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Personal Austerity: 12 Ways to Radically Cut Your Expenses
How often do you hear people talk about how they would live their dreams if they only had a bit more money? People always dream about moving to a remote area or about staying home with the kids or about relocating to the bug out location, but often feel that these things are financially unreachable. Do you do this yourself?
If so, then maybe it's time to take a good hard look at your personal finances and enact a personal austerity plan. Most people would be surprised at the changes that can be made when they rethink the definition of the word "necessities".
aus·tere[aw-steer]adjective1.severe in manner or appearance; uncompromising; strict; forbidding.2.rigorously self-disciplined and severely moral; ascetic; abstinent3.grave; sober; solemn; serious.4.without excess, luxury, or ease; limited; severe.5.severely simple; without ornament ; lacking softness; hard
With the gloomy economic forecast, it's not reasonable or rational to expect things to improve in the near future. If you want to be somewhat immune to the financial difficulties coming down the pipe, you need to perform a financial makeover to pare down the monthly output to the bare minimum.
Does this sound kind of grim? It's not – decreasing your monthly output provides a different kind of safety net. You can end (or at least reduce) your slavery to the system, where the government helps itself to at least 30% of your paycheck through payroll deductions. With your newfound freedom, you may discover that you have the money to start a business, relocate, or cut back your work hours to spend more time doing the important things in life.
Devastating financial changes are coming to a location near you. Wouldn't you prefer to make the cuts now and adjust accordingly, instead of having them forced upon you through evictions, foreclosures, repossessions, and other painful methods?
Redefining necessities
If your finances are out of control, the best possible reality check is a stark look at what necessities really are. It is not necessary to life to have an iPhone, a vehicle in both stalls of your two-car garage, or for your children to all have separate bedrooms. People in Southern and Eastern Europe right now will tell you, as they scramble for food, basic over the counter medications like aspirin, and shelter, that necessities are those things essential to life:
- Water
- Food (and the ability to cook it)
- Medicine and medical supplies
- Basic hygiene supplies
- Shelter (including sanitation, lights, heat)
- Simple tools
- Seeds
- Defense Items
Absolutely everything above those basic necessities is a luxury.
So, by this definition, what luxuries do you have?
Some are more important than others, based on your lifestyle and might be considered secondary necessities. You might require transportation, work clothing, a computer and an internet connection, electrical appliances, a cell phone – you are the only person who can define which are these are luxuries and which are secondary necessities. It's essential to be truly honest with yourself and separate "wants" and "I really enjoy having this" and "the kids will complain without it" from "needs"
For example, I am a freelance writer who lives in a remote area. Without an internet connection and a laptop, I have no work. For me to make a living, therefore, my computer and monthly internet bill are a necessity. However, because I work from home, a fashionable work wardrobe is not important to me. I can wear jeans and a t-shirt to work every single day, and it won't affect my career at all. If you have to go out to a job in customer service, for example, then perhaps a computer and internet connection would be less important than a good-looking career wardrobe.
My Personal Austerity Plan
A couple of years ago, I began to see the writing on the wall for my own personal finances. I'm a single mom and my former husband is deceased, so there is no child support coming in. So as far as raising these children goes, I'm the only game in town. I realized that the industry I had been working in for many years was very shaky (automotive) and that I'd better get my financial house in order.
I began to cut expenses as quickly as possible. I was making a very good income and our lifestyle had "improved" with each pay raise and promotion. Although these changes were not incredibly popular with the kiddos, I made them ruthlessly. I made the following adjustments:
- Moved from a 4 bedroom home to a small 2 bedroom
- Cut cable and home phone
- Began providing a limited budget to the kids for school clothes, winter coats, and holiday gifts. If something "better" was wanted, the difference had to be earned
- Made the kids do extra chores for privileges like field trips, vacations, and houseguests
- Began cooking entirely from scratch and limiting meals out to birthdays or long trips
- Got rid of the current model year car and got an older, more affordable vehicle
- Began gardening, preserving bulk foods, and shopping through mail order sources
These efforts paid off within a few months, because my prediction was right – I got downsized. Had my expenses been at their former level, we would have struggled to keep the electricity on and food in the cupboards.
When I lost my job, I began looking for ways to make money from home. I was fortunate and picked up some freelance jobs pretty shortly, but I realized that I couldn't make ends meet with what I was making, at least not in my then-current location.
So, I began a search for a less expensive place to live. The beauty of what I do for a living is that I can live anywhere – I only require a reliable connection to the internet. Within a few months, we'd located a very distant, very remote little cabin in the North Woods. We sold a bunch of stuff and then packed up the rest and moved 7 hours north to the boondocks, a move that saved over $1100 per month when compared to city life.
Get a Picture of Where you Are, Right Now
I realize that the changes I made are not changes that will work for everybody. I'm not suggesting the changes are a whole lot of fun either. Adjusting your own situation requires a brutal analysis of your expenditures. If you can't get your partner or spouse on board, it's all but impossible to do a complete overhaul. Kids, however, have to deal with it – expect loud complaints but be firm.
Print off your bank account statements for the past 2 months. On a piece of paper, track where your money is going. List the following
- Rent/Mortgage
- Utilities
- Car payments
- Vehicle operating expenses (fuel, repairs)
- Insurances
- Credit card and other debt payments
- Telephone/Cell phone
- Cable/Satellite
- Internet
- Extracurricular activities for the kids
- Extracurricular activities for the adults
- Dining out
- Groceries
- School expenses
- Clothing
- Recreational spending
- Gifts
- Miscellaneous (anything that doesn't fall into the above categories gets it's own category or goes here)
Don't say to yourself, "Well, I usually don't spend $400 on clothing so that isn't realistic." If you spent it, then it's realistic. You are averaging together two months, which should account for those less common expenses. Brutal honesty isn't fun, but it's vital for this exercise.
So….what do you see when you look at your piece of paper with your average monthly expenditures for the past two months? Are there any surprises? Did you actually realize how much you've been spending?
It can't continue like this. The economy will not withstand it. Step one is to see where you can cut things out right now from the above expenditures. Can you reduce your grocery bill? Slash meals out? Budget more carefully for gift-giving and school clothes?
Design Your Own Personal Austerity Plan
Step two – this is where the brutal cuts come in. What can you change about your life? Where can you reduce expenditures by several hundred dollars monthly? This is the point at which most people say, "I can't." Most people don't want to move to a smaller house, get an old car, or go without premium cable. But this is where you can truly dig in and change your life.
As I said before, everyone's situation is different. You may be locked into a mortgage on a huge house in a market that won't even cover the balance of what you owe. It could be the same with your vehicle. Explore all of your options, though, because paying a few thousand dollars to get out from under it could be worthwhile. Some people could have reached the point where they must begin to default on payments. That too, is a personal choice. I'm not recommending that you blow off your obligations. (However, do consider the fact that large banks get bailed out by the government, and everyday people do not.) Before making decisions like that, be sure to discover all of the potential ramifications, such as repossessions, garnishing of bank accounts, and ruined credit.
Here are some cuts to consider:
- Move to a smaller house. Contrary to popular belief, no child ever died because he or she had to share a room with a sibling.
- Relocate to a small town. Is it worthwhile to commute to a job in the city from a smaller, less expensive location? This can give you the added opportunity of homesteading and providing for many of your own needs. Click HERE to read about what you need to know before making such a move.
- Get rid of your late model year vehicle. Look for a decent used vehicle that you can purchase with cash.
- Cut back to one vehicle or even no vehicles. Sometimes public transit and your own two feet can provide all of the transportation you really need at a fraction of the price of owning a vehicle. This varies by location.
- Stop using credit cards. This goes for any type of lending system that requires you to pay interest. Stop accumulating debt.
- Don't eat out. Limit meals out to no more than once a month or special occasions. Even better, don't eat out at all. Dining out, even at a fast food place, is at minimum 4 times more expensive than the same meal prepared from scratch at home. (And far less healthy!)
- Look for free or low cost entertainment. Consider a family YMCA or community center membership instead of gymnastics clubs or private tennis lessons if you need to enroll your kids in some activities. Go hiking, have picnics, explore parks, go to the library, and find out what's offered for free in your home town. Learn to enjoy productive hobbies like canning, carving and needlework. Switch from cable to Netflix.
- Use the envelope method to budget for shopping trips. For back-to-school shopping or Christmas shopping, decide how much you want to spend. Put that money in an envelope. As you shop, place each receipt in the envelope. When the money is gone, it's gone. If there's something else your child desperately wants, then they need to decide what item they'd like to take back to get it. Be firm and stick to your guns. This has the added benefit of teaching your children to budget.
- Reduce your monthly payments by cutting things like cable, cell phones, home phones, and/or gym memberships. Look at every single monthly payment that comes out of your bank account and slash relentlessly.
- Shop using the stockpile method. Shop only the sales and simply replenish your stockpile.
- Eat leftovers. Have you ever stopped to think about how much food you throw out every month? You can often provide a few "freebies" every month by carefully repurposing your leftovers.
- Stay home. By spending more time at home, you will spend less money. You won't be grabbing a bottle of water, going through drive-thru for lunch or putting fuel in the car. Learn to treasure you time at home with loved ones – it's worth more than money.
This is not a comprehensive list – when you look at your personal expenditures, other ideas will present themselves.
Why Now?
Why is it so important to make these changes?
Because if you don't change your way of life, the government will. A job loss will. Inflation will.
When cuts are made, the Powers That Be make sure to devise it so that those cuts affect the average person – the voters. They can make it hurt, then swoop in and "rescue" us, by further enslaving us.
You want medical care? Get this handy microchip inserted in your arm.
You want food for your kids? Turn in your guns.
You want the electricity turned back on in your home? Sign on this dotted line – it's only your freedom.
These upcoming cuts won't hurt the ones who are making the cuts. Congress members will still get large salaries and raises. The First Lady will still spend millions of taxpayer dollars on vacations that would make Marie Antoinette blush. The White House will still serve gourmet meals while Americans are digging through the garbage to stave off hunger. The budgetary decisions are scare tactics, bread and circuses, all designed to distract people from the collusion going on between the UN, the global elite, the bankers, and the governments.
Realistically speaking, the way things are going, none of us is likely to get a hefty raise. We'll be lucky to keep the incomes we have. But expenses are only going to go up. To keep the true necessities within reach, we need to reduce our expenditures and put away emergency funds and stockpiles.
Personal bank accounts are being plundered across Europe. People are not just living paycheck to paycheck – there ARE no more paychecks. They're living hand to mouth, hunting and gathering what they can in order to stay fed.
Making some difficult changes now can provide a stable standard of living in a world that is going downhill at breakneck speed. By decreasing your monthly output, you can hang on to necessities. I'd rather choose my own austerity plan than to have it forced upon me.
Please feel free to share any information from this site in part or in full, leaving all links intact, giving credit to the author and including a link to this website and the following bio.
Daisy Luther is a freelance writer and editor. Her website, The Organic Prepper, offers information on healthy prepping, including premium nutritional choices, general wellness and non-tech solutions. You can follow Daisy on Facebook and Twitter, and you can email her at firstname.lastname@example.com
39 Comments to Personal Austerity: 12 Ways to Radically Cut Your Expenses
great read !
you should move to montana !
you'd love it here !
;0P slurp !
p.s. – don't let you know who get under your skin … you are much loved and missed . ;0)
Awesone website and comments on "other" blog. I'm a single mom as well and its hard enough taking care of business let alone prepping too. Keep on keeping on and if you ever find yourself on the eastcoast look me up!! The kids would have a blast! love ya sista'
Stacking health is extremely important, maybe the most important. Cutting the gym membership should only be done if you are replacing it with an effective plan. I walk/run my GSD's 3 miles 3 or 4 times a week, that is good for cardio. But my muscle strengthening is weak because I let the gym lapse, dumb bells at home never work out unless you are highly motivated.
Great article. Basic survival needs a plus when the dollar crashes.
Good article. Thank you. I've been downsizing for a couple of years now. My wife and I didn't agree on some things and she decided to leave. In the process we got rid of over 20 years of "stuff" – some of it I didn't even know we had any more. The house went so I had to make a decision as to where I would live. An apartment – spare me. A big city – no thanks. I finally ended up buying a travel trailer and setting up housekeeping for one in it. Moving into a travel trailer soon shows you what you can get along without just fine. I own an 18 year old car that runs and drives just fine – A Ford Crown Vic. Great car but not too good on gas mileage. But it's been paid for for a long long time. All in all, Ive learned to live on about 1200.00 a month. And I have some extra for a couple of six packs – the cheap stuff, of course.
Stupid Ass!
We're already doing it! On clothes, groceries, entertainment.
It's inevitable, anyway.
What nerve you have telling THE People that! Go advertise it to tptb!
See if they'll listen, or throw your sorry ass in jail!
we have done all of this out of necessity sorry to say. the only thing i kept was cable because we don't go out for entertainment very often.(birthdays, special occasions, visitors, etc) are really only times) even then it is a big stretch on our budget.
we need to factor in medical expenses on the list of basics. we are pretty healthy here but my husband had a recent one day stay in the hospital and we incurred about $2000 worth of out of pocket medical bills, which is $2000 more than we have.
Austerity is only hard when we compare it to something else. Many children during 29-39 Depression have written that they did not realize they were poor. Much credit should be given to their parent(s).
Today, even reasonable frugal measures are considered austere. When I have had a conversation with someone who admits to debt and financial trouble, I have admitted to some of the money saving measures that I have used for many years. Instead of being interested, they think I am over the top. Believe me, they aren't. They don't get it that a little savings here and there at the end of the month, and the end of the year, add up.
The one thing I would add to your list of absolute essentials would be a "washing machine," but more specifically a wringer. After all, it is a simple tool. Due to special situations, I have washed and wrung clothes by hand in the past. The washing part isn't too bad, but it is a problem with the wringing. I am glad that they were short periods of time. It is a killer on the hands, especially heavy materials.
I would also add that while "simple" tools are not a problem, the right tool for the right job to be completed correctly and effectively is important.
There are other good ideas for washing machines, but my father has told me about the WWII South Pacific "washing machine" http://www.motherearthnews.com/do-it-yourself/build-cheap-washing-machine-zmaz76zhar.aspx#axzz2PWzvJSm2
I grew up pretty much as austere as a family gets. But mostly we just called it being dirt poor from where I was raised. But I suppose when people like to think they have a little bit of a choice in the matter they use finer words.
I'm just past halfway through my 35th year so I don't suppose I'm what many would call old but I do have what some call an old fashioned upbringing. I gathered eggs and plucked chickens skinned rabbits and squirrels and cleaned fish all by the age of 12. The first time I lived without indoor plumbing I was 11. We went outside for the lady's business rain or shine, day or night, summer and winter. We carried water inside to bathe from the front yard pump if it wasn't frozen solid in the winter. We hauled from town or the neighbor's house if it was.
Sometimes my Mother would be needed to milk the neighbor's cow in the evenings and after school I would through hay to the milk cow and the horse. In the summer I would take my soap and shampoo to the creek so I could swim and bathe at the same time. That was the year I met my Dad. We were still poor but we changed houses had one with indoor facilities but my Dad was very Frugal. He was born in '39 by parents who had just come through the depression and who already had an older daughters few years older.
I learned many things from him that I hadn't and would never had learned from my mother. Like how to fish, and forage and how to cook and sew a hidden seam and a whipstitch, and how to do beadwork, about stones and gems, to making flint tools and leather and rawhide. But my Dad also taught me that all ladies were women but all women were not ladies, and just because a man opened the door for a lady he was not insulting her independence or her femininity. He taught me how dance a box step and I surprised him through the years by all the times I repeated something that he had said when he was sure I was ignoring him.
But never was I prouder of my childhood and upbringing when my son an infant my husband a truck driver out on the road, my car broken down, and not a soul in town that I knew to call for help. I needed to go to the market it was 2 miles one way with my baby stroller and only what we could fit in the basket underneath coming back. So I was shopping often. We didn't own a washer or dryer either so I washed and rinsed everything in the bathtub and hung line in the back room to dry them since I had no way to mount anything to hype concrete pillars on the porch and only so much line no way to get more til my husband came home again in weeks, or months, who knew. Didn't even have clothes pins. We had been living in truck stops driving team up to that point. Hadn't needed anything.
I learned how to sew at 15, cooking since I could reach the stove, I learned to can and preserve different types of foods, I joined the military so I know tactics, defense, weapons, combat life saving techniques, I've been learning medicinal an edible plants since I was 12, I have always tried to be prepared for outdoor survival readiness in many different terrains and I started learning these things when I was 12. Not when I joined the military and had it forced upon me but camping learning how to build a fire from natural surroundings, how to lose a hundred years of tech and still not die of starvation, or dehydration, or because I couldn't tell the difference between Queen Anne's Lace and Poison Hemlock.
Most people like you are not thinking of the bigger picture. But you may have you think bigger as well. When total anarchy reins and chaos ensues finding a wringer washer isn't going to be priority. It will get there but there's going to be a lot of death and dying before anyone is going to be worried about needing pristine clothes again. Then there may only be a community laundry. Kind of how women made livings without being prostitutes throughout history when things got bad. Laundresses, seamstresses, schoolteachers, governesses, cooks, housekeepers, even spies. I don't figure if the country collapses, then rules of men and God won't either. Women might be near equal of men right now but I wouldn't expect the women's suffrage movement to suffer at the hands of anarchy.
Every one has strengths and knowledge that can be utilized and if not there is plenty of room in the old nugget to find a place for more necessary knowledge for the betterment of the community.
Great suggestions! Another thing I would suggest is taking a look at your auto/home insurance and seeing if you can increase the deductible in order to lower your monthly premiums. I did this a few months ago and was able to cut a little over $100/month by increasing our deductibles to the max. We are careful and haven't had a car accident in many years and only had one claim on our home in all these years.
I did my own austerity downsizing years ago and now am living a much financial headache free lifestyle. Never eat out. NEVER!! I Only buy what's on sale at the supermarket and put into my 5 cu ft deepfreezer for later or stash in my storage area. Have saved a bundle on that alone. For a $160 deep freezer I've saved that many times over for the past 6 years.
I have a 1994 car that has 186K on it and will keep it as long as it holds together. Haven't had a car payment in years just the regular upkeep with license tags, insurance, oil changes and major repairs are needed. People who just HAVE to have the latest car are just throwing their money away each month with car payments and higher insurance rates. I have full coverage on my 94 car for less than $50 a month towing and rental car included!! A new car insurance monthly payment would be 4X that easily. Also fuel additives like Lucas for your gasoline can definitely boost your MPG numbers. I go from 14MPG to 19 or 20 when I use it. Only an oz or two is needed…not the whole bottle. A big bottle of the stuff is $12 and lasts me a long time. Instant gas mileage improvement that won't hurt your engine if used in moderation.
I shop the Dollar stores and find great bargains there in all departments. You'd be surprised at what great kitchen utensils they sell.
Coffee is another luxury I enjoy daily but at rock bottom prices as I have discovered espresso coffee from Puerto Rico and Cuba that is grown in South America at a fraction of what Starbucks wants for ground or whole bean espresso. Just because 10 oz costs less than $3 does not mean it's cheap tasting either. I've discovered 2 brands of great espresso – Benita and Pylon that are less acidic and less bitter than Starbucks. The folks in Puerto Rico and Cuba aren't dumb. They love strong coffee at reasonable prices. Much better than Maxwell House or Folgers as these two brands don't have all the filler in the coffee.
Also check out your local electric company for any financial help they offer on your monthly bills. I save about $600 a year by signing up for their programs.
Also shop by internet can save money. I usually can't find items locally where I live so I depend on finding bargains online all the time. No matter what it is I can generally find it lower priced (including shipping) online. Just a little patience is needed when ordering. I avoid going to local stores unless I call first to price check.
I fear for our country when the inevitable happens. How will people deal with food shortages and no electricity. It's coming.
Walmart Cell phone $30
Shop at Trader Joes
Bulk food from pleasant hills grains
emergency essentials from beprepared.com
defense … buy a gun and amo
if you don't have a job then
buy a suit at Goodwill
become a telecom agent
solicit B2B and lower peoples phone bills
more tips – H20labs.com buy a home water distiller
get a safe – stock up on bullion 1 oz silver coins
network with a church – best is Orthodox
pray and detox – no alcohol nor drugs
eat a raw foods diet if possible
Good Luck – stay well … make a back up plan
Mark, where is the best place to get inexpensive silver?
not a pawn shop…walk not run from there. google for local coin shows, and find a dealer who sells "scrap silver". thats 90% silver pre-1964 coins. It usually will sell consistent with spot prices. Check kitco.com for current spot silver prices, and you can google the current 90% silver conversion rate chart so you have an idea what it will cost before you go. For bullion, dealers will charge a small premium, usually based on what it cost them to get the bullion plus shipping they paid, and a little extra so they make something off of it (some will mark up A LOT, or may be stuck with silver they bought at a higher price and cannot cut the price) shop around the show for the best price. Look for someone advertising "We buy junk silver".
My husband (ronsrarecoin at aol dot com)deals in bullion, and sells bullion only as coins, because the bullion is "monetized" and therefore not taxable. You cannot tax the "tranfer" money~~at least not yet. But the little bullion bars, ingots and tokens can be taxed. Straight up American Eagles, Canadian Maples leafs (not collector variations) and Mexican Libertads carry the lowest premiums.
I hope this helps, remember when buying PMs educate yourself and don't get duped.
We have downsized at home too.
We drive old paid for cars. Have a fully stocked pantry of items we purchased on sale. Rarely eat out–pack when going on a road trip or one of the kids activities. The kids love to shop at second hand thrift stores. Take our coffee with us in the mornings. Got rid of our home phone.
Thanks for all that you write about!!!
I pay 12/month for cellular phone. Pagepluscellular.com
"People in Southern and Eastern Europe right now will tell you, as they scramble for food, basic over the counter medications like aspirin, and shelter…" – can you please be specific. Which Eastern European countries?
Excellent essay. Just a few observations:
* I can wear jeans and a t-shirt to work every single day, and it won't affect my career at all. In fact, you could even be NIFOC (naked in front of computer) and no one would know! Not recommended during those Canadian winters, though.
* Stop using credit cards. That should read "Stop carrying a balance on credit cards." If you pay in full each month, your interest rate is zero. If you have a Discover or other "reward" card, you can even turn a profit. A few years ago I used the cash reward from my Discover card to buy a handgun. Now I use it to pay down the mortgage. Also, if you wind up with damaged or undelivered merchandise, getting redress is far easier if you paid with plastic. And good luck renting a car or doing many other things without a credit card.
* Regarding cell phones, if you simply must have one then get a TracFone or other pre-paid phone. One hour of time for three months costs all of $20. (Some phones offer double minutes.) And as long as you pay for everything with cash, it's totally private.
Finally I am reading something that defines the sanity behind our family choices that have been implemented over the past 15 years. We decided a very long time ago that we were not going to play the game of spending like a drunken sailor to further enrich the already wealthy, greedy, pigs at the top of our economic food chain.
For us, giving up all the money robbing life expenditures that were not ESSENTIALS became a delightful game. With every change we m are that kept more of our money and life control with our family, we celebrated the fact that we were depriving the WEALTHY.
Think about it folks. If we all drop the extras right now the media companies DIE! The cellphone pigs DIE! The corrupt bankers DIE! We can BREAK THEIR BACKS if ONLY we will all do what is smart.
This is a hunting trip I have enjoyed for many years. I love being home with my family. We have not had a television in our home for YEARS now. What a blessing that is. Try it and you will be amazed at how YOU, as a human being, change and reclaim yourself.
Thank You so much for this article. It feels so incredibly honest and really is a genuine effort in helping others to understand what needs to happen if people wish to be empowered.
i did call the cable company and told them i was dropping services. they immediately put me through to the retention dept. and i was able to negotiate a much better deal than i had. negotiation is an important tool in trimming the budget. i shopped around and negotiated for some major dental work about a year ago also.
we decided to cut out satellite tv (and cable) we only have netflix. the kids don't even know the difference as their shows are always on and for only $8 a month
I discovered canning! I will never buy processed jam ever again.
Like others our cars are older models but paid for
One splurge we do make is our children's sports (hockey, lacrosse and swimming lessons) but access every free activity that our small town offers. The library staff knows all of my kids names (as we are there all of the time!)
Even our furniture reflects our cost saving lifestyle. We got rid of 95% of our belongings when we moved to another province and have rebuilt our furniture threw second hand shops and cast offs of new friends.
We love living simply and don't look upon our new lifestyle as a hardship
I am already doing all of this. It takes getting used to, but gives me peace.
Don't forget yard sales and church rummage sales. You can pick up all sorts of things. Board games and movies usually go for around a dollar a piece, clothing is super cheap and I've seen boxes of canning jars given away just to get rid of them.
Try to get to the chruch sales in the upper class neighborhoods, it's practically like shopping in a department store…and it's good family fun, my kids love it.
Lots of good ideas here!
I think when you grow your own food, are thrifty, and live simply, you appreciate more what you have.
A brilliant read and well worthwhile to take up some if not all of the advice given here. Too many people are caught up in the trap of materialism and the powers that be are fully aware of this-and even actively encourage it!The sooner people realise that basic necessities are really the only things you need the sooner the material peddlers power is diminished…excuse me the secret police are knocking at the door…keep up the good work!
I feel the most important first step to living simple is to get rid of the credit card! I found myself a SLAVE to them. Paying outrageous interest and barely making a dent in the principal every month really did enslave me from doing the things I had planned for my life. Now I am my own credit card company, I use the money in my rainy day fund as my bank. If I borrow from it I use the same credit terms as a credit card company, 30% interest, $30 late fee. This makes me take a very serious look at what I think I need to buy compared to what I need to make my life better. Cutting into my regular budget to pay ME the bank first effects everything on my already sparse income and reinforces my commitment to living a simple comfortable rewarding life style. Wait till you see how much money you were sending to faceless, nameless strangers just so you could have that new toy! At least this way if you buy that toy you are still investing in yourself.
This is a great article for beginners. However, as a mother of 5 I have more those sacrifices long ago & learned even more ways to trim the budget. First, we combined families. My mother-in-law had a 4 bedroom paid for home, with just her, but she needed F/T care & the house needs repairs. We barter with friends for almost anything, for example: help with those repairs, clothes, new to us computers while they love for me to cook them some of my homemade food or I'll clean or babysit, whatever I can do and my husband will trade his expertise as a tree trimmer or fix their cars. We always have our kids, who are teens, help with these projects. I advertise those extra skills our family has on Craigslist, as well. We can bring in a lot of extra money that way. I also advertise on Craigslist if there is something I need but can't afford, like when I needed home medical aids to take more intensive care of Mom or pallets for those great projects you post (I found a guy who had 50 at $1 a pallet!!!) I only shop thrift stores and I not only donate to my clothing bank I also shop there, too, because kids are constantly growing out of clothes. Hand-me-downs are a must. With food shopping, I've learned what to buy at what store in my town and to always get the sales papers on Wed and coupons from the internet & Sunday paper. I spend $150/week for 9 people! And I cook items based on sales and coupons but also I make things like soups, stews, casseroles, etc that have left overs so they last for 2 dinners. We also eat a lot of rice. Snacks are a rare treat normally bought only when there at fantastic prices. At the local flea market, they have a stand where they have single wrapped snacks for 5/$1. Produce, eggs, honey, homemade cheeses at the local farmers market are cheaper then stores. I'll leave it at that, but remember: when budgeting/making money, it's imagination and information that makes the difference.
Getting the partner on board IS truly all but impossible. Not sure how to convert her thinking process. We are totally not on the same page regarding the simple lifestyle. After several months of trying, I'm just now breaking ground on a gun purchase (home defense) and I'm not even sure how close I am on that yet because she has zero interest in anything discussed above in the article.
Another idea: Get off the computer upgrade scam. Every few years the software monopoly in Redmond, WA comes out with a new operating system that you just 'gotta have'. The new system takes more horsepower than your old computer so you have to get a new one too. Sound familiar? I switched to open source Linux which does have a learning curve. Some Linux distributions like Slackware (my favorite) will allow you to keep your old computer and it has the same functionality as the new bright shiny one.
In my house, we managed to get rid of a few cell phones, in favor of one home phone.
I am preparing for financial meltdown and cutting back on spending money. I buy fresh produce when it is in season and on sale and can it. It's is simply to do. If you oil fresh eggs and keep in refrig they will last for months so I wait until they are on sale. I also dehydrate some fruits and vegetables for storage. Use a rain barrel to water that home garden and compost it with scrapes veggies, egg shells, coffee grounds etc. It cost more money to flush the toilet than run water so we w
don't flush every time. I got rid of the IPhone and have a prepaid cell phone. I make my own laundry detergent which saves lots.
So many ways to save and be prepared for what is coming.
This is how my wife & I cut back. We do not have a cellphone. (There is no way we will ever pay for those contracts, we have a house phone and those phones are way too small to go on the net with). We get $30/month liability coverage only for our cars from 4autoinsurancequote.com. We have 1 credit card for emergencies only!. If you cant afford it do not buy it, its that simple. (That is where many people mess up). Our home is refinanced at 3& 1/2%. The only way I think we could cut back more (and we are thinking about it) is dumping cable tv and watching shows online.


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Pinterest. Tumblr. You gotta know 'em.
I've been helping Moms and women (and a good number of men!) keep up with the news for many years, truly believing it is important to know what's going on in your neighborhood and world even while you're busy doing other things. If you're a Mom who is taking time out of the workplace, you know how important it is to keep up with your industry, too.
But now, with job postings calling for a "web presence" or "at least five Pinboards," there's another mountain looming--one of time-consuming things to learn and do if you want to stay competitive in the workplace now or in the future--things beyond Facebook, Twitter, Google+ and LinkedIn (which you should already be using one or more of anyway).
So, let's start a dialogue of what's needed to stay current these days, and add to it over time. Be sure to add your thoughts in the comments, please. Again, this won't be an exhaustive, but it's a start!
1. Know Tumblr (super easy blogging software), Pinterest (the latest Web phenom where you "pin" things you find intersesting), Google Docs (it's all about sharing in the cloud these days), Dropbox (transfer large files), TaskRabbit (find people to do things for you like go to the grocery store or put together Ikea furniture) and Prime (meaning Amazon Prime).
2. Understand the growth and power of sites like Gilt, OneKingsLane, Groupon, LivingSocial, RueLaLa, and the many others that are popping up just like them (hint: all offer deals).
3. Understand how important Facebook is to companies like Zynga (gaming company that derives majority of revenue from Facebook) and Airbnb (rent a room in someone's home for the weekend) and Branchout (find a job).
4. Try to read Top 10 publishings now and then, like this one from FastCompany: http://www.fastcompany.com/most-innovative-companies/2012/industry/webinternet
5. Pick a site or two to read daily (or at least a couple times a week - even reading the headlines will help!), like WSJ's Career section: http://online.wsj.com/public/page/news-career-jobs.html?mod=WSJ_topnav_careers_main
6. Read our weekly-ish EMAIL! You'll walk away smarter in five minutes or less. SIGN UP
What are you doing to stay current?

subset: commoncrawl


text:
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Available locations:
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text:
It's beginning to feel like home
Beginning my second full week in London, I have a lot to look back on. I am finally settled into my room, can sleep through the tube noises outside of my window, and the pizza man at Whole Foods already knows my order. Even though I am comfortable in my new home there is still a lot for me to discover.
St. Paul's Cathedral:
I visited St. Paul's Cathedral and participated in their Sunday service. The dome of the cathedral, one of the largest in the world, is easily spotted from areas around London and was one of the first things I noticed when I first arrived. According to Foder's London Travel Guide, the dome crowns the center of the cathedral and rises to 364 feet. You are allowed to climb to the top but because I was there for a service I did not have that opportunity. There is a statue of St. Paul himself outside of the cathedral by the west entrance and he has witnessed many famous processions. The funerals of Admiral Lord Nelson, the Duke of Wellington and Sir Winston Churchill were all held at the cathedral. Also, the royal wedding of Prince Charles and Lady Diana Spencer was held here. The royals must really like this particular cathedral because the jubilees of Queen Victoria, George V and the present Queen Elizabeth were celebrated at St. Paul's. This magnificent building was created by Sir Christopher Wren who said "I build for eternity" and sticks to his word when it comes to this cathedral. My Foder's travel guide of London gives a brief history of St. Paul's Cathedral. Built in 1710 it took 35 years to complete because of much controversy and argument. The original plan was for Sir Christopher Wren to restore the current St. Paul's but because the Great Fire had destroyed so much of it he had to create a new edition. It took three plans to finally get approved so they could start the building process. The cathedral, as a whole, is a beautiful creation and when looking up from the inside, the dome looked endless. There are four unofficial sections of the dome at St. Paul's. The first section at 99 feet is the Whispering Gallery. It gets its name because if you whisper something to one side of the wall it is heard seconds later on the other side. Next, at 173 feet is the Stone Gallery. It is on the outside of the cathedral which gives great views of the city and the River Thames. The Golden Gallery is the next point on the dome. At 280 feet it is the highest point of the outer dome and through a hole in the floor gives a long view down inside the cathedral. Lastly, at the very top is a ball and cross which sits at 23 feet high and weighs about seven tons. I thoroughly enjoyed the service just because it was a new experience for me, but also being surrounded by the beauty of the cathedral made the service more sentimental. I highly suggest a visit to St. Paul's Cathedral to tour, walk to the top of the dome or sit in a service.
Wicked the Musical:
I saw the musical Wicked at the Victoria Apollo Theater four days ago and I still get goose bumps when I think about it. It was my second time seeing the musical but it had been so long ago I forgot about the entire second act. Wicked is a prequel to The Wizard of Oz and focuses on the relationship between Glinda, the Good Witch, and Elphaba, the Wicked Witch of the West. It premiered on Broadway in October of 2003 and because of its success numerous other productions have been started worldwide. According to the official website of the show (wickedthemusical.com), the original Broadway production won three Tony Awards, six Drama Desk Awards and in addition to that the cast album received a Grammy. The musical begins before Dorothy's arrival and often references the story everyone knows about her journey in Oz. The musical pieces used in this production are outstanding by themselves. Many of the people in the audience knew the songs even if they had not seen the play. Songs such as "Defying Gravity' and 'For Good' are some of the popular songs from the musical. Each song deserved a standing ovation and it was hard to resist not giving them one until the end. The set was amazing and very detailed. I thought this musical was interesting because it explains what happened before The Wizard of Oz and connects to the original story while having a different story line.
Wimbledon Commons:
Every year around the end of June and early July thousands gather to watch the world's best play tennis at Wimbledon. About ten minutes north of the tennis courts is Wimbledon Common, the biggest pasture left in London with fields of wild and beautiful grassland. There are stables that offer riding tours and in the middle of the commons is the Wimbledon Windmill and museum. When I visited Wimbledon Commons I had seen the tennis matches earlier in the day. It was great to see the open land of the Commons as I had been surrounded by so many people earlier that day. The official website (www.wpcc.org.uk) claims that The Commons are made up of about 1,140 acres of countryside that are "an area of calm and tranquility in the midst of the urban sprawls." The Commons have woodland, scrubland, heathland, mown recreation areas and nine ponds. When I visited I took a nice, short hike around The Commons and saw a few of the ponds. It was refreshing to get away from the hustle and bustle of the city while not being so far away from the city.
Holland Park:
London is home to numerous famous and royal parks—Holland Park is one of them. It has only been open to the public since 1952 because it was formerly the grounds of an aristocrat's house according to my Foder's Guide of London. There are three main sections of Holland Park. The northern part of the park is filled with trees and offers nature walks among trees planted in the early 18th century. The central part of Holland Park has manicured lawns where you can often spot a peacock when you visit. The southern part of the park has room for every sport lover to enjoy with cricket and football courts, a golf practice area and tennis courts. New to the park is a giant outdoor chess set for all ages to play on. I enjoy walking through Holland Park because there is always something new to do from watching children play "football" or looking for peacocks, which is rare sight for me to see.
Kensington Palace:
On the west end of Hyde Park and Kensington Gardens is Kensington Palace. It was bought in 1689 by Queen Mary and King William III and royals have been living there ever since in the private section of the Palace. Recently, Princess Diana lived at the Palace with Prince William and Prince Harry after her divorce and now Prince William and Princess Kate are preparing to move in with their new child. On March 2012 the Palace announced the plan for a twelve million pound refurbishment that would involve new "visitor routes," new exhibits on Queen Victoria, King's State Apartments, the Queen's State Apartments and a special exhibit on Princess Diana's dresses. When I visited Kensington Palace I toured the palace and exhibit on Queen Victoria. The tour took me through the rooms of the Palace starting in the Queen's State Apartments and continuing to the King's State Apartments that were still decorated in time appropriate design. My favorite part of the tour was the exhibit on Queen Victoria. She reigned for 64 years and lived in Kensington Palace for most of it. According to the official website of the Palace (www.hrp.org.uk/KensingtonPalace), this exhibit is inspired by her journals and features many of her personal objects in rooms where she once lived. I found this exhibit interesting because you got to take a step inside of her life while standing where she used to live.
London has many things to offer from outdoor experiences to historic sites. I have enjoyed experiencing things locals experience, such as the parks, while still visiting things specific to London such as Royal Palaces.
So Far So Good
I have only been in London for a week, but by the looks of my feet it would look like I have been here for more. I have walked what seems like every street in the city, but I know there is more for me to explore.
Tower of London:
Riding across Tower Bridge on the double-decker bus I noticed one building that stood out from all the others. The Tower of London is surrounded by modern condominium and office buildings, but draws all of the attention. This is an important building to the city of London and is filled with history, horror and the jewels of the Queen. Being the home of the heavily protected Crown Jewels was not the original purpose of the Tower of London. According to our Tour Guide and Beefeater, the Tower has been home to royals, the first zoo of London, barracks, a mint for producing coins, and an armory. We took a guided tour around the grounds starting at the Western Entrance where we met our Tour Guide, who was dressed in traditional Beefeater attire. I enjoyed this tour because our guide told stories about the grounds rather than rattling off multiple facts. We learned from our tour guide of all of those who had been beheaded in the Tower as well as famous prisoners like Sir Walter Raleigh and Anne Boleyn. After our guided tour we visited the White Tower. In the middle of the grounds is the White Tower which now features many weapons and armor on display. Across from the White Tower is the Waterloo Block where they keep the Crown Jewels. These jewels are guarded by members of the Army and the glass cases they are in is said to be nuclear bomb proof. Looking at the crowns, orbs and staffs that are encrusted with large gems actually hurt my eyes. I literally could not believe my eyes because of the size and luster the gems had. The view from Martin Tower is a great view to have of London because you are standing in an ancient castle-like structure looking out on a modern and growing London. The Tower of London may hold the Crown Jewels but its rich history may make it worth more than the jewels it holds.
Afternoon Tea:
The Orangery is a beautiful place to have afternoon tea in London. Located beside Kensington Palace, it was built during Queen Anne's reign as a greenhouse, according to my travel book, Foder's for London. I took afternoon tea at The Orangery where I had the choice of ten different teas. I had a seat outside with a lovely view of Kensington Gardens and the Palace. We were given our own tea pot and tray with assorted sandwiches and biscuits. While it is rather pricy for my idea of what tea should be, The Orangery is known as one of the less expensive places to go in town for tea. The experience left me feeling like a royal as the china was decorated with crowns and I could look at Kensington Palace, the new home to Prince William and Princess Kate, while I enjoyed my tea and biscuits.
Kensington Gardens:
The gardens of any palace are usually magnificent and Kensington Gardens are no exception. Located a few blocks away from my London home in Kensington, the gardens are behind Kensington Palace and connect to Hyde Park for a total of 625 acres in the middle of the city. Kensington Gardens have beautifully landscaped grounds that leave plenty of room for a blanket or picnic, which is what I have done many times in my trip. There are many walking paths including the Diana Memorial Walk which flows into Hyde Park. The Sunken Garden, built in 1908, is the home to many blooming flowers such as tulips, wallflowers and pansies in the spring, and geranium, cannas and begonias in the summer, according to the Palace website. Princess Diana was a resident of Kensington Palace and loved the land so there are many memorials for her in the park and gardens such as the Diana Princess of Wales Memorial Playground, Diana Memorial Walk, and the Diana Fountain. Another famous royal in the park is the Prince Albert Memorial that sits on the edge of the garden grounds at Kensington Road. According to my travel book, the statue is painted gold and is surrounded by marble statues which represent his interests and amusements. Prince Albert was the beloved husband of Queen Victoria. They lived at Kensington Palace which is why she had the statue made in his memory placed there in the park.
Hyde Park:
The other side of Kensington Gardens is named Hyde Park. The bigger side of the 625 acres is where many of the attractions are located. The Serpentine Bridge, built in 1826, is what separates Hyde Park and Kensington Gardens. The Serpentine and The Long Water are the two bodies of water in the middle of the park. You can rent a boat to paddle around in The Serpentine, which I hope to do later in my trip. The Serpentine Lido is open to swimmers from June to September and during my visits to the park has always had a dozen or so brave souls who jump in to enjoy the water. My Foder's travel guide says that each Sunday since the 1827 legislation of public assembly, Speakers' Corner in Hyde Park provides an outlet for debate to all that want to come and listen or speak their mind as well. My experience with Speakers' Corner was educational because I learned what people care about – not just politics but religion and race are still a controversial topic for everyone. During my visit to Hyde Park I also noticed the many different activities of the people in the park. It was a beautiful Sunday afternoon so there were many families with picnics, people exercising, rollerblading, sleeping and just about every other outdoor activity you could think of. I plan to make Hyde Park a regular destination during my time in London.
Tour of Parliament:
The Parliament building sits on the River Thames and is often considered a landmark of London due to the large clock tower connected to it known as Big Ben. We learned in our tour that while the buildings all look as though they have been around since the beginning many have been rebuilt due to destruction. In 1834 Parliament had to be rebuilt due to a fire and during WWII the House of Commons was damaged from bombs and had to be rebuilt. In the Parliament building it was very obvious that the class system is still important in London today. There are two houses, the House of Lords and House of Commons. The architecture of the two houses, connected by a few hallways, even shows the differences between the two classes. The guided tour takes you through the steps the Queen takes as she opens Parliament once a year. The tour begins in the room used just for the Queen to put on her robes. She steps into the House of Lords and takes a seat in a chair, raised six inches higher than her husband's, to read the plans Parliament has for the country that year. Being in the same room the Queen has been in and in the rooms Parliament is still held in astounds me.
Each experience I have had in London has provided me with new information and sparked new interest in a variety of subjects. There are many more adventures to be had in London and I hope I can learn more about this culture and history I am surrounded by each day.
Newly Acquainted
After a total of 13 hours of travel time I finally arrived at my home for the next month Heythrop College. Located in the picturesque neighborhood of Kensington, Heythrop already feels like home. I still have to pinch myself because I cannot believe I am in London and that I have only been here for three days! I already have a great feel for what the city and I owe that to the double-decker bus tour we took on the first day. It showed us the streets of London and different side of the city – all while driving down the left side of the road! That tour has already been a great help because I used the things I learned the following day while navigating down the Thames River with no map or cell phone! I have seen so much of the city in only three days but I know it could take a lifetime to see all of London. Let's see how much more I can explore in five weeks!
"Sir, when a ma…
"Sir, when a man is tired of London, he is tired of life; for there is in London all that life can afford."
― Samuel Johnson


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A referral for the opinion of a committee, on a legislative or non legislative text, will usually be made at the start of the procedure in the European Parliament. For legislative texts, opinions take the form of amendments proposed to the report drafted by the main committee, accompanied by short justifications where appropriate. For non-legislative texts, opinions take the form of suggestions for parts of the text. Draft opinions are then voted upon by the committee, before being submitted to the committee responsible for drafting the report. This page shows the draft opinions before they are voted.
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All Seasons Cabin / Chalet Borovets
Official Contact Details - All SeasonsPhone: 0035971252397 Fax: 0035971252397
The perfect location for a family or group catered-chalet ski (or summer!) holiday. Excellent facilities, fantastic food, in fact all the home comforts! Transport to Borovets resort. Best value!
- Price from 42 BGN / Day
- Capacity up to 22 people
- 8 bedrooms & 7 bathrooms
(click on a photo to view it)
Last updated: 06/24/2009
This is your property ?
All Seasons is perfectly located for an unforgettable summer or winter holiday in Bulgaria. The chalet is a short distance from the Borovets ski resort, in the village of Govedartsi, only an hour from Bulgaria's capital, Sofia, and situated on the edge of the Rila National Park. The rooms are large and all have tvs with Dvd players (free hire of a wide range of Dvds) and tea/coffee making facilities. You can choose from twin/double/family rooms and a room with four single beds, or book the whole chalet for your group holiday. Children are very welcome.The aim is for you to have a holiday that really is something special as this is a catered chalet-style holiday - three course evening meal with a glass of wine or juice per person is INCLUDED. You will be exceptionally well fed and those requiring special diets or vegetarian meals are very welcome. Arrival day is flexible which helps you to get the best price for your flights, and there is no minimum stay. Shuttle to the ski slopes included.This region has been a well kept secret until now, for anything more than ski holidays, try us in the summer (or Spring/Autumn!) ask to have all the extras activities you may require arranged for you, and come and enjoy it!
Prices & deals
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- Payment Types:
- Cash
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Location & area
Situated in a traditional Bulgarian village. Transfers to the ski slopes is included, approx 25 minutes.
- Address:
- 5 Iskar Boulevard, Govedartsi, 2020, Borovets, Bulgaria
- Accommodation located in:
- mountainside, near cultural interest, near fishing area, near horse riding, near restaurants & bars, near ski area, near water sports, village!
Amenities & services
Fourteen single beds in total. Chalet sleeps a maximum of 22 people. Home cooked three course evening meals plus tea/coffee. Every care is taken for you to have fantastic stay.
# of Units: 1... and each unit includes:
- Bedrooms: 8
- Bathrooms: 7
- Single beds: 9
- Double beds: 4
- Baby cots: 1
- Single sofa beds: 0
- Double sofa beds: 0
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Review - All Seasons
All Seasons - Contact the owner
Important Notice : Avoiding Fraud
It's rare, but some helpful hints to watch out for with regards to fraud:
- It is important to NEVER wire funds or use/employ other fund transfer mechanisms such as western union: Always use a credit card to protect yourself against fraud. If owners pressure you into providing a deposit or refuse to accept credit cards, there is a high probability that this is a scam.
- If at all suspicious of fraud, ask to see their website, or any other literature they can provide or send to you. Ask them for contact details for guests who have previously stayed on their property insisting on telephone numbers. Be suspicious of emails that originate from free email services (yahoo, hotmail, gmail, etc)
- Research the property thoroughly on the internet to see if there is any history or mention of scams associated with the property.


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It's been a rough few weeks for Paula Deen — and the bad news keeps on coming. To help you keep track with the latest Deen controversy, use our handy timeline below.read more
Paula Deen's sons have come to their mom's defense in the wake of her racial slur scandal.
Appearing on...read more
Paula Deen has a few works for the Food Network after being fired: thank you.
In a statement obtained by People, Deen said:read more
Bacon's a surprise addition to the Deens' Sweet Potato Souffle topping.
Jamie Deen opens up about his mother, Paula Deen's, difficult summer following the June scandal which cost her numerous endorsement deals. How difficult was it for the family to watch her deal with the fallout? Does he think she'll make a comeback?
The Deens give Thanksgiving turkey a true Southern touch by deep-frying it.
Parmesan Chicken Cutlets and Loaded Veggie Pasta Salad.
More Clips & Interviews
Paula Deen and her son, Jamie, are in the kitchen whipping their favorite Dad Foods. They're making Creamy Roasted Cauliflower, Jamie's Country Pork Chops, Potatoes with Black Pepper White Gravy and Old Fashioned Butternut Cake.
Two teams face off in one of our most memorable food fights yet!
Paula's celebrating a fun and time honored tradition, the Pot Luck! Her son Jamie joins her in the kitchen as they show you some of their favorite recipes to bring to a party. So get ready, we're perfecting the Pot Luck!
More Jamie Deen On TV Videos
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Download the TV Guide app for iPhone, iPad and Android!


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Technology can increase access to education, community and employment for people with disabilities. The UW Center for Technology and Disability Studies is an interdisciplinary program focusing on research, education, advocacy and informatics related to assistive technology and accessible information systems.
|Johnson, Kurt
|Administering College/School:
|School of Medicine
|P.I. Home Department:
|Department of Rehabilitation Medicine


text:
- Like
- Thanks for voting!
- Download
- Collection
someone April 27, 2011
the guy is so good like eating an icecream with a sledgehammer
messi April 18, 2011
:o gooooood !
blargh May 23, 2011
sm July 17, 2011
C August 20, 2011
wtf is up with that guy eating her shoe? lol
haye June 29, 2013
Mark April 17, 2013
Would like her to fart when I am licking deep her sweaty and juicy asshole
MrHeyho January 23, 2012
omg the lady are very sexy
lattebiano November 27, 2011
yes....i love your legs
god May 23, 2012
yep she is a GODDESS
arrrrggghhh November 13, 2012
i would love to lick that dark lil asshole of hers and lick them feet
Mark January 9, 2013
Lucky guy. He knows which are the best scents
HC October 19, 2011
That's her husband and business partner with her. They were featured on the Canadian tv series WEBDREAMS a few years ago on Showcase. They were one of the featured talent on the adult documentary show which ran for about 2 months once weekly.
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Parks Home
Planning & Development
Parks & Trails
Things to Do
Explore the Area
Parks Commission
Senior Centers
Resource Center
Contact Us
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Rules and Regulations
Michael McFarlane
Whatcom County Parks & Recreation Headquarters
3373 Mount Baker Highway
Bellingham, Washington 98226
Telephone: (360) 733-2900
E-mail: firstname.lastname@example.com
This two story former bunkhouse and office of the Alaska Packers Association Cannery has been restored for public rental. Reserve this unique venue for your group meetings, events and receptions, and inspire your guests with its spectacular setting. The Cannery Lodge features:
Scenic views of Semiahmoo Bay, Drayton Harbor and Mt. Baker
Large deck connecting to boardwalks to the beach
Building Capacity of 60 persons
Tables and chairs, seating for 60
15 foot long food service counter
Refrigerator / Freezer
Microwave oven
Stove / Oven
(for re-heating only)
Payment, Cancellations, and General Rules for Rental Facilities
Park Map
From I-5 take the Birch Bay - Lynden Road exit (270). Go west on Birch Bay - Lynden Road 4 miles. Turn right on Harbor View Road. Turn left on Lincoln Road. Drive 3.8 miles to Semiahmoo Park.
Map to the Park
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Hardware news tagged Maxwell
Monday, March 24, 2014
Microsoft Unleashes DirectX 12: One API for PCs, Mobile Gadgets and Xbox One.
Microsoft Promises Increased Performance, New Features with DirectX 12
Wednesday, February 19, 2014
Nvidia Reveals First Graphics Cards Based on Maxwell Architecture.
Nvidia Introduces GeForce GTX 750-Series Graphics Cards, GM107 GPU
Nvidia's Licensing Business Cannot Take Off
Monday, December 23, 2013
Nvidia to Start Rolling-Out GeForce 8-Series Graphics Processors in February.
Nvidia's Next-Generation Maxwell Architecture May Be Just Around the Corner
Thursday, November 14, 2013
Nvidia's Cuda 6 Brings Support for Unified Memory, Multi-GPU Scaling, Drop-In Libraries.
Nvidia Simplifies Parallel Programming With Cuda 6 Platform
Friday, September 20, 2013
Nvidia Is Preparing the "Most Amazing Thing" Ever Made – Mark Rein .
Nvidia Plans to Reveal a Mysterious Product in Coming Weeks
Tuesday, June 18, 2013
Nvidia Set to Radically Change Business Model, License Graphics Cores to Others.
Nvidia Takes ARM, Imagination Technologies Route, Intends to License Kepler Graphics Tech
Thursday, May 9, 2013
Nvidia: Discrete GPU Market Set to Prosper for Years to Come.
Nvidia Predicts Bright Future for Standalone GPUs Despite All Challenges
Sunday, April 14, 2013
Nvidia: Kepler and Maxwell Graphics Architectures Will Change the Game on the Mobile Market.
Nvidia Expects GPGPU Capabilities to Substantially Alter Landscape of Mobile SoC Market
Friday, April 12, 2013
Nvidia: Next-Generation Maxwell Architecture Will Break New Grounds.
Nvidia Proclaims Three Pillars of Maxwell Architecture
Wednesday, March 20, 2013
Nvidia Reveals Kayla Platform for Developers of GPU-Accelerated ARM Applications.
Nvidia Announces Second-Generation CUDA on ARM Platform
Tuesday, March 19, 2013
Nvidia Updates Tegra Roadmap: Parker Mobile Graphics Chip Introduced.
Nvidia Unveils Parker Graphics Chip with Denver CPU and Maxwell GPU
Nvidia Unveils Volta Graphics Architecture Due in 2016 – 2017


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Hafele Single Bottom Mount Soft Close Waste Bin - 20 Quart (5 Gallon)
$119.03 - $124.79
No Sales Tax, Except CT
Product Reviews
This Single Bottom Mount Soft Close Waste Bin by Hafele feature heavy-duty slides that ensure this 20 quart bin will stand strong through years of use. Its soft-close technology makes opening and closing the bin a quiet task. The bin is bottom-mounted and includes color coordinated aluminum side rails that provide stability while concealing mounting hardware. Easily installed with only four screws, this bin is easy to clean and provides easy access for your waste disposal. Lids and replacement bins are available.
(W = side to side) (D = front to back) (H = top to bottom)
14-3/4" W x 20-1/8" D x 17-5/16" H
Depth at Top of Bin: 9-1/2"
Ship Method:
503.11.567, 503.11.767


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Paris, a spectacular city
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Book your flight to Paris online! The city of romance is one of Europe´s leading tourist destinations. It is time to enjoy a romantic getaway for two!
Start your visit with a romantic evening boat trip on the Seine. Essential sights include the Louvre, the Eiffel Tower and the Cathedral of Notre Dame.
Would you like to go shopping or see an exhibition at the Grand Palais? In Paris there is something for every taste.


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FCPA Compliance and Ethics Report-Episode 115-Tom Fox and Matt Kelly on COSO, Bruker Corp, Dallas Airmotive and Alstom
The FCPA Compliance and Ethics Report-Episode 114-Doing Compliance, The Book
Investment Management Update- 2014 Election Impact
FCPA Compliance and Ethics Report-Episode 111-Virna Di Palma on the TRACE Matrix
Evolving State Supervision: Issues Arising from State Qualification Standards and 'SAFE' Act Licensing, and Coordination with the CFPB
FCPA Compliance and Ethics Report-Episode 110-interview with Jonathan Armstrong
FCPA Compliance and Ethics Report-Episode 108-Supply Chain Under the FCPA
FCPA Compliance and Ethics Report-Episode 105-interview with Barry Vitou
FCPA Compliance and Ethics Report-Episode 104-interview with Russ Berland
Appel: Corporate Inversions Could Mean Big Tax Bills For Shareholders
FCPA Compliance and Ethics Report-Episode 102-interview with Bruce Carton
FCPA Compliance and Ethics Report-Episode 101-interview with Chris Bauer
FCPA Compliance and Ethics Report-Episode 100-interview with Jeff Kaplan
FCPA Compliance and Ethics Report-Episode 99-review of remarks by Assistant AG Caldwell at ECOA
Hedge Funds Word of the Day™ – Accelerated Share Repurchase
In The Cross-Hairs? Protecting Your Company Against Consumer Financial Protection Bureau Investigations and Investors' Mortgage Buyback Claims
Private Equity Fees and Expenses
Five Year Plan: DTCC's Marisol Collazo Offers a Progress Report on Global Data Repository Issues
FCPA Compliance and Ethics Report-Episode 97-Interview with Roy Snell, CEO of SCCE
FCPA Compliance and Ethics Report-Episode 96-interview with Karen Schuder on the teaching of business ethics
Joint And POD Accounts: Weapon of Choice Of Transferees When Exerting Undue Influence?
by James F. McDonough, Jr. on October 1, 2013
Will contests alleging undue influence are not uncommon. A will was, for many years,...more
The Ninth Circuit Court of Appeals recently ruled that employers may discharge multiemployer trust withdrawal liability in bankruptcy. Employers required to contribute to multi-employer pension trusts face growing withdrawal...more
Transfers to charitable lead trusts during lifetime can provide tax benefits to the donor, and can avoid inclusion of the transferred property in the gross estate of the donor for federal estate tax purposes at death....more
NY Attorney General Wants to "Fire" Donald Trump from Education Industry
by Dan Brecher on September 3, 2013
While Donald Trump is well known for his antics on the air and in the boardroom, he may soon be spending some...more
Court Rules NJ Charities Must Follow Donor's Wishes or Return Money
by Christine M. Vanek on August 21, 2013
The Appellate Division of the New Jersey Superior Court recently clarified what happens
when a charity...more
Estate of Turco: Is There Clawback For Insufficient Estate Tax Funds?
by James F. McDonough, Jr. on August 15, 2013
The lack of liquidity is a serious problem in the administration of an Estate, especially for a...more
Since 1986, Section 469 of the Internal Revenue Code has imposed limitations on the ability of most taxpayers to offset losses from activities in which they do not materially participate against wages and other non-passive...more
Six U.S. States Involved in Norwegian Tax Evasion Case
by Frank L. Brunetti on August 12, 2013
In another example of international cooperation to quell Norwegian tax evasion, a quiet investigation is expected to reveal...more
U.S., State Governments Rely on New Software to Combat Tax Fraud
by Joseph M. Donegan on August 7, 2013
As the Internal Revenue Service attempts to close the multibillion-dollar tax gap, a large portion of its resources...more
At a public meeting on July 12, 2013, the Commodity Futures Trading Commission (CFTC or Commission) adopted final guidance on how Dodd-Frank Act requirements will apply to cross-border swap activities (Guidance). In...more
I was in court last week and the judge appointed a corporation as the receiver in a case....more
The Act of July 9, 2013, No. 52 (H.B. 465) and Senate Bill 591 will make substantial changes to Pennsylvania taxes if finally enacted. The bills were part of the budget process. S.B. 591 has passed the House and Senate and...more
Despite the lack of fireworks and fanfare, July 1, 2013, ushered in new changes to the Uniform Commercial Code that are important to bankers, lenders and legal practitioners. The revisions to UCC Article 9 ("Article 9")...more
Section 25019 of the Corporations Code defines "security" broadly by listing a broad range of items that is substantially, but not exactly, the same found in Section 2(a)(1) of the Securities Act of 1933. See "Security"...more
Sedgwick's Offshore Professional Risks practice offers a unique and global perspective on professional risk. As the only law firm in the world with offices in the key insurance jurisdictions of Bermuda, London and the U.S.,...more
A couple of weeks ago, the Minnesota Legislature passed new tax legislation that, among other things, added a brand new Minnesota gift tax and expanded the applicability of the Minnesota estate tax. A summary of the entire...more
As an ERISA attorney with a national practice of plan sponsor and retirement plan provider clients around the country (cheap plug here), I hear many excuses as to why plan sponsors don't want to take a look at their...more
Louis Steinmetz signed a personal guaranty of a $350,000 loan made to an LLC. The LLC defaulted on the loan....more
Since 2007, it has been possible in BVI to establish a Private Trust Company ("PTC") which may act as trustee of trusts without the need to obtain a BVI trust licence as long as certain conditions are...more
The Virgin Islands Special Trusts Act ("VISTA") came into force on 1 March 2004 and was introduced in order to allow a shareholder to establish a BVI trust over a BVI company which disengages the trustee from...more
The new Internal Revenue Code ("IRC") Section 1411, which imposes a 3.8 percent tax on net investment income ("NII") was passed as part of the Affordable Care Act of 2010 ("ACA") and is effective for tax years beginning on or...more
When private equity or venture capital fund principals and managing partners look to roll out a new fund, in addition to reconciling general fund formation issues, they should consider the personal-planning opportunities...more
The institution of the trust, a creature of the English Court of Equity, evolved deep in the bosom of the Anglo-American legal tradition. France, a civil jurisdiction, lacks a legal institution that is truly comparable. Her...more
That's not a simple question to answer, as you balance the benefits of a lower cost of living with the realities of a soft real estate market and the emotional aspects of selling the family home
As noted in an earlier Client bulletin, the Division of Swap Dealer and Intermediary Oversight ("Division") of the Commodity Futures Trading Commission ("CFTC") issued a no-action letter dated November 29, 2012 enabling...more
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Unthinkable Thoughts : How feminism deforms intellectual culture
Posted By Jennie Chancey on March 24, 2012
Over the past few weeks, this column has on more than one occasion expressed agreement with Rick Santorum's view that advances in birth control have had deleterious social consequences, most notably in contributing to the breakdown of the family. To our surprise, a not-insignificant number of our readers have pushed back against this idea, which some find counterintuitive and others downright unthinkable. So we'd like to go through the argument step by step.
The Food and Drug Administration approved the pill for contraceptive use in 1960. Over the next half-century, the marriage rate declined and the illegitimacy rate skyrocketed, Charles Murray notes in a recent Wall Street Journal essay adapted from his new book….
The same trends have been noted among blacks, although they started earlier and are more severe. Of course it would be a fallacy (post hoc ergo propter hoc, for those keeping score at home) to declare Santorum's argument proven on the basis of these facts. But they do demonstrate that the argument is not inconsistent with the facts.
The usual criticism we've heard is that it is absurd to suggest a causal link between birth-control advances and illegitimacy because, after all, birth control prevents pregnancy, and giving birth out of wedlock entails pregnancy. By that logic, though, illegitimacy rates should have remained low, or even declined further, after the inception of the pill. The Santorum argument may be counterintuitive, but the counterargument flies in the face of the facts.
Read the full piece at THIS LINK. (Please note that this is not an endorsement of Santorum, but he is pointing out facts that feminists routinely refuse to face.)
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Good morning, 12s.
Here's a look at what's "out there" for today - Tuesday, April 8 - about your Seattle Seahawks:
NFL.com Around the League writer Gregg Rosenthal ranks NFC West clubs on how much they have improved this offseason. Rosenthal likes the moves made by the Arizona Cardinals the most, followed by the St. Louis Rams, San Francisco 49ers, and Seahawks. Despite Seattle's last place rank, Rosenthal says it's not all bad for the Super Bowl XLVIII champions, "The Seahawks are ranked fourth in terms of 'improving' this offseason because a lot of talent left the building. Their biggest acquisition from outside the team was ...
In a related piece for NFL.com, Rosenthal picks the most-improved position group in the NFC West, pointing to the immediate boost to the Arizona Cardinals' offensive line provided by the acquisition of left tackle Jared Veldheer.
Marcus Grant of NFL.com has a fantasy spin the League's "Roster Reset" series, examining the value and impact of several offseason acquisitions around the NFC West.
Todd Dybas of the Tacoma News Tribune takes a look at key offseason dates for the Seahawks and outlines the team's comings and goings in free agency.
Terry Blount of ESPN.com continues his ranks of the Seahawks' Top 12 players heading into the 2014 season by naming wide receiver/kick returner
Danny O'Neil of 710Sports.com has more on the unique relationship between head coach Pete Carroll and general manager John Schneider after a new three-year deal was announced for Carroll last week.
The 2014 NFL Draft is one month away, and with NFL free agency more than four weeks old ProFootballTalk.com has their next mock draft available for your viewing pleasure. For the Seahawks, PFT suggests Missouri defensive end Kony Ealy, stating, "With Chris Clemons and Red Bryant gone and Jared Allen picking the Bears, the Seahawks need to feed the unit that was critical to the team's success in 2013."
NFL.com has a look at which teams have improved the most since last season, where the Washington Redskins, Oakland Raiders, and Tampa Bay Buccaneers are popular picks.
And here at Seahawks.com, Digital Media Writer Clare Farnsworth asks you to pick which play you believe to be the most-significant play in franchise history.Did I miss anything you think is worthy of inclusion? Let me know on Twitter @TonyDrovetto


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Welcome to ChiroFitness Xtreme
We believe that ideal health is reached by providing your body with necessary nutrition , keeping your spine properly aligned , and having a regular fitness routine. We strive to provide you with the tools you need to enable your body to reward you wth good health and longevity.
It is our mission to make health and fitness a fun and rewarding experience, so that your new lifestyle allows you to travel a little further, play a little harder, live a little longer, dream a little bigger ...
"Dr. Chris" Molck, D.C. and Shawna Nylin, C.T., C.N.T., invite you to visit their facility and experience all it has to offer.
Stop in and inquire about our innovative approach to making health and fitness a fun and rewarding experience for a lifetime.


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Friday, July 5, 2013
100s of Gorgeous Rosewood candle Giveaway
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Location: 200 E. Berry St., Suite 360, Fort Wayne, IN 46802 Hours: 8 a.m. - 4:30 p.m., Monday - Friday
Meet the Staff: Kristi Gephart, Asst. Director; Shannon Ramos, Clerk; Jennifer Walker, Clerk; Haley Brooks, Clerk
General Information
The Vital Records division is responsible for collecting, preserving and certifying records of vital events in Allen County. Records available from the Health Department include records of birth and death as well as affiidavits of paternity. These records are collected from hospitals, funeral directors and the courts. Each record received is inspected for completeness, accuracy and legibility, arranged in date order, assigned a local number and processed.
Certified copies of birth and death certificates for events occuring in Fort Wayne and Allen County may be obtained through our walk-in service, mail-in service, or using an online service: VitalChek.
Effective April 1, 2013: the cost of certificates using our walk-in or mail-in service is $11 for a birth certificate and $13 for a death certificate. We accept cash, money order, debit or credit cards (there is a minimum processing fee of $1.50 per credit card transaction). We do not accept personal checks. We are not responsible for cash sent through the mail as payment. For requests received through the mail, please allow 7 to 10 days for processing after we receive your request.
For the cost and processing time of certificates using the online service VitalChek, please visit their Web site. We can only accept credit cards if you use the online service.
If you have any questions, please call (260) 449-7147.
More Articles: FAQ Types of Records Walk-In Service Mail-In Service Online Service Genealogy Service Vital Statistics Resources
106 Paternity Affidavit appointments were completed in our office in 2011.
- Allen County Government
- City of Fort Wayne
- City of New Haven
- Indiana State Department of Health
- Indiana Department of Homeland Security
- Indiana Bureau of Motor Vehicles
- Indiana Vital Records Association
- CDC Data and Statistics
- National Association for Public Health Statistics and Information Systems
- National Center for Health Statistics
- U.S. Department of Homeland Security
- U.S. Social Security Administration
- VitalChek


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James Brandenburg, farmer; P. O. Diona; was born in Hardin Co., Ky., April 20, 1820; when he was about 3 years of age, his parents moved to Clay Co., Ind., and from there, in the year 1829, came to this county. Mr. Brandenburg lived at home, working in the neighborhood, until he was 18 years of age, when he went to Wisconsin and was engaged in teaming for two years; in 1844, he settled southeast of Salisbury, in this township, and lived there for twelve or thirteen years, when he purchased a farm on Sec. 32, and after being there thirteen years, moved to his present farm on Sec. 7, where he has resided ever since. Mr. Brandenburg is the eldest son of Solomon Brandenburg. He married Jan. 29, 1843, Miss Neety Cooper, daughter of Jeremiah Cooper, a native of North Carolina, who settled in Coles Co. in the year 1839; they had seven children; four living – William, born Jan. 22, 1847, who married Miss Angeline Buley in 1865; Lucinda (now Mrs. Isaiah Murphy), born June 19, 1849; Henry L., born Nov. 13, 1854, who married Miss Amanda Gilbert July, 1877; Neety (now Mrs. Wm. H. Goodman), born Sept. 26, 1857; three deceased-Milton, born Dec. 2, 1844, died Jan. 8, 1848; Nancy, born Oct. 10, 1851, died April 2, 1852, and Amanda, born Feb. 9, 1853, died March 2, 1853.
Biographical Sketch of James Brandenburg
MLA Source Citation:Chapman Brothers Portrait and biographical album of Coles County, Illinois Chicago: Chapman Brothers, 1887. AccessGenealogy.com. Web. 18 December 2014. http://www.accessgenealogy.com/illinois/biographical-sketch-of-james-brandenburg.htm - Last updated on Oct 23rd, 2011
Categories: Illinois, Indiana, Kentucky, Wisconsin
Topics: Biography
Locations: Clay County IN, Coles County IL, Hardin County KY, Hutton Illinois
Surnames: Brandenburg
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Winnipeg Free Press - PRINT EDITION
My arm tattoo has me thinking
About the courage of those battling cancer
I have a swell new tattoo on my right arm.
Prepare to be extremely jealous, because it artfully depicts a pink ribbon being pierced by a long-stemmed red rose.
It was airbrushed on by one of the charming artists from SkinGraphix Tattoos who volunteered their time Monday at the Manitoba Liquor & Lotteries Pink Ribbon Ladies Golf Classic for Hope, the largest women-only golf tournament in the province.
"Do you want sparkles on your tattoo?" the artist asked politely after she'd finished airbrushing my hairy, sweaty limb.
"Did everyone else get sparkles?" I demanded, because, as a newspaper columnist, I am paid to ask the tough questions.
"Yes," she said, smiling. "Everyone got sparkles."
"Then I want them, too," I said, trying to sound as manly as possible under the circumstances.
I am pretty sure all the women golfers, of which there were 160, and all their male caddies, of which there were 40, took a few minutes before teeing off to get a temporary pink ribbon sprayed somewhere on their exposed skin.
Most of the guys caddying at the tournament -- which has raised more than $528,000 for CancerCare Manitoba's Breast Cancer Centre for Hope in the last 17 years -- were sporting electric-pink golf shirts.
But the only ones sporting pink hair -- at least initially -- were myself and my buddy Bob, who is also the publisher of this newspaper. This was thanks to a spray-can of pink hair colouring my wife bought a few years ago.
As the day wore on, however, a gaggle of female golfers and tournament volunteers literally begged me -- that's my story and I'm sticking to it -- to spray their locks a fluorescent shade of "Lynx Pink."
The pink hair colouring, thankfully, faded pretty quickly due to excessive exposure to sweat.
The pink-ribbon tattoos, however, are supposed to linger for at least a week.
Which is nice, because I like looking at it and remembering. I remember talking with my dad, who we lost to two types of cancer a few years ago.
I remember the smiling face of my buddy Jon, who was also the beloved photo editor at this newspaper and refused to give an inch to the lung cancer that eventually claimed his life, telling everyone within earshot: "There are only good days and great days!"
And I think about the women I know today, longtime friends, courageous women who are living each day with breast cancer and doing it with amazing grace and courage.
Pink Ribbon organizer Penny Berntt proudly told me that every cent from the tournament goes to CancerCare Manitoba's Breast Cancer Centre for Hope.
She also told me something she believes may surprise you.
"Breast cancer does affect men, too," Penny said. "Men can get breast cancer. It's kind of a little-known fact."
As I punch these words into my computer, I'm feeling a trifle sore. This is only partly because I spent six hours Monday retrieving lost balls from the woods, fetching cold beverages and running in and out of squishy sand traps on behalf of my foursome, the Twisted Sisters.
My muscles are giving me grief mainly because of another cancer fundraiser, the annual Safeway Father's Day Walk/Run in support of Prostate Cancer Canada, which was held in Assiniboine Park over the weekend.
Before the five-kilometre walk began, I was compelled to join perky instructor Debbie Lewis on the Lyric Theatre stage to help lead the crowd in 10 minutes of something called Zumba, which is a torturous form of dance exercise that should be illegal at public gatherings of sane people.
It was painful, but it was worth it to hear Len Bueckert speak. Len is a 66-year-old retired federal auditor who has beaten colon and kidney cancer and is now dealing with prostate cancer.
Getting straight to the point, Len told all the guys it's time to get off their butts and get their (bad word) prostates checked. Sharing that blunt message is what Len does with his time these days.
He was badly shaken when he received his third cancer diagnosis. "I wanted to find out more about prostate cancer and I wanted to give something back," he explained.
"I don't have a whole lot of money, but I can give my time."
The point is, there's lots to think about. I know my pink, sparkly tattoo will fade and disappear. I hope the memories never do.
Republished from the Winnipeg Free Press print edition June 19, 2013 A2
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UW-Eau Claire
News Bureau
Schofield Hall 218
Eau Claire, WI 54702-4004
Students and Faculty to Attend National Research Conference
(715) 836-4741
(715) 836-2900
MAILED: March 18, 1998
EAU CLAIRE -- Eleven University of Wisconsin-Eau Claire students and two faculty members will attend the 12th annual National Conference on Undergraduate Research at Salisbury State University, Md., April 23-25.
Usually there are two or three UW-Eau Claire students who attend the conference, said Chris Lind, assistant dean for research. But this year eleven students applied and eleven students were accepted to present their projects, Lind said. They will join more than 2,000 undergraduates from across the nation participating in the conference.
Most of the conference consists of presentations made by students. The conference gives students an opportunity to learn from other students, he said.
Much of the money for research projects came from differential tuition, he said. There are a variety of research projects that the students have worked on through the student/faculty collaborative research program.
Jasmine Lok, a senior history major from Maple Grove, Minn., and Heather Mills, a senior elementary education major from Bloomer, examined "The Hmong in Transition: An Exploration of Life from Laos to America." The students researched how Hmong folk stories have changed in America. Monica Chiu, assistant professor of English, was the faculty collaborator on the project and will attend the conference in April.
Senior Matt Vogel, physics major from Beldenville, researched " Low Temperature Sputtering Yield of AG-Cu alloys for 200eV Ar+." Vogel's research results have broad ramifications in the technological application and fundamental understanding of sputtering of multi element-multi phase materials. This thin film integrated circuit metallization research has application in the semiconductor industry. Kim Pierson, assistant professor of physics and astronomy, worked with Vogel on this project, and also will attend the conference.
Senior Molly Dahl, a psychology major from Chilton, and senior Shelby Haschker, a psychology major from Whitefish Bay, will present a project titled "To See our Poster as Others See It." They studied poster content and design to help researchers construct more effective posters. Blaine Peden, professor of psychology collaborated with this project.
Senior Bethany Perry, a music therapy major from Baldwin, and Wendy Wolslegel, a senior music therapy major from Washburn, will present research titled "Assessment of Effectiveness of Soundbeam to Ellicit Movement and Social Interaction." They analyzed individual patients with limited movement and their reaction to music therapy utilizing Soundbeam intervention. Lee Anna Rasar, associate professor of Allied Health, worked with the students.
Senior Karena Andraska, a senior economics major from Wisconsin Rapids, will present a project titled "The effect of Wages and Industry Mix on Per Capita Income." She examined the trend toward per capita income equality in the 1970s and the inequality in the 1980s. She worked with Jan Hansen, economics professor.
Senior William Ruffing, a computer science major from New Holstein, and junior Jason Godfrey, a computer science major from Brooklyn Park, Minn., researched "Web-based Interface for a Smoothed Particle Hydrodynamics Simulation." They created an intuitive GUI for current and future asteroid impact researchers and provided the application on the web. Paul Thomas, associate professor of physics and astronomy, collaborated with the project.
Junior Anna Kindt, a physics major from Eleva, researched the "Impact Simulations of Layered Asteroids using SPH." She used a Smooth Particle Hydrodynamics code to analyze three-dimensional models of high-speed collisions between asteroids. Thomas also worked with Kindt on the project.
"We are pleased we have humanities, professional studies, sciences and social sciences represented," Lind said. "The UW-Eau Claire image is enhanced on a national level by our students participating."
[Administrative Offices]
[News Bureau]
Janice B. Wisner
UW-Eau Claire News Bureau
Schofield 218
(715) 836-4741
Updated: March 18, 1998