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33 of 37 people found the following review helpful
Pretty Purple Glittery :),
This review is from: LeapFrog LeapPad1 Gel Skin, Purple (Works only with LeapPad1) (Toy)
I was able to snag one from leapfrog.com when they first released the purple glitter one for my daughters new leappad....I should add I also got it for the retail price of ten dollars. Honestly, I would not pay a dime over that. It looks like it will protect if dropped, we haven't found out yet since she isn't getting it until Christmas ;)
I can say, a good thing about the gel skin is if you get a leappad in a color you didn't want, getting the skin will basically change the color, as it completely covers up the entire color on the toy already. And it is NOT pink (the girls one) it is 100% purple w/glitter. It fits in the leappad case and zips just fine with the skin on it incase you are wondering. Don't give into these hijacked prices, wait until January when more are released for retail and save yourself the money.
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Showing 1-10 of 12 posts in this discussion
Initial post: Dec 6, 2011 9:21:58 PM PST
S. Escalera says:
I totally agree with you regarding these hijacked prices. I wasn't able to get on while they where instock on Leapfrog.com, but that's ok. I can wait til January because I also refuse to pay $40 on Amazon not to mention $99-154 that I saw on Ebay...rediculous!!!!!!!!!!. I will wait 'til they are back in stock and pay my $10.00 retail price.
In reply to an earlier post on Dec 7, 2011 4:29:25 AM PST
Wise decision! I saw a green one go on ebay 2 days ago for $150...come on! I cannot believe someone was willing to pay that for a $10 accessory. I believe Leapfrog said (on their FB wall) they will someday be available in retail stores as well so you won't have to pay the $6 shipping cost.
Posted on Dec 8, 2011 8:01:30 AM PST
Thank you so much for your review! I found the green leappad but I know my daughter will want the pink one. I saw this and thought it would do just as you say - change the color. After I saw this on leap frog I tried to find it and saw the outrageous prices on ebay. So, I decided to either wait until leapfrog gets them back or try to find the pink leappad. But, I see no reason to kill myself trying to find it after your review. Again, thanks so much!
In reply to an earlier post on Dec 8, 2011 9:20:42 AM PST
Happy to help ;) Leapfrog states they will be back in stock on their website leapfrog.com in January..you can go to their site now and click on the gel skin...and it has a "notify me when back in stock" button, do that and enter your email and that ishow I ended up getting mine the last shipment they got. It cost $6 to ship, so you are better off ordering a few things, unless you do'nt mind paying that.
Posted on Dec 12, 2011 6:57:00 AM PST
Hi Kim,
I had another question - would you be able to see the green through the purple cover? It looks a little transparent.
Thanks so much for all of your help!
In reply to an earlier post on Dec 12, 2011 7:35:16 AM PST
I can't say for 100% b/c I put mine on a leappad that is already purple..but it is thicker than i expected and dark purple and glittery...I would guess it won't 100% cover it up, but it will prob make it look different...if that makes any sense! I wish I could be more help...I still think its a great option for those who wanted 1 color and could only find the other.
Posted on Dec 12, 2011 9:25:30 AM PST
Thanks for your response! I know it is silly (at least others say it is) but I am bothered when my daughter asks Santa for the pink one and she will get the green one. I know I should be happy I just got one but I know she will be disappointed. I think the cover will help though. I just wish it would be available before January. Thanks again and Merry Christmas to you!
In reply to an earlier post on Dec 12, 2011 10:30:46 AM PST
I know how you feel, but I think she will be so happy to play with it, with all the cool stuff she will be able to do she will forget abou tthe color and then when you are able to buy the skin she will prob love it! Merry Christmas!
In reply to an earlier post on Dec 14, 2011 4:58:26 AM PST
WALMART.COM right now!!!! Avail. for $9.99 and $.97 shipping to home! That is less than I paid diretly from leapfrog ;) hurry, i don't think they will last long! I don't see any green avail, just the purple!
In reply to an earlier post on Jan 13, 2012 3:58:47 PM PST
O. Robinson says:
We just purchased the purple gel cover for ten bucks at a local store and put it on a green leappad and no the color does not show through. The only place you can see the green is around the openings like for the USB cord, headphones, etc. We love it! It is super cute and we can pass the leappad down to our son since the leappad itself is green.
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Location: USA
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The Wall of Distinction is where outstanding journalists in Central New York are permanently enshrined.The Syracuse Press Club's Wall of Distinction is located in the theater lobby of the John H. Mulroy Civic Center in downtown Syracuse.
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Below are copies of the engraving on the plaques for each inductee. Click on onefor that honoree's bio. Note we are still in the process of getting this feature up and running on the new web site.
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"Be still and know that I am God."
Lord, Your words lead us to the
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"Be still and know that I am God."
Lord, Your words lead us to the
calmness and greatness of Your Presence.
It is so easy to get caught up
with the trappings of wealth in this life.
Grant, O Lord, that I may be free
from greed and selfishness.
Remind me that the best things in life are free.
Love, laughter, caring and sharing.
In God's loving presence I unwind the past day,
starting from now and looking back, moment by moment.
I gather in all the goodness and light, in gratitude.
I attend to the shadows and what they say to me,
seeking healing, courage, forgiveness.
Jesus left that place and went away to the district of Tyre and Sidon. Just then a Canaanite woman from that region came out and started shouting, "Have mercy on me, Lord, Son of David; my daughter is tormented by a demon." But he did not answer her at all. And his disciples came and urged him, saying, "Send her away, for she keeps shouting after us." He answered, "I was sent only to the lost sheep of the house of Israel." But she came and knelt before him, saying, "Lord, help me." He answered, "It is not fair to take the children's food and throw it to the dogs." She said, "Yes, Lord, yet even the dogs eat the crumbs that fall from their masters' table." Then Jesus answered her, "Woman, great is your faith! Let it be done for you as you wish." And her daughter was healed instantly.
Jesus you speak to me through the words of the gospels. May I respond to your call today. Teach me to recognise your hand at work in my daily living.
Glory be to the Father, and to the Son, and to the Holy Spirit,
As it was in the beginning, is now and ever shall be, world without end.
If you appreciated the daily prayer or have any suggestions or insights we will be glad to hear from you.


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Winnipeg Free Press - PRINT EDITION
Payworks one of nation's top firms in tech sector
THE Winnipeg payroll and human resource management services company Payworks is the first local company in three years to crack the list of the 50 fastest-growing technology companies in the country.Payworks was formed in 2001 by Barb Gamey and a couple of business partners after Ceridian and ADP consolidated the payroll services business in Canada by buying up the banks' payroll business.
She said the initital intention was that Payworks would target the small-business sector, but her first customer was a company with 135 employees.
"That business plan went out the window and since then we have been growing our business across the country and in every sector," Gamey said.
Payworks ranked 32nd on the Deloitte Technology Fast 50 list, growing by 508 per cent over the last five years. There have only been five other Manitoba companies who made it onto the list in the last 10 years.
Gamey said the company does not divulge sales figures, but to be eligible for inclusion sales must have been at least $5 million in 2008.
The companies on the list must also have been in business for at least five years, be headquartered in Canada, own proprietary technology and invest at least five per cent of annual gross revenue in research and development.
Gamey learned the business as the sales and marketing vice-president for 15 years at Comcheq, the Winnipeg-based payroll company that was sold in the early 1990s to CIBC.
One of her partners is John Loewen, whose family owned Comcheq.
Payworks employs about 100 people with a national sales force of 23 people.
It started as an alternative to the large multinational service providers, but did not scrimp on innovation along the way.
While not necessarily a technology company, the payroll and human resource management business is increasingly technology driven.
As such, Payworks decided to use only proprietary technology rather than outsourcing solutions.
"This is a very conservative industry with information that is very personal and very confidential," she said.
"But companies are looking to get information in employees' hands more efficiently."
Payworks has developed a self-service platform where employees can access their payroll information online and is always looking to upgrade the service offering.
"We're working on a mobile application where companies will able to do their payroll business on their BlackBerry," Gamey said.
John Ruffolo, national leader of Deloitte's technology, media and telecommunications industry group, said, "Payworks is an example of the determination, drive and skill that will serve to position them for further growth and success as the economic recovery takes hold."
Republished from the Winnipeg Free Press print edition October 6, 2009 B3
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The median home value in Lebanon, IN is $113,000.
This is
lower than
the county median home value of $183,100.
The national median home value is $170,100.
The average price of homes sold in Lebanon, IN is $113,000.
Approximately 58.69% of Lebanon homes are owned,
compared to 34.23% rented, while
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Lebanon real estate listings include condos, townhomes, and single family homes for sale.
Commercial properties are also available.
If you see a property you're interested in, contact a Lebanon real estate agent to arrange a tour today!
Learn more about Lebanon Real Estate.
A narrow drive leads to dreams fullfilled in a peaceful and effortless escape to the country. 5.67 acre horse farm carved from the heart of the Hoosier Heartland. Covered front porch is fitting intro to this charming ranch.Remodeled KT convenient and efficient,hearth warmed GR,Gracious Dr.split flr plan provides secluded privacy for MSTRste.21x12 wood deck allows you to celebrate peace and serenity.75'x180'horse barn,17 stalls,tack,fenced paddock. new det Gar awaits your inspiration and passion.
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Well-maintained 3BR/2BA ranch home w/open layout, freshly painted, new carpet, lots of natural light. You'll love the nice, bright updated kitchen w/lots of cabinet space & island/breakfast bar. The home has a split BR floor plan w/master suite that has a large garden tub. You'll enjoy relaxing in the back yard fully-fenced for privacy with large patio for those summer bbq's. Located in a nice established neighborhood, convenient to parks, shopping & the interstate -- this home won't last long!
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Charming home in the heart of Lebanon. Enjoy quiet evening relaxing on the front porch swing. New stainless appliances All new paint and carpet. Huge over sized garage insulated for the man cave. Lot of storage in is home. Located on corner lot.
Real Living Homes & Beyond
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Making a name work: 14 celebrities with nicknames for 'James'
Associated Press
James Robert "Jim Bob" was the second youngest of the Walton children in the TV series, "The Waltons," which ran from 1972 to 1981. The show focused on a family growing up in the fictional town of Walton's Mountain, Va., during the Great Depression and World War II. Jim Bob was a fourth grader during his first appearance on the show, and over the course of nine seasons he grew up to become a mechanic and to open his own business.
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Salt Lake City, Utah
All Jimmer... All the time!!!
- 11:30 a.m. March 17, 2011
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Salt Lake City, UT
I mean no disrespect to those persons featured in this article.
But the article itself reminded me of a statement my father once made:
"Don't waste your time trying to milk a dry cow."
- 11:43 a.m. March 17, 2011
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Car production increases by 5.8%
Thursday 19 January 2012
The number of cars built in the UK increased by 5.8% to more than
1.3 million last year, with record exports driving the growth, new
figures showed today.
The Society of Motor Manufacturers and Traders (SMMT) said engine production also rose, by 4.9% to 2.5 million, despite a "modest" fall in December.
Chief executive Paul Everitt said: "UK vehicle and engine production continues to lead the manufacturing recovery, with increased output and exports taking a record-breaking share.
"In 2011, vehicle manufacturers renewed their commitment to the UK, securing new model programmes, facilities and jobs for the long term.
"It is essential that industry and Government continue to work in partnership to maximise the opportunities at all levels of the UK supply chain and encourage more investment in research and development, skills and new plant and machinery."
Business minister Mark Prisk said: "The global vehicle market grew by around 4% in 2011. At the same time, UK vehicle production grew by nearly 6% demonstrating how the UK has out-performed the market this year.
"Exports of UK-made cars and commercial vehicles have also risen from 75% to over 80% of total production to meet this growing demand.
"We have some of the best plants in the UK that are amongst the most productive in Europe. Multibillion-pound investment and the creation of new jobs in the automotive sector demonstrates that the UK can successfully compete for business across the world."
A total of 1,343,810 cars were built last year, with 1,124,676 for export, 83% of the total, and 219,134 for the home market.
Exports were up by 17% over the year, while production for UK sales fell by 29%, the SMMT reported.
Commercial vehicle output fell by 1.4% in 2011 to 121,312.
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- 5 Germanwings plane crash: Transcript reveals passengers 'screamed for over five minutes' before plane crashed into mountain
Germanwings crash: Captain of doomed plane was only 'on board because he changed job to spend more time with his children'
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Confidence boost
Last updated at 17:10, Tuesday, 13 November 2012
NATIONAL Youth Work Week, co-ordinated by the National Youth Agency, has been allowing youth organisations, youth workers and young people engaged in youth work the chance to celebrate their achievements and impact.
This year's theme has been 'connecting cultures', and it gave The Cumbria Youth Work Consortium the opportunity to shine. The partnership of 34 youth work providers, led by Inspira, delivers the youth work contracts in Cumbria. In Barrow and Furness the other partners are Cumbria Drug and Alcohol Service, Cumbria Personal Development Association, Furness Carers, Furness Multicultural Community Forum, Leonard Cheshire Disability, NACRO, Brathay and Cumbria Youth Alliance.
Youth work takes place after school, and at weekends, with 11 to 19-year-olds, and up to 25 for young people with learning difficulties and/or disabilities.
Youth work is needs led, with some of the work targeted to specific groups of young people, while other work is universal. It helps young people learn about themselves, others and society through activities that combine, challenge, learning and achievement.
It is a developmental process that starts in places and at times young people are ready to engage, learn and make use of it.
It offers young people safe spaces to explore their identity, experience decision making, increase their confidence, develop their interpersonal skills and think through the consequences of their actions. This leads to better informed choices, changes in activity and improved outcomes for young people.
As she walks through Walney School young people stop to say hello and chat to Karen Glover.
She is a youth worker with Inspira, a social enterprise company which aims to support and empower people and communities to achieve their goals.
Mrs Glover runs an after school drop-in session and activity group at the secondary school, as well as other youth clubs and events in Furness.
She leads the club at Walney School with Catrina Cairns, of Inspira, who also hosts a lunch time drop in session there.
The club helps the young people build their confidence. The group of 12 to 14-year-olds get involved in various ball games, which all have a numerical task linked to them in a fun way.
Role play is a popular activity among the group. They are given scenarios of issues which may arise in teenage life and then they act out their interpretations of the situations and the solutions. Mrs Glover explains this is a way of the teenagers discussing issues in a less formal manner and taking the lead.
The group also chat about their week, and events in and out of school.
Stella Benson, 14, of Year 10, who attends the club said: "I like coming here after school because it's fun and you make new friends. I like the acting and the games. I feel more confident. I would not normally talk to people I didn't know, and I've made new friends through this."
Later in the evening Mrs Glover attended the Nacro Youth Cafe, at Burlington House, in Barrow, to work with more teenagers and in partnership with multi-agencies.There she engages with more young people who are taking part in a pool competition and again using numeracy skills.They are also engaged by watching magician Adam Hudson who blends maths with his trickery.
Asked about youth work, Mrs Glover said: "We are helping to draw out skills and develop the abilities the young people already have, but in a fun way. We try to structure the sessions a little bit, but not too much.
"I've worked in Barrow for 10 years and I see people who are now in their early 20s that I worked with, and I see the progression they have made. With some of those young people they may have really struggled at the key points."
First published at 16:29, Tuesday, 13 November 2012
Published by http://www.nwemail.co.uk
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by Rio
by Rio
by L
Remember the Maryland free range kids?
Do Totebaggers allow their children to walk home from school or in the neighborhood alone? At what age? Is the age the school deems children responsible enough to walk home alone too young, too old, or just right? At what age should children be allowed to take public transportation alone?
by Grocery Bags
Whoopi Goldberg: I don't eat vegetables.
Joy Behar: You don't eat vegetables?!?!
Whoopi Goldberg: I drink V-8.
Joy Behar: But V-8 has so much sodium!
Whoopi Goldberg: I drink the low sodium kind.
Marshawn Lynch: I'm just here so I don't get fined.
Bill Clinton: I did not inhale.
Grocery Bags: I don't like onions. I don't like rosemary. I don't wear skirts. I don't do everything my yoga teacher tells me to do. I have a Twitter account, but I don't tweet.
Totebaggers, what are your "I don'ts…"?
by Tulip
Just throwing this one out there, but I never do anything to "celebrate" April Fool's Day. I suppose there's been some conversation at school because my DD came home a few days ago asking if I'd do something to fool her for the day. I think the fact that she asks for it and expects it sort of defeats the idea, but that's an entirely different issue! At any rate, I could google and search pinterest and be in way over my head, but I am guessing that other totebaggers have some low-investment ideas for April Fool's pranks to pull on the kids?
by Finn
We're now in the middle of everyone's least favorite time of year: tax time.
We've already touched on a number of tax topics this year, but perhaps it's time for a day of asking our questions, sharing our knowledge, and airing our complaints.
Totebaggers, what have you learned over the years that you can share with your fellow totebaggers that will help ease this time of year? What questions do you have that others here might be able to answer? If someone died and made you king, what changes would you make to our income tax system?
by Honolulu Mother
This was an interesting Atlantic article on the effect of parental assistance with science fair projects:
Totebaggers, what have your experiences with science fairs been? Do you think the current science fair model works well?
by L
Building Your Career: Based on Fear?
I found that I gained confidence and credibility in my job once I was no longer afraid of being fired. This fear had stayed with me for the first 10 years of my career (and I had been fired more than once!). I like to think that I can see the fear behind others' business developments efforts, perhaps in their going to as many events as possible, or over-billing for tiny tasks, or in the slightly desperate air that comes from using someone's name 30 times in a half-hour conversation.
Totebaggers, do you feel that your career-building efforts, whether marketing, networking, or doing your job tasks as well as possible (or for some of us, as well as possible based on unit of effort) are based on fear? Or is what you do to further yourself in your career based on personal pride, type-A outdoing yourself or others, or, as the book says, "love"?
by Louise
Totebaggers have often mentioned social skills, emotional intelligence, soft skills – call it what you like.
Emotional intelligence (EQ) is the ability to identify, use, understand, and manage emotions in positive ways to relieve stress, communicate effectively, empathize with others, overcome challenges, and defuse conflict.
The one aspect emotional intelligence covers is how to communicate effectively with others. This is an area that needs working on for many people.
What tips can you share with other posters on how to apply emotional intelligence in different situations?
There are a few of us who are academics, lots of lawyers, engineers and other professions – what social skills have your students, coworkers, managers, employees displayed that you have been impressed with ?
As a parent what advice would you give to your children about this topic? I've come to realize that this is covered at my kids' school in guidance class.
by Anonymous
Fellow Totebaggers: I am asking your advice anonymously, as my question involves my child. I suspect it will be easy to figure out who I am, but I'd appreciate it if you'd maintain the fiction for my kid's privacy. Thank you in advance.
Today, my kid (teen-aged) told me that s/he is bisexual, and I don't want to screw this up.
If you figure out who I am, you will know that I have no problem with this, either philosophically or religiously or politically or any other "-ly." I am just surprised and unprepared (and surprisingly unprepared), because I had not seen any signs; all prior teenage crushes had been opposite-gender, and while my kid could have been covering, they seemed convincing to me.
I am also not entirely sure this is, for lack of a better word, "permanent"; recently, 4-5 kids in class have come out as gay/bi, and this group of friends is very into gay rights; hard to tell if it is my kid finding an accepting peer group that allows him/her to be him/herself, or if it's my kid trying to fit in with a peer group/trying on different identities like every other adolescent. But I also know that one standard parental response is to find excuses why that can't be their kid. And whatever my kid might feel at 25, this is who s/he is right now — s/he has told me, directly, and it is my job to assume that s/he means it. It took a lot of guts for my kid to tell me this, and it was something s/he had obviously worked up to over some period of time. It would be unfair and disrespectful to assume I know better, to treat this as a phase or something that s/he will outgrow.
So where I am now, after a grand total of four hours of thinking it through, is that it's my job to support, not question. These are some new waters for both kid and parents (for one, the idea of sleepovers just got a lot more complicated), and I need to help my kid learn how to navigate them, on top of all of the other adolescent pressures and insecurities. This is the part that I don't want to screw up.
For the moment, I just said "you're always safe with us" and gave the kind of half-hug you can give while driving, then asked if there was a particular crush involved (there is, although like the earlier opposite-gender ones, this one also doesn't seem to know my kid exists). Now I just need help with the next conversation. And the one after that, and after that. . . .
by saacnmama
We talk about calculus enough in here, and have made a few jokes about its use beyond the classroom. At my undergrad university, either calculus or formal logic could be used to fulfill one of the liberal arts requirements. In other words, the value of calculus was seen not in being able to derive anything, but in following steps to make an analysis. How do you use your math background? Using simple algebra to calculate exposed area per volume of remaining cake could be one way to test out this method of cake cutting. Where else is math handy for you, and what level math do you use most often?
by WCE
I liked this article on luck better than the comments, because the article focuses on a range of views about luck (is luck stable or fleeting?) as well as casual references (medical school admission, hot hands in basketball) that describe the ambiguity with which people refer to luck. In my own life, I've felt comfortable taking more risks in the academic realm than in the obstetrics realm, based on my relative success over time in each of those areas. This article also made me think about how a single event (massive layoffs announced during my twin pregnancy vs. uneventful pregnancy with current baby) can shape my emotional outlook for a period of years.
A quote from the article:
For example, a gambler who had just won three times in a row, won 67 per cent of the time on his fourth bet. If he won on his fourth bet, then he cleaned up 72 per cent of the time on the fifth bet. Those who lost their first bets were just 47 per cent likely to win on the second and, if they lost again, only 45 per cent likely to win on the third. Could good luck beget good luck and bad luck really beget bad luck, just as the rich get richer and the poor get poorer?
The team then dug deeper to reveal why these streaks were in fact real: it was the bettors' own doing. As soon as they realised they were winning, they made safer bets, figuring their streaks could not last forever. In other words, they did not believe themselves to have hot hands that would stay hot. A different impulse drove gamblers who lost. Sure that lady luck was due for a visit, they fell for the gambler's fallacy and made riskier bets. As a result, the winners kept winning (even if the amounts they won were small) and the losers kept losing. Risky bets are less likely to pay off than safe ones. The gamblers changed their behaviours because of their feelings about streaks, which in turn perpetuated those streaks.
What do you think about luck? How do recent successes or failures influence your willingness to take risks in a particular realm?
by L
Here is a new one: more fodder for our frequent discussions of "You should go to the best grad school possible":
The Academy's Dirty Secret
An astonishingly small number of elite universities produce an overwhelming number of America's professors.
by saacnmama
What are your rules of parenting? Do you agree with Sontag's?
by L
by Grace aka costofcollege
Imagine that a friend is in your neighborhood and decides to stop by your house for a quick hello. Since it's a last-minute thing, they may or may not call or text you ahead of time. Is your home visitor-friendly, clean and clutter-free? What is your reaction?
A) My house is a mess and I'm in the middle of a million things that have to get done, so I'll tell them it's not a good time. Please just go away.
B) As I open the door I'm trying to manage a smile to hide my annoyance at an unexpected guest. I hope they don't stay long.
C) I have a ton of things to do, but they're not more important than a chance to catch up with a friend. Mi casa es tu casa, anytime. What a nice surprise.
Now that the visitor is at your house, what snack or drink will you offer? Do you have a stand-by stash of snacks to offer guests? Or do you figure offering refreshment will only encourage this kind of uncivilized social behavior? How often do you get unexpected visitors?
What about the kids?
When my kids were younger, neighborhood friends would sometimes drop by unannounced. But now there's usually texting before FTF visiting takes place. However, it's not unusual to have a group of teens converge on my house at the last minute, and it can be a challenge to feed them. Seltzer, popcorn, cookies, nacho fixings, and boxed mac-n-cheese are easy to keep in the pantry. Take-out pizza is almost always welcome. What do you feed young guests?
by SWVA Mom
This article touches on some typical Totebag topics: STEM vs. liberal arts, rural vs. urban, having a variety of choices to find the right college fit, and the soaring cost of higher education.
This story caught my eye because I worked on a design & construction project at Sweet Briar many years ago. The campus is so beautiful – I hope someone will find a new purpose for the property. Another small, historically women's college in Virginia was purchased by the Mormon Church several years ago and seems to be thriving, and a well-known Evangelical Christian university in Virginia has been growing both its online presence (recently hit 100,000 enrollment) and its campus ($400 million construction program), so maybe a church will step in and make a go of it.
by Louise
Totebaggers, it seems like The Great Recession happened eons ago. I still think about how bad things could have been for us as a family. We were lucky in that we had no job loss during that time.
Lots of changes took place in the financial services industry. Some Totebaggers have described changes to their jobs and lives because of the crisis.
How did the Great Recession impact you? Did it change your spending habits, your assumptions about the value of real estate? What about the role of government?
by Rocky Mountain Stepmom
Yeah, I know, it's not spelled that way. It's a Who reference, OK?
So my proposal is that we review our acquaintances and see the 20-somethings who are doing all right in life even though maybe they weren't taking Differential Equations when they were 9. I'll start.
First, there's my new DIL, who majored in non-profit management and is doing very well at a large national non-profit with local, autonomous branches. She just got a 30% raise, in fact. Though she did take Calculus, the reason for her success is her good work habits, attractive personality and appearance, and excellent social skills. And of course she's quite bright.
From church, there's a young couple with a 6-month-old and 2 1/2 year old. Young Mama has $140K in student loans, but she has an MSW and a license to practice therapy, and she makes around $40K per year. Her hubby majored in engineering for 2 years, hated it, quit, and became a CNC engineer. He makes $45K base salary and usually pulls in $60K because of overtime. They do all the right totebaggy things to get out from under their debt — no cable, no Internet, Grandma watches the kids for free, etc. They never eat out. They're burning down the debt and should be okay in a few years.
Also from church, we have (yes!) a nurse and a correctional officer. They have reasonable salaries and good bennies. They have one 2.5-year-old and hope to have more. They own a house waaaaay out towards Kansas, so they have long commutes in to Denver. They also have a Grandma watching the kids for free.
Come on, in addition to all the young people who know who are drowning, you must know some who are doing okay, even if they aren't Mark Zuckerberg. Let's hear about them.
by Honolulu Mother
This was an interesting read, despite the provocative title:
We've discussed maternity/paternity leave before, but this one focuses on the question of taking time off or going to lighter duties in late pregnancy.
by Grace aka costofcollege
Do you think your investment portfolio is diversified? Morgan Housel at the Motley Fool believes there's only one way to tell if you're truly diversified.
You are only diversified if some of your investments are performing worse than others.
Losing money on even a portion of your portfolio is hard for some people to swallow, so they gravitate toward what is performing well at the moment, often at their own expense.
In other words, some people gravitate toward selling low and buying high.
That was one of 16 Rules for Investors to Live By recently published by the WSJ.
Do you agree with these rules? Which ones seem particularly important to you? What rules would you add? Have you been happy with your investment portfolio?
ADDED: If you're having trouble seeing the WSJ article, try clicking this link to Google and then select the first result.
by saacnmama
Teacher sends father a stern note scolding him for his daughter's 'unhealthy' pack lunch of 'chocolate, marshmallows, a cracker and a pickle' – unfortunately for the school, dad's a doctor
We've had lots of sideline chatter about "requirements" to be helicopter parents recently. If we want to bring it front and center, this is as good a starting place as any.
by LauraFromBaltimore
Oh, the heresy! Discuss!!
by Louise
As my kids pass each stage, I have learnt a lot. For example, in the early years I would give more of the "make your kid smarter toys" as presents, now I gift the cheesy fun toys that the recipient will actually play with.
I remember to have a few snacks floating around, wet wipes for certain outings, when to sign up for certain activities, the list goes on. What have you learnt as a parent? If not a parent, then observations from your own childhood or as an aunt or uncle.
by Honolulu Mother
According to this article, the flexibility to work from home tends to come with more, not fewer, hours worked; and for workers in general, the office has encroached on the home. The article concludes:
It wasn't always this way. Once upon a time, the limitations of technology set a firmer boundary between work and home: If you weren't at the office, you often couldn't do your job. But that's no longer the case.
"Technology now sets no work boundaries," Williams says. "So we have to set these work boundaries through social norms."
The only problem, she says, is that we aren't doing that.
"I've been working on this problem for 25 years, and I actually have come to the conclusion that these organizations just aren't going to change."
What do you think? Are social norms a realistic way to get the office out of workers' personal lives?
by Grace aka costofcollege
Long term relationships and marriage are hard work. But take some cues from older couples who've shared the secrets to keeping the spark alive after decades together: It's all about the little surprises.
Dr. Karl Pillemer, a gerontologist at Cornell University, writes on Psychology Today that the elders she interviewed for her books said that the most effective things they've done for their relationships is build a habit of doing small, positive things for their partners. Specifically, these three types of gestures: surprises (spontaneous nights out or buying flowers for no specific holiday), chores (taking over an odious chore unexpectedly), and compliments (who doesn't like positive feedback?).
This makes a lot of sense to me. Often it's just the small things that make a big difference. Besides marriage, this principle can also apply to friendships, business colleagues, and many other types of relationships. For example, an unexpected written note can make a big impression on a new business contact. What are small things you do, or should do, that help relationships endure. Are you the recipient of these types of gestures? Any advice on this?
by saacnmama
Teacher: I see the difference in educational privilege every day. I live it. I am disgusted by it.
We've discussed this as a side issue several times. Do people want to focus on the differences in educational opportunity and what can be done about it? Note that there is a link to an article on race towards the beginning of this piece. We might want to draw it in as well.
by Fred MacMurray
Something I thought about recently as we are doing some projects with costs requiring DW and I agree on before proceeding.
Things on the immediate list include:
• Updated wills, including powers of attorney and healthcare proxies
• Having some of the rooms upstairs repainted
• Refreshing the landscaping
• Replacing our furnace (and maybe the air conditioner)
• Refacing our kitchen cabinets
• Updating the sinks/counter in the family bath
My line of thinking…so what's wrong with a services economy?
As the economy has recovered, oftentimes in the monthly (un)employment report there's a comment along the lines of "…most of the news jobs were in the services sector, where pay is lower…" (than in manufacturing, for example).
As I look at the list of things we are looking to spend maybe $20-25k on, it looks to me that maybe 75% of the costs are for "services" (attorney, painter, landscaper, plumber/hvac, carpenter) and maybe 25% are on the goods (the actual furnace and a/c unit, plants, hardscape, countertop). All of those services providers make pretty good money, IMO.
Both DW & I work for services providers, as do/did many of totebaggers (attorneys, professors, nurses, banking, consulting, not-for-profit management). What's your take on a services economy?
by saacnmama
If America was split up based on each state's favorite alcohol, this would be the new map.
Totebaggers can have some fun with this one, I'm sure. I'll get the party started by commenting that the Tampa Bay area, with its craft breweries, might want to secede
by LauraFromBaltimore
A blast from the past:
This article hits a number of favorite Totebag topics, like why high-income earners don't feel "rich," overspending/keeping up with the Joneses, and the uncertainty/fear associated with trying to get ahead today. My personal favorite line was "Over the years, he has tried to live off his salary, but not always successfully" (dude. Think we figured out the problem).
I wonder, though, if the article missed a critical point about the rise of the professional class. If you think back to the Richie Rich days, people got rich off of other people's efforts: they built factories that made things — or built railroads or bought oil leases, etc. — then paid other people to do the work. It's what Rich Dad, Poor Dad described as "other people's time" and "other people's money." This required tremendous amounts of efforts to get established, but once you got over that hump, you could hire managers, delegate most of the day-to-day work, and continue to collect your profits or dividends without much effort.
In Silicon Valley, on the other hand, people are becoming rich largely by their own brains and labor (and luck): they have jobs that pay salaries and give them access to many stock options and bonuses, which provide the hope of great wealth if the company hits it big. But when you work a job instead of own a company, you can't simply hire managers and delegate 75% of the work and wait for the dividend check — your options are to stay full-time on the treadmill, or quit. And quitting is terrifying, because you are completely severing the very income stream that got you wealthy in the first place. Of course, they could invest their nest eggs and live off of the dividends, like the old-time capitalist. But I have to think that when you're in an industry that changes so rapidly, with companies starting up and failing right and left, that itself seems even more risky. So they keep plugging away — and then spending most of it for all of the reasons addressed in the article.
Of course, it could also be selection bias (the kind of people who are drawn to the excitement of Silicon Valley are also the kind of people who are not going to be satisfied kicking back when they have saved $3-5MM). Or any number of other things.
And as an aside, I would dearly love to see an update piece to see how — or if — some of these folks weathered the crash.
by L
The latest wrinkle in estate planning: Digital assets
Wisconsin Family Struggles to Obtain Access to Deceased Son's Facebook and Gmail Accounts
Digital assets are the new hotness in estate planning. With so many of us doing our banking, investing, and correspondence online, not to mention social media, many forward-thinking estate planners (ahem!) are struggling with how to manage planning for clients' digital assets.
Recently, the Uniform Law Commission completed a draft of a new uniform law to address the problem:
"The Uniform Fiduciary Access to Digital Assets Act solves the problem using the concept of "media neutrality." If a fiduciary would have access to a tangible asset, that fiduciary will also have access to a similar type of digital asset. UFADAA governs four common types of fiduciaries: personal representatives of a deceased person's estate; guardians or conservators of a protected person's estate; agents under a power of attorney; and trustees."
Have you thought about what will happen to your digital assets if you become incapacitated or pass away?
by Louise
Risely brought up this program, so I gave it a go. I haven't made it all the way through but probably will by the time this post goes up. It is a competition that tests children of high IQs in various areas like math, vocabulary, anatomy, astronomy, geography etc.
There is one child at ten, who has graduated high school and is now taking college level courses.
There are kids who are very motivated and study for long hours for the competition in addition to their packed schedules. Looking at the printed schedules in their rooms made me dizzy. The schedule was packed. There were driven parents no doubt, but two parents in particular stood out the classic Asian Tiger Mom and another Asian Tiger Dad. Then there was the bright but budding rebel who chose Boy Scout camp instead of spending the weekend studying for the competition. The prize is $100k for college.
Totebaggers many of you have high IQs. Many of you are gifted, have many interests and did very well academically. What do you as adults think of a childhood defined by the child genius label? In what way is your life better or worse?
If one of your kids was gifted how would you handle it? Enter them in competitions, spend a lot of time studying or would you say a competition is fine, but go ahead attend the Boy Scout camp?
by Rocky Mountain Stepmom
Here's Glassdoor's list of the 25 best jobs for 2015.
And the critical question — how many require Calculus? (By my count, at least seven. but there are a couple of job titles that I can't even parse, so I don't know what's really required.)
by MooshiMooshi
This article was in the Chronicle of Higher Education the other day. The pertinent quote, for me is 'Middle-class college students should have more opportunities to "get the best skills possible," as quickly and cheaply as possible, and making community-college tuition free would help achieve that goal, President Obama said'.
"Obama Says Students Should 'Get the Best Skills Possible,' Quickly and Cheaply"
All I could think of is that old project management triangle "Good, cheap, fast: you only get two".
Do you think that is the case here? Can we provide quality education that is also cheap and fast, or does the project management triangle hold for education too? Since this has to do with Obama's proposal that 2 years of community college be free, the implication is that kids can get a quality education in 2 years cheaply. Do you want your kid to have good, cheap, and fast? Or would you rather that your kid take his or her time and spend the traditional 4 years? As an aside, many commenters on this article note that Malia is visiting only traditional, expensive 4 year colleges as she does her campus visits. No free 2 years of community college for the Obamas!
How about K12? Is good, cheap, fast possible there?
Or will the fundamental laws of project management always hold?
Moxiemom and Lauren both submitted this article, along with commentary:
And Milo sent this in:
Fun, NY-centric obsessive peace about rich people and those who are forced to watch their kids envy them.
Saw this article in the NYTimes. Love the guy who brought all the actual money home and showed the kids where it all went. Genius move and kind of Montessori.
My parents did a good job educating us about money, even had my brother and I write checks for them sometimes, but I also remember my father yelling from the other room to my mother asking her to justify some expense and I remember her writing checks for over at the grocery store just to have some money to herself. I vowed never to have that kind of situation. Luckily DH and I have similar values when it comes to spending and he keeps great track of expenses which we go over periodically. If we are spending too much, I will scale back but I won't sneak around, ever. I think the biggest lesson I took from them was to be careful of your credit. They were pretty proud of their Sears card. This was back when credit was difficult to get!
As for the family that meets weekly to look at the budget, I kind of felt like that was a bit too much info. too much control to the kids and could make them a little obsessive. What do you think? Totebaggers, do you talk to your kids about how much you make and your expenses?
Our fifth grader wants to know how much money we earn, and she is interested in our savings because we have stressed that it is important to save for the future.
She thinks several of her friends are "rich" because they have large houses, and expensive cars. We tried to explain that it is possible to be rich even if it doesn't look that way based on your home or car. We don't want to share the actual numbers with her because we are fearful that she would tell her friends. This article created a discussion in our home about whether we should tell our child about our money. What do you think? Do you share this with your family?
by saacnmama
In my email inbox right now, I have "Start D E C L U T T E R I N G right now " from Better Homes and Gardens, an ad from the Container Store, Target telling us to "Save up to 20% when you go all neat and tidy", and Pier 1 Imports telling readers to "Get organized and save". There is clearly selection bias, as I did something to get each of these sent to me (signed up for a frequent buyers card, probably), and they do have products to sell, but still…
The end of a year and the first weeks of a new year tend to be a time for organizing and purging for many. "Spring cleaning" is a well-known trope. After all my years in academia, the end of summer seems to me to be a natural time to pull things together. I am jealous nearly every year of a friend of mine who is Jewish and therefore has G-d telling her to clean every nook and cranny of her kitchen for the high holidays. On the other hand, there are some people who do such a great job of clearing things out as they go that they never find it necessary to do big purges and organizational moves, and still others who simply leave it all to their heirs.
What about you? Do you have a certain time for big cleaning/organizing binges, an annual cycle, or some other system for keeping your place in order? Does it work well for you? How has it changed through the years with life changes?
Both Finn and Dagney submitted posts that asked similar questions but from different perspectives. As usual, we can learn from each other about "things" we've acquired that have made our lives better.
My Favorite Things
by Finn
When Oprah had her show, her annual "My Favorite Things" shows were always among the most popular.
While she no longer has that show, perhaps we can, at least partially, fill the void. What are your favorite things that you think your fellow totebaggers would also enjoy? Have you bought or received anything recently that was really the bee's knees?
Experiences vs. Things
by Dagney
In Jonathan Clements January 3, 2015 article "How to Keep Your Portfolio on Track – Thirty-One Rules to Guide Your Investments This Year", the rule that made me the most thoughtful was: "10. Think about which expenditures gave you a lot of pleasure in 2014 and which were quickly forgotten. Use that to guide your spending in 2015."
"Experiences" would be my immediate response to the question of which type of expenditure gives me the most pleasure: experiences or things. However reading this rule caused me to dig more deeply into this question. There were two expenditures of things in 2014 that brought me a lot of pleasure. The first was the $9.99 100% Pima cotton white tshirt from Costco. This LWT (Long White Tshirt) made my list because 1) below the waist it was long enough that it stayed tucked into my low-waisted pants, so I didn't feel sloppy, and 2) above the waist it had a flattering fit. The second on my list is an 8" Cuisinart Green Gourmet Skillet. This made my list because I'm trying to eliminate our old Teflon cookware. We have eggs every day, so this gets a lot of use. (And to give credit where credit is due, my husband does almost 100% of the breakfast cooking.)
So the expenditures that gave me pleasure were things that either made me feel good about myself, or made things work better for my family. Could one argue that in fact what was pleasurable about these things was actually the experience of using them? Maybe. And that gives me another reason to pause, because I would predict that the response by both my husband and our son to the question of which type of expenditure gives them the most pleasure would be things. However today my husband and I were at the beach having a spontaneous picnic. At a gathering next to us one of the Dads asked another Dad, if he had any tools to fix his daughter's bike? The answer was no, so my husband offered to help. One of his acquisitions was good toolkits for each of our vehicles, so he grabbed the set out of my car and fixed the bike. So maybe his things are really just waiting for the right event for them to be "experienced".
Totebaggers, what expenditures gave you a lot of pleasure in 2014 and which were quickly forgotten?
by Grace aka costofcollege
The current travails of Brian Williams from NBC News made me wonder how many people regularly watch his evening network news show. Well, it turns out that 37% of "Americans get their news about politics and government" from NBC News, presumably from Williams' nightly news show. Color me surprised. The idea of regularly watching a national news show at 6:00 pm after a day of constantly checking developing news on the Internet seems so foreign, but I'm clearly out of touch with the habits of many Americans on this.
Pew Research conducted a survey last year, and the top ten news sources are listed below.
|Have heard of
|Got news from
|Fox News
|ABC News
|NBC News
|CBS News
|Yahoo News
|Google News
The Pew link has lots of information, including political profiles for consumers of individual news outlets. You probably will not be surprised to see that The New Yorker and Glenn Beck attract viewers on extreme opposites of the political spectrum.
Where do you get your news? Do you regularly watch an evening network news show? What's the future of these shows? Do your political profile and news habits align with the results from the Pew survey? And what's your take on the Brian Williams story?
by WCE
One of my twins was excited to discover that a local establishment had a play area, as evidenced by the "Play Here" sign he read on the door below. (He didn't know ALL the words on the door.) He was disappointed to learn that there was no play area. What has amused you at work, at the fitness center, or within your family?
by Risley
Seems like our kind of topic:
Here's How Much You Have To Earn To Be In The 1 Percent In Each State
Your thoughts?
by LauraFromBaltimore
What's your (realistic) dream retirement hobby or pastime? We've talked about how we'd spend our days in retirement, but is there a big "thing" that you'd like to do if you didn't have to work for a living, raise small children, etc.?
For us, it will likely be a new house. I love real estate, I love designing kitchens, but most of all I love imagining how a space will feel and how I would feel living in it — family get-togethers, reading books in warm, cozy nooks, sitting by the fire or in a hot tub as the snow falls, etc. And DH loves woodworking, tinkering, building, and generally making stuff. In short, I like to build pretty pictures in my mind of what life would be like in that space, and DH likes to turn all those pretty mental pictures into reality. But we are both constrained by all of the other demands on our time and money. We have built one house and extensively remodeled another, and we have laid flooring and done trim and other bits and pieces, but DH has never built me kitchen cabinets — it would have taken him 6 months of nights and weekends, and we just didn't have that much time (nor did we want to devote all available spare time to such a massive project).
But I recently realized that "new house" is a perfect early retirement project — either building from scratch, completely to our taste, or buying an old one and taking our time to make it exactly what we want for the next phase in our life. We will have time to spend on it, we won't be in a rush, and if we sell our current place, we'll have a reasonable budget to work with. And it is an opportunity to redefine where and how we live and who we are. Sounds pretty cool to me.
by Honolulu Mother
I'd never cooked with a pressure cooker until we bought an Instant Pot in December, but since then our household has been busily learning the pressure cooker ropes. I checked a stack of pressure cooker cookbooks out from the library, looked online, and have been experimenting. A few of my initial observations are:
I haven't tried cooking eggs yet although I've read that they come out very well. Nor have I tried the Instant Pot's rice cooker or yogurt function. We've mostly done pressure-cooked soups, stews, and braises so far. One thrown-together recipe that's joined our family repertoire is:
Quick supper
Put in the cooker, from the bottom up,
An onion, peeled and sliced up
Bratwurst, gourmet sausages, or similar — can be frozen
Diced potato and/or carrots
Chopped cabbage or kale
Pour over it all
Bottle of hard cider or beer
Season to taste and set the cooker to do 10 to 15 minutes on high pressure. After it finishes, let it cool for 10 minutes and then vent the steam, and open the lid when it's vented. Dinner is served!
This recipe caused my oldest child to ask me to buy more kale. More kale! Because we'd run out. He's been making this meal for himself too.
Other recipes can be found at the Instant Pot site, or elsewhere on the net.
Totebaggers, do you have pressure cooker tips or recipes to share? Do you have tips specific to the Instant Pot? Can you recommend any uses or tricks I haven't discovered yet?
by saacnmama
Do you sign your name better than a 7th grader? Looking over my son's end-of-semester grades, I asked about a "zero" in one class. "That's because you were supposed to sign my graded quiz", he said. A little more questioning revealed that I had indeed signed it, and he had turned it in. It was right there in his notebook, signature whited out when the teacher accused him of forging my signature. I was never one of those girls practicing handwriting at the board for fun, but not good enough for his teacher? That's quite a distinction! My scrawl being pretty much the same each and every time, I've always figured it was "close enough for government work" and don't usually give it much thought. I scanned in my driver's license, signature and all, and emailed it off to the teacher with a brief explanatory note. I never heard back, but the grade changed to an acceptable "100".
But a messy signature won't do for some government work. The uproar over Jack Lew's signature apparently mirrors similar issues with his predecessor's autograph, as seen here. You can have a bit of fun at his expense here, by having the "Jack Lew signature generator" come up with a loopy version of your own.
The one bit of distinction in my signature came in my last year of high school. I had been exposed to different scripts in different places, and decided to distinguish my own with a "new" version of my first initial. I gave it an additional stroke (like crossing a "T" or the first line of a "K"), and write it that way til today. Otherwise it is hurried and messy and wholly unlikely to make it onto legal US currency in your pocket, even if I am appointed Secretary of the US Treasury.
What about your signature? Is it messy, neat, or somewhere in between? Does it tell anything about you? Post your stories, signed sealed and delivered!
by Finn
We regularly request and receive advice on a wide variety of topics here, from preparing for a first kid, to car selection, to vacation planning, to dealing with schools and teachers, to college planning, to retirement plans.
How did the advice received here help or not help you? What advice received here would you pass on to someone else in that situation?
Personally, when planning travel on the continental US, my family now always checks on the proximity of locations of Shake Shack, Chipotle, and Chick-Fil-A.
(We have an upcoming post on the Instant Pot, one of the appliances I learned about from fellow totebaggers. So please let's defer detailed comments on that for now. — Grace)
by Louise
My parents are now attending funerals of family and friends at an alarming rate. When I hear of yet another one, I often wonder about the legacy I hope to leave behind.
A friend of my mother, a very generous woman who helped people had lots of members of the community at her funeral. In my community, a lot of different buildings be it a hospital wing, small theatre, community center are named after local entrepreneurs and banking executives. Their legacy is all around.
We as Totebaggers have often talked about the financial gifts we hope to leave behind to our children and grandchildren. Many of us are donating as we go along. Then there are the billionaires who have taken a here and now approach and are actively managing projects by which they will be remembered.
How will you want to be remembered?
by Hoosier Gal
The unexpected hit of the fall was the podcast Serial, which reinvestigates the 1999 murder of Baltimore County high school senior Hae Min Lee and subsequent conviction of her ex-boyfriend Adnan Syed. Sarah Koenig, the podcast host, takes us on a week-by-week journey through her investigative process.
Do you listen? Do you believe Adnan Syed is innocent? Would *any* conviction begin to look suspicious when looked at in the same detail (doesn't every story have at least a few inconsistencies? who can remember exactly what they were doing two months ago at a specific hour?)
Was this podcast exploitative or an expose of the flaws in our justice system?
Ethical questions raised when a murder becomes a Serial podcast sensation
Why did it become so wildly popular, to the point that it's been spoofed in multiple places:
Christmas Serial (ft. Amy Adams Golden Globe® 2015 Winner) – Saturday Night Live
Serial – The Best Buy Employee
And what's the deal with Mail Chimp?
Added by Grace: Any other entertainment obsessions you want to talk about?
by GreenEyes
Totebaggers frequently quip that they have more money than time. It seems like many of us have some level of cleaning help, and some of us use meal prep services.
I will share that paying for grocery delivery makes my life so.much.easier. I can place the order from the app on my phone, and schedule delivery for right when I'm walking in the door after work (or, more frequently, on a day I'm working from home). Totally worth the cost!
What else do Totebaggers outsource?
by Grace aka costofcollege
Here's a Zillow Home Value Index chart showing four trend lines.
The Westchester County numbers look about right, with a slow but steady housing recovery that began in 2012.
Are you planning on buying or selling soon?
What are home prices doing in your area? What's your outlook? One predication is that despite the fed's easing of lending standards, "housing may never spring back to its pre-recession levels".
by Grace costofcollege
Danger, danger! The workplace crush. You know it's a bad idea; whether it ends in heartbreak or happiness, two jobs may be on the line. But you just can't help yourself.…
Is it dangerous, or just a way to make the workplace more enjoyable? If you're married, can an office crush stay innocent?
What about an "office spouse", a colleague of the opposite sex with which you have a close platonic relationship?
Having someone you trust completely in the cubicle next door certainly has its advantages. That sort of close colleague may understand situations and anecdotes in a way your non-work friends or actual spouse may not.
The experts say boundaries are critical in keeping these relationships from damaging your marriage or your career.
Totebaggers, any lessons learned from these kinds of work relationships? What are the risks and rewards? You can tell your story anonymously if you'd like, or report on the experience of a "friend".
By Seattle Soccer Mom
The NY Times Active had an article in January about a new study of the effects of exercise on aging. The study found that older people resemble much younger people physiologically. From the article: "The findings suggest that many of our expectations about the inevitability of physical decline with advancing years may be incorrect and that how we age is, to a large degree, up to us."
My mother did not exercise and she was also significantly overweight. It really affected the last years of her life negatively and is a huge motivator for me to stay active.
I exercise 4– 5 times a week – mostly running and I go to a boot camp with friends once a week. I used to exercise 3 times a week – but was able to boost my exercise last year by joining a group where you pledge to exercise 1,000 minutes (or more) a month – and put in $20 as your commitment to do so. If you don't meet the 1,000 minutes, you lose the $20. It's been really helpful to get me to increase the amount of time I spend exercising.
Fellow totebaggers – do you exercise regularly? How many times a week and what are your favorite types of exercise? What's your motivation?
by MBT
Every January, I spend a little time revisiting all of our spending, getting new insurance quote, etc, to see if we can shave any of the spending creep that occurs in our house. One of the things I think I'm going to do this year is try dropping cable and my landline.
I'm the only one who uses the landline, which is actually forwarded to my cell phone right now, so this choice impacts no one but me. I like having a line separate from my cell number to give out when I need to provide a phone number, and just generally feel weird not having a "house" phone. So this is a baby step for me to cutting the cord. I think I'm going to go with a service called Ooma that will provide free basic phone service once I buy the router-type device.
The bigger change is dropping the cable service. We already subscribe to Netflix, Hulu Plus and Amazon, but I think they'll just be a little adjustment in having to go to multiple sources to find what we want to watch. Right now I mostly set shows to tape and watch off of the DVR. I'm assuming I'll need to get some sort of antenna to get network shows, but other than that, I really just watch HGTV. Their website says they offer some episodes online, but I have to have a cable subscription to get a larger selection. I found this article which offers some advice:
Cord-Cutting Calculator Shows How Much You Can Save by Ditching Cable
I saw that there is a new service coming out called SlingTV that is a subscription to just a few of the key channels I want (HGTV) or someone else in the house may want (ESPN). Has anyone that will actually cop to watching TV abandoned cable, and if so, what streaming services do you recommend? Are there any that aren't worth the money? Is a Tivo system or other DVR necessary? I'd welcome any tips you may have.


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Margarita, with a Straw is a story on Laila who has cerebral palsy.


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Obama to Unveil Gun Proposals Tomorrow
Jan. 15 (Bloomberg) -- Bloomberg's Megan Hughes reports that President Barack Obama will roll out his comprehensive gun control proposal tomorrow and looks at what type of gun legislation may head to Capitol Hill. She speaks on Bloomberg Television's "Bloomberg Rewind." (Source: Bloomberg)
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29:52 - Brad Stone and Janine Yancey discuss the verdict of the Kleiner-Pao case. They speak with Pimm Fox on "Taking Stock." (Source: Bloomberg)


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The Top 10 In Action Sports
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09Win a Holiday for 2 in Chamonix with Three #holidayspam
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TTR BEO 09 Halfpipe Womens Finals with Kelly Clark
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TTR 6Star Womens Halfpipe finals from Burton European Open 2009 in Laax, Switzerland. Kelly Clark does back to back 7s followed by back to back 5s, with a monster double overhead Frontside Air to finish it off.
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Originally Posted by noonwitch
Read the part about how Exxon-Mobile got the IRS to audit Greenpeace during the Presidency of a man with connections to the oil business.
Salon.com, huh. Might as well have been Media Matters or Moveon.org.
Forum Rules
"Incomprehensible" describes the O's presidency for me.
What Dorkzilla ( the name fits) doesn't seem to know is the Liberal point of view is screamed at everyone 24/7 non-stop.
His Mother sees the world as it is, Dorkzilla sees the world as he wants it...
What dear Cali is telling the world is young black men are allowed to hurt random people because be cause of the Brown case.
In other words, Cali doesn't expect to obey the law, or respect the...
What about the email servers she sent emails to? Certainly she sent a butt load of emails to various recipients on official government servers. Can't someone do a search for any emails from hillary...
The chess pieces are falling into place in preparation for the final battle of Armageddon.


text:
"Day Trip to Ashland, Oregon with Kids"
Ashland, Oregon is a fantastic place to visit with kids. With great food, lots of fun and educational activities, your family is in for a great day!1. Lithia Park Playground
The best places to pick-your-own from a(pples) to z(ucchini)! This list will continue to be updated as information becomes available.1. Music's Muscadine Farm
"Awesome Aquariums in the San Francisco Bay Area"
Places to acquaint the kids with sea life around the San Francisco Bay Area.1. Monterey Bay Aquarium
"Great places to view Fall foliage with kids in PA"
Ideal spots in Pennsylvania to take in the glory of the changing colors of fall with your kids!1. Pine Creek Trail
"Great Aquariums in Southern California: San Diego, LA, & OC"
View amazing marine life at these great aquariums in Southern California. Kids and families will love them!1. Long Beach Aquarium of the Pacific