text:
About two years ago, I had almost $17,000 in credit card debt. That added up to about a third of my salary at the time, and the minimum payments were more than my rent. Most months, my paycheck was gone before I would even see it, swallowed up by credit card payments, a rent payment, utilities, insurance, a bundle of student loans, and two outstanding car loans.
My wife and my infant son and I lived in a little apartment together and we had every luxury item we could afford. We liked buying neat stuff – I owned two iPods and had multiple computer systems, we had an enormous DVD collection that practically filled our living room (with a lot of them still in the shrink-wrap, bought but never opened), and my wife had a taste for books. Lots of books.
When we first found out we were going to have a child, we decided that he would have the best of everything. We spent several hundred dollars on an amazing crib for him and bought almost everything one could possibly think of that a baby would want. We turned the tiny second bedroom in our apartment into a nursery and just poured out the money. We bought a top-of-the-line breast pumping machine, dozens of educational toys, and a mountain of clothes for the boy.
We just kept sinking and sinking and sinking into debt, but I just couldn't bring myself to really think about it. It was so much easier to not think about it, to just keep doing the same things I was always doing. I'd go buy DVDs and books and such after work, eat out for lunch at expensive places, and just keep sinking slowly further and further into debt. I assumed that "future me" would just take care of it.
One day, I woke up and there was no money. I had less than a hundred dollars to my name, a mountain of unpaid bills in front of me, and no forthcoming paychecks. I knew in the back of my mind that such a day would come, but I didn't know when it came that it would punch me in the gut quite so hard.
I was scared. I held my son for a long time. I cried. I talked to my wife about everything and we went carefully through the bills. I went to the library – not the bookstore, for once – and checked out a pile of books on money management, trying to figure out how I could get myself out of this mess this time. Two of them really stuck with me – Your Money or Your Life and The Total Money Makeover.
The one thing I realized above everything else? Fixing it wasn't that hard. Sure, the problem can't be solved in a day, but the solution is really, really easy. Want some tips to get started?
Enjoy the stuff you have instead of buying new stuff. If you're tempted to buy something, look around the stuff you already have and try out one of those instead. If you're going to go buy a new DVD, watch one on your shelf instead. Lusting for a flat panel? Go for that upgrade – but wait until the TV you already have doesn't work. Want to buy clothes? How about doing a big closet cleaning and seeing if there's anything you've forgotten about in there? Look at what you've got before you spend some more.
Lock up all of your credit cards. Don't carry them with you for a while, but continue to live your normal life. You'll find your habits being subtly changed by this – and better yet, you won't be building up a balance on those cards. Try it for just a couple of weeks and see what happens.
Pick your debt that has the lowest principal left and make extra payments on it. If you do the two things above, you'll notice some extra breathing room in your monthly spending. Take some of that and make extra payments on the debt you have with the lowest balance. Hopefully, you can pay it off fairly quickly – and you can feel the rush of a debt burden being lifted from your shoulders. If you like that feeling, move on to the next debt.
Eat at home more. Even if you just go home and prepare a prepackaged meal, it's substantially cheaper than constantly eating out. Try to incorporate making some of your own food as well – see if you can come up with a used crock pot and then start using it by just dumping in some ingredients in the morning, turning it to simmer all day, and coming home to a delicious and frugal meal. I make roasts in mine all the time – just put in a roast, a seasoning packet, and some vegetables and my wife and I have three or four delicious meals waiting for us.
It's not rocket science, just a bunch of small steps you can take. The hardest part is just having the courage to take that first step.
Why I Wrote This Post
A reader named "Jon" sent me an email earlier today that's worth quoting:
I've also passed the Simple Dollar along to some co-workers who are struggling financially. What I find, however, is most who are struggling don't want to look in the mirror, because they don't want to see the changes that need to be made and then make them.
This email hit a real nerve with me. The people that Jon talks about in this email are the very people I want to reach the most. They're sitting in the very situation I was in three years ago – slowly sinking, getting myself more and more in debt, and, most of all, not wanting to face it at all. It's much easier to not face it, after all.
If this sounds like someone you know, please send them this post. Thank you.
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Mark B. says:
Great post Trent, I have been that person you described here more than once. I will have a moment of "clarity" and start to turn things around, but then I slowly start to slip back to my old ways.
Every year about this time I find myself with thousands in credit card debt, and I make a real push to turn things around. Then I usually get my tax refund, pay off most of the debt, and start the cycle all over again. What if I didn't get a tax refund?
I want to change my habits, but how do I keep myself from slipping back to my old self?
My Two Cents says:
Very good post, Trent, and I hope it helps some people out. I'm on the road headed in the right direction thanks to the lessons my parents learned from similar mistakes – instead of charging up a ton of things like you did, though, they built their own house and couldn't afford to finance it. A few years after the house was done, and I was born, we moved into a very small town house for the four of us. It was definitely a HUGE step down for my parents, but it helped them financially in the long run.
I think that your comment on leaving your credit cards at home, or locked up, is a great tactic. I've done it a few times when I take trips out to Best Buy or some place with my friends, because I don't even want to have to deal with the temptation of buying a Playstation 3 or something else that I really don't need.
elizabeth says:
My husband and I really worked hard and in the last 2 years paid off all of my credit card debt and my student loans on a very limited income (most of you would laugh to know how little we make together). Anyway, I get stuck on the next step. Now that I don't have the payments, it is harder to save. We want a house, but it is more difficult to pay it forward than it is to pay it back in my opinion.
Credit says:
I realized that I haven't made a single positive reply yet. I like the enthusiastic message of hope combined with the realistic tactics for accomplishing goals you provide on The Simple Dollar. The advice is helpful even for those people who are not deeply in debt, but would like to optimize the benefit of money we do have. It is this broad appeal that makes this the most enjoyable personal finance blog i've ever read. Thanks Trent.
1WineDude says:
Good stuff – I will definitely be passing this along to a few people.
AaronO says:
"Lusting for a flat panel? Go for that upgrade – but wait until the TV you already have doesn't work." — Do you know me?
I think the people that read this blog are the people you are trying to reach out to…we've just realized our financial position sooner.
Some people need to hit rock bottom before the bounce back up while others are scared to death to actually hit the ground. I am glad I took the time to see where I could have been headed and I am turning things around.
I don't comment a lot but I read your posts everyday. I think it is pretty easy to connect with others financially – no matter how much you make. Debt and finances are a part of everyone's life.
I use iGoogle and I added your blog to my homepage. I can easily see whenever you make a new post. Thanks for your efforts and keep up the great work.
Susan says:
I've got a little over $18,000.00 in credit card debt and still owe $6,000.00 on a hospital bill. I am attacking these with the same vengeance as that of a mother defending her young. I use that analogy because when I really think about it, I am attempting to repair and protect what little assets I do have and hopefully come out of this hole. I'm paying $1,200.00 per month on credit card debt, a little less than half of my monthly net income. I don't touch the cards, I view this debt repayment as a challenge and I know that if I can keep my health and continue with my progress, that I will achieve my goal. Oh yes, I don't own a vehicle any longer (sold it) and I ride the bus to work and everywhere else or I walk. Life is actually easier and simpler–and I feel like I am living more authentically by paying down my debt and living with less. My children are grown and at first they thought I had gone completely mad, but I think they appreciate my austerity when I am able to give them a considerable cash gift at Christmas and on their birthdays (I do it because it's fun and they appreciate it.) Anyway, I'm glad I'm teaching myself to live with less and not file bankruptcy. I got myself into this situation and the only way towards solvency is to struggle a bit. Power to eveyone else doing the same.
Kristina says:
Hi Trent.
Your post really hit home for me–not so much about the financials, but the 'head-in-the-sand' avoidance we practice when we know there's something wrong but we think it's going to be hard to fix.
I am currently avoiding the problem of weight loss. :) I have the books, I know what it's going to take to fix the problem, but I'm avoiding taking the first step in actually doing anything.
Time to get off my butt.
Amanda B. says:
@ elizabeth:
Automate. I send $25 to an E fund, $10 to a hubby gift fund and $10 to a me gift fund weekly. The cool part, I don't feel like we have to money to spare, but when it never hits the bank we just make it work. When we figure out how to make it with that money, I'll bump up the amount. I am essentially stealing from myself. But it works!
Heather says:
I've been reading your blog for around 9 months now and this is one of my new favorite posts. It is hard to own up to mistakes and to admit that changes in attitude and lifestyle are necessary to begin addressing those mistakes. It's a hard long road. Thanks for continually inspiring me to stay on it. :)
imelda says:
Trent, this article from the NY Times might interest you: http://www.nytimes.com/2008/02/05/business/05spend.html?_r=1&hp&oref=slogin
As the economy worsens, it's about more families turning to thrift as a way to get by, returning to the spending habits of the older generations.
Cheapest Man says:
Great post man. I love to hear people's stories of debt and how they overcame it. I had a similar situation and just finished paying off my last credit card. That was a great feeling, and one I hope the rest of my family can experience someday (FYI – my family is full of debt).
I just found this blog today and love what you are doing here. I'll be checking out this site quite often, thanks for putting this together.
tubaman-z says:
Great post. While my wife and I never accumulated large consumer debt as DINKs, we also didn't have much to show for what we did earn – money in equaled money out, mostly for food and entertainment, not for savings. That got fixed when she quit working to be a SAHM. We've actually saved (and given away to church and charity) far more aggressively since then.
"If you're going to go buy a new DVD, watch one on your shelf instead." I find that very few of the DVDs that we own get watched more than once (The Lord of the Rings extended DVD set and Star Wars excluded :-). This makes for a strong case for using either the library or Netflix for DVDs. The library is cheaper, but has less selection. Since I try to avoid accumulating subscription fees, it's generally the library for me.
KC says:
Every parent wants to give their child the best of everything. But all your child really wants is good, loving parents. I grew up in the 70s and 80s, my parents were middle-class. But looking back on it we may have been slighly less than middle-class. But I honestly don't remember "wanting" for anything (except that Atari I never got). I had loving parents who made me a well adjusted child. I had few materials needs except good clothes and shoes – thanks to my grandparents.
My point is you don't have to buy your kids all these material items. Sure, they'll need some, but what they need more than anything is love and emotional support – if you give that to them both you and they will be happy and well-adjusted.
Toxic Money says:
Already sent it to my sister-in-law. I am sure that I'll hear that she doesn't need it, but oh well… I've done my part ;)
Anne says:
For me, the hardest part wasn't "the first step", the hardest part was believing the tiny little steps I was making were going to add up to a better future. In my worst debt period, I quit a job I loved and went to a data-entry position simply because it paid more. I lived with a crazy roommate. I took lentil stew and rice to work so often my coworkers believed I was a vegitarian. When I got tired of the books I owned and the books at the library, I started writing book reviews for a small magazine.
And you know, it worked. I paid of $15,000 worth of credit card debt and bought a small condo. The little steps have turned into habits, so that now — when I'm unemployed — I am not at rock bottom. The mortgage is getting covered and I have money for food. I've figured out how to go to a class I want to do in exchange for work, and how to take fitness classes, also in trade.
For me, the turn-around books were "Get out of Debt, Stay out of Debt, and Live Prosperously", "How to Live Within Your Means and Still Finance Your Dreams", "Living Cheaply With Style", a Betty Crocker cookbook, and "Money is my Friend".
Cindy in NY says:
Our moment of clarity came several years ago when we were trying to buy our first home. Our debt to income ratio was so bad we had a hard time getting a loan for $60,000. We had never paid attention to how much debt we had so we put everything down on a spreadsheet and then picked ourselves up off the floor! We had about $30,000 in credit card debt and $20,000 in student loans! To get rid of our debt, we did one thing differently from you – we paid off the highest interest card first. We continued snowballing our payments until all that debt was paid. We also stopped spending on "nonsense".
We sold that home and bought another. This time we were pre-approved for $250,000! (We didn't spend anywhere near that.) My husband said "That's what happens when you wear $15 shoes!"
Now, we have no credit card debt, we have no student loan debt, we own 2 cars (11 years and 8 years old), and our home will be paid off early in nine years. We also have money invested in my husband's retirement account at work, we have an emergency fund with 3 month's salary plus we have funds for household emergencies, a car fund, home repair expenses, and a vacation fund. It all started with looking at our finances with open eyes!!
Michelle Dawn says:
What a great message! Very inspirational :)
fran says:
It's been said before and is worth saying again…write it down! It's so easy to go into the headspace of mindlessness. Writing down what you spend, eat (I lost 80 lbs with journaling as one of my tools)or invest time in will foster awareness and help you make changes.
Inca says:
Great post.
I used to be very frugal and organized with my savings/investments. Then I married. To put it mildly my husband is the exact opposite. For a while I tried coaxing him towards my way, but I was getting very frustrated and depressed. It is much easier to fall into bad habits than to convince someone else to develop good habits. And you can imagine my story some 30 years later…Great kids, Teriffic grandkids, and little else but worry and fear.
I am submitting this comment in particular as a suggesstion for a post…not about worry and fear but about regret that paralyzes.
Can you write a post for those of us who are up there in years and spend most of our time regretting the past and feeling the future is hopeless and thus are totally stymied. It seems that the small efforts offered to the young and those more towards the beginning of their journey will not help us at all…and to do "big" things all at once seems overwhelming, if not impossible.
Is there such a thing as "too late"?
Diane says:
This may sound crazy but my first step out of substantial debt began with a simple exercise. I heard a financial person say that your money (paper bills) should all be facing the same direction and ordered largest denomination to smallest. It taught me respect for money which I didn't have prior. I am now completely free of $32,000 in credit card debt. Love your message, Trent!
Matt says:
The timing of this post couldn't have been better for me.
I was offered a GREAT job opportunity back in the beginning of January the problem is that it doesn't start until mid-March hopefully and I wasn't working at the time. I couldn't pass this opportunity up so I promised myself that I would make it happen. Well, my emergency fund is just about gone now and I've been doing whatever I can for money. I've doing some sporadic temp work, focus groups, selling things on ebay but I don't think I can make enough money for the next month and a half.
I'm looking at probably $1500 of debt max that I've already secured at 0% interest for a year. I can pay this off within that time but I've worked so hard not to acquire credit card debt and work hard and paying down my student loans. I feel like I'm going backwards, that's $1500 I could put towards my student loans.
Then I read stories where people were in much worse financial shape and managed to pull themselves out. Your story helps me know that I can and will make the best of this. After all I managed to get the job I've been working towards since I was a teenager.
jtimberman says:
An important distinction here, and one of the biggest lessons out of this post, is in this statement:
"…and we had every luxury item we could afford."
Here's the thing that everyone needs to realize. You CANT afford "it". Thats why you went into debt to buy it! If you had the money, cash in your pocket, then you could afford it! Just because you make enough to pay the minimum payments does not mean you have the right to buy something, nor that you can afford it.
Again, affording monthly payments is different than affording "stuff". This isn't the American Dream, this is the American Justification For Bad Money Behaviour!
I'm glad I learned how to control my spending and learn what affording something really means. I just bought a new TV and a new computer, paid out of pocket, and it feels awesome. I don't have to worry that in 90 days or 18 months or whatever that I have to scrape together the cash to finish paying off some rip off finance plan with backdated interest and fees for late payments.
Money Blue Book says:
You are so right – the easiest way to get out of debt is cut out many of life's luxuries until you can pay off necessary expenses and get back on your feet.
The simplest way to do that is to stop going out so often, stay in to eat, and start enjoying things you already own rather than replacing them with newer versions.
Debt reduction requires Major sacrifice of one's short term desires for a greater long term good!
AaronO says:
I agree completely. That's why I haven't made the plunge for that new flat panel.
I've realized that going into debt over something I don't really need is pointless. The 32″ CRT I bought at Walmart 3 years ago for $250 is doing the job…it's just not as "cool" as a flat panel. As much as I want one, I don't need the debt or the flat panel. When my current TV dies, I will look at a fancy flat panel.
ClickerTrainer says:
I must admit, I am ashamed of my generation. We have succeeded in raising an entire generation that (1) gets credit cards far too young,(2) don't know how to set a budget, and (3) have expectations that are simply beyond. Shame on all me and my fellow baby boomers.
I didn't get my first credit card until I was 28. It was a Macy's card with a $100 limit! I used it sparingly to build up a credit history. I didn't need it, but I wanted a house. Didn't need a house really either, except I really really wanted a dog. :)
Ron@TheWisdomJournal says:
The road to recovery begins by looking in a mirror and having the courage to make the needed changes.
Lurker Carl says:
Most of the stuff we consider necessities didn't exist 100 years ago. I wonder how the human race survived prior to the 20th century.
Craig says:
Great website. My favorite along with GetRichSlowly.com.
I talked with my brother, who is emerging from a divorce. Talk about financial makeovers. Half of everything he HAD went to his ex. He had to remake himself.
After talking with him, I signed up with Geico for automobile insurance (same coverage), and canceled the provider I had for more than 20 years. I will be saving more than $300 a year.
He also canceled his telephone landline and got VOIP. He is saving around $40 every month. We shall be doing much the same thing.
With just the car insurance and the VOIP, we should be saving around $70 a month. That's going into our brand new ING Direct account.
I opened an ING account because of the great things I read about ING here and at GetRichSlowly. My brother has an account and highly recommends it. Our certified financial planner also highly recommends ING. No buts about it. It's ING, baby.
Yep, we also signed up with and paid for a money guy. I hate thinking about money TOO much, so I pay this guy to do it. He already has great ideas we putting into action.
I still have plenty to do, and debts to kill off, but they are being dealt with one by one, snowflake style, with malice aforethought.
Keep up the great work.
KH says:
My first instinct is to say something negative about your post, because then I know you'll read it! ;)
However, you wrote this at the exact time that I needed to hear it. I've been reading your posts for about 2 weeks, and catching up on reading your previous ones too. I have found it so valuable – more so than any of the credit-bought-crap that sits around me.
I made a conscious decision in January to REALLY look at my finances, not just check my card limit to see how much is available for me to spend this month…. I'm now taking steps to turn this mess around. And I know that I can do it.
I am one of the people I think you wanted to reach, and you did (and just in time).
Bill says:
If my current TV died I'd look to craigslist for a conventional CRT replacement.
Flat-panel TVs aren't cheap, and the technology is still evolving rapidly
e.g. 120Hz refresh, more reliable LED (instead of fluorescent) backlight
Debbie says:
Good post Trent! So many times I have tried to guide people away from the crazed money spending before it gets bad. Very rarely has this worked. Suppose it is a lot like a addict. Sometimes you really do have to hit rock bottom before you are willing to do whatever it takes to get out of it.
Me? I try to learn my lesson at least by the 3rd time! and hopefully from other's mistakes.
Allison says:
does your library system have an inter-library loan process that you can use? My library might not have the DVD I'm looking for, but if I look it up in the entire county's library system, there will usually be a copy floating around somewhere. I put in a request for it, and usually within a week I get a call saying that the DVD is waiting for me at my local libray. Sure, you lose out on the instant-gratification of finding it right away at the movie store, but for me it's worth waiting a week to see a movie if I can get it for free.
Frugal Dad says:
Our lives sound very much alike! After our first child my wife became a stay-home mom, but we continued to spend like a double-income family. We simply financed the difference on credit cards, until it finally caught up with us.
Sandy says:
Wow…a new TV…we're still nursing the same one we bought in 1991! It's died on us twice…it sat in our living room on the floor for a week or so, then my husband decided to try and play around with it, and got it going both times, for an extra year each time. Needless to say, parting with cash is hard for us, and somehow, we're really not tempted to buy new everytime something new comes on the market. Now…paying off the mortgage…that's something we get excited about!
tubaman-z says:
Yes, my library system does inter-library loan. This is a "good thing" as my local library, town population 5,000, is somewhat…..sparse. I rarely actually pickup a DVD from the library that it came from. It's pretty much always a week or two from request to receipt – which is fine. I haven't rented from a movie store in years.
The Immigrant says:
As an immigrant to US I find it extremely amazing how young(er) generations in US has never been taught or shown financial responsibility by their parents. I believe this is the reason that some if not most of them are not financially responsible themselves and have to learn and force themselves into becoming financially responsible at an age where it should've been already natural.
Here is the real solution to your problems with spending:
Do NOT spend. For a year at least.
On ANYTHING that does not provide nourishing food on your table (at home), a modest roof upon your head, car that is drivable and economical to support, basic clothes for you and your family to keep you warm, paying your bare necessity bills (electricity, landline phone+DSL only if required for your business, water and sewer, debt / loans payoff).
DVDs? Books? – Check them out from the website of your local library. Maybe they will not have the latest flicks, but you are still in for thousands and thousands of hours of free (paid-for-by-your-taxes) entertainment and some education along the way.
Dining at restaurants? – Ask yourselves if you really need to spend the extra $20 for a greasy, heavy meal, with contents of unknown origin, which you force yourself to eat so it doesn't go to waste.
Junk food? – see above.
You can also make someone else buy groceries for you. Do the same for them and follow their list strictly (minus the junk you know they do not need).
Cable / Satellite TV? – Do you really REQUIRE seeing all the ads and dumb shows the media is trying to wipe your brains out with? As I said – check your library instead.
It's really easy when you know what goal is.
Roman says:
A very down to the point post.
I specially like what you are saying about credit cards – that one should always pay back the card with the smallest amount of debt first.
Usually "financial gurus" give you the recommendation that you should start by paying off the card with the highest interest rate. This is a good idea on paper but I find that it actually makes a lot more sense to start paying back the debt with the smaller principal left. That way when you finish paying back your first credit card it gives you a sense of accomplishment and a will to go on!
Jen says:
A little over two years ago, my husband and I were looking at approximately 35K in non-mortgage debt.
At the end of this month, when our tax returns come in we will be paying off the final one.
We did it through hard work (increased income), frugality (decreased spending), commitment and compromise (marital communication and teamwork), and a boatload of prayer and discipline.
It sometimes was not easy. We blew it on occasion and extended our journey as a result. BUT WE DID IT. And I am a firm believer that if the two of us can, anyone can. (Hopeless financial ignorants, that was us before!)
Thanks Trent, for encouraging me along the way and for sharing your passion with us all.
Amit says:
Thanks for this article.
I have been reading your blog for past 3 months, and you have inspired me very much :))
Unfortunately, i could not get the book "The total money makeover" here in my city in India.
I have already stopped using my credit cards, and have analyzed my situation and feeling good about it, I think i will be able to clear my credit card debt by this year end.
Your articles are the best i have read. I think they are very close to reality..so they hit me hard :))))
Thanks for writing and sharing your thoughts.
Amy says:
To Immigrant — That's fantastic! I do almost everything you mention (except I admit to buying some junk food at the supermarket now & then). No buying DVDs or books; no cell phone; no tv service; almost no dining out; very little traveling; no entertainment (like going out to the movies). And we're doing fine with the basics –food, water, clothes, house, & autos.
No credit card debt. Owe a little on the mortgage, 1 vehicle & $600 left on a college loan. And am in the process of buying a $7000 heatpump for the house (will pay for it in cash).
And to whoever said to automate savings — absolutely! Have money automatically put into your savings and retirement accounts & only spend what's in your checking account. Just do a little at first & increase the amount you save slowly.
You can't change overnight — start tracking your spending & wean yourself from things slowly (I don't even miss satellite tv any more, although it was an adjustment).
Change your thinking from "what I deserve" to "what I can afford" — we probably all deserve weekly massages & pedicures, but we can't all afford them.
Sound boring? Well, I love my life! I love vacationing at home, playing in the garden, reading books & using the free internet at the library, joining friends for walks at local parks.
Need some motivation? Think about what you'd do without a job. My husband is presently out of work, and its possible my job will be outsourced within the next year or two. If the worse happens, I'll be happy that I have a healthy savings account…
NiJaal says:
I know someone who really, really, really needs a huge wakeup call but i doubt they would listen or be willing to change. Not sure what to do in that situation. Thanks for the post though. I will pass it along.
Ranelle says:
Thanks, Trent, for this blog — I read it faithfully every day! Although we have a very, very long way to go to reducing our debt, we are taking some of the baby steps you've recommended. I just opened up our first ING account — too bad you can't get referral money for all the folks you've steered their way!
Keep it up — you're awesome!
Bruce says:
I've been in a bad debt situation twice in my life. The first time ($30,000), I was just young and irresponsible. The second time($50,000), I failed at an entrepreneurial venture, and my wife came into our marriage with a lot of debt.
One of the key elements to my success both times was making my debt reduction plan easy to execute, and making it visible. You need to know where you are, where you are going, and you want to be able to see and celebrate the small successes along the way.
Peter says:
One point not really mentioned, is that you don't necessarily need to go "cold turkey" and stop everything (though that can certianly help). What you need to do is open your eyes and see where your money is going? Once you become aware of what you are actually spending, then you can make better decisions to decide where you want to spend it.
Sometimes it can be as simple as deciding you'll only eat out twice a week instead of five times. Maybe you need cable because of piss poor reception, so you go with the basic package instead of all premium channels. Maybe you've just never realized that you're spending two hundred dollars every week when you go out shopping with your friends or each time you golf and hang out with your buddy's afterwards. Just being aware of what you're spending and why can allow you to cut back on some of these things without eliminating them. That difference can add up over time.
On the savings side, while starting big helps, start with something so you have something. I started each child's college fund with $20 a paycheck when they were born and have raised it $5 a year and usually added $5 if I got a raise or promotion. My oldest is going to have $25,000 in her account when she starts in a year or two. Will it pay for all of her college? Probably not, but will it ease the burden? Hell yeah! If I'd have been intimidated by the 120K tags of projected college costs, I would have never started or continued to save, but the goal was to save what I felt I could, and I have. So if you get a raise, put a full percent or two towards savings or debt so you don't really start to count on it to "live". After a dozen years you'll be surprised how much you're saving, even if it isn't the 15-20% figure everyone recommends, even if it doesn't mean you fit some curve allowing you to retire with 80% of your savings. If you never start, you'll never have anything.
Finally, don't be discouraged when you hit bumps. My networth has gone up an down like a yo-yo over the years based on the decisions my wife and I have made, some good, some bad. But because of the focus on getting ahead, the general trend has been up.
CarolineMolina says:
Thank you for your frank advice. It gives me courage to be frugal just knowing others are also being like that, AND your encouragement. I do just that…leave the credit cards at home unless I have a plan to use them. I have 5 with big big lines of credit but I have limited use to only one and I have only a home equity Line of Credit. Those are my only monthly bills, then the room mate pays for utilities. So that helps alot. I use only cash when possible. And fight the urge to go out to eat. I am 56,divorced and in the real estate business..Yikes! for right now anyway. If it wasn't for my room mate It may be a different senario…
Just Thanks again….I do appreciate your articles ofcourse some more than others. Keep up the Good Work.
Kari says:
In addition to making minor changes to your lifestyle and habits, make a minor change to how you physically spend your money with a reloadable prepaid debit card, like the UPside Visa card. Unlike a debit card from your bank (which many allow overdrafts, getting you into even more debt), you are only able to spend what you put on the card. You are able to fund the card periodically or automatically with allowance schedules, from family, friends and employers. And with multiple plans to choose from, you can find a card that fits you and/or your family's lifestyle, as you can get the card for yourself or one for family members that are either already in need of debt-help or you would like to teach healthy financial living to, like your kids (as young as 13 years of age).
KellyKelly says:
Thanks for saying it doesn't have to be "cold turkey."
I bought clothes last night. I cannot remember the last time I bought clothes. I needed turtlenecks and they are on deep discount now.
I spent $25 for four high-quality articles of clothing. It still felt "wasteful" and "unfrugal" and wrong.
I am sick of walking around in beat-up clothing. I am sick of living in a house that needs repairs and I'm afraid to spend any money.
Trent I am really not trying to take one iota of credit away from you — you did a great thing and a difficult thing when you decided to turn things around.
But it DOES help when you already HAVE the clothes and the toys. I do the thrift store thing, trust me. Where I live it is usually better to wait until the malls do the sales at the end of season. I could pay $12 for a used turtleneck at a thrift store, or $10 for a brand new one at the end of season.
Anyway, just needed to vent a bit. I feel like I cannot get ahead.
Sally says:
@KellyKelly: Wow, if a turtleneck costs $12 at your local thrift stores, then I'd say you're making a good choice. Dang, that's expensive for a used shirt! o_O
KellyKelly says:
I know. Isn't that insane? Sometimes I get VERY lucky at a thrift store, but usually not.
My problem is I think spending ANY money is "bad." So I catch my reflection in the mirror and notice that my business suit is all frayed in the elbows, or that my blouse has a stain I didn't notice under normal lighting.
My debt was from surviving in between jobs, NOT from buying DVDs or toys. I am still wearing clothes I bought 10 years ago. But I have been throwing thing away as they become truly too bad for even me to wear them, and not replacing them.
This is hard.
A in NC says:
Wow, great comments. Almost as informative as the blog itself.
One thing that has become obvious to my husband and myself through our difficult financial journey was that we had to work as a team.
As a result, we are doing it, one "snowflake at a time" AND our marriage is better than ever.
People comment to us how well we are handling a really difficult finacial situation. They don't see the occasional melt downs we experience but they do see two committed people who are a team. A great gift as a result of a hard lesson.
Kathryn says:
I sympathize with KellyKelly…after being so careful, it's hard to even spend money that should be spent. My clothes are getting holes, but I put off replacing them. I can't even enjoy restaurant food because I feel guilty for spending the money. I'm letting things in the house fall apart rather than spend "too much" for the needed repairs.
An interesting topic for discussion would be how to bring some balance to the process for those who get so "into it" that they are forgetting that there are sometimes reasons to spend money.
KellyKelly says:
There was a post about that very topic a week or two ago. Look through the archives.
BradM says:
I love this site. I have found that my biggest vice is eating out. My wife and I have a problem with getting lazy after work and going to eat out. Tonight for example we did "Date night" and spent $50 on food. We have chicken and potatoes at home, I could have eaten for free.
It's hard to break those habits. I have been eating out for years and blown TENS OF THOUSANDS eating at restaurants but I can't seem to stop.
kentuckyliz says:
Excellent post and comments.
One thing that helped me rein in my spending: using a cash envelope wallet system for the spending categories I do "out and about." I figured out the right amount of money per pay period that I needed to fill my envelopes: food, gas, entertainment, and blow, and that's it. It makes me pay attention to my spending and once an envelope is empty, that's it, game over until next payday.
Everyone will have different amounts that will work for them, but for me it's $100 food, $100 gas, $80 entertainment, and $80 blow. Usually I'll have a little money left at the end of the period, and sometimes a lot. This last period I ended up with $230 left over out of the $360! So I put that in an envelope in a safe place at home, as a back-up emergency cash stash, or to put into the savings account, or to set aside for some upcoming business/recreational travels. I usually drive a lot more in the summer, to the lake to go rowing, so it could be the booster gas money envelope. It's nice to have "cushion."
I just have $6400 of student loans left, and I have $7500 in savings while I weather some uncertainties in life–finishing cancer treatment, making sure the medical bills get paid, seeing if there's going to be layoffs in a pinched-budget time in our state. A paid off debt can't pay the bills if I need some survival money to tide me through to the next job. This savings is sleep-well-at-night money. Nothing is as comforting as a steaming hot pile of cash.
When I feel my situation is secure again, I'll pull the trigger on that student loan, because twenty years of debt slavery is quite enough, thankyouverymuch!!!
Best of luck to everyone as they continue the journey to FREEDOM!!!
Chris says:
Commenter Matt above has the thought that to get out of debt one must steal from others, ergo he infringed on our copyright through launching his knockoff site, which he is promoting by commenting here.
This is not a good way to get out of debt. US Copyright Law provides for a reward of up to $25,000 per instance of infraction, that would add to debt. I hope Matt reads this.
Ana says:
I'm so glad to read that post that said the reason they were in debt was due to survival needs, not spending on luxuries. That's my situation, too.
My problem is a tiny income, period. Almost all of my credit card debt is due to paying for necessities my paycheck just doesn't cover. I was working abroad where I made good money and twice paid off large credit card bills that way. Now I'm back here making peanuts.
Time to go back to Asia! I'll have to use my cards again for the initial expenses, increasing the debt temporarily. But by this time next year ALL of my debt will be once again paid off, just like before, and I'll finish the second year with savings in five figures. How about that?
Sometimes you have to look outside the box (border) for answers.
Ana says:
… And, in paying off everything when I'm back in Asia, I will NOT need to deny myself to quite the extent I'm reading here.
I've never owned a new car in my life, in the last decade I've bought few really nice new clothes, I own no jewelry, I've never owned a house … I just don't think after a lifetime of hard work and frugality I should have to deny myself those things I do love. Life is too short.
So I find my own ways to get those zero balances.
Jeffrey L. Wilson says:
Trent, I say this without any hyperbole: this article is one of the most inspiring pieces I've ever read – – online or off.
Much thanks for your works.
steve says:
A 2 percent payment, the standard sized minimum payment, on 17000 is 340 dollars per month. If that was more than your rent two years ago and, as you say, you were pulling in 3×17000 or 51,000 gross per year ($4250 per month before taxes) (plus benefits I'm guessing) then you were extremely well positioned incomewise to do a lightning speed turnaround. I'm guessing you could easily retire 2700-3000 dollars worth of debt per month.
Maybe I'm missing something, but something about these figures doesn't make sense, particularly when contrastedw ith your epiphany that you had when you came home and all the bills added up to more cash than you were going to have for two weeks and you went up and sat with your infant son and decided to make a change. Or perhaps I am confusing two different time periods in your life that you have written about separately.
I guess it's immaterial as the message remains the same–if you have resources available to you, you can focus your efforts and achieve financial goals if you take it step by step and work at it consistently.
steve says:
Immigrant (#37) hit it on the head.
Amazingly enough, many third and fourth generation americans (I am fourth generation; my great grandparents came from Ireland and Italy and Germany in the late 1800s) did not have their values of thrift passed onto them by their parents and have had to learn it ourselves, all the while fighting against the influence of one of the greatest consumption-inducing cultures of the world–the mass media advertising and consumption culture.
"Immigrant's" suggestion to only buy absolute necessities for one year is a fantastic prescription that will effectively kill any tendency to spend money on unnecessary stuff that you cannot afford (and if you aren't on track to provide for your long term financial requirements including retirement, you really can't afford to spend that money. But someone will always be happy to sell you something to take some of that cash for themselves.)
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If ordered today, we estimate your order will be printed, packed and ready for shipment on Thursday, July 28.
Poppy Perfection - Save the Date Card
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Poppy Perfection - Ecru - Save the Date Card
Description and Details
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- Sample Price: Samples range in price from $.99 to $1.99.


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The nature of God includes all aspects and characteristics attributed directly to the person of God, possibly including all the omni- aspects (e.g. omniscience), love, hate, persons (e.g. the Trinity) or other attributes.
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What prompted the second century writers to adopt the concept of οὐσία to refer to God's nature?
My question When did the concept of οὐσία begin to refer to God's nature? has been answered and the answer was actually great. However, the answer has led me to ask another question. Conceptually, ...


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I would like to change color whel yo go over link (orange) in article/page title and website title and subheading.
I would like to have website title in centre and not on the left.
I wouldlike not to have the fixed the head of the site in one of the page.
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Welcome to the Cheff Center!
Cheff is THRILLED to announce we've been selected to participate in this year's ART VAN CHARITY CHALLENGE! We're raising money to purchase and install a Sure Hands Mechanical Lift which will make life easier and safer in our mounting area AND expand services to include clients with more limited transferring capabilities!
AVCC 2016 FAITH CAMICK intro from Art Van Furniture on Vimeo.
Thank you to all our dedicated volunteers, incredible horses, inspiring clients, and generous community supporters, we wouldn't be where we are today- providing life changing therapeutic opportunities year round to those that need and enjoy them most in our area. So THANK YOU! If you have a minute, scroll down and see some of the amazing highlights you made possible in 2015!
If this is your first time landing on our site, welcome! Thanks for stopping by- we hope you stay a while. We're incredibly proud of what we do and would love to share it with you. If you can't find what you're looking for, please don't hesitate to give us a call at 269-731-4471 or shoot us an email at gro.retnecffehc@ofni
Proudly Offering ADVANCED Level PATH Intl. Certification!
For the first time in ages, Cheff will be offering an ADVANCED level PATH International Instructor prep workshop and certification in 2016! We are super excited to be able to provide these opportunities to our Therapeutic Riding industry and look forward to hosting these events. For more information, please check out the PATH International tab on our website menu!Read more Excited to Meet BUSTER the "Bronco"!
Cheff is THRILLED to announce that we have received a grant from #WMU 's School of Public Affairs and Administration Nonprofit Program that will fully fund the purchase of an Equicizer!!! A group of 28 students enrolled in a nonprofit leadership course solicited proposals within our community, completed site visits, and deliberated as a team to choose recipients. We are incredibly honored to have been a part of their learning process and thankful that we were chosen as a 2015 recipient! We can't wait to meet "Buster"!!! Check out this video to learn more about the equicizer! https://youtu.be/rKEFJB1YZ1MRead more
It is a miracle each time we come. Thank you!
If you have any questions, if you want to get on the mailing list, or if you'd like to get involved, call 269-731-4471 or email us!
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Reload the page and try again.
There's a shuttle that goes around campus that's right next to my room.
No parking unless you're an Art or Music major; plan at least 10-15 minutes for finding parking and walking to class AFTER arriving on campus.
Parking decals are free but if youre commuting in the morning to campus, the garages fill up quick so you need to get here early. Theres a lot of parking around the dorms but if you live on campus, you cant move your car to the main campus until after 5pm. During basketball games, North Lake Village parking is impossible.
Permit is free, but even with multiple parking structures, it can be difficult to find a decent spot. Hang your decal or they will nail you for a $30 fine. Dorm students are probably fine without a car, but a must for commuters.
Get there early, and find a spot.
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Parking is difficult on the FGCU campus. The parking seems to get worse every year. If you live on campus, you are not allowed to park on campus (away from the dorms) until after 5. If you live off campus, you can park in one of three parking garages and some lots, but they tend to be crowded. There are always long lines in and out of the parking garages. Oftentimes, students will drive all the way to the top of a parking garage, find there is no parking, and have to drive all the way back down again.
If you know what time to park, then you will be OK. Also, if you come to school about 30 minutes before your class starts, then you should be able to find a parking spot. However, the parking is very difficult if you don't know good parking areas and times to show up. But once you start school, it will be easier to figure out a schedule.
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Wood stay on course
May 12, 2011
Inter Borehamwood have taken the Division Four title race to the last weekend of the season following an 8-2 win over Los Blancos.
Adam Newman (3), Ben Zelouf, Joe Levy, Joel Lassman, Jerome Colmans and Richard Winton were the marksmen.
Outgoing manager Jamie Cole steered North West Neasden A to a 4-2 victory over Neasden B in the Premier Division. James Abrams, Jonny Ellis, Elliot Stern and Simon Cohen wrap up a 4-2 victory. Rob Bloch (2) replied.
Jonny Blain (3), Ben Simon (2), Matty Kleinman and Josh Sugarbread steered Faithfold C to a 7-2 victory over Catford & Bromley in Division Three.
Last updated: 5:01pm, May 12 2011


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Cobb's Comedy Showcase: Top Bay Area Comics Perform
* Additional fees apply. No coupon or promo codes necessary to enjoy the displayed discount price.
The last date listed for Cobb's Comedy Showcase was Thursday July 21, 2016 / 8:00pm.
Currently at Cobb's Comedy Club
Stand-Up Comic Kabir "Kabeezy" Singh (Comedy Central, Starz)
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One of the nation's fastest-rising comedy stars, Kabir Singh is a huge crowd-pleaser with an… More
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It was a fun night. On average the comedians were good. One talked under his breath and I couldn't hear half of what he said but he wasn't very funny so it didn't matter. Another actually made me laugh so hard I cried a little. Overall it was good. Would I do it again? No. I've been to Cobb's and The Punchline dozens of times and I'll hold out for better comedians next time.
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Comedians could have been funnier. Food was OK but wait staff was good. Nice crowd.
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The Cobbs wait staff is always a bit pushy about your 2 drink min
and will keep your card and add things - so stay on the Cobbs wait staff= But the show was expected - 70% laughs and 40% looking at my watch and wondering why i am here --
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Last night was the first Comedy showcase that was disappointing. Only three out of fifteen comedians were funny. But better than sitting home and watching nothing on TV.


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Chrysler is attempting to buy back certain 2008-12 Dodge Ram and Dakota pickup trucks as well as 2009 Dodge Durango and Chrysler Aspen SUVs because of potentially dangerous steering and axel problems. NHTSA recently fined Chrysler $70 million among other penalties as a result of these defects. If you or a loved one have been hurt in an accident in one of these vehicles, please contact us.
The Injury/Product News GUIDE:
Weekly updates on product recalls, injury law news, tips and more. A great resource for Families.
Tuesday, August 18, 2015
Tuesday, March 03, 2015
Are Medical Malpractice Lawsuits Driving Up Health Care Costs?
Defensive Medicine: Myth or fact?
You've probably heard it stated as fact: the risk of crazy lawsuits is forcing doctors to practice defensive medicine, raising the cost of health care. This idea gets spread around a lot, especially during election season or when "tort" reform" is on the agenda. But is it true?
According to a new study published in The New England Journal of Medicine, the idea that defensive medicine leads to higher health care costs is not true. The study looked at data from 1997-2011 in three states that passed tort reform legislation and found that the laws did not reduce doctors' testing behaviors and that:
"… physicians are less motivated by legal risk than they believe themselves to be. Although a practice culture of abundant caution clearly exists, it seems likely that an aversion to legal risk exists in parallel with a more general risk aversion and with other behavioral, cultural, and economic motivations that might affect decision making. When legal risk decreases, the 'path of least resistance ' may still favor resource- intensive care. Our results suggest that malpractice reform may have less effect on costs than has been projected. "
Tort reform, or malpractice reform, succeeds in limiting patients' rights, but does not seem to limit care costs.
That makes defensive medicine a myth.
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* "Treachery," 8 tomorrow night, about parental betrayal.
* "Blood Punch," 10 tomorrow night, a psychological thriller featuring "Power Rangers RPM" actors.
* "Suck It Up Buttercup," 6 p.m. Monday, a dark comedy about drug addiction.
* "Silent Epidemic," 8 p.m. Monday, a documentary that questions whether science really backs up the call to vaccinate.
* "100 Signatures," 4 p.m. Tuesday, a documentary that looks at the political process through a New Jersey congressman.
* "Most Dangerous Ways to Go to School," 6 p.m. Tuesday, a documentary that explores the adventure and risks Third World children face to get an education.
* "Snatched," 8 p.m. Tuesday, a National Lampoon movie about a sportscaster who's donating a kidney but a paperwork snafu prompts an organ error.
Deborah J. Botti
Location, ST | website.com


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Brokeback Chattering
I saw Brokeback Mountain in a packed screening at the Harvard Exit last night, and I will say something Sean Nelson will likely mock me for forever: If you don't cry at this movie, you don't have a heart. Tears welled at the heart-stopping shots of clouds (okay, I'm a dork) at the beginning and pretty much didn't let up.
Meanwhile, the "gay cowboy" repudiations and anxious universalizing that I weighed in on in this issue of the Stranger continue unabated:
Here's Roger Ebert:
"Brokeback Mountain" has been described as "a gay cowboy movie," which is a cruel simplification. It is the story of a time and place where two men are forced to deny the only great passion either one will ever feel. Their tragedy is universal.
More affectionate than cruel, but of course it's a simplification. What two-word summary of a movie isn't?
A critic for the Willamette Week in Portland:
[C]alling Brokeback Mountain a gay western is misleading and wrong. In the most traditional definitions, this is neither a western nor a gay film. And if people can see past the hyperbole and whatever controversy may surround it, they will see Brokeback Mountain for what it is: a brilliant love story that promises to be among the most revolutionary films in years.
Blah, blah. What is the "traditional definition" of a gay film, anyway? And what's this obsession with traditional definitions? Do I smell "defense of marriage/Christmas/insert besieged institution and/or film genre here"?
Frank Rich in the New York Times (can't link because of the subscriber wall):
Though "Brokeback Mountain" is not a western, it's been directed by Ang Lee with the austerity and languorous gait of a John Ford epic.
Err, okay.
And Dave Kehr, the New York Times DVD critic (and my new nemesis, it appears), on his blog:
Drawn out and relentlessly mournful, Ang Lee's "gay western,â which opens this Friday full of Oscar hopes, is not particularly gay nor really a western at least, not in the sense that it engages the deep structure of America's most self-reflective genre.
Well, maybe not my nemesis. At least Kehr spared a clause to back up his claim. Now, what is that "deep structure" exactly? As far as I'm concerned, a movie that freshly interprets the tired Western theme of man struggling against society and engages the iconography of the Old West fits those requirements fine.
However, one such "gay cowboy" repudiation wasn't knee-jerk or particularly anxious. In today's New York Times, Manohla Dargis has an extended take on masculinity in Brokeback Mountain, and it's one of the best analysis pieces she's done to date. Dargis does make the following claim, which I might be expected to deplore: "That 'Brokeback Mountain' quickly and jokingly became known as 'the gay cowboy movie' speaks to the unease surrounding the film's subject, but it also reflects an unfamiliarity with both the West and the western." But unlike the above reviewers, she gets around to exploring her definitions, and it's a great read. From her discussion, it seems that she technically would prefer the movie to be called the "gay post-Western about wannabe cowboys." Which is cool with me.
Here are the very last two things I have to say on the subject: Hollywood hasn't been making Westerns for several decades; any new attempt at the genre is obviously going to be fundamentally different. As for the cowboys not being cowboys: Okay, Ennis is a ranch hand and Jack is a would-be rodeo cowboy. But please, they're not shepherds! That was a summer gig.


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What Is PETA's Stance On Bugs?
Over a year ago
The same as other animals?
Please log in to reply.
Over a year ago
Hey @calielovespeta,
All animals have feelings and have a right to live free from unnecessary suffering—regardless of whether they are considered "pests" or "ugly." PETA encourages nonlethal methods of insect and rodent control whenever possible. 🙂 The good news is that you can control most insects safely and naturally with products that you probably have in your kitchen cabinets right now! Check out some great tips here: http://www.peta.org/about/faq/What-about-insects-and-other-pests.aspx 🙂
@mypetballpython, you can speak out against the cruelty of the pet trade here: http://features.peta2.com/pettrade/learn-more.asp
~Annie from peta2.You must be logged in to reply to this topic.
Over a year ago
PETA probably doesn't give [bleep]. They've never said anything about how pet stores abuse, say, tarantulas ALL THE TIME. I mean, they never do.You must be logged in to reply to this topic.


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Good morning, it's Thursday, May 1, the 121st day of 2014. There are 244 days left in the year. Temperatures will be around 40 at the start of the day and there could be some patchy frost in the predawn hours. Highs this afternoon will be in the lower 70s under a partly sunny sky, but the temperature will drop back into the 40s overnight.
(Today's Forecast And Conditions)
On May 1, 1898—116 years ago today—a tornado struck the Panhandle community of Mobeetie, killing seven people and leveling many of the town's buildings. The commercial center of much of the region through the 1880s, Mobeetie was once considered the "Mother City" of the Panhandle. But when the tornado struck, it was already in a decline that started in 1890 after nearby Fort Elliott was abandoned. More setbacks lay ahead. In 1907 Wheeler County voters decided to make Wheeler the county seat. And in 1929, the Panhandle and Santa Fe Railway line bypassed the town by two miles. The town effectively moved to the rail line and then grew steadily to a peak population of about 500 before the start of World War II. Today it has about 100 residents.
(Check The Community Calendar)
Today's Highlight in Local History:
On May 1, 1897, the Texas Federation of Women's Clubs was founded in Waco.
Today's Highlight in History:
On May 1, 1898, Commodore George Dewey gave the command, "You may fire when you are ready, Gridley," as an American naval force destroyed a Spanish squadron in Manila Bay during the Spanish-American War.
On This Date:
In 1707, the Kingdom of Great Britain was created as a treaty merging England and Scotland took effect.
In 1786, Mozart's opera "The Marriage of Figaro" premiered in Vienna.
In 1911, the song "I Want a Girl (Just Like the Girl That Married Dear Old Dad)," by Harry Von Tilzer and Will Dillon, was first published.
In 1931, New York's 102-story Empire State Building was dedicated. Singer Kate Smith made her debut on CBS Radio on her 24th birthday.
In 1941, the Orson Welles motion picture "Citizen Kane" premiered in New York.
In 1960, the Soviet Union shot down an American U-2 reconnaissance plane over Sverdlovsk and captured its pilot, Francis Gary Powers.
In 1961, the first U.S. airline hijacking took place as Antulio Ramirez Ortiz, a Miami electrician, commandeered a National Airlines plane that was en route to Key West, Fla., and forced the pilot to fly to Cuba.
In 1963, James W. Whittaker became the first American to conquer Mount Everest as he and Sherpa guide Nawang Gombu reached the summit.
In 1964, the computer programming language BASIC (Beginner's All-Purpose Symbolic Instruction Code) was created by Dartmouth College professors John G. Kemeny and Thomas E. Kurtz.
In 1971, the intercity passenger rail service Amtrak went into operation.
In 1982, the World's Fair in Knoxville, Tenn., was opened by President Ronald Reagan.
In 1992, on the third day of the Los Angeles riots, a visibly shaken Rodney King appeared in public to appeal for calm, pleading, "Can we all get along?"
Ten years ago:
Attackers stormed the offices of Houston-based ABB Lummus Global Inc. in Yanbu, Saudi Arabia, killing six Westerners and a Saudi; all four attackers were killed after an hour-long police chase in which they dragged the body of an American from the bumper of their car. The European Union swelled from 15 nations to 25 by taking in the Czech Republic, Estonia, Hungary, Latvia, Lithuania, Poland, Slovakia and Slovenia, along with the Mediterranean nations of Cyprus and Malta. Smarty Jones won the Kentucky Derby.
Five years ago:
Supreme Court Justice David Souter announced his retirement effective at the end of the court's term in late June. (President Barack Obama chose federal judge Sonia Sotomayor to succeed him.) Singer-actor-impressionist Danny Gans, one of Las Vegas' most popular entertainers, died at age 52.
One year ago: Workers around the world united in anger during May Day rallies - from fury in Europe over austerity measures that cut wages, reduced benefits and eliminated many jobs altogether, to rage in Asia over relentlessly low pay, the rising cost of living and hideous working conditions. Portland Trail Blazers point guard Damian Lillard was a unanimous choice as the NBA's Rookie of the Year. Chris Kelly, 34, half of the 1990s kid rap duo Kris Kross, died in Atlanta.
One year ago:
Country singer Sonny James is 85. Singer Judy Collins is 75. Actor Stephen Macht is 72. Singer Rita Coolidge is 69. Pop singer Nick Fortuna (The Buckinghams) is 68. Actor-director Douglas Barr is 65. Actor Dann Florek is 63. Singer-songwriter Ray Parker Jr. is 60. Hall of Fame jockey Steve Cauthen is 54. Actress Maia Morgenstern is 52. Country singer Wayne Hancock is 49. Actor Charlie Schlatter is 48. Country singer Tim McGraw is 47. Rock musician Johnny Colt is 46. Rock musician D'Arcy is 46. Movie director Wes Anderson is 45. Actress Julie Benz is 42. Actor Bailey Chase is 42. Country singer Cory Morrow is 42. Gospel/rhythm-and-blues singer Tina Campbell (Mary Mary) is 40. Actor Darius McCrary is 38. Actor Jamie Dornan (Film: "Fifty Shades of Grey") is 32. Actress Kerry Bishe is 30.
Today's Birthdays:
"By indignities men come to dignities." - Francis Bacon, English philosopher (1561-1626).
Thought for Today:
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Unfourtunately some of the drams you selected for your are now out of stock :(
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This 12 year old is the new entry level bottling from Glenkinchie, released in 2007 to replace the 10 year old. More info
Matured in ex-bourbon casks for 12 years, this Old Pulteney malt was a Double Gold winner at the 2006 San Francisco World Spirits Competition. More info
The new, relaunched 12 year old, this single malt has been bottled at a slightly higher proof, negating the necessity for chill-filtration and as such retaining more of its original charm. A lovely… More info
This is the second addition to the 'Spot' range of Irish whiskies, which contains the famous Green Spot Pot Still Whiskey. The Yellow Spot is a single pot still Irish whiskey which has been matured… More info
Knockdhu renamed their whiskies anCnoc to avoid confusion with the nearby Knockando distillery. This 12 year old exhibits a gentle, non-sherried style of whisky. More info
This entry level Bunnahabhain bottling comes in a redesigned bottle. This 12 year old is lightly peated for an Islay single malt and consequently is a light, fresh dram. Now at the higher strength of… More info
A 12 year old blended whisky, one of the world's most famous blends. Johnnie Walker Black is a blend of around 40 whiskies, very well put together. More info
Launched in late 2008 to replace the previous 12 year old, this single malt from the Dalmore distillery is a toasty, coffee-rich dram with beautifully spice notes and a thick mouthfeel. Very rich for… More info
The Glendronach 12 Year Old Sauternes Cask Finish single malt is initially matured in European oak before being moved over to casks which previous held the sweet wine. The result is elegant and… More info
This 12 year old is the entry level bottling from the Caol Ila distillery, launched in June of 2002 this expression is light and fresh with that distinctive Caol Ila smoke. More info
Nectar D'Or is probably a reference to the golden nectar that was previously held in the casks used to finish the whisky. This is a sauternes finished single malt from the Glenmorangie distillery, a… More info
If your 'Ardbeg-senses' just started tingling, it's likely because we've independently bottled a fantastic 12 year old Ardbeg single malt! This was distilled in April 2003 and matured in a refill… More info
A rounded, smooth blend, the Antiquary 12 year old is a great whisky which Jim Murray awarded an incredible 92 points to in his 2013 Whisky Bible. More info
The 12 year old expression in Balvenie's travel retail Triple Cask range is made with whisky matured in three different types of cask, namely first-fill American oak barrels, traditional refill casks… More info
The classic 12 Year Old Aberfeldy single malt Scotch whisky, distilled in the Highlands. While the label sadly no longer features a red squirrel, it now comes with a rather handsome black and… More info
The 12 year old expression from The Macallan Fine Oak Range, matured in a selection of American and European oak casks seasoned with Sherry, as well as American oak casks seasoned with bourbon. More info
A 12 year old from the Highlands distillery, GlenDronach, a very heavily sherried single malt. More info
A delightful Pure Pot Still Irish whiskey, Redbreast 12 is highly praised by Jim Murray and a host of other notable whisky critics. Named 'Overall Irish Whiskey of the Year' at the 2013 Irish Whiskey… More info
Aged in refill American oak casks before being finished in first fill European oak Sherry casks, DoubleWood is an excellent example of what the Balvenie distillery can craft, even at 12 years. More info
Released in 2013, Balvenie's Single Barrel First Fill was matured in first-fill bourbon casks for at least 12 years before bottling. These are limited edition bottlings, with each bottle being one of… More info
This 12 year old was distillery at the Lochnagar distillery, once visited by Queen Victoria when she was staying at nearby Balmoral. More info
Quinta Ruban is Glenmorangie's port finish. To craft this single malt they specially selected Port pipes from the Douro valley in Portugal. More info
A sherry wood matured 12 year old from Macallan, a superbly balanced affair, one of the best of its age group. More info
An independently bottled Laphroaig single malt Scotch whisky! The label stars the chaps off of Living Room Whisky, who, of course, managed to track down one of Dr. E. Brown's messages in a bottle on… More info
A rare limited release 12 year old Highland Park, created for the Scandinavian market, there are 3,900 bottles of this in the world. More info


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Oklahoma ex-cop guilty of 18 counts in sex assaults trial
A former Oklahoma City police officer was convicted Thursday of raping and sexually victimizing eight women on his police beat in a minority…
A former Oklahoma City police officer was convicted Thursday of raping and sexually victimizing eight women on his police beat in a minority…
The Topeka Post Office has released guidelines to ensure that your mail arrives at a military or international destination in time for the h…
Darby Hirsch from Washburn Rural High School is our Kaw Valley Bank Scholar Athlete of the Week, sponsored by Gage Dental Group.
The Highland Park boys basketball team lost in overtime in the semifinal round of the Blue Valley Shootout on Thursday night.
The law taking effect in August requires public universities to designate specific areas where people with concealed handgun permits can car…
The Kansas City Council was told that a new single terminal would cost about $964 million. Renovations were estimated to cost over a billion…
A 40-year-old soldier from Fort Riley was driving a Harley Davidson and another person was driving a Camry when the crash occurred.
Golden Heart Bike Club and Jingle Bell Ride help children & families.
The Kansas volleyball team will take on Loyola Marymount in the Sweet 16 on Friday night in San Diego.
The year's biggest movie comes out in just a week, so local businesses talked to KSNT News about the hottest Star Wars items and trends.
A Missouri man has been reunited with his 9-year-old and 11-year-old daughters after his ex-wife allegedly took them and fled to Europe.
Should the court declare a 2014 law unconstitutional and lose all funding in 2017 or give up some of it's administrative power?
The Kansas City Royals announced the signing of Joakim Soria on Thursday afternoon.
Abduljaleel Alarbash, who died after trying to stop a suicide bomber in Saudi Arabia, will receive an honorary degree.
A legislative committee delayed approval of an audit of Department of Children and Families, which has been accused of discriminating agains…
Families of gun violence victims in Newtown and Aurora demand new gun laws on Capitol Hill.
A Topeka city councilman has denied allegations that he physically abused his 12-year-old son.
Investigators believed he was just passing through Utah, but didn't know where he was headed or what he was doing in Utah.


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Who's the NL Cy Young?
Updated: November 14, 2012, 10:12 AM ETESPN.com
Below are the finalists for the National League Cy Young Award, which will be announced Wednesday at 6:47 p.m. ET.
ESPN.com asked a panel of contributors to choose which player should take home the award, and the results are listed below:
• Past AL and NL Cy Young Award winners • NL pitching stats: ERA » WAR »
PANEL OF VOTERS: Aaron Boone, Jim Bowden, Dave Cameron, Jim Caple, Tristan Cockcroft, Jerry Crasnick, ...
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bridge the gap 2
Win A Copy Of Bridge The Gap 2
Captain Sneer and his scurvy scalawags are in search of booty across five different islands. However, they're more of the following type, which means it's up to you to guide them.
Sean Capelle
| June 27


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Hallabaloo- noun (hall-'a-bah-loo) competition among the different residence halls consisting of fun 'field day' style activities.
Every fall semester Housing and Residence Life hosts a hall vs. hall competition known as Hallabaloo. Students who live on campus team up with residents from their respective hall to compete against the other halls on campus. Each year Hallabaloo has a unique theme with this year's theme being Superheroes. This year's competition was held during the week of Sept. 14-18.For additional information please contact Mark McNalley at email@example.com.


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When a team from Dodge City Middle School travels to California next week, it'll be not only to represent their building, but Dodge City Public Schools and the Dodge City community as a whole. The school is one of only two middle schools selected to present at the first ever Regional Breaking Ranks School Showcase. Only one other Kansas school was selected to participate.
"[Being selected] is about our community having faith in our educational system. They know that when they send their kid to school, they're going to be getting a quality education at all of our schools," DCMS Principal Michael King said. "We are student centered and the community can see the value in the education our students are receiving. We've raised the bar to that level so people know that if you go to Dodge City Public Schools, you are going to attend a quality school and the kids are going to be taken care of."
Sustaining that student-centered school culture is at the heart of the hour-long presentation the group is scheduled to deliver in San Diego.
"It's a positive culture where teachers truly believe in students and students are developing a belief in themselves," King said. "We are an advocacy for children and we reach every child – not just a select group of children. It's every child. "
The group honored with speaking for DCMS includes Sarah Schaeffer, Lisa Pelton, Faye Wells and Linda Holeman.
"We are honored to be able to represent our group but this is certainly not just our story or our journey," Pelton said. "We are taking the voice of our entire faculty and our students and sharing the great improvements we have made in our school - improvements we are very proud of."
Those changes include a complete shift in the culture of the school.
"What we have done is taken a school that was all but broken and turned it into one that serves all the needs of every student who walks in the front door," Schaeffer said. "With Mr. King's leadership and help, and the administration we have in this building, everybody is a stake holder in this school. From the kids to the staff, we all have a voice now and that's what [the focus of our presentation] is."
And it's something representatives with the National Association of Secondary School Principals wanted DCMS to share with others.
"This Regional Showcase provides a wonderful opportunity to learn from and interact with principals, teacher leaders, and students representing exemplary middle-level and high school practices" said JoAnn Bartoletti, NASSP executive director. "Schools are chosen to present on the basis of their outstanding reputations for quality and innovative practices with challenging populations."
Page 2 of 2 - According to Pelton, while the national recognition has been an added bonus, it was certainly not the purpose of the shift DCMS has experienced.
"It's been such a long journey from where we used to be to where we are now and everybody has worked very hard to improve the education, the culture and climate of the building," she said. "We did it for our students and we did it for our staff, to make it a better place."
And a better place it is. Wells echoed that sentiment, saying 'we love to come to work.'
"If you build that culture as a foundation, you can't even fathom what's going to come next and that's what we're starting to experience is the success of our students," she said. "We believed we had to start with changing the culture of our building."
And that belief can now embolden other schools to emulate the success DCMS is enjoying.
"The schools presenting at this first Regional Showcase are truly inspirational," said Jason Midwood, CSSR director of quality assurance. "As they share their stories of implementing the Breaking Ranks Framework, participants will become energized about the possibilities. By engaging in deep conversation around specific student-centered challenges schools on the west coast are faced with, they will learn strategies that can be implemented in their own learning environments so that transformational change can take place."
The presentation is the product of almost five months' worth of work on the part of the group representing DCMS and showcases videotaped segments from staff members. It includes information about DCMS demographics, the community, the school and the district.
"We talk about how we changed the school's environment, what the turning points were, how we redefined leadership in our building and our next steps," Wells said. "We end with where we are heading."
And where is DCMS headed?
"This is an ongoing process," Schaeffer said. "Are we finished? No. We're very pleased with where we are right now but we understand, at the same time, that every day we need to be better. "
"It'd be real easy to settle but we're not going to settle," King added. "It's not an option. There's no excuse for not moving forward and for not getting better."
But next week, DCMS can take just a minute to bask in both the glow of all their hard work and the California sun.
"Success feels good," Wells said. "It feels good for our staff; it feels good for our kids. Success just feels good."
Location, ST | website.com


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Dealing with blind spots.
July 22, 2016
There is a great difference between accepting undocumented students and making college truly accessible for them, argues Lily McKeage.
July 21, 2016
Calling Melania Trump a plagiarist gives her a kind of agency the Trump campaign probably didn't intend for her to have, argues Jonathan Beecher Field, and the incident involves far larger issues.
Recent Articles
July 21, 2016 - 9:10pm
July 21, 2016 - 9:00pm
Quantifying an open online learning platform.
July 21, 2016 - 7:15pm
Some tenure and promotion committees for librarians need a brush-up on how to judge the quality of scholarship. Not to mention where their discipline has gone since they stopped paying attention.
January 30, 2009
U of All People upgrades its methods for preparing faculty members, and David Galef is there.
January 29, 2009
Poets -- and others in the humanities -- should be wary of the National Survey of Student Engagement and other assessment tools, but should also look for ways to use them that make educational and disciplinary sense, writes Anna Leahy.
January 28, 2009
A new book chronicles the aftermath of the MLK assassination. Scott McLemee interviews the author.
January 27, 2009
Some academics and critics may sneer at Malcolm Gladwell, but Rachel Toor celebrates the New Yorker writer's love of ideas, his entertaining and inviting writing style -- and, yes, his hair.
January 27, 2009
Once at the core of their colleges, faculty members are being marginalized and increasingly ignored by their institutions and, now, by the federal government, Bernard Fryshman argues.
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I could use a little bit of guidance in choosing the right gallery/lightbox solution for what we're trying to accomplish. I've looked at a bunch of them, and between the similarities and the poor documentation, I can't quite figure where to start.
We need X number of multiple galleries, each containing Y photos, with captions. Each gallery has different photos.
We need to be able to link to each gallery from a text link - click here to view gallery 1, click here to view gallery 2, etc. Need prev/next navigation within each gal.
We're stuck on 2.6 for a while, so it looks like nextgen gallery won't work. Is there something simpler/more elegant that I'm missing?


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Screenshot instructions:
Red Hat Linux Ubuntu
Click URL instructions:
Right-click on ad, choose "Copy Link", then paste here →
(This may not be possible with some types of ads)
On 2009-11-13, at 8:50 AM, alexander a donkov wrote: > Dear Paul Khuong, > my name is alexander, i am a beginner user of sbcl (about a year). > I noticed your blog on complex float improvements in sbcl, x86-64, > and that is why i am addressing this email to you. > > i noticed that the current 1.0.32 sbcl, at least when installed on > my mac, gives a different result when a real number is added to a > complex number with -0.0 imaginary part. [...] > Perhaps, the real number is now promoted to complex with a zero im > part, which is mostly ok, but comes into trouble when signed zeros > are considered. > My understanding of the problem with dealing with signed zeros comes > from the Kahan's article on complex arithmetic: > http://www.eecs.berkeley.edu/Pubs/TechRpts/1992/CSD-92-667.pdf This is intentional. The CL specification explicitly demands that (+ real complex) [or any other arithmetic operation] be equivalent to (+ real (complex complex)). Since we do not have a special case for complex floats with an exactly zero imaginary part, signed zeros get absorbed. Either interpretation of real-complex arithmetic isn't hard to implement, but we should first decide whether we want to stray from the spec on that topic. Paul Khuong
On 2009-11-17, at 7:38 AM, alexander a donkov wrote: > sorry to bother you again about this topic. > i took your word that it would not be hard to change the complex+/-real operation for my needs. > My question is besides the float-tran.lisp file where else should i look to make that change? > I did change the four lines in float-tran.lisp with explicit coerce 0, but after compilation it still adds the real and complex as if promoting the real number to a complex with zero im part. in src/compiler/x86-64/float.lisp, look for (def-real-complex-op + t nil addps +/real-complex-single-float +/complex-real-single-float 3 addpd +/real-complex-double-float +/complex-real-double-float 4) (def-real-complex-op - nil nil subps -/real-complex-single-float -/complex-real-single-float 3 subpd -/real-complex-double-float -/complex-real-double-float 4) and replace that with (def-real-complex-op + t nil addss +/real-complex-single-float +/complex-real-single-float 3 addsd +/real-complex-double-float +/complex-real-double-float 4) (def-real-complex-op - nil nil subss -/real-complex-single-float -/complex-real-single-float 3 subsd -/real-complex-double-float -/complex-real-double-float 4) Save, and start a fresh build. Paul Khuong
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Hello, i have a fresh installation of WordPress and i have already a nasty bug...
I've installed the plugin Gengo (for multilingual content); and the links in the admin menu are broken : I have no submenus, and URLs are broken : for example, the url is wordpress/wp-admin/wp-content/plugins/gengo/gengo_languages_page.php instead of
It's a real problem for me !!!
I read a post that is maybe to read :
Bug with add_menu_page and MU plugins
I made the fix but the problem is still the same.
Could you help me please ???


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, 42:453
First online:
Reconstructing riverine paleo-flow regimes using subfossil insects (Coleoptera and Trichoptera): the application of the LIFE methodology to paleochannel sediments
- Lynda C. HowardAffiliated withDepartment of Geography, Loughborough University Email author
- , Paul J. WoodAffiliated withDepartment of Geography, Loughborough University
- , Malcolm T. GreenwoodAffiliated withDepartment of Geography, Loughborough University
- , Helen M. RendellAffiliated withDepartment of Geography, Loughborough University
Rent the article at a discountRent now
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Sub-fossil insect remains have the potential to characterise changing environmental conditions in both lentic and lotic water systems, however, relatively few studies have been undertaken in riverine environments. This paper uses sub-fossil caddisfly larvae (Trichoptera) and aquatic beetles (Coleoptera) to reconstruct river flow conditions for a large paleochannel (from multiple monoliths) using the Lotic invertebrate Index for Flow Evaluation (LIFE). Examination of the larval Trichoptera and Coleoptera remains indicated a marked change in the community and flow environment, as suggested by paleoLIFE scores within the profile of three of the monoliths examined. At the base of the channel the community was characterised by taxa indicative of high energy lotic habitats with predominantly mineral substrates (e.g. Trichoptera: Hydropsyche contubernalis and Brachycentrus subnubilis, Coleoptera: Elmis aenea and Esolus parallelepipedus). Within three of the monoliths there was a change in community composition to one indicative of a low energy backwater/lentic environment with abundant submerged and emergent vegetation (e.g. Trichoptera: Phryganea bipunctata and Limnephilus flavicornis, Coleoptera: Colymbetes fuscus and Hydrobius fuscipes). Detrended Correspondence Analysis (DCA) and loss of mass on ignition (LOI) indicated the presence of a strong environmental gradient within the data, associated with river flow. The utilisation of two aquatic insect orders provides clear evidence of temporal changes within the instream community and when combined with knowledge of ecological and habitat associations, allows differences between the two groups to be interpreted more clearly.
KeywordsAquatic beetles Caddisfly larvae Lotic invertebrate Index for Flow Evaluation Paleohydrology River flow variability
Reference tools
- Title
- Reconstructing riverine paleo-flow regimes using subfossil insects (Coleoptera and Trichoptera): the application of the LIFE methodology to paleochannel sediments
- Journal
Journal of Paleolimnology
- Online Date
- December 2008
- 10.1007/s10933-008-9298-z
- Print ISSN
- 0921-2728
- Online ISSN
- 1573-0417
- Publisher
- Springer Netherlands
- Additional Links
- Topics
- Keywords
- Aquatic beetles
- Caddisfly larvae
- Lotic invertebrate Index for Flow Evaluation
- Paleohydrology
- River flow variability
- Industry Sectors
- Authors
- Lynda C. Howard (1)
- Paul J. Wood (1)
- Malcolm T. Greenwood (1)
- Helen M. Rendell (1)
- Author Affiliations
- 1. Department of Geography, Loughborough University, Loughborough, Leicestershire, LE11 3TU, UK


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Favstar gets even better if you sign in.
when you get your hands on the new ipad, please visit http://t.co/BGWBglUK — now in retina resolution. my team rocked it. :)
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10. Martha's Vineyard, Massachusetts
Zanuck/Brown Productions
JawsAlthough it's set on the fictional "Amity Island," Steven Spielberg's horror film was actually shot on this beachside isle off the coast of Massachusetts. Spielberg even cast two local kids as Sheriff Brody's oldest and youngest sons.
Probably the biggest reason why this location was chosen is that even 12 miles out to sea, the bottom is only about 30-feet deep, making it easier for the mechanical shark to work well. And, apparently, the fear of shark attacks didn't scare off any tourists: After the film's release, the tourist population tripled, thus ensuring that Jaws would never go hungry.


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We are now auditioning sopranos, experienced in
choral singing. For an appointment, please contact Sue Halliday, email@example.com, or call (781) 863-8245 (before 10 pm), or email firstname.lastname@example.com.
The Master Singers of Lexington is an outstanding 30-voice chamber chorus that provides an exceptional musical experience in a suburban location minutes from Routes 2, 3 and 128. Under the leadership of Adam Grossman, the ensemble is noted for inventive programming and compelling performances. Dedicated singers from communities throughout Greater Boston enjoy singing with this wonderful ensemble.
The 2015-16 season includes newly commissioned pieces by a six local composers, as well as works by Bach, Barber, includes works by Mozart, Buxtehude, Copland, Irving Fine, Vincent d'Indy and others, as well as a newly commissioned piece by local composer John McDonald. Our annual Pops concert features works by Arlen, Flanders and Swann, Loesser, Porter, Rossini and others. Concerts are performed with chamber orchestra, guest artists, piano, and a cappella. Soloists are typically drawn from the membership.
Rehearsals are Wednesday nights,
7:30-10:00, at First Parish Church,
7 Harrington Road, on the Battle Green in Lexington Center, which is handicapped accessible and offers ample free parking.
Auditions for interested singers will include vocalizing, performing a prepared piece, and sight reading.


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In This Section
Journal Forum
A Meta-Analysis of High Resolution Audio Perceptual Evaluation - June 2016
2 comments
Synthetic Reverberator - January 1960
3 comments
Sound Board: High-Resolution Audio - October 2015
4 comments
AES E-Library
Design Considerations for a Compact, Low Cost Correlation/Phase Indicator
Introduced over 30 years ago, X/Y oscilloscopes for monitoring stereo / mono compatibility are now considered standard equipment. The bulk, weight and cost of oscilloscopes, as well as the interpretive skills they demand of the user, have all too frequently pushed engineers into doing without this valuable tool rather than accommodating it. This paper will present design considerations for a compact, easily interpreted LED bar-graph meter which would replace traditional X/Y displays in a variety of audio production, maintenance, and transmission applications. It will uncover common misnomers in terminology pertaining to stereo measurements, and explore the concept of correlation.
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Start a discussion about this paper!


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By default, the Windows key will go to the start screen on Windows 8. But I'm using this program called Pokki that adds a classic Windows-like (pre-Win 8) start menu to Windows 8. And I've enabled the option to invoke Pokki when the Windows key is pressed. The problem now is that I have no way to get to the Windows start screen using a keyboard shortcut. I know in another start menu replacement app (Classic Shell, I believe), there is the option to have Ctrl+Windows bring up the Windows 8 start screen.
My question is: Is there a way to assign Ctrl+Windows as the keystroke that will bring up the Windows 8 start screen? Thanks.


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Ty Kiisel
The alarm went off at 4 a.m. — an early wake-up call on vacation — but we had to catch some fish for my daughter's wedding dinner. About a year ago she announced that she and her soon-to-be husband wanted to get married on the beach in La Paz, Mexico. She had arranged this little fishing excursion so we could serve fresh fish at her wedding.
La Paz is an off-the-beaten-path little town about 100 miles north of Cabo San Lucas on the Sea of Cortez. If you haven't heard of it before, you're not alone—neither had we.
Fourteen of us — including my daughter — were on the water taxi at 5 a.m. headed for the van that would take us to our seven small fishing boats for a day of hunting marlin and dorado (mahi mahi in Hawaii).
I'll freely admit to a little trepidation looking at just how small the boat was, but our able captain Martin, deftly took us out into the open water while he rigged and dropped our lures.
Other than some basic greetings, I spoke no Spanish and he spoke no English. Fortunately, my son Steve spoke a little Spanish and we got acquainted as we started our adventure. After spending eight hours on the boat together cobbling together the Spanish we knew and the English he knew, I discovered those things we shared in common were greater than our differences.
From the outside, it could have appeared that Martin was nothing more than a local fisherman, but that would be mistake. He's a pretty savvy entrepreneur. And, I can think of dozens of small businesses I regularly patronize that could learn a thing or two about customer service from my new friend.
The first thing I met was his smile: It didn't matter that aside from a few pleasantries (I already mentioned I didn't speak much Spanish and he spoke even less English), I liked Martin from the start. It was obvious he was happy to be there, was happy to have us join him in his boat and he was going to do everything he could to make sure we had a good time and caught some fish. Sometimes, as a customer, I've felt like a distraction. I'm sure the employees who made me feel that way didn't intend to, but nonetheless they did. It was obvious by Martin's manner that my son and I were the focus of the expedition that day.
Your brand is who you are, not who you say you are: My daughter made the reservation for our fishing trip with an outfitter who was originally from Canada. I'm sure we were a big group for him. I'm sure he didn't have a fleet of seven fishing boats. I'd be surprised if he had more than one. So to accommodate our group, he contracted with locals. Our captain was part of a family of four or five boats operated by his cousins, brother-in-law, and maybe a nephew or two — all were part of the seven. They were a great example of very small businesses working together to compete with bigger outfitters. When I asked him who was the "patron" or boss, he said, "Today it is my brother-in-law, but most days it's me." On the return trip to La Paz, when I asked the rest of the group about their experience, everyone had the same experience we did. I'm sure the outfitter chose the boats based upon his experience with them (and their brand) and the recommendation of Martin's "patron" for the day. Your brand follows you, whether you're the Capitan of an 18-foot open fishing boat or the owner of a local bookstore on the corner.
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