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|Eastern Conference
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CLICK HERE for WHL Images
CLICK HERE for WHL Highlights
ROCKETS EDGE AMS – Myles Bell scored his 16th and 17th goals of the season to help lead the Kelowna Rockets to a 3-2 triumph over the visiting Tri-City Americans in Western Hockey League action on Wednesday night.
Dylen McKinlay's goal 10:27 into the second frame was the difference-maker for the Rockets (16-8-1-1), who were held scoreless on four power play chances as they post their fourth consecutive victory. Jordon Cooke made 25 saves in the victory.
Connor Rankin and Drydn Dow scored while Michal Plutnar chipped in two assists for the Americans (16-9-1-1), who suffer their second straight setback and remain in third place in the U.S. Division standings. Eric Comrie made 20 saves in a losing cause.
Game Summary
Morgan Rielly's fifth goal of the season, scored 15:09 into the third period, was the winner as the visiting Moose Jaw Warriors eked out a 2-1 victory over the Vancouver Giants on Wednesday.
Kendall McFaull – with his first of the season – also scored for the Warriors (10-11-3-4), who outshot the Giants 34-16 as they improve to 2-0 through two games of their B.C. Division road trip. Justin Paulic made 15 saves to record his seventh win of the season.
Tristan Sieben scored the lone marker for the Giants (7-18-0-0), who went scoreless on four power play chances as they drop their fifth straight decision. Payton Lee turned in a 32-save performance in the defeat.
Sam Reinhart and Luke Philp scored in a shootout to lift the Kootenay Ice to a 5-4 win over the visiting Edmonton Oil Kings on Wednesday.
Philp scored twice and set up another while Reinhart added a goal and two assists for the Ice (8-15-1-0), who also got a goal from Jon Martin, while Erik Benoit drew a pair of assists. Mackenzie Skapski stopped 20 of 25 shots over the third period and overtime, and wasn't beaten in the shootout to claim the win after replacing Wyatt Hoflin, who made 14 saves on 17 shots through the first two frames.
Dylan Wruck scored twice while Keegan Lowe and Cole Benson each added singles for the Oil Kings (16-5-2-3), who fall to 0-3 in shootouts this season but move into a tie with Calgary for first place in the Central Division. Laurent Brossoit made 17 saves through regulation play, but was beaten twice in the shootout to take the loss.
Game Summary
Jaimen Yakubowski scored twice and set up two more to pace the visiting Lethbridge Hurricanes to a 6-4 win over the Prince Albert Raiders on Wednesday.
Russ Maxwell and Axel Blomqvist each picked up a goal and an assist while Jamal Watson and Sam Mckechnie also scored for the Hurricanes (14-13-1-2), who overturned a 4-3 deficit with three unanswered third-period goals as they snap a six-game losing skid. Christopher Tai made 27 saves to claim his first WHL victory.
Sawyer Lange – with a goal and two assists – Logan McVeigh, Mark McNeill and Jonas Knutsen counted for the Raiders (18-8-0-2), who were blanked on three power play chances as they see a three-game win streak snapped. Luke Siemens made 28 saves in the loss.
Game Summary
Adam Lowry got his 11th goal of the season as the visiting Swift Current Broncos scored three times in the first period en route to a 5-1 win over the Brandon Wheat Kings on Wednesday.
Chance Lund, Ryon Moser, Tanner LeSann and Graham Black also scored for the Broncos (11-12-3-2), who earn their second win in as many nights over the Wheat Kings. Eetu Laurikainen made 24 saves to record his 11th win of the season.
John Quenneville scored the only goal for the Wheat Kings (10-15-2-1), who failed to convert on five power play chances as they suffer their fourth loss in a row. Corbin Boes made 26 saves in a losing effort.
Game Summary
Timezone: PT | MT | CT | HOME TEAM
Which Division will produce the 2014-15 WHL Champion?


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Carolyn Porco:
This is Saturn
Planetary scientist Carolyn Porco shows images from the Cassini voyage to Saturn, focusing on its largest moon, Titan, and on frozen Enceladus, which seems to shoot jets of ice.
pin This talk was presented at an official TED conference, and was featured by our editors on the home page.
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They were charming and the clothes -- high quality separates with real women in mind -- were impressive, especially for a celebrity whose name isn't Victoria, Mary-Kate or Ashley.
But the celebrity hook brings me to an altogether different point.
I really wanted to ask Katie if Suri, her 4-year-old daughter who has become quite a style icon of her generation, ever puts in her two cents, and tells her mother which pieces she likes from the collection.
Just as I was walking into the interview, I was asked not to bring up Suri. Holmes, like any mother, is apparently very protective of her little one's privacy and it was suggested that she become upset if I asked about her daughter.
I was quite taken aback. I know celebrities can be quite guarded, but given the type and number of Suri photos in circulation -- in high heels with Starbucks cup in hand -- I was surprised that my innocent question had the potential to unleash a meltdown.
The whole incident made me once again ponder the celebrity-fashion equation, and how there seems to be a double standard.
On the one hand, celebs desire to be taken seriously as designers, yet they don't want to play by the fashion rules. I sometimes wonder if Halston president and chief creative officer Sarah Jessica Parker would sneak off the movie set to discuss a story on markdowns and chargebacks.
Of the lot, Victoria Beckham is one of the exceptions. She is approachable, and if there is a question she doesn't want to answer, she knows how to deflect it. I just wish Katie took some cues from her pal.


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SHEBOYGAN, Wis. (WHBL) - A Sheboygan man has been sentenced for sexually assaulting a 15 year old Sheboygan Falls girl. 33 year old Jamie Krueger appeared Thursday before Judge James Bolgert on two counts of sexual assault of a child. Bolgert sentenced him to 12 years in prison to be followed by 12 years on extended supervision. Authorities said Krueger was babysitting the girl at her home and the two had been drinking when Krueger took the girl into the basement and raped her. He then assaulted her a second time the following day.
Coast to Coast AM 12:00 AM - 5:00 AM
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New York
Running a League, From Behind the Plate
BY Corey Kilgannon | May. 24, 2013 | 1:46
Rich Ritchie is the commissioner of the Queens Lighted Softball Association, a nighttime league of which he is also the chief umpire.
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Atopic dermatitis
This activity has been approved by the American Board of Dermatology to satisfy Component 4, evaluation of performance in practice, of the Maintenance of Certification Dermatology (MOC) program.
Special offer: Purchase your first module for $249 and pay only $229 for each additional module.
Available modules
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You're leaving Wedding Paper Divas to see the Deal of the Day at our parent site, Tiny Prints.
You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
"If you order the light pink, it is actually Peach. Just beware, color is not as depicted in the images. Beautiful, but very different."
"I ordered this product for my wedding, along with enclosure cards and the RSVP cards. I was completely 100% satisfied with the customer service that I received, as well as with the product. My wedding invitations are going to look absolutely gorgeous, and it's all thanks to Wedding Paper Divas. Bonus: I was a little worried about when they would get to me, but they actually got to my home a week earlier than they had told me they would. Thank you, WPD!"
"The paper quality is excellent. The reviewer worked with me several times to get the colors exactly right. I am so happy with this card and the RSVP cards as well."
"I ordered a Save the Date Sample and an Invitation Sample and both arrived in such a classy, stunning portfolio with examples of paper types and colors and other useful tips and information. Such a beautiful package! I absolutely cannot wait to order these for my Southern lowcountry Wedding next year! I do not need to look any further. These are the first and only samples I have ordered from anywhere and they are BEAUTIFUL. This Company is a Class Act."
"I could not have been more pleased with my experience with Wedding Paper Divas. I received all orders right on time, they turned out better than I even imagined and they were the perfect design for my destination wedding. I continue to get compliments on my invitations and will treasure them forever! Thank you to the kind ladies that I spoke with via phone to make some last minute edits! They were amazing :) Thank you Wedding Paper Divas!! Stacey"


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Can Sears (SHLD) Pull Off its Turnaround?
NEW YORK (TheStreet) -- Does anyone think Sears (SHLD) can pull itself up by its bootstraps? As TheStreet's Rocco Pendola argued earlier today, a picture is worth 1,000 words.
And the numbers are worth a million. The struggling retailer provided an update on its quarter-to-date performance which sent shares spiraling in extended trading. Same-store sales as of Jan. 6 were down 7.4% compared to the same period a year earlier, a dismal result for the critically-important holiday shopping season. Sears Domestic same-store sales dropped 9.2% while Kmart experienced a 5.7% fall.
By way of comparison, in the third quarter ended October 2013, comparable store sales fell 3.1%, which included a 2.1% drop at Kmart and a 4% decrease at Sears Domestic.
With shoppers snubbing the store, Sears downgraded its fourth-quarter net loss guidance for the period ending Feb. 1 to between $2.01 and $2.98 a share. Analysts surveyed by Thomson Reuters expected a far less severe loss of 20 cents a share.Sears is due to release fully reported fourth-quarter and full-year results on Feb. 27. After diving 3.2% over Thursday's session, the Hoffman Estates, Ill.-based business slumped a further 13.8% to $42.57. TheStreet Ratings team rates Sears a Sell with a ratings score of D. The team has this to say about it recommendation: "This is driven by multiple weaknesses, which we believe should have a greater impact than any strengths, and could make it more difficult for investors to achieve positive results compared to most of the stocks we cover. The company's weaknesses can be seen in multiple areas, such as its generally high debt management risk, disappointing return on equity and poor profit margins."
- You can view the full analysis from the report here: SHLD Ratings Report
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Patient Comments: Pneumonia - Symptoms
Please describe your pneumonia symptoms.
Comment from: hopetogetbettersoon, 25-34 Female (Patient) Published: June 30
I was healthy Thursday, and had a fever of 102.4 on Friday, and by Saturday I was in ICU with a bp of 73/36 for the next 4 days. I'm 32 years old and healthy and active. I've never been sick before. When I went into the hospital it hurt so much to breath I just wanted to stop. They thought it was PE and took me to MRI and it turned out to be a serious case of Pneumonia. The doctors have no idea what brought this on or how it got to serious in a matter of 2 days. I wasn't coughing, no running nose, nothing. 7 days in the hospital and a central line to get all the medicine in me.
Comment from: Sheila, 55-64 Female (Caregiver) Published: June 20
My pneumonia symptoms included tightness in my lung area at the back, chills and sweats, coughing, and soreness of limbs.
Published: June 15
My 8 year old son, with Down Syndrome, started coughing at dinner (about 6 pm). The cough continued for about 2 hours. We thought that it was just phlegm in his throat, and waited for him to vomit it up (very usual for him). He was shaking and signed that he was cold, I took his temp and he was fine. One hour later, he felt very hot, so I took his temp again and it was 104.6. Needless to say, we took him to Urgent Care, an exam, and x-ray later pneumonia. Treat temperature when it occurs and on Azithromax daily. Was told that we found it soon enough that we shouldn't have to hospitalize him.
Comment from: Sezzia333, 19-24 Female (Patient) Published: May 13
I had all the symptoms of pneumonia. Fever, headaches, cough, sore throat and chest, chills and phlegm. I went to my doctor and he said that I just had a chest infection and he put me on antibiotics. I came back 5 days later and he had a medical student there who suggested I should have a blood test and an x-ray. The results from both the x ray and the blood test turned up that afternoon saying that I had pneumonia.
Comment from: bec, 25-34 Female (Patient) Published: May 13
feel really lathargic sick like vomiting through out the day lose of appetite vomit in shower due to steam but its like white froth
Comment from: cami.96, 13-18 Female (Patient) Published: May 02
I recently had a cold or so I thought when I stopped having the cold symptoms the cough stayed and is still there then I started having this back pain in my middle- upper back in one certain point it would hurt when I was getting up but it would burn when I took a deep breath. Not all the way only when I was done inhaling and I was going to let out the breath.
Comment from: Andrew, 35-44 Male (Patient) Published: May 02
Very good article I learned a lot. I am mid 30's fit and healthy but have been under immense stress from work. I had flu symptoms, which wouldn't go away, then shivering and sweating in bed, worse was coughing when I was lying on my back. Went to the doc's who diagnosed with pneumonia. Last thing I thought I would have. Over a month later still not 100%. Lost weight through lack of eating and could not do any exercise because if I started breathing heavy I could not stop coughing.
Comment from: Ole man, 75 or over Male (Patient) Published: April 27
When I retired for the night I started having pain in my back and chest, thinking that I had strained muscles and all would be better but by morning the pains were almost naught but temp. was 102 so went to ER where I was told it was bacterial pneumonia.
Comment from: judi, 55-64 Female Published: April 19
I don't know what's wrong with me. I feel very fatigued. I have occasional chest pain, it hard for me to breathe. I was diagnosed with COPD a few years ago when I had insurance. It is difficult to just stand to make something to eat, I get so tired. My inhalers don't seem to do anything. Lots of aches and pains. Also maybe a bladder thing going on because I feel a lot of pressure when I go to the bathroom.
Patient Comments
Viewers share their comments
Pneumonia - Describe Your Experience Question: Please describe your experience with pneumonia.
Pneumonia - Treatment Question: What kinds of treatment have been effective for your Pneumonia?
Pneumonia - Diagnosis Question: What kinds of tests or exams led to a diagnosis of pneumonia in you, a friend, or relative?
Pneumonia - Progression and Prognosis Question: What was the progression and prognosis of pneumonia for you, a relative, or friend?
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email posts to all subscribers of main blog
I was wondering if Buddypress has the capability to send all the subscribers of the main blog an email notification of a new post or the entire post….
i dont want to use mailpress or subscribe2 because i would rather it save a copy in their buddypress inbox as well as email them.
any one have a solution for this? thanks in advance.
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me falling of a dws into the dordogne river.
© DEvans, Jul 2010
dws near sarlat
Camera used: Panasonic DMC-FZ7


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Philip, 27, Irish guy who probably watches too much TV for it to be good for him. I make gifs of a lot of stuff.
Posted December 27, 2012 at 8:04 pm
107 notes
#lord of the rings#the fellowship of the ring#gandalf#ian mckellen
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As your adolescent grows and develops from childhood into adulthood, many considerations regarding his or her growth and maturation must be taken into account. Listed in the directory below are some, for which we have provided a brief overview.
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text: http://ubuntuforums.org – Whether I locate Netflix from the dock, or if I type its name in overlay mode, or whatever, the icon is gone. Netflix launches just fine, but it's just irritating because it's not supposed to be like that. I have uninstalled and re-installed Netflix to no avail. (Hardware)


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The head of the New England Mafia has agreed to plead guilty in federal court in Rhode Island on Thursday to taking part in an extortion plot, according to court documents filed Wednesday. It was the latest blow to a criminal organization that continues to see its power erode.
Anthony L. DiNunzio, 53, of East Boston, the younger brother of convicted mobster Carmen "The Cheese Man" DiNunzio, would be the sixth consecutive boss or acting boss of the area faction of La Cosa Nostra to be convicted.


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(Services near Froedtert Hospital)
Questions? Contact Us
Proper disposal of unnecessary prescription medications helps keep the groundwater clean. Bring your expired and unwanted medications to any Froedtert & the Medical College of Wisconsin Pharmacy and we will safely dispose of them for you.
We can accept prescription and over-the-counter medications. We cannot accept controlled substances, biohazardous materials or household hazardous waste. Medications can only be accepted in their original packaging or prescription bottle.
Patients with unused medications that meet certain requirements may also choose to donate these medications to our Froedtert & the Medical College of Wisconsin pharmacies
Medications can be dropped off at any of our Froedtert & the Medical College of Wisconsisn campus pharmacies. Our team at the Specialty Clinics Outpatient Pharmacy then works to dispense these products to individuals who have no insurance or are under-insured.
Patients who have a valid prescription from an authorized provider, have cancer or another chronic condition and have no insurance are under insured may be eligible to receive medications from the repository. For more information on the drug repository program call 414-805-6570.
Our medication collection and disposal program is available anytime during business hours at all of our pharmacy locations.


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Mindy Mccready
Those stars who loved and respected country singer Mindy McCready took to their Twitter accounts to express their sadness and shock at the death of the 37-year-old from an apparent self-inflicted gunshot wound to the head.
Carrie Underwood: "I grew up listening to Mindy McCready... So sad for her family tonight. Many prayers are going out to them."
Jason Aldean: "Just heard about Mindy McCready. My thoughts and prayers are with her two boys and her family."
Singer Mindy McCready is mourning the loss of boyfriend David Wilson, who was found dead Sunday in an apparent suicide.
Country star Mindy McCready broke her silence on "Good Morning America" today after being accused of abducting her 5-year-old son, Zander. McCready said she took Zander away because he "is in great danger, both physically and emotionally" with his legal guardian -- Mindy's mother, Gayle Inge.
Mindy continued, "What I did was to protect my child and there is not a person in the world that is ever gonna tell me that is wrong."
The missing five-year-old son of country singer Mindy McCready was found hiding in a closet with his mother in Arkansas, according to Deputy U.S. Marshall David Rahbany.
Zander and McCready were found in a vacant home in Heber Springs, Arkansas on Friday night. Officials believed that the singer, 36, and Zander might be with her boyfriend David Wilson, who resides in Heber Springs. A neighbor reported there were lights on at a vacant house, before marshals and police entered the home and found the mother and child.
The seven "X Factor" finalists paid tribute to Michael Jackson on Thursday evening's show before the voting results were announced. Here are three memorable moments from the show:
1. Rap sensation Astro was sent home.
2. Fourteen-year-old Drew, who was in the bottom two, sang "Listen to Your Heart" by Roxanne before she was eliminated.
3. Before walking off the stage, a sobbing Drew thanked her fans and said, "Jesus loves all you guys. That is truly what I was in this competition for anyway."
Full story The Examiner
Get more "Extra" Scoop headlines for Friday, December 2!
Father of Mindy McCready's Son Says Singer is 'Pushing Her Luck' by Ignoring Judge's Custody Order -- FOX News
'Hugo' Picks Up Best Film and Earns Martin Scorsese Director of the Year -- The Guardian
Meryl Streep Turns Up at Couple's Wedding Dressed as Margaret Thatcher -- Contact Music
Nicki Minaj Barbie Doll to Be Made by Mattel, Auctioned for Charity -- Billboard
On the same day she insisted that, despite reports, she did not kidnap her 5-year-old son Zander, a rep for Mindy McCready says she is five months pregnant with twins. Read full story at People.com.
Here are more hot topics for November 30!
Troubled country singer Mindy McCready and her 5-year-old son, Zander, have disappeared after a dispute with the Florida court system, reports AP.
The boy, who lives with McCready's parents, was picked up by his mother Tuesday and has not been seen since. McCready doesn't have legal custody of the child but is allowed visitations.
Country singer Mindy McCready, 34, has been hospitalized in Cape Coral, Florida for what was thought to be a drug overdose, but McCready's rep says the singer did not OD, reports TMZ.
Apparently, McCready had broken her toe a few days before and had a bad reaction to painkillers. Her mother "overreacted" and called 911 Tuesday morning. The fire department arrived, and the singer was immediately transported to a hospital in nearby Cape Coral.


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Chapter 1
Angel's P.O.V
I was dreaming of me and my sister in a house with a man. "I told you I would find you didn't I" he said and I screamed and woke up. "It was a just a dream it was just a dream" I said. My sister and I use to live with my father after my mom died giving birth to me and my twin sister. He use to hit us every single day. My sister the most because my mom died giving birth to her. Know we are being moved to my grandma's house tommorow. I tried to go to sleep when I heard police searins. "Tess wake up" I said and she jumped up and we went downstaires. "Open the door or we will but it open" said the police. "Open the door Dad" Tess said "Shut up one more word from you and I'll kill you" he said "You wont touch her" I said "Watch me and keep up your additude your gonna be next" he said and then the door busted open and a police tackled him to the ground. Tess screamed when two hands grabbed her and I kicked them and we ran upstaires and locked us upstaires. "Oh laides please open the door" the police said "Comeon Tess it's a police we can trust him" i told Tess "Okay" she said and I open the door and the took us to the police station where we slept the night for tommorow to board the plan to go to grandma's. We were on the plane and Tess was sleeping I was listening to my I pod when the plan attendent said. "The plane will be landing shortly" she said. When we landed in La Push. We got of the plane and looked for our Grandma. When we heard .......
cliffy sorry please comment for the next chapter
Chapter 2
Embry's P.O.V
I woke up to someone banging on my door. I got up and went to answer it and my mom rushed into the room. "Oh Hi son I was wondering if you would babysit Ms.Claires grandkids today so we can go shopping" she said. I didn't know she had grandkids she was always sad and know I know why the never visited. "OH sure mom what time" I said. "Umm well how about 2:00 tommorow. It was eight o clock right now so I went to bed.
the next day
I woke up at one and took a shower, brushed my teeth and put on some shorts. I was going to pratrol for an hour and then take care of the kids. After that my phone rang. I went and picked it up. "Hi baby" said Synthia she was my girlfriend she was hot, and a good kisser. "Hi hottie" I said and heard her giggle "Can we hang out today" she asked her most sweet voice it never got to me because she wasn't my imprint but I was never gonna imprint anyways. "I can't Im going out with the guys and then babysitting" I said "Oh okay see you tommorow" she said and hung up. I went downstaires and ate breakfasdt then left. I was almost finished with pratrol when Seth came and thought "Embry are you taking care of Ms.claires grandkids" and I sadid "Yes why" "Oh because I am too because there are two of them and they are a hand full" he said and left. I phased and went to her house. Sethbeat me there. "Oh hi boys thank you for babysitting Angel and Tess please come downstaires" she said. Angel what a wierd name why would anybody call their kids Angel what if she's ugly. I sighed and then heard someone scream from upstaires "NOT untill I check them first Tess isn't coming downstaires" she said. Wow a pertective sister and I chuckled. "Okay" Ms.Claire said. Ms.Claire would have yelled and screamed what was diffrent know I looked dumbfonded and so did Seth. Then I heard somebody come downstaires and then to the door. I didn't look at her because I was still confused and looked at the ground. I heard her scream "No please no" she said "Oh Angel they aren't like Frank please give them a chance" Ms.Claire said and I heard someone run upstaires and slam the door. 'Oh please come in boys and good luck but I advise you don't touch the girls bye" she said and left. "Come on Embry this might be fun" Seth said "FIne" Is adi and we went inside.
Views: 57
Chapter 6: Angel's P.O.v
I woke up a little hungry I went downstaires and saw a note.
hey sweetie me and Tess went to the mall can you please get some grocieries i lleft a $50 okay thank you
I got the $50 and went to the beach. I was walking on the choreline when I saw something that could hurt me so bad I thought i would howl in pain. I saw Embry kissing a scampy strawberry blonde. I gasped and started running from the beach. My heart acked so bad I thought I might explode. I wanted to cry but I couldn't. Then I heard "Angel Angel please listen to me" Embry shouted after me. He osunded like I'm his girlfriend that caught him cheating. "Why we weren't dating and I don't know you so you don't have to explain anything to me" I said. I was hurt I was in pain I was angry but not at him but at me for thinking he loved me. Ugh he would never love me ever."Angel please me and Synthia we are nothing I have someone else I love so much better{ ugh he loves someone else thats still not me} this one is the person I love and wont stop until I gain her trust" He said. Omg omg omg is he talking about me maybe not but I don't care I hugged him and I didnt want to ever let him go. I love him and trust him. I feel safe and protected in his arms. But thats also how I felt in my stepdads arms. I thought he loved me but he hurt me emotionally and physcally. I jumped out of his arms. I was alittle flushed about how hot he was (In tempurtare). "I got to go to the store and get some stuff for the house sorry" I said and turned around to leave. "Wait can I help you" He asked alittle hopeful. "Sure" I said too happy. We wenty to the store and got everything we needed. I had 10 dollars left so I bought cake batter and cookie batter choclate both. We bought it and Embry carryed it home. I put it all hoome. "Hey do you wanna help me cook the cake" I asked. "Sure" He said. So we cooked the cake and had a flour fight after that we cleaned the kitchen and I gave Embry extra clothes. We were watching T.V. when auntie and Tess came back. Embry went home and I went to the sleep. It was the first night I went to bed without nightmares holding Tess close singing her lullybye
i love it
please write more
cool!!! i like it!!
lol its short n sweet...lol
cant wait 4 more :)
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ATHENS – A.J. Green, Georgia's star wide receiver, will not play in today's season opener because of a continuing NCAA investigation.
Georgia said in a statement barely two hours before kickoff that Green will miss the game "pursuant to UGA Athletic Association policy and pending a ruling from the NCAA clarifying his status."
The NCAA informed Georgia on July 21 that it was launching an inquiry and would interview one player "to determine his knowledge of or involvement in, directly or indirectly, any violations of NCAA legislation."
Earlier this week, Green and Georgia coach Mark Richt declined to say whether Green would play, saying they could not comment on the NCAA matter. As late as Friday night, Georgia had hoped it would receive a ruling from the NCAA before the game. Just after 10 a.m. today, Georgia gave up the wait and announced that Green would not play.
The NCAA is conducting investigations at a number of schools, centered around player-agent dealings and players possibly receiving impermissible benefits, but Georgia has not disclosed any specifics about what is being investigated in the Green case.
Although the NCAA has not ruled on the matter, Georgia faced a decision on whether to play Green because teams can be forced to vacate victories if it later is determined they used an ineligible player.
Green is the fourth UGA player to be sidelined from today's game for off-field issues. Three players — running back Washaun Ealey, wide receiver Tavarres King and safety Alec Ogletree — are suspended from the game because of recent arrests.
Green, Ealey and King were on the field in jerseys and shorts as their teammates went through pregame warmups.
Please share your comments on the Green situation — or the game itself — on Mark Bradley's live blog.


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Map It
Map City Services
Friday November 11, 2011
For Immediate release:Majority Caucus Louisville Metro Council Contact: Tony Hyatt 574-4137/536-3622Councilwoman Attica Scott (D-1) will tour the closed Parkland Boys and Girls Club on Tuesday, November 15th to learn more about the club's building and the future plans for the program.
"I and others on the Metro Council are working to find ways to get Parkland and the other Boys and Girls Club reopened," says Scott. "Too many children have used this facility in the past and there must be a better alternative than closing the doors."
The Councilwoman wants to check out reports that the building has fallen into disrepair with a host of problems that include electrical and roofing needs. The Salvation Army closed four of the clubs last month because of budget constraints.
The Councilwoman will tour the facility at 12:00pm. The Parkland Boys and Girls Clubs is located at 3200 Greenwood Avenue.
For more information, contact Councilwoman Scott's office at 574-1101.Sponsor:Attica Scott (D) 1


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At this point, the agency has completed all the steps necessary to administer the survey:
The following sections provide a step-by-step guide to administering the survey instrument by telephone or mail.
The POMP Survey Instruments and procedures have undergone reliability and validity testing and have been successfully administered over the past ten years. An Agency, however, may want to conduct a pilot (i.e. administer the survey in the proposed manner to a small number of recipients) to refine its data collection procedures.
The agency sponsoring the survey sends correspondence to organizations such as AAAs or providers that have direct contact with service recipients who are sampled for the survey. The correspondence introduces the survey and its purpose, explains the survey process, and includes the study timeline. The correspondence ensures that agencies are aware of the survey and are able to answer questions from sampled service recipients. After the correspondence is distributed, the agency sponsoring the survey may want to schedule a conference call with agencies to answer any questions.
The agency sends advance correspondence to inform service recipients of the survey to reduce the likelihood that they will think that it's a telemarketing call. The correspondence includes a description of the purpose of the survey, the requirements of participation, notification that participation is voluntary, and contact information for obtaining additional information about the survey. Include a statement that participation in the survey will not affect services in any way. The correspondence should be delivered 3-5 days prior to data collection.
Appendix B for the
Catawba Council on Aging Sample Letter of Invitation.
The agency selects interviewers who are not agency employees. Agency staff members may bias the results of the survey by inhibiting the service recipients' responses. If it is impossible to use outside interviewers, the agency should select staff members who do not work directly with service recipients. The characteristics of good interviewers are listed below:
The topics to include in interviewer training include:
An important part of interviewer training is providing opportunities to practice administering the survey and the responses to frequently asked questions.
At the beginning of the training, the trainer explains the background and purpose of the study; including the sponsoring agency, the reason for the study, the potential uses of the results, and the timeline.
Confidentiality. Collecting data from service recipients to assess programs or services involves human subjects. Therefore, data collection is subject to a number of legal and ethical requirements. The agency should instruct interviewers to protect the names, telephone numbers, and other personal information of the people they are calling. This is especially true if interviewers call from locations other than an agency's office building because identifying information may be disseminated via email attachments (most likely with encryption and password protections) or transported—on paper forms or by electronic devices such as laptops or data storage devices—in cars or on public transit. Agencies typically require interviewers to sign a confidentiality agreement.
Appendix B for a
confidentiality agreement.
The agency must adopt special procedures to protect the confidentiality of data in transport or sent via email. If the agency has a confidentiality form that employees must sign, include it in the discussion of agency policies. Protect information from unauthorized disclosure and use. This includes information that is stored outside of locked file cabinets and locked rooms (i.e., data that are transported by laptop, CD, DVD, or memory stick). End the discussion of confidentiality by asking each interviewer to sign the agency's confidentiality form. The exception to confidentiality is the disclosure of elder abuse/neglect or the intent to harm self or others. Interviewers should inform respondents beforehand that they are required to report abuse or neglect to the appropriate parties. The agency needs to have a plan in place for interviewers to follow in the event that this happens.
Appendix B for a
confidentiality form.
Train interviewers to assure service recipients that their responses are confidential and will in no way affect their services. This sets the stage for service recipients to feel free to give honest responses. If interviewers are employed by the agency that provides services, service recipients may worry that their responses are not confidential and may feel less inclined to honestly respond to items about consumer assessment of services. Service recipients may also hesitate to give an honest response for fear of "hurting the feelings" of service providers or fear that they will get the service provider in trouble.
Respondents' right to refusal. It is important for interviewers to understand that respondents may skip any question for any reason. Interviewers are provided with a script to read to respondents before administering the survey that informs them of this right. If the agency is under the authority of a human subjects institutional review board (IRB), this disclaimer likely will be mandatory. Interviewers should encourage people to participate, but never put any type of pressure on them to do so.
Respondents requiring services. Sometimes respondents may reveal the need for additional services. When this happens, instruct interviewers on how to handle this information.
Interviewer bias. Train interviewers to avoid introducing bias. Interviewers may introduce bias by showing empathy or a change in tone of voice. Interviewers are advised not to interview persons they already know. It is important that the interviewers understand that they cannot interpret a question for the service recipient because doing so will introduce bias.
The majority of the interviewer training covers the content of the survey, procedures for conducting the survey, and record keeping.
The survey instrument. The training is a good opportunity to carefully review the survey instrument. This ensures that interviewers are familiar with the survey items and that their questions are answered.
Introductory script. The introductory script establishes contact with the service recipient and ensures that he/she understands the informed consent information in the cover letter. As with the survey items, interviewers are required to read the introductory script verbatim.
Appendix B for a
Script on Establishing Contact.
Answering machine/voice mail protocol. When attempting to reach the respondent, the interviewer may encounter voice mail. Since it is not known whether the respondent is the only person with access to the voice mail, instruct interviewers to avoid leaving any personal service recipient information, including the fact that he/she receives services. Using an agreed-upon voice mail protocol ensures that the interviewers do not reveal any identifying information.
Appendix B for a
Script for Interviewers to Use for Answering Machines or Voice Mail.
Recording and survey tracking materials. Instruct interviewers on how to track the number of respondents contacted and the outcomes of the contacts. There are many options to track this information. One option is to maintain a master logbook with all of the respondent contact information to record all the statuses. Each interviewer is provided with "call sheets" copied from the master logbook that contain the respondents' names and contact information.
Appendix B for a
Caregiver Sample List and Results/Telephone Interviewer Caller Log.
Another option is to issue individual respondent information sheets paired with a notebook for keeping track of which interviewer has the information sheet for each respondent, time of check out and return of the information sheet, and disposition of the attempts to contact the respondents. The advantage of this option is that the information sheets are easily transferred from one interviewer to another.
Appendix B for a
POMP Survey Contact Sheet.
Regardless of which option is selected, interviewers must maintain a log to record each attempt to reach a respondent, including the date and the disposition of the contact. A general guideline is for interviewers to attempt to contact respondents at least five times. When respondents are difficult to reach, instruct interviewers to vary the times of the call attempts. The service recipient may have a standing appointment or activity that takes him/her from home. Schedule calls from 9:00 a.m. to 8:00 p.m.
Survey instructions. Interviewer trainees have different learning styles. While the most important lessons are taught and practiced in training, provide written instructions. When a question arises, it is helpful to refer interviewers to the written instructions on interviewing techniques.
Appendix B for
the Sample Instructions for
POMP Survey Interviewers.
Practice administering the survey. At the end of the training, interviewers are provided with an opportunity to practice the survey administration procedures (introductory script and interview). The trainer should pair interviewers with a senior member of the survey team who is familiar with the survey instrument and procedures. Practicing with a senior member of the survey team provides an opportunity to reinforce good skills and correct any mistakes in a helpful and supportive manner. Another option is to let interviewers practice interviewing each other and listen for strengths and weaknesses. Give feedback individually and discuss any common mistakes with the entire group. A standard practice is to monitor the first few calls made by each interviewer to identify additional training needs.
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The initial mailing includes the following components: an envelope addressed to the recipient, a cover letter, the survey with a cover sheet and instructions, and an agency's self-addressed, stamped return envelope. After the initial mailing, send nonrespondents a reminder card and a second mailing of the survey instrument. If the agency's response rate is still inadequate after sending the reminder postcard and the second mailing, the agency might consider calling nonrespondents to ask them if they are willing to complete the survey over the telephone. The following paragraphs discuss this approach more thoroughly.
Mailing envelope. The size of the mailing envelope should accommodate all materials and include the agency's return address preprinted on the envelope or on a label in the upper left-hand corner. Include any special instructions to the post office regarding special services required such as a change of address or return requests. The recipient address label must be properly placed for postal scanning and sufficient postage must be printed, stamped, or affixed to the envelope.
Cover letter. Similar to the advance notification letter, the cover letter explains the purpose and importance of the survey and encourages participation. In addition, the cover letter explains how the agency plans to use the results. Print the cover letter on agency letterhead and include the agency director's signature. Include a "please return by" date. A due date 10-14 days from the day of the mailing provides service recipients sufficient time to respond. Include a telephone number to call if there are any questions and thank the service recipient in advance for his/her participation.
Appendix B for
the New York State Office on Aging cover letter.
Processing survey returns. Develop a protocol for processing completed survey instruments. Adhering to the protocol ensures that survey instruments are not misplaced and that each service recipient returns only one completed survey instrument. Some of the completed survey instruments may arrive later than the deadline stated on the cover letter. Establish a set of rules regarding what constitutes the closing date for accepting returned surveys. For example, will the closing date be the actual calendar date, the postmarked date, or some specified number of days after the actual calendar date?
Survey instrument with instructions. Include a cover page with instructions on how to complete the survey. Proxy respondent instructions for people authorized to respond on behalf of service recipients are also included on the cover page. The survey instrument itself has instructions for responding to each item or set of items.
Stamped self-addressed envelope. Include a stamped, pre-addressed envelope with sufficient postage for the service recipient to return the completed survey instrument.
Reminder postcard. The reminder postcard should be mailed to nonrespondents approximately 1 week after the initial mailing. The reminder postcard may help increase the response rate. It reminds service recipients of the survey and provides them with a contact number if the original survey instrument did not arrive.
Appendix B for a
Reminder/Thank You Postcard.
Follow-up letter with survey instrument. Mail a follow-up letter with the survey instrument to nonrespondents after the completion deadline. It is important to include a second copy of the survey instrument for those who may have thrown out or misplaced the original survey. Depending on the response rate, an agency may consider sending additional rounds of the follow-up letter with the survey instrument to encourage participation.
Appendix B for a
New York State Office on Aging reminder letter.
Follow-up telephone call. A follow-up telephone call can be made to nonrespondents to give them the option of completing the survey over the telephone. Providing service recipients with another way to participate in the agency's survey may increase the response rate.
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2-Door Sedans and CoupesTalk0
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text:
Welcome to the Agoura High School Junior Stylebook. We hope you find the multitude of resources here helpful.
You should always find an index at the left of every page to help guide you through the material.
Errors, additions, or questions may be reported to AHS English Department Curriculum Lead Lorelei Hollister at [email protected].
Best wishes for a wonderful and productive academic year!


text: LEXINGTON, Ky. (AP) — A Kentucky Bar Association official says the agency is reviewing accusations that an eastern Kentucky disability lawyer collaborated with a former West Virginia judge to improperly award disability benefits to hundreds of applicants. Thomas Glover, chief bar counsel, told the Lexington Herald-Leader (http://bit.ly/17fxEmC) that the agency is "looking at" the allegations against Eric C. Conn, and they could affect his license if proven true. Conn has an office in Stanville, near the West Virginia border. The accusations against him were in a report released Monday by congressional investigators. It accused Conn of scheming with retired administrative law Judge David B. Daugherty to approve more than 1,800 disability cases from 2006 to 2010. Conn declined to answer questions during a Senate hearing, asserting his constitutional right against self-incrimination. Daugherty left the hearing before being called to testify.


text:
2014 Outboard Motor Basics Class
We will be offering one session on Sunday April 6, 2014 from 9am to 5pm. Lunch will be provided. Topics covered in this class
will include:
Theory of operation
2 stroke carbureted
2 stroke fuel injected
4 stroke carbureted
4 stroke fuel injected
Benefits and drawbacks of each
Basic Maintenance for the do it yourselfer
Proper winterization techniques
Water pumps and impellers
Propeller selection and why it is so important
On the water troubleshooting
Tools to bring on your boat
Spare parts to have on you boat
How to check compression
How to change lower unit oil
The cost is $95 per person. If interested, please call Devan at our main number 860-437-0060 to reserve your spot, as space is limited. We hope
to see you there and are confident that you will find this class very
informative. In addition, please let Devan know what kind of boat/motor
you have and we will tailor a portion of the class to address your
particular motor.
Classes are located at our shop, 364 Rope Ferry Road in Waterford, CT 06385


text:
Blue Book® Suggested Retail Value
Fuel Economy (city/hwy)
User Reviews
The community thinks...
Nice car by kim on 07/28/2005. Trim: 2002 Pontiac Grand Prix GT Sedan, Owned less than 1 year.
Pros: nice car, ok acceleration, good braking, great gas mileage
Cons: seats need to be more comfortable. Needs more hp for GT model other than 200 hp, heard that these cars warp rotors, havent had that problem yet, ? get better quality rotors.
Overall review: good car for the price purchased used
Review ID: #475171 Is this review offensive?
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text:
Three Reasons Cash is King
Published on - November 28th, 2008 (by J.D. Roth)
This is a guest post from Danny Kofke, author of How to Survive (and Perhaps Thrive) on a Teacher's Salary.
Times are tough. Many are finding it more difficult to stretch their dollars. I know this first-hand because I am a school teacher, and my wife is a stay-at-home mom with our two young daughters.
Despite earning a modest income, we have managed to own all of our possessions (including two cars!) except our house, set aside a six-month emergency fund, and invest so that we are on track to retire as millionaires. We live a financially secure life on a teacher's salary.
One strategy that has helped us is to use cash to pay for our purchases as much as possible. Here are three reasons I believe that cash is king:
We know where our money is going
I believe that one reason so many people are in financial trouble is that they do not know how much they are spending. It's not the big-ticket items that are hurting most of us, but rather the $10 lunch here and $5 coffee there. These add up over time.
Pulling a set amount of cash out of your account on a weekly basis for your expenses can help eliminate this mindless spending.
We spend less
There are studies that show you will, on average, spend 12-18% more when using a credit card instead of cash. For most people, it's much easier to swipe a card through a machine than to pull out the green stuff.
Using cash causes my wife and me to think twice before making many of our purchases. This leads us to buy only those things that we truly want, since we've paused to consider before opening our wallets.
You can get a great deal
Here's the fun part. Most stores are hurting because people aren't spending as much as they used to. Many are willing to lower their prices if you offer cash when buying their products.
A month ago, a friend told me she was going to an electronics store to buy a television that was listed for approximately $1,000. I told her to walk into the store with $700 in cash and tell the sales associate that she really wanted that particular television but this was all she could spend on it. After some talk, the associate agreed — my friend saved $300.
This approach might not work at all stores, but it doesn't hurt to try.
I know that not everyone will be able or willing to use this approach. But I hope that my examples have shown you that there are advantages to using cash. With the credit markets tightening, I really believe that cash will be king during the next few years.
J.D.'s note: I know that GRS readers are divided between the "cash only" and the "wise use of credit" camps. I believe both have their merits. Though I've elected to join the "wise use of credit" folks, I support those who opt for a cash-only lifestyle. For more on this option, check out my pal NCN at No Credit Needed. Photo by Refracted Moments.
Disclaimer: This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any such company.
This article is about Choices, Credit Cards, Odds and Ends
It definitely is base on a person's personal lifestyle and habits but credit is very lucrative if you know how to utilize it for sure.
Cash is indeed king. It has helped us immensely. Those $5 purchases add up over a month and it's easy to watch the money go right out the window. My wife and I own one car outright and we have a plan for the second. We have paid off our credit cards and we're on a couple of other loans. In the meantime, cash is king. Watching where the money goes is a huge key.
You nailed it. I also teach and so does my wife. Combined we make less than $70,000 per year but we are comfortable financially. Each of us has 13% of our income deducted for retirement and we set aside another $300 for an IRA and about $250 to savings. We put a large addition on our home in the last year and paid cash for all of it, increasing our home equity by nearly $40,000 and we didn't borrow a dime. I recently taught a workshop in my school district on personal finance because too many teachers believe we are underpaid so we can't get ahead financially. I do agree, compared to our professional peers, we are paid less, but that just means we need to spend less until our pay increases. Goes to show you it's not what you make, it's what you spend.
One thing to watch out for if you decide to go from credit cards to cash, is that you will probably get into a cash crunch the first month you try this. Here's why. If you pay your credit cards off every month, you are effectively carrying a 30 day short term loan for whatever your balance is. For us, that's about $2,000 – $3,000 that our family spends on groceries and utilities that we have charged directly to the cards. If we were to convert to cash, We'd have to come up with that $2,000 to $3,000 to make up for the short term loan we had been carrying in addition to anything we wanted to purchase that month as well.
For us, we prefer to charge and pay if off each month. We've already taken a few short vacations with the Marriott points we've earned!
It's a fiscal crime how little teachers are paid. The value a good teacher adds to the life of a child and the child's family is immeasureable (is that a word?). It must be a job choice made out of love for the job – it certainly isn't for the money. I have the utmost respect for the teaching profession.
I know this isn't your current point, but only a tangent–
In your estimation, do you think that the big name big box electronics stores are likely to reduce the sell price in exchange for cash?
Both credit and cash have advantages. I believe it comes down to awareness. If you're being conscious about your spending decisions you'll be able to get ahead. However, if you're walking around wiht your head in the clouds then you're going to find yourself with some debt problems.
Oh wow. I had no idea how little American teachers earn! Here in Ontario, once you've reached your salary cap (after 12 years experience) you can be clearing $80 000 a year.
I wish my teacher friends could see this post. It doesn't matter than they earn a great salary, have fantastic benefits and a pension fund to boot, (not to mention more job security than the rest of us.. ) but they always seem to be complaining about money…
I am a firm believer of cash only, in fact many people think I am crazy. On the 1st of every month I go to the bank machine and take out the exact cash I plan on spending the whole month. I find that it works because by not using plastic I actually think twice about my purchases. You must also possess strong self control inorder to do this because some of my friends have tried but they ended up blowing the cash because they had easy access to it.
I personally have a tougher time handing over cash than I would swiping a card. I used to do things differently a few years when I would purchase an item on credit card and then transfer the funds electronically. Now I am a strich cash man.
@Beth Yea funny you mention that I was just going to ask these people what planet they teach on. I know a few people a bit older than me that just began teaching and the entry level salary is roughly around $40,000. They are looking forward to the salary cap which touches $80,000. Not bad if you asked me.
I agree. Although I still use my debit card for gas and groceries, I only take cash when Christmas shopping or otherwise.
One day I was in Barnes & Noble, where we go sometimes to let our daughter play with the plush toys. We get coffee while we're there and sometimes her dad buys this art magazine he likes to read–it's a good time, and relatively cheap. Anyway, I saw a book some parent had left in the kids' area. It was about personal finance for African-American women, but I like PF books, so I picked it up and flipped through it. Much to my delight I learned about this credit reporting agency.
All this time I thought you had to use credit cards to build your credit score, for the very reason PRBC exists: people usually get no credit whatsoever for paying rent and utilities and similar on time. PRBC aims to change that. They seem to be a big potential help to people who come to this country and they would definitely be a big help to young adults just getting their start in life.
I intend to sign up with them soon; my credit score is in the dismal 500s range. We'll see if they do as much good for my other scores as getting a secured credit card would do. Even if they don't, they have a program where you can qualify to buy a house if you've paid your rent and three other bills on time for a year. You have to sign up for one of three payment services they work with, but I am willing to do that.
I might still get a secured credit card when I can swing it simply because the law treats credit card and debit card purchases differently–credit cards have more legal protection. I want to get a strict hold on my budgeting and spending before I do that, though. And I'd only use it on things I paid off in full every month.
Other than that? Yes, cash is king.
I agree about using cash. We started using the envelope system and have been very successful in keeping to our budget. By taking money out for dining has also kept that part of the budget under control.
I love cash for negotiation. Just recently my mom went to a furniture store and found a leather chair she really liked. It was about $1000 and the guy wouldn't come down. I told her to take $700 in cold hard cash, pull it out and ask if he would have the chair delivered to her house for that amount. At first he seemed unsure, but then he realized that he owned a small furniture store in rural NC (where furniture is plentiful, but people with $ are not)and we're in a recession that has hit that area pretty bad. And this crazy woman has cash! Needless to say Mom spent Thanksgiving in her nice new chair.
My sister also raises and trains horses and she's stocking up on horses now. She's paying about a quarter of what she was for horses 2 years ago (a $1000 horse costs her $250 now). In a year or two when they are trained and the economy has recovered she'll sell them for a very good profit. She always uses cash and she has plenty set aside just for an economy like this.
But like someone mentioned above you'll still need to tend to your credit score if you plan to get a loan for a house. My sister uses cash all the time, both her houses are paid for – so she has a bad credit score cause she never uses credit. The best way to fix that is to have a credit card, use it for something you can't really splurge on, like buying gas, and pay it off monthly.
Interesting. I can see how this would work if you physically stacked up piles of cash allocated to x, y, and z part of your budget and then were careful to spend no more than that amount on each budget item.
It seems like quite a risk, though, to leave that much money laying around the house. Burglars are pretty knowledgeable about where people hide valuables, and so there are precious few places you can put your stash where it won't be found. When my neighbor was burgled, his insurance wouldn't cover the large amount of cash that was stolen, because he couldn't prove he had it in the house and he couldn't prove how much it was. I'd rather have only one object that can be lost or stolen, which has a $50 stop-loss on it: a credit card.
For me, an Excel spreadsheet showing the allocated amounts less the amounts spent over time works just as well or better than a fistful of cash. Guess it all depends on your individual psychology.
I'd rather save $700 by not getting the TV at all. Honestly, whenever I see somebody using cash at the store, I assume they are a drug dealer, involved in the sex industry, or for some reason can't get a bank account due to criminal background or immigration status. The wad of Benjamins makes me feel nauseous, the last time I handled cash I caught horrible bacterial infection. The stuff is so incredibly dirty and nasty and has been everywhere and is never sanitized.
As for spending more, the proof is in the pudding: I have stuck to my debit card based budget for almost three years every single month except one or two. Yeah, walking into a store with $50K in credit card limits on you and sticking to your budget takes a little discipline, but is more than possible and makes you stronger in the end.
Great article, Danny. But, I do agree with you J.D., that neither method of spending is really bad. I'm a "credit" girl (but never have a carry over balance), but many of my close friends only use cash.
I think the most important point is that with conscious spending (really thinking about what we are choosing to spend our money on), we don't necessarily have to worry about spending more money with a credit card. If one is disassociating their credit card with the money in their bank, then, yes, use of that credit card may promote a little more spending. However, when one equates their credit card to their own money/their own savings account, then I believe one can be just as conscious of a spender no matter what method they choose to use at the store payment counter.
Tyler, I'm not an expert, but it doesn't hurt to ask — especially if it's a small business or independent. The reason is that retailers pay a percentage of each purchase to the credit card company, not a flat fee. Whether they let you have a little money off for paying cash or have to pay the equivalent to the credit card company often doesn't make a difference to them. It's money in the customer's pocket rather than the credit card company's.
Which brings me to another point — if you're really looking to support local businesses, cash is better. It costs less for them to make a deposit than it does to pay all those fees when people use their debit or credit card.
I can't help but wonder if using my credit card all the time for the reward points (and paying if off) is driving up prices as a result.
Beth: Teachers' salaries depend on which state you live in in the US. The US average is about 40k but I believe Connecticut and California traditionally have the highest salaries (I don't know if that's starting salary or after so many years of experience).
From what I've heard about Canada, the tax rates are a bit higher anyway so maybe in the end it evens out a bit in terms of take-home pay.
Just some comments…
@frugal bachelor…I use cash exclusively, but I never carry more than I'm willing to risk losing. Plus, I have a system for minimizing my risk: I plan my expenditures ahead of time and run my errands on a specific day each week. My first stop is the bank. By the end of the day, my larder is full, and I'm down to a few twenties, which I split with my spouse to cover contingencies. I guess it's all in your perspective, but it's a hassle-free system for my family.
@Jorge…I remember that month very well. We prepared for the transition by putting money aside for a few months. I remember being very anxious about making the change, but it was worth it in the end. One benefit of being off the credit card cycle is knowing exactly how much money we have to work with at all times.
Beth, I read an article by the small business association in my town that mentioned how much credit card fees hurt local businesses. Although I like using my (rewards) credit card, which I pay off each month, I started using cash/debit card at local businesses as a way to support them. I didn't realize, however, that using debit cards cost local businesses. Going to have to start a strict cash policy when I shop at local businesses if they incur fees when I use my debit card.
Sorry I forgot to clarify that I used credit/debit for big purchases like vacations or electronics, simply because some places do not accept cash. I never walk around with a wad of cash. I just go to the bank on the 1st of the month and pull out x amount and keep in stored safely in my home. When I leave the house I take as much money as I need for the day. If a robber were to break into my house I have bigger problems to worry about than losing a few hundred dollars.
I agree with cash being king but to keep your credit rating up it is necessary to use a credit card once a month for a small purchase to show that you able to service debt.
If you pay with cash you are less likely to hand over the money.
@Anne…Is using a credit card really such a big deal? Here's some food for thought. When we went cash only several years ago, my husband and I each had credit ratings of about 740. As of April when I last checked, mine had risen to 795, and his had risen to 792.
The $1500 in CC strictly-purchase-rebates (no BT arbitrage or bonuses in this #) I've received this year (as a quite moderate spender IMO) begs to differ with the cash-only method, but as has been said ad nauseam (including above I'm sure): if you're not the type who can responsibly handle those CCs, then by all means don't let them exist in your life. But then, be careful of preaching to those of us who do use them to our advantage, lest you be made to look like a fool, or at least the type without the same reasoned center.
First, let me say at the outset that teachers deserve every cent they make and I would not do their job for twice their salaries.
That said, teachers are not poorly paid. Teachers make solid, average salaries for their communities and too often fall back on people's memories of the underpaid, even poorly paid, schoolmarms of old to elicit sympathy.
Case in point: I live free of all debt other than my mortgage and it will be paid off within a year. I manage to have a six-figure savings/retirement account, take several nice vacations a year and an international trip every couple of years.
I buy my cars for cash and pay off all my credit cards every month. In short, I'm doing OK. Not wealthy by any means, but OK.
Now, if I compare my education and years of experience in my field to a similarly-educated local teacher with like experience, according to the public school district's salary schedule, I find something odd.
Because I have 40 years' experience in my field and only a bachelor's degree, it is unlikely there is a teacher here identical to me; they have much more encouragement than I ever did to get advanced degrees.
Nevertheless, the salary schedule takes into account a B.S. and 40 years and comes up with a salary that is 25% HIGHER than mine.
Also, our local teachers pay nothing for their health insurance and all public school teachers in my state have a defined-benefit retirement. Working teachers do not have to contribute to either of those expenses, while I do.
Teachers: earning their money? You bet. Worth what we pay them? Absolutely. Poor? No way.
I usually carry no more than $100 in my wallet, and it goes fast. I find that the final twenty lasts a lot longer the than first eighty.
In the end it is all about discipline. My partner and I pay for everything that we can on credit cards or by debit and we don't have any issues. We use a budgeting software that is based on the envelope concept and we know how much we can spend on what, and when. For us, at least, using cash versus plastic would not make a difference in our spending.
If someone is living beyond their means I could see how cash would help their situation – as it is finite. Or if someone has an issue buying lots of big-ticket items, the hassle of having hundreds of dollars in your wallet would probably stop them.
I'm going to start using cash exclusively just because of Frugal Bachelor's comment. I can only hope people would assume such exciting things about me based on my method of payment.
As far as teachers go there are certainly many who make quite a bit of money for working 10 months out of the year, not including extensive vacations throughout. Two teachers married to each other can make a heck of living and live in conditions much better than the parents of most of their students. That said, I do not wish to generalize.
Like with many professions, the best teachers are underpaid while the worst ones are overpaid. The C students I knew in high school who went into public school teaching earn more per brain cell than anyone I know. Of course they are not the majority of teachers.
As far as cash goes.. In a really extreme emergency, cash is as worthless as credit. Better to have precious metals or even canned goods- something with inherent value that isn't created out of thin air and manipulated by central bankers.
Really, cash isn't any more REAL than credit is.
As a logical business owner I can say with 100% confidence that the cost of accepting credit is well worth it. Cash has transaction and handling costs as do checks ( especially bad ones). Accepting credit comes with a lot of convenience and security. Business owners who complain about credit transaction fees usually have many other problems and just like making excuses and conflict. And those who attempt to add fees for doing so are contract violators and sometimes lawbreakers.
Pete, you raise a good point. We do pay more in taxes here, but I'm not sure if that makes take-home pay comparable. On the other hand, our tax dollars are spent differently — so who knows?
Greg, I'm actually the daughter of former small business owners so I totally agree with your point that credit definitely has advantages. As a consumer, the ability to dispute charges is an extra level of protection I like to have for big purchases.
However, I don't think people really understand how credit cards and debit affect businesses. Correct me if I'm wrong, in addition to the cost of the terminal (and phone lines), debit transactions are a flat fee per use while credit cards are a smaller flat fee plus a percentage (I can't remember if it's two or three?) So by using a credit card instead of debit, the business has to pay more. More operating costs translates to higher costs for consumers, right?
I don't think it's unreasonable as a consumer to ask for a discount if I'm paying cash (or debit). The worst the business can say is "no" — in which case I wouldn't feel guilty using my credit card
Maybe its just me, but when I have cash in my pocket I am just like a 10 year old with his allowance! I feel like I have permission to buy whatever I want because, see I've got the money right here!
And there are lots of times where it would just be totally inconvenient. What if you went to the store to get your weeks groceries and you were like .33 cents short? Do sit there and go through all your stuff to see what you need to put back? What if you really DO need everything? Do you just leave it all there and go hunting out in your car for spare change and waste an hour trying re-shop for everything?
Maybe I'm just a weirdo but I blow through that money much faster when its in my pocket than in the bank with my debit card. Maybe its mostly because my company candy machine doesn't take Visa.
A few people mentioned it, but where would you (the author and/or the commenters) put debit card use in this whole "cash vs. credit" debate?
Maybe there was another debate along the way that I missed, but I don't use my credit card (except for a few small, recurring purchases to keep my oldest account open) and I never carry it with me. If I have it, I'm more likely to use it. So I guess by that standard I fall more on the "cash" side of the debate.
But I don't ever carry cash either. If I have cash in my wallet, like @Rachel (#33) said, I spend it and it's gone in a heart-beat. I've been trying to get in the habit of having an "emergency" $20 stashed in my wallet or purse, in those situations where you just need cash, but I've been finding it hard not to spend it.
I use my debit card. I am a big dork about tracking my money, and I love that I can compare my online banking record to my budgeting software. I have a separate fun money account (with no ability to overdraft, yay!) that also has a debit card, and any non-essential purchase goes on that card.
I guess I'm just wondering why the "method of payment" debate on many personal finance blogs is always split between cash and credit. Are people lumping debit in with credit? With cash? Not considering it at all?
I hate cash. nasty, germ infested bills. yuk. you have to carry lots of it or have lots of it around. if not, then you have to make trip to the atm machine, etc. i hate carrying a big wallet, so i don't like stuffing money into it. i hate the fact things aren't whole dollars, so you get lots of change. what happens, is i collect the change, then i go to those coinstar machines which cost you money. if not, then you have to get the coin rolls and do those and still go back to the bank again. or you have to count out everything at the cash register.
i suspect that if the store accepted $700, they would have accepted $700 regardless of if it were credit or cash.
Come to New York State and teach. Competition is fierce outside of the city, you really have to know someone to get hired but you can start at $32,000; 100% paid health insurance, and a steadfast pension plan.
P.S. Teachers salaries of one suburban Western New York district were published in the paper. One elementary art teacher, with 28 years experience, was making $87,000 – no additional projects or responsibilities.
Of course, the arts are important but in New York State teacher contracts are sweet.
"Times are tough. Many are finding it more difficult to stretch their dollars."
I keep hearing this on these kind of blogs but it doesn't quite make sense to me. It seems like most people would be about where they've been all along except the people who have lost their jobs. Job loss is a big worry and like many have started saving more to have a cash buffer just in case. But if you still have your job how are things tighter than they were?
@Rob…You have an excellent point: in the end, it's all about discipline, regardless of whether you pay with cash or credit. Living below your means is the ultimate goal, and both systems can be utilized effectively to that end.
That said, please don't characterize those of us who use cash as people who can't use credit wisely. My primary reason for using cash is privacy. It minimizes my risk of identity theft, which is well worth the *hassle* of anticipating my family's needs, planning my purchases, visiting the ATM, and doing all my errands on the same day each week.
@Rachel…The short answer is "yes," but after several years of using a price list and prioritizing my grocery purchases, I'm pretty darn good at figuring out how much I will spend.
Interesting stuff!
I put every expense that I possibly can on my AmEx card. And I pay that sucker off every single month.
The result is that I've got boku rewards points that I've used for free upper-class travel to places like FL, CA, and even Africa.
SO there is an upside to credit…
I just recently started using cash mostly – I deposit my check, move some to savings, and pay bills online out of checking. But I pull out about 40-50 a week to blow and 30-40 for gas(I work close to home.) Whatever I have left the following week, I save. It's helped me a lot, completely changed my spending habits for the better!
I noticed in your article you stated "This leads us to buy only those things that we truly want", how about "need", do you truly need most of the items purchased with this thought, evaluating "need" will cut down on wasteful purchases that sit in the closet, cupboard or garage, of which I have many. At this time I am now trying to eliminate this behavior by evaluating "do I really need it, what will happen to it after I purchase it". My savings account is now going up and I find I do not miss having many of the items I thought I wanted. I am also trying to eliminate those items I wasted money on, that I do not use, by finding someone who may actually "need" them, through freecycle.org and such.
I think its funny that people have such an aversion to cash because they think its dirty and germ infested-but don't think twice about using a debit terminal which has probably been handled by hundreds of people and most likely hasn't been cleaned since the first day it was set up. I wonder if they use a hankie to open doors and press elevator buttons too. Don't mean to freak out the germ paranoid but its ALL dirty, people! And don't even ask about the handles of shopping carts or the pump at the gas station.
@Esme: I travel around in a bubble. there's a difference of course between plastic or atm machine surface and cotton paper bills which absorb everything and anything.
I found "The Richest Man in Babylon" has a good concept: You put a minimum of 10% of your salary away before you spend it on anything(including taxes). You then have to get used to using the remaining money sensibly.
I would like to recommend that people read Ellen Brown's "Web of Debt", after reading this book you might have a more informed idea to the underlying structure of money(cash V credit).
I use both cash and my check card, depending on the expense.
Carrying cash is great for me especially for eating out and getting some iems while on vacation. I like haggling with some vendors and I have found cash to be an aid.
For other expenses I use my check card as it's easier for me to keep track in Quicken where I spend my money.
Lots of wonderful tips in the post.
I vowed to have a "cash only" weekend over this holiday during a time that for most people (and for me last year) can take a huge chunk out of the credit card. Today I went to a craft fair with $225 in my wallet and came home with a great haul and $20. Last year I rang up well over $400 on my credit cards there. There are still times when I whip out the plastic, but I am making baby steps toward getting out of the habit.
When I lived in England I used credit cards for all my monthly spending, then paid the balance off each month. Now I'm living in Greece and this is still a mostly cash economy. It's been a bit weird getting used to seeing people getting out huge wads of banknotes, but equally, it's refreshingly weird that there's no-one slinking around by their shoulder wating to steal from them.
We bought a car and the dealer would only accept cash – no checks or credit. And some restaurants won't accept credit cards, so you do need to have some cash with you.
It actually feels right to use cash – its usually quicker and we are much more aware of when we're running low. I hope Greece doesn't catch up with other western countries too quickly!
But we haven't abandoned credit altogether – we have a debit card so we can get at our cash when the banks are closed (or on strike, which is more often than you'd think) and I still use a credit card for some large purchases, but I get stung by the exchange rate from euros to pounds.
If you come to Greece on vacation be warned – bring cash!
I just recently subscribed to your blog and enjoy getting the daily emails. Are you under the Dave Ramsey Philosophy? If not it sounds similar. What a lot of consumers don't realize is that there are large fees charged to the retailers. My family is in the c-store/gas business and we are also a member of the Nat. association of C-stores. Credit Card fees are out of hand and we have people lobbying each day to get these fees decreased. Point being to have the economy come full circle, support your local and small businesses by paying cash. They really appreciate it and statistics show that you will spend less like the article states.
cash is king. bond is queen.
At this point, I'm not sure which camp we are in.
We tried using only cash when we started our Total Money Makeover in Jan. 2007 but quickly found for us that cash was too hard to track. So we mostly use debit (which is almost cash) and we each have an allowance for our discretionary spending and when the allowance is gone we stop spending. We both have credit cards but we don't use them (or carry them) except for travel or large purchases for which we want extra protection. We have tried, and had success, with using cash when we bargain. I agree that if you have x amount in cash you can get stores and service providers to bargain down ward.
I think the main issue regarding credit and overspending, is that people don't realize how much they're spending. It's not very discouraging to hand over the same card over and over again, for every sized purchase. If it was a big wad of cash though, I think many people would think twice.


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Blanche Ely five-time state champion boys' basketball coach Melvin Randall was reinstated on Wednesday night under much less fanfare that followed his shocking dismissal in early June.
An ongoing feud with Ely principal Karlton Johnson resulted in Randall being relieved of his coaching duties.
Yet on Thursday afternoon, Randall said he has put any differences with Johnson and the Ely administration behind him and was ready to take on the challenge of helping the Tigers chase its third consecutive Class 7A state title.
"It is a relief for everyone,'' Randall said. "The support from the community throughout this whole ordeal was tremendous. I look forward to working with administration, the faculty, the community and my staff. It will be another challenging season but we can get through it.
Randall was also informed that assistants Reginald McNair and Morris Grooms, who were released before the 2012-13 season, were allowed to rejoin his staff.
Randall's Hall of Fame credentials is highlighted by a 458-136 career record, 226-79 at Ely and five state titles.
The decision to bring back Randallshould quell a passionate and loyal Tigers' fan base who took to several Pompano Beach Town Hall meetings to voice their opinions.
The Tigers beat Orlando Evans for a wire-to-wire No. 1 ranking in Florida, school-best 27-2 record, No. 9 spot in the ESPN 25 Power rankings and its second invitation to the National High School Tournament.
But issues between Randall and Johnson were brought to the forefront at the FHSAA Class 7A state championship post-game press conference. Randall voiced his displeasure over having to apply more than once for the head coach position and what he felt was an unjust dismissal of McNair and Grooms.
However, it seems that cooler heads have prevailed resulting in Johnson and Randall having a face-to-face meeting on Wednesday in which Randall was reinstated.
"It was a very, very good meeting, " Randall said. "Just clearing some things. We both agreed that we want to put this behind us and move forward. We want to work toward improving Blanche Ely academically and athletically."


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- Jaden Backman
- Hangzhou
- China
This conversation is closed.
What is your thought in a young man and a lady live together before getting married?
Recently,I came across this question,struggling on whether or not choosing living with my girl friend.I need your insights or experiences, to help me out in this trial.
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Jul 24 2013: Hi again Jaden,
When I have doubts about something, I usually do not take action, until I am clear in myself with all information. I believe doubt is often coming from intuition/instinct, and it's important to understand what the doubt is about. It is helpful when a decision like this feels good to both people.
No need for struggle my friend. Take in all the information, from the heart, intuition, instinct, and the logical, reasonable mind/brain. As an insightful young person, weigh the information, and feel good and comfortable about whatever decision you choose:>)
Jul 25 2013: Hi Miss Steen,I've not made the move yet,cause my heart has not given me the kind of decision that I will feel comfortable. That's why I come to TED,collecting suggetions and thoughts,your words might never be a part of my decision,but it helps me expand my understanding,create new perspectives.Eventually,I am the one to make the decision,which is responsible for both me and my girlfriend. Cause I think this action's stake is so high,margin for error is so small.
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As summer heat turns to autumn chill, it's a great time to enjoy the outdoors and contribute to a great cause. El Camino Hospital invites you to participate and join our teams. Your contribution will help our community and by participating you treat yourself to some fun exercise!
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Snooki told Steppin' Out magazine that her Jersey Shore castmates are jealous of her. Snooks bent over and blew a kiss on the cover of Steppin' Out and didn't waste anytime talking a little smack about her Jersey Shore castmates. Amongst other things, she told the magazine that she and The Situation are the breakout stars of the show.
more Snooks after the hop…
She sneers to the magazine:
"Myself, Pauly, Vinny and Jenny [J-Woww], we've all stayed the same," she says in the new issue of Steppin' Out magazine. "We're the closet friends in the house. I trust them with my life…It hasn't gotten to our heads."
But then one second later she says:
"I can understand why the others might be jealous. They aren't doing anything, but they should still be happy for me."
But she's just a small town girl afterall.
"I miss my old life," she sighs. "I miss being able to be around my family and at home. I miss going out with my friends and going out to a bar. I can't do that anymore. When I try to do that, I get attacked by the fans."
It's tough being a big time star, I guess. Are you a fan of Snooki?
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