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What to Do if You're Declined for Credit
Being declined for credit is no fun. It can be demoralizing, whether you are being turned down for a credit card, a car loan, or a mortgage. Here is what to do if you have been turned down for credit:
Find Out Why You Were Turned Down
When you are denied credit, the creditor has to explain why you were turned down. You will receive an adverse action letter soon after you are turned down. This letter will tell you why you were turned down, and include information on the credit reporting agency that provided information about your credit history.
You are entitled to a free credit report from the agency that provided the information, as well as free access to the credit score that was used in determining your credit worthiness. Write to the credit reporting agency and ask for a copy of your report and score.
The adverse action letter should tell you why you were turned down – whether it was an income issue, or a credit issue. If it was a credit issue, you should go through your credit history to see what could be holding you back.
Work to Remedy the Situation
If your problem is an income issue, you will need to find a way to make more money if you want to be approved the next time you apply for credit. In some cases, the issue is that you already have a high amount of debt relative to your income. You might still have a good credit score, but the creditor might be uncomfortable straining your income with another debt payment. Paying down some of your debt can help in this instance.
When your problem is credit, though, you need to boost your credit score. Check over your free credit report. If you think that you should have good credit, look for mistakes on your credit report, as well as evidence of fraudulent accounts that indicate that someone has stolen your identity. You can clear up these problems and see improvement in your credit score.
Sometimes, though, your credit history is legitimately problematic. In those cases, you will need to take steps to improve your habits. The best things you can do are to make your payments on time and to reduce your debt load. After a few months, you should see some improvement in your credit score, and you can try to apply for credit again.
You can also get a form of credit that is easier to obtain, such as a secured credit card or a loan with a co-signer. These types of loans can help you rebuild your credit – as long as you are careful to make your payments on time and in full.
Should You Apply for Credit Again Right After Being Turned Down?
Some consumers turn around and apply for more credit right after being turned down. You have to be careful in these circumstances. Several inquiries in a short period of time can be a red flag that you are desperate for credit. It does take a few days for a credit inquiry to show up, so you might find success if you are quick about applying another time.
Really, though, you are probably better off trying to address the problem, rather than hurrying off to try to qualify for a loan again.
If you are applying for a larger loan, especially if you plan to apply for a mortgage, you will be better served by planning ahead and looking at your credit before you turn in the application. That way, you can catch problems ahead of time and fix them before you are turned down.
Have you ever been declined for credit? Leave a comment and tell us how you worked around it!
This article was originally published January 15th, 2013.
Socially Responsible Investing for Beginners
Chances are that you feel strongly about certain issues confronting society today. Perhaps you strongly believe in environmental protection. Maybe you think stem cell research is wrong. From support of human rights to opposition to the gambling industry, there are a number of political policy positions to hold.
However, no matter how much support you verbally express for a position, there is a chance that you are undermining the very things that you stand for by investing in a way that gives money (and increased power) to the causes that you want to fight against.
What is Socially Responsible Investing?
If you are interested in putting your money where your beliefs are, you can become involved with socially responsible investing.
Socially responsible investing is all about being conscientious about where you invest your money. You think about your ideals and priorities, and then invest in companies and assets that reflect those ideals. At the very least, you make it a point to avoid investing in ventures that are in direct opposition to your closely held beliefs.
How Do You Know Whether Your Investments Reflect Your Values?
Once you decide that you want to invest in a socially responsible manner, you need to figure out which investments are in line with your priorities – and which probably ought to be dumped.
One of the first places to look is in your mutual fund holdings. You might be surprised to find that the mutual fund that you invest in has holdings in companies you might not agree with. Someone devoted clean energy projects might be horrified to find that many mutual funds invest in big oil companies.
Likewise, those against tobacco might be shocked to discover that their investment dollars are supporting Philip Morris, a popular company amongst mutual funds.
If you are looking for funds that are likely to match your particular values, you can look at the USSIF web site, as well as visit SocialFunds.com. GreenMoney.com provides a look at companies that support sustainable practices, and environmentally friendly investing.
If you are more interested in Christian/Bible based investing, New Covenant Funds provides you with the opportunity to help charities, and invest in line with the Presbyterian Church and GuideStone Funds offers a variety of Christian-based mutual funds.
If you are interested in investing according to the principles of Catholicism, there are the Ave Maria Funds, and if you are follow the Islamic faith, there are Amana Funds.
With a little research, you can get an idea of which companies and funds reflect your most important values, and choose to invest in those assets. Whether you are interested in fighting poverty in Jewish communities, or whether you want to support efforts to develop clean energy, there are funds and individual companies that can help you invest according to your values.
Doing Your Due Diligence
It's important that you perform due diligence before you make any investment decision. Even if you really want to support a cause with your investment, it's vital that you do a little background check. Read the prospectus for a mutual fund before you invest, and read up on it. If you want to invest in a company, check the financials, and use a stock screener to double-check performance and other factors.
There are plenty of scammers out there willing to prey on your desire to make the world a better place with your investment. Don't invest in something someone else approaches you with. Instead, go out and find a legitimate company or fund with solid prospects to invest in. With a little research, you can ensure that you aren't profiting from positions you find morally untenable.
What other socially responsible funds do you like? Leave a comment!
This article was originally published January 24, 2013.
What to Do After a Layoff
Deciding what to do after a layoff is tricky because there are so many things to think about at once when you're laid off. You worry about how to pay your bills, find a new job, handle your expiring benefits, find health insurance, tell your friends and family, and relaunch your career.
To help you know where to start I put together the "5 Hour Layoff Kickstart" that walks you through what to consider and what to do right after a layoff. You can get the report by calling me, toll free – 1-844-2NEWJOB.
A layoff feels devastating not only because it's so unexpected but also because it can turn your whole life upside down. It's not just your job that's been rudely interrupted – it's your ability to pay bills, provide benefits for your family, and even pursue your life plans. It feels like everything changes in just a few minutes after that brief phone call or layoff meeting.
The rest of this article talks about some important steps to take after a layoff but if you'd like more in-depth information about surviving a layoff and a plan for hour-by-hour & day-by-day action then submit your email below or call me at 1-844-2NEWJOB:
It's important that you take immediate action when you are laid off. Here are the things to do right after a layoff:
1. Find out about your severance package.
Ask the human resources representative about your severance package. With a layoff, you might receive full or reduced pay temporarily. You might also have access to healthcare benefits and other benefits for a set period of time after your layoff.
However, it's important to realize that some of these benefits might cost more. COBRA, for example, is very expensive. You will have to plan for the reality after your layoff.
2. Apply for unemployment benefits.
Next, apply for unemployment benefits. If you are eligible for these benefits, they can help you provide for your family as you look for another job to help you get back on your feet.
You should also find out about other public assistance programs that might be able to help you along while you are looking for a job. If you qualify for certain programs, it makes sense to take advantage of them while you look for another source of income. Remember: It's more about providing for your family than your pride.
3. Prioritize your expenses.
You need to take a hard look at your budget. To tell the truth, it's better if you have looked at your expenses and prioritized them before your layoff.
Take a look at where your money is going, and prioritize the spending. Cut out the items that you don't need, and that can drain your bank account. You can also look at where you can cut back by saving money on energy, groceries, and in other categories. Consider using frugal tactics to help you make changes with your budget so that your dollars stretch further.
4. Brush up your career paperwork.
If you haven't kept your resume up to date, now is the time to clean it up. You should also tweak your cover letter.
Let your network know you're looking for work. Someone might be able to point you in the right direction. It's better if you have maintained a career network over time, but if you haven't, you should work to remedy that lack as quickly as possible.
Attend networking events, and participate in workshops designed to help you improve your resume and your interview skills. Many cities and states have workforce service departments. You can receive help with your career paperwork by making use of these resources.
5. Consider alternative ways to make money.
Now that you are squared away with your unemployment benefits, and you've reformed your budget and done what you can for your career, it's time to consider alternative ways to make money.
Hopefully you have an emergency fund that can provide you with a little help remaining financially solvent. However, even supplemented by unemployment benefits, your emergency fund isn't going to last forever. You can get a little help for your situation by looking for other ways to make money.
Start a side gig, or see about some other type of income. You can sell items you aren't using any more, or do odd jobs. Find ways to make a little extra money so that you aren't relying entirely on the emergency fund and the unemployment benefits.
Who knows? The side gig you start while looking for a new job might turn into a true primary source of income, and you may not need to go back to work.
Have you been the victim of a layoff? How did you survive? Leave a comment!
Vesting: The Achilles Heal of 401(k) Plans
Employer matching contributions are one of the biggest benefits of 401(k) plans. You put money in out of your own paycheck to fund the plan, and your employer offers at least a partial match. The catch is that the employer match usually comes with a vesting provision. That's a period of time – up to five years – which must pass before matching contribution are considered a permanent part of your plan. In this way, vesting may also be the Achilles heal of 401(k) plans. They don't always pan out.
That may not be a pleasant thought to consider, but it is an unfortunate reality.
You May Never Be Around Long Enough to Be Vested
Employer matching contributions have been around since 401(k) plans were rolled out back in the 1970s. But back then job security was also a common feature of employment. You could start with an employer when you were in your 20s or 30s, and be reasonably certain of a career of 30 years or more at the same place.
Today's employment landscape is much different – in fact, it's a bit of a crapshoot. While there is still the possibility that you can spend 10, 20, or 30 years with the same employer, it's at least as likely that you will only be there for a year or two.
If your employer's matching contribution requires five years for full vesting, but you only work with the company for three years, the match may be completely worthless. You will lose it as soon as you leave your job.
Many companies offer a generous employer match on the 401(k) as an incentive to draw talented workers to them. And many employees are drawn to just such an arrangement. But if the vesting period is longer than the typical job at the company lasts, the employer match is more an illusion than a reality.
Don't Count on the Company Match
The moral of the story: Don't count on the company 401(k) match, no matter how good it may not be. One frightening reality is that some employers are revolving doors – employees come and go – either because they are fired or because they quit. The employer may be offering a generous match specifically to overcome employee resistance to joining the company. But if turnover is high, and the employer match rarely sticks, the incentive will be cost-free to the employer – and a complete bust for the employee.
When making your retirement plans, don't count on your company match – at least not until you have satisfied the vesting period and the employer 401(k) match is a reality.
In the meantime, plan your retirement as if there is no company match. There are various ways that you can do this.
Make the Largest Contributions
Time is money when it comes to investing for retirement, which is why it's critical that you maximize funding into your plan in the early years. Make the largest employee contribution that your plan allows.
Don't figure the employer match in your contributions. For example, if your plan allows you to contribution up to 15% of your pay, make sure that you're contributing the percentage. Some employees play with these numbers. For example, if the company gives a 50% matching contribution up to the first 10% contributed by the employee – effectively a 5% match – the employee may reason that they are contributing 15% of their pay by virtue of the fact that 10% is coming from them, plus another 5% from the employer.
But if the employer match fails for any reason, your net contributions – after the fact – will go back to nothing more than 10%. This is why you need to contribute as much as you are able, and consider the employer match to be a bonus.
Have an IRA or Roth IRA
This also makes an excellent case for having supplemental retirement plans, particularly an IRA – Traditional or Roth. By having an IRA, you're not completely dependent upon the employer plan or the promised match. You'll be accumulating money to both your 401(k) and your IRA, so that if the match doesn't pan out you'll be better off than if you had relied completely on the company plan.
An IRA is worth having even if it isn't tax-deductible. The earnings in the account will accumulate on a tax-deferred basis, even if your contributions aren't deductible. And when you do reach retirement age, the contributions that you made can be withdrawn without being subject to income tax. That by itself is a benefit everyone should have.
Have Non-Retirement Savings Too
Unfortunately, for many people their only savings account of any kind is the employer 401(k) plan. Now if you had to pick one single savings vehicle to have, the 401(k) plan is an excellent choice. But that also means that you're completely dependent upon the company plan, not only for your retirement but also for your total entire savings strategy. That's never a situation than anyone should put themselves into willingly.
Saving money outside of retirement plans is always important, but it's even more important for any reason you cannot have an IRA account as well. And like an IRA, the savings that you accumulate in your non-retirement savings can offset an employer matching contribution on your 401(k) that never materializes.
How much have you benefited from the employer 401(k) match, either in your current job or in previous positions? Leave a comment!
Are You Prepared for an Emergency?
Snowed in?
Right now, many people across the United States find themselves snowed in. I've been fortunate; even though we're getting snow, it's not really out of the ordinary for my region, and it's not causing serious problems.
I live in a mountain valley in the west, so we don't have ice storms and wet snow. We still have our power, which is something that my husband's relatives can't claim right now.
When these types of weather events interrupt our lives, it's a good time to think about how prepared we are for emergencies. With traffic snarled for miles, you might not be able to get to the store to get food or extra water. With the power out, you may be without light. You might even be without heat.
The time to prepare for these emergencies is ahead of time. So, if you aren't prepared right now, when this emergency passes, make an effort to prepare for the next. Here are some basic items to consider when it comes to emergency preparedness:
Food and Water
When you see images of frantic consumers raiding store shelves, one of the things missing most often is water. We all need water, whether it's for cooking or washing or drinking.
I store old containers of water in my crawl space, out of the light, for serious emergencies. We also have purification tablets and bleach so that the water can be used for washing and some cooking. I also have bottled water for drinking.
Storing food is also a good idea. We store things that we are likely to eat, and that are easy to prepare. This includes pasta and sauce, chili, nuts, dried fruit, and frozen vegetables. Rotate through your supply so that the food doesn't go bad. We usually eat part of our food storage in the regular course of meal planning, but we replace the used items with new items during a weekly shopping trip.
If you don't have room for months of storage, at least try to get a week or two stored up so that you aren't one of the thousands clogging the roadways and frantically trying to get what you need when the emergency is imminent.
Don't forget about supplies.
We have several First Aid kits. We have our biggest and most complete kit here in the house. But we also have smaller kits in our cars, as well as in our 72-hour kits. Other supplies are those that you might find in your home every day, such as blankets and extra clothes.
We also like to keep flares on hand, as well as a hand-crank radio and hand-crank flashlights. That way electricity and batteries aren't necessary. You can also buy hand-crank chargers for your phones and other devices. And, as a last resort, we also have candles and an oil lamp (make sure you keep the oil fresh and the wick in good order).
We have a camp stove, a hibachi, and a regular grill, and the gas to run them, for cooking in a pinch. And we also have an indoor-rated propane generator for heat. These items can be very helpful for heat when you don't have other sources.
Another emergency preparedness tip is to always keep your car gas tanks at least half full. That way, you aren't at the mercy of long lines at the gas station. You can (hopefully) clear the population center before you need to get gas.
With a little preparation, you can ensure that that you aren't caught by surprise, no matter the emergency. What are your tips?
Are you in the middle of a blustery emergency? What have you done to prepare? Leave a comment!
What If You – Won't – Have a Fat 401(k)?
In the financial world it's generally assumed that you – and just about everyone else – will have a fat 401(k) plan by the time you retire. That plan will be the bedrock of your entire retirement strategy. But let's play devil's advocate here for a minute: What if you won't have a fat 401(k) plan?
It's actually more than a remote possibility. In fact, according to statistics the average American probably won't have anywhere near enough in their 401(k) plans to be able to retire completely.
What are some reasons that might interfere with having a fat 401(k) plan by the time you're ready to retire?
- A poor 401(k) plan – let's face it, not all 401(k) plans are good.
- A career crisis, career change or prolonged job loss.
- Being forced to make early withdrawals to deal with a more immediate crisis.
- Less than expected investment returns (often due to having a poor plan).
- A stock market crash or prolonged bear market, especially in the years just before retirement.
It's not pleasant to contemplate these possibilities, but all of them are more than remotely conceivable, which is why we should have a plan.
Invest Outside Your Retirement Plan
A poor 401(k) plan is the first reason listed above for not having a fat 401(k) plan. One of the factors that will make a plan poor is a very low contribution rate. Though the IRS will allow you to contribute up to $17,500 ($23,500 if you are 50 or older) into your 401(k) plan at 100% of your earnings, most employers limit your contributions substantially.
For example, your employer might cap your plan contributions at 10% of your income. If you make $40,000 per year, this will limit your contributions to just $4,000 per year. Even if you are in your 20s, this won't get you a fat 401(k) plan by the time you're ready to retire.
For this reason, you should invest outside of your retirement plan. Any investment assets that you have can provide income in your retirement years, and they don't have to be specifically included in a formal retirement plan.
Lower Your Cost of Living
One of the very best ways to deal with lower than expected retirement assets is to have a plan to cut your living expenses. There are various ways you can do this:
- Plan to downsize your living arrangement.
- Relocate to where life is less expensive.
- Develop inexpensive (or free) hobbies and pastimes.
- Keep a close lid on lifestyle inflation.
- Become a bargain hunter – there's almost always a less expensive way to do or buy just about anything.
Don't make the mistake of assuming that you can make these changes just before retirement. Many of them are lifestyle choices, and the earlier that you adopt them, the easier it will be to incorporate them into your life.
There's one other benefit to developing these practices now . . . . The less money you need to live on, the more you will have to save and invest for your retirement years. Consider the potential for that between now and retirement.
Get Out of Debt
Perhaps a single best way to lower your cost of living is to get out of debt. By eliminating car loans, credit cards, installment loans, and other debts, it's possible to lower your living expenses by more than $1,000 per month. Do you think that will have an impact on your retirement planning?
And just as is the case with lowering your living expenses in general, the sooner you adopt this strategy the better off you will be by the time retirement rolls around. The money that you are not paying into debt between now and retirement could be invested so that you will have even more money available when you retire.
Plan a Post-Retirement Career to Supplement Your Income
Taking retirement no later than age 65 is just about the minimum goal most people have. The problem is that life doesn't always cooperate with our plans. That means we have to have a certain amount of flexibility built in to whatever plans we have, including long-term goals like retirement.
There are a lot of variables when it comes to retirement planning, especially if it is many years into the future. None of us have any idea how the stock market will perform between now and then, to say nothing of inflation. There are also concerns about the stability of Social Security. The point is, we all need to have a backup plan.
One of the best backup plans when it comes retirement is a post-retirement career. You may need to cover any shortfalls in retirement income with some form of earned income, even if it's only on a part-time basis.
And once again, a post-retirement career is probably not something you want to put off until the last minute. It may take you several years to develop the perfect post-retirement career, not the least of which because you will want to make certain that it's something you actually like to do, and can do on no more than a part-time basis.
No matter how optimistic you may be about your retirement, it's always best to be prepared for contingencies. The time to do that is before problems happen. You've got plenty of time to develop those plans now, which is the best reason why you should.
Do you ever worry that your 401(k) plan won't be quite what you hope it will be the time you retire? Leave a comment!
Why You Should Buy the Least Expensive House You Can Afford
The housing market has changed a lot in just the past few years. The old philosophy of buying the most expensive house you can afford has become obsolete. There are far more advantages to buying the least expensive house you can afford.
Consider some of the following . . . .
Lower Down Payment and a Lower Monthly Payment
Every expense and cash outlay that you have in connection with a house rises and falls with the price that you pay to purchase it. That includes your down payment. For example, if you purchase a $300,000 house, and need a 20% down payment, you'll need to have $60,000 upfront. But if you opt instead for a less expensive house, say $200,000, your 20% down payment will be only $40,000.
That will leave you with $20,000 extra after closing on the home. This is more important than it seems on the surface too. The down payment that you make on a house can be thought of as trapped equity. That means it is capital sitting in the property, but unavailable for other purposes.
The same is true with expenses. A higher-priced home will result in higher property taxes and insurance, and if the house is also larger, you'll have commensurately higher utility and maintenance costs.
One of the fundamental problems with both the down payment and the monthly expenses in regard to higher-priced homes, is that you essentially locked them in at the time you purchased the home. There will be no opportunity to lower those expenses after the fact.
More Money for Living Life – Avoid Being 'House Poor'
The more money that you have tied up in the house – whether in the form of a down payment or a high monthly payment – the less you will have available for everything else in your life. At the extreme, a high-priced home could lead you to be house poor – owning a nice home, but having little room in your budget or your bank account for anything else.
That can be a tough way to live, especially if it develops into a permanent arrangement. The best way to prevent it from happening is to buy on the lower end of your range of affordability.
More Money for Savings and Investments
Many homeowners and would-be homeowners confuse a house as an investment. While a house certainly does have certain qualities of an investment, or at least it did up until about 2006, it's more of a place to live than anything else. The investment angle has largely been used by the real estate community – and by overzealous home buyers – to convince themselves to shoot for the works and buy the most expensive house they can. After all, if it is an investment, why not just load up on it and make a bigger "profit?"
The primary issue with this kind of thinking is that it violates one of the first rules of investing: always diversify. While owning a house can be a good investment, you should never pour most (and certainly not all) of your money into it. If you do, you'll have little left over for more traditional investments.
Keep your investment in your home at a reasonable level, and be sure that you will have enough cash and extra income after the purchase to also invest in stocks, fixed income securities, and other investments. Keeping everything in your house is not a very good investment strategy.
A Mortgage That Can Be Paid Off Quicker
The less expensive that your home is, the lower your mortgage will be as well. This is important because the objective with a mortgage should always be to pay it off as soon as possible.
In recent decades, homeowners have overemphasized price appreciation as the primary investment return on their homes. But mortgage amortization and an early payoff can provide even bigger returns, especially in a flat or declining real estate market.
Whatever price level you are buying at, you should always have a credible plan to pay off your mortgage ahead of schedule. There is a strategic component to this plan as well. As we now know that real estate prices can fall, paying your mortgage ahead of schedule is more important than ever. Generally speaking, it's not falling house prices that hurt homeowners nearly as much as declining equity. The best way to avoid that trap – in fact, the only way you have any control over it– is to accelerate paying off your mortgage.
That will be much easier to do on a lower-priced home, one that is beneath your maximum financial ability.
You'll Take Less of a Hit if Property Values Fall
Let's spend a little bit more time on this issue of declining house prices. By example, Homebuyer A buys a house for $300,000; Homebuyer B buys a house for $200,000 in the same community. In the next three years, property values in their community decline by 10%. Which homeowner will suffer the greater loss in both property value and equity?
Answer: Homebuyer A. The 10% decline in the value of his house resulted in a $30,000 loss in equity ($300,000 x 10%). Homebuyer B suffered only a $20,000 loss in equity ($200,000 x 10%).
Some would argue the inverse – that Homeowner A wins in the event that values rise by 10%. He gets a $30,000 gain in property value and equity, while Homeowner B gets only $20,000.
But in the event property value rise, both homeowners come out ahead – it's a win-win. Losses, on the other hand, tend to be felt more acutely, especially when home equity is thin to begin with.
And if Homeowner B bought a less expensive house than he could afford, he'll better be able to weather whatever financial consequences result from the decline in property values. Remember that just a few years ago a lot of homeowners were in a crisis situation because their homes were "underwater" – the property was worth less than the outstanding mortgage balance. That's a situation that you should want to avoid at all costs, and the best way to do it is to buy the least expensive house you can afford.
Can you see any logic in buying the least expensive house you can afford? Leave a comment!
The Amazing Benefits of Rental Real Estate
The stock market closed out 2013 with a new high. There's certainly a lot of buzz around the market right now, but often that's one of the best times to start seriously investigating alternative investments. As the saying goes, what goes up, must come down.
That doesn't mean that the stock market is headed for a fall, but record price levels tend to be difficult to sustain. That means that now may be an excellent time to get really serious about diversification. One alternative with amazing benefits is rental real estate.
A lot of people have soured on real estate as an investment since the housing and mortgage collapse a few years ago. But it is for that very reason that rental real estate is still well priced in a lot of markets. It's still possible to buy rental real estate for a lot less than you could have before 2007. And there are a lot of reasons why you might want to.
Investing for Income and Appreciation
Fixed income investments provide income. Stocks – mostly – provide appreciation (high-dividend-paying stocks are an exception). But rental real estate provides both income and appreciation. You can earn an income from a positive cash flow by charging rent, while the property gradually rises in price over many years.
But rental real estate as an added dimension in the appreciation department, one that even high dividend paying stocks don't have, and that's leverage. Most of the purchase price of a rental property is provided through a mortgage. That may enable you to buy a $250,000 rental property with just $50,000 in cash. And even if the property doesn't rise in value, amortization of your mortgage balance virtually guarantees that your equity will rise as the years pass.
Investing in a Real Asset
The world is awash in paper assets; but sometimes having an investment that you can see and touch feels better sitting in your portfolio. Real estate is just such an asset, which is why the very name includes the word real.
Paper assets represent claims on physical assets (in the case of stocks), or promises to pay (debt securities, like CDs, bonds, government securities, etc.). While the assets behind the paper may be real, the value of the paper can fluctuate wildly due to the fact that it trades on open markets. The price of a stock can crash to near zero and a debt security could fall all the way to zero if the issuer defaults.
But because real estate is a physical asset, it has value all its own. This is particularly true of rental real estate. The property will always have value for housing purposes, and the fact that it is investment property means it will alway generate cash flow from rents. Real estate is a real asset in much the same way gold and silver are, except that it also offers the possibility of producing income. In a sense, it's the most real of all real assets.
Rental Real Estate Becomes a Cash Machine When . . .
One of the biggest advantages rental real estate provides comes when the mortgage on it is paid in full. Once it is, a far greater portion of the rental income will flow into your bank account. Though many people buy investments in hopes of making a short-term gain, rental real estate may be the very best long-term investment. Quite literally, as soon as the mortgage is paid off, the property becomes a cash machine.
Unless the property is located in an area with extremely high property taxes, the mortgage payment itself is almost certainly by far the biggest carrying cost in owning the property. It is conceivable that once it is paid off, the majority of rent from the property will become pure profit.
A Superior Retirement Supplement
One of the biggest enemies of retirement planning is inflation. Though stocks are very good long-term inflation hedges, they often perform poorly during periods of relatively high inflation, for the simple fact that the stock market hates the uncertainty that inflation creates. Real estate, on the other hand, tends to flourish in higher inflationary environments. That makes it one of the best investments you can own going into retirement.
Not only is there the prospect of greater price appreciation from inflation, but there is also the likelihood of higher rental income. Since rents tend to move in pace with inflation, it is likely that the income your property will provide will increase considerably over time. This will be especially important once you retire, since you will need investment assets that will provide you with some sort of hedge against inflation. After all, you won't have an earned income to help you cope with rising prices any more. Rental real estate may be the single best investment you can hold in dealing with inflation, particularly once you retire.
A Cash Windfall When You Sell
One of the biggest benefits to owning rental real estate is that when you sell it you can collect a huge cash windfall. Sure, you can generate windfalls by selling stocks, but selling a house would generate a single very large gain that they can be life-changing. It is one that is almost certain to happen if you hold on to the property long enough to pay off the mortgage.
This can also have significant implications for your retirement. If you invest in rental real estate when you are in your 20s and 30s, by the time you hit your 60s the mortgages on the properties will be paid. The sale on those properties will then generate enormous windfalls that might fund your retirement all by themselves.
I'm not suggesting that you abandon fixed income assets and stocks in your investment portfolio. Only that you add rental real estate as part of your investment diversification strategy. It can provide financial benefits that no other investment can.
Have you considered investing in rental real estate in the current market? Leave a comment!
Which Spouse Should Be the Stay-at-Home Parent?
In most cases where there is a decision to be made about which spouse should be the stay-at-home parent, the choice favors the wife/mother. Instinctively, this seems to be the best choice, particularly when it comes to parenting. But there may be some objective factors that should be closely examined before making a snap decision.
There are even situations – increasingly common these days – where it might be better for the man/father to be the stay-at-home parent. Here's a list of considerations.
The Spouse With Better Parenting Skills
For the benefit of the child or children, the spouse who should be the stay-at-home parent is the one who has the better parenting skills. Often, that's the wife, but not always.
The couple should carefully consider who likely has the greatest amount of patience (an absolute requirement with children), the greater attention span (because kids have limitless energy), the best nurturing capabilities, and even the greatest ability to teach.
The complication is that most of us have all of these qualities to one degree or another, and while one spouse may be strong in some of them, the other may be equally strong in others. If that's the case, then it may come down to personal preference – which spouse wants to be the stay-at-home parent more?
One major caveat though. There is another consideration that requires self-examination and complete honesty. Sometimes the spouse who wants to be the stay-at-home parent more is the one who hates their job the most. In this situation, the stay-at-home parent option becomes an exit strategy from the career world. This should never be considered a viable criteria, since the primary purpose will benefit the parent who wants out, and not the children in any way.
The Lower-Earning Spouse
It might be more accurate to say that the higher earning spouse is the one who should continue working outside the home. This will be an obvious benefit to the entire family, since not only will it result in higher income for the household, but it probably also means more generous benefits, particularly in regard to life insurance and retirement investing.
Another factor that may not be so apparent with income level is income potential. For example, if the lower-earning spouse is earning less because they recently came out of medical school, it might be best for the other spouse to be to stay-at-home parent, since the earning potential of the medical school graduate will be substantially higher.
The Spouse Who Has the Better Eye for a Bargain
While we tend to think of the stay-at-home parent as primarily being a caregiver to the children, budgetary responsibility tends to be thrust on the spouse by default. After all, not only does the stay-at-home parent have more control over their time (to pay bills and deal with financial complications), but they are also put into more situations that require making purchase decisions.
That being the case, you should also consider which spouse has a better eye for a bargain. It probably is not a good idea if a spouse who is a spendthrift is the one who becomes the stay-at-home parent. There will be dozens of purchase decisions to be made every week with children, and it will require a real eye for a bargain.
In a very real way, the stay-at-home parent becomes the guardian of the family's finances. That should never be taken lightly. The increased financial responsibility by a spendthrift spouse could destroy the couple's entire attempt to raise their own children at home.
The Spouse Who Has the Greatest Ability to Work from Home
This is an often overlooked consideration when it comes time to decide who should be the stay-at-home parent. It is a factor that can mitigate other considerations, particularly the question of who can earn the most money outside the household.
Let's look at this question by example. Let's say that Spouse A has a $50,000 job, and Spouse B earns $40,000. On the surface, it may look as if the logical choice is for Spouse B stay home with the children, and for Spouse A to continue working. But if Spouse A has the ability to earn $20,000 working from home (and Spouse B doesn't), the family's financial situation will be helped if Spouse A becomes the stay-at-home parent, and also earns money working from home.
Let's say that Spouse B will continue to work earning $40,000 per year, but Spouse A will contribute $20,000 working from home. This will produce a combined income of $60,000 per year, versus just $50,000 per year if Spouse B comes home, and Spouse A continues working outside the home.
Some serious consideration of this potential should be given. And it's not just a matter of producing a higher income. A family living on a single income is more at risk today than they have been in generations, due to the fact that employment is far less stable than its ever been. An arrangement that would allow both spouses to continue earning at least some income will provide a form of income diversification every family needs today.
Have you considered some of these issues in deciding which spouse will be the stay-at-home parent? Leave a comment with your situation!
3 Ways to Pay Veterinary Bills Without Going Broke
Medical costs for people aren't the only healthcare costs rising. Veterinary care for our pets is rising too. Not only can large veterinary bills strain a household budget, but they can also force us into making tough choices. Do we go ahead with a life-saving surgery for our beloved pet, or do we decide that the cost is simply too high?
We don't have to make such choices when it comes to people. After all there's health insurance, and even if you can afford it, there's the Hippocratic Oath that requires that you be given at least life-saving medical treatment even if you can't afford it.
But what do you do if you're faced with a large medical bill for your pet, and don't have the money to pay for it? And perhaps more important, what do you do keep yourself out of a situation that may require you to make such a difficult choice?
There are at least three ways that you can deal with medical costs for your pet, but the catch is that you need to do something about it right now – before you have the need.
1. Pet Insurance
There are different insurance companies providing a variety of policies for pets. I checked out pet health insurance through a company called Healthy Paws. The quote that I got for my dog was about $50 per month, or $600 per year, for a plan that included a $250 annual deductible, and 80% reimbursement on any expenses above that.
The policy covers illnesses and injuries, as well as emergency care and genetic conditions. It will cover hospitalization, surgeries, diagnostic testing, and prescription medications for your pet. Unlike health insurance for people, reimbursement for services does not go to the healthcare provider. Instead, you will pay the vet out-of-pocket and be reimbursed by the insurance company, generally within two weeks.
There are certain exclusions. The policy will not cover pre-existing conditions, preventative or routine care, spaying or neutering, or office visit fees for routine exams. The policies are also limited to dogs and cats, so if you have other types of pets (for example, we have pet rats) they will be ineligible for coverage.
On the upside, there is no network of providers – they will cover services with any licensed veterinarian. There are also no limits on benefit payments, or on the number of claims that you file (according to the company's website).
2. Dedicated Savings Account for Bills
If the idea of having health insurance on your pet doesn't appeal to you, you can also set up a dedicated savings account that you can use to handle unanticipated healthcare costs.
We've already seen the how the insurance policy costs in the neighborhood of $600 per year. But should you decide to go without health insurance, you can put an equivalent amount of money into a dedicated savings account for your pet. This will be a form of self-insurance, so that you'll have the money available when needed.
The advantage of this method is that if you don't spend money, you can keep it and use it for other purposes. In fact, over the course of your pet's lifetime, it could be a significant amount of money. For example, if you save $600 per year for 15 years, you'll have $9,000 saved – plus interest. Of course, this assumes that your pet will be completely healthy during that time, and never have need for medical attention. Either way, it would give you complete control over the money that you have allocated and budgeted for potential medical expenses.
The downside of using the savings method is in timing. Let's say that your pet needs to have a certain procedure will cost $2,000. But you only had your pet for two years, and in that time you saved up $1,200. You'll still need an additional $800 to cover the medical costs.
Still another limitation is the fact that medical treatment costs for your pet can easily exceed the amount of money that you have set aside for that purpose. Much will depend upon how much you are prepared to spend on any given procedure that you might have done to your pet.
3. Care Credit
You may have heard of this company, either through TV or Internet ads, or you may have been offered a medical line of credit from a healthcare provider. The surprise here is that the credit line also extends specifically to veterinary care.
Care Credit is actually a trade name for a credit line program that is offered by GE Capital Bank. They have made this program available to healthcare providers so that patients can use the line to cover the deductible portion of a medical procedure. The most attractive benefit of this program – other than having a ready credit-line available specifically for healthcare purposes – is that it comes with an interest-free payback period, that can extend as long as 24 months. That makes it "as good as cash," particularly when you don't have the cash.
Of course, it's always best to have money saved in advance of contingencies, but a credit line like Care Credit is the next best thing.
We had a line with Care Credit that we got as a result of my wife's shoulder surgery about a year and a half ago. A couple of months ago, I got a promotional email from Care Credit that had some language referring to veterinary care buried in the fine print.
I called the company to verify this to be true, and it was. Then I called our vet to see if they participate in the plan, and they do.
You don't want to use a credit line like this for routine veterinary care, but it can come in handy if you have a major expense, such as a surgery or multiple treatments. It's one more option that you have to pay your medical bills for your pet. And best of all, unlike pet health insurance, you can use Care Credit to cover expenses on any type of pet that you have – including ones like our pet rats.
What is your contingency plan in case your pet needs high-cost medical treatment? Leave a comment!


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Coal Handling Plant in Nagpur
- Business Type
- Manufacturer
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- Coal Handling Plant
With sincere intentions to preserve and uplift our reputation in the market, we bring forth a distinguished assortment of Coal Handling Plant. Highly efficient in dust suppression processes, these systems are wmore...
DFW Envirotech India Pvt. Ltd.No. 4- A, Pranesh Apartments, Ground Floor, S. A. Road, Laxmi Nagar ,
Nagpur - 440022, Maharashtrawww.indiamart.com/dfwenvirotech8447730928
- Coal Handling System
Keeping in mind the requirements of our customers, we manufacture and supply Coal Handling System to our esteemed clients. The offered coal handling system is known for their high efficiency and optimum qualitymore...33, Sarvashree Nagar, Behind Pragati Colony, Umred Road, Dighori ,
Nagpur - 440009, Maharashtrawww.versatechepc.com8377805750
- Coal Handling Equipment
We offers dependable solution in Coal Handling. Our Coal handling plants are designed to work in all types of Industries like Power, Steel, Paper, Cement, Textiles, Chemical and many others. Our Coal handling pmore...
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Our customers can avail turnkey services for these Coal Handling Plants, which is the most suitable coal handling system. This system fins application in all coal handling plants for transferring coal from trucmore...
Reena Mechanicals Private LimitedC - 66, M.I.D.C., Hingna Industrial Area ,
Nagpur - 440028, Maharashtrawww.indiamart.com/reena-mechanicals8049591485
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We are the pioneer manufacturer of quality product in biomass/briquettes coal segment. This is an excellent choice for all kinds of thermal application & used in boiler/klin/furnance.more...
Mohit TradersPlot No. 103, Flat No. 104, Nirmal Apartment Near Hotel Airport Center Point, Wardha Road, Somalwada ,
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Crescent EnterprisesNo. 119, Nagsen Housing Society, Near Rudra Complex, Mankapur ,
Nagpur - 440030, Maharashtrawww.indiamart.com/company/65769019503132111
Videsh Coal Services Private LimitedNo. 90, Baji Prabhu Nagar, Near Ram Nagar ,
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WCL Western Coal LimitedCivil Lines, Near Seminary Hills ,
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Anti-abrasiveLong service lifePrecisely designed
G. S. Engineering WorksPlot No. 98/S, Industrial Estate ,
Bhilai - 490026, Chhattisgarhwww.indiamart.com/gs-engg-works8049674058

subset: commoncrawl


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Featured Story
Retooled Chase finishes strongPublished in SportsBusiness Journal on 11 / 24 / 14
NASCAR's Chase for the Sprint Cup may have started slowly, but it ended with the sport's biggest viewership figures in several years. Kevin Harvick celebrated the first championship under the new format. ...
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SportsBusiness Daily: MASN's Orioles Ratings Up
MASN drew a sizable 24% ratings jump for its Orioles games in the Baltimore market so far this year. The team's 26 games in April drew a 5.6 rating in the market, compared to last year's 4.5 mark. Meanwhile, O's games have jumped 114% this season in the DC market, registering a 1.5 rating ...
SportsBusiness Daily: IOC Planning For TV Rights Bidding Next Month
The IOC plans to hold bidding June 6-7 in Lausanne, Switzerland, for the '14 Sochi and '16 Rio de Janeiro U.S. TV rights package. The organization recently provided networks with those dates, according to sources familiar with the IOC's plans. NBC paid $2B for rights to the '10 Vancouver and '1 ...
SportsBusiness Daily: IOC To Hold TV Rights Bidding In June
The IOC plans to hold bidding June 6-7 in Lausanne, Switzerland, for the '14 Sochi and '16 Rio de Janeiro TV rights package. The organization recently provided networks with those dates, according to sources familiar with the IOC's plans. NBC paid $2B for rights to the '10 Vancouver and '12 London G ...
SportsBusiness Daily: Vancouver Olympics Big Winner At Sports Emmys
NBC's coverage of the '10 Vancouver Games was the big winner at last night's Sports Emmy awards in N.Y. The event picked up five awards out of 12 nominations, and helped NBC and its properties win nine awards -- the most of any TV company for the night. The event won Emmys for best open/tease, best ...
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SportsBusiness Daily: Pac-10 To Unveil $3B Media Deal
The Pac-10 Conference has agreed to a media rights deal with ESPN and Fox that is worth $3B over 12 years, according to multiple sources. A formal announcement will come tomorrow. The deal, which averages out to $250M per year, includes football, basketball and Olympic sports rights. It is more than ...
SportsBusiness Journal: Strong NFL upfront sales expected
Despite the threat of work stoppages in the NFL and NBA this fall, TV network executives are expecting a strong upfront selling season this spring — including in the NFL marketplace. NFL partners, including Fox and ESPN, say they already have started talks with potential advertisers and expect the ...
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SportsBusiness Journal: ESPN sold on sport's growth potential
When Major League Lacrosse Commissioner David Gross talks about ESPN's commitment to lacrosse, he's quick to reference Sean Bratches, ESPN's executive vice president of sales and marketing. The same holds true for Dale Kohler, senior business unit manager at Warrior/Brine, a lacrosse equipme ...
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SportsBusiness Daily: Michele Tafoya Leaving ESPN
Michele Tafoya, a "MNF" sideline reporter since '04, is leaving ESPN. Sources say Tafoya likely will move to NBC, which produces "Sunday Night Football." It is not known what her role at NBC will be. ESPN and Tafoya had been negotiating a three-year option in her deal, which was signed before the ...
SportsBusiness Journal: NBA postseason selling well
The red-hot ad sales market for live sports is continuing through the NBA postseason, even if the growth is slowing, according to the NBA's TV partners. Turner Sports has sold 90 percent of its NBA playoff advertising inventory while reporting a 6 percent increase in sales during the first round of ...
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SportsBusiness Journal: NHL's plan pays off in new deal
Comcast's Brian Roberts was talking with NHL Commissioner Gary Bettman nearly two weeks ago. The two high-ranking executives had known each other a long time. Bettman has been the NHL's commissioner for 18 years, and Roberts' Comcast has owned the league's Flyers franchise for 15 years through Co ...
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FAQ's for MFT!
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The MFT Lady
Splitcoast Platinum Partner Company
Join Date: Aug 2005
Location: Eustis, FL
Posts: 12,587
Originally Posted by
Thanks for your speedy response as always. Another quick question (and I seriously hope I'm not being a nuisance asking all these questions).
I was using the Flower Trio and Leaf Trio die-namic today in my cuttlebug along with the metal adapter plate. After the die went through the cuttlebug, the design paper was stuck in the die itself. I then proceeded to look for the holes to poke the cut piece out through the back but found it difficult to poke through the holes. Only later I realised that although there were various indents in the die (where the holes should have been), the hole was not punched through.
And later I found that my paper piercer could push through the thin metal to push the die cut piece out. My worry however is that with me making the holes from behind, it causes a slight edge to be raised on the other side and I'm afraid this will cause indentations in my patterned paper in the future as I usually use the die with the pattern paper facing into the die. I hope all this makes sense! Should I be worried about this?
Also, I check all the other dies I bought and realised that the Framed Greetings die also does not have holes in the die to help push the die-cut out if required. Is this a defect?
Sorry it didn't turn out to be a quick question after all.
We only add poke holes to smaller dies, the larger ones, liked Framed Greetings don't generally need one. SO, no, it's not a defect.
If you use a toothpick, you shouldn't have an indention. I would try a small piece of scotch tape.
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MILWAUKEE (AP) -- Authorities say a Milwaukee man stabbed his girlfriend 16 times in a killing that has drawn attention because it took police nearly 22 minutes to respond.
Fifty-two-year-old Moreal Wilson was charged Friday with first-degree intentional homicide in Tuesday's death of 60-year-old Barbara Killebrew. When he turned himself in to police, he said he'd stabbed her in the chest during a scuffle.
While a fire engine arrived within three minutes of the 911 call, personnel waited to treat Killebrew until police arrived to secure the scene.
The Milwaukee Police Department says it's conducting an internal investigation into the delay.
Online count records don't list an attorney for Wilson, who was sentenced to 18 months in prison in a 2010 domestic battery case in Kenosha County.
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text: Brazil may be without F1 driver for first time in 40 years 16 September, 2013 Felipe Massa with Nicolas Todt For the first time in more than 40 years, Formula 1 could be without a Brazilian driver on the grid, in 2014. Felipe Massa has lost his seat at Ferrari, but his manager Nicolas Todt is hoping Lotus will sign him as Kimi Raikkonen's replacement. Meanwhile, it had been reported young Brazilian Felipe Nasr was close to breaking into F1, but Dr Helmut Marko has now dismissed speculation linking him with Toro Rosso. All this means that F1 is facing the prospect of a grid without a single Brazilian in 2014. According to O Estado de S.Paulo newspaper, the last time F1 was without a Brazilian was 1970, prior to Emerson Fittipaldi's debut. "I don't believe we (Brazil) will have no drivers in F1 next year," Fittipaldi, now 66 and a two-time world champion, said. "I think Massa will sign with another team." Brazilian Rubens Barrichello, the longest-serving F1 driver until his exit in 2011, blames the situation on a disconnect between the junior categories in Brazil and Europe. "There is a big difference between the racing here and the racing over there," said the winner of 11 grands prix, who lives in his native Sao Paulo. "Today, just having talent is not enough." The issue could have implications for F1's passionate Brazilian fans. "In the short term, it has no effect at all," said Oscar Ulisses, who has been a part of broadcaster Globo's coverage of F1 for decades, "Long-term, yes. And just having a Brazilian on the grid means nothing – it's important to have a driver who is doing well. Having someone at Marussia solves nothing." According to Italy's Autosprint, another option for Massa beyond 2014 is Williams. It is already rumoured that his well-known Ferrari race engineer, Rob Smedley, could be about to return to Britain. Autosprint floated the theory of Pastor Maldonado taking his PDVSA backing to Lotus, opening the door for Massa at Williams, perhaps with the support of the former F1 and Williams sponsor Petrobras, the Brazilian oil company. (GMM) Subbed by AJN. Tweet Related NewsMarko: Legally it's not ok that Vettel is already with FerrariAlonso takes a swipe at Ferrari's Marlboro Man shakeupBottas management play down Ferrari reportsRicciardo: Vettel has great passion for FerrariArrivederci to Mattiacci as Arrivabene becomes Ferrari F1 bossMattiacci future as Ferrari F1 boss uncertainAlonso overcome by emotion on Ferrari farewellNew reports link Brawn, Costa, Bottas with FerrariAlonso hits back after Mattiacci questions motivationRed Bull play hardball block Vettel's Ferrari test Boycottthebull Dont do it Lotus! You just making yourself look foolish taking in all Ferraris rejects. Massa seems to be pretending he is a former world champion saying he wont dive for a lesser team and wont be a number 2 driver. if he has a bad weekend he will crash the car several times something Lotus could not afford to replace. He may be a nice guy but he is 5 years past his best. Hulkenberg is the way forward for Lotus not this guy. Brazil will just have to encourage someone else.


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Special Ed Guy Tries to Shuffle
This is what happens when you put a Special Ed guy in charge of the dance class… oy, vey!
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About Our Networks – Talk Radio News mentions VOA's new show, Cold War? – The U.S. Advisory Commission on Public Diplomacy will hold a conversation about international broadcasting. Citations of BBG Networks – RFE/RL story about a female editor accused of promoting feminism carried by the Guardian and cited Read more »
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The Commodore, The Admiral, And The Women
By Christopher Albon
New Delhi has approved the firing of an Indian Navy Commodore who was part of the $2.33 billion purchase of the Russian aircraft carrier Admiral Groshkov. Why? He was allegedly being 'honeytrapped':
Singh's photographs with the Russian woman had surfaced in April 2010 soon after India finally agreed to pay Russia $2.33 billion for the 44,570-tonne carrier's refit, instead of the $974 million earmarked for it in the original contract inked in January 2004.
Singh, an engineer, was posted as the Indian warship production superintendent overseeing Gorshkov's refit in Russia from 2005 to 2007. Even after returning to India, he continued to remain deeply connected with the programme as the principal director (aircraft carrier project) at Navy HQ till at least mid-2009. Last year, after the BoI indicted him, Singh was "relieved" of his posting in MoD's directorate-general of quality assurance wing.
Insert sexual innuendo in the comments below.
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Carrie Underwood in Austin for the iHeartRadio Country Festival
Carrie Underwood shares why she loves the iHeartRadio Country Festival and Austin, Texas.
Carrie Underwood shares why she loves the iHeartRadio Country Festival and Austin, Texas.
Country star Jake Owen talks about Austin and the stellar line-up at the iHeartRadio Country Festival.
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Heroes Of Order And Chaos - Multiplayer Online Game Cheats for iPhone - iPodHome / iPhone - iPod /
This page contains Cheats for Heroes Of Order And Chaos - Multiplayer Online Game organized by sections for iPhone - iPod. Heroes Of Order And Chaos - Multiplayer Online Game is a Role-Playing General game, made by Gameloft, released on Nov 21, 2012 and published by Gameloft. If you can't find a hint or secret in our list, then please check this page periodically for the latest updates.
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Heroes Of Order And Chaos - Multiplayer Online Game iPhone - iPod Cheats
Form teams and fight together with your buddies within the Application Store's first Multiplayer Online Fight Arena (Also called MOBA)! Gather your team-mates, strengthen your Heroes and eliminate the enemy base in thrilling, addictive and fast paced games. In Sinskaald Rift, a mysterious region of Haradon, immortal players happen to be fighting for hundreds of years. They are classified as the Heroes of Order and Chaos!Gameloft
- Publisher: Gameloft
- Genre: Role-Playing General
- Release Date: Nov 21, 2012
- ESRB: Not Set
Go to your Main-Menu Talents section, you have to get two different foreign currencies to succeed your abilities for each character arche-type. To begin with, you will need cash to unlock new tiers of talents. Next you need Talent Points that are acquired through progressing in the game....From: MrsCutie
Every day, a brand new daily mission is going to be set. You may have to kill a particular quantity of opponents, or win a particular quantity of matches. Finishing a regular mission will reward you with foreign currencies and XP, so make sure to satisfy the objectives whenever feasible to stand abo...From: bigjj
Stuck on this game? Set a specific, clearly defined question and let others answer your question or view answers to previously asked questions. If you think you are an Heroes Of Order And Chaos - Multiplayer Online Game expert then please try to help others with their questions.
Every time I try to figure out how the talents work but but in confused about it do I out some in which thing I press each class button and nothing happens I start randomly tapping the screen but noth...
Posted on: 07-08-2013
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Celebrating the 400,000th participant and the 70,000th Israeli participant at Caesarea!
Honoring Mr. Michael Steinhardt at the Hebrew University Amphitheater.
Monday, December 15
JCC in Manhattan - CANCLELED
Minneapolis Jewish Federation
Thursday, December 11
JCC in Manhattan
Congregation Sherith Israel
The Selig Center
Wednesday, December 10
Jewish Federation of St. Louis
Tuesday, December 9
Combined Jewish Philanthropies
Jewish Federation of San Diego County
Thursday, December 4
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we are 4 guys ages 21-24 planning a cross country roadtrip (ny-ca) for mid may. we plan on arriving in st louis at night to sleep. we dont really want to spend much time here as our next point of interest is colorado. but st. louis-colorado is a really long drive and we were hoping for some advice on how to split that up. for example if we can leave st. louis in the morning 9 ish and find something small to do around the early afternoon till late noon-early evening then finish the drive that would be great. any ideas would be greatly appreciated
roadtripers seeking advice
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i forgot to mention-any roadside attractions or funny sites that we can stop to look at even though its not any real activity for the day would help in splitting up that drive
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That's a looong way with a lot of agriculture. President Eisenhower's library/museum is in Abilene.
Better get some books on tape or a couple of DVDs to play on the way out if you need to be entertained. Stop every couple of hours at the rest areas and jog for 10/15 minutes.
If you leave at 9 ish you won't be to Denver until 11 ish without a long stop, and there is a lot of flat in Colorado before you get to Denver.
Have a fantastic trip.
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thanx alot emalloy.if anybody has any more suggestions we'd really appreciate it so we can have a variety of options
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Since your in St. Louis, it would be a shame to not at least stop and see the Arch. Even better take an hour or two out of your time and ride to the top.
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Well, the good news is you can take turn driving and sleeping and those that are sleeping won't miss much! Once you hit Topeka, KS...it's all going to look the same till Denver!
Colorado though Utah and Nevada are another whole story!
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Lawrence, Kansas is a neat college town that still has a real main street with a variety of shopping, great locally owned restaurants and entertainment. There are some good museums at the University of Kansas.
I don't think that Topeka has much from the interesting restaurant standpoint, but there are many interesting museums. Kansas Museum of History, Combat Air Museum, Brown v. Board of Education National Historic Site and Great Overland Station are just a sampling
Just before you reach Manhattan, turn off I-70 about 7 miles to Deep Creek Waterfall at Pillsbury Crossing. http://www.kansastravel.org/pillsburycrossing.htm
Junction City has some great Korean restaurants and free museums such as the U. S. Cavalry Museum and the "Custer" House Museum on the beautiful grounds of Fort Riley, just off I-70.
In addition to the Presidential Library and Museum, Abilene has a bunch of other museums and some cool local restaurants.
I could keep going, but that is probably the stretch of I-70, that you are talking about.
"Once you hit Topeka, KS...it's all going to look the same till Denver!" I would say that is true from about Russell west, but going through the Flint Hills west of Topeka is beautiful, hilly, and nothing like the stereotype of Kansas.
For restaurants in those towns, check http://www.kansastravel.org/kansasrestaurants.htm
Let me add one stop farther west that is a real treat. The Castle Rock Badlands are about 15 miles, but has very few visitors, but is really something special! http://www.kansastravel.org/castlerock.htm
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thank you all so much for your help, its much appreciated!!
we decided that since it seems like kansas doesnt have much to offer that really catches our interest we'll just push straight on into colorado and from there to utah/arizona where we'd really like as much time as possible. we have 4 drivers so hopefully that wont be a problem. again thank you very much
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you made a good choice- take turns sleeping and driving and get through it as quickly as you can. It was a happy day the first time I got to fly over Kansas instead of driving through it!
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You will need to push a long way. Eastern Colorado is the same as western Kansas. There are about the same number of flat miles of I-70 in both Colorado and Kansas.
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A much more interesting trip would be to stop in KC for Lunch,
then head down I-35 and take US 50 through Southern Colorado and on to Utah. Royal Gorge, Black Canyon of the Gunnison, Telluride,
4 Corners and so forth. I 70 is boring for sure.
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I-70 from Denver driving west is NOT boring. It's one of the most beautiful stretches of Interstate that I've ever seen. Now I-70 east of Denver is boring!
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The Most Gigantal, Behemothian Thesaurus In The World
Forty-four years. That's how long it took the English Language Department at the University of Glasgow to compile the world's largest thesaurus. Entitled Historical Thesaurus Of The Oxford English Dictionary, this 4,448 page, two-volume tome contains more than 920,000 words and over 300 categories.
The printed version isn't due out until October 2009, so I decided to satiate my curiosity by perusing its somewhat basic but ultimately effective web site. The home page for the Historical Thesaurus of English offers a lexicographical smorgasbord for word lovers of every variety. The book is divided into three major sections: The External World, The Mind, and Society with each section further broken down into a panoply of smaller categories. The interesting and varied taxonomy is sure to produce many librarian "ooh" and "ahh" moments.
The synonym search function is incredibly robust and a heck of a lot of fun. I spent more time than I care to admit looking up synonyms for terms as illustrious as "bogus" (suppository, pasteboard, mock-made ), "smelly" (reechy, stinkardly, puant) and "petulant" (nervy, snouty, effrontuous). What can I say? Not only is the Historical Thesaurus Of The Oxford English Dictionary destined to become a classic in the annals of reference materials, it's also destined by provide hours of good clean semantic fun.
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I am really upset with myself. My parents are always eating healthy and try to provide the best food for us, but I have an addiction. I am obsessed with sweets.
I've tried eating fruit, chocolate-covered fruits, low-fat and sugar-free sweets, but nothing seems to work. I am also as skinny as a rail. Everyone says I have nothing to worry about, but I'm scared. I can wipe out $20 just on snacks in a week to two weeks. Can you help me stop?
I don't think I've ever met anyone who wasn't a fan of sweets, especially chocolate. That said, it's important to remember that moderation is the key to being healthy. You just need to eat healthier and cut back on your sweets intake. Once you get into that habit, it will be much easier for you to save money and curb your addiction.
If you don't have the green to buy junk food, you can't buy sweets to begin with. Open up a savings account either at a bank or in a piggy bank that you can't open unless you crack. Save up for something special—like an iPod, camera or new phone. If you want to keep some extra moolah around the house, give it to mom or dad so they can dole it out ONLY when it's necessary. That way it's not in your wallet and it's out of sight when you pass that vending machine at 3 p.m.
It's important to listen to your body. Don't deny yourself the occasional treat—just switch it up for healthier, better-for-you options. Love chocolate? Go for a slab of antioxidant-loaded dark instead of milk. Just can't quit your after-school Oreo addiction? Look for 100 Calorie Packs with similar stuff. And it's totally fine to dig into a bit of the REAL stuff two or three times a week—so long as you're not noshing on it (and A LOT of it) every day.
Another way to fix your sweets obsession is portion control. Instead of eating a whole bar of chocolate at one time, break it into pieces and eat once sliver every once in a while. Or, try smaller versions of stuff you really love—have a few Reese's pieces instead of a king-sized serving, munch on just one Hershey's Kiss if you're craving milky chocolate or ask your BFF to go halfsies with you on the caf's mouthwatering chocolate chip cookies.
We're so happy to hear you're concerned about your health and well-being. Sure, you're super-skinny, but it's important to eat healthy, well-balanced meals with fruits and veggies to keep you fit 'n' fabulous. Remember, your bod is beautiful, and it's your job to keep it that way. Plus, diabetes is on the rise, and too much sugar could lead to probs later on in life. Just relax, listen to what your body wants and enjoy everything in moderation. Concerned that you're overeating or feel like you're sugar-watching has turned into an obsession? Please talk to a trusted adult or guidance counselor ASAP before this turns into an eating disorder.
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Anrpro Screen Capture Tool 1.4
Arnpro Screen Capture Tool is not designed as comprehensive utility for snapping images but as a comfortable way to take photos from the screen and adjust them here and there.
Few settings, three capture modes
The product sports an intuitive interface that also includes a list with all the screen grabs done with Arnpro Screen Capture Tool, organized in folders with time and date stamp, which could help finding a specific pic quicker.
There are three capture modes supported that allow capturing the entire desktop screen, snapping a rectangular area chose by the user or an application window, whose borders are automatically detected.
Capture settings, supported formats
Configuring the application is a cinch, considering that there is a short list of options. Among them is the possibility to change the default storage path. Also present is the option to exclude Windows taskbar from a fullscreen grab and to enable the capture window on top of all other elements.
Very useful is the display of a translucent overlay during the capture because it highlights the capture area.
After the image has been taken it can be saved in one of the supported formats, PNG, BMP, JPG or GIF.
Editing options
There aren't too many editing tools available but they should be sufficient for the average user as they permit resizing, cropping or pasting another picture.
Furthermore, there is the possibility to add text, draw shapes like rectangles and ellipses and fill them with color or set a transparency level.
A marker enables highlighting specific areas in the picture with a user-defined color; the opacity level is automatically selected.
This is not a tool for the advanced users but for an average user the functions and options included, combined with the ease of use should be just the right mix.
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Application descriptionAnrpro screen capture tool is a free screenshot software that also includes a built-in editor and file organizer.It ca...


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Can Andy tell us when the last time a team scored 19 points in two consecutive weeks was? I think...Matt Kocsan 11-28-2014 01:05 AM
So much for those Cowboys predictions...Patrick Sullivan 11-27-2014 07:43 PM
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Respect. How much different is the Bears season if Peanut Tillman is still in the lineup?
Well, this is going great for me so far.Matt Kocsan 11-27-2014 06:07 PM
Is this your way of saying that JayJay's future is going up in smoke?
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The Jets could do worse, and they probably will.Matt Kocsan 11-27-2014 04:56 PM
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In the land of the reverse jinxes, it looks like Patrick is going to lose the battle and win the...Matt Kocsan 11-27-2014 04:28 PM
I would have tried to pay him $14 Million a season if the playoffs never happened. That is what I feel his rate should be.
Unfortunately, the Ravens will not get this luxury. The going rate for a quarterback that has been to or can get you to a Super Bowl is in the $16-20 Million range and the franchise tag, though not official until April?, is probably going to be right in the $20 Million range. Of course, with the possibility of signing names like Reed and Boldin to be a pipe dream without cuts and creative financing, the Ravens would do themselves a favor by signing Joe long term in a way that is kindest to the overall books.
The question comes down to the same question that should come up every time a coach is rumored to be fired: Well, who ya gonna get? In this case, with a weak FA class and a weaker draft class, the Ravens are backed into a corner where their choices are pretty obvious and limited.
In short, I think the Ravens will be paying $20 Million for a guy in the $14 Million range.
Prior to the Super Bowl, he (or his agent) said he wanted "Drew Brees" money. Had he lost the Super Bowl, I don't think I would give it to him. But considering he won, and looked spectacular in the process, he's more than earned it. The unfortunate drawback is that they're probably going to have to dump several people to make room for that new contract.


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Sesame StreetSeries Website »
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Nov 23, 2014; Philadelphia, PA, USA; Philadelphia Eagles running back LeSean McCoy (25) runs the ball against the Tennessee Titans at Lincoln Financial Field. The Eagles won 43-24. Mandatory Credit: Derik Hamilton-USA TODAY Sports
Content engaging our readers now, with additional prominence accorded if the story is rapidly gaining attention. Our WSJ algorithm comprises 30% page views, 20% Facebook, 20% Twitter, 20% email shares and 10% comments.
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Sub Sig Outing Club
Sub Sig is an independent outing club open to all who enjoy outdoor recreation in natural settings.
Our club emblem shows the legendary Sub Sig bus eternally flying on skis.
Our members include single adults, family groups and several sturdy senior citizens, united by an enjoyment of outdoor sports including hiking, biking, canoeing, and skiing of all sorts. The club is characterized by low-cost, loosely structured trips, run in a warm and informal atmosphere. Day trips are run throughout the year in the greater Boston area, but most of our time is spent on weekend trips based at two cabins, one in the White Mountains of New Hampshire and the other near Montpelier, Vermont.
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Senior Member
Ok I know its a little wired to ask but with the jungle nerf is jungle'gath viable? I love the thought of him roaming and scaring the piss out of ppl.
Start with pots, get recurve asap, basic boots, RoA, finish wits end and treads, deathcap, shroud, then finishing up as need. FH for armor or FoN then FH or maybe a voidstaff if you have a dedicated tank or even a Rylails to really stick to ppl ( it does work with spikes if I remember correctly). For more AS a malady is in order.
Lvl skills R>E>Q>W After getting spikes to 3 maybe start lvling rupture. Masteries 9/21/0 of course and as for runes ether tank or ap.
Ether ghost or flash to help with ganking and exhuast is always good on him. His ganks will be hit or miss but even a missed rupture will have a lane high tailing it back to their turret.
Anyway comments PLZ. yes no maybe so, build ideas ect. I'd really like feed back on this.
Viable, tho wait for the jungle to stabilize a bit. Old jungle he was actually the fastest clearer right along with karthus. As for ganks look for someone with a snare or stun before you lock in to play him. rupturing a stuned or snared enemy alot more reliable.
Adrian Umbra
Cho is beast in the jungle. Look up Stonewall008's channel on Youtube, master jungler and practically worships Cho. He's stated that Cho'Gath is rediculously versetile in the jungle and clears very fast, transitions well. His ganking is weak if you miss rupture, but he's very strong and the current jungle seems to discourage ganking.
more comments plox
as long as you have the attack speed runes for it, he clears quickly and safely. Not the best ganker in the world, but if you can hit rupture you won't have any complaints.
comments on build plz
Wit's end isnt really necassary on cho gath with attack speed marks and quints thats all you need.
When i jungle cho if doing well i get an aegis first then go straight for a Deathcap. Usually i get the needlessly large rod then depending on if they're ap or ad heavy i'll get either sunfire or F of N then finish deathcap. If you're doing well and want to make them feel bad a triforce late game is always fun
I have jungled cho (before and after new jungle.) Im not saying this is perfect but this is what I do:
Cloth Armour + 5pots, get rupture first
Start at blue, get a leash if you can but its not needed. Rupture when you get arrgo and spam it when oyu can, smite when its low enough.#
I take my E second, then W then level RQWE (if Im not tanking in which case I level the silence first)
As for ganks, Im quite good (if i do say so myself ) at landing rupture but yeah getting them snared or stunned then landing it is a nice gank, followed by the silence.
As I said Im not the best, but is my main and has been a long time and this works quite well
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A Colorado enterprise-zone reform bill that began with fairly wide support among business interests devolved into a measure that Republicans called a "death ray" for rural job creation.
But Democrats in Monday's debate said the measure is needed, as one put it, because corporations "already find so many loopholes, already tax so many tax breaks," that most don't pay corporate income tax in Colorado.
After a raucous debate, the House of Representatives gave preliminary approval to House Bill 1142.
The measure, sponsored by House Majority Leader Dickey Lee Hullinghorst, D-Gunbarrel, would cap investment-tax credits in economically disadvantaged enterprise zones at $750,000 a year. It would redistribute about $15 million a year in expected savings to other enterprise-zone tax breaks and Democratic-sponsored economic-development programs.
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AudioSwitcher 2.24.6 / 2.24.7 Beta
Unobtrusive status bar menu solution for adjusting the volume of multiple audio devices with minimal effort
In the AudioSwitcher panel that is automatically added to your status bar you can quickly view all detected input and output lines: the app scans your system and updates the list in real time.
The application allows you to see the device name, its purpose (input or output), its type, and provides a simple slider bar for adjusting the volume in each case. Moreover, via a drop down menu placed in the bottom left corner you can easily adjust the audio sample rate.
Simple solution for managing multiple input and output audio devices
By default, AudioSwitcher includes all the audio devices connected to your Mac: this is extremely useful, but the list might be cluttered unnecessarily. Via the AudioSwitcher Preferences you have the option to setup default input and output devices, but you might also choose to completely ignore certain audio tools.
Furthermore, AudioSwitcher allows you to setup the default volume level for the default audio input and output devices, and offers you the possibility to visualize the volume level expressed in percents in the status bar.
Streamlined and intuitive utility for dealing with an unlimited number of audio input and output devices
AudioSwitcher is a great tool to have around if you need to work with multiple audio devices at the same time. The app is able to adjust the volume level for each connected device without making you change the default input or output tool, can ignore certain devices, and more.
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Application descriptionAudioSwitcher is a very easy to use status bar menu application that gives you the possibility to switch between diffe...


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Savoy House Presents The Lombard Bath Collection, From Designer Brian Thomas. Curved Clear Glass Has Deep Ribs That Capture The Light And Sparkle Against The Polished Chrome Finish.
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Oak Creek West's Student Council will be running a Toys for Tots drive. The collection boxes are located in the main office and will be picked up on Thursday, December 11th. Please make sure all gift donations are new and unwrapped. Thank you in advance for your generous...
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The Quarter One Honor Roll is posted outside the Guidance Office, Library, and Main Office. You must have a 3.25 or higher Quarter Grade Point Average to achieve Honor Roll status. Students with questions or corrections should talk to Mrs. Clark in Guidance. Honor Roll will be posted...
Attention parents: Today, Friday, November 14th, students should be bringing home their first quarter report card. The report card will also be available to you on the Infinite Campus parent portal beginning this afternoon. The report card can be found on the "Reports"...