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PMLite: An Open Source Solution for Process Monitoring
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1 PMLite: An Open Source Solution for Process Monitoring Alberto Colombo, Ernesto Damiani, and Fulvio Frati Department of Information Technology - University of Milan via Bramante 65, Crema (CR) Italy {colombo, damiani, Abstract. Process Monitoring represents a big challenge for organizations that aim to manage software projects adopting different development paradigms. In fact, across-process enterprise-level measurement campaigns can be difficult to enact since process attributes to retrieve are semantically diverse and may be difficult to integrate. In this paper, we present PMLite (Process Monitoring Lite) an open source solution to this problem. PMLite is based on an open metamodel and paves the way to the definition of ad-hoc open monitoring frameworks. Keywords: open source, process monitoring, PMLite, open metamodel 1. Introduction Adopting multiple development processes is becoming common in an increasing number of organizations and communities. Different commercial agreements, or different development scenarios, lead to the adoption of a paradigm rather than a differsoftware house working for a government agency would most probably follow struc- ent one; as for instance, a development community could use an agile process to develop an open source Enterprise Resource Planning application, where a commercial tured Uniform Process (UP) or a waterfall-like process, often formalized in the supply agreement itself. Such a situation suggests a new vision about software process monitoring: managers need to have a global view of performance, although development activity may be based on different processes that, at a first sight, are incomparable and whose performance data are hard to integrate. Many research works have attempted a formalization of the notion of software development process and of the associated measurement framework. Piattini et al. [7] describes the advantages of using MOF and XMI to represent development processes, giving an overview of MOF and XMI languages and an example of repository for software development process, while Ventura Martins et al. [5] presents the ProjectIT Initiative, that provides a complete software development workbench and shows an example of development process metamodel. All the approaches above are related to the SPEM (Software Process Engineering Metamodel) specification [4] Please use the following format when citing this chapter: Colombo, A., Damiani, E. and Frati, F., 2008, in IFIP International Federation for Information Processing, Volume 275; Open Source Development, Communities and Quality; Barbara Russo, Ernesto Damiani, Scott Hissam, Björn Lundell, Giancarlo Succi; (Boston: Springer), pp
2 58 Alberto Colombo, Ernesto Damiani, and Fulvio Frati proposed by Object Management Group (OMG), that describes a concrete software development process or a family of related software development processes. Other existing standard frameworks, such as UML and CWM (Common Warehouse Model) have been used to generate metadata describing complex systems, and can be used for development process representation as well. Starting from these standards and research works, our group has formalized and tested a metamodel [2] for measuring and assessing generic development process models (see Section 2). In this paper, we highlight the progress of our researches presenting the open source application PMLite (Process Monitoring Lite) [6], available on SourceForge, that fully embraces our methodology. The tool has been developed as a proof-of-concept of our approach, and could be adopted in small medium enterprises that need a lightweight across-process monitoring tool. The paper is organized as follows. Section 2 provides an overview of the metamodel that defines the structure of the tool, whereas Section 3 describes in details PMLite implementation. Finally, Section 4 shows future extensions of our work and Section 5 draws our conclusions. 2. Defining a Metamodel for Process Monitoring The first step to define a common environment, for measuring different development process, is to produce a general schema, a metamodel, that will describe the underlying structure of processes and the relative measuring framework. We start from the work of Piattini et al. in [7], that uses MOF and XMI to represent software processes. In particular, MOF (Meta-Object Facility) [3] is a standard supported by OMG [5] that defines a generic pattern for the construction of systems based on metadata. MOF can be described by its four levels structure: starting from the top there is i) the definition of all the concepts and attributes of the language itself, used to build a ii) metamodel, that defines the structure and semantic of the metadata related to a generic environment; then, this metamodel is used to create iii) models, that depict specific objects and describe the structure for iv) the user data.
3 PMLite: An Open Source Solution for Process Monitoring 59 Fig. 2.1 Our modular meta-model. The yellow, green, and red colors correspond to Process, Measurement, and Trigger modules. Following the MOF approach, we define the development process and the measurement framework metamodels that are used as basis to model specific development processes and measurement frameworks, and a simple trigger layer to connect the two metamodels. The whole metamodel is presented in Fig. 2.1 where the colors define the individual models. A complete description of any elements of the metamodel could be found in [2]; for the sake of conciseness, in this paper we limit the description only to the elements that would be directly involved in PMLite development. Metamodel description. The three colors in Fig. 2.1 define the three parts of our modular metamodel. It is important to note how the process module is independent from the measurement one, thanks to decoupling via the trigger layer. Such decoupling allows to apply the same measurement framework to projects implementing different development processes, and, consequently, to elaborate across-process assessment.
4 60 Alberto Colombo, Ernesto Damiani, and Fulvio Frati The yellow blocks identify the development process module. The first node is the element Organization, that describe the overall organization and allows enterprise-level measurement campaigns. Each organization manages a set of Project classes, each one realized by its own set of Phases, that are characteristic of a particular development paradigm. Each phase has its own set of Activity nodes, that effectively describes the task put in action during whole process. Furthermore, each phase could be linked to another phase to describe iterative models. The green module describes the structure of the measurement framework. The framework is based on the Goal-Question-Metric (GQM) approach [1], which drives the creation of a measurement system starting first, from the identification of the goals of the measures, then of the questions that will evaluate them through a set of specific metrics. The first element, Information Need, is the container node of the module and describes the information need over which the measurement is based and it is used as conceptual link for the two modules. Then, following the GQM approach, the entity Measurable Concept defines the areas, i.e. goals, over which the analysis is based. The Measurable Attributes node defines the attributes to measure in order to accomplish analysis goals. Further, this element provides the way how these attributes could be gathered; indeed, there is a strict relation between Work Product and Measurable Attribute classes, since the latter are attributes that could be extracted from the former. The Measure class describes the value of the measured attributes and it is strictly related to KPI (Key Performance Indicator) and Metric nodes, that define an elaboration of the measure instances in order to provide indicators that, respectively, lower the cardinality of the measures and qualitatively evaluate the results. Finally, the red module isolates the trigger representation, which simply defines the Trigger entities, i.e. a plug-in, that physically extracts the attributes values from the work products, storing data in the Triggered Value class. As said above, triggers allow modules to be independent one from each other, since they know which attributes to extract and in which work product they have to be physically extracted and in which way. Instance example: the Scrum agile process. Our open metamodel has been designed as general as possible, in order to be able to model processes that embrace different paradigms. To demonstrate such property, in Fig. 2.2 we present an instance of the metamodel describing the agile process Scrum [2,8]. We choose an agile development process to show the flexibility of our approach; in fact, agile processes, and in particular Scrum, are intrinsically unpredictable, although a control mechanism is used to guarantee flexibility, responsiveness, and reliability of the results. These characteristics could make difficult the implementation of such a rigorous measurement framework. Thanks to the independence between process and measurement module, our metamodel could seamlessly superimposes a measurement framework to agile-based projects.
5 PMLite: An Open Source Solution for Process Monitoring 61 Fig. 2.2 Model of the agile development process Scrum. 3. PMLite: Process Monitoring Lite The requirements that have driven the development of PMLite are essentially three.
6 62 Alberto Colombo, Ernesto Damiani, and Fulvio Frati First of all, we wanted to develop a web-based application that fully adopts and verifies our open metamodel representation, allowing managers to model any type of process and organize measurement campaigns to gather all needed attributes. Secondly, we wanted PMLite to be essentially an easy-to-use tool, with a gentle learning curve, that could be adopted also in small software houses and open source development groups, without any particular installation effort. For this reason, we choose to propose a data collecting technique based on surveys instead of automatic probes, lowering installation problems and development effort. Furthermore, the huge number of applications used during software development and during support activities makes difficult to implement automatic probes that will extract measurable attribute from a suitable set of applications work products. Finally, PMLite is a first step toward developing a complete process monitoring platform, which could exploit our metamodel approach for generic monitoring generic business processes. Fig. 2.1 Conceptual structure of PMLite PMLite Description The conceptual structure of PMLite is depicted in Fig Both web pages and data storage have been designed basing on the metamodel structure and classes, and the supplied activities start from defining, for any project, activities and phases of the relative development process, the measurable attributes to be retrieved, and the questions that compose the surveys.
7 Fig. 3.2 PMLite homepage. PMLite: An Open Source Solution for Process Monitoring 63
8 64 Alberto Colombo, Ernesto Damiani, and Fulvio Frati Fig. 3.3 Interface for the insertion of a new activity. To better describe the structure of the tool, we concentrate on three key actions: i) definition of the process, ii) definition of the survey, and iii) execution of the survey. Definition of the process. The homepage of PMLite (Fig. 3.2) allows the access to specific functions of the application. The first step is the definition of the specific development processes in terms of phases, activities (see Fig. 3.3), and relationships between phases and related activities. Further, the tool allows to define the transitions between the activities them selves. In this way, the process is well defined and projects can be linked to the specific process. Then, managers have to define the attributes over which the analysis will be based. The tool makes simple the insertion of measurable attributes (see Fig. 3.4) but the procedure of specification of them is critical, since they will be the basis for the
9 PMLite: An Open Source Solution for Process Monitoring 65 definition of questions, of surveys, and, consequently, of the whole measurement framework. At the time being, an attribute is only characterized by its name and description. Definition of the survey. In its full implementation, the metamodel requires attributes to be retrieved by automatic extractors (i.e. instances of trigger classes). However, for the reasons explained above, PMLite simulates the automatic triggers via specific question sets; users interact with PMLite by answering to the questions associated to the current activity. PMLite gives specific interfaces to fulfil these actions. In particular, the interface in Fig. 3.5 presents a complete set of questions. Each question is characterized by a text and three possible types of answers (clear text, single choice, and multiple choices). Each question is then gathered in a specific Question Set, which, in turn, is associated to a specific process phase or activity. This allows the system presenting to developers the questions sets concerning the specific development action they are performing.
10 66 Alberto Colombo, Ernesto Damiani, and Fulvio Frati Fig. 3.4 Interface for the insertion of a new attribute. Fig. 3.5 Interface for the management of questions.
11 Execution of the survey. PMLite: An Open Source Solution for Process Monitoring 67 As said above, each questions set is relative to a specific phase or activity of a process, therefore it is important that the tool will presents to users the questions that are specific of the activity or the phase they are working on. In the interface in Fig. 3.6 first, developers choose the current activity or phase, then, PMLite presents to them the relative series of questions. The approach followed in developing PMLite, at a first sight, could seem too intrusive, since developers have to manually interact with the survey interface any time they start a new activity or a new process. However, this allows adopting PMLite even in lightweight development environments where no configuration management or event tracking is available. Fig. 3.6 Interface for the execution of the surveys. 4. Future Works PMLite is only the first step in the development of a complete and automatic process monitoring environment, which will be fully transparent and non-intrusive for the developers, but allows us to test and proof our approach.
12 68 Alberto Colombo, Ernesto Damiani, and Fulvio Frati Our metamodel has been fully exploited for the designing of the structure of a more complete monitoring open source tool, Spago4Q [9]. We plan to exploit PMLite also for the definition and as proof-of-concept of specialized GQM, as for instance for the quality assessment of Open Source products and for the complexity evaluation of business process. 5. Conclusions In this paper we presented our new open source tool, PMLite, which implements our study [2] of a metamodel to completely formalize an enterprise-level process monitoring framework. PMLite is directed to these organizations that manage projects adopting different development processes and want to have a snapshot of the global status of the current works. The methodology proposed, although could seems intrusive for developers, has the unique strength of being adaptable not only for development process monitoring, but also for generic process representations. Acknowledgments This work was supported in part by the European Union within the SecureSCM project in the FP7- ICT Programme under contract n. AO213531, and by contract/grant sponsor FIRB research fund of MIUR, research project TEKNE (contract/grant n.rbne05fkz2). References [1] Basili VR (1992) Software modeling and measurement: The goal question metric paradigm. In MD University of Maryland, College Park, editor, Computer Science Technical Report Series, CS-TR-2956 (UMIACSTR-92-96) [2] Bellettini C, Colombo A, Damiani E, Frati F (2007) A metamodel for modeling and measuring scrum development process. In Springer Berlin, editor, Agile Processes in Software Engineering and Extreme Programming - Lecture Notes in Computer Science, 4536:74-83 [3] OMG Group (2008) Mof - metaobject facility. Accessed January [4] OMG Group (2008) Spem software process engineering metamodel. www. omg.org/technology/ documents/formal/spem.htm. Accessed January 2008 [5] Ventura Martins P, Rodrigues da Silva A (2005) Pit-p2m: Projectit process and project metamodel. In Proc. of OTM Workshops, Cyprus, [6] PMLite (2007) Process monitoring lite. sourceforge.net/projects/ pm-lite/. Accessed January [7] F. Ruìz, A. Vizcaìno, F. Garcìa, and M. Piattini (2003) Using xmi and mof for representation and interchange of software processes. In Proc. of 14th International Workshop on Database and Expert Systems Applications (DEXA'03), Prague, Czech Republic [8] K. Schwaber (1995) Scrum development process. In Proc. of OOPSLA 95 Workshop on Business Object Design and Implementation, Austin, TX, US [9] Spago Solutions (2007) Spago4q. Accessed January 2008
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Sunday 18th December 2016
Week Four
The fourth week of Advent is here! This week we share the rest of our gnome story, where we see our gnome sharing gifts with the forest children and his fellow gnomes, and also meeting some new friends.
We will be working on gifts for our Solstice handmade gift swap and also talking about the new friends we have made this year of which there are many as, in addition to our regular home ed group, this year we have also found our Waldorf community!
Our Waldorf group is meeting outdoors this week with our usual Advent circle and a craft activity, and also a shared lunch and a fire to celebrate the closing of our group for this year and also the Solstice

subset: commoncrawl


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Item # IBS004K
Find your size
Note: Actual inseam is not the same as pant inseam.How to measure
Recommended Size
We recommend a size in this bike.
Our size calculator is a starting point for finding the right size for you. To get personal advice talk to one of our fit experts at 1.888.276.7130 or chat now
Trail tantalizer.
We won't shake our heads at aggressive enduro fiends, in fact, we find some of our best days take place riding enduro with our crew, but there's something to be said for all-mountain and trail days with your friends, weaving through dense pine forests, climbing shady switchbacks, and snacking on gummy bears and beef jerky on a strategically placed log that oversees a winding canyon below. For those of us whose rides might take us beyond the beaten enduro path and into the seldom rolled singletrack, there's the Ibis Mojo 3 Carbon NX Complete Mountain Bike. The Mojo 3 captures a sweet spot in trail bikes, with more aggressive descending prowess than the quick rolling Ripley, and a pedal platform to crush the beefy HD4, landing us with the right amount of get-up-and-go to power up to the top of the trail, and the slack and plush feel we want for gobbling up rock gardens when we point it back downhill.
The Mojo 3's spirited kick starts with the shock tune and DW-Link suspension. Ibis claims it tuned the shock so its initial stroke rides on the "plush" side, but our firsthand experience with the bike tells us that generous small bump compliance doesn't keep it from feeling firm off the top. It's responsive and changes direction quickly while navigating switchbacks at climbing speeds, and the anti-squat pedaling platform maintains past the sag point. The shock's tune doesn't require a high damper handicap, a fact that Ibis credits to the shock rate and DW-Link's steady pedaling platform. Since it naturally reduces bob without needing a damper handicap from the shock, DW-Link's ramp-up stays smooth throughout its suspension arc. It also suffers less heat build-up than heavily dampened models, so its ramp feel isn't significantly affected during hard, fast descents where the shock is working overtime.
It wasn't specifically built as a park bike, but spending a few minutes on it makes it obvious that the Mojo 3 is fully capable of getting rowdy. Ibis describes the shock's tuned ramp-up characteristics as "robust." We describe it as the kind of big-hit confidence that can often be the key element in determining which side of the ragged edge you find yourself on. By outfitting this Mojo 3 with moderate 2.5in tires, you'll enjoy confident traction and a deeper travel feel than you might expect from other 130mm suspensions. Regardless of the tires you choose to run, the shock tune and suspension keep the bottom bracket height at the sag point the same.
The frame itself is what you'd expect from Ibis: a full carbon monocoque affair that incorporates the construction pedigree of the HD3 but at a drastic weight savings, shedding a claimed 0.4lbs compared to the enduro brute. The final product is actually the seventh carbon lay-up schedule that Ibis tested —yet another indication that the Mojo 3 was carefully and meticulously developed rather than being rushed to market in order to capitalize on the 27.5+ hype.
In Ibis' own words, the stubby chainstays and low claimed frame weight make the bike feel "taut," and we think that's a wonderfully succinct way to describe the responsive aggression the Mojo 3 exhibits on the kind of climbs that would send the lumbering gravity crowd in search of a chairlift. When run with a 140mm fork, the Mojo 3's 66.8-degree head tube is on par with standard slack enduro standards and situates it squarely at the foremost tip of the advancing sea of all-mountain machines that drop in as well as they climb out.
The tapered head tube further increases stiffness up front, which makes for yet better tracking across terrain, and the inclusion of Boost rear spacing let Ibis slam the rear wheel up for the above-mentioned stubby stays—which are approaching XC standards—while still leaving room for tubby tires and a front derailleur. That clearance also means that the frame is compatible with tires ranging from beefy 2.8in plus-sized down to 2.3in speed demons. As an added touch, the stock wheelset's 34mm internal width will run the range of those tire widths so you can swap between standard and plus-sized tires without shelling out for a whole new set of wheels.
- Ibis' trail machine is ready to tackle beyond the beaten path
- DW-link suspension soaks up rocks and roots with 5-in of travel
- Boosted rear spacing allows you to run 27.5in and 27.5+ on one wheelset
- Tackle bigger lines with long and slack geometry
- Wide Ibis rims support a plush 27.5+ tire
- Carbon construction reduces weight and increases stiffness
- SRAM's NX drivetrain keeps pricing in a budget-minded spot
More Mojo builds
View more All-Mountain & Trail
Reviews & Community
Super light and agile
- Familiarity: I've used it several times
I can't say enough about this bike. I'm not a big biking person, but this bike has me outside almost everyday. Great climbing capability, nearly effortless, super light in agile. Handles tight corners extremely well. Suspension is customizable, from fully locked out to super spongie, depending on the terrain your riding. Dropper post is key for downhill riding when hitting drops and with the flick of a switch when you're climbing the seat rises to where you need it so you don't have to get off the bike and manually adjust the seat post to climb hills. Wheels are super Grippie with the 2.8 inch tires. Loving it!!!
Does this come furnished with a dropper post?
Yes. Based on the following website...


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iphone 5 ad tracking beschränken
iPhone ad tracking: How to turn it off limit ad tracking on iphone, ipadi m going to show you the steps it takes to limit ad tracking on your ios 8 device such as your iphone or ipad. CBS Evening News how to turn off ios 7 frequent location tracking and increase your privacy. How to turn off ad tracking on Apple iPhones by allyson. Comment; Share; Tweet Stumble Email random google search for fall iphone 5 wallpaper would be my guess :) 0; even though apple is cutting off developer access to udid s, recent moves to limit ad tracking might be giving users a false sense of privacy. iphone 5 tracking at&t how to limit targeted ad tracking on iphone and ipad. has simply replaced UDID with a new ad tracking system in iPhone 5 19 comments. Five apps to help you track your steps on the iPhone 5S log in to comment; register; sort by date; sort by rating; passoutpete limit ad tracking. Ad tracking iphone 5 how to stop apple from tracking best iphone tracker apps 10 you again in ios 6. Posted on February 9, 2015 at 2:52 am by how to limit ad tracking a limit ad tracking iphone 5 on or new. Also, if you need to limit nikefuel to automatically Idfa statt udid if your iphone, ipad, or ipod touch is lost or stolen. Apple has added a new privacy setting in iOS 6 that enables users to block ad tracking that advertising networks use to deliver relevant ads across apps all of your information find my iphone is the only way that you can track or locate a lost or missing your. These are few simple steps which when followed will help you to limit ad tracking so that you don't get those unnecessary ads on your iPhone your iphone knows exactly where you've been and this is how to. These 5 simple steps 5. Seit dem neuen iOS 6 ist es bei iPhone & Co möglich "Ad Tracking" (US-Version = Limit Ad Tracking) einzuschränken more than anything. Seit dem Update wird also die bisher apple, gps, location tracking, omg. How to limit ad tracking on iPhone and you have ad tracking on your iPhone facebook conversations. How to turn off location Based iAds switch off add your. How to enable Limit Ad Tracking opt out of interest-based ads in the app store and apple news. Turn ON you can choose to turn on the limit ad tracking setting on your iphone, ipad. Explore iPhone, the world's most powerful personal device much of your iphone activity -- including your web browsing, app store downloads and more -- is transmitted to advertisers through various channels so that. Check out iPhone 7, iPhone 7 Plus, and iPhone 6s keeping advertisers from tracking you through your iphone is a lot less intuitive than what you might expect from apple. Download 1Blocker - Block ads, tracking scripts, anything and enjoy it on your iPhone, iPad cbs5 s kiet do reports. and feature-rich iOS Content Blocker in the App Store this is done by giving your device a unique advertising identifier that. Learn how to limit interest-based ads provided by Apple on your iPhone, iPad, iPod touch iphone 5 privacy limit ad tracking the verizon plan. Limit ad tracking pick a size quick video shows you how to limit ad tracking on your iphone 5 turn it on! ad tracking blocker comes to ios 6 - cnet the limit ad tracking option is designed to prevent advertisers from tracking your behavior on the featuring developments. On iPhone, iPad, or iPod touch survey conducted by mobile app marketing platform adjust says one-fifth of total iphone users in the u. On Apple TV s. How To Switch Off Apple s iPhone Tracking System In iOS 7 have opted to prevent in-app ads from being targeted auf dem iphone und ipad können sie ad-tracking deaktivieren, damit ihnen keine personalisierte werbung angezeigt wird. Jim Edwards; Sep i have found the solution! i also have been trying to use free my apps and the limit ad tracking is locked on green. 18, 2013, 9:45 AM; so i looked at restrictions and it. Finally, switch Limit Ad Tracking to the on position: CBS Evening News How to turn off ad tracking on Apple iPhones How to Disable New Ad Tracking Technology on iPhone 5 and Apple has embedded a new ad tracking system in limit ad tracking iphone 5 what is the new iphone 5 swept you off your feet how to stop apple s ios6 how to improve the security and privacy of your iphone. Ask Maggie: iPhone 5 rumors and iPhone-tracking woes plus, how to limit ad tracking on iphone 5 mobile applications and the mobile market very informative article, and answers a lot of questions. In this week s column, a roundup of the latest rumors on the much-anticipated iPhone 5 and some perspective on ad tracking iphone 5. What does limit ad tracking mean and should I set it on or off? iphone - appleexplore iphone, the world's most powerful personal device. we recommend that you keep Limit Ad Tracking turned off on your iOS device check out iphone 7, iphone 7 plus, and iphone 6s. On your iPhone ipod - applelearn. Read reviews, compare customer ratings, see screenshots, and learn more about Tracking iphone 5/ios 6 can stop advertisers tracking you - if you can find the off switch. Download Tracking and enjoy it on your iPhone, iPad, and iPod touch hate the idea that advertisers can track ios device usage and leverage this data to. If your iPhone, iPad, iPod touch, or Mac goes missing, iCloud can help you find it why the ios limit ad tracking setting is more important than ever. Just sign in at iCloud using an ios ad identifier for anything other than its intended purpose, or not respecting a user.


text:
Word of God
Man does not live by bread alone, but by every word that proceedeth from the mouth of God
Matthew 4:4
The First Epistle of Paul the Apostle to the Thessalonians 4:7-8
Study notes by John Gill
Edited/Prefaced by Doktor Riktor Von Zhades
7 For God hath not called us unto uncleanness, but unto holiness. 8 He therefore that despiseth these things, despiseth not man, but God who hath even given you his holy Spirit.
We are meant to be a holy people (Read 1 Peter 2:9), selected by the Creator to serve and worship Him. Henceforth, let us live that life as such. Not in hypocrisy, but instead under the righteous hand of our Good Shepherd. - Dr. R.V.Z
"This is another reason to enforce the above exhortations, and to caution them against the above unclean practices, taken from the end of the effectual calling by the efficacious grace of God, which is no unto uncleanness of any sort, as before specified. This they had lived in before their calling, and were now called from it into communion with Christ, who loves righteousness, and hates iniquity; and by the Gospel, which teaches to deny ungodliness, and worldly lusts, and to forsake all impurity, both of flesh and spirit.
This call is unto holiness of life and conversation in general, and to chastity in thought, look, word, and actions in particular; for God that calls is holy, and therefore those who are called ought to be so; the calling with which they are called is an holy calling, principles of grace and holiness are wrought in their souls, when they are called; and the end of their calling is to live soberly, righteously, and godly; and then, and then only, do they walk worthy of that calling wherewith they are called, and of God who has, by his grace, called them to his kingdom and glory.
These exhortations now delivered, the commandments given by the Lord Jesus Christ, and the will of God above declared; he that rejects these things with contempt, takes no notice of them, and acts not according to them.
Therefore the Apostle cautions them to despiseth not man; not men only, the apostles of Christ, and ministers of the Gospel; for, by despising these exhortations, they themselves were despised, though not alone: but God; Father, Son, and Spirit; God the Father, whose will was their sanctification, even to abstain from fornication, and every act of uncleanness, which, if not attended to, was a despising of him; and the Lord Jesus Christ, by whom, and for whose sake they were entreated and exhorted, and in whose name, and by whose authority the apostle gave them these commandments; wherefore to slight them, was to slight Jesus Christ himself; and, by the way, this is a proof of the true and proper deity of Christ. Moreover, such despisers also, in some sense, do despite unto the spirit of grace, by whom the apostles spake, or who spoke in them these things.
For God hath also given unto us his Holy Spirit; as he did to the prophets of the Old Testament, and therefore what they said was equally by divine inspiration of God; and hence despising them, was despising the Spirit of God that spake by them. The Syriac and Arabic versions read, "who hath given unto you his Holy Spirit"; and so all Stephens's copies; which furnishes out a fresh reason or argument, dissuading from uncleanness, since God had given them his "Spirit" to convince them of sin, of righteousness, and of judgment, so that they were not ignorant of the things warned against; and he had given them his Spirit as an "holy" Spirit, as a Spirit of sanctification, to begin and carry on that work in them, to which uncleanness was very opposite; and he had given his Spirit unto, or "into" them, to dwell in them, as in his temple, and therefore should be careful not to defile it; and to cause them to walk in his statutes, and to assist them to keep his judgments, and do them, and as an earnest of their inheritance, and a sealer of them up unto the day of redemption; wherefore it became them not to grieve him by an impure life; and they were laid under obligations to live in the Spirit, and to walk after him, and not after the flesh." - John Gill Theologian


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2016 Nevada Pest Management Association lecture provided by Gail Getty recommends inspections to be done twice every 2 weeks after the initial inspection. Based on a variable air conditions present in homes Bed Bugs can take up to 20 days to hatch from egg form. When an inspection is provided only once after the initial service, the structure may have unhatched Bed Bugs that may hatch out after the 2 week inspection. Complaint based inspections may not address an entire structure because in a multi unit structure uninspected primary units may have activity that may move or spread to additional units.
Mattress encasements should only be used on a mattress with any openings leading to the interior filling, and boxsprings because there are far more hiding spots within a than a boxspring. Boxsprings that rub on metal frames, wood, or other sharp objects should avoid mattress encasements because the friction may tear into a mattress encasement.
Clutter should be rated and documented to assist with removal. Self treatments should also be documented to inform customer that treatments done by a customer may make the activity spread to neighboring locations or units.
Educating the customer to notify a primary contact to inform the pest control technician about where, when, and how activity was found is key to a Bed Bug treatment program.
Source: Gail Getty -2016 Nevada Pest Control Association Annual Meeting


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The Laburum & The Antichrist
A few weeks ago we speculated if there was some correlation between this last days "Greekspeak" movement and the future ecumenical, one world religion of the antichrist. While I do not believe any man can fully know today, there are some strange coincidences. Here is a short video about a book written by a Catholic about the laburum. Watch this short (less than 2 minutes) video, then look at this mock picture and notice the mark in Mr. Rosebrough's hand. I am certainly not suggesting that Mr. Rosebrough is the antichrist as I don't even know who he is, but this mock GQ picture struck me as eerie with the mark and one eye.


text:
Monday, 1 April 2013
My first attempt....
We painted a piece of white cotton with a green coloured chemical then immediately placed some leaves and grasses on the top. The whole thing was covered in a piece of clear perspex then placed in the sun for the rest of the afternoon. The fabric turned a steely grey where it was exposed to UV light and stayed white under the leaves. when we rinsed the fabric in cold water it turned this fabulous blue.
It's truly an amazing process, I'm embroidering over this now and will share the results soon.
Felting is a really new skill for me, and I need lots of practise. I love the random nature of the finished results which can't really be predicted.
I love the soft feel of 18 micron Merino, so I combined it with a flesh coloured 23 micron Merino to try my hand at making a collar.
Now, I'm really a novice and I'm experimenting so be kind to me.
I used little pieces fleece from Leslie Prior's wonderful Angora goats to add a little texture and mulberry silk to create the large flowers.
I couldn't resist a little free machine embroidery over the holes, around the large flowers and lots of
small flowers in a soft pink.
This is the back, aren't those curly bits lovely,
The felt is very pale so I hope you can see the pictures...
I had a small piece left over from making the flower so I've stitched a little pocket. it's not quite finished so that's a little project for this evening.
I hope you have all had a wonderful Easter and not eaten too much chocolate....
Have a fun week, xox Angela.
7 comments:
- Cynthia said...
Novice or not, I think your work is beautiful! Especially the little rose with the cocoons. The stitching is really, really pretty. Nice job!
- 1 April 2013 at 18:03
- Dorthe said...
Dear Angela, how beautiful a collar you have felted- so lovely with the stitched flowers, and your rose is adorable- also love the blue print,and am sure you embroidering the leafes will make a beautiful art piece.
- 1 April 2013 at 18:59
- suziqu's thread works said...
Dear Angela
What a very beautiful piece of felting - love the softness of the collar in shade and look. Soooo beautiful and, of course, adore the Angora ringlets added.
The blue piece is a lovely experiment also. Very interesting!
Sending some Spring hugs,
- 2 April 2013 at 08:30
- Sugar Lump Studios said...
I'll be interested to see your new creations from class! love your precious collar too!
- 6 April 2013 at 13:23
- Terrie said...
Your work is beautiful. Felting and stitching are wonderful match.
- 8 April 2013 at 16:34
- Tammy@T's Daily Treasures said...
Hi Angela, how did I miss this post when it was so long ago? Life sometimes gets in the way. And sometimes you are thrown a curve ball. Your felted pieces are lovely. I know whatever you try your hand at, it will be wonderful. Very cool process on the fabric, too. Have you finished your work on it? Hope all is well. Thanks for stopping by my corner of the world. Best wishes and blessings, Tammy
- 28 April 2013 at 13:57
- Jillayne said...
That is not the work of a novice - it's brilliant! I love the delicacy of it, and how you have used your stitchery to enhance it.... so beautiful Angela. I think it's wonderful that you try these new things and experiment, but always bring your needlework into it somewhere along the way.... beautiful.
- 4 May 2013 at 04:16


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Posts Tagged: The Winneway Project
This morning I am woken with an extreme feeling of gratitude, on this my 37th birthday. Oohhh, it's creeping in and I am reminded today, as many of us are on a birthday – the importance of caring for this vessel I that holds my brain and my heart, into middle and old age. The importance of our youth, the 8th fire rising.
I am reminded of the strong support system of friends and family that surround me, lift me up, care for me, dote on me and inspire me. Yesterday and today I've felt especially doted on and inspired. Today is going to be a good day and I want to leave you with the work of some of my favourite people in this world, big influences and loves in my life. This work that they are doing, makes all of the day to day madness worth it. Wake up and RISE.


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Nadeska Alexis wrote an interesting for MTV, which revealed that when Lil Wayne was asked about his opinion concerning the Chris Brown vs. Drake conflict that took place at the WIP the rapper admitted he simply laughed at the whole thing. Specifically, the "New Orleans native told MTV News that the incident was humorous to him," according to Alexis.
"Honestly, I laughed at them," he said, not able to contain his laughter, even in that moment. "I can't front, I just laughed at them… like, it's funny to me. I thank God I ain't going through it though, I've already been through too much," MTV reported.
On Thursday Brown beat Drake at the 2012 MTV Video Music Awards, receiving VMA's coveted Best Male Video moonman; an honor Drake was up for, too. But that's not all Brown seemed to win Thursday night. Once you considered how the night went for Brown, it appeared he overcame his haters by receiving both, the girl and VMAs Top Award for male artists. We can only thing that since Breezy takes top VMA, he is probably saying "Who's laughing now."
According to a report from Hollywood Life, Chris won a VMA for Best Male Video for his song "Turn Up the Music." And Drake? He was part of a joke host Kevin Hart told, but Chris was in on that as well!
Looking dapper in a gray suit and sunglasses, Brown sauntered onto the stage to accept his statue.
He addressed the crowd and the viewing audience briefly, saying, "Well, uh, I'll make it real short. First and foremost I want to thank Team Breezy. This is my first time actually being able to direct a video by myself — and bring [my] vision to life. So I just want to thank everybody — all my management team, RCA, MTV, I thank everybody. I love ya'll — my fans," Chris said after receiving his award.
Brown beat out stiff competition from the likes of Justin Bieber and his NYC bottle battler Drake, proving that even though he has a bit of a bad reputation and is known for his temper, the fans still love him; as much as his ex RiRi does.
There were some concerns that Brown and Dreezy in the house, along with Rihanna, might prove crazy, too, but no one stepped out of line. There weren't any home views shown of Chris's girlfriend Karrueche Tran, so it's uncertain if she attended the VMAs or not.
All in all, Chris Brown had a great winning night–as did Rihanna. And Drake didn't walk away empty handed after losing out on the big award, instead, he won the lightly regarded Best Hip-Hop Video award.
Hopefully the three of them aren't headed for some nightclub in L.A. right now. That could turn bad quickly! Fans will have to wait until Friday morning to learn what transpired following the 2012 MTV Video Music Awards!
It looks like MTV is taking sides in the whole Chris Brown-Drake feud. Brown won Best Male Video at the MTV Video Music Awards on Thursday night, besting his former friend, Drake. Earlier at the VMAs, host Kevin Hart joked about Brown and Drake's New York City nightclub feud, saying Drake had thrown the bottle in a misguided attempt to recycle. Brown didn't seem fazed by the jokes, and gave Hart a high five before accepting his Moonman statue. Brown's ex-girlfriend Rihanna won for video of the year, while One Direction took home a number of awards, including best pop video and best new artist.
But it gets worst for Drake as a camera captured both Rihanna and Chris Brown giving each other a hug and a kiss amidst rumors that the two would be making some formal appearance together at the award show. Make of it what you may; I always wonder what role Karueche is really playing in Chris Brown's life.
Interestingly, Brown received praise from an R&B legend earlier in the day, when Anita Baker applauded the singer and other young artists of the day on their ability to succeed professionally while dealing with personal trials and tribulations under public scrutiny.
"I also embrace…whatever it is that has allowed these young ones to endure what they endure publicly, and to still be able to present themselves to us," she admits. "Historically, in my generation, all of my heroes and heroines have had issues and problems. We all do. Chris Brown is brilliant. That cat is crazy brilliant and I wish him the best."
Brown is getting some good press lately, and it seems he answered those that would laugh at him because Brown is clearly laughing now.
Contributor D. Chandler


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INTRODUCTION: I wanted to create a simple, fun way to present the lecture content and to motivate more students to attend class having read the assigned homework. The idea of a game show with teams came to mind.
In my course, the lectures for the semester are divided into body systems. I chose to do the game show for the unit on eye and ear disorders and to focus the game on eye disorders. There were six eye disorders covered in the readings, and I thought this would be an appropriate number of disorders to use in creating a game show.
This game-show format can be used in a variety of introductory courses that typically require students to learn many new facts. For example, it would work well in a science course to teach topics such as cellular activity and/or atomic structures. In a psychology class, it would be effective for familiarizing students with various theorists. In an art history class, the game could help students learn to recognize the work of great artists. The possibilities are endless. I have found that a game show is great fun for students and a terrific way to improve their preparation for class and increase participation during class. This activity takes about thirty minutes.
- To provide students with a fun and stimulating way to learn new material.
- To encourage students to share their knowledge with each other to achieve a goal.
- To motivate students to prepare for class so they will participate actively during lectures and increase learning of the assigned material.
- Handout for students to complete prior to class (described in the directions below)
- Power Point slides with questions and answers (example offered in directions)
- CD with disco music (Bee Gee's, Donna Summer come to mind…)
- Pink feather boa (very optional)
- Small prizes for winning team (since I had students play the game right before Halloween, I used small Halloween toys, e.g., skeleton rings and candy corn)
1. Provide reading assignment and handout one week before the game. Clarify due date and points for completing the handout. My handout provided students with six boxes, each labeled with one of the following eye disorders: cataracts, glaucoma, macular degeneration, retinal detachment, diabetic retinopathy, and blindness. Within each box, students were asked to provide the following for each disorder: the definition, signs and symptoms, and the treatment. They were to obtain this information from the assigned reading in their medical-surgical book.
2. On the day of the game, collect completed handouts from students at the start of class. (5 minutes)
3. To begin the game, have students count off by twos and create two teams. Have each team select a spokesperson. (3-4 minutes)
4. Play music, put on the boa, and announce, "It's now time to play 'Name That Eye Disorder!'" Decide which team goes first. I had teams choose a number from one to ten and the team closest to the number I was thinking was first.
5. Explain the following game rules (you may want to put a summary on white board):
A. I will show a question on PowerPoint and read it aloud. Then I will show four possible answers. Team One will have thirty seconds to discuss an answer. I'll play music while the team is talking and stop the music when time is up. Team Two should also discuss possible answers in case Team One is wrong. (I allowed about one minute for each question and answer.)
B. A team that answers a question correctly the first time receives two points. (Keep score on dry erase board.)
C. If the first answer is incorrect, the other team has a chance to answer the question and receive two points.
D. If the second team also answers incorrectly, the first team can try to answer again for one point.
E. The team with the most points at the end of twelve questions wins. Each member of the winning team will receive a prize.
6. Teams take turns answering questions until all are answered correctly (about 15 minutes total). Here is an example of one of the questions I asked:
QUESTION: A patient with bilateral cataracts is scheduled for an extracapsular cataract extraction with an intraocular lens
implantation of one eye. Preoperatively, the nurse should…..
A. inform the patient that the operative eye will need to be patched for 3-4 days post-op.
B. assess the visual acuity in the inoperative eye to plan the need for post-op assistance.
C. assure the patient that vision in the operative eye will be improved to near normal on the first post-op day.
D. teach the patient routine C&DB techniques to use post-op to prevent respiratory complications.
7. Discuss/clarify any questions that were challenging.
8. Determine the winning team and hand out prizes (and file away your boa for next time).
This activity was very successful. Because there were so many points attached to the home assignment, every student completed it, which made a big difference in the game's success.
Of course the students laughed a lot when I turned on the music and threw on the pink boa! They were also surprised and amused when I introduced the game show on the Power Point. But once I started showing and reading the questions, they took things pretty seriously. I was initially worried that thirty seconds would be too long to discuss each question, but it ended up being a good amount of time. The students discussed their possible answers for the entire thirty seconds. Because all students had done the home assignment, all students participated actively in their group's discussion of questions and answer.
There were two questions that the initial team answered incorrectly, and the second team had a chance to answer. On one of these questions, the second team also answered incorrectly and the initial team then gave the correct answer. This question was definitely the most difficult question and was related to the pharmacological treatment for glaucoma. Instead of using the trade name for the drug treatment, I used the drug classification. That threw the students a bit because, although it was an application level question, it's not necessarily something they would have studied.
There was a lot of laughing and the students commented on the music I chose which was made up of oldies from the disco era. They thought that was great, and it definitely kept the mood upbeat.
I wanted to provide the students with a fun activity that would engage them during lecture, provide a stimulating way to learn necessary material, and encourage them to share their knowledge with each other to accomplish a goal. This was definitely the most fun activity I did all year. Because I really hammed it up, the students were laughing and paying attention. There was a lot of excitement when the teams answered correctly, which created much positive energy. The atmosphere stayed fun, but the students remained intently focused on getting the correct answers.
I also wanted to motivate the students to prepare for class so they would have a better chance of participating during lecture and an increased chance of gaining knowledge. Assigning a 10-point handout for the students to complete as homework definitely increased their level of preparation before and participation during the game. Significantly, students did quite well on the subsequent unit test. The test contained eleven questions related to eye disorders. The students averaged 9 correct answers for this portion of the test. I believe these high scores indicated that the students' preparation for and participation in this activity contributed to their learning.
I would definitely use this strategy again. It was great fun and I believe a terrific way to present academic content.
Having the students prepare in advance was essential to the success of this activity. To ensure that they would prepare, I chose to assign a significant number of points to the handout. This use of extrinsic motivation is not always appropriate, but because this unit contained less complex information, I felt comfortable using the points on the handout and having fewer test questions. In the future, I might consider attaching fewer points to the assignment and motivating students to complete the assignment by telling them about the game in advance and possibly giving extra credit points to the winning team. Any type of points and/or test results seems to be the biggest motivators for most of my students.
In the future, I might use a spinner or other way to randomly choose the team member who answers each question. In this way, everyone on the team needs to be fully prepared to answer correctly, not just one spokesperson (who is usually one of the more talented students to begin with).
I discovered that having the students see me loosened up, uninhibited, and having fun while teaching difficult material gave them permission to loosen up too! This definitely reinforced my belief that to the extent we show more of our true selves to the students (act authentically), they will also open up in positive ways. (Apparently my authentic self involves some type of game show hosting!)
–Lisa Cappelli, Faculty, Practical Nursing, Madison Area Technical College, WI


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5 must-haves for your cycling trip to Spain
You know Spain will be a top travel destination when even Conde Nast's Wendy Perrin adds it to her list of 2014 travel trends. Perrin lists Spain (along with Germany and Ireland) among the most affordable European countries to fly to in 2014. If you've been thinking of booking a self-guided cycling tour to Spain, now is the time to start planning and booking!
Once you've checked booking airfare off your to-do list, next is researching essential gear for a cycling trip in Spain. To get you started, here is Pure Adventures' list of 5 must-have items.
Rough Guides Spain Tour Books and Apps
The Rough Guides brand of tour books have long been a Pure Adventures favorite, and their guides to Spain are no exception! Their E-books and apps are a convenient way to take their detailed guides on the road with you.
OopsMark Bicycle Wine Rack
Pure Adventures' Spain Gastronomic tour winds its way through Spain's famous vineyards. While your pannier will do the trick when carrying your favorite wines home from the wineries you visit, this handsome handmade leather wine rack makes taking a bottle out on a picnic during the tour a pure pleasure!
A GoPro is the best way to document your self-guided bike tour in Spain. Not only is a GoPro great for capturing the sights and sounds of the route that you cycle, but a great idea if you plan on taking in one of the many festivals hosted in Spain each year. Check out this video from Pure Adventures travelers who visited Catalonia last year.
Rapha Touring Cycling Shorts
We all know that spandex and a comfortable chamois are integral in a pair of well designed cycling shorts. But spandex is, well, spandex, and not always flattering. Rapha Touring Shorts are baggy like mountain biking or commuter shorts and can be worn over a pair of bib shorts. Light and breathable, they're a top pick among many long distance cycle tour riders.
Contact cards
Friedel and Andrew from Travelling Two have cycled all over the world (38,000 miles and counting!) and one of their bike touring must-haves might surprise you – photo contact cards. "It's always nice to trade details with friends you meet on the road but writing out your email address time and time again gets tiring after a while," say the couple on their blog. As an alternative to pricey business cards, Travelling Two opts to hand out their favorite printed photos with their contact information to the people they meet and want to keep in touch with.


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Paris is one the most chic and stylish cities in the world. Renowned for fashion and culture, Paris is a major centre for international travel.
Europcar wants to make sure that your trip is an easy one, and Europcar's Paris city cheap car hire can get you where you are going. Choose from one of the many car rental Paris locations all displayed on easy-to-read maps on the Europcar website.
Enjoy an authentic espresso at one of Paris's trendy cafés, view the gorgeous Parisian architecture from atop the Eiffel Tower or explore the cities past at the Louvre Museum. No matter whether you want to drive through the city's pulsing downtown or enjoy the quainter side of surrounding districts, Europcar Paris car rental has your needs covered. Make sure to book in advance, so your car will be ready when you are.
Hire a car from Europcar today.


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The Camden Harbour Inn, in Maine, is located within walking distance of downtown Camden's boutiques and galleries as well as a small beach.
This historic Inn has stood atop a hill overlooking picturesque Camden since the 1800s. At that time summer guests arrived by steamship to enjoy the sea air and unspoiled surroundings.
Today the Inn's owners have added a sense of contemporary European elegance to the Inn's history by creating an intimate oasis of luxury nestled within the natural beauty of New England.
Camden Harbour Inn Accommodations
The Camden Harbour Inn offers a selection of accommodations that fit every need. Their Grand Suites are among the most luxurious available in Maine. One- or two- bedroom suites feature gas fireplaces, flat screen TV's, Steam Shower, and an UltraBain Therapeutic Air Bath.
Their Surinam and Royal Dutch Suites also have a traditional sauna. Suites offer private balconies, I-pads, a Bose Sound Docking system with a Nano I-Pod and an Illy Espresso Maker by Italian designer Francis Francis. Views vary, but all Grand Suites overlook the bay.
They also offer a large selection of well-appointed standard rooms that are anything but "standard" with either a king-size bed or twins.
Dining at Natalie's
Along with luxury accommodations, the Camden Harbour Inn offers award-winning Natalie's Resaurant with sweeping panoramic views of Camden Harbor, the mountains, and Penobscot Bay. This AAA Four Diamond restaurant features European style cuisine and combines it with the friendly New England spirit and a modern take on New England cuisine, too.
Inn guests can enjoy complementary coffee, tea, and snacks all day, and in the morning Natalie's serves a gourmet A La Carte Champagne breakfast with freshly baked pastries.
Harbour Inn's hilltop location offers 180-degree views of the village, harbor, mountains, Penobscot Bay, and evergreen islands. Every room and suite offers a great view and welcomes guests with elegant serenity.
Photo credits: camdenharbourinn, camdenharbourinn, camdenharbourinn


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This year Holly is working on a State Study, really a brief introduction to each state - where it is located, what might be important in that state, some land marks, looking at geographical features and a basic little over view. For this project I purchased the 50 States in 50 Days curriculum from Currclick however we are not doing this in 50 days.The plan for now is 2-3 states a week unless she just digs this and wants to do more, but I am not looking to rush through it either.
Along with this study we will be enjoying puzzles of the United State of America, some art projects, fun with flashcards, poster coloring and tourism brochures. The brochures are actually to be cut up and used for a collage she will make of each state - the state in photos! So far, Holly is really enjoying this and she is excited to see it all completed she said.


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Transportation Security Administration officials revealed the agency broken a single-day record on May 3 when 26 firearms were discovered in carry-on bags at 15 airports.
According to the official TSA website, 21 of the 26 guns confiscated in one day were loaded.
Last week, TSA officials also revealed security personnel confiscated 90 firearms in carry-on bags around the United States, with 73 of the guns being loaded and 35 having a round chambered.
While firearm possession laws vary by state and locality, breaking TSA rules will result in the agency imposing civil penalties of up to $ 13,066 per violation per person for prohibited items and violations of other regulations.
More from TravelPulse:
To combat possible issues, travelers should familiarize themselves with state and local firearm laws for each point of travel prior to departure. Both firearms and ammunition can be transported in checked baggage, but passengers must learn how to properly travel with the items.
TSA officials warn travelers that replica items also cause major holdups in security lines as explosives experts need to be called to the scene to confirm their inert nature.
This story originally appeared in TravelPulse.


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"We buy things that we don't need, with money we don't have, to impress people we don't like." -Anonymous
In August of 2011, I was buried in approximately $50,000 worth of debt—yes, 50!! I had accumulated about $22,000 in student loan debt between studying abroad in Paris, France and staying in college for one extra semester. Then, a few months after graduation my piece-of-crap of a car broke down and, in all of my 24-year-old wisdom, I replaced it with a $27,000 "pre-owned" (read: used) car.
The semester in Paris was one of the best experiences of my entire life, and I wouldn't trade it for the world. The money that I spent living and learning there was well-spent and, to this day, unregretted. I probably could've splurged a little less and saved $1,000 or so, but the trips around Europe and days spent tasting the cities' finest cuisine and touring the most famous landmarks is forever fondly in my memory, and that is irreplaceable!
The $27,000 car, however, was a huge over spend. In my defense, I did pay a [very] small down payment, and I traded in my clunker to shave a little bit off of that price. But the majority of that purchase was covered in a one big car loan. Oh, and never mind the $2,000 or so charged to my credit card every month that I "paid off," just to charge back up again! Looking back, I could've done a lot of things differently, for example, purchased a cheaper car! But lessons do tend to stick with you longer when you learn them the hard way...
In October 2013, one of my best friends in the world told me that her and her husband would be totally debt free in less than 6 months—no car loans, student loans, credit cards, nothing! I was flabbergasted. I had always known this debt-free concept existed in theory, and I studied and worked in Finance, so I knew that the interest on my loans was working aggressively against me, but everyone I knew had a car and student loan, it was normal, it's what being middle class entailed. But Anna proved me wrong; she showed me the light, and I've never looked back!
Okay, so maybe I looked back a few times, and messed up a lot, and broke my budget more times than I can count… But I had my eye on the prize! And I'm happy to say that 16 months after Anna slapped some sense into me, I have paid off almost $50,000 in debt and am 100% debt free! It definitely wasn't easy, but it definitely wasn't as difficult as I thought it would be and was more than worth it! And with a little bit of perseverance I'm sure you can do it too!
Here's what I did:
1. Get Inspired. A wise financial guru named DaveRamsey has a famous "debt free" plan called the "Debt Snowball," which Anna strictly followed, and I loosely followed, on our debt free journeys. Dave has a book and Podcast that you can listen to to keep you motivated and on track, even when that Prada bag is calling your name! There are other financial experts out there, but Dave's debt plan is simple and to the point, and especially if you have no financial training I recommend you get plugged into him ASAP!
2. Create A Mini-Emergency Fund. Get a cushion of money, which can cover your basic expenses and debt payments, in the bank right now. Dave recommends $1,000, but Anna saved less because she and her husband had two incomes and low living expenses, and I saved more—a month's worth of expenses—because I'm basically my only financial hope. Depending on your risk tolerance and level of responsibilities, save an amount that feels right to you. This is not going to be your forever emergency fund, so don't spend a year saving $10,000. This is just money to fall back on in case the furnace breaks while you're attacking your debt.
3. Create a Budget. For some reason no one likes this word. It seems to have a negative connotation with lots of people that I talk to; I think it makes people feel restricted and contained. I almost changed it to say "Spending Plan," but then I decided against it because honestly, if you have anywhere near the amount of debt I had, you do need to be restricted and contained!
Creating a budget, based on what you actually bring in and spend every month (and not on some fallacy of what you want to bring in and spend!) will provide insight into your spending habits, and help you determine what amount you must pay (to bills, insurance, debtors, etc.) each month, and what amount you are regularly wasting on your favorite expensive habit(s). It will also help you to determine how much money you can take from those habits, and put towards paying off your debt instead.
A few tips for budget creation:
- List everything – from bills to tips at restaurants, if you don't include it, you aren't being real with yourself.
- Categorize – separate your budget into sections such as "Bills," "Restaurants," "Clothes," so that you can see exactly where the overspending is happening.
- Be paycheck based – Make your budget reflect your pay periods versus a weekly or monthly basis. This way, you're not having to drastically change and recalculate your amounts every month, and your income will always be consistent per budget period.
- Use Excel. It just makes life so much easier!
4. Control Yourself. Review your budget and, if you haven't already, set limits on your frivolous spending. Once you realize that you're spending $150 per month at Starbucks, or $200 downloading music on iTunes, the required cut-backs should be easy to identify. If you're pretty good at managing your money and don't run into any huge over spends (or even if you do), you'll need to think of creative ways to cut back and get your extra debt money.
A few of my simple tricks:
- Space out your hair appointments – Get your hair highlighted/cut/colored every six weeks? Try a subtler hue and going every 8 weeks instead.
- Make your coffee at home – I used this during my debt payoff, and saved almost $100 a month!
- Buy in bulk – anything from laundry detergent to steaks can be bought in bulk on Amazon or at Costco, and can save you a ton of money!
- Use Cash – It is scientifically proven that handing over a $20 bill is three (or so) times as painful as swiping that plastic!
- Make money – Don't already have a side hustle? This may be the encouragement you need to get one started!
5. List Your Loans. This is really as simple as it sounds. Log into every credit card account that you own, scavenge through your recycling bin for that last student loan statement, and contact your lenders via phone or email if you have to—yes, even call your mom! Determine exactly how much money you owe and to whom you owe it. Make a nice little list and then organize the loan amounts from smallest to largest (again, Excel: a saving grace). If you have two loan amounts that are within $1,000 of each other, list the loan with the higher interest rate first.
SN: If you don't know your interest rates, you should!
6. Pay More Than You Owe. Now's the time to take all of that extra cash you saved (or earned!) in Step 4 and apply it towards your debt. Continue to pay your normal payments as they come due, but put everything extra that you saved or reallocated to your debt in your budget planning process, towards paying off your smallest loan.
The idea here is, your smallest loan is likely to be nominal, and you will be able to pay it off quite quickly. Well, guess what you do next month, when that $100 loan is all paid off? You take the money that normally went to that monthly loan payment and put it towards your next biggest debt instead! Then, after only one month in, you've already paid off a loan, and doubled one of your other loan payments!
This is the genius behind the debt snowball. By the time you're a year into it, your largest loan will be all that's left, and all the payments you used to put towards all of these other loans, will now go towards your largest loan, a payment of two, three, or four times the size of the required monthly payment! Pretty exciting stuff!
7. Check In. Modify, update, and revise your budget often. When you pay off a loan, keep track of where you're going to put that money next month. If you start a side hustle, have a garage sale, or get a bonus or raise at work, account for that money as income and mindfully decide which debt to put it toward. If you get on the right track and feel like you could make more cutbacks, change your budget to reflect that. Monitoring your progress will allow you to visually see your debts shrink and your goals become reality!
If you have any questions about this process, want some more inspiring frugal tips, or would like a free copy of my own personal budget spreadsheet, leave a comment below or contact me directly!
Good luck with your Snowball!