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Below Your Means Basics: Understanding Savings and Wealth CreationJune 22nd, 2011
Our Below Your Means Basics series this week deals has been focused on looking at your finances from a perspective of your Net Worth. We started the series discussing Income vs. Net Worth, and then took a look at debt. Today, we'll be taking about different mechanisms of savings and ways to examine your savings in light of growing your overall net worth.
You may be thinking that day you are dividing up the different kinds of money you have saved into categories is a great day indeed – and one far away from now. But the truth is that everyone, regardless of their current financial situation, can benefit from looking at their savings, and starting to save.
Types of Saving
Retirement Accounts
There is near-universal agreement that you should start saving for retirement as soon as possible, and this advice is usually accompanied by some sort of chart showing how the $20/month you put away now will turn into a bazillion dollars sometime in the future. Those charts are right, of course, and you should start saving for retirement as soon as possible, and taking advantage of the various tax benefits of doing so. Consult a tax adviser for more details, or check out Saving for Retirement at our favorite online legal resource, Nolo.com.
We do have some concerns with the idea of saving for "retirement". For one, the whole idea of saving for retirement is really created by the tax code. It came about at a time when people thought they would stay with the same employer for most of their lives. Really, when you talk about saving for "retirement" you're talking about saving for "old age." Nowadays many people have multiple careers and employers are just as eager to hire contractors as they are hiring employees.
If you focus on building your net worth instead of saving for retirement, then the idea of retirement starts to get a little odd. It begins to sound like you are going to do something you hate until you hit some magic savings goal (and age) at which point you get to stop doing that hated thing, and start doing things that you love. But with sufficient net worth, and a focus on using your money as a tool for your happiness, you can come up with ways to have an income doing something that you love, because maximizing your income at any given second to afford a life that doesn't make you happy… well, you aren't doing that any more.
So, by all means, keep putting money away for your 60's and beyond. We're not saying you won't be happy that you did. But, don't make that the only thing you are saving for.
The Emergency Fund
In our minds the Emergency Fund is the single best kind of savings you can start working on right away, because it will make a difference in your life very quickly. There are many different ideas about how large your emergency fund should be, but they tend to fall within 3-6 months of income or expenses. Since we are looking at our financial life from a perspective of net worth and not just income, we're going to recommend you start with 3 months of expenses and then work your way up to 1 year of expenses.
You might be saying: One year?! That's a lot of money! And we answer: Precisely! It is a lot of money, and having a year of your life in the bank is tremendously liberating. But even before you have 3 months of expenses in the bank, you'll see benefits:
- Most importantly, you won't have to use your credit card every time the unexpected happens. This one change will make a profound difference in your financial life. It will lift your spirits and confidence. And, there won't be an interest charge associated with the unexpected.
- You can self-finance variables in your budget. By self-finance, we mean you won't have to use your credit card. This time, it's for things that are expected but harder to plan for, like the life insurance bill coming due this quarter and knocking you off your monthly routine.
- You can afford to carry less insurance. When you have an emergency fund, the idea of paying a lot of money for a $250 deductible isn't as appealing. Again, this is a result of net-worth thinking rather than income thinking. If you don't have an emergency fund, then you'll decide the higher monthly insurance bill is a good buy because you can't afford a $1,000 deductible if your car gets hit. But if you have that money in the bank, then saving money on your insurance gets easier.
- You can start to seize opportunities. Much like long term debt, you should limit this to opportunities that help you build wealth. For example, you have the opportunity to interview for a new job that pays 120% of your current salary, but your future employer requires a certification that you don't have. You can afford to take 2 weeks of unpaid leave (assuming you can work it out with your current job) to go get the certification.
Once you have one year of expenses in the bank, your life will be very different. You will start to value and see things differently. You will be on very secure footing indeed.
Principal Reduction
Every debt you carry has a principal on which you pay interest. The principal is the money you owe, so in a sense, paying it off is a form of savings. Once you have debt there is no use beating yourself up about it anymore. You should, however, focus on getting that principle paid off as soon as possible. If you have the income, and can cut your spending enough, you should save for retirement, an emergency fund, and pay down the principal on your debt. Experts generally agree that you should pay down principal first on your credit cards and second on your car loans. There is disagreement about whether or not you should pay off your home early, but we certainly wouldn't advocate it unless you have a solid emergency fund and you are on a good plan for retirement.
As far as paying down your credit cards – how much is enough? The answer here, as with many of your budget decisions, will come from your values and goals. Having said that, you should also use a credit card repayment calculator (CNN Money has a good one here) to get a clear understanding of how much interest you are paying on the debt. Some financial advisers recommend you pay down your highest interest rate card first, and then move on to the next highest rate, etc., until they are all paid off. Others say that you should pay off the one with the lowest balance to give yourself a confidence boost and eliminate a creditor.
We personally recommend that, if possible, you consolidate all of your credit card debt onto a single new card that has as low an interest rate as you can get. If you can't get a new card, then consolidate them as much as possible on the lowest card you have. Cut up the high rate cards. Check out the Helpful Links at the end of the article for more on paying off your credit cards. You might also consider refinancing your credit card debt with a lender like Prosper.com or LendingClub.com. We are affiliates of each and recommend them both.
Short Term Savings Goals
Short term savings goals are a great way to handle projects (leisure or otherwise) that aren't part of your monthly budget. Let's take two common examples: Gifts (especially around the holidays) and Vacations.
The credit card method of handling gifts or vacations is to have a rough idea of what you are willing to spend, and then to go out and probably spend more. Afterwards, you finish the vacation (or wrap up December) and cringe when you see the amount of debt you racked up.
Having a savings goal means having a budget. In this model, in January (or whenever you next review your budget), you decide how much you are going to spend on vacation or gifts. Then, work it into your monthly budget. Let's say a family of four decides they are going to spend a total of $700 on Christmas. $500 will come from the household budget and will be used to buy presents for friends and family. The spouses decide that they will have a $100 limit on gifts for each other, which will come out of their own personal spending accounts.
Now, the family budget needs to be adjusted to make room for $42 of savings per month, which will yield $500 by the end of the year. Each spouse also needs to squirrel away a minimum of $8.33 per month from their personal accounts. (This is the kind of savings that the envelope method is great for). Now, the spouses get together and split up the $500 pot between the kids, grandparents, other family members and friends. They revisit the budget on a regular basis to see (1) that they have actually saved enough, (2) that their spending is in line with their plan and (3) to reallocate their budget based on new information (they got Suzie's present cheaper than they expected so they can afford Grandma's more expensive gift).
Vacation spending works the same way. The family vacation budget is set, the savings happens BEFORE the vacation, and away you go.
Once you are saving regularly, and have budget that keeps you from spending more than you earn, you are well on your way to building wealth. We'll talk more about that next time…
Below Your Means Basics: Understanding Your DebtJune 20th, 2011
Before we get started, if you are months away from foreclosure or other serious financial consequences, this is not the article for you. We do not cover issues like bankruptcy, credit repair, or debt settlement agencies. Consider consulting the assistance of your financial adviser and/or attorney. Our favorite online legal resource is Nolo.com. Nolo's Bankruptcy Center has plenty of good, free information and they also offer a variety of for-fee products to help those with serious credit and debt problems.
The biggest problem with amassing debt is that you are giving up flexibility in your future for flexibility today. You are agreeing that in the future you will be willing and able to have a certain amount of money. But none of us can predict the future. We don't know what misfortune will befall us, what opportunities will come our way, and what our personal goals will be. You can read more about our thoughts on debt in our first Back to Basics article.
To get out of debt, and to understand how to use debt in the future, you need to stop thinking about your debt in Income terms and start thinking about it in Net Worth terms. Meaning, stop thinking about how much debt you can afford to carry (payments), and start thinking about your total net worth, what direction it is heading in and the impact of debt on your net worth. When you carry debt, you are simply spending money on the privilege of borrowing — you're paying interest, potentially fees and the money isn't helping you. People borrow money all the time without considering the interest payments because the monthly payment seems affordable. But if I gave you $100 tomorrow, and told you that you had to light a $5 bill on fire every Friday until you paid me back my $100, you'd stop and think about it.
The Debt Payment
Many people when budgeting plan for an $x credit card payment; for argument's sake let's use $100/month on a $5,000 debt. While this approach is practical when you're dividing up your monthly income, it doesn't tell you whether or not you're paying off your debt quickly enough.
Every debt has two key components – the principal (the amount you borrowed — on a credit card this is often the 'balance') and the interest (the fee you are paying to the lender to borrow the money). When you make a debt payment, you typically pay the interest first, and the principal second. Your payment needs to be high enough to take a good chunk out of the principal of the debt, or else you'll simply be paying interest month after month. The Federal Reserve Credit Card Repayment Calculator is a handy resource for approximating the time and money credit card debt will cost you.
Looking at the $100/month payment on a $5,000 debt using an APR (interest rate) of 16%:
- If you saved up the money ahead of time in $100/month installments, it would take you 4 years and 2 months to come up with the $5,000.
- If you make the $5,000 purchase and pay $100/month, it will take you 27 years to pay back the debt, and you'll spend an additional $8,659 in interest.
Why so much interest? Because your $100/month payment is barely making a dent in the principal of the loan, so the interest keeps piling up and piling up.
If you make larger payments you'll cut into the principal faster. Take a look at these two scenarios of paying off the same $5,000 debt at a 16% APR:
- By paying an extra $42/month, for a total payment of $142, you can cut the time down from 27 years to 4 years and cut the interest from $8,659 to $1,802. That's 23 years less, and it reduces the interest by $6,857.
- By paying an extra $100/month, for a total payment of $200, you can cut the time down from 27 years to about 3 years and the interest will drop to $1,123.
When Debt Helps and When it Hurts
About Credit Cards
Short term debt — debt you carry less than 12 months — is mostly useful to manage cash flow. For example, you may be paid your salary every 2 weeks but most of your bills come on a monthly schedule. So, you use your first paycheck to pay off all your monthly bills (and savings goals), and your second paycheck pays off your credit card balance – in full. Note that if you have saved even 2 weeks of your pay, there really isn't a need to use your credit card like this.
Another good example of a short term cash flow crunch comes from different types of insurance and fees that are due quarterly or annually. These bills may push a given month's expenses over that month's income. A credit card will help, but again only if you've budgeted for the expense and your income pays off the credit card in a few months, including the interest. Otherwise, you're accumulating debt.
Sometimes emergencies exceed the savings we have in our emergency fund, and in that case, carrying some debt while you adjust your budget and quickly pay it off can be a lifesaver.
Outside of these examples, in most cases credit cards are really just a convenience that means you don't have to carry around cash, and you only have to make one payment out of your bank account per month to cover your purchases.
Long Term Loans on Short Term Assets
Another place people often exceed their means is getting long term loans for a short term asset. A short-term asset is anything that is not going to retain it's value for long.
For example, car loans have recently gotten longer and longer, and it is possible to get a car loan that is 5, 6 or even 7 years long. While this might make the monthly payments low enough to be within reach from an income perspective, it usually adds up to a lot of additional interest on the car. Worse, the car will lose its value faster than you can pay down the loan. That means that in two years you will owe, for example, $20,000 on a car that is only worth $15,000. What do you think happens to you if the unexpected occurs? Say, you car gets totaled in an accident, and you're given $15,000 by your insurance company. You will still owe the bank $5,000. What happens when the car starts to need serious repairs in years 5, 6 and 7? Or, say in 3 years you just don't like the car any more. It isn't suited for your life. If you try to sell the car, you'll owe more on it than you can make. You're stuck.
Credit cards can be even more insidious though, especially when you use them to live beyond your means. Let's use a much more common example. You routinely spend $200 more a month than you make, and you eat out a lot. In fact, your entire $200 budget overage comes from eating out. Over the course of just one year you will accumulate $2,200+ in credit card debt even if you're making the monthly payment. And it will only take 7 months for credit card interest to consume your entire dining out budget. The chart below illustrates the example, but of course at month 7 it loses accuracy, since you can no longer afford to eat out OR make your monthly minimum payment. At this point things start to spiral out of control.
|Minimum Payment
|New Balance
Using Debt Successfully
Before you begin you need figure out if you can trust yourself with debt. In the wrong hands, debt can be like alcohol to an alcoholic. Some people simply cannot control themselves, if you reflect upon it, and you fit into this camp you need to take a strategy of never using debt. Live a cash-only life; people do it all the time. However if you can trust yourself with debt and manage it, it can be a very effective tool to building wealth and happiness.
Also, in general we are going to strongly recommend that you steer clear of interest-only financing, balloon financing and other complicated debt instruments unless you fully understand what you are getting yourself into. These debts, while designed to provide lower payments, are intended for people with a very good grasp on their finances and are able to predict with certainty and comfort that they will be able to refinance in the future, or make the balloon payment. If you have to ask the opinion of anyone who isn't (1) gifted when it comes to finance (2) impeccably trustworthy and (3) completely unconnected to (will not benefit from) the transaction, then you probably shouldn't be doing it.
Short Term and Mid Term Debt
First, provided that you budget for it (including the interest), short term debt can be a great way to get over a hurdle that seems insurmountable. For example, say you have recently graduated from college. You are working an hourly shift job to pay your bills while looking for work. But, you don't have a suit, and while you've started saving up for one, you get an opportunity to interview before you've saved up enough money to buy the suit you need for the interview. Assuming you can't borrow a suit from a similarly-sized friend, you could finance the suit on a credit card. However, make sure you heed the following guidelines:
- Figure out how much you are willing to spend before you make the decision to borrow the money. Don't let easy borrowing convince you to spend more than you should
- Figure out how long it will take you to pay back the loan, and make sure that amount is much shorter than the useful life of the asset. Paying back the suit in 6 months is OK, 3 is even better.
- Adjust your budget to include the interest payments. In this example, you are already saving up for a suit so you have a line in your budget for the principal payments. BUT, this will change to include interest. Don't extend the time you are going to pay back if you can avoid it — just cut back on a few areas to include the interest payment.
- Avoid making rationalizations about future earnings. You may get the job, you may not. If you get the job you can pay off the suit much faster than you expected, giving you more freedom in the future. If you don't you aren't stuck with a credit card payment you can't afford.
Mid term debt is debt that you carry for 1 to 5 years. A great example of this would be a car payment. Car payments are another great way to get into a vehicle that will make a big change in your quality of life. But again, beware the rationalization. You don't need to have a car payment all the time, and NOT having one is very freeing. There are many examples of millionaires driving modest cars, the big secret here is that the many got to be millionaires by focusing on their net worth and not how fancy their car is. There are lots of tips out there for getting the best deal on a car, but consider these from a Net Worth perspective:
- New cars depreciate much faster than slightly used cars. Reliable used cars depreciate the slowest. Buying a car that is a few years old can make sure you get the most value from the money you spent.
- Financing a car for more than three or four years is gambling that you will want the car that long, and that it will run well that long. Otherwise you are risking that the value of the car will drop below the amount that you owe.
- A car is, at it's heart, 4 wheels that get you where you are going. Don't fall into the trap of buying a car because 'you deserve it' or 'you have to have it.' Consider what you value. A Lexus, Acura, or Infiniti luxury brand is certainly nice to ride in, and may be worth the money to you if you have it. But going into a large loan to buy the car doesn't make sense, especially when you consider that they are luxury versions of Toyotas, Hondas and Nissans.
Long Term Debt
Long term debt, debt that you carry for 5 year or more, should be reserved for performing or appreciating assets only. What do we mean by 'performing or appreciating assets'? These are assets that either make money in and of themselves (like businesses) or have significant potential to increase in value. Recent housing bubble aside, historically housing has been a pretty good performing and appreciating asset. One, you can live in it while you're paying off the mortgage, which might be better than paying rent. Two, there is a good chance that when you go to sell the house you will get a significant amount of your money back. But there are lots of reasons why a house might not make sense. As either the buyer or seller, you pay a lot of money in taxes, fees, commissions, etc. that aren't included in the value of the house. If you move frequently, these charges can add up. And, if you can't sell the house for more than you owe, you're stuck. Also, houses don't always hold their value, as just about everybody now knows.
The subject of investing in a business or borrowing to finance other investments is beyond the scope of this article, but we will address it further in the coming months.
Financing vs. Savings
One other special case deals with taking advantage of free or very inexpensive financing. Assume you have $4,000 in a interest bearing account that is earning 2%. You have decided to buy new living room furniture that will cost you $4,000. The furniture manufacturer is partnering with a credit card company offering interest-free financing for 6 months, which jumps to 22.9% if you don't pay off the furniture by then. The credit card company is counting on the fact that you'll buy too much furniture because of the financing and wind up not paying it off. You'll owe them thousands of dollars in interest by the time you manage to pay off the furniture. But, because you follow our 'short term debt' guidelines above, you don't overbuy. Taking advantage of the financing is a good idea – it means you can leave that $4,000 sitting in the account for 6 more months earning interest. And if you adjust your budget, you may be able to pay off the furniture over that six months without having to touch your $4,000 at all. But be careful – don't use this as a way to rationalize buying $4,000 worth of furniture you can't afford. If you don't have the money in 6 months, the high interest rate will turn your furniture purchase into a long term debt with lots of money disappearing into interest payments.
Of course, debt is also valuable to have at your disposal in case of emergencies. But we'll discuss that along side savings next time, as it is closely tied to the subject of emergency funds…
Thumbnail Photo: Blocks 1 by Crissy Alright
Below Your Means Zen: It Takes Hard WorkJune 17th, 2011
And now a Below Your Means moment of Zen:
While helping the tradesmen working on my house this week, I learned that they are having trouble hiring. A lot of trouble. "The economy is so bad, but nobody wants to work anymore. They just want to make a quick buck." I heard this from more than one company.
Trades are noble pursuits. Perhaps our economy is boom-and-bust because we have forgotten that the best way to create value is to bring something new into existence with our own hands. Labor of any kind, but especially physical labor, is beneath no one, regardless of station. How can you improve your life if you're not willing to do what it takes to seize the opportunities in front of you?
Below Your Means Basics: Debt and SavingsJune 15th, 2011
Before we get started, if you are months away from foreclosure or other serious financial consequences, this is not the article for you. We do not cover issues like bankruptcy, credit repair, or debt settlement agencies. Consider consulting the assistance of your financial adviser and/or attorney. Our favorite online legal resource is Nolo.com. Nolo's Bankruptcy Center has plenty of good, free information and they also offer a variety of for-fee products to help those with serious credit and debt problems.
When I was younger I was helping some friends who were newly married with their finances. I commented that I was impressed with their ability to save. They quickly added "it's not that much of an accomplishment when we're running the credit card up just as fast." Fortunately, the statement was an exaggeration, but there was a grain of truth to it – while their savings rate was much higher than the rate they were increasing her consumer debt, the debt was there and the principal was growing. And because almost all of their savings was tied up in retirement accounts, there wasn't immediate relief. I went home and realized I was in a similar situation. I was saving for the long term but doing nothing to manage my own short and medium term spending.
This kind of problem is very common. Whether you got in trouble with credit cards (easy to do), were hit by the recession (easy to do), or both, unfortunately it isn't unusual for people who have respectable incomes and good credit ratings to nevertheless be slowly digging a debt hole that means they will never have financial freedom.
Many people believe (or at least assume) that their spending habits should be directly tied to their incomes. For this reason, even as people's incomes increase, their spending increases. This isn't necessarily deliberate. The act of buying a home or moving to larger house, moving into a more expensive neighborhood, having a child, etc. can raise your basic cost of living. Even without those life changes, it's easy to see an increase of income as an "improvement" in lifestyle. This mindset to personal finances often leads to the "payment effect", where by you become only concerned with what payment plan you can afford. Unfortunately, this is a vicious cycle that can all too easily end in ruin.
But there's another way to look at it. Rather than look at your income, you can focus on your net worth. Your net worth is pretty easy to calculate, and most software programs for tracking your finances can report it very easily. Your net worth is the sum of all of your assets (the value of your home, your car, your retirement accounts, any investment accounts, your checking and savings accounts) minus your liabilities (your mortgage, car loans, any other loans, and credit card balances). If the things you own are worth more than what you owe, then you have a positive net worth (sometimes referred to as "in the black"). If not, then you have a negative net worth (sometimes referred to as "in the red").
It's helpful when looking at net worth to pair assets with their related liabilities. For example, pairing a house with it's mortgage, or a car with it's car loan. Then you can see the effect of a particular purchase on your overall net worth.
Here's an example of a fictitious family:
Greg and Linda bought a house 2 years ago in preparation to have a child, and Linda is now expecting. While they put 10% down, the house has lost some value and so their mortgage is high compared to the value of the house (but they aren't underwater as they didn't buy during the peak). They also just bought a brand new Honda Odyssey minivan. They are almost done paying off a 2007 Camry that they bought new as well. They've done some saving for retirement and recently opened a 529 account for their baby using a $2,000 gift contributed by the baby's 4 grandparents. On the liabilities side, they have 2 credit cards that they use for routine purchases as well as 3 store credit cards they got when furnishing their house.
If you put it into a table you can see the paired assets & liabilities:
|Impact on Net Worth
|2011 Honda Odyssey
|2007 Toyota Camry
|His 401(k)
|Her 401(k)
|Checking Acct
|Savings Acct
|529 Account
|VISA Card
|Store Credit Card 1
|Store Credit Card 2
|Store Credit Card 3
|Student Loans
Our example couple has a net worth of $667. The good news is that they are in the black. The bad news is that they owe about as much on their house as it is worth (they have a high debt to equity ratio), which will make it hard for them to sell their house if they decide to move. Also, the new minivan will probably depreciate faster than they will pay it off, leaving them underwater on it for a time. Also, because almost all of their savings is tied up in long term investments (their 401(k) and 529 accounts), they can't use that money to help reduce the consumer debt they have, which is substantial. Between their Visa, MasterCard, and store credit cards they owe $20,583, and the interest on that is going to be significant. Assuming a rate of around 16%, they could be paying upwards of $3,750 in interest each year.
Greg and Linda have the money to make ends meet, although most of their conveniences and luxuries go on the credit card. So they are making it, and doing just fine from an income perspective. The problem is that, from a net worth perspective, they aren't getting very far. Their credit card debt is rising about as quickly as their savings rate, and while at first they thought it was going to be a temporary increase, they are finding that the maintenance costs of the new home and preparing for their child is changing their spending habits, and not necessarily for the better. They are looking at their budget and trying to figure out how to cut back, which they've done successfully in the past to save up for the down payment on their house. But for the first time, they are starting to ask themselves net worth questions – do they want to keep two jobs? Is Greg's career, which requires some travel, something he wants to keep even as their baby grows? What about more kids? Greg and Linda are starting to ask value-based questions about their finances, and realizing the difference between having a high net worth vs. income.
Once you start looking at your financial life through the lens of net worth, you start to see the distinction between what you can afford and what you value. Rather than deciding you should spend X% of your income on a mortgage or car payment, or save only Y% of your income, you can consider how fast you want to grow your net worth and why. These kinds of decision can help you build a value-based budget and make that budget much easier to stick with.
Next time, we'll discuss the basics of debt, and how to control it for your own happiness.
Thumbnail Photo: Blocks 1 by Crissy Alright
Story Photo via Wikipedia
Below Your Means Basics: Track Spending and Build a BudgetJune 13th, 2011
At Below Your Means we are passionate about building personal freedom through spending less, saving money, and understanding what we value. The first step to living below your means is tracking your spending and building a budget. Sure, you can cut down on your spending, even significantly, without knowing where your spending is going. But finance is, at it's most basic, an exercise in math. If you bring in more money than you spend, you're living below your means.
Simply cutting your spending isn't going to lead you to happiness though. In fact, your budget plan may fail simply because you don't have the tolerance for living within the plan you've laid out. But, if the way your life is set up now requires you to spend more money than you make, then at a certain point you're going to need to make some changes. What changes, exactly, have everything to do with what you value and your sense of what things in your life are worth.
To help you build a budget that you can thrive on, we've assembled a few articles on tracking your spending and building a budget the Below Your Means way.
Consider this a getting started guide to budgeting basics:
- Below Your Means Basics explores the value of living below your means and the importance of using finances as a tool to achieve your personal goals
- 3 Principles for Tracking and Budgeting discusses the 'why's behind a tracking your spending and building a budget, and ways to make sure you build a budget that works for you.
- 3 Principles for Tracking and Budgeting, Pt 2 discusses special circumstances like planning with your spouse and kids, as well as dealing with highly variable income situations like self-employment
- Getting Your Budget Done covers a step-by-step plan for building a budget centered on your goals and values
- 10 Common Budgeting Pitfalls to Avoid (and What to Do Instead) identifies common problems with building and maintaining your budget and offers suggestions on how to avoid them.
Getting a monthly and/or annual budget in place will show you once and for all that you CAN make decisions that lead to long term happiness and security. And you don't need a huge income to make it happen. You do need to understand what is important to you, and plan for that.
Below Your Means Zen: A Bottle of RocksJune 10th, 2011
And now for a Below Your Means moment of Zen:
Recently my son performed in a school play. The teachers who organized the play had the great idea of having a 'cast party' for the kids in the playground behind the school. We parents ate snacks, chatted, and watched our kids. Their favorite party toy – taking an empty water bottle and filling it with rocks. It was a maraca, a weapon, a simulated waterfall, a physics experiment, and who knows what else. To me it was a great lesson that kids value experimentation and great experiences over stuff. They're on to something.
Below Your Means Basics: 10 Common Budgeting Pitfalls (and What to Do Instead)June 10th, 2011
Wrapping up our "Back to Basics" this week, here are some common pitfalls that can sabotage your budget.
Pitfall #1: Building a Budget with No Purpose
If you start to build a budget and don't have any clear goals, you'll just feel like you climbed into a straightjacket for no reason. Even if you manage to stick to the budget for 3 or 6 months, you'll find that you aren't really any closer to where you wanted to be. Remember your budget is all about understanding your values and helping you know if a purchase is worth it to you.
Instead: Set clear goals. These can be tied to paying off credit cards, paying off your house or car, retiring by a certain age, taking a vacation, etc. If you're just getting your hands around your finances, go with the envelope method or use cash.
Pitfall #2: Using Credit Cards to "Bust the Budget"
If you use credit cards on a regular basis, it is very easy to overspend. In fact, credit card processors will tell their customers that they should accept credit cards because the average buyer will spend more if they are buying with a credit card than if they are buying with cash. Cash helps remind you to make a value determination.
Instead: Pay cash or track religiously. If you're going to keep using your card, you need to update the balance in your processing system (we highly recommend something like Mint.com or an Intuit product like Quicken) frequently. Probably every other day, or every third day. Weekly is as far as I'd push it, but if you're new to tracking your spending, I think you'll be surprised how much your can run up in one week
Pitfall #3: Budgeting Alone
If you don't share your goals and values with your spouse, family, or close friends, you probably won't get the support you need to stick with it. It's hard to be the only one trying to cut back or make changes. "Let's all go out to eat" can easily blow your budget if you don't add "hmmm… that place is pretty pricey, I'd like to keep it under $20. How about we go to this place instead?"
Instead: Enlist the support of family & friends. I am always on a budget and never ashamed to say so. It's smart to live deliberately. Be proud of it. When you're making decisions in a group it helps to set your boundaries. Expect some teasing, hold your head high, and move on.
Pitfall #4: Leaving No Room For Error
Stuff happens. The dishwasher breaks, the furnace goes out, you get a chance to score some tickets to an awesome show, you start dating someone wonderful, you forgot your anniversary, your child sprains an ankle, whatever. You can't budget down to the penny, so make sure there is room for the unexpected.
Instead: Leave a percentage of your budget for the unexpected. Exactly what percentage depends on your circumstances, but 5%-10% isn't a bad place to start. One way to get to the bottom of this number is to look at your credit card statements and see what surprises went on your cards every month.
Pitfall #5: Budgeting Against Future Earnings
You may finish your budget and find out that you're short. It's tempting to say to yourself that more money is coming — whether you are picking up extra shifts at work, counting on a bonus, counting on business picking up, or planning to take on a room-mate or odd jobs. You can't count on that kind of money until you are consistently earning it, and you don't want to wind up in debt because you were counting on that money and it didn't show up (or showed up much later than you expected it to).
Instead: Budget based on your current income (or less). You can always revisit the budget if your income rises to a higher consistent level. One bonus or one good sales quarter does not make a consistent increase, by the way. Use those one-time or infrequent bumps in income to accelerate your savings or debt reduction goals.
Pitfall #6: Getting Too Detailed
A budget that is too detailed is flawed in a few ways. One, it's too hard to keep it up. If you are scrutinizing every receipt to split it into dozens of inter-related categories, or tracking a 50 cent purchase of bubble gum, you're probably not going to have enough time to track your spending and compare it to your budget. Two, it probably doesn't help you make any decisions. Does it really matter that you went over your "Groceries" budget by $50 and were under on your "Toiletries" budget by $30, or is it equally informative to know you were over on "Groceries & Toiletries" by $20? Either way, you still need to get $20 more of value out of your current spending, or realize that the things you bought weren't worth it, and cut back.
Instead: Consolidate categories by how you make spending decisions. If you typically make all of your grocery and toiletry purchasing decisions over the same couple of stores, lump them all into one category. If you go over, you'll be able to scan the receipts and see why without needing to keep track of each category independently. Corollary – if you consistently go over in a single category even after analyzing it, you may want to split it up into multiple categories to get a better view of what is happening.
Pitfall #7: Confusing Your 'Wants' and Your 'Needs'
I need my coffee or I'll never get through the day! I need my massage after dealing with the kids / my job! I need my movie time or I'll go crazy! I need my housekeeper or the place will never be clean! I need my BMW if I'm going to work at this job! It's very easy to rationalize your additional spending. And these don't have to be big purchases, either. You can easily spend an additional $30-$50 at the grocery store each visit because of things you 'need' or 'deserve'. Don't make the luxuries of the past the necessities of today. And don't confuse the values of others with your own values. If your job really requires you to spend money on things that aren't worth their cost to you, then you may be in the wrong job.
Instead: Stop yourself and re-assess your goals and values. If you build your budget with a business mindset – looking at what you want to accomplish and what you need to do to get there – then you should be able to figure out where you can let go and what you truly need. The motivation to stick with it will come from working towards achieving your passions. All your habits that help you make it through the day at a crummy job will pale in comparison to watching your progress at saving up for a career change. And many couples have, after a dispassionate review of the math, realized that their 2-income life was no more profitable than a 1-income life after all their job expenses were taken into account. Now, if you're working two careers that you love, that could be a good decision. But if one of you hates your job, you're wasting your time.
Pitfall #8: Failing to Review
The budget doesn't DO anything. It doesn't change your spending habits. It doesn't track itself (although good software certainly helps). It doesn't make you care about your goals. It should give you the information you need to see how you are performing and what progress you are making against your short, medium and long term goals. If you think that you can spend a weekend getting a budget in place and everything after will be magically wonderful, you are on your way to disappointment. And, if you don't include in your planning setting aside the time to review your work, you're planning to fail.
Instead: Set aside regular time to track your spending and review your progress. Depending on whether or not you are using the envelope system or credit cards and an electronic system, this can be as far apart as once a week and as often as every two to three days. You need to get it on your calendar and stick with it.
Pitfall #9: Failing to Cut Your Spending
So, you've decided that you only have $75 in spending money for the month. The second rolls around, and you hit a coffee shop in the morning and go through $5. Lunch is $8 because you didn't bother to pack it. Dinnertime rolls around and you stay late at the office (unavoidable) and wind up hitting the drive through on the way home, going through another $8. Once home, you buy 4 songs on iTunes at 99 cents apiece because your day was so lousy and you want new music to listen to at work. You've now spent 1/3rd of your $75, and you're only 1/30th of the way through the month.
Instead: Realize where you are going to need to change your behavior, and start immediately. There are lots of sites out there (ours included) with ideas to help you through your problem areas. In this case, cooking a big meal on Sunday and storing the leftovers (to cover dinner when there was no time to cook), making coffee at home, and packing a lunch in the morning (which could also be frozen leftovers) could have lowered that $21 in spending down to near zero. And since you were happy with your budget progress, the iTunes purchase might have been more deliberate…. meaning either you spent the $4 because you really thought it was worth it, or you didn't buy the songs (or bought less).
Pitfall #10 (For Couples): Trying to Agree on Everything
Remember, your budget is an expression of where you think it's valuable to spend your resources, and it's pretty unlikely you will agree on everything. Don't lose the whole budget because you can't agree on all of it.
Instead: Make sure there is money that each of you can use independently, and set thresholds for group decisions. Your independent money is yours to use however you see fit. And, if you're within budget, you should be able to make small decisions alone. Many couples use the $100 mark for joint discussions.
Pitfall #11 (Use Carefully!): Leaving No Room For Fun
If you are building a budget expressly because you are in a valley of despair over the state of your debt, it can be easy to tell yourself "I'm not doing anything else fun until I have this crap paid off!" But you'll break that promise to yourself soon enough, whether it's at the bar, in line at Starbuck's, during lunchtime at the office, or with the kids at the toy store. HOWEVER, this is not a free pass to blow your budget or do whatever you want whenever you want to. Your "room for fun" needs to come in the form of a budgeted amount that is realistic and within your means. It does NOT mean that it's OK to run up credit card debt or skip out on your savings goals (or worse, monthly bills) just because. Remember this is ALL for "yourself"… the reward is not the latte next week, it is a lifetime of debt free living.
Instead: Make sure you have some money for fun. Again, how much is really dependent on your personal circumstances and your goals. If you're not sure how to start, pick 3 or 4 things you do for fun on a regular basis, and make sure you have enough money to do them once or twice a month. You may have to drop some expensive habits (have your friends over and make drinks there instead of heading to the bar, or have family movie nights on a rental with homemade popcorn instead of at the theater).
Thumbnail Photo: Blocks 1 by Crissy Alright
Story Photo via Wikipedia
What principles do you follow when budgeting? What problems have undone your efforts, and how have you gotten past them?


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Modular radiochemistry synthesis system
A modular chemical production system includes multiple modules for performing a chemical reaction, particularly of radiochemical compounds, from a remote location. One embodiment comprises a reaction vessel including a moveable heat source with the position thereof relative to the reaction vessel being controllable from a remote position. Alternatively the heat source may be fixed in location and the reaction vial is moveable into and out of the heat source. The reaction vessel has one or more sealing plugs, the positioning of which in relationship to the reaction vessel is controllable from a remote position. Also the one or more reaction vessel sealing plugs can include one or more conduits there through for delivery of reactants, gases at atmospheric or an elevated pressure, inert gases, drawing a vacuum and removal of reaction end products to and from the reaction vial, the reaction vial with sealing plug in position being operable at elevated pressures. The modular chemical production system is assembled from modules which can each include operating condition sensors and controllers configured for monitoring and controlling the individual modules and the assembled system from a remote position. Other modules include, but are not limited to a Reagent Storage and Delivery Module,more »
- Publication Date:
- OSTI Identifier:
- 1169625
- Report Number(s):
- 8,951,480
- DOE Contract Number:
- Resource Type:
- Patent
- Research Org:
- The Regents of the University of California, Oakland, CA (United States)
- Sponsoring Org:
- Country of Publication:
- United States
- Language:
- English
- Subject:

subset: commoncrawl


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SU-JEE 2017: Sandip University, Nashik, has invited online applications from eligible and interested candidates for admission to various UG, PG and diploma programs. The university conducts an entrance exam namely SU JEE 2017 for offering admission to eligible candidates in different courses.
Aspirants, who want to get admission in Sandip University, they must apply for the SU JEE 2017 exam as per schedule date. The last date for SU JEE 2017 application submission is April 5, 2017. To get complete details on SU -JEE 2017 candidates can go through the article mentioned below in this page.
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Apply Now for Sandip University: Click Here
SU- JEE 2017 Important dates
|Online SU-JEE 2017 Exam held on
|April 23, 2017
|Offline SU-JEE 2017 Exam held on
|April 16, 2017
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(for both Online / Offline mode)
|April 5, 2017
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Candidates need to satisfy the important eligibility criteria before going to apply for the exam. The eligibility criteria of SU JEE 2017 are as follows:
Age limit
- The minimum age limit is 16 years as per the year of admission.
- Indian nationals can apply.
- Candidates from other countries are also eligible to apply.
Educational qualification
The academic qualification for various levels is given below:
For Undergraduate Courses:
- Aspirants should have completed or appeared their higher secondary examination from a recognized university or educational institute with minimum qualify marks.
For Post Graduate courses:
- Aspirants should have completed or appeared their three year duration bachelor's degree in any field from a recognized university or educational institute with minimum qualifying marks.
For Diploma Courses:
- Candidates must have passed/ appeared their SSC or 10th examination from a recognize board or educational institute.
SU- JEE 2017 Application Form: How to apply?
The SU-JEE 2017 application forms are available online only. Candidates should read all the important instructions and eligibility conditions available on the brochure carefully before starting the application fill process. They have to fill all the mandatory fields (marked as red star) very carefully and accurately. To apply for SU-JEE 2017 Click here
Admit card
Candidates who registered successfully can obtain their SU-JEE 2017 Admit card online from the official website of Sandip University. Applicants need to provide their application number and online test booking password to download the admit card. The authority will also send the copy of admit card your registered email address.
E-hall ticket is an important document as it contains details like the name of course/s applied for, E-Hall Ticket number, examination schedule, test center etc. Candidates must bring their E-hall ticket while coming to the examination center. No applicants will be allowed to write in the test without a valid E-Hall Ticket.
Examination pattern
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|Multiple choice type (MCQs)
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|Negative marking
|No provision of negative marking
Official Website- Click Here


text:
Boredom can be displaced only so far. Even the most deluded of gamers can eventually realize that their strivings have no purpose, that all they have achieved is a hollow trophy, the delusion of value, a meaningless rank built on an arbitrary number. Boredom always returns. Giacomo Leopardi: "The uniformity of pleasure without purpose inevitably produces boredom." The very action of overcoming boredom reproduces it, when gamer and game reach some impasse. There is always a limit. In games this limit it always given in advance. That's the very merit of games. In State of Emergency, the game is an allegorithm of its own limited interest. It turns the moment of boredom, the hour propitious for making bombs, into a game as well. It's a game about the destruction of gamespace — as itself a game. The destruction of gamespace is a game that provides a uniform pleasure with any other game. This is the military entertainment complex at its height, constantly displacing boredom into yet more games.
Playing State of Emergency has a kind of liberating openness. You feel rather than merely see or hear the environment of the game. You scan the mall for weapons, enemies, opportunities. Anything else is just noise. Space is marked with targets — with boundaries that draw or repel you according to how they might effect your score and your progress through the game. The gamer opens out into the game and is no longer bored. For a bit. But this openness also has its limits. While in the game and playing it well, everything in it appears only from the point of view of its relation to winning the game. Nothing is anything other than a means to that end.
Here boredom threatens to appear again. You are left empty by the game, no longer taken (or taken in) by the things within it. The action appears futile. Nothing moves you. You opened yourself to the game but the game itself does not really open toward you. You opened towards something closed. It is an animated space in which things are just marks of good or bad possibilities within the game. The possibility of doing anything much seems to be withheld by the game. It feels like suspended animation. And yet, strangely, what is frustrating is that possibility itself seems so tantalizingly tangible precisely because it isn't here. Something appears precisely because its arrival is out of bounds. As Heidegger champion Giorgio Agamben says, it is: "The being which exists in the form of potentiality for being." But this potential is of a very particular kind. It is the potential of something no longer particularly human. It is the potential of topology itself, where your digits, grasping the controller, touch the digital, which in a weird way touches back.
Gamespace is an animation machine. The digital and the human lead an uneasy existence there. On the one hand, there are constant attempts to 'humanize' the technological, to make it appear as if it were there for you. On the other, the digital reduces the human to the status of the digital. It marks all of space as a battlespace with yes/no triggers. In State of Emergency the human appears to rage against the machine, but the figure of the human within the game is an animation, a machinic special effect. The real human, you might say, is the gamer playing the game. But this human, in order to play, has to think like something other than a human. It has to become animated, machinic, responding to targets within the game as signals switching on or off behaviors aimed at sheer survival. The gamer coupled with the game is a strange animal.
Here is some backstory, about a strange, famous animal, known to Heidegger, and much discussed since. Deleuze and Guattari: "the tick, attracted by the light, hoists itself up on the tip of a branch; it is sensitive to the smell of mammals, and lets itself fall when one passes beneath the branch; it digs into the skin, at the least hairy place it can find. Just three affects; the rest of the time the tick sleeps, sometimes for years on end, indifferent to all that goes on in the immense forest." It is an animal that lives in a world which appears as just a few targets. Agamben again: "Under particular circumstances, like those which man creates in laboratories, the animal can effectively suspend its immediate relationship with its environment, without, however, ceasing to be an animal or becoming human." This suspension is also what the digital game does. The gamer suspends a relation with an environment — gamespace — within the special topic of the game, without ceasing to be human or becoming machine.


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If you are doing the 24hr, let's get some friendly competition going! We're a group of 4 forty-somethings and doing our 1st 24hr race.
schmed, i would join you as a fellow 40 something homer but have other stuff this weekend.
how about you guys consider joining the Friends of COMBA team for the Firecracker 50 on July 4th?
Let me look into the FC50. We have family in-town that weekend, but they might enjoy watching!
Forum Rules


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The phenomenon of forgetfulness occurs when you are sailing with your chartered yacht and your friends who even make the cruise special, on the waters of your dreams. It is the feeling of freedom which makes us forget that the chartered yacht is not our own.
And how quickly it can be happen? A sail breaks, the screw touches the ground or our holiday yacht gets a few scratches. Understandably, the yacht owner secures himself/herself against unpleasant surprises and charges a nominal fee, the deposit. If he/she will find only the smallest damage after your return from the dream vacation, he will partly or fully retain this deposit. For this case you are well protected by a charter deposit insurance. Take advantage of our attractive deposit insurance for Skipper and Crew.


text:
But fear not - there is plenty to explore...Shop all Freestyle Shop sale Freestyle
Freestyle Tide 4.0 Watch: The Freestyle Tide 4.0 is the newest edition to the Tide group. Upgraded from the Tide 3.0, the Tide 4.0 includes sunrise and sunset times to complement its 150 beaches of pre-programmed tide data. The Tide 4.0 isn't just for surfing anymore, its valuable sun/tide information is important for anyone counting on the perfect ocean and sun combo for the best time, whether fishing, boating, sailing or diving.
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Brian Atwood's latest Victoria's Secret's video campaign, starring Candice Swanepoel and some naked hunks, has been banned as it was considered too racy by the building housing his soon-to-open New York store.
The campaign poster shows Victoria's Secret's angel dressed in a black basque, hold-up stockings and leopard-print heels, sitting astride two bare-chested men, reports The Daily Mail.
The video version of Atwoodâs ad campaign, which was to be aired on screens in New York taxis, has also been banned by the companies that provided TV content for the Taxi and Limousine Commission.
The filmâ takes the orgy allusions even further by throwing in a bank of TV screens playing pornâ â although a âPGâ version was also reportedly rejected by taxi TV.
Reps for the Taxi and Limousine Commission explained that any decisions considering content would have been made by the private vendors who operate the TVs.
Shot by well-known fashion photography duo Mert Alas and Marcus Piggott, the as is due to make its debut this month in the September issues of Vogue, W, V Magazine and CR Fashion Book.
However, the film, which is based on the theme, 'the sex is in the heel', was described by the designer in WWD as 'sexually charged'. âThere is something so sexy about this part on a woman, and these shoes celebrate that,â he explained.
Itâs the first large-scale advertising campaign for Atwood, whose shoes are worn by many celebrities including Jessica Biel, Kate Hudson, Victoria Beckham, and Rachel Weisz.
In an interview to Elle, the famous designer revealed that his modern-day muses are⦠confident women. âI love women who love fashion and shoes. Women who are confident to express themselves through what they wear.â
When asked about the "Brian Atwood" woman, he responded: âAnne Hathaway and Kate Hudson are great… young, gorgeous, and smart, Demi Moore, Cameron Diaz, Victoria Beckham, etc. I love that these women are very individual in what they wear and it comes from a confidence that they have inside.â
Last month saw reports that the designer sold his company to The Jones Group Inc. He remained creative director, but the move allowed him to start opening stores around the world, starting with a New York location at 655 Madison between 60th and 61st Streets.
"The 1,500-square-foot store is currently on track to open in early September, which means we might be in for a Fashion's Night Out debut,â Racked reported at the time.
âIt will carry the world's biggest selection of Atwood's collections, including the contemporary B Brian Atwood line, over 50 styles of bags, and some 25-30 exclusive designer styles.â
At the same time, Atwood opened up about his plans to relaunch his website with a new, super-pricey, invite-only VIP section called "The Vault."
â[The Vault] has the craziest, most exuberant, exaggerated designsâlike python thigh-highs. I wanted to make something really special,â Atwood said, explaining the concept.
âItâs all about making a woman desire that shoe more than anything. If she didnât get it, I want her to not be able to stop thinking about it and go get it the next day. I always say my job is done when a woman canât stop looking at her feet.â


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Title by Ramaya TegegneFebruary 2nd, 2013 | By Yanda
'Is the linguistic message constant? Is there always something textual within, beneath, or around the image?
In order to discover images without words, we must doubtless go back to partially analphetic societies, i.e., to a sort of pictographic state of the image; actually, since the advent of the book, the link between text and image is frequent; this link seems to have been studied very little from the structural point of view.
What is the signifying structure of 'illustration'? Does the image duplicate certain items of information in the text, by a phenomenon of redundance, or does the text add a brand-new item of information to the image? '… – Roland Barthes


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I'm Mr. DJ Tommie Sunshine & You're Not
Where to begin? If you don't know who I am, you will soon enough. If you do, then howdy. Hope you've been as great as I have! So Matt has given me a monthly spot from now on to let you into the world of SUNSHINE. What that all entails, you will soon find out. Let's get ready to rumble!
First of all, I would like to talk to you about how fabulous it is to be a traveling DJ. I love airports. The people you meet in an airport bar are the most wonderful/frightening people in the entire human race. What's really scary is after talking to them for half an hour you find out you're exactly like them. Airport newsstands are great because after you can't waste any more time in the bar, you can view "girl-on-girl action" in the newest issue of Hustler (a hearty hello to the big man, Larry Flynt). Then there is the plane ride itself. Being 6'4″, I dread the minute that the subhuman in front of me reclines their seat and crushes my tray table into my knees. But then there's always the hot stewardesses and the occasional buxom coed returning from a weekend visit home to mom and dad to take away the pain.
Another thing I really enjoy about this career choice is the questionable hotels I've stayed at in recent memory. My particular favorite was the room I stayed in during my visit to St. Louis for 'Lovelife' -the Superstars Of Love 5th Anniversary (of which I will tell you more about later). As Felix Da Housecat and I entered the hotel, we were greeted by a maniacal desk clerk. When asked if he was going to attend the party later that evening, he replied (and I quote), "I don't like any type of superstar bullshit. All I really like is chicks, guns, and making things explode. I have built a couple of my own bombs. Would you like see them?" Now we all know that St. Louis is fucked up to begin with, but this guy wins a fuckin' Oscar.
We got the keys to our rooms and traveled down the hallway only to find a teenage hotel party raging full-on. If I am not mistaken, the new Korn CD was blaring from a boombox and the stench of Old Milwaukee, wine coolers, and CKOne hit me like a noxious cloud. Who needs cloning when we've got The Gap? I swear to God all of these kids looked exactly the same. But then again, so do all the ravers. So it really doesn't make a difference. Anyway…
I entered my room to find the sink in the actual room and the bathroom was behind a closing door. Then I looked down and saw a nice mosaic of cigarette burns throughout the carpeting. I was praying I wouldn't find a dead hooker under the bed. Thank God I did not. All of this was pushed aside when I found the Shawn Mullins video for 'Rock-a-Bye' on VH1. This video, of course, stars Dominique Swain, the fresh flower from the movie Lolita. At that point, you could have put cigarettes out on my forehead and my night would have been just fine.
Off to the party!
Felix kicked some St. Louis ass and my set seemed to blow everybody's mind. I began my electro journey with 'Highway to Hell' by ACDC (hey Kurt), dragged everybody through an hour and a half of 80's drenched traxx, and wrapped it up with 'Whole Lotta Love' by Led Zeppelin. (You really wanna know if somebody is worth talking to? Ask them if they like Zeppelin. If they say no, walk away.) Only in St. Louis could I get away with such malarkey. If I did that at some kid's party in Alabama, him and his friends would probably kick my ass and I would ruin the night. St. Louis, as expected, embraced it with open arms.
Matt asked me to talk about the "Good Old Days." I assume he meant the beginning of rave circa '92, but I'll save that for next issue. I would rather talk about the REAL "Good Old Days." Here are my top 10 moments (in no particular order):
1 Playing with the plants to 70's AM radio (someone left the cake out in the rain…)
2 Going to see "Close Encounters of the Third Kind" in the theatre with my aunt Ro (I still love mashed potatoes).
3 Performing 'Rocket Queen' and 'Welcome to the Jungle' in my Senior-year air band (I was Duff.).
4 Taking LSD on Christmas Eve and driving out to the middle of a cornfield, watching the sun rise while sitting on the hood of a car, and peaking with the Vienna Boy's Choir singing the Hallelujah Chorus blasting out of the stereo. (I'm still having, wait, oh yeah, flashbacks…)
5 Getting caught shoplifting Gummi worms from a major grocery store I'd rather not name (my Polaroid probably still hangs on the suspect wall).
6 Smoking a joint with Lenny Kravitz while talking about John Lennon at the Cabaret Metro 6 months before "Let Love Rule" came out. (really.)
7 While in the only fist fight I've ever been in in my life, I couldn't stop humming Survivor's 'Eye of the Tiger.' (It's the eye of the tiger, It's the thrill of the fight!)
8 After working all weekend at the opening of a Subway store (where I worked in the Spring of '87) I took a giant hit off a helium balloon, passed out, hit my chin on a steel table, and was rushed to the emergency room. (Shelly, you can relate.)
9 During a legendary day of first grade, right before lunch, my one friend peed her pants. And after lunch, my other friend puked all over the kid in front of him. This was probably the best day of my life. I'm still laughing. (That's right, pissed all over her dress and her tights!)
10 Sitting in my room listening to Foreigner's 'I Wanna Know What Love Is' and sobbing uncontrollably about a girl I could never have. This was 8th grade (I was such a jerk).
Now that's what I call "Good Old Days."
Before I go, I would like to give you a quick synopsis of the Hallucination Before Christmas- Rabbit in the Moon's annual Christmas party held in Tampa, FL. As always, I dressed up as one of the misfit pimp Santas (Bunny of RITM was the other) and wreaked havoc on all that is female in Tampa. After getting totally shitfaced, it was time to give away the "gifts." I sat on a throne with two scantily-clad teen Santa's helpers and before giving any girl a "gift," she had to give Santa a "gift." I would not give anything to any girl without getting at least a kiss with tongue. I received many "gifts" that night, all of which I will leave to your imagination. And know, in case you were wondering, it does not and did not hurt when I pee. While this went on, there was a girl dancing topless to my right most of the time. When Monk took the tables, he played a set of shit-kickin' ghetto booty filth that prompted no less than a half a dozen girls to totally strip naked on the stage in front of him. That, my friends, is a motherfucking party. You wish you were there, trust me.
I am going to get back to my dreadfully boring life and I'll let you get back to yours. Please direct all that you've felt while reading this to me in care of Massive. Not like I care what you think, but if you feel so inclined, knock yourself out. 'Til next time. (Dawson's Creek is on, so I gotta jet.)
All of my love, All of my love, All of my love to you.


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The Jackson County Sheriff's Department says the public came to the rescue.
Deputies say "numerous tips" helped them track down 34-year-old Kevin Rodney Rowe.
They say he's the suspect in the September 27th robbery of the Korner Keg in Summit Township, just outside of Jackson.
The sheriff originally said he was wanted for armed robbery and stealing a car. The department is now labeling it a strong armed robbery.


text:
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text:
The Bachelor of Fine Arts in Sculpture is for individuals who are interested in a vigorous exploration of the plastic arts to create a three-dimensional body of work.
Students in this major take extensive courses in art history, design, drawing, and introductory courses in sculpture to lay the foundation for the development of a personal body of work both conceptually and formally informed. Sculpture majors also engage in internships, gallery exhibits, and public works in preparation for finding practical applications for painting beyond the studio.
This major teaches students how to think creatively for themselves and prepares them for a lifelong engagement with the world of art.
Program Objectives
- Develop a sophisticated set of technical skills with a variety of tools and materials.
- Envision and execute a personal voice through a body of work.
- Exhibit a cohesive body of work.
- Introduce an aesthetic initiative into a wider public community.
The faculty in Sculpture have decades of experience in both teaching and exhibition. Work from these individuals appears in national collections, both public and private.
Additional Information
For more information, contact Christian Brandjes in the Department of Visual and Performing Arts at firstname.lastname@example.com or 716-839-8463.


text:
lunaria annua
On 24, Oct 2016 | No Comments | In plants, shade | By All Year Garden
Speaking of plants for shade, this one kind of is, if you want to call shade the sunlight dappled through a rare tree canopy. Honesty is a biennial plant, but much like the long lasting hollyhocks, it reseeds enough to maintain its presence in the same spot for many years.
I never planted this flower in full sun, so I don't know how it would behave there, but it performs reliably in part shade and on the north side of the garden. This one is white, but the plant comes in white and purple, like most wild flowers do. Read more…
In a place of your own
the daily gardener
On 10, May 2016 | No Comments | In a place of your own, plants, shade, the daily gardener | By All Year Garden
When you had a perennial garden for many years you'd think there can't be many plants you haven't tried but that is not true. New varieties appear every year, better adapted to your growing conditions than their uncooperative kin, more fragrant blooming plants for the shade, more cottage perennial cultivars to substitute those you previously thought too demanding. Read more…
fall hostas
On 28, Sep 2015 | No Comments | In plants, shade | By All Year Garden
The hostas bloomed like never before this year, in my garden and everywhere else, proving to unenthusiastic gardeners how stunning they can really be. Read more…
In shade
Create a perennial shade garden for zone 5
On 29, Mar 2012 | No Comments | In shade | By All Year Garden
Shade is not created equal. Most plants recommended for full shade usually don't like at least three of the six types described in this article. Plants recommended for part shade will most likely thrive only in the last two. Full sun plants can be very happy in dappled shade if they bloom before May or after October. Read more…
In shade
late fall bloomers
On 13, Oct 2011 | No Comments | In shade | By All Year Garden
No, this is not an orchid. I kind of abandoned the expectation to see any flowers on this plant since it didn't bloom last year and I moved it to an even shadier location in spring. I have to say that the wait was worth it: can you believe this flower? Read more…
In shade
fringed bleeding heart
On 17, May 2011 | No Comments | In shade | By All Year Garden
A friend and fellow gardener gave me these fringed bleeding heart seeds which I sprinkled over the shady flower bed in the back yard at the end of fall. Next spring I got the wonderful surprise to see these new plants growing.
The fringed bleeding heart is a native of the Appalachian mountains, and it likes rich moist soils in woodland shade. It can do well in full sun if the soil is not getting too dry.
An unpretentious perennial, the fringed bleeding heart doesn't grow very tall, only 1 or 2 feet, but it is a reliable and long blooming plant that dons pink flowers from June to the end of October. As you can see here, mine bloomed early. It doesn't die back in mid summer like its noble cousin, and the fringed airy leaves create nice contrast and texture in the garden long into the fall.
It spreads quite easily and it doesn't mind being moved. There is also a white variety, but it is less often encountered.
This plant does really well in zones 4 through 9
In shade
hepatica for woodland shade
On 31, Mar 2011 | 11 Comments | In shade | By All Year Garden
One of the harbingers of spring, the delicate and not so familiar hepatica is a wonderful addition to the woodland garden. It naturally grows in the forest, but will adjust nicely to any shady area with rich moist humus. It comes in blue, white and pink and it is one of the earliest blooming flowers, out there with the crocuses and the snow drops.
If it finds a good location it will happily spread and create clumps of pretty flowers with bright yellow stamens. The petals are not really petals, but modified sepals. Flowers appear on green hairy stems with a basal rosette of heart shaped leaves.
Some varieties' purplish-pink leaves vague resemblance to liver explains the name of the plant, although in the old days it was also used medicinally for affections of this organ. It is poisonous ingested in large quantities and it is not a liver tonic after all, but a mild diuretic and soothing for slow healing wounds. Don't try this at home, there are well tested and safe ways to deal with these afflictions that don't run the risk of poisoning or allergic reactions.
It is a beautiful plant, slightly scented, and it blooms very early in the shade or in full sun, that should be enough.
In shade
On 13, Mar 2011 | No Comments | In shade | By All Year Garden
I guess this means it is officially spring. I knew hellebores bloomed early, but I didn't expect to see this when I looked out in the back yard today.
I love lenten roses, they are wonderfully reliable blooming plants for a shady woodland area. They are supposed to thrive in rich and moist humus soil, but this one is growing in shallow hard clay that has not been watered since last fall.
It is very easy to propagate hellebores from seed, but much like peonies, you will have to wait for two or three years to see flowers. They lend themselves well to crossing and creating new cultivars.
In shade
fruits of the forest
On 01, Sep 2010 | No Comments | In shade | By All Year Garden
Soft, mushy and colorful, mushrooms embellish deeply shaded areas of the forest with their little umbrella caps. Whether they are edible or not, the forest would not be as fragrant without them. After a rainy night they pop out of nowhere, easing off from under tree bark and green growies, slightly humid with dew and smelling like fresh humus.
If you happen to know your edible mushrooms, a trip to the forest after the rain can provide a tasty treat, however one should leave the recognizing of mushrooms to the pros, since very similar looking fungi can be poisonous.
The kids were all excited about looking for mushrooms and photographing them, and here is the picture to prove it. We found this little lady on a trail in the Smokey Mountains.
In shade
the heralds of fall
On 17, Aug 2010 | No Comments | In shade | By All Year Garden
Sedums will keep your garden vibrant and colorful from the onset of fall late in august until and after the first snow falls. They start out light green and slowly change color to the lightest pink that deepens to a dull rust before they go to seed.
Sedums like full sun, but will do very well in the shade. I have several clumps in complete shade and they are blooming faithfully. Once established they don't require even the most basic care. They will make do with whatever food and water nature offers that year.
Sedums will need dividing every few years. If the plant starts growing only around the sides and hollow in the middle, it is time to dig it out, divide the root ball in two or more pieces with a spade and replant the separated clumps.
Sedum shoots are very tender. If afflicted by heavy hail, being crushed or stepped on, the plant will not regenerate itself or bloom that year.


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Marquette is a small town, but you probably wouldn't know it by looking at the food scene.
If you have the opportunity to visit, please (pleasepleaseplease) stay away from the chains on the main drag. Seriously, you can personally reach out to me from the Applebee's parking lot if you're feeling lost. There are SO many great options in town, you'll have no problem finding something that suits your mood, appetite and price range.
Whether you're into mom-and-pop shops, farm-to-table joints, or that hole-in-the-wall place with huge servings in styrofoam containers, Marquette has it.
Below are my absolute favorite places to eat in Marquette, and I bet you'll love them too.
Top 10 Restaurants in Marquette, Michigan (According to a Local)
Whenever we have visitors, we almost always go to Steinhaus. Jager schnitzel topped with a fried egg, house-made bratwurst and pretzels, Michigan Mules… We love the cozy atmosphere, fantastic service and fresh food.
The Marq
If you consider yourself a foodie, The Marq is the place to go. Farm-to-table at its finest with an ever-changing menu and quirky flavors (can flavors be quirky?). Just make sure to arrive early or be prepared to be flexible – quantities are limited and modifications happen.
Border Grill
It's not authentic Mexican, but Border Grill makes an awesome lunch or dinner – if we're talking frequency, I eat here more often than any other restaurant in Marquette. Made-to-order tacos, burritos, nachos, quesadillas and more. Whatever you order, make sure it comes with Border Salsa. It's addicting!
Donckers has been in Marquette for more than a century, and it's my favorite place to go for a sandwich, soup or salad. They also serve breakfast and old-fashioned sodas. Don't even think about leaving without a stop at the candy counter. The dark chocolate sea salt caramels are to die for!
Sweetwater Cafe
My favorite for breakfast. The basic breakfast – eggs, bacon, potatoes and toast – is what I order 99% of the time because it really lets the locally sourced ingredients shine.
Lawry's Pasties
If you're in the Upper Peninsula, you need to eat a pasty (pronounced "pass-tee"). It's a Yooper tradition. Pasties are meat pies, and typically contain beef, potatoes and onions. They are eaten with ketchup. I do not recommend asking for gravy – some shop owners do not take that well! Lawry's makes my favorite pasties, but there are several places you can get them around town.
Elizabeth's Chophouse
If you're looking to impress a date, Elizabeth's Chophouse is the place to go. Incredible service, high quality food and a Lake Superior view, it's no wonder the Chophouse is known as one of the best in the state of Michigan.
Dias de los Tacos
Food trucks aren't exactly ideal in the U.P. (it's a little cold here), but Dias de los Tacos is worth the chill. Amazing tacos with fresh ingredients and Upper Peninsula flair. I recommend pairing with a pint from Blackrocks Brewery, where Dias is often parked on weekends.
Rice Paddy
Remember in the intro when I mentioned huge servings in styrofoam containers? I was referring to the Rice Paddy. It's located in a little purple building on Presque Isle Avenue (near the Superior Dome), and it will knock your socks right off. The Rice Paddy serves heaps of amazing and authentic Thai food, cooked up by the sweetest woman you'll ever meet, Aoy. You don't have a name when you walk into Rice Paddy. You are "girlfriend" or "boyfriend." I've never been disappointed eating here, but I typically order the thai fried rice and cream cheese wontons. Can you say cheat day?
Lagniappe Cajun Creole Eatery
The only of its kind in Marquette, Lagniappe cooks up tasty cajun food from scratch. With a huge menus that includes frog legs, jambalaya and hush puppies, it's hard to know where to start. I recommend sticking with the classic cajun dishes and splitting some appetizers – the crawfish nachos are insanely good!
And that's a wrap!
Have you tried any of these restaurants? Do you have a favorite that didn't make my list?


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Download The Basics of Investing apk 1.1.0 free for Android smartphone
Posted by AppBookShop in Finance | Oct. 8, 2010 | 1 Comments
Apk file size: 1.9 MB
It is important to remember that few investments are a sure thing there is the risk of losing your money! Before you jump right in, it is better to find out more about investing and how it all works, read "Understanding The Basics Of Investing" and get all the information you need to get started investing.
AppBookShop part of our Finance and have average installs from 10 to 50. Last Update Oct. 8, 2010. Google play rating is 60.0. Current verison is 1.1.0. Actual size 1.9 MB.
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Silver Lake, KS – Today is another bad day for the racing family in the Topeka area as we learned that longtime racer, Bob Troutwine, ran his final race as he left this earth.
Bob had a long battle with cancer and it was a race that he put up a valiant effort. As he had done throughout his racing career, Bob was relentless to the end.At the beginning of September Bob had a chance to be honored at the final race at Heartland Park Topeka. It was a fitting tribute to a man that has meant so much to the sport.
Fans stood and gave Bob a grand ovation as he went around the track. For many years Troutwine raced week after week and did it for the love of the sport. Wins and losses never mounted on Bob's mind. Going to the track and being with family and friends and putting on a show is what meant the most to him.
He will be dearly missed by all and the racing community has lost another one of the great ones.
Our thoughts and prayers go out to all of Bob's family and friends at this time.


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not to want to be all lighthearted and forgiving about the troll invasion?(249 Posts)
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Las Vegas (Nev.) Bishop Gorman all-purpose back Demarco Murray had hoped to take an unofficial visit to Michigan this summer, but never got the chance to make the trip. Summer trips to USC and Okla...
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text: Sahaa Beach Resort offers an airport shuttle (available on request) for USD 20 per vehicle one way. After hanging out at the outdoor pool or seasonal outdoor pool, guests can grab a bite to eat at Sahaa Beach Restaurant, which serves Asian cuisine and is open for breakfast, lunch, and dinner. A poolside bar and a bar/lounge are other highlights, and rooms at this Art Deco hotel offer up nice touches like rainfall showerheads, slippers, and memory foam beds with Egyptian cotton sheets.


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Wear Your Dreams
My Life in Tattoos
Ed Hardy with Joel Selvin
St. Martin's Griffin
St. Martin's Griffin
St. Martin's Press
ISBN: 9781250048479304 Pages
Barnes & Noble
The memoir of iconic tattoo artist Ed Hardy from his beginnings in 1960s California, to leading the tattoo renaissance and building his name into a hugely lucrative international brand
"Ed Hardy" is emblazoned on everything from t-shirts and hats to perfumes and energy drinks. From LA to Japan, his colorful cross-and-bones designs and ribbon-banners have become internationally ubiquitous. But long before the fashion world discovered his iconic designs, the man behind the eponymous brand spearheaded nothing less than a cultural revolution.
In Wear Your Dreams, Ed Hardy recounts his genesis as a tattoo artist and leader in the movement to recognize tattooing as a valid and rich art form, through to the ultimate transformation of his career into a multi-billion dollar branding empire. From giving colored pencil tattoos to neighborhood kids at age ten to working with legendary artists like Sailor Jerry to learning at the feet of the masters in Japan, the book explains how this Godfather of Tattoos fomented the explosion of tattoo art and how his influence can be witnessed on everyone, from countless celebs to ink-adorned rockers to butterfly-branded, stroller-pushing moms. With over fifty different product categories, the Ed Hardy brand generates over $700 million in retail sales annually.
Vividly packaged with original Ed Hardy artwork and ideal for ink devotees and Ed Hardy aficionados alike, Wear Your Dreams is a never-before-seen look at the tattoo artist who rocked the art world and has left a permanent mark on fashion history.
My Life in Tattoos
Today there have been nearly one billion Ed Hardy retail items unleashed on an unsuspecting but highly receptive public. That staggering sum makes no more sense to me than it does to you. It's more...
Book Trailer for Wear Your Dreams: My Life in Tattoos by Ed Hardy
Watch this video trailer for Wear Your Dreams: My Life in Tattoos, the new book by Ed HardyShare This


text: Moving to Panama – Not For Me! is quite the opposite to most books on the market. It is written by a couple who were preparing to retire to Panama, yet their subsequent visits and research eventually convinced them that the Republic of Panama was not the place they dreamed of. Behind Panama City's impressive skyline, everyday life is less glitzy than many reports admit, with frequent electricity and water cuts. Although Panama purports to be very affordable for retirees, in truth many items such as electricity, imported food and gas are more expensive than elsewhere. This book touches on over 40 topics, from buying a house and opening a bank account to alarming incidents of crime and how the police handle them. True stories throughout the book give a realistic view of living in Panama – both good and bad. If you are looking for a book about why you should move to Panama, doesn't it make sense to buy one that tells you WHY NOT? Doing your own research is the only way to find out whether moving to Panama is really right for you, and due diligence should begin with this book.


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More From HampsterW
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7 years 13 weeks ago, 5:46 AM
Well another gun fan, was
Well another gun fan, was this broadcasted over every news network? I doubt it.
I intend to live forever, or die trying. It Could Be that the Purpose of Your Life is Only to Serve as a Warning to Others. Join the Army, meet interesting people, kill them. All those who believe in psychokinesis raise my hand.


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The Royal Tyrrell Museum opened their new Grounds For Discovery exhibit this week, including two steel wire-work sculptures designed to showcase a pair of very important partial-fossil specimens. The artwork was conceived by Jeff de Boer, ACC professional member Christine Pedersen was part of the artist team that built the work in Calgary.
Read more about the project here.


text: To have a healthy baby you have to be a healthy mommy. Be sure to attend all your prenatal visits to keep tabs on how your pregnancy is going. Be sure to get a little bit of exercise everyday, and eat a proper diet. Take care of yourself and your baby will be happy and healthy.


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CMSgt. Joseph E. Thompson, Sr. USAF (Ret.)
- 73 years old
- Date of birth: June 1st, 1941
- Date of passing: April 27th, 2015
This memorial website was created in the memory of our loved one, CMSgt. Joseph E. Thompson, Sr. USAF (Ret.), 73, born on June 1st, 1941 and passed away on April 27th, 2015. We will remember him forever.
Leave a Tribute:
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DayStar cuts accelerator prices
Related Articles
- DayStar ships first multiprocessor Mac. Quinlan, Tom // InfoWorld;11/13/95, Vol. 17 Issue 46, p29
Reports on the market introduction of a 4-processor Macintosh clone called Genesis MP by DayStar Digital Inc. Product features and application capabilities; Price range; Alliances of DayStar with companies in the development of multiprocessor applications and tools; Contact information.
- DayStar will support 100-MHz PowerPC. // InfoWorld;4/18/94, Vol. 16 Issue 16, p35
Reports on DayStar Digital Inc.'s incorporation of the 100-megahertz PowerPC chip into its process upgrade card. Time table of release of chip; Cost of update; Contact information.
- DayStar to make multiprocessor Power Mac. Miner, Nicola // InfoWorld;3/20/95, Vol. 17 Issue 12, p6
Reports on DayStar Digital Inc.'s plan to develop a multiprocessor-based Power Macintosh computer called Genesis MP. Features; Capabilities; DayStar's teamup with Apple Computer Inc. in the symmetric multiprocessing (SMP) area.
- More DayStar Power Mac cards. // Macworld;Mar95, Vol. 12 Issue 3, p35
Reports on DayStar's plans to ship several Power Mac accelerators in January 1995.
- Genesis MP 600. Hurlow, Mark // Macworld;Oct96, Vol. 13 Issue 10, p58
Features DayStar Digital Inc.'s Genesis MP 600 microcomputers. Specifications; Capabilities.
- DayStar cuts pieces on Mac accelerators. // InfoWorld;10/25/93, Vol. 15 Issue 43, p29
Reports on DayStar Digital Inc.'s price reduction on its Macintosh accelerator cards. Cost of a 50-MHz 68030 based Universal PowerCache without a floating point unit; Cost of a 33-MHz 680400-based Turbo 040.
- DayStar drops price on Mac 040 board. // InfoWorld;4/11/94, Vol. 16 Issue 15, p31
Announces the drop in the price of DayStar Digital Inc.'s line of 68000-based processor upgrades for the Macintosh. Range of price cuts; Price cut on Image 040 board; Contact information.
- Announced. // InfoWorld;1/9/95, Vol. 17 Issue 2, p39
Reports on an infusion of an investment capital to allow shipment Daystar Digital Inc.'s PowerPC-based upgrade boards for the Macintosh in January 1995. Features; Contact information.
- 68060 delay. // Macworld;Sep94, Vol. 11 Issue 9, p33
Reports on the delay in the shipping of DayStar Digital's 68060-based 66Mhz and 80 MHz PowerPro Power PC accelerator boards for Quadra models. Contact information.