and should be back to 100% in a few days, but the day I had off work to go Christmas shopping found me in bed until 6 pm. Then I got up for 4 hours and went back to bed. Oh well, life happens from time to time. I plan to get a little caught up today on the past week's mail.
Stock Dividend Links
In the meantime, I have some links that I would like to share with you. Since I have thinking about stock dividends lately and will be sharing my plan for increasing my own dividends in tomorrow's post, I thought I would share link based upon that theme.
First up, Mark talks about BP as a dividend play. I think everyone needs to have some exposure to energy stocks since it is such an important part of daily life.
Next up, Dividends4Life shares Dividend Stock to Shield Your Portfolio from Inflation. I have already invested in Intel and am looking at Nucor as part of my plan.
This next link at Dividend Growth Investor has the Aristocrats List for 2012. This is a great list to start with if you are looking to get into dividend investing as the Aristocrats are companies that have increased dividends for 25 consecutive years. So not only are they reliable in their payments, but those payments are growing. Safety and growth is an awesome combination for wealth building.
Money Reasons shares his thought on using dividends to pay for expenses. Personally, I think it is a good idea. I do plan on ultimately using dividends and rental income to fund my retirement allowing the principal to remain intact for generations.
The Dividend Blog Guy has a fun quiz on becoming a dividend investor. I enjoyed it, but was a little disappointed that I couldn't get my score.
Carnivals Featuring CFM This Week
Next I wanted to provide links to the various carnivals in which I had articles included over the past week. I must say a big thanks to Melissa from Mom's Plans for doing all this submitting and tracking for me. I would be in a grand total of zero carnivals if it were up to me since I barely have time to do what I want to do and enjoy doing which is writing and keeping up with the other personal finance blogs on the web.
With Melissa on the job, I am able to be included in 3 or 4 carnivals each week which is certainly much better than zero.
Carnival of Financial Planning #213 hosted at PT Money.
Yakezie Carnival — Mighty Ducks Edition hosted at 20s Finances.
Totally Money Carnival — Building Wealth Edition hosted at Faith and Finance.
The Wealth Builder Carnival #56 hosted at My Wealth Builder.
Be sure to stop by a few of these carnivals and check out some of the other articles that are featured. I am sure that all you regular readers already had a chance to check out the ones that I wrote.
That's all I had for now. I need to get going on that stack on my desk and get working on tomorrow's post. Have a good remainder of the weekend.
Categories: Uncategorized Tags: Yakezie, dividend stocks, dividends, inflation, links


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Europa Plans Production Increase at West Firsby Oil Field
Europa has announced the engagement of Hull-based OSL Consulting Ltd. to comprehensively review the current facilities of the West Firsby Oil field in Lincolnshire and design modifications required to increase the pumping capacity at the site.
Recent theoretical engineering studies have indicated that increasing the flow through a better optimised jet pump system at West Firsby could increase the oil production by over 40%. An upgrade of the facilities will be required to maximize and sustain this production increase and ensure production reliability. During a trial test, which was constrained by the current facilities configuration, production increased from 123 to 145bopd.
OSL Consulting are a highly skilled team of engineers experienced in modeling and redesign of oil & gas infrastructure and are well qualified to deliver a solution capable of a sustainable production increase at the site.
This is one of a program of several production optimisation projects currently being undertaken by Europa on its producing portfolio.
Managing Director, Paul Barrett, said, "This will lead to sustainable increase in production levels without the need for subsurface intervention. It is part of a strategy to position Europa to better exploit its production assets when oil prices recover."
- Europa Oil & Gas Completes Shale Petroleum UK Acquisition (Aug 15)
- Europa Relinquishes Part of PEDL 181 (Jul 04)
- Europa Granted 2 Year Extension to PEDL 143 (Jun 27)


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Decorative edges are a great way to bring your craft projects to life, and our Paper Edger makes it easy to add a full-length design with just a few quick snips. The specially sculpted steel blades make clean, precise cuts, and the colorful handle makes them easy to identify among all your other craft scissors. Available in a wide range of styles to help you create the decorative edge just right for your craft project.
Standard Delivery
You can usually expect delivery within 6-10 business days from your order date (business days are Monday-Friday, excluding Holidays). You'll receive an email with tracking information when your order is shipped. Please allow up to 5 business days to receive your tracking information.
Some items sent directly from our suppliers may take longer, and will ship separate from the remainder of your order.
Please note that Singer sewing machines cannot be shipped to Guam, Puerto Rico or the U.S. Virgin Islands or to military bases overseas.
Expedited Delivery
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For more details & pricing. See our Full Shipping Policy >
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The last two books I read written by Larson,"In The Garden Of Beasts," and "Thunderstruck " made him one of my favorite authors. His accurate and gripping detail of factual events is stunning.
I rarely watch T.V.,or see movies,but I'm going to make a exception when this comes to theatures. I'm already anticipating DiCaprio transforming into the character of H.H. Holmes,and Scorsese taking the audience back to a era of the industrial revolution.
I think what is going to make this movie one of DiCaprio's greats is capturing the true reflection of Holmes himself. Serial killers through out history have been studied,analysed, and yet never fully understood. There is no one diagnosis, or reason behind every serial killers impulse for murder.
Sometimes in this world monsters are born. I hope DiCaprio gives a glimpse that these monsters are not made,but come into this world predispositioned. They often are regular people who live normal lives,but have something inside them so dark,and misunderstood. Holmes admitted he loved the kill. I want to see that part of the character. I hope this movie is raw,and accurate,yet done in a way where you are in that place,and time with DiCaprio watching H.H. Holmes come alive.


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Compare great Caterham Auto Locksmith prices in Manchester with Who Can Fix My Car.
Enter your registration, compare quotes, and find a great garage near you. Get your competitive local prices now!
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Definitely recommend.. excellent service throughout very pleased and definitely come back fantastic price thank you
Prompt service and the car was well repaired.
Extremely grateful for the whole experience with M60 Autos - Zac responds swiftly all the time, the speed of their repair is unbelievably quick, and every personnel I've met at M60 Autos is extremely helpful and professional. The most important thing is that they do CARE about you - they listen to their customers and try to help you out as far as they can, which is really impressive. I felt really really lucky to have found such an excellent garage, and I'll defo go to them for any future car issues/servicing/maintenance. Highly highly recommended and thanks again so much!!
Really good service, came and picked up the car and also stayed opened late for me
The service was awesome and the garage always answered my call. They were very polite and nice. Good service. I will definitely be using them again and will also recommend them to friends.
Quick service and a very good job and friendly service
All ok
Fantastic service, turned the car around in a day
Did a good job , second time I have used them. The only reason I gave them 4 stars , they were not on time when picking up the car and returning it. I would still recommend them to other people.
I would definitely recommend Paul. My vechicle was off the road, Paul turned up with the new part and had it back on the road in 20 mins. I will be using Paul again.
Great price and mobile. Definitely recommend
Arrived on time, very professional and courteous, and efficiently got on with the job. Delighted with work done. What's more, this was in the evening in sub-zero temperatures. I would definitely recommend and use again. Thanks Matt
Another job well done!
Excellent, friendly and prompt service from a thoroughly nice guy! I would wholeheartedly recommend that you use Manchester Vehicle Solutions
Responded Quick. Very Friendly and Reliable. Sorted Problem Out Fast. Would Definitely Recommend To Anyone.
They were brilliant, cannot fault, nice people, easy to deal with.
Absolutely brilliant, easy to deal with, cannot recommend enough
Quickly diagnosed and fixed
Great service, patient, efficient and professional, won't hesitate to use again.
Very good and fast service
Good service. Would use again.
Responded very quickly to my quote request. Good service. Good price
Does what it says on the tin, prompt, accurate and within price quoted. Barry was also able to give me advise about a repair carried out by the main dealer which has prompted me to contact them and get it looked into. Thanks
A Very friendly garage and very helpful and go that extra mile to help keep you on the road. thanks chaps
Came on time professional service,shame car not cost effective to repair would recommend him
Very good service, went out of his way to help
was very happy with the service
Fantastic garage!
Nice guy, came when he said he would, quick and easy


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We have our friends over every tuesday for supper....this quick recipe is my go to almost everytime.....and its gone in minutes!
1 cup grated Jarlsberg cheese (its a bit of a splurge, but is SOOOO worth it)
1 cup mayo (i use miracle whip...it gives the dip a little tang)
1/2 cup finely diced onion
mix all ingredients and place in a ungreased baking dish. bake at 375 until dip is bubbly and just begins to brown on top.
Great with chips, pretzels, or bread


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Royal Baby Prince George, William and Kate Middleton Lifesize Cardboard Cutout / Standup - Commemorative Pack
Product information
|Cardboard Cutouts
|Fruugo ID
Product description
On 22nd July 2013, Prince William and Kate Middleton, The Duke and Duchess of Cambridge celebrated the birth of their son.
Now you too can join in the celebrations with our Lifesize Cardboard Cutout and photo pack of the Royal baby Prince George, Prince William and Kate Middleton. The cutout measures 184cm high and also included is a FREE 8x10" (20x25cm) photograph of the Cambridge family
Perfect for photo opportunities at your party or event, this Prince William, Kate Middleton and Royal Prince standee is the perfect focus point of any themed party or a gift sure to delight the most avid fan. All cutouts are designed to be self supporting and are assembled within seconds. Alternatively it is possible to leave the supports flat and wall mount the standee as you wish. All lifesize standups fold down for easy storage.


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Peanut Butter-Banana Cream Pie
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LADYRINO's Blogs
Camera weight and rationalizations
Wednesday, April 15, 2009 2 comments
They say that the camera adds 10 pounds...I want to know who added soooo many cameras to me when pictures are taken. I look in the mirror and know that I am heavy - but I swear - the mirror does not look anything like the woman in the photograp...
Read more
Camera weight and rationalizations
Wednesday, April 15, 2009 2 comments
They say that the camera adds 10 pounds...I want to know who added soooo many cameras to me when pictures are taken. I look in the mirror and know that I am heavy - but I swear - the mirror does not look anything like the woman in the photograp...
Read more
On the search for big butts
Saturday, March 14, 2009 7 comments
Well today was the official start of the training for a 12K race in May locally called the Bloomsday Race. It is 7 weeks from tomorrow. There is a 7 week training course that starts at one mile and increases by another miles each week. Let me...
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Loss, Pain, and Honesty
Sunday, March 01, 2009 4 comments
This last week sucked. It would be easy to be less than honest with everyone and back date my goal trackers to say that I have done everything I wanted to do. But I would be lieing to you...most importantly to me. This last week I did...
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Alien mind swaps
Friday, February 20, 2009 2 comments
Alien invasion...the body snatchers...that must be it....or a brain swap....that is the only way to explain what happened this morning. I stepped on the scale and it nudged up just under a pound from my weight last week. I do not use fract...
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Belly Flops
Wednesday, February 18, 2009 4 comments
I don't know how many people will be able to identify with this - but as I got fatter I found that my belly grew and then flopped over. When I was pregnant with my last baby and went to the hospital to deliver her via C-section due to being a b...
Read more
Tuesday, February 17, 2009 2 comments
I am taking so many new steps lately and feel good about what I am doing for my body and soul. I am working out each day - not for anyone else - not to "show" someone what they are missing - not for the reasons I first joined SparkPeople....to ...
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Faux Pas and Underwear
Thursday, February 12, 2009 5 comments
Over the last few weeks I have been working on reducing my amount of clutter, raising a little cash, cleaning things up by sorting through what I have and selling or giving away some of the rest. That sorting has included my stash of clothes. ...
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Inner Hero
Tuesday, February 10, 2009 0 comments
There was a commercial during the Super Bowl that has been nagging my brain. I can not tell you what was being sold. I can tell you what sticks in my mind is the image of a man gazing out a window and "seeing" his inner hero - a child in a Sup...
Read more
Alligator mouths and Hummingbird butts
Tuesday, February 03, 2009 3 comments
There is a saying about not letting your alligator mouth overload your hummingird butt. Well I am purposely letting my alligator mouth go off....in the last week my alligator mouth has signed me up for a 3 mile heart walk in May and then a 7.46...
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Monkey See Monkey Do
Sunday, February 01, 2009 1 comments
I had the biggest compliment today and not a word was said. I was busy doing my 30 minutes of stepping today while using my Wii Free Step program when my youngest (2-year-old daughter) stood next to me. She had lined up two books of the sa...
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What kind of pound are you?
Friday, January 30, 2009 3 comments
In several of the groups that I belong to on SP there have been discussions regarding what the scale says we weigh, other measures of health, other measures of success, and just whether muscles weighs more than fat. To start of with - a pound i...
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What does your scale say?
Tuesday, January 27, 2009 2 comments
I was flipping through Spark People tonight and came across an advertisement that has a scale with a moving mouth. I had the speakers off on my computer so I did not hear what it said. But the caption was "What does your scale say?" My hu...
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Scale Wars
Sunday, January 25, 2009 2 comments
I have been telling my dear hubby that I think my scale in the bathroom is dead. One of the kids dropped it and it just isnt the same. I have been weighing myself several times on my weigh in day and taking the average as to what my weight is....
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I AM the queen of the hula hoop
Saturday, January 24, 2009 0 comments
Let's start this off by saying that I am uncordinated. I have no waist. I am a rather blocky looking gal. A couple of years ago my mother-in-law and brother-in-law got the family a Wii system. I had been quite resistent as I felt that we did...
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Norcon, Inc.
Adaptive reuse in heart of Chicago.
Norcon Construction transformed a three story, concrete frame loft building into its new SERF certified headquarters. The renovation included adding an employee lounge and fitness center to the second floor and office space to the third. The project also involved adding a fourth floor conference room, rooftop deck and green roof. The City of Chicago's Green Permit Process was used and the building received LEED Gold designation.
661 W. Ohio Street, Chicago, Illinois


text: HELP US DECIDE: New ML Sailboat Design {plus a Giveaway} April 10, 2014 Loading... Share This Story Share on Facebook Share on Twitter Pin this Post Tags: Newer Post Older Post Welcome to The Monogrammed Life. We are passionate about Monograms, Beauty, Travel, Fashion and so much more. This blog is a place to find inspiration for your everyday life! Peace, Love and Monograms! You Might Also Like 0 comments


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This manicure is one of my favorites. I just love it!
While I'm all about the red and glittery nails this time of year I wanted to come up with something that was neutral yet still a tad bit flashy.
To achieve this I went with neutral colors (nude and silver) but an eye catching finish.
For this manicure I started out with a base of essie Topless & Barefoot. Then, using essie Apres Chic, I covered the top 75% off my nail leaving a straight, blunt line as a transition. I free handed this but you could of course also use tape if you wanted an even more exact straight line.
By keeping the colors neutral, the metallic finish of Apres Chic added just the right amount of glam to this look. Plus, this was a super easy manicure to do!
Make sure to check out the swatches under the jump.


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The Carlton Hotel - Bournemouth
East Overcliff, Bournemouth, BH1 3DN +44 1202060502
- Genomsnittlig
- Huvudrätt: £13
- Matkostnad: £13
Bit of confusion as they have recently changed hands but the general/duty manager sorted the issues out and even gave us all a glass of bubbly
Wayne King
05 februari 2017
från Tidworth
An AA Rosette-winning restaurant, Frederick's at The Carlton Hotel sits on the stunning Bournemouth coastline. Seasonal British and continental cuisine is served in a palatial, nostalgic setting, with wide windows commanding views out over the sea, while the landscaped garden draws diners outdoors in the summer months. This 4-star hotel sits in a prime spot, on Bournemouth's famous East Cliff.
The Carlton Hotel - Bournemouth
East Overcliff, Bournemouth, BH1 3DN
Se alla restauranger i Bournemouth
Kundbetyg för The Carlton Hotel - Bournemouth
- Mat
- Värde
- Atmosfär
- Plats
- Service
- Drycker
(**** 20 mars 2017 av John Beesley från bournemouth
No good features at all, sad to report, very disappointing.
((((* 5 februari 2017 av Wayne King från Tidworth
Bit of confusion as they have recently changed hands but the general/duty manager sorted the issues out and even gave us all a glass of bubbly
(((** 17 januari 2017 av Jackie Gunningham från Poole
The afternoon tea was fabulous although they were surprised when we turned up.
Service was fantastic, although when it came to paying there was nobody about. We sat at our table for 10 minutes after finishing out tea and nobody came anywhere near us.
We had to go to reception and they went to find someone to assist but there was no one around.
In the end we just paid the Reception staff
(((** 25 oktober 2016 av Ellie från Bournemouth
When we arrived we told the staff we were there for afternoon tea by the sea. They were in the middle of lunch service and we got the feeling they were not expecting us. One waitress went to ask another about our reservation and then did not come back to tell us anything, she just walked past us. We then had to wait for someone else to come seat us.
Our tea arrived fairly quickly and we were able to choose our own finger sandwiches which was a nice detail. On the website it said that this high tea came with cola cubes, ice cream and candy floss amongst other things. However, we did not get the first two and we got 2 bits of candy floss even though there was 3 of us. But I do have to say that the scones and the sandwiches were delicious. Staff was quite attentive and made sure we were happy. We got charged for the 'normal' afternoon tea instead of the slightly more expensive afternoon tea by the sea, probably because they ran out of a few things like the cola cubes. Overall we had a great time and I would recommend this to anyone, just don't expect perfection.
((((( 30 augusti 2016 av Wayne King från Salisbury
The event was good mother inlaw loved it
(**** 19 augusti 2016 av Laura Hentila från Bournemouth
When we first arrived, we were directed to sit and wait outside a bar, where the staff wouldn't even acknowledge us. After waiting for twenty minutes, we were finally showed that our table is ready. We didn't even get a chance to order our choice of tea when they brought two pots in, and ten minutes later they came and asked us which afternoon tea we had booked and asked which sandwiches we wanted. We made our order, and then proceeded to wait for AN HOUR for our food to arrive. During our wait, there was literally no staff around and no one to ask how long it'd take for our food to come. We finally found the waitress who had been serving us (who had been nothing but rude and nonchalant the whole time), and she told us that there had been a problem in the kitchen and our food hadn't even been prepared. After the appalling service and experience we and our fellow diners had experienced (the table next to us said the only reason why they paid was because they had a gift card), we had had enough and decided to go eat somewhere else. Absolutely appalling service -- it's a shame because the food looked nice.
(**** 9 augusti 2016 av Charlene Brook från Bournemouth
Really disappointing. The food was OK, but only OK. The waitress had a really bad attitude and didn't seem to know the menu's. It took over an hour for the afternoon tea to arrive, but our table was lucky. The table next to us ordered and waited as long as we did only to find out the waitress hadn't ordered their food so they just left really annoyed. We went as a group of 5 and paid £120 for sandwiches, cake and expected a treat but in summary we got mediocre food and poor service, I wouldn't recommend it. Poor value for money and a rip off, really but a bit damper of my best mates birthday.
(((** 20 juni 2016 av Jenny Flaherty från New Milton
Fab food, great selection but service was slow. Only two staff, not their fault at all, they did a really good job but they were run off their feet!
((((( 22 maj 2016 av Nina Haynes från Bournemouth
It was a delicious variety of cakes, the choice of sandwich fillings was a good selection. The waitress was a delight an overall brilliant time
((((( 17 maj 2016 av Avalon från Bournemouth
Lovely afternoon tea. On arrival they had no record of our booking, even though we had booked many weeks in advance. They were not busy so managed to fit us in with no problems
Tyvärr så kan du inte boka The Carlton Hotel - Bournemouth online via vår hemsida
Erbjudanden direkt till din inkorg!
Hör om våra topperbjudanden först, och boka de bästa borden.
Du kommer snart att få tillgång till en massa bra erbjudanden
Restauranger i närheten
191m 132 recensionerHarry Ramsden's - Bournemouth
Harry Ramsden's - Bournemouth
355m 4 recensionerHallmark Hotel Bournemouth East Cliff
Hallmark Hotel Bournemouth East Cliff
359m 190 recensionerArbor Restaurant
Arbor Restaurant
Modern British
470m 5 recensionerHallmark Hotel Bournemouth Carlton
Hallmark Hotel Bournemouth Carlton


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50% of Money Market Clients Fear NAV Fluctuation
Adding to the outcry against new rules for money-market funds, Fidelity Investments has warned regulators that more than half of its money-fund clients would move some or all of their assets out of the investments if the net asset value of the funds were allowed to fluctuate.
That warning from the largest U.S. money-market fund manager came as the SEC considers two plans for tightening regulation of the $2.7 trillion fund industry.
One proposal would allow the value of the funds to float, rather than being fixed at $1 per share as it is now. The other would require investors to stagger withdrawals.
Fidelity said a poll of customers found 52% of retail investors surveyed would invest less, or stop investing altogether, if there were a waiting period.
Jason Weyeneth, an analyst at Sterne Agee Asset Management, said that SEC rule changes would hurt money market managers. But he also said the likelihood of new rules being implemented is reasonably low, given the industry's outcry and the prospect of legal challenges.
Fixed-Income ETPs Experience Record Inflow
January saw a significant jump in capital flowing into fixed-income exchange-traded products, according to the latest "ETP Landscape" report published by the BlackRock Investment Institute.
These products set a new global monthly record of $9.0 billion of inflows in January 2012, soundly besting the previous record of $6.7 billion set in January 2009.
"We see a quiet revolution building in the asset class as more and more investors learn how to use fixed-income ETFs to build portfolios that combine low risk with the potential for yield," said Peter Fisher, senior managing director and head of BlackRock's Fixed-Income Portfolio Management.
The fixed-income movement is only one part of a larger flow of funds into ETPs of all types. The global exchanged-traded product industry had its best month of January ever with $34.1 billion of net inflows, representing a 144% increase in inflows over the previous record set in January 2011 and up 116% from December 2011.
"Just like equity-based ETFs, fixed-income products are becoming very popular," said Mel Herman, president and chief executive of XTF, an ETP research firm. "As demand for fixed-income products increases, ETFs will continue to gather assets at the expense of mutual funds."
Vanguard Targets Gen Y Looking to Retire in 2060
Vanguard has launched a new target retirement fund for Generation Y investors that is intended to start them on the road to successful investing.
The Vanguard Target Retirement 2060 Fund provides age-appropriate exposure to both domestic and international stocks, as well as domestic bonds all wrapped up in a single low-cost, index based vehicle. The fund will feature broad diversification among major asset classes and low management costs.
It is targeted toward Gen Y investors, young adults in their 20s entering the workforce, whose goal it is to retire in or within a few years of 2060. The asset allocation of the funds becomes more conservative as they approach the target date.


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Interviewing gang members upon prison intake
Doug Wyllie of PoliceOne.com discusses techniques to interview gang members upon intake into prison with Correctional Officer Todd DePalma of the Federal Bureau of Prisons.
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I Always Choose Places In Last Rows In The Movie Theatres
Personal Stories, Advice, and Support 10 People
Hate Parents Who Dont ListenSo i was watching this movie and there was this family of three with an adorable son who i thnk is two. So i took of my shoes and got comfertable. Half way through the movie the boy said he has to go pee. The mm said the movie is almst ver and i thought bull shi t. Ten minutes...
bikinibabe 31-35, F 0 Jul 17, 2013
I never understood growing upwhy other kids and teens wanted to sit in the very front row. I don't want to watch an hour and a half movie with my spine cocked back and my neck draped over the back of my chair. The friggin' screen is directly above my head.
TheEnduringSunrise 22-25, F 0 Jun 2, 2015


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text: As owners of Cookie Cutters Plus if we feel that you have abused or in violation of any of our policies we have the right to block/remove you from our sites. You will not be allowed to shop online with us. We take our polices, our business and code of conduct very serious here at Cookie Cutters Plus and will not tolerate abuse of any kind on our web site


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Stacy Lanigan, Sr. Career Coach, Lynn University
So, a few months ago a I pondered the question of email sign-offs. They are so traditional and well, so boring, " I don't want to be boring". So I began my journey to find "my" new sign-off. I never thought I would learn something in the process, but I did.
- I read completely now, no skimming, the entire email. I will admit in the past I would look for key points and ignore the rest. This has changed since my search. I am sad to say I probably missed many things over the years. And I apologize to those who I asked questions to when the answer was in the email.
- I would savor each and every word of an email knowing that I would possibly find something new and interesting in an email ending sign-off. I was hyper focused and sometimes forgetting that my original plan was to find that email ending.
I leaned that taking more time reading emails saves time in the long run. Slow down and make it memorable.
So last week at the NACE conference in Chicago I was witness to a shift that is happening in Higher Ed and the Limitless Possibilities.
Dustin Garis, Founder & Chief Troublemaker of LifeProfit motivated and inspired me to think outside the box and is the reason I can comfortably sign-off in my emails with "Make it Memorable" So simple and so me. " I have so many LifeProfit moments from NACE and can't wait to participate in my future as well as yours.
The memorable moments and connections I made before, during and after the conference will be both professional and personal. After all, life is about making memories while building and fostering relationships.
Make it Memorable,
Below is my original blog post.
Recently our office was discussing email sign-off's and they all seem so "blah". In the end there was not one sign-off we liked. So I went back to my standard, regards, best regards, best and the so on. Boring!
Well today the Muse published an article on this exact subject Why your Email Sign-off Matters More Thank You Think http://muse.cm/1ICpKvG.
I was hoping for insight, something different and new. I read the article and realized that the good old standard is still "standard".
I started to think about the email's I get. Do I even read the signature sign-off? I will now! Maybe in the process I will find something that strikes a chord and will bring me satisfaction.
Best Regards,
Kind Regards,
Best Wishes,
Take Care, (ohhh I only use this when I don't want a response and hope they hear my tone)
Thanks, Thank You, Peace Out (my favorite :))
Stacy Lanigan


text: Hi.. I'm new to this forum and would like to greet all the lovely H ladies around here.. I've been enjoying your threads for a long time and finally i have my own dilema!! I've been offered a 28cm ostrich blue jean with GOLD hardware. I know its very rare to come by and although my preference is 32cm Kelly, I'm afraid i will regret letting this beauty go. What do u ladies think?? Anyone has both sizes?? would appreciate comments/comparison pictures. I have 2 hours to make up my mind. Please help!!!


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*Press on the question to reveal the answer.
- Q. What criteria are applied in evaluating grant proposals?
Grant proposals will be assessed on the basis of the following primary criteria:
• The extent to which the proposal is systemic , in terms of the number and frequency of programs, whether they impact and link multiple constituencies within the congregation, and whether the approach connects and engages different aspects of Jewish life such as Torah, avodah, gemilut hasadim , etc.).
• Degree to which the proposal is sustainable , in that it allocates funding to develop capacity within the congregation by training existing staff and lay leaders, focuses on reusable resources, and integrates the proposed approach within the congregation's existing structure.
• The extent to which the proposed project utilizes a "best practices" concept and represents an innovative and replicable approach.
- Q. When will grant decisions be made?
- A. Decisions will be announced by Wednesday, March 10, 2010.
- Q. What are the program timeframes?
- A. All grants will be made for the program period of August 1, 2010 through July 31, 2011.
- Q. What are the requirements of the grants?
- A. Each grantee congregation must send two representatives (preferably including at least one staff person) to a Legacy Heritage Innovation Project seminar in the New York metropolitan area Monday-Wednesday June 7-9, 2010. Synagogues are responsible for the entire cost of travel; all other costs are included.
• A midyear report, including financial accounting, will be required in January 2011, and a year-end report with financial accounting in August 2011.
• Grantees are required to document the project's progress regularly on a Wiki webpage they will create. Training will be offered at the project seminar,
• Grantee congregations are expected to have at least one representative participating in periodic distance learning conference calls and/or webinars throughout the grant year.
• Grantee congregations must contribute $2,000 in matching funds towards the project; matching fund requirements in years two and three (if applicable) will be $3,000 and $5,000, respectively.
- Q. How can the LHIP: Music funds be used?
- A. Funding is intended to assist congregations in developing systemic change and sustainable, long-term impact, as opposed to supporting one-time or episodic programming which generate short-term effects. Grant funds are not intended to defray current synagogue operational expenses or hire temporary personnel unless the congregation provides a plan to sustain the position upon the grant's termination. Among the preferred potential use of grant funds are:
• Compensation for guest instructors or scholars who will conduct training and increase capacity within the congregation's professional and lay leadership;
• Curricular development;
• Stipends for professional development and/or training for existing staff or lay leadership to increase capacity within the congregation;
• Supplemental compensation for staff members who undergo training and/or assume additional responsibilities as a result of the funded initiative;
• Development of reusable resources/supplies Note: grant funds may not be used for food or refreshments.
- Q. How will the grant funds be disbursed?
- A. Grant funds will disbursed over the course of the year according to the following schedule: 40% in August 2010, 40% in February 2011 upon submission of a satisfactory midyear report, and 20% in July 2011 upon submission of a satisfactory final report.
- Q. What is the synagogue required to do once it receives notification of a LHIP: Music grant?
- A. Synagogues will be sent a Letter of Agreement delineating the obligations of the synagogue and the conditions which must be met for receipt of grant funds. Synagogues must sign and return the Letter of Agreement before any funds will be released.
- Q. Are there requirements for marketing and publicity?
- A. All LHIP: Music publicity materials must include an acknowledgment of the grant printed in accordance with the Foundation's logo guidelines. Each program must be publicized as a LHIP: Music program funded in part by Legacy Heritage Fund.
- Q. Can a synagogue apply for more than one LHIP grant program at a time?
- A. No. Congregations must apply for only one LHIP grant program at a time, and cannot receive multiple grants simultaneously.
- Q. Whom should we contact if we have additional questions?
Elana Kermaier, Legacy Heritage Fund 212-578-8190x109 / email@example.com


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Boulder, Colorado enjoys year-round sunshine, clear mountain air, a welcoming and positive vibe, entertainment and culture, outdoor activities and adventure. What more could you ask for?
Boulder has also been voted in the top three cities for healthy eating in the US, and the food is indeed fabulous. It is perfectly situated in a stunning setting at the base of the Rockies' foothills and the people are fun, friendly and justly proud.
I was lucky enough to visit Boulder in the Fall, to pick up an award at the Moondance Film Festival, otherwise known as the American Cannes, and its celebrations coincided with the annual Fall Fest. The town was buzzing with music, restaurants, bars, street-theatre and public art. This however, is not just for the festival season but is the backdrop to everyday Boulder. Pearl Street in the heart of downtown and that is where it all happens.
Pearl Street is pedestrianized and electric with activity and entertainment. Every few feet is a musical maestro; a couple playing the didgeridoos, another on cello and glockenspiel, a young boy on guitar. Some musicians were busking, others just playing for their own and others' benefit. The street entertainment included fire, hatchet, and knife throwers, Rainbow People offering healings and readings, a contortionist who pulled himself through a toilet seat by means of joint dislocation, as well as stalls selling local arts and crafts.
On Saturday in 13th street down by the Creek, is the Farmer's Market, filled with stalls selling plump vegetables, giant beetroot, red Indian corn on the cob, orange pumpkins, lemonade made with the famous local Eldorado Spring water, flowers, the first in the season apple cider and healthy snacks. Boulder's Dushanbe Tea house with its intricately hand-painted panels is in the heart of the Market and we escaped into its cool interior for a glass of Rainforest and Hibiscus iced tea, pork ribs, samosas, Masala dosas and curry wraps; all for $43.32 for two and all delicious.
The Boulder Dushanbe Teahouse:(303) 442-4993; www.boulderteahouse.com
Boulder has beautiful weather all year round, clear blue skies and even in September is a dry comfortable 80 to 90 degrees. In the winter it may snow 20 inches but by the next day the sun is out again, the snow has melted and people are back in their shorts and t-shirts. Access to skiing and snowboarding is no more than a 20 to 30 minute car drive away up in the mountains and costs $350 for a week's pass.
Exploring Boulder
Running through the town is Boulder Creek and we walked along the path all the way to the base of the foothills. The water bubbled over boulders and we were shaded by the trees and wild flowers that lined the creek. We came across a red rock sculpture of a hand carved Arapaho Indian Chief and further along there more adhoc offerings; a wooden tepee and a carefully stacked pile of stones balanced at the water's edge. There was the promise of bears, foxes, deer, raccoons and white-crested kingfishers but we just caught the flash of a snake as it slithered away into the parched grass. We caught our breath (it is high altitude here but drinking lots of water helps) on a bench by a rainbow trout pond. An inscription on the bench read: "Fishing heals a man's heart and soothes his soul." Certainly the intoxicating smells of the pine-woods helped too.
Boulder loves its bicycles and we hired two bikes from University Bikes on 9th and Pearl street for $30 for four hours. We took the Broadway cycle route up past the University and towards the Flat Irons- giant rocks protruding from the mountain range- and we cycled through the clear mountain air up through residential Colombine Avenue to Chautauqua Park overlooking Boulder. This is one of the famous parks set up by the Progressive Movement to encourage families to get out of the towns and into the environment to enjoy leisure and culture. We sat and listened to a banjo player framed by the mountain peak behind him.
My favourite restaurants
We were keen to explore Boulder's healthy food fare and we were not disappointed. My favourite meal was seared Salmon on quinoa with finely chopped raw vegetables in a roasted Squash sauce at Tahona Bistro on Pearl Street. However breakfast in America is not a meal to be missed and we relished our crepes and maple syrup at Foolish Craig's, giant pancakes and virgin SeaBreezes at Centro, and Creole Beignets (New Orleans donuts) at Lucile's. We added in the healthy aspect with bowls of fresh fruit! Coming from Britain it was a pleasure to eat out and not be breaking the bank. The service was always impeccable, positive and welcoming. The 18% tip was always well-deserved.
Staying in Boulder
We flew into Denver International Airport which is 50 kilometres away and then caught the super easy Super Shuttle bus that you share with other passengers who are dropped at various locations in Boulder. (Cost: $25 per person each way) We stayed at the Hotel Boulderado, which is a National Register Landmark and only a block away from Pearl Street. It was opened in 1909 and was Boulder's first luxury hotel. With its magnificent stained glass atrium ceiling and stylish décor it has the feel of being in The Great Gatsby! Our room was immaculate and we were treated to a little chocolate each night. We managed to get a good deal and instead of costing £745.25 we got a Queen size room for £607.44 (including Tax & fees) for four nights.
Hotel Boulderado, 2115 13th Street, Boulder 80302, United States.
My recommendations
Tahona Bistro: (303) 938-9600; www.tahonaboulder.com
Foolish Craig's: (303) 247-9383; www.foolishcraigs.com
Centro: (303) 442-7771; www.centrolatinkitchen.com
Lucile's: (303) 442-4743 (the queue is worth the wait)


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John Kennedy – Phillies Pioneer
As a lifelong Phillies fan, my favorite baseball card would–if it existed–be a John Kennedy in the 1957 Topps set. Unfortunately, for all baseball historians including me, there never was such a card. Which makes Kennedy, along with the Reds' Nino Escalara, the only ground-breaking black players never to appear in a major card set. On April 22, 1957, in a game against the Dodgers played in Jersey City's Roosevelt Stadium, John Irvin Kennedy, a 30-year-old rookie shortstop, became the first
African-American to appear in a game wearing a Phillies uniform. He pinch-ran for Solly Hemus in the 8th inning, relegated to a reserve role after winning the shortstop job in spring training, only to lose it when the Phils picked up Chico Fernandez from the Dodgers the day before the season began. Adding to the indignity, he would get in only four more games (going 0-for-2 at bat) before being shipped out to the Class B Carolina League on May 4, never to return to the big time.
Born in Jacksonville, Fla., in 1927, Kennedy had been in pro ball since 1951, first in the low minors of the New York Giants system, followed by three years (1954-56) in the Negro Leagues with the Birmingham Black Barons (country singer Charley Pride was a teammate) and Kansas City Monarchs. One of only three teams yet to break the color barrier, the Phillies were under some civic pressure to do so when they signed Kennedy in the winter of 1956-57. The 1957 Topps set did include the Tigers' first black player, Ozzie Virgil, Sr., although he did not make his debut until June 6, 1958. The Red Sox became the last team to field a black player, with Pumpsie Green on July 21, 1959. He appeared on Topps for the first time in 1960.
The first cards for the other African-Americans who broke their team's color barrier:
- 1948 Leaf set – Jackie Robinson (Dodgers 4/15/47) and Larry Doby (Indians 7/5/47)
- 1950 Bowman set – Hank Thompson (Browns 7/17/47 and Giants 7/8/49; his card is with the Giants) and Sam Jethroe (Braves 4/18/50)
- 1951 Bowman set – Monte Irvin (Giants 7/8/49; appeared in same game with Thompson)
- 1952 Bowman & Topps sets – Minnie Minoso (White Sox 5/1/51)
- 1954 Topps set – Bob Trice (Athletics 9/13/53), Ernie Banks (Cubs 9/17/53), Curt Roberts (Pirates 4/13/54) and Chuck Harmon (Reds 4/17/54; Nino Escalara, who appeared insame game with Harmon, never had a card)
- 1955 Bowman set – Tom Alston (Cardinals 4/13/54) and Elston Howard (Yankees 4/14/55)
- 1955 Topps set – Carlos Paula (Senators 9/6/54)
About the author: John Montague is a retired sports journalist and former owner of the Baseball Blue Book. His passion for the game is equaled only by his love for music. Sell Baseball Cards 101 is proud to have him as a guest poster.


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The Best Small Tube Amps For The Recording Studio
In the recording studio, you don't always need a lot of power from a guitar amp. If anything, sometimes less is more when it comes to level, and many seasoned engineers will tell you that some of the biggest guitar sounds can come out of some of the smallest amps.
There are a lot of benefits to using small amps in the studio: They can give you more and better-sounding gain at a lower-level, they're easier to swap in and out of a tight corner, they're less expensive, so you can have more flavors on the same budget, and they'll often have a uniquely memorable personality and tone.
Remember that in a literal and philosophical sense, recording itself is an illusion. Sounds – the vibrations of molecules in the air – cannot truly be captured and bottled up – only impersonated in another form. Your microphone doesn't know how big your amp is, it just knows how good the tone sounds. And your VU meter doesn't know how loud your signal is in absolute terms. It just knows how far you can make it move.
With that in mind, here are some small, classic tube amps that are best-suited for the recording studio. Turn 'em up.
EL-84 Type
Signature Models: The Vox AC-15, Mesa Boogie Studio 22, and The Fender Pro Jr
The EL-84 power tube is little brother to the EL-34, the tube found in Marshall and Orange heads. The lower-powered EL-84 is often characterized as having a little bit of the EL-34's trademark "bite" and mid-range push, but with a little less low bottom and a slightly more supple sound.
The quintessential pint-sized guitar amp that most guitarists are likely to think of first in this family is the classic Vox AC-15, an early favorite of The Beatles. It can deliver anything from Vox's unmistakable trademark "chime" to a distinctive saturation or gritty crunch.
On the opposite end of the spectrum, there's the Mesa Boogie Studio 22, the main amp used on Nirvana's Nevermind. It's an almost over-designed tube amp with a thick and assertive clean sound, a graphic EQ, and the ability to deliver edgy tones and blistering saturation in an equally convincing way. Currently, a new model of amp occupies this niche in Boogie's line: The adjustable-watt "Express."
Small vintage amps from Gibson Epiphone have relied on the tube as well, and today, solid and affordable EL-84 amps are still being churned out by lower-cost brands from Crate to Peavey. They all have their dedicated fans. But the one that takes the top of this list is a relative newcomer and a fast favorite in the studio world: The Fender Pro Jr., which is easily among the most affordable – and coolest-sounding – studio tube amps that company has ever made.
There's not much to the Pro Jr. Just a handful of tubes, a 10" speaker, and two controls: volume and tone. But this amp is a little devil, known to blow the hair back. At low levels it gives a full-bodied-yet-articulate clean tone; turned up loud, it screams with unexpected authority.
The Jr. doesn't do extreme overdrive on its own (you'd have to push the front end of it with a pedal to get that) but the tone it does give is endlessly satisfying. Come to think of it, there's a lot of things the Pro Jr. doesn't do: reverb, tremolo, EQ. But that doesn't seem to hold this amp back. So many engineers I know are surprised by just how often it'll win a shootout against larger amps. I'm one of them.
A slightly larger version, the Blues Jr., packs a little more wattage, a larger 12" speaker that softens some of the Pro Jr.'s bite, and a few extra controls that allow for a decent reverb and a little more preamp gain at low volume levels. But believe it or not, prevailing guitar-amp-snob opinion chooses the ultra-compact Pro Jr. as the winner. If you need a small, affordable, great-sounding foundation for a studio amp collection, this could be just the thing.
6V6 Type
Signature Models: The Fender Princeton, Fender Deluxe and Fender Champ
The EL-84 was perhaps the most popular choice for compact guitar amplifiers in Britain during the early days of electric guitar. But here in the States, that honor went to the 6V6, which powered some of the best-selling and most-coveted small Fenders in history.
The 6V6 was at the heart of the Fender Champ and Vibro Champ – little powerhouses that just love to be pushed hard. Each model has a bit of its own tone, from the throaty roar of an old tweed champ to the endlessly endearing and almost brittle smack of a silverface Vibro.
The 6V6 was also the foundation of the 22-watt Fender Deluxe, a favorite of Blues wailers and Americana-loving guitar geeks everywhere – A Stevie Ray Vaughan impersonator's weapon-of-choice and a longtime favorite of Neil Young.
It's hard to pick one to top the list, but in our book, the amp that stands as a no-brainer choice for most recording studios is the ever-flexible Fender Princeton.
At low enough levels, the Princeton provides an elegant, brilliant clean sound that could fool you for a Fender Twin Reverb. Pushed a bit, it breaks up in a way that is distinctively "Fender", but perhaps not quite as specific or as identifiable as the Deluxe. And at any setting in between, it can offer a classic-sounding tremolo and a luxurious reverb that's almost impossible to top.
Odds and Ends
There are other great options for small studio tube amps. The 6V6 is basically a lower power version of the 6L6 found in many larger American amps like the Twin Reverb and the Fender Bassman. And, although it's a stretch to consider them truly "small" there are a few small-ish options that use this tube and offer a unique-yet-versatile tone: The Fender Vibrolux and Ampeg Reverberocket come to mind.
Some folks make a great miniature tube amp out of an old portable cinema speaker. The Moviola Mangasync comes to mind. Just install a guitar jack, and you're good to go.
Some companies offer single-power-tube heads and super-mini combos that put out as little as a couple watts or so. For more on that see VHT, THD, or the Orange "Tiny Terror." If you're prepared to live dangerously – and don't mind putting the longevity of your amp at risk – you can always hook one up to a variac. (But if you blow up your amp, don't tell your repairman it was our idea.)
The choices listed above are some of the longstanding classics, but they're not the only options. Some of the most unforgettable tones can come out of amps with little or no "pedigree." There are guitar players that love old Sears Silvertones and vintage Airline amps; Jimmy Page recorded the bulk of his guitar parts on the first few Zeppelin records on a tiny "Valco" brand amplifier, and Dave Davies of the Kinks used a small Elpico amp (with a torn speaker no less) for The Kinks' "You Really Got Me."
Of course, some people will tell you that amp simulators have come so far that there's almost no reason to bother getting down and dirty with guitar amps anymore. But even if that is true – and I'm not so certain that it is – which is more inspiring to work with?
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Lord Lloyd Webber, 60,
It is hoped that theatreland's most successful composer will inject some excitement into the contest which has been riddled with controversy.
This week, Eurovision organisers announced than overhaul of the final's voting process in order to avoid a repeat of this years bloc voting row, which saw the ice-skating Russian entrant, Dima Bilan, win the contest in the Serbian capital Belgrade thanks to the support of his Eastern European neighbours.
Subsequently, jury voting will be re-introduced and the voting for the Moscow Eurovision 2009 will be decided through a mix of jury voting and public telephone voting, ending 11 years of results decided purely by public voting in each country.
The move will undoubtedly cheer the BBC's veteran host Terry Wogan, who deplored rival countries' tactics live on air last year, and is expected to quit his role as the final's commentator after 35 years.
Mr Wogan had said that this years entrant, Andy Abraham, a former dustman, was Britain's "best entry for a while".
Mr Abraham, an X Factor runner up, finished joint last on just 14 points with his song Even – a far cry from the halcyon days of the Sixties, Seventies, and Eighties when acts such as Lulu, Sandie Shaw, Bucks Fizz and Brotherhood of Man dominated the competition.
Lord Lloyd Webber together with Tim Rice, began his theatre career with two shows that drew on Christian tradition - Jesus Christ Superstar and Joseph and the Amazing Technicolour Dreamcoat.
But in recent years has gone on to dominate theatreland with shows including Evita, Cats and The Phantom of the Opera and his input is expected to rejuvenate the british entry.