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Can You Save $1,000 in 30 Days?
Published on - November 2nd, 2008 (by J.D. Roth)
Ramit at I Will Teach You to Be Rich has announced his Save $1,000 in 30 Days Challenge. During the month of November, he's urging people to get off the couch and actually take steps to reduce their spending. Here's what he writes:
Right now, people don't care about proper asset allocation or understanding average stock market returns. The people I've talked to want to know how to save money right now. [...]
Each day in November, I'll post one suggestion to cut your spending. If you spend time each day working on the day's post, the vast majority of you will save over $1,000 each month. Even if you don't, saving $700 is sure better than nothing. I'll post tips for the first 15 days. For the last 15 days, I'll turn to I Will Teach You To Be Rich readers to submit your best frugality tips.
Check out this video introducing the Challenge.
This is an unusual move for Ramit. I Will Teach You to Be Rich — which is a great site — isn't a frugality blog. In fact, Ramit's an outspoken opponent of what he calls "stupid frugality tips" (e.g. use two tablespoons of cocoa powder instead of three). His site usually focuses more on boosting earning potential than cutting costs.
But in this sort of economy, every little bit helps. The "Save $1,000 in 30 Days Challenge" is a great way to stop thinking about frugality and to begin practicing it.
Note: The first tip in the challenge is to pack lunches for the rest of the week. The second tip is to turn your thermostat down three degrees.
This article is about Frugality, Money Hacks
As far as cutting expenses, no, mine have been very low for years. In fact, I would have to move to reduce rent to lower my expenses further, because my discretionary spending + bills is already under $1000/month.
That being said, I generally save several thousand per month anyway.
Ya know, when you already do some of the stuff necessary (kinda like, 'how low can you go' on the limbo bar) this challenge is harder than ever….Time to put on my creativity hat
Btw, hey J.D {wave}… miss posting somedays, but always glad to read your stuff.
This sounds great. I'm in. While I'm somewhat skeptical about actually saving the full $1000, like Ramit said, $700 is better than nothing.
Another thing to keep in mind is maybe to advice readers to save money in % of their income instead of dollars. That will cover lots of income demographics.
Anyway, as I mentioned, I'm definitely in.
Sheesh. Three degrees? Chicken. I turned the AC off in August (I'm in the sweat-drenched south, btw) and haven't turned the heat on yet despite three nights below 32°. And pack a lunch every day? When was the last time I didn't pack a lunch?? C'mon, give me something I can USE!
Saving $1,000 in 30 days would be 110% impossible for me. It would require increasing my income by almost a third, AND reducing my spending to zero.
Maybe if he weren't surrounded by rich people he wouldn't be so classist. The racial comment wasn't necessary, either.
Putting that on the list of sites to never view again…
I'm with Peggy. Maybe I could turn my thermostat down (again), but I always pack lunches! I have a feeling these tips are going to be for those who spend haphazardly, not those who are already attempting to be frugal.
I can predict another tip: something about not buying coffee or not buying lattes or something. Make coffee at home. $3/day savings at least! woo! *sigh*
Yeah… I like his blog in theory but I really hate that he starts from the premise that no one could possibly use the frugality tips posted elsewhere. Blech. I'm torn. If I still lived in downtown DC then, sure, maybe this would speak to me. But I'm happily resettled in Northern Flyover-stan I'm at the point where I've done all the big stuff and enjoy the frugality tips.
That said, I'm sure this will help some people and that's fantastic. But for those of us who are already paying attention and mindfully spending, not so much.
Why am I not surprised not to be the first on this blog to say it:
Ramit's 0 for 2 so far me, too – I always pack lunch and the thermostat is as low as it can go without ice forming in the toilet bowl.
Also, saving $1,000 this month would require not paying my bills – I never have that much disposable income.
Hey… I'm willing to try it. This comes at a perfect time: this very day I made the decision that if (ooohhh puh-leeeze, God) I'm laid off in December I will refrain from even trying to get another job but instead try to live on freelancing and Social Security. This will require a lifestyle change (to put it mildly).
R's alleged disdain for day-to-day frugality doesn't bother me: it takes more than one approach to create a rounded view of life, the universe, & all that. Besides, if he succeeds in teaching his readers to be rich, we shouldn't have to pinch pennies anymore, right?
The first tip will save me $186 – not bad for Day 1. The second tip (thermostat) is irrelevant for me right now, but got me seriously thinking about means and ways to keep warmer this winter without switching on the heating at all.
I actually really like JD's comment even more than the blog post: ways to increase wealth money exist on a continuum. I've never quite liked the frugal vs. non-frugal distinction, but at the heart of it all, we are trying to help people lead financially better lives. But how do you do that?
At the very small scope, we can give you a flood of tips about how to reduce expenditures. Micro-management works, but it is a pain in the ass. I'd love to be able to give people an effort/savings ratio, so they could see what was lowest effort for the highest payoff. Someday I'll have the time to do that.
The next level up is really just bigger lifestyle tips: fuel efficient car, optimized rent and bills, etc. And above that, we start talking about infrastructure. Is your money in the right accounts? Are your accounts high yield?
But even above that, and the thing that I think we also need to be talking about, is actual "life" advice. We need to be helping people get the education that will get them a job that pays a decent salary. We need to motivate people to more than just pinching pennies, but actual lifestyle change.
And there is a whole backend of advocacy that could go along with that. Making sure there are banks that aren't screwing people over. Making sure that tax and other laws are written in a way that actually benefits the bulk of the population, etc.
The thing about PF is that we need all of it. Which I suppose is why I end up reading Ramit and JD and Trent and a bunch of others, plus writing for Thrive's blog and our product. Because, man alive, people really do need help, not just to get rid, but to get by.
Sorry for hijacking, JD: at work too late on a Sunday, talking to users that are struggling to pay the bills.
I'm in! I am also going to try to make an extra $1000 as well as save $1000. I already listed a few things on Ebay and one (shockingly) sold in the first hour!
~The Bargain Shopper Lady
Hey, forget saving $1,000.00 in 30 days. How about make $1,000.00 in 30 days?
Just by packing lunch, making coffee and not buying things I didn't need, I managed to save $1000 during three consecutive months earlier this year.
Lots of exceptions on my case: I am a grad student, don't need to commute because I can see my uni from where I live, no debt, etc etc.
However, after putting enough money together to travel, I don't feel like doing the same anymore. I want to enjoy my life. I read about the Balanced Money and that was something I already was considering to do anyways — I loved to see it written on someone else's words.
BTW, first comment ever, although been reading GRS for six months. Thinking of freelancing/blogging for a year and you, JD, are a great inspiration. Keep up the good work!
I'd have to stop getting massages and drinking caramel macchiatos. that ain't gonna happen.
for the record, I like tips such as using two spoons of cocoa rather than 3. It's all about perspective. My perspective is that tips like these are about conservation of resources, which gives me more satisfaction than having more money to be able to 'afford' to waste more. Reduce, reuse, and recycle! Be happy with less. I like it when you touch on these themes. Reducing consumption builds character, as my dad would say. The richness of your life isn't about the richness of your cocoa.
$1000 is a paycheck. Sometimes financial/frugality sites are out of touch with those who do not make a lot of money.
As the saying goes, 'the devil is in the details.' Frugality starts with paying attention, and sometimes that IS counting 2 tablespoons of cocoa instead of 3. G.
$1000 is over half my net income. somehow i just don't think saving that much is possible for me :S
J.D., I think it's gracious of you to recommend this challenge even though he calls gardening to save money a "retarded" suggestion. He might have good ideas, but I find his style off-putting, if not offensive.
Yeahhh… I'm looking forward to seeing what he has to say (and thanks for letting us know, because I'd never seen his site before), BUT I'm with everyone else who says "what, now? I already do that/better than that!"
I work from home and rarely drive at all, let alone buy lunches out. My husband works a 10 minute drive away, and he'll either come home for lunch or pack a lunch and take it with him.
We have our air/heat off right now because it's so nice (windows open = yay) BUT we live on a military base and our utilities are included in our rent.
Not to mention that (not including BAH which goes straight to our rent) we only bring in about 2300 a month, pay 800/month on our one loan, and are generally quite frugal. Heh.
You probably have to be making over 1,000 a month to save a 1,000 in a month . I'm a very poor student.
Interesting challenge. I don't think I will learn anything new here that I haven't already been doing. Bagged lunch 3 or more times a week? Pfft. Too easy. The challenge I've been working on is making gourmet lunches under $2.50.
It looks like his audience is consumerist yuppies that probably do need to learn a few things about savings. Anything that encourages saver instead of spender habits is a good thing, in my book. I'd like to see Americans embracing savings again.
My lunch is in the fridge. Nothing to pack.
Here's my ultimate frugal tip: don't leave the house.
Thermostat? Well neither my heat or AC are on now. The thermostat is set but it is too hot for the heat to kick on. It would probably help If the weather didn't change from needing to defrost one day and 80 degrees the next. AC has been off awhile. Then when I turn heat on, its 80 degrees the next day.
I like the idea of saving more money and encouraging everyone to practice some frugality in the very least, but his constant use of the word "retarded" is offensive and childish.
Maybe he needs to work on his communication style instead of recycling frugality tips.
Good comments, Matt. I agree.
Interesting challenge. I can tell right now that it's not going to work for me because a) I don't earn enough money, and b) I probably already do most of what's on his list.
So I'm going to use the challenge as a reality check to see how well I'm doing. I'm going to keep track of what I could be spending if I wasn't using these tips. (For example, my first entry today would be $150 saved for packing my own lunch everyday).
I'm curious to see how much I could be spending if I didn't already use frugal tips
I'm in. I'm sort of blown away by the negativity towards his challenge in his comments (and, to an extent, here). So much huffy "I already do that" instead of constructive commentary or (as he asked) estimated savings. Maybe it's because I'm a cynical urbanite too, but I like Ramit's style a lot. There are so many boring nicey-nicey bible quoting american parents of three in the money blogosphere that I can rarely distinguish between them …. the different and unique tone is refreshing. Looking forward to the next 28 tips!
As a Grad Assistant, I only make $1000 a month after taxes!
The first 2 tips *are* frugal… What does he mean by frugality?
It's true that if we're already living 'lean' we need tips more subtle than the current one. What really interests me is combining financial strength and character with our overall character,integrity — and happiness.
Unless I skip on rent, I can't save 1k. I can squeeze a quarter out maybe, $250. I wish our job would do the 4-day work week and not 5. That would cut down on a day worth of expenses.
Where I tend to agree with Ramit is the emphasis on critical thinking. If you haven't sat down with a pencil and paper and analyzed whether renting versus owning is better for you (as an example), rather than blindly following the financial blogger of the the week who says renting is always bad, then you are a fool. I ran my numbers long ago on the cost savings of lunch out versus bagged. If this is something new to people and encourages them to do so, that's a great thing. When he mentions cost cutting for his friends that they won't be able to go out for drinks 4 night a week, this is pretty much the demographic that needs this advice because their make money and burn tactics are causing a sustainability problem. I like that this is 'what you can do right now'. However, I like blogs like GRS for sustainability opinions.
i could save $1000/mo if i lived in my car, maybe.
packing lunches and turning down the thermostat are parts of daily scraping by and making ends meet, i couldn't make the bills and still eat unless i did those already.
I find the comments here interesting. Several people on here have mentioned that Ramit likes to call things "retarded". I find using that term (and others like it) to be counterproductive and indicative of a lack of critical analysis (maybe I'm just an east coast elite). But then someone else just commented that they like Ramit's ability to be analytical. Color me intrigued, I'm going to check it out.
Most of these comments just back up what JD emphasized in his response. The demographic reading these blogs are definately different (if you want to se how much compare JD's story to the "money diaries" that were run on Ramit's site the last month!!!!)
As far as the approach and vocab used, I don't hink it's over the top. Ramit tries to connect with a younger (read: less frugal – no age knock, I'm only 23) audience then the average reader of this site.
As far as not being able to get away with the full $1k, the point is to get away with as much as possible, so just the attempt should be enough. I'll give it a go (especially trying to sell stuff on eBay).
I'm doing something similar this month, but instead I have cast it as a spending crash diet. My family is only allowed to spend $400 this month on everything excluding utilities, like gas and groceries. I wrote about it here:
I've been turning the thermostat down 3 degrees every year. I love to sit in my living room and make "smoke" with my breath.
One tip I rarely see mentioned is to ask your power company if they have a managed payment plan. In this case, they'd average your monthly usage from the previous year and bill you based on that — but it'd be a set amount every month and thusly great for budgeting. We live in the Phoenix, Arizona area, so our summers see a lot of A/C use, sometimes to the tune of $350/mo. On the managed payment plan our monthly bill is around $150; the 6-8 months out of the year where we turn the A/C off (like now) make up for the few months where it's 110F+ outside.
Most frugality tips are useless to already frugal people, and the problem is the tips that will work for them tend to border on the extreme. Last week I was reusing plastic baggies for my lunches and pondering whether I'd crossed the line into crazy (in my defense I was out of baggies and refused to go to the store for more). I brown bag it most every day of the year. In Los Angeles our heating and cooling costs are small and there's nothing to be gained by cutting back. I'm not familiar with this guy's blog, to me frugality is an everyday thing and only loosely associated with saving money. It's also about living more simply, using less resources and sustainability, the money savings are a bonus!
If you break it down by day, it's only $33.33 per day.
I am going to create a recurring transfer with my bank account every day for $33.33 to go from my spending account to my savings.
I don't use plastic sandwich bags for my lunches anymore. I bought small sandwich sized containers that I wash and reuse every day. I also bought a couple of fantastic compartmentalized Tuperware containers that I use for 2-course leftovers-for-lunch. The Tuperware containers were not cheap, but I bought them like 8 years ago – they have more than paid for themselves.
I agree that people need to try saving, or quit complaining about being broke. I will be impressed if he succeeds. Good luck!!!
Don't know if you'll make 1,000 but I've started doing this and made $24.98 in a month. Maybe I'll make an extra $1,000 in a year. I take the amount of my coupons and any savings my supermarket gives for using my customer card and I transfer that amount into my savings account. I'm not charged for the transfer so .50 here $1 there; it'll add up.
After all it's not a savings if I spend the amount somewhere else.
Ohh this challenge sounds like fun. I'm going to try
So since I spend less than a thousand dollars a month, does this mean that I'll actually be earning money if I follow his advice?
Seriously. I haven't got the heat turned on yet, pack lunches every day, and have nothing to sell. This kind of advice makes me imagine that richer people live lives of total madness, flinging money around like kleenex.
Well, he may be obnoxious, but at least he's offensive.
Line me up with the "don't have that much disposable income in a month" folks, and I'll take a heaping helping of "he can take his racist attitude and stick it sideways". Is he always that patronizing? Or was it something special to attract new readers?
It sure didn't work for me.
I agree with La BellaDonna.
In his comments, he points out that he isn't trying to post universally useful tips, but rather tips that he himself would use. Why, then, can he not respect that other people might find gardening tips useful as opposed to retarded?
The thing is, I used to read his blog, and while I didn't always find his writing enjoyable, I found it thought-provoking. Now I just feel he doesn't respect those of us who use different methods than he does.
Unfortunately, he lost me at #4. I'm not going to spam my friends with his promotional material. Maybe betting your friends to save a certain amount of money sounds like a "cool" thing to do for some people, but many of my friends are just trying to make ends meet.
And he thinks that telling everyone about his challenge is going to save $100 – $500 dollars? Come on!


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eBay: Better Than The Best
Rahul is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
With Thanksgiving coming, investors are keeping a close view on retail and ecommerce stocks. With shopping generally consisting of two steps- buying and paying, eBay (NASDAQ: EBAY) offers a complete solution for an investor's Thanksgiving needs with its two branches- Marketplace and Payments. eBay is bound to see action even if one purchases at Overstock (NASDAQ: OSTK) as the mode of Payment used could be PayPal. Furthermore, with eBay working on its mobile apps for Thanksgiving, I believe that eBay can gain a lot of traction this holiday season and hence rate it as a buy.
State Of Competition Between the Giants
With Amazon (NASDAQ: AMZN) and Overstock as its competitors in the marketplace and Visa and MasterCard as its competitors in the Payment segment, eBay understandably faces a lot of competition. But what puzzles me most is the fact that eBay is being treated as an unwanted child. Even with its excellent performance the Street has always remained skeptical. While its main marketplace competitor, Amazon, trades at sky-high PE multiple despite not so good earnings, eBay trades at a multiple not even 1/100th of Amazon in spite of good FCF, excellent YoY revenue growth, and good operating margins. The Street seems impervious to the fact that Amazon reported EPS of negative $0.60 and revenue growth of 27% YoY missed the estimates. On the other hand it accentuated the positives as it focused on the fact that Amazon made lesser losses than predicted (Q3 operating loss of $28 million was less than estimated losses of -$42.1 million) with the shares of Amazon rising ~7% following the earnings report.
Overstock shares have rocketed as the company has announced its first profitable quarter on 25 October but it still feels heavily priced and much more risky when compared to eBay which has better operating margins and a more recognizable brand name.
Something similar is the case in the payment sector too. eBay has a low PE ratio of 16.3x when compared to both Visa and MasterCard having a PE of 45.2x and 27.3x respectively. While MasterCard operates on higher operating margins than eBay, it trades at twice of eBay's PE multiple. Of notice is also the fact that eBay has generated much higher YTD returns of 57.37% when compared to 40.78% for Visa and 24.63% for MasterCard.
A Host of Catalysts:
1)Partnership with ParkMobile: After eBay announced its partnership with Discover in august, which will bring PayPal to more than 7 million offline merchants across the US to eBay, it has struck a deal with ParkMobile, a leading provider of mobile payment solutions to municipalities and parking providers in 350 cities with millions of registered users. According to the agreement PayPal will be launched as the official payment option for ParkMobile in 20 cities across the U.S in the first phase to make mobile payments easier. I believe that Paypal will gain market share and momentum as the deal will be rolled out across whole of ParkMobile's base.
2)The Mobile Opportunity: As the company is monetizing the same on the mobile as on the web according to a statement by eBay's CEO John Donahoe, I believe that eBay has overcome one of the most famous threats for the internet based companies. Apart from that John also announced that eBay is currently working with Macy's to make an app which will get the thanksgiving shopping on the fingertips of mobile shoppers. With mobile becoming a choice mode for going online, I believe that eBay can create lots of such opportunities which can generate awareness and help the business in the long run.
3)Ecommerce in Europe: With E-commerce growth rates across Europe continue to be in their high teens with U.K. at 15%, Germany at 14% and Italy and Spain at 20%, eBay is well positioned to take advantage as European customers look to stretch their euro.
A Look at the Financials:
Source: Company Earnings reports
Free Cash Flow
The company generated $792 million of free cash flow in 3Q12 which sent the net cash holding with the company to a total of $10.8 billion. The FCF increased 92% over the adjacent quarter and 51% over the same quarter last year. Also to note is that FCF as a percentage of revenue was recorded at 23%, highest in the last 7 quarters. eBay also raised its guidance for year 2012 as it increased its Non-GAAP EPS guidance from $2.28-$2.33 to $2.32 - $2.35.
The Bottom Line
eBay is a relatively defensive play on eCommerce and payments business with a fairly attractive valuation multiple. I believe that eBay would continue to gain traction in its core Marketplace business, while the PayPal segment will continue to gain share both online and offline with the multiple agreements and deals eBay is seeing. eBay can generate much higher returns than its global peers with its multiple catalysts and likelihood for increased share repurchases with its strong financials.
TheMoodyAnalyst has no positions in the stocks mentioned above. The Motley Fool owns shares of Amazon.com and MasterCard. Motley Fool newsletter services recommend Amazon.com, eBay, Overstock.com, and Visa. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.If you have questions about this post or the Fool's blog network, click here for information.


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Edited by Donald L. Nathanson. New York, W.W. Norton & Co., 1996, 448 pp., $45.00.
The chapters in this edited book are written by experts in specific therapeutic techniques whose goal is to provide insights into human diversity based on the Tomkins-Nathanson theory of affects. The book contains an adjuration for therapists to focus on the patient's affect, and there is continuous reference to the theory supporting this.
Is affect really neglected by most therapists who have not been indoctrinated in affect theory? Do they focus mostly on the patients' thoughts rather than feelings? I don't think so. Most therapists I know are very interested in the affective component of the therapeutic dialogue. The editor states that there has been a rapid evolution in the clinical application of the affect theory of Silvan Tomkins (1–4). The reader is further informed that the attention paid to this "rigorous,…complex and demanding theoretical system" is in itself remarkable, and many clinicians have made the journey to enlightenment since the theory was first published. Such understanding of affect theory is presented as essential for those of us who uncomfortably survey our own therapeutic failures. In an informal survey I made of 12 psychiatric friends, however, I found only one colleague (a polymath) who knew about Tomkins' work.
I could not find any beginning in this book to lead me to understanding Tomkins' work. The first chapter, "About Emotion," states that Tomkins disengaged emotion and cognition (I assumed only conceptually; emotion is in mutual embrace with cognition). The chapter author stumbles on some neurophysiology (a statement that the objects in the visual field miniaturized on the retina are transported as images to various areas of the brain, not a common metaphor). Also, perhaps to make Tomkins' argument easier for the reader, the author discusses human motivation as guided by affect through the tangle of information bombarding the organism—a view held more or less by most mental health professionals I know. My difficulty is not with Tomkins; rather, my problem is with this book, which I hoped would explain Tomkins to me.
I understand that the theory has some neurophysiological base, but I could not find much in the way of explanation of that basis. The Tomkins theory is continuously celebrated as opposed to cognition, and affect, aside from being "responsible for all motivation," is characterized as making "good things better and bad things worse." I understand that in the simplest terms—but that does not qualify as a rigorous definition. Are "bad" versus "good" judgments not dependent on judgments derived from an affective/cognitive state? There are other such confusing boggles. The affect versus cognition battle is iterated often and is confusing—who set up that warring dichotomy anyway? I could not find any basic explanation of affect theory, no starting point in the journey toward the promised change of view. "Script" theory appears as part of the book's title, but the one chapter devoted to the subject is a glossary written by Donald S. Mosher. I found the pages of definitions numbing; not much emerged that gave me an idea of script theory.
Of course I was interested in a theory that promised to illuminate my darkness. I had assumed that I knew what affect is (I use the word synonymously with feeling or emotion), but I was ready to learn, ready for the promised "rigorousness" and the "demanding quality" of the theory. I found myself irritated, not with a theory that challenged previous assumptions, but at this book, promised as a guide but withholding what I needed. I worked at it, thinking the explanation had escaped me during a moment of inattention during an eye blink or yawn.
The final half of the book has a bit more of the bare beginning of information on this theory but nothing to hang your hat on—there is more encouragement to pay attention to affect, but no system is elaborated that is usable. Donald Nathanson finishes the book with a chapter, "Some Closing Thoughts," which again lauds Tomkins' theoretical contribution but does little to explicate it.
Perhaps the editor could not tame his authors (the writing is often repetitive; the theme does not advance). This could be a book for those who already know affect theory, or perhaps there is the assumption that all of us know it. Readers should be encouraged to try for themselves—my lack of understanding could stem from my own deficit. It took frustrating effort for me to try to find the book's center, and I failed to find any coherent explanation of the theory needed by the uninitiated.
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For your Weekend reading enjoyment, I have highlighted some of the most popular articles from the past month, which were posted on this site.
Saturday, October 15, 2011
Best Dividend Articles as of Mid-October 2011
Posted by D at 1:00 AM
Labels: weekly reading
10 comments:
How about writing strategies on how you can safely use options with dividend growth stocks? Just an idea on something that I would like to learn more about. thanks.ReplyDelete
- AnonymousOctober 15, 2011 at 11:30 AM
2 Topics come to mind-ReplyDelete
A while ago you mentioned extrapolating the stock price of JNJ in 2020. I think it might be fun to see you try to do that and what process you might take? I can understand if you would want to avoid such speculation, however.
Also it might be nice to hear your goals? Several years ago you stated early retirement and perhaps moving out of the country. How do you feel about that now?
I am just grateful for your continued output and really appreciate what you have to say generally. Even just repeating the same themes over and over again would be quite useful, at least for me, because often human nature is such that we need to be consistently reminded of basic, common sense tenets and truisms. This also applies to investing which is often emotional.
Historical returns are also useful.
Actually here is a good one. PG has paid dividends since 1891, yes? So, what did the dividend stream look like before 1957? Why were there fluctuations or cuts, how extreme were the cuts? What did a dividend growth investor's income stream look like from 1920-1955? Perhaps using such names as IBM, CL, PG, KO. That would be fascinating.
I would like to know if it is a good idea to invest in dividend paying companies through ETFs, what are the pros and cons and which ETFs would you recommend.ReplyDelete
This is a nice list of articles. I found your blog through Dividend Mantra. I hope to retire one day and live off my dividends. Good luck and I will continue to read your blog...ReplyDelete
Income Pirate
- AnonymousOctober 16, 2011 at 10:27 AM
I SEE THAT YOU DON'T USUALLY (OR EVER) RECOMMEND ENERGY TRUST OR ROYALTY TRUSTS OR REITS..... WHY?ReplyDelete
Some of the topics you asked for have already been covered before. You can look for them by going through the archives. In addition, there is a search term at the top left of the site.
I have written about options before. I am not a fan of using options.
Start with this article and follow the links inside:
First Anon,
My goals are to generate enough in dividend income in order to meet my expenses. I am still targeting early retirement and potentially moving out of the country. However, However I think that I would need a higher amount than the initially required $200K. Anyways, I should be able to generate enough in dividends by 2014 -2015 to meet expenses. The original plan from 2008 was to reach this goal in 6 - 7 years, so I am on schedule.
I am not sure about extrapolating JNJ till 2020 however..
You can search for dividend etfs on the top right box on this site.
Here is one of the many articles I have written about ETFs:
Follow the links inside the article to other articles about ETFs.
Last Anonymous,
I am not a fan of royalty trusts, because they have depletable resource bases. That means that they have the odds stacked against them in generating enough in income to pay increasing dividends each year. Quite on the contrary, most trusts pay decreasing dividends.
- AnonymousOctober 16, 2011 at 7:26 PM
Any thoughts about Kinder Morgan buying El Paso?ReplyDelete
While the US market has been performing remarkably well during this recession, don't you think you are over exposing yourself to it?ReplyDelete
Joking aside we have learnt very little and this year are going to spend nearly twice as much money as we earned.
For an average household this would be a disastrous results...
I am a great believer in the free market, but what such expenses vs. earnings are mind boggling.
I would be really interested in getting your take on m-Reits.ReplyDelete
Even the ones investing in guaranteed mortgages are sporting huge yields, that somehow seem to reach beyond the implied risks of these vehicles - which mainly seems to be short-term interest rates, mortgage redemptions and potential policy changes.
Do you see them as worthy of being part of a dividend investor's portfolio?
- AnonymousOctober 20, 2011 at 10:28 AM
When looking at stocks that you analyze, how do you know when the price is right to enter?ReplyDelete
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LAKE WORTH – Dan Spitz, the virtuoso rock guitarist of the heavy metal band Anthrax, was arrested early on Christmas morning at his house in Lake Worth on suspicion of domestic violence.
Spitz, 50, was nabbed by Palm Beach County Sheriff's deputies and booked into the county jail about 5 a.m. after a drunken fight with his wife and manager, Candi.
Spitz, who played with Anthrax from 1983 to 1995 then during the 2007 reunion tour, was released on his own recognizance yesterday afternoon.
Read more at gossipextra.com


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2011-01-26 / Events & Calendar
St. Rose Heart-To-Heart school auction Jan. 29
St. Rose Lima will hold its Annual Heart-to-Heart School Auction, Sat., Jan. 29, 7 p.m. The new location for the auction is the Seaford Knights of Columbus Memorare Catering Hall, 2183 Jackson Ave., Seaford The evening will include a full bar and buffet.
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Aloe Barbadensis (Aloe Leaf Extract)*, Helianthus Annuus (Sunflower Oil)*, Decyl Glucoside, Cetearyl Glucoside, Cetearyl Stearate, Cassava (Tapioca Root Starch), Glycerin, Vanilla Planifolia (Vanilla Oil), Butyrospermum Parkii (Shea Butter), Simmondsia Chinensis (Jojoba Oil)*, Glycine Soja (Soybean Oil)*, Caprylic Acid, Xanthan Gum, Citrus Tangerina (Tangerine Oil), Lavandula Angustifola (Lavender Flower Extract)*, Zingiber Officinale (Ginger Root Extract)*, Citrus Aurantium Dulcis (Orange Flower Extract)*, Rheum Palmatum (Rhubarb Root Extract)*, Theobroma Cacao (Cocoa Butter)*, Tocopherol, Glycine, Lecithin, Sorbitol, Calcium Ascorbate, Potassium Sorbate
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As training camps roll on and players fight through the heat and humidity of two-a-days, we take a look at how a couple of teams beat the heat back in the day. TAPE: SP-482 DATE: 8-31-85 SLUG: JACKETS AT WHITE WATER TIMECODE: 1:50The first video is of the 1985 Georgia Tech Yellow Jackets. In order to give his players a break between camp and the regular season, coach Bill Curry took the Jackets to White Water. There is a great shot of Curry soaking in the sun, and another of some of the players in the water.Current Georgia Tech defensive coordinator Ted Roof, then a senior, played linebacker for the Ramblin' Wreck that year. He was also co-captain, and would go on to earn first team All-ACC honors. This year, Roof is back for a second stint as the defensive coordinator for Tech. Wonder if he'll let his boys out for a little fun before their August 31st showdown with Elon?TAPE: SP-318 DATE: 8-29-90 SLUG: UGA WATERMELON DAY TIMECODE: 20:00The second video is the Georgia Bulldogs annual tradition of celebrating the end of camp, the watermelon cuttin'. Ray Goff's 1990 squad celebrated.the same way Mark Richt's 2013 edition will on Saturday. The star of the Bulldog video is running back Garrison Hearst. The Lincolnton native digs right in and according to his sound bite the sweet treat hits the spot.
35 Skyline DriveLake Mary, FL 32746
Phone: (407) 644-3535News Tips: (866) 55-FOX35


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East Bay Preventive Medicine Doctors
The following East Bay current list of Sutter Health Preventive Medicine Doctors are affiliated with the Sutter Health network. You can filter by city, gender and more to find doctors near you.
Doctors 1 - 1 of 1
Robert D. Tufft, M.D.2930 McClure Street #1
Oakland, CA 94609
(510) 444-2155
Specializing inGeriatric Medicine
Accepting new patients
Internal Medicine
Accepting new patients
Preventive Medicine
Not Accepting new patients
Undersea and hyperbaric medicine
Doctors 1 - 1 of 1


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KENT, Wash. - A long spell of warm, hot weather has put a smile on the faces of Western Washington pumpkin growers.
Pumpkins and other squash thrive in those weather conditions and growers are celebrating a ripe and ready crop of big, orange pumpkins ready for Halloween decorations.
"It's been a good pumpkin year," said Michael Carpinito of The Carpinito Brothers Inc., a Kent company that specializes in local produce.
They a have a you-pick-'em farm with a corn maze and hayrides in Kent and so far this season it has been packed.
"We're gong to get swamped," said Carpinito, when asked how the Halloween sales are shaping up.
It was a different story two years ago, when early rains left the fields filled with mud and under-ripe green pumpkins.


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SCANDAL- "Blown Away" - Huck demonstrates how dangerous he can be when Harrison refuses to let him leave the office to find Becky.
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This Hawaiian inspired sandwich from Emeril's Tchoup Chop is made by dry seasoning the pork shoulder, adding liquid smoke, and braising long and slow in the oven. Don't be intimidated by all the different components, they can all be made ahead of time or while the pork is braising.
Extra virgin olive oils, balsamic vinegars, and pastas, lots to choose from.
Catch Emeril as he travels throughout Florida. Thursdays at 9:30 AM ET


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Only a few more hours left until Bears vs Packers! With the NFL going to a Thursday Night game every week, it has made it difficult for players that get injured on Sunday to make into Thursday nights game. Case in point Greg Jennings, if he's on your roster he's more than likely your best fantasy receiver, is listed as doubtful and unlikely to play even though reports say he wants to play. If you have Jennings on your team what do you do? If you have capable back ups you obviously start them, but if you don't it could be a decision between Randall Cobb and James Jones off the waiver wire.
Almost every fantasy expert is saying to pick up Cobb for Jennings, but I say pick up Jones. Jones is the true backup WR that has the potential to have a big game if he doesn't start getting a case of the drops. If your league has return yardage in it then Cobb is the right choice. Now on to tonight's players, and don't forget to set your lineup!
Jay Cutler- He's very start able tonight especially after Alex Smith put up over 250 yards and 2 TD's Sunday. Cutler has done a lot of talking this week, hopefully he can back it up like the last and only Bears QB to win a Super Bowl could.
Matt Forte- He hasn't fared to well in Lambeau but this is a new offense going up against a much weaker defense. You drafted him to be a star so put him in your lineup.
Brandon Marshall- The stat everyone is talking about is Marshall's 10 for 130 yard performance as a Dolphin in Lambeau… I'll take that or something close to it. Must Start
Alshon Jeffery, Earl Bennett- Unless your incredibly thin these guys are still sitting on your bench this week
Bears D- Look for other options if they are available. Hester does have some big returns in Lambeau field though.
Green Bay
Aaron Rodgers- Must start any league any format any week.
Cedric Benson- Tossup! Green Bay doesn't run the ball well and the Bears defend it well, but Benson scorched the Bears last time they played in Cincy. If you have other options I would lean that way
Greg Jennings- Bench
Jordy Nelson- Tale of two games last season. First meeting 3-40 2nd meeting 6-115 2TDs He probably ends up somewhere in the middle so I would start him.
Jermichael Finley- He destroys the Bears. He is a start tonight if he's on your roster
James Jones/ Randall Cobb- They only get started if you are out of options
Basically it's green light for most players tonight as this should not be a boring defensive battle, but could be decided on which offense has the ball last in the fourth quarter!
Other Fantasy Games
- Avoid this game in survivor league.
- Confidence leagues I have the Bears winning, and it would go under tossup game 1-3 confidence points
Good Luck in your leagues and hopefully we are celebrating a Bears victory tonight!!!
Tags: Brandon Marshall Chicago Bears Fantasy Football Jay Cutler


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41 U.S. Code § 6510 - Manufacturers and regular dealers
(a) Prescribing Standards.— The Secretary may prescribe, in regulations, standards for determining whether a contractor is a manufacturer or regular dealer with respect to materials, supplies, articles, or equipment to be manufactured or furnished under, or used in the performance of, a contract entered into by an agency of the United States.
Source(Pub. L. 111–350, § 3,Jan. 4, 2011, 124 Stat. 3811.)
|Revised Section
|Source (U.S. Code)
|Source (Statutes at Large)
|June 30, 1936, ch. 881, § 11, as added Pub. L. 103–355, title VII, § 7201(4), Oct. 13, 1994, 108 Stat. 3378; Pub. L. 104–106, div. D, title XLIII, § 4321(f)(1)(A), Feb. 10, 1996, 110 Stat. 675.
In subsection (a), the words "an agency of the United States" are substituted for "any executive department, independent establishment, or other agency or instrumentality of the United States, or by the District of Columbia, or by any corporation all the stock of which is beneficially owned by the United States" because of the definition in section 6501 of the revised title.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
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Narrow your search
Though it has last year's specs, the PadFone X marries two mobile devices into one convenient form at an affordable price.
Price-conscious users will dig the LG Expression 2's competitively low price, but AT&T has other feature phone alternatives that are worth the extra dough.
The Vybe is a competitively priced device that'll please messaging enthusiasts and smartphone neophytes who don't want high-end features.
For $679, you can get the Microsoft Windows RT 8.1 slate with 64GB and the perk of high-speed data on-the-go.
CNET checks out Asus' high-performing phone-plus-tablet combo, which will make its way to the US though AT&T.
First-time smartphone buyers get a lot for a little with Samsung's year-old Galaxy S3 Mini, but keep in mind that this is no high-end performer.
In addition to selling an inexpensive Windows Phone worldwide, Nokia's latest affordable smartphone will come to a U.S. carrier.
Though it lacks a stylus, the Optimus G Pro is not only armed with high-end specs, but it's also still cheaper than the Samsung Galaxy Note 2 -- making it the best AT&T phablet available now.
With its reasonable $100 price tag, AT&T's Galaxy Express' solid performance and respectable specs are a good deal -- but pass it up if you want a more powerful camera.
With its speedy innards, LTE data speeds, and stunning screen, the LG Optimus G is one of LG's best handsets so far, but it can't escape its weak battery and camera.


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By rrahman
via blog.dblevins.com
Published: Mar 28 2013 / 16:53
InfoWorld recently published an article on TomEE. While most of the content of the article was useful, it got infused with some rather dubious views on Java EE from the InfoWorld writer. David Blevins offers his comments on the article.
Add your comment
rrahman replied ago:
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I think this thread offers further interesting insights into the article author: http://www.dzone.com/links/how_to_teach_a_java_ee_app_new_nosql_tricks.html . Reza Rahman | Java EE/GlassFish Evangelist. All views voiced are my own, not necessarily Oracle's.


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Page 107 - Manasquan Apartments for Rent(show city information)
Apartment Finder is the ultimate tool for searching for apartments for rent in the Manasquan, NJ area. With map-based searching, you'll find just what you are looking for in minutes. You can customize your search many ways and your results will be refreshed in a flash. Browse apartment communities in real time, with photos, floor plans, and more! Your search for Manasquan, NJ apartments is over. The Apartment Finder features include faceted browsing, map-based search, and search results by neighborhood, county, university campus, military base and more. If you are seeking a Manasquan, NJ apartment for rent, you have come to the right place.


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Lyme group to meet Thursday in Pequot Lakes
Lyme group to meet Thursday in Pequot Lakes
The Brainerd Lakes Chapter Minnesota Lyme Association will hold its monthly meeting at 6 p.m. Thursday, Aug. 8 at the Trailside Center on County Road 112 in Pequot Lakes.
Featured speakers will be Julie Blanchard and Kathryn Pietz, who will present the benefits of the Wellness Pro, a bioelectrical frequency generator that is FDA approved to treat pain associated with Lyme disease as well as the related co-infections.
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Low minimum heat transfers for uniform and
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- Sam Ash Gift Guides
- Hot Deals
- Guitars
- Bass
- Accessories
- Live Sound
- Keyboards
- Microphones & Wireless
- Recording
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- Books/DVDs
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To automatically re-order this item before you run out, select the recurring order option during checkout.
Responsive and easy to control! Excellent for symphonic and chamber music.The 5RV Lyre is more open than the 5RV with a longer facing. Made from hard rubber, it has a 1.09+mm tip opening and medium facing length. Features the Profile 88 in which the beak has a steeper angle than traditional models. Musicians can choose the model that suits their needs best in terms of playing position and comfort, sound projection, and articulation control.
|5RV Lyre Profile 88 Clarinet Mouthpiece


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Post-2015 Development Orientation and Briefing Programme III Geneva
Specific Target Audience:
Duration of event:
Programme area:
Event focal point email:
Other events details:
The registration is closed
Deadline for registration: 14 May 2014
Given the complexity and number of processes that will contribute to the development of the Post-2015 Development Agenda, United Nations Institute for Training and Research (UNITAR) is organizing a series of interactive technical briefings for members of delegations, other government officials and a limited number of international civil servants at the Palais des Nations in Geneva. The overall objective of the briefings is to strengthen knowledge for evidence-based decision making in the formulation of the Post-2015 Development Agenda to be agreed by Member States in September 2015.
Event Objectives
The series will feature around 10 different sessions, and will
- Assist participants to access the most up-to-date and essential information coming from the numerous processes that will contribute to the Post-2015 agenda, and key outcomes of ongoing Member States' discussions in various fora, as well as allowing newly arrived delegates to 'catch up';
- Provide a dynamic and interactive space where delegates can exchange views on the Post-2015 development agenda and have a more in-depth discussion, as needed.
The briefings will be facilitated by prominent experts and involve peer-to-peer learning and active involvement of members of delegations. An online resource platform will also be available to support the learning experience.
Learning Objectives
Briefing 3 "Social Inclusion"
Targeted Audience
Members of Delegations and other government representatives at the United Nations who would like to improve their knowledge of and access to the most-up-to-date information of the intergovernmental process. A number of seats will be available for international civil servants to participate as observers provided they have received a confirmation of registration.
Additional Information
Date and Time: Wednesday, 12 May 2014, 10:00 - 12:30 and 15:00 - 18:00
Venue: Room XXIV, Palais des Nations, Geneva, Switzerland
The event is free and open to the delegates to the United Nations. Prior online registration is required.
For more information: www.unitar.org/post2015briefing
- Upcoming Events
- Closing soon
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- Environment
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- Satellite Imagery and Analysis
- Other
- About UNITAR Events
Registration Mode
- Public - by registration
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Mode of Delivery
- Face-to-Face
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- Blended
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- Arabic
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- English
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South Korea Map
This great custom product in white from our department Accessories and Mug category can be printed just for you in the size and style you like. The design South Korea Map was created by FluffyLikeRazors and uploaded to Spreadshirt for you to have printed on a Mug. Next to a host of other great customized designs, you can find this South Korea Map design in Spreadshirt's Countries & Flags category. If you are interested in topics like City or Conflict, then you'll love South Korea Map designs by FluffyLikeRazors. Spreadshirt also offers a huge selection of custom t-shirts, hoodies and accessories for the category Countries & Flags as well as top Dictator clothing. FluffyLikeRazors's designs have already impressed many of our customers, so we are sure that we've got right stuff for you! Spreadshirt is your destination for great designs of all kinds – whether it's City, Conflict or Dictator. We are sure that you will find something nice in our shop, there are many amazing custom Countries & Flags t-shirts, hoodies, or accessories for you to find!Tags: Design ID: 11928971
Come check out www.fluffylikerazors.co.uk ***** Stylish and iconic designs ***** customise or buy ready made at Fluffy Like Razors *****
*Model *-* Mari Rytkonen* *Designer *-* Stefanina Hill* *Photographer *-* Anna Batani* *Web Design *-* Nightfire Digital*
sunglasses_mustache3 Other Designed by surreal197
love to train Designed by skill11
Wicked strong Designed by 3087565
The Official Save the Ta-tas® Logo Other Designed by SAVETHETATAS
A mustache with a gift ribbon Other Designed by namo
Two owls Other Designed by SumuLee
Sloth Love Hug iPhone 4/4S Case Designed by carlhuber
segelschiff_o_3c Bags Designed by Judith-M83
This simple white mug has a large handle and is approximately 4" tall and 3.3" wide. Great for a unique gift or for corporate branding. 11oz.
still to fill


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Webcam Puerto Morelos, Mexico: Now Sapphire Riviera Cancun
(A live view of the current weather at Puerto Morelos)
Hotels in the region of Puerto Morelos
A small selection of hotels nearby:
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We have collected links to more than 10.000 webcams from all around the world, not only for Puerto Morelos or Mexico.
So you can enjoy live-images from almost every place on earth with our webcam directory.


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Got this for a niece who loves to play dress up. She loved it!!! The fit was very true to size. Packaging was substandard; hanging bag that was split on one side.
I bought this for my 2 year old granddaughter's dress-up closet and am delighted with how fancy it is...she will be, too.
My granddaughter fell in love when she put this costume on. Her eyes just lit up she was so excited about the hat and hoop. The colors are crisp and bright. The fabric is of good quality.
I gave this dress to my niece. She was so happy and wore all day long when she opened!! She is skinny 8 yeas old, and I bought the size 8-10. It was big for her, but she is still happy because she can wear it for a few years! Now she wears it sometimes when she wants to be a noble lady! It was a great buy!
We bought this dress for our grand daughter she loves it she wore it to a party and now wears it as dress up time this was the best purchase. We will be telling others about Overstock.com
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Physical Development Milestones
Because you can actually see Baby's physical abilities change from month to month, it's one of his most fascinating areas of development. Here are kids' motor milestones in the first year.
Opens and shuts his hands.
At first it's just a reflex that Baby will clench his fingers around anything that touches his palm. But by then end of month three, according to the American Academy of Family Physicians, your child may be able to deliberately open and close his fists.
Capture your own baby's milestones with this interactive milestone checklist.
Raises his head and chest while lying on his stomach.
At birth, babies demonstrate the righting reflex: When placed on their tummies, they'll lift their heads to clear their noses and mouths for breathing. Later, they develop greater neck and upper-body strength to raise their chests as well.
Stretches her legs out and kicks when lying on stomach or back.
Watch Baby move! This stretch may look similar to the tonic neck reflex, in which an infant who is put on her back will outstretch the arm and leg in the direction she's facing, curling the opposite arm and leg inward.
Supports her upper body with her arms when lying on stomach.
The American Academy of Pediatrics says that by three months, babies begin to support themselves with their upper bodies. Yogis would recognize this position as a mini cobra pose, but typical parents see this move as just one that just helps satisfy Baby's curiosity of the world around him.
Swats at dangling toys placed near her.
Mobiles, watch out! Around 3 months, Baby starts using her hands and eyes in coordination, often to bat at the toys (or people) near her.
Mouths objects brought to her face.
According to Zero to Three (a nonprofit organization dedicated to the health and well-being of infants, toddlers, and their families), between months two to six, babies explore by and learn from looking at, holding, and putting their mouths on different objects.
Reaches and grasps for things with both hands.
At about 3 months, according to Zero to Three, a baby may start to deliberately reach for and grasp onto toys and other objects. This is a good time to consider the safety of the space around her!
Pushes down on legs when feet are placed on a firm surface.
Even newborns have a stepping reflex. As Baby gets older, working those legs becomes a precursor to new and exciting mobility milestones: scooting, crawling, and walking!
Can hold (and shake!) a rattle.
Once Baby has perfected his grip, watch out: Your hair, glasses, jewelry, and even nose are up for grabs—literally. It's a fun day when, according to the American Academy of Family Physicians, Baby will be able to hold a rattle that you place in his or her hands and will soon discover that he or she is the one that caused the rattle to make noise.
Tries to feed himself.
Now that he can bring his hand to his mouth at will, gaining control of the baby spoon is your child's next natural feat! Letting your baby attempt to feed himself boosts his self-confidence, even if he never makes his mouth, according to Zero to Three. So break out the bib and hand over the utensils!
Rolls from side to side, onto her back or tummy, and back again.
By 4 to 6 months, babies may be able to roll both ways. This makes diaper changes especially dicey: Never leave Baby alone on the changing table.
Sits with assistance.
It's a whole different view for Baby once she's able to be propped up. Whether you're her support, or you use a pillow or chair purposefully for the job, helping your child sit up strengthens her upper and lower body. Soon, she'll be able to sit up on her own.
Scoots on her bottom, knees, or tummy.
Around the halfway mark of Baby's first year, she may spend a significant amount of time exploring on her belly, bottom, or knees. Not quite a crawl, scooting is a motor skill that allows babies to make the ideas in their heads happen: "I can get that ball that rolled away."
Sits without support (of her hands, a pillow, etc.)
By 7 months, Baby may sit up unassisted. (Doesn't it seem like she's only ever been lying down?) This motor development will pave the way for bigger steps—literally: pushing and crawling, pulling up, and walking.
Transfers objects from hand to hand.
First Baby holds her binky in her left hand, then switches it to her right. It's a game that'll fascinate her all day—OK, maybe for an hour. But once she marks this developmental milestone, more reaching, grabbing, and pulling accomplishments are up next.
Uses raking grasp.
Previously, everything Baby picked up was between her thumb and forefinger. Called the pincer grasp, that motion paved the way for this new grasp: Baby reaches out and "rakes," fingers outsplayed, toward the objects near her. This is her new way of bringing the world closer.
Assumes hands-and-knees position.
First, Baby learned to sit up by herself. Now, she may be pulling herself forward onto all fours (or she may have managed to roll from her back to her tummy and push herself up). Chances are, she won't stay still in this position for long. Possible next up? Creeping and crawling!
Attempts (and maybe achieves) crawling.
One day, around 6 months, your lovely bundle is stationary, with only limb-flailing to watch out for. And then, perhaps even overnight, she'll be on all fours, lunge for something, and start to crawl. Although crawling in itself is not an especially important milestone (many babies skip it altogether), seeing an out-of-reach object and figuring out how to get it is an important cognitive and motor development.
Moves arms and legs equally, coordinating both sides of the body.
By the end of month 12, according to the
American Academy of Family Physicians, Baby may be creeping on his belly, scooting on his bottom, or rolling to where he wants to go. It doesn't matter so much how your baby gets around, as long as he is able to move arms and legs equally and coordinate both sides of the body.
Changes positions easily.
One moment Baby's rolling over, the next he's sitting, then creeping, pulling himself up—and then off he goes! By 12 months your child will become more adept at changing positions. (Time to consider babyproofing again.)
Pulls self up to stand.
By the end of Baby's first year, he'll eagerly begin pulling himself from the floor to a standing position. (First steps ahead!) It's time to take a look around: What might your child accidentally topple over as he braces himself on it?
Takes first steps, assisted.
By the end of Baby's first year, according to the American Academy of Family Physicians, your infant may take tentative first steps while holding on to your hands or furniture and other large objects nearby. Next, he may even start cruising along the furniture. (Concerned about Baby's mobility? Read this expert motor development advice.)
Finger-feeds himself.
Behold, the age of Cheerios! By then end of his first year, your baby has begun solids and is moving on to finger foods that he can feed himself, making him feel independent and proud. (Did you know that you've been influencing your child's food preferences since way before he was born—and that there's still much you can impact now? Check it out!)
Stands momentarily without support.
It happens so fast, and with such a show of determination: First Baby is sitting on the ground, then she's pulling herself up using the arm of the couch, now she's standing holding on with one hand, now she lets go … and boom, down she goes. A few quick standing-alone trials like this, and your baby may be on her way to first steps!
Walks two or three steps without support.
And she's off! What seem like hesitant baby steps are the groundwork for the whirlwind that's about to be: your curious, hard-to-keep-up-with toddler. If Baby has an older sibling, check out these tips for helping a big brother or sister deal with this newly mobile child.
How is your baby developing right now? Track milestones using our interactive checklist.
When Do Babies Roll Over?Wondering when you'll walk in the nursery, peek into the crib, and find that your baby has rolled over onto his stomach? Rolling over is one of the first in a line of milestones that one day leads to those first steps. But when do babies roll over? Let'sview gallery


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Performance Review
Red Hair and Green Gables
Canadian classic is youthful and charming at ALT
Even if you weren't a redheaded orphan girl brought up on a farm near the turn of the 20th century, Anne of Green Gables will likely remind you of your childhood—of best friends, the realm of make believe and accidental drunkenness.
Culture Shock
The Alibi has created an all-new contest allowing you, the people, to have full-page examples of your art repping our Best of Burque issue. Read all about the rules and guidelines after the jump.
Today's Events
The New Mexico Edit at South Broadway Cultural Center
A collection of short clips from filmmakers all over the state. Part of the "Life in New Mexico" collaborative media project.
Placitas Artists Series Arts Exhibit and Reception at Las Placitas Presbyterian Church
Basic Computing Steps at BookworksMore Recommented Events ››
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The Charlotte R. Bloomberg Children's Center opened May 1, 2012. Take a look inside at what families and visitors can expect.Virtual Tour
Clinical Expertise
An 82-year-old retired dietitian from Baltimore received a standing ovation from 300 physicians, scientists and dietitians in Phoenix, April 3, at the first International Symposium on Dietary Therapies for Epilepsy and Other Neurological Disorders. Millicent Kelley, who worked with the pediatric epilepsy program at Hopkins Children's for 40 years, was honored for helping rescue from obscurity a diet that can cure epilepsy. She was one of the few who knew the secrets of the "ketogenic diet" when Hollywood producer/writer Jim Abrahams, in desperation, brought his 18-month-old son Charlie to Hopkins Children's in 1993.
Learn More About Ketogenic Diet Pioneer Reunites with Charlie Abrams
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Halcón Resources: Eagle Ford Update
Richard Zeits • Sat, Sep. 6 • 15 Comments
- The article presents Halcón's latest (through July, 2014) well performance data in the Eagle Ford play.
- El Halcón production decline in July relative to the Q2 2014 average was expected and is driven by a trough in the completions schedule.
- Halcon's Eagle Ford drilling program will remain HBP-driven for at least another year. Significant well cost savings are expected thereafter.
- El Halcón may prove to be a two-bench play.


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SPOKANE--Security cameras caught a prowler going door to door through a South Hill neighborhood with his pants down.
It happened in the neighborhood near 31st and Manito Blvd.
Resident Dianne Lavalley says here home's alarm system alerted that someone was on her porch around 6:40 Sunday morning. When she and her husband went outside to see what was going on, they saw someone leaving in a car.
Lavalley called police and they took photographs of the person's footprints.
Lavalley's husband began following the person's tracks and discovered the person had stopped by at least 20 other homes in the neighborhood.


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Copper Point Resort of Invermere, British Columbia Joins RCI Network of Affiliated Resorts
INVERMERE, BC (Sept. 15, 2011) - RCI, the global leader in vacation exchange and part of the Wyndham Worldwide (NYSE: WYN) family of brands, today announced an affiliation agreement with Rohit at Copper Point Resort, Ltd. that adds the Copper Point Resort in Invermere, British Columbia to RCI's network of affiliated resorts. Copper Point Resort is an award-winning luxury mountain resort that opened its doors in May 2011 in the Columbia Valley of British Columbia, Canada. Visitors will find this sleek modern alpine retreat amongst breathtaking views of the Rocky Mountains and The Ridge at Copper Point golf course, one of nine championship golf courses in the area. This luxury resort property offers both year-round accommodations and whole and fractional ownership opportunities. This four-season mountain resort's amenities include indoor and outdoor pools, hot tubs, multi-use sport courts, a playground, a marked walking trail, fire pits, a fitness facility, a business center, an onsite market, 24/7 reception, high-end concierge service, conference facilities and Elements Grill. A full-service spa is also set to open in the winter of 2011- 2012. "RCI introduced the exchange business over 35 years ago and has been the industry innovator and leader in both timeshare and fractional properties ever since," said Rohit Gupta, CFO of Rohit Group of Companies. "Through our relationship with RCI we are able to provide added value to our existing owners while also expanding our international market for both whole and fractional ownership and vacation getaways." "Copper Point Resort is a great addition to our growing network of affiliated resorts," said Gordon Gurnik, president of RCI. "This beautiful resort will give our RCI® Weeks members an opportunity to experience the best that British Columbia has to offer." About Copper Point Resort: The award winning Copper Point Resort is the newest four season luxury condominium resort offering whole and fractional ownership real estate in Invermere, British Columbia, as well as vacation hotel accommodations. Year round attractions include nine premier golf courses, world renowned skiing, natural hot springs and the stunning Lake Windermere. Copper Point Resort condominium owners and guests will enjoy five star amenities including indoor and outdoor pools & hot tubs, trendy contemporary Elements Grill, a fitness facility, playground, conference facilities, and a full service spa opening in the beginning of 2012. About Rohit Communities Rohit Communities, the foundation of Rohit Group of Companies, is an award winning developer and builder of new homes in Edmonton offering new condos, townhomes, duplexes and single family homes for sale. It also offers new homes in Fort McMurray, and luxury condos in both Kelowna and Invermere's Copper Point Resort. About RCI RCI is the worldwide leader in vacation exchange with over 4,000 affiliated resorts in approximately 100 countries. RCI pioneered the concept of vacation exchange in 1974, offering members increased flexibility and versatility with their vacation ownership experience. Today, through RCI® Weeks, the traditional week-for-week exchange system, and RCI Points®, the industry's first global points-based exchange system, RCI provides flexible vacation options to its 3.8 million RCI subscribing members each year. RCI is part of Wyndham Exchange & Rentals and the Wyndham Worldwide family of brands (NYSE: WYN). For additional information visit our media center, rciaffiliates.com or The RCI Blog. RCI also can be found on Facebook, YouTube and Twitter. RCI Contact: Steven Alessandrini (973) 753-8278 firstname.lastname@example.com BobbyJo Wiebe Copper Point Resort 250.341.5745


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Blaine earns distinction for PE class
By Tara Nelson
The National Association for Sport and Physical Education (NASPE) recently selected Blaine elementary school as a recipient of their STARS program that recognizes a school's total physical education offerings.
To earn the STARS distinction, physical education staff submit a 10-pound portfolio of narrative evidence compiled over a year. The portfolio is reviewed by an independent panel of judges from around the country. Only 40 schools in the nation have earned STARS status.
Blaine elementary school and physical education teacher Dan Persse will be honored Friday, April 3 during the national convention of the American Alliance for Health, Physical Education, Recreation and Dance (AAHPERD) in Tampa, Florida.
Persse has developed the school's physical education program based on Washington State Standards in Health and Fitness and is augmented by NASPE's National Standards for Physical Education.
He is a 2008 NASPE District Physical Education Teacher of the Year, a NSCA certified personal trainer, a certified athletic trainer and a National Board Certified teacher.


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MALTA, N.Y. - GlobalFoundries, one of the Capital Region's largest employers, has reached an expansion agreement with the Saratoga County town of Malta.
Under the proposed agreement, GlobalFoundries will donate millions of dollars in support of the community's needs in exchange for the rights to build a second facility.
Sausville says the town board has been working closely with GlobalFoundries for the past seven to eight months on a proposed agreement if the tech company would make a commitment to build another semiconductor manufacturing production facility.
Sausville says the expansion will add about 4,000 more jobs to the area and improve the quality of life for residents.
"We believe in 8 to 10 years we will be the most envied town in New York State," he said.
Under the proposal, GlobalFoundries will pay $3 million to buy and reconstruct Brown's Beach on Saratoga Lake, which has been closed since 2009. The goal is to get the beach up and operational by next summer.
In addition, the tech company will provide the funds to create seven new roadways to mitigate and maintain traffic, including the future development of a new Exit 11a on the Northway.
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As of Saturday, October 29, 2011
© Copyright 2014 Gwinnett Daily Post
LILBURN -- Dacula has been on a roll this season.
Friday night was no different as the Falcons rolled up 576 yards of offense, 483 on the ground, en route to a 50-6 win over Berkmar.
The Falcons scored early and often, getting 219 yards rushing in the first half by Rocky Capobianco, to propel them to the win.
"It's a good win for us," said Dacula head coach Jared Zito. "I'm proud of our guys for staying focused when they could have easily lost it."
Capobianco was the feature back on the first drive, taking three carries for 55 yards, with the touchdown coming from three yards out.
After a punt by Berkmar, Capobianco rushed for 44 yards on the first two plays before quarterback Brandon Goodson found Marcus Cox open down the middle for 29 yards and a touchdown.
Berkmar looked to be driving on its next drive, getting down to the Dacula 30-yard line, but a fourth-down play stalled one yard short to give the Falcons the ball back. And, Dacula (6-3, 6-1 region) made sure that Berkmar paid for not converting as they took six plays, all rushing, to score when Cox hit paydirt from the 5-yard line. The extra point gave the Falcons a 21-0 lead with 1:37 to go in the first quarter.
Dacula looked to get into the end zone again early in the second quarter, but a fumble at the 1-yard line turned the ball over to the Patriots (1-8, 0-7).
After no gain on the first play, quarterback Deion Perry found Dorren Miller open on the left side as he caught the ball on the 32-yard line, and raced the other 68 yards for a 99-yard touchdown reception, tying a Gwinnett County record.
However, the Falcons answered on their next drive as they drove 78 yards in seven plays with Capobianco scoring from 11-yards out. Capobianco also scored on a rush for the two-point conversion to give the Falcons a 29-6 lead.
A safety near the end of the first half gave Dacula a 31-6 halftime lead.
"You have to treat every game in this region for what it is," Zito said. "Each game counts the same."
In the second half, the Falcons continued to roll, scoring on their first two drives as Alex Armah caught a two-yard touchdown pass from Capobianco, and a four-yard score by Zentavias Cobb.
And, if that wasn't enough, with 1:04 left in the third quarter the sprinklers came on sending both teams to the sidelines for a 10-minute delay.
After the delay, the fourth quarter saw a running clock with only one touchdown, this time by Dacula's Aaron Grove on a 27-yard rush.
Capobianco finished the game with 271 yards on the ground, while Goodson was 6-for-10 for 91 yards.
For Berkmar, Miller had five catches for 128 yards, while Perry had 162 yards passing.
More like this story
- Dacula strikes early, often in 49-21 win over Central ( September 30, 2011 )
- Falcons defense swarms to 20-6 win over Brookwood ( September 9, 2011 )
- DAILY POST OFFENSIVE PLAYER OF THE YEAR: Dacula's Rocky Capobianco ( December 24, 2011 )
- Capobianco scores winning TD in Dacula's victory over Norcross ( November 12, 2011 )
- Do-it-all Capobianco lives up to his name ( October 31, 2011 )


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I hesitated a bit to write this post because it will appear to some to be motivated by self-interest (it's not, I can assure you); I decided that the cause was good enough to take that chance.
Sophia Institute Press (my own publisher), is in a severe financial crisis right now (about $40,000 past due), because of slow sales. It is an apostolate, whose primary income consists of sales revenues. Sophia (I can testify from first-hand experience) is a class organization through and through. John L. Barger has labored since 1983 to bring Catholic classics to a contemporary audience. Anyone who collects a lot of Catholic books would have many of Sophia's books in their collections (I certainly do).
I was greatly blessed and honored in 2003 when they decided to take on my book, A Biblical Defense of Catholicism (at the time, self-published and out a few years). I had been trying to persuade any Catholic publisher to do that for the previous seven years. Sophia has been very good to me and kept us afloat with generous advances on now three occasions. The editing ability of my friend Todd Aglialoro has made my books much better and more readable. That's important for a guy who is accustomed to firing off posts on my blog almost daily. Books ought to be far more carefully written and constructed than blog posts.
It so happens that my next book, The One-Minute Apologist, is one of the titles scheduled to be published next (possibly before the end of the year). I'm hoping it can help Sophia to keep their doors open (I know, it sounds terribly self-interested, but there it is; I don't care. I'm simply trying to do my part to help the folks at Sophia and the great work they do).
I should note, too, that the original conceptions and formats for this new book, and my last one, The Catholic Verses, came originally from Sophia. I really appreciate the opportunity to have been able to participate in those projects. It was enjoyable and educational for me (and I hope for readers, too). Those books are, in my opinion, every bit as much creations of John Barger and Todd Aglialoro as they are my own. These were joint projects: they came up with the basic ideas, structure, and did the editing; I chipped in with the "raw material," so to speak. It's a bit like I imagine the relationship of a singer to a songwriter to be.
Karl Keating wrote about the current plight of Sophia in a recent e-letter (ironically, I found it by accident tonight; I had gotten off his mailing list for the e-letter because of my change of e-mail address). Please read that in order to better understand some of the reasons why Sophia is in financial straits at the moment (Mr. Barger has referred to "the difficult days since
Sept. 11 and after the scandals that rocked the Church these past few years" - factors beyond the control of Sophia).
Catholic publishing in general is going through some hard times. These books don't sell in the millions (as Karl Keating noted). It's a small market. I know that for John Barger and others at Sophia, this is a labor of love and an apostolate first and foremost. They could all be doing lots of other things, making a lot more money. But the motivation is to spread Catholic truth.
Please visit the Sophia web page or go right to their request for emergency donations.
It so happens (I found this out tonight also) that they are offering two of my books: A Biblical Defense of Catholicism, and The Catholic Verses, for a donation of $100. I figured that if you are reading this blog and haven't yet read those books, then this post could possibly generate a donation their way, or at least a few book sales for Sophia, and allow you a chance to help out and get something in return.
Now, lest you become cynical at "self-plugging," remember that I receive maybe $1.70 per book in royalties. Such a donation would help them a lot more than it would help me. I'm doing okay; I have a new part-time job and a second one in the works. I don't have overhead and employees like Sophia does (I simply have the usual living expenses like anyone else, as a self-employed writer and apologist). My books - by God's grace - are selling well (i.e., within their relatively small market). I'm not gonna "go under" anytime soon. I may have my serious financial troubles now and then, but like a cork, I'll always pop back up.
But Sophia Institute Press is truly in a crisis, and all who love the Catholic classics of the past (their specialty) and are able to help will, I hope, see fit to assist them in getting past this time of difficulty.


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The father of two little boys who were attacked by two dogs Saturday in Douglasville is still in shock after the canine assault.
Lauro Quezada told CBS Atlanta on Monday he was walking with his boys along Greenbook road when the attack took place.
The dog bites left serve trauma to Quezada's 3-year-old son's face and back and also to his 5-year-old son's back and leg.
The dad says he tried to fight the dogs off but the animals were too strong.
"I was fighting with them and I lost my balance and fell on the floor and the youngest dog snatched my little one out of my arms," Lauro Quezada said.
Now this father hopes this incident serves as a reminder to other dog owners to secure their pets.
"Try to do the most that you can to keep your dogs out of the streets and attacking some other kids," Quezada said.
The dogs are being held in quarantine by animal control for the next 10 days. There is no word on whether or not the dogs will be put to sleep.
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Pure Baby UK provide great information about itchy skin, dry skin and baby eczema treatment for your child.
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