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Thursday, November 29, 2012
Three days into his six-day USO tour to the Pacific, Trace Adkins has lifted the spirits of more than 1,000 airmen, soldiers, sailors and their families. Having just wrapped up spirit lifting USO visits to Yokota Air Base and Misawa Air Base, the country music star will visit Camp Hansen on Friday followed by Kadena Air Base on Saturday. This is the singer's seventh USO tour but his first USO visit to the Pacific. (More images can be found on our Flickr set.)
Trace Adkins performs his second USO show of the tour for more than 1,000 airmen and their families stationed at Misawa Air Base. In 2002, Adkins was among the first group of entertainers to travel to the Middle East.
Adkins shakes hands with concertgoers at Misawa Air Base.
"A lot of people get attention for the wrong reasons, but the true measure of a hero is serving others," Adkins said. "Our servicemen and women stationed around the globe are the real people who fit that bill. They devote their lives to supporting our nation, protecting our freedoms and sacrificing their lives. And deserve all the recognition and thanks we can give them. Each and every USO tour I go out on is important and unique, and this one is no different."
Following his first USO show in Japan at Yokota Air Base, Adkins poses for photos and autographs lots of items, even a fan's boot.
High in the control tower of the Yokota Air Base flight line, Adkins chats with airmen as they explain military operations.
* See more images from the Trace Adkins tour on our Flickr set.
(Photos by Dave Gatley - USO / Produced by Christian Pelusi)
Al Roker Announces Today/USO Comedy Tour Downrange with Jay Leno, Other Stars
Hiring Heroes: KISS, Def Leppard Promote Hiring Veterans on Summer Tour
Sesame Street/USO Moment Maker: Joseph Mackey
On the Road with Katie: Sesame Street/USO Experience for Military Families Teaches Military Kids How to Cope
Celebrities and BET Experience Attendees Send Messages of Thanks to Troops
USO P.O. Box 96860 Washington, DC 20077-7677 Phone: 1-888-484-3876
© 2014 USO, Inc. All Rights Reserved.


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The Kalamazoo River is located in the southwest portion of Michigan's lower peninsula. The river runs about 148 miles west from the headwaters of the southern branch in Hillsdale County into Lake Michigan near Saugatuck.
Potawatomi Indians and French missionaries and fur traders inhabited the area in the 1600 and 1700s. By the early 1800s, there were several small communities along the river, including Kalamazoo.
With the introduction of the railroad in the 1840s, the importance of the river for transportation diminished. By the mid-1800s, several communities had grown up along the river as mill towns and commercial centers. Allegan Hydro, west of Kalamazoo, began operating in 1936.
In the Allegan Hydro tailwaters, steelhead, brown trout, salmon, walleye, bass, and catfish congregate. Northern pike and pan fish inhabit the reservoir. There is also a portage and boat launch picnic facilities.
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Also known as Calkins Bridge, the Allegan hydro can produce up to 2,550 kilowatts of electricity. It was built by the city of Allegan in 1936 and financed under the Franklin D. Roosevelt-era National Recovery Act.
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Michael Charles blues band
- When: Thursday, February 17, 2011, 9:30 p.m.
- Where: Old Town Pub & Restaurant, Steamboat Springs
- Cost: $5
- Age limit: 21+
- Categories: Blues
Old Town Pub, 9:30 p.m.
The Australian-born blues musician has been a touring musician since age 12, sharing stages with the likes of Buddy Guy. His gritty voice and the pure wail of his guitar spans decades and oceans. $5. Call 970-879-2101. 600 Lincoln Ave.
Related links
- See this band on MySpace (October 15, 2009)
- Explore Steamboat: Old Town Pub
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Dec 07, 2010 | 12:53 PM
ETF Securities Ltd. has set a Dec. 10 launch for the world's first physically backed exchange traded funds (ETFs) in copper, nickel and tin, the company said Tuesday.
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|Index number
|Most recent month on a year earlier
|Most recent 3 months on a year earlier
|Most recent month on previous month
|Most recent 3 months on previous 3 months
|Index of Services
The latest Index of Services estimates show that output increased by 0.8% between January 2013 and February 2013, following an increase of 0.3% between December 2012 and January 2013.
The Index of Services has not followed the same path as GDP. Following the decline in 2008/2009, total output has grown, surpassing its pre-recession peak in August 2012, and its February 2013 level represents another new peak. The weakness seen in the output measure of GDP can be largely attributed to the production and construction industries. GDP (output, income and expenditure) is still around 3% below its pre-recession peak.
The effects felt by the 2008/2009 recession have differed between the main industrial sectors of the services sector. Quarterly data shows the business, services & finance sector is only slightly under its pre-recession peak. However, the distribution, hotels & restaurants sector remains some way below its pre-recession peak, as does the transport, storage & communication sector. The latter has witnessed stagnation in its recovery over the past two years.
The government & other services sector has proved to be the most resilient, with continual growth since 2009, and is now above its pre-recession peak. This is to be expected during periods of low or negative economic growth as automatic fiscal stabilisers come into effect, such as increasing demand for government services related to unemployment, careers and skills. Unemployment increased significantly during most of 2008 and the first part of 2009, and has remained around 8% since May 2009, compared to pre-recession levels of around 5%.
The latest data, however, point to these differences narrowing. The distribution, hotels & restaurants sector recorded growth of 2.1% between January and February 2013, while the government & other services sector recorded growth of only 0.3% over the same period and has now grown less since 2009 than the other three sectors in the index.
|% of GDP
|Release date
|Month of GDP
|Percentage change
|Most recent 3 months on a year earlier
|Most recent 3 months on 3 months earlier
|Most recent month on the same month a year ago
|Most recent month on the previous month
|Index of Production
|Construction output1
|Index of Services
|Retail Sales
These estimates for the services industries mean that, subject to revision, all the main components for the output measure of GDP (construction, production and services) are published for January and February 2013 the first two months of Quarter 1 2013. The March estimates for production and construction output will be published on 9 May 2013 and 10 May 2013 respectively, with the March estimate for services published on the 23 May 2013 alongside the Second Estimate of Gross Domestic Product for Quarter 1 2013.
As seen in Figure 2 the Index of Services increased by 2.2% in February 2013 compared with February 2012, following growth of 0.8% in January 2013 compared with January 2012. In order of their contribution to growth: business services & finance increased by 2.0%; distribution, hotels & restaurants also increased by 4.5%; government & other services increased by 1.2%; and transport, storage & communication increased by 1.8%. Further detail on these movements can be found in the sector analysis section.
Between January 2013 and February 2013, as seen in figure 3, the Index of Services increased by 0.8%. This growth reflects widespread increases across all industries within all four components of the service sector. In order of their contribution to the rise in the latest month: distribution, hotels & restaurants output increased by 2.1%; business services & finance increased by 0.7%; transport, storage & communication increased by 0.8%; and government & other services increased by 0.3%.
Industries showing particularly strong growth between January 2013 and February 2013, include other professional service activities, which increased by 2.2%; retail, which increased by 2.1%; motor trades, which increased by 3.7%; and food and beverage services, which increased by 2.6%. There was some feedback from businesses which suggests the strong growth in February in retail and food & beverage services was due to a 'bounce back' after the bad weather conditions in January, however, there is little evidence of the bad weather having a significant effect on the wider service sector.
More detail on individual divisions can be found in the IOSCOMP tables in the data section of this bulletin. The tables also provide information on the growth for the three months ending in February 2013 compared with the previous three months and compared with the three months ending February 2012.
The Index of Services measures the chained volume index movements of the UK service sector. The service sector now accounts for more than three quarters of the output measure of gross domestic product. Figures are adjusted for seasonal variations unless otherwise stated and the reference year is 2009=100. For an explanation of the terms used in this bulletin, please see the background notes section. Care should be taken when using the month on month growth rates, due to their volatility. An assessment of the quality of the services statistics is available in the background notes.
|% of Services
|Month on a year earlier Volume (SA) (%)
|Contribution to services (% points)
|Month on month growth Volume (SA) (%)
|Contribution to services (% points)
|Total Service Industries
|Distribution, hotels & restaurants
|Transport, storage & communication
|Business services & finance
|Government & other services
The index of distribution, hotels & restaurants increased by 4.5% in February 2013 compared with February 2012. The main upward movements were in motor trades, which rose by 14.5%, and wholesale, which rose by 6.0%.
The index of transport, storage & communication increased by 1.8% in February 2013 compared with February 2012. The main upward movements were in publishing, audiovisual & broadcasting activities, which rose by 9.4%; warehousing & support activities for transportation, which rose by 3.8%; and land transport, which rose by 3.4%.
The index of business services & finance increased by 2.0% in February 2013 compared with February 2012. The main upward movements were in administrative & support service activities, which rose by 5.1%; other professional service activities, which rose by 4.6%; and real estate activities, which rose by 1.2%.
The index of government & other services increased by 1.2% in February 2013 compared with February 2012. The main upward movements were in activities of households as employers of domestic personnel, which rose by 15.2%, and other service activities, which rose by 3.1%.
This release conforms to the standard revisions policy for National Accounts. The earliest period open for revision in this release is January 2013.
What's New?
Continuous Improvement of GDP: sources, methods and communication
An article providing an overview of current and planned continuous improvement work in relation to producing estimates of quarterly and annual GDP can be found in the Guidance and Methodology area.
Special Events in 2012
There have been a number of special events in 2012. This commentary is intended to help users to interpret the statistics in the light of these events. As explained in ONS's Special Events policy, it is not possible to separate the effects of special events from other changes in the series.
The Olympics took place from 27 July to 12 August 2012 (with a few events starting on 25 July) and the Paralympics from 29 August to 9 September. The effects of the Olympics and Paralympics were reflected in the estimates for the months of Quarter 3 of 2012. More details of how certain series were expected to be affected were given in an Information Note. Detailed articles describing possible effects on GDP and comparing with earlier Olympic Games was published by ONS on 25 October 2012 (229 Kb Pdf) and 25 January 2013 (197.9 Kb Pdf) . Wider effects, for example the presence of the Olympics influencing the number of non-Olympics tourist visits, may of course have affected any of the summer months.
Understanding the data
Short guide to the Index of Services
The Index of Services shows the monthly movements in the gross value added of the service industries (2007 Standard Industrial Classification (SIC 2007) sections G to T). This sector accounts for around 77% of gross domestic product (GDP) in 2009. The index is estimated using the same data sources and national accounts methodology as the quarterly estimate of service industries' gross value added within the output measure of GDP (GDP (O)). These consist of the distribution, hotels and restaurant industries (SIC 2007 sections G and I), transport storage and communication (sections H and J), business services and finance (sections K to N) and government and other services (sections O to T).
Interpreting the data
Some monthly data are volatile. When looking at growth rates, the headline Index of Services figures focus on the percentage change between the most recent month on a year earlier and the most recent three months on a year earlier.
Figures for the most recent months are provisional and subject to revision in light of (a) late responses to surveys and administrative sources, (b) where forecasts are replaced by actual data and (c) revisions to seasonal adjustment factors, which are re-estimated every month and reviewed annually (changes from the latest review are included in this release). In the first and second months of each quarter the Index of Services statistical bulletin is published on the same days as the Gross Domestic Product Preliminary Estimate statistical bulletin and the Second Estimate of GDP (formerly UK Output, Income and Expenditure) statistical bulletin.
In the third month of each quarter the Index of Services statistical bulletin is published on the first working day after the Quarterly National Accounts statistical bulletin. The data for the Index of Services in this statistical bulletin are consistent with the Gross Domestic Product Preliminary Estimate published on 25 April 2013. Data for the retail sector are broadly comparable with the Retail Sales Index published on 18 April 2013, although adjustments to the data within the IoS release are sometimes made at the time of the Blue Book to improve the coherence of the three measures of GDP (there can also be timing differences in the updating of the two series).
Definitions and explanations
Definitions found within the main statistical bulletin are listed here:
Chained volume measure
An index number from a chain index of quantity. The index number for the reference period of the index may be set equal to 100 or to the estimated monetary value of the item in the reference period.
Gross Domestic Product
The total value of output in the economic territory. It is the balancing item on the production account for the whole economy. Domestic product can be measured gross or net. It is presented in the new accounts at market (or purchaser's) prices. A further distinction is that it can be at current or constant prices.
Index number
A measure of the average level of prices, quantities or other measured characteristics relative to their level for a defined base reference period or location. It is usually expressed as a percentage above or below, but relative to, the base index of 100.
Use of the data
The ONS work programme consultation which ended in December 2010 looked at customers' views on how ONS could address customers' needs within a reducing budget.
A link is available to view the Index of Services methodology.
Composition of the data
The Index of Services uses a wide variety of different data, from many sources, which are produced on either an annual, quarterly or monthly basis.
Some of the indicators are derived using current price turnover deflated by a suitable price index. This includes the Monthly Business Survey (MBS) data; an ONS short-term survey on different sectors of the economy. It is one of the main data sources used in the compilation of the Index of Services.
More information on Monthly Business Survey data can be found within the Economic and Labour Market Review release (2.65 Mb Pdf) .
Other sources use direct volume measures that do not need to be deflated, such as Royal Mail Group data regarding postal services and Civil Aviation Authority data for air transport. Other proxies, such as employment numbers, are used also. This occurs with Public Sector Employment and Work Force Jobs data.
Where monthly data are not available (for example when data are delivered quarterly or annually), monthly estimates are derived by forecasting data. This is done using the X12 Arima forecasting method and interpolating a monthly path using a cubic spline.
An X12 Arima forecast is also used where actual data are not available for the latest period (a lower proportion of actual data are available for the latest month). When the forecast is replaced by actual data, this may lead to revisions to the published data.
The Index of Services has been designated as National Statistics by the United Kingdom Statistics Authority, although a number of components are experimental. In August 2012 the article Index of Services - Industry Reviews (446.3 Kb Pdf) was published, highlighting the industries that are classed as experimental and the work that is ongoing to remove the experimental label.
Seasonal adjustment
The index numbers in this statistical bulletin are all seasonally adjusted. This aids interpretation by removing annually recurring fluctuations, for example, due to holidays or other regular seasonal patterns. Unadjusted data are also available.
Seasonal adjustment removes regular variation from a time series. Regular variation includes effects due to month lengths, different activity near particular events such as shopping activity before Christmas, and regular holidays such as the May bank holiday. Some features of the calendar are not regular each year, but are predictable if we have enough data - for example the number of certain days of the week in a month may have an effect, or the impact of the timing of Easter. As Easter changes between March and April we can estimate its effect on time series and allocate it between March and April depending on where Easter falls. Estimates of the effects of day of the week and Easter are used respectively to make trading day and Easter adjustments prior to seasonal adjustment.
Basic quality information
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It is common for the value of a group of financial transactions to be measured in several time periods. The values measured will include both the change in the volume sold and the effect of the change of prices over that year. Deflation is the process whereby the effect of price change is removed from a set of values to derive the volume. These volumes are described as 'at constant prices'.
Within the Index of Services, all series, unless otherwise quoted, are measured at constant market prices. Deflators adjust the value series to take out the effect of price changes to give the volume series.
Summary quality report
A Summary quality report (127 Kb Pdf) for the Index of Services release is provided on the National Statistics website.
National Accounts revisions policy
Key documentation explaining the National Accounts
revision policy (27.8 Kb Pdf)
is available
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Revisions to data provide one indication of the reliability of key indicators. A statistical test has been applied to the average revision to find out if it is statistically significantly different from zero. The result of the test is that the average revision is not statistically significantly different from zero.
The table below presents a summary of the differences published between March 2007 and February 2012 and the estimates published 12 months later.
|Value in latest period
|Revisions between first publication and estimates twelve months later
|Average over the last 60 months
|Average over the last 60 months without regard to sign (average absolute revision)
|Index of Services 3 month on 3 month growth rate
|Index of Services 1 month on 1 month growth rate
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Stone Cat Trail Races
Not a VHTRC sponsored event
Distance: 50 miles
Date: November 8, 2014
Location: Ipswich, MA
Put on by the G.A.C. and sponsored by a brewery. What is there not to like about that? Arguably, one of the best running weekends in the East. Marathon option in addition to the 50 miler. The races are now so popular, there is a lottery for entry. Lottery is held from July 1-10.


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HOME College Ohio Bobcats Gear Ohio Bobcats Home Office & School College Basketball Gear (1 items) Product ID: 1086146
Main Content
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Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Plus Blog
December 20, 2012
On the 23rd of June this year Alan Turing would have celebrated his 100th birthday. During his short and tragic life he revolutionised the scientific world and so 2012 was declared Turing Year. We're sad to see that an official pardon for his 1952 conviction for homosexuality, which was then illegal, still hasn't been granted. But that hasn't stopped us from celebrating his life and scientific achievements. See all our articles related to his work below.
If you're a secondary school student then you can join the Alan Turing Cryptography Competition run by the School of Mathematics at the University of Manchester. It involves a story of six chapters, following the exploits of two children, Mike and Ellie, who get involved in a cryptographic adventure involving a mysterious ancient artifact — the Egyptian Enigma! Every two weeks, starting on Monday 7th January, a new chapter of the story will be released on the website. Each of the six chapters contains a code to be solved. Teams of at most four students have to solve these codes as fast as they can and submit their answers on the competition website.
There are some great prizes for the three top-placed teams at the end of the competition. There will also be a prize for the first team to solve each chapter and a number of spot prizes awarded throughout the competition. See the competition website for details.
Alan Turing: ahead of his time
Alan Turing is the father of computer science and contributed significantly to the WW2 effort, but his life came to a tragic end. This article explores his story.
Another look at Turing's life and work. Find out what types of numbers we can't count and why there are limits on what can be achieved with Turing machines.
How does the uniform ball of cells that make up an embryo differentiate to create the dramatic patterns of a zebra or leopard? How come there are spotty animals with stripy tails, but no stripy animals with spotty tails? The answer comes from an ingenious mathematical model developed by Alan Turing.
Omega and why maths has no TOEs
Is there a Theory of Everything for mathematics? Gregory Chaitin thinks there isn't and Turing's famous halting problem plays an important part in his work.
Turing is most famous for his work as a WWII code breaker. This article looks at the efforts of all the code breakers at Bletchley Park, which historians believe shortened the war by two years.
A version of Turing's famous test – the "Completely automated public Turing test to tell computers and humans apart", or CAPTCHA for short – helps in the fight against the everyday evil of spam email.
Turing's scientific legacy is going stronger than ever. An example is an announcement from February this year that scientists have devised a biological computer, based on an idea first described by Turing in the 1930s.
Did a philosopher kill WALL-E?
AI has become big business in Hollywood, but will we ever see the computers reliably pass the Turing test? Or is it philosophically impossible?
December 19, 2012
Space is three-dimensional ... or is it? When we spoke to theoretical physicist David Berman in October this year we found out that in fact, we are all used to living in a curved, multidimensional universe. And a mathematical argument might just explain how those higher dimensions are hidden from view.
Kaluza, Klein and their story of a fifth dimension — David Berman explains the concept of dimension and how a mathematical idea suggests that we might well live in five of them.
The ten dimensions of string theory — String theory has one very unique consequence that no other theory of physics before has had: it predicts the number of dimensions of space-time. David Berman explains where these other dimensions might be hiding and how we might observe them.
How many dimensions are there? – the podcast — You can listen to an interview with David Berman as he tells us how Kaluza, Klein and their fifth dimension might help us understand the ten dimensions of string theory.
December 18, 2012
The maths of growth is one of the many topics explored on STEM NRICH.
Want to stop your brain from rusting this Christmas? Then visit our sister project NRICH which received a major make-over this year and now has a beautiful new website. NRICH is aimed at students and teachers of maths of all ages and backgrounds. It offers challenging and engaging activities that develop mathematical thinking and problem-solving skills and show rich mathematics in meaningful contexts.
To train your brain have a look at the NRICH advent calendar, which has an activity for every day up to Christmas, or the regular weekly challenge. If you're interested in real-life applications of maths, then visit STEM NRICH which explores the ways in which mathematics, science and technology are linked. And if you're stuck on a problem or have a general maths question you can ask the team at the Ask NRICH forum.
Because life is too short for long division!
December 17, 2012
Daffodils and mathematical art outside the Isaac Newton Institute in Cambridge.
Time, coffee, something to scribble on and others to chat to — these are the key ingredients necessary for producing first rate mathematics. And they are exactly what the Isaac Newton Institute in Cambridge provides. The Institute runs research programmes on selected themes in the mathematical sciences, with applications in a wide range of science and technology. It's a place where leading mathematicians from around the world can come together for weeks or months at a time to indulge in what they like doing best: thinking about maths and exchanging ideas without the distractions and duties that come with their normal working lives.
The Institute celebrates its 20th birthday this year, having opened in July 1992. We celebrated with a selection of articles exploring some of the research programmes that have been held there. The Institute asked us to produce these articles in 2010 and we were honoured by being afforded this rare glimpse behind its venerable doors. And as you'll see, what starts out as abstract mathematics scribbled on the back of a napkin can have a major impact in the real world.
Happy birthday, Newton Institute!
Building bridges from mathematics to the city — Many people's impression of mathematics is that it is an ancient edifice built on centuries of research. However, modern quantitative finance, an area of mathematics with such a great impact on all our lives, is just a few decades old. The Isaac Newton Institute quickly recognised its importance and has already run two seminal programmes, in 1995 and 2005, supporting research in the field of mathematical finance.
Renewable energy and telecommunications — When the mathematician AK Erlang first used probability theory to model telephone networks in the early twentieth century, he could hardly have imagined that the science he founded would one day help solve a most pressing global problem: how to wean ourselves off fossil fuels and switch to renewable energy sources.
Taming water waves — Few things in nature are as dramatic, and potentially dangerous, as ocean waves. The impact they have on our daily lives extends from shipping to the role they play in driving the global climate. From a theoretical viewpoint water waves pose rich challenges: solutions to the equations that describe fluid motion are elusive, and whether they even exist in the most general case is one of the hardest unanswered questions in mathematics.
Strings, particles and the early Universe — The Strong Fields, Integrability and Strings programme, which took place at the Isaac Newton Institute in 2007, explored an area that would have been close to Isaac Newton's heart: how to unify Einstein's theory of gravity, a continuation of Newton's own work on gravitation, with quantum field theory, which describes the atomic and sub-atomic world, but cannot account for the force of gravity.
From neurobiology to online gaming — Artificial neural networks grew out of researchers' attempts to mimick the human brain. In 1997 the Isaac Newton Institute hosted a landmark research programme in the area. Today, neural networks are able to learn how to perform complex tasks and are crucial in many areas of life, from medicine to the Xbox.
The shape of things to come — Progress in pure mathematics has its own tempo. Major questions may remain open for decades, even centuries, and once an answer has been found, it can take a collaborative effort of many mathematicians in the field to check that it is correct. The New Contexts for Stable Homotopy Theory programme, held at the Institute in 2002, is a prime example of how its research programmes can benefit researchers and its lead to landmark results.
December 16, 2012
"Eights" by George Hart, featured in this issue of Eureka
Looking for some great Christmas reading? Good news! The annual magazine Eureka has just published its first ever digital issue and to celebrate they have reprinted some of the best articles from past issues featuring authors such as Stephen Hawking, Roger Penrose, John Conway, Stephen Wolfram, Paul Dirac and many others.
You can view Eureka via a free iPad app or download it as a PDF. Happy reading!
December 15, 2012
Sara Santos busking on the streets of Krakow.
This summer, while at a conference in Poland, we were lucky enough to watch Sara Santos and her maths buskers perform on the streets of Krakow, handcuffing innocent Krakowians (a punishment for dividing by zero), constructing emergency pentagons, and reading minds. Maths busking is about showing the public the surprising and fascinating side of mathematics through the medium of street performance. Sara Santos is co-founder of Maths Busking, which is both a network of performers and a business delivering training, school and entertainment services. The training sessions are particularly popular amongst teachers, science communicators, and researchers in mathematics and sciences.
If you're interested in maths busking performances or becoming a maths busker yourself, visit the Maths Busking website or listen to our interviews with Sara and other maths buskers in our podcast.


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Animal trials
- E.P. Evans
- Hesperus, 2013
- Find it in Pittcat ›
- Request this book by email ›
This book provides fascinating insight into a bygone era when trying an animal in a court of law and sentencing it to imprisonment or death was a common practice in Europe.
PittCat: KJC65.E915 2013


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Original Price:
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A perfect layer for those chilly morning rides, when comfort is key, and lightweight performance is just what the weather requires. THERMO fabric provides optimal warmth with superior moisture transport for a dry ride.
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Macy's: Shopping for growth
Online profits are putting this brick-and-mortar retailer at the front of the parade.
It's no secret that the Internet has changed the way people shop. And retailers who have not changed their ways and embraced the Internet have been under the gun.
One brick-and-mortar retailer that is doing nice business online is Macy's (M), which operates more than 800 department stores under the Macy's and Bloomingdale's banner. Indeed, online sales for this retailer were up nearly 40% for fiscal 2012 ending in January.
Despite concerns about a cash-strapped consumer, Macy's has put up strong numbers. Per-share profits in fiscal 2012 ending in January are expected to be $2.81 to $2.83 per share (final numbers were reported after the newsletter went to press), up from $2.03 in the previous year.
Per-share profits have beaten the consensus earnings estimate in each of the last four quarters. A big help to the top and bottom line has been the Internet.
Online sales positively affected the company's same-store sales numbers in the fiscal fourth quarter by 1.7 percentage points (same-store sales for the quarter overall were up 5.2%).
Thus, the company's Internet efforts are truly moving the needle and should continue to help the company's growth.
The firm has been able to continue its streak of 26 consecutive months of year-over-year sales growth. For fiscal 2013, per-share profits should jump 16% to $3.27.
The sharp rise in profits has fueled healthy dividend growth. The company recently doubled its quarterly dividend to $0.20 per share, payable April 2. The yield is now more than 2% and there is plenty of upside for the dividend over the next several years.
Macy's stock traded well into the $40s in 2006 and 2007, so there appears to be plenty of upside based on historical trading patterns. The stock trades at less than 13 times fiscal 2012 earnings estimates.
Please note that Macy's offers a direct-purchase plan whereby any investor may buy the first share and every share of stock directly from the company. Minimum initial investment is $500. Subsequent investments are a minimum $50.
Related articles:
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This Appendix contains Table C.1, a list of item response rates for questions from the N-SSATS 2005 questionnaire. Careful editing and extensive follow-up have maximized item response. It was generally high, averaging 98 percent across all items. Item non-response was 10 percent or more for only five items, and two of those items were catch-all "other" categories.
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Green Bean Salad with Caramelized Onions
Haricots verts is a French term that is used to describe young, tiny, slender green beans that are generally cooked whole. If you can't find haricots verts, use green snap beans instead.
Yield: 4 servings (serving size: 1 cup)
More From Oxmoor House
Recipe Time
Cook Time:
Prep Time:
Nutritional Information
Amount per serving
- Calories: 69
- Fat: 1.2g
- Saturated fat: 0.2g
- Protein: 2.2g
- Carbohydrate: 12.5g
- Cholesterol: 0mg
- Iron: 0.8mg
- Sodium: 185mg
- Calories from fat: 16%
- Fiber: 5.1g
- Calcium: 70mg
- 1 teaspoon vegetable oil
- 1 large onion, sliced into thin rings
- 2 tablespoons balsamic vinegar
- 2 tablespoons minced oil-packed sundried tomatoes
- 1 pound haricots verts or small green beans, trimmed
- 1/4 teaspoon salt
- 1/4 teaspoon freshly ground black pepper
- Heat oil in a large nonstick skillet over medium-high heat. Add onion; cook 5 minutes, stirring frequently. Continue cooking 15 to 20 minutes or until deep golden brown; stir frequently. Add balsamic vinegar; cook 2 minutes. Remove from heat. Add tomatoes.
- Cook haricots verts in boiling water 2 minutes or until crisp-tender; drain.
- Combine haricots verts, onion mixture, salt, and pepper in a large bowl. Serve immediately.
My Notes
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Green Bean Salad with Caramelized Onions Recipe at a Glance
- COURSE: Side Dishes/Vegetables
- CONVENIENCE: Entertaining, Kid-Friendly, Quick/Easy, Family
- CUISINE: American
- MAIN INGREDIENT: Vegetables
- DIETARY CONSIDERATION: Meatless, Gluten-Free
- OCCASION: Thanksgiving
- PUBLICATION: Oxmoor House
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Even More of a Good Thing: Framed Wallpaper
Many months ago we wrote a post featuring framed wallpaper panels that acted as accents rather than backdrops to their spaces. In this new year, let's check out the newest examples we've found in which this treatment enhances already-beautiful rooms.
1. Houzz
2. Northern Virginia Magazine
3. JPM Design
4. DecoJournal
5. Chinoiserie Chic
6. Houzz
7. Elle Decor
8. Design Dazzle
9. JPM Design
10. Houzz
10 Comments
great as a headboard
Love this look, but where do you get frames big enough without spending a lot of money?
You have to build the frames. Go to a big box home improvement store and look at mouldings. You'll need a mitre.
But what do you mount the wallpaper to? Particle board? and then frame?
Looks amazing as a headborad! I think I will have to keep that idea in mind.
Love love love this idea! I want to wallpaper my living room but I think I will do this instead so when Im tried of it I can just take the frame down!!
I love this idea for super expensive wallpapers that we all love but can't afford to wallpaper a room in. Must try this idea out sometime.
I had one of those in my inspiration flickr. I like this one too wallcovering the inserts of a old door-
The paper is usually applied to the wall and then framed, but I've also mounted it to a board and hung it like a regular piece of art. Removing wallpaper from a wall can be a real pain.
i have a large piece of wallpaper framed over my bed and another smaller version in a brighter color near the dresser! LOVE IT!
Cole & Sons "woods" in white and in violet


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SmartyPig: A Goal-Oriented Savings Account
Published on - August 19th, 2008 (Modified on - October 29th, 2009) (by J.D. Roth)
Have you ever wanted to pool your money with friends or family to save toward a common goal? While it's possible to do this with paper and pencil, it'd be easier if there were an online service to automagically track the savings for you. SmartyPig believes it is that service.
SmartyPig is a
special branded savings account from new type of savings account, with funds held at West Bank of Iowa. It's specifically created to foster goal-oriented savings. From the site's promotional material:
SmartyPig is a unique savings program that was designed to help you save for specific savings goals. Goals are funded with a required monthly recurring contribution from your existing checking or savings account. You can also make additional one time adds of money to your goals and receive contributions from your friends and family members. SmartyPig is unlike any other savings account!
You might, for example, use SmartyPig in the following ways:
- Your brother could open an account to which family members could contribute as he prepares for the arrival of his first child.
- You and your girlfriends could share an account to save for a cruise next summer.
- You and your wife could set saving targets for remodeling the house.
- You could create your own private account in which you save for a new car.
SmartyPig promises that it is secure as any other online savings account. Deposits are FDIC insured. Best of all, the account currently offers 3.90% APY!
I haven't used SmartyPig myself, but it sounds like an interesting way to save for goals. I'll probably stick with my ING Direct subaccounts for now, but I'd love to hear from GRS readers who may have used SmartyPig for the last few months. Do you like it? Would you recommend it to others?
This article is about Budgeting, Money Hacks, Tools
The interest is nice, and so is the goal-oriented savings but I seem to remember that there is a fee every time someone contributes to your fund. Fail.
It's pretty cool. I was afraid I'd lose my SmartyPig debit card and lose the hundreds of dollars I had saved for new electronics. The interest may be high, but it won't amount to much each month. I'd rather just add money to my regular savings account and get interest deposits of $20 each month.
Thanks for the tip!
I prefer the ING sub accounts also. It's great how you can create a sub account on the spot and provide a descriptive name. The down size, which isn't huge, is a checking draft only shows ING rather than your sub account name. The feature to hold accounts in a living trust is also very nice (and simple).
I wish I had known about this months ago, when I got married. We purposefully didn't register anyway because we wanted to receive cash to put towards our new home. An account like this would have been perfect. We could have sent out info on the account with the invitations. I did some research on this type of thing back at the beginning of this year, but couldn't find anything like it. I think it is an awesome idea, there should be more out there.
I was all set to start an account only to find that they only allow US citizens or green card holders to start one. Just thought I'd leave a comment here in case any other non-permanent residents wanted to try starting an account.
I've been using it for a couple of months now.
– If you redeem as a gift card from somewhere, you get a nice little increase.
– You can open multiple accounts.
– You have to take out your entire "goal"'s worth of money, which is a minimum of $250. So you can't just pull out $50 if you need it.
– Interest is paid daily, but only gets increased monthly, and only paid out quarterly.
– Transactions are *slow* . . . almost a week, so you might actually lose money by transferring out of INGDirect or something, even with it being a lower interest rate, because of the missed days in between.
Overall, it's fun to play with, but not as quick and easy as a "regular" savings account.
J.D. Thanks for the post! Just wanted to clear one thing up: funds are held in West Bank but we are not a branded West Bank account. As for your ING sub accounts, your friends can't help you out using ING! And if you have a social network page, you can't put an ING widget there to help them find your goals and contribute! In all seriousness, though, really appreciate it. @Anca, if you lose your debit card, you can get a new one, you can even reload your debit card over and over again with funds from other goals. @Kristen, we have tons of customers who are using SP in instead of traditional gift registry – for weddings, babies, etc. -Jon Gaskell, SmartyPig Co-Founder
This is a very interesting concept. You really can't beat the interest rate.
One factor that might not make it worth it is if your regular credit card gives you reward points.
You need to compare the two and see what gives the most benefit.
I've read a few posts on it, and I think it's a very interesting concept; but I would never use it. I think it would come across as begging, the only reason I could imagine using it is for a wedding, in which I think it's a great idea…especially if it takes into account who gave you the funds. Too bad I'm already married.
Thanks for the info. I just opened an account to buy a "group gift" for my hubby. He's been eyeing a Japanese made, custom taylored gi (karate uniform) that is WAY out of my budget, but I know his mom and sisters would "go in on it" with me. SP seems like a good tool for that use…
Interesting idea, but what's the benefit if the person being gifted (or whatever) can withdraw only the entire amount contracted for? Am I understanding that right from Jason's comment?
What if more than the desired sum is deposited? Is the overrun just forfeited to SmartyPig? What if people never do deposit enough to add up to the desired amount? Then what happens to the money — is it returned to the donors…or what? If the interest accrues monthly and is paid out quarterly, what if you reach your goal in, say, six weeks? Do you ever see the interest on it?
If the number of people involved are few and they trust each other, wouldn't it be better to open a single joint savings account in a bank or credit union with all their names on it, so they can all make electronic deposits? That's what my son and I are going to do. Seems simpler than dealing with a virtual bank where you likely can't reach a human being.
I have been doing this (without using SmartyPig of course) with my WAMU online savings and HSBC online savings account for the past 2 years. My plasma screen TV, lazyboy furniture and high fidelity sound system are proof enough that this concept works.
My best friend and I have a joint account at ING to save up for a girls' trip to Paris when I turn 50 (June 2010). We have almost $2500 saved up by contributing $50 each per month. This was very easy to set up, and it's how I got started at ING.
I too was going to give the SP option on my wedding invites – however, I was never able to log in to the account as I never received a password – nor follow up from the company. I am glad to see the ING references on here as I have been hearing good things! Thanks posters!
I'll repeat this for tt: giving any information about gifts you want to receive for your wedding or where you are registered on an invitation is tacky, tacky, tacky. You don't invite someone to your wedding to get gifts. Time to read some etiquette books people.
i understand it's classic etiquette, but i had several people complain to my mother and i that i did NOT include registry info on my invites. so, fyi, the old standards are changing.
Barb1954: I don't find this any more tacky then telling people where you're registered for gifts. Placing something like "For monetary gift I would please ask you to go to XXXXX and not bring cash in an envelope, Thank you" would not really be tacky… I actually know of a copy weddings where money in cards has been stolen by someone at the wedding (including the mother in law taking a huge handful "because of the large contributions she made to arranging the wedding"). So I know I would be more comfortable having an account like this or even saying pay pal me the money.
For "Funny About Money":
Yes, you can withdraw only the entire amount that has been deposited (no less). If more than the desired sum is deposited, that's okay. It just sits in there, gathering interest along with the rest, but it's part of the full amount you have to withdraw.
If people never deposit enough to add to the desired amount, you should be able to close the "goal" at any point, but you must withdraw the entire amount of money, along with the interest that has accrued so far.
I agree that it's probably simpler to open a joint account, but you can only do that with so many people–this way co-workers, other family, friends, etc., can contribute to a "goal."
There are some other tricks I've learned to make it work the way I want, but it took a little learning.
For those who want to know more, here are a couple references about wedding invitations and mentioning anything about gifts on the invitations, which is a big no-no:
I'm with Barb1954 here. It is rude, rude, rude to include information about gifts with a wedding invitation, whether it's cards for a gift registry or information about an account. If you know someone well enough to ask them to your wedding, they'll know how to contact you or your family members about where you're registered, assuming they want to buy off a registry or give you money, which is of course their choice. But demanding gifts by putting that information with a wedding invitation is the definition of tacky. And no one ever gets to decide what other people are going to give them, let alone when or how. The fact that people might steal cash is no excuse to be rude (although it does suggest more caution with the guest list is warranted).
I can't believe there are people who think that adding gift information (of any kind) to a wedding invitation is reasonable. Or any kind of invitation, frankly; we registered for our recent baby shower, but that information certainly wasn't included with the invitation. My friends who've had baby showers: ditto. And yet everyone managed to figure out the registries.
While I wouldn't include the info ON the invitation, I don't think including it WITH the invitation as an insert would be unwarranted. Here's why: The registry is a service for the guests. Why would one purposefully exclude that information, forcing the guests to contact either the marrying couple or another guest to get the information? THAT seems truly rude. One would never purposely exclude a map to the location and force your guests to get directions! Plus, it can make for a point of gossip, as "who had to use the registry" as opposed to gifting something more personal.
Of course, this is seems like a standard fight between traditionalists and others. A sort of accepted compromise seems to be creating a website for the wedding, and including THAT with the invitations. Then on the website, along with other information, you can include information about gifts and registries.
I don't think at a registry is inappropriate. It's just too old fashioned a notion – it's like saying that we are all being rude for not wearing white gloves to the reception.
A registry is supposed to HELP your guests out. Why keep it a secret?
I DO however, feel that putting things like "instead of gifts the couple would like cash" is EXTREMELY tacky. At least a registry gives you suggestions of what they might like to help offset multiple toasters and the like. Even if it is saving up for a house – this is your personal financial situation you are throwing out there and it says a lot about you.
I also think it's really rude to sign up for a registry and have everything on it be more than $50. Really? $50 for a towel? $70 for one knife? I know that there should be a handful of more expensive things, but there is going to be one sad bride and groom out there coming home to 2 bath towels, 2 hand towels and 1 wash cloth that FOUR of their friends had to chip in to buy!! (True story! Those 5 things came out to $115!!)
Heck – why not charge a cover at the door?
Hey, in Japan, they do charge at the door! (I got that from a book, not personal experience).
As a guest of many weddings, I *appreciate* having registry info right in the invitation. Then I don't have to run around the (virtual) world looking for the right store. Even though I know my mom would think its tacky, I'm all for the SP deal as a registry. Or for a high-school graduation – that would be great!
Sorry guys, the registry is not a service for your guests because your guests are under no obligation to bring any gift at all and registries give the impression of "since I know you're buying something for MEMEME… get it here"
That's why it's tacky. It's tacky too present yourself as entitled to gifts from anyone. The gracious thing to do if you're going to register (and I think SmartyPig is a fine idea for a registry! Just not on/in invitations) is to let your families and the wedding party know where you are registered and the word will get out without either bride or groom having to say "oh and hey, since I know you're going to drop a bunch of cash on me… do it here"
It might be old fashioned, in fact it definitely is, but it's far more tasteful than behaving like a child on her birthday.
On Topic: SmartyPig sounds interesting but complicated. I'd rather do sub-accounts on ING also, even if people can't donate to it, I like to keep my money where I can understand what's going on.
I'm sorry, but I've seen countless invitations for baby showers and weddings that include registry information. For a wedding it's not on the main invitation, but it's on an insert, just like directions are on a separate insert, and the RSVP card is another insert. For baby showers, it's always included on the main invitation.
Another thing – if you're going to a wedding – people expect you to bring a gift. It's not tacky, it's society. People say it's rude to say anything about a registry, but it's also rude to go eat a four course meal, get a wedding gift for attending, and be entertained for several hours and not bring a gift. It's a fact of life that you bring a gift to a wedding. People may not think that's "right," but it's kind of the way it is. Now, the great thing about Smarty Pig is if guests are on a budget and can only afford to give, say $10, then it's a lot nicer to just donate and say "I donated to your Smarty Pig" rather than give them something cheap that they might now use.
There are also lots of couples who put, along with the invitation, something like "in lieu of gifts, please donate to so-and-so charity." No one ever thinks that's tacky. What's so different about giving SP info?
hmmm… well I'd like to apologize for coming off as prissy or sanctimonious regarding wedding gift etiquette, I certianly would not like to give off that impression.
Anyone is of course free to do as they will for their wedding. I would not put a registry on the invitation because I want people to come to my wedding to celebrate my happiness not feel obligated to buy anything for me. If there is an alternate point of view that works for someone else there's nothing wrong with that in the least.
However, it is traditionally accepted that including any reference to gifts-including cash gifts, charitable gifts, or a gift registry-on or in an invitation is incorrect. Times change and perhaps this is a Jurassic custom, but there is a reason people have thought that way for a very very long time. Miss Manners is a great resource for questions like this btw, and you can read many portions of her books on google books.
Sincerest regrets for derailing the thread.
Hey folks. Tiffany here at SmartyPig. Great questions and comments.
@Funny about Money, SmartyPig has been designed to help people save for specific
purposes. With that in mind, when you want to redeem your funds, you must
close a goal. You can, however, have multiple goals open. Once you reach
your goal, your monthly contribution stops but you continue to be able to
add funds and earn interest until you decide to close your goal. If you
close your goal prior to the end of the quarter, interest is paid up to the
time you close your goal.
@tt, Am sorry that you did not hear back about your password. The number for customer support is 888-567-6278; feel free
to ask for me directly.
@Jason Scott, ACH contributions typically take three days to clear into your SmartyPig goal and credit card contributions post as
soon as the next day.
Thanks again for the opportunity to post this reply. If you have any questions, please feel free to email me anytime at support (at) smartypig.com.
Sounds like a great idea, except for the part about the fees.
Maybe credit unions will start something similar in the future.
My family have been with http://www.tropicalfcu.org forever because they have convenient online banking and practically no fees – even overdrafts!
I have a smarty pig account and I love it. I am specifically saving for a trip abroad and have over half saved. My initial investment was a $50 SP card I won over at Gather Little by Little and I haven't stopped saving since. I will be able to take the 'credit card' and buy my airfare, hotel/hostels and whatever else I need or want when I go. I do not have my account set up for others to be able to contribute so I can't comment on that part of it, but in general, I am happy with it.
I've used Smarty Pig for about 4 months now and overall I really like it.
+Fast, easy to use, and set up
+GREAT customer service. I wanted to deposit a large amount and it wouldn't let me do it online, so I called and got to talk to someone and they called me back with an answer too. Pretty cool.
+Good interest rate.
+Bonus bump with the partner retailers.
+/- Not easy to withdraw money.
+/- The laughs I get when I tell people I use it. hehe I like the name and I think it is so cute.
-Takes sooooo long to get the $ there. It feels like a week. And the $ is taken out of your account before it posts to SP so the middle days your $ isn't earning interest.
Overall really good and I'd recommend it. To me, it seems like it really is for two things. 1. Long term savings and 2. Saving for goals. (As opposed to saving $ for the heck of it and using it as overdraft protection…or spare disposable income to spend.)
I'd write more but I think I made my point.
I tried to open an account with them but ran into a problem.
I have frozen my credit profile because of an accidental leak of some personal data about a year ago. I have two credit cards and don't need any others, so to be on the safe side I put a lock on my credit profile and thought no more of it.
When I went to open an account with smartypig (and other banks too, to confirm what I was seeing) they all told me I couldn't open a savings account with them because my credit profile was locked! What the hey? What does my credit profile have to do with a savings account? Where does "credit" enter into the equation? Surely a savings account is a straight-up transaction…I open an account and send them a cheque for X amount. They put X dollars in my smartypig account and we're done, right? Why do they want my credit profile?
I feel like I'm being punished simply for being safe and cautious with my credit profile. It would cost me $30 to temporarily lift the freeze in order to let them check (and that's too much), but as I said before, why do they need to see it?
2.9% processing fees per transaction? No thanks.
Hi everyone. Tiffany at SmartyPig again. Have been reading your responses and would like to clarify a couple of points:
@Cathy and @Mikhaila Clements, SmartyPig is completely free. The 2.9% fee is only for non-users giving gifts via credit card and is the same rate as PayPal for credit card transactions. There is no charge to open, contribute or close a SmartyPig account, as they are free to users.
@Brian Smith, SmartyPig takes security very seriously. If you would like to open a SmartyPig goal, you can always temporarily lift the freeze on your credit file and apply at that time. If you have any questions about how to do this, please feel free to contact me at support (at) smartypig.com.
Hi Tiffany, and thanks for your reply. I'm sure your company takes security very seriously, as I'm sure any bank would, but why does that mean checking my credit history? Why am I being kept from opening a savings account simply because I have taken steps to protect my credit history? Shouldn't there be an alternate method for verifying whatever it is that you need to verify?
I realize this is not just SmartyPig's policy, but any other bank would do this too: I just don't understand why.
I found Smarty Pig a few months ago just by Google-ing "savings rates" and Smarty Pig had the highest rate. When I checked out the site, it said it was Free, had 3.9% rate and FDIC insured. Who can say no to that. I closed my ING accounts – not even my CD could get that high of a rate. I anyone is complaining about trying to get money in or out – it takes a few days anywhere you go. This is not a normal ATM, it's for SAVING money, not withdrawing everytime you need cash. I love that it calculates your monthly contribution to your savings goal. I tell all of my friends about it – it's the best thing since ING!
@Brian Smith… I don't know, but I expect they want to see your credit history because it's an approved form of identification for you. ie – they're using it to verify you're who you say you are.
@Brian Smith…First of all, my apologies for not seeing your question sooner. Not quite sure how, but I missed your question until today. @Smantha, you are correct, we use the credit report as a form of identification when we cannot confirm the user's identity through our other processes. While we typically do not have to make a hard pull on the applicant's credit file, there are situations where this is the only way we can complete the industry regulated verification process.
Thanks to everyone for you questions and comments. As the head of compliance, I would love to address any other questions you may have. You can reach me directly at tbrewer (at) smartypig (dot) com. You can also check out what The Consumerist had to say about us earlier this week at http://consumerist.com/tag/smartypig/.
Thanks for the reply, Tiffany, and the advice (Samantha), but I'm still not convinced that my credit record establishes my identity, nor that you NEED to establish my identity.
If I say I'm George Washington and give the correct SSN, address,date of birth etc, then seeing his credit record does nothing to establish that I (me sitting at the keyboard) AM George Washington. It just proves I know his personal details. I can't think of a scenario whereby you can truly verify who I am without me being there in person: any question answered electronically could be answered correctly by someone who'd stolen my identity.
My guess is that the scenario you're trying to avoid is if someone steals my chequebook and tries to open another account somewhere in order to transfer all my money out, then cash it out. I don't see how accessing my credit profile would help prevent that, unless you called me (on an old phone number, not a new one, of course!) to see if I can quickly and verbally verify obscure aspects of my credit report.
It's all academic, I know, but I was able to open a CD at Zionsbank without any problems. I like keeping my credit profile frozen and will only work with businesses that don't see that as a problem.
Thank you for being here to answer these questions, though, it's very nice to see this happening.
I am a resident alien and would be in US for next 5-6 years. I am authorised to work in US. Can I open a account with Smartypig?
@Kaushal Thank you for posting your question. To answer your question, I have to ask one back. Do you have a tax id number? If so, you will be able to go through the registration process using that information. If you do not have a tax id number, we will not be able to verify your identity, so we will not be able to open your account at this time. Please feel free to contact me directly at tbrewer(at)smartypig(dot)com if you have any other questions. Thanks, Tiffany
Yes, I have a valid SSN, which is a tax-id too.
How does SmartyPig manage to pay such a high interest rate of 3.9% APR when all other online savings accounts are paying only 2.5% APR. Is this just an introductory offer.
Thank you for your post. SmartyPig's APY as of 1/2/09 has been changed to 3.25%. While the interest rate is subject to change at any time, SmartyPig will strive to always remain competitive. Our APY is set by West Bank, our banking partner. Please feel free to contact me directly if you have any further questions at support(at)smartypig(dot)com.
Thanks, Tiffany
Thank You Tiffany. I appreciate your response. I have opened the account at SmartyPig yesterday.
I've been using SmartyPig for about two months now, and overall I'm happy with my service. I've been the only one depositing any money in the account, so I'm not sure how well it works with a multiple depositors. As an individual account, though, it works nicely: the interest is wonderful (3.25% vs. ING's 2.2% and HSBC's 2.4%, currently), I haven't had any problems with service, and the selection of tools is quite helpful.
I do have a few quibbles, though. First, it'd be nice to choose how much money to put into the account each month, rather than having to finagle the savings goal total or end date to get an amount near what you'd like to contribute. Second, it'd also be nice to simply end contributions to a savings goal and keep the money in place (earning aforementioned high interest rate). Unless I've missed something, there's no way to do either of these things, which limits the ease of using SmartyPig as, well, a virtual piggie bank.
@Roger Thank you for your post. Glad to hear that you have enjoyed using SmartyPig as a way to save. You ask a couple great questions, and ones that we have heard from a few users now. We are currently looking into letting users set their monthly contribution by amount rather than with the goal calculator as a possible future site enhancement.
As for your second questions, your monthly contributions stop once you reach your goal. At this point you will continue to earn interest on your funds and can make one time contributions using the Add Money feature, but your monthly contributions will no longer automatically draft. Thanks again for your post and feel free to contact me directly at support(at)smartypig(dot)com.
Thanks, Tiffany
You really can't beat their APR. My wife and I recently started using SmartyPig. We have one goal account for a trip to Japan, and another one to cover expenses for when we start our family (set to a goal of $2000 with a one-year time period – every year, we'll reinvest the money from it for another year, that way we can potentially save 10s of thousands of dollars without having to lock away our money for decades at a time). We have only started recently, so I'll have to see how it goes.
Just to let everyone know the rate is 3.05%! I am unable to find this kind of interest anywhere else.


text:
This is just amazing work. Absolutely wonderful.
Agreed, you've really taken the bull by the horns with this one Carbus. However it seems to me that there are still a few quirks with the border/canvas size. The title seems to veer slightly to the left, while the border veers slightly to the right. The canvas size is also longer on the right hand side. I imagine these will all be addressed before your final draft but I just thought I'd point them out just in case.
This is just amazing work. Absolutely wonderful.
Another one!
I bet you guys are tired of me already xD
The only signficant change are the Heralds, what you guys think?
Also thank you all guys for the feedbacks, positive and negatives, they are the real motivation to keep me doing this crazy map of mine xD
Thank you for observations! Gonna work the hole thing later, when I finish the actual map!
### Latest WIP ###
This is absolutely beautiful. I'd love to play a game on this map.
Actually, I think I'd just frame the map and hang it on the wall, it's too pretty to risk damaging it.
I like the Keyelements Structure a lot
Carbus this is really turning out great!! I love all the detail you're putting in
Hey guys, finnaly my last WIP, it was great fun and plenty of work, but in the end Im quite pleased with the final result. Unfortunately I wish I did a better work on the borders, but its something Im still learning. Thank you all for the support and tips, especially SK, arsheesh and Meshon!
### Latest WIP ###
Last edited by Carbus; 05-30-2013 at 06:20 PM.
Looks great . You Missed one of the opening# and the thumbnail scrubber isn't picking up your final edition !! Better fix that pronto !!
"Aye The skies be clear , the seas be calm and the winds be with us .....
ARGH!! but the damn compass be broken!! "
Capt. Noah Swalter Last voyage of the " Silver Crest"


text:
10/20/09 | Posted by Cinematheque | Posted in Cinematheque
Story: Sep 22, 2014
Television and film writer teaching narrative writing at CIA
CIA Exhibition: Aug 28, 2014
2014 Faculty Exhibition
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Painting chair curates exhibition exploring art, materials
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Mizoguchi's Greatest Decade
Social: about 21 hours ago via Facebook
"The great picnic," the latest installation by CIA grad Mark Reigelman '06, is featured in designboom magazine. Read the article below.
Story: Sep 02, 2014
CIA ingenuity will be on display at arts and technology fest...
Events: Sep 26, 2014
Lunch On Fridays: GM Design
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New residence hall welcomes first-year students in comfort, ...
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Filmmaker and author John Waters to present one-man show
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Unrelated (2007) trailer
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CIA again named to "Best in the Midwest" list
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A Creative Life featuring Paul Yanko
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10/22-28: Import Export, Waterlife, Woody Allen & More!
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East Is West and West Is East in Ulrich Seidl's sardonic, stylish IMPORT/EXPORT In Ulrich Seidl's IMPORT EXPORT, a Ukrainian nurse and single mother migrates to Vienna to find work, while an unemployed Austrian security...
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10/13/09 | Posted by Cinematheque | Posted in Cinematheque
BETTY BLUE is longer, sexier, crazier, hotter in three-hour "Director's Cut" Beatrice Dalle ignites the screen (and a few other things) in BETTY BLUE: THE DIRECTOR'S CUT. This newly-released version of Jean-Jacques Beneix's 1986 French...
10/8-11: Agnes Varda, Woody Allen & More!
10/07/09 | Posted by Cinematheque | Posted in Cinematheque
Agnes Varda traces her brilliant career in delightful THE BEACHES OF AGNES Octogenarian Agnes Varda is the only female filmmaker associated with the male-dominated French New Wave of the 1950s and 1960s. But did you...
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Breezy to purchase new computer server
Failures in the city of Breezy Point's computer server have led the city council to approve purchase of new equipment not to exceed $14,606.80.
City Administrator Joe Rudberg stated in a memo to the council Monday night, Jan. 7, that the city's computer server is for both city hall and the police department.
"Almost everything we do requires this server availability," Rudberg stated.
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With a face like this, there aren`t a lot of lawyers or priest roles coming my way. I`ve gotta face that was meant for a mug shot and that`s what I`ve been doing for the past thirty years. If I play a cop, it`s always a racist cop, or a trigger-happy cop or a crooked cop - but by and large I play cowboys, bikers, and convicts.
`Swamp Thing` in Con Air. In a movie that has so many villains, take a look at my character closely - not that it supports the weight of a careful examination - and you`ll see that I don`t really get in anyone`s face, I don`t really kill anyone, I`m not really a bad guy - I`m just a guy who likes to fly. He made the mistake of landing his plane full of controlled substances in the wrong place and finds himself in the system. In terms of bad guys though, the character I played in Breakdown was a very bad human being. There`s nothing redeeming about that character. - on the question, out of the character`s he`s played, who was his favorite and who was his least likable character.
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Loose fit silk check print shorts from Topshop Unique, featuring hidden zip and tab button closure, and minimal styling with draped side accents.
100% Silk
Polyester lined
14.5" waist
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Deftoil Marine Teakwood Finish
Exterior penetrating Danish Oil specifically formulated for hardwoods such as teak. Excellent for use on patio furniture, and marine applications above the water line.
How to apply this product:
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Hello All,
Due to the last minute craziness associated with finals week/conference preparations/holiday card writing and so forth, the WERC Friday Seminar Series Executive Board has decided to hold off on our regularly scheduled seminar this week, and instead take a few brief minutes to relax and serve up some jalapeno flavored peanut brittle. Please feel free to come by this afternoon at 3:30 and join us for some peanut brittle, red velvet cupcakes, lemon bars, secret to-be-announced flavorful treats, or the usual zesty snacks. We can discuss important issues, recite holiday poetry, or simply contemplate the trans fat content of the food. Erica Betts, our original speaker, has agreed to postpone her presentation until the spring.
Please note, we'll meet in Duckering 535 this week instead of 531.
Happy Holidays to all.