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Budget and Rates
Proposed fiscal year 2016-2017 budget
At a public workshop on March 24, 2015, EBMUD staff presented the Board of Directors with a proposed budget of $1.8 billion for the next two fiscal years (July 1, 2015 – June 30, 2017).
The budget funds critical capital projects including $69 million to replace aging pipelines. It also accounts for increased water supply costs because of drought, and balances slimmed down water sales.
Under fiscal year 2016 (July 1, 2015 – June 30, 2016) of this proposal, the average EBMUD household that uses about 246 gallons daily would see an increase in their monthly water charge of $3.57, increasing their bill from $48.60 to $52.17 each month. That is about a 7 percent increase to most residential water bills in fiscal year 2016. About two-thirds of EBMUD's single family residential customers use less than the average amount.
The highest one percent of water using households, those using about 1,476 gallons daily, would see an increase in their monthly water charge of $47.69, increasing their bill from $264.68 to $312.37 each month. That is about an 18 percent increase for those customers in fiscal year 2016.
The wide range in water rate increases in fiscal year 2016 stems from the findings of a cost of service study the district conducted last year. State law requires rates be based on the cost of service. The study recommended adjustments for rates in all customer classes and all tier levels to match customer costs with services received.
A 7 percent rate increase for all water customers also is proposed for fiscal year 2017 (July 1, 2016 – June 30, 2017).
Temporary drought surcharges may be needed
New this year to the budget are proposed temporary drought surcharges of up to 25 percent. The drought surcharges of 8, 20 or 25 percent would apply to all customers only during a declared stage 2, 3 or 4 drought and only on the volume of water they use. Drought surcharges primarily would pay for water supplies via EBMUD's Freeport facility on the Sacramento River.
Revenue reality shapes projections
For the previous two budget periods the district faced financial challenges brought on by the 2008 drought and the Great Recession when water sales, hydropower sales, interest income and other revenue declined. From 2010 to 2013, the district reduced and deferred nearly $200 million in capital projects and operating expenses, implemented a hiring freeze and a salary freeze, and paused less urgent maintenance work.
Process culminates in June
A series of public board workshops held over the past year form the foundation of the budget. The workshops examined short- and long-term impacts of operating and capital needs, financial policies, fixed versus variable costs and the effects of the ongoing drought.
The EBMUD Board of Directors is scheduled to vote on the fiscal year 2016-2017 budget at a public hearing on June 9, 2015. A Proposition 218 notice will be mailed to ratepayers this spring. The budget and rates, if approved, will take effect July 1, 2015.
Current fiscal year 2014-2015 budget
Following a public hearing on June 11, 2013, the EBMUD Board of Directors approved the fiscal year 2014-2015 biennial budget and rates. Rates are structured to allow EBMUD to deliver the best drinking water to East Bay customers and provide wastewater treatment and services to protect the San Francisco Bay.
EBMUD water rates increased by 9.75 percent in fiscal year 2014 (July 1, 2013 – June 30, 2014), and 9.5 percent in fiscal year 2015 (July 1, 2014 – June 30, 2015). The typical EBMUD water customer who averages 246 gallons daily saw an increase of $3.96 more each month in FY14 and $4.19 more monthly in FY15. EBMUD wastewater rates increased by 9 percent in FY14 and 8.5 percent in FY15, representing an increase to the average wastewater customer of a little more than a dollar a month each budget year. The FY14 rates became effective July 1, 2013 and the FY15 rates on July 1, 2014.
Mid-Year Budget Cycle Update - The mid-year budget update provides status of and projected changes to revenues, expenditures, and staffing for the second year of the two-year budget.
Biennial FY14-15 Budget - The Biennial FY14-15 Budget contains a budget overview, priorities, financial forecast, and staffing changes. The Capital Project Supplement provides the details of our Capital Improvement Program.
Budget Fact Sheet - The budget fact sheet is a high level summary of the current biennial budget. The fact sheet summarizes the adopted budget and provides answers to frequently asked questions.
The FY15 Budget at a Glance: Where Your Dollar Goes
EBMUD's adopted FY15 budget supports EBMUD's mission, values, and strategic plan. The budget funds the highest priority projects and tasks necessary to achieve our goals while keeping our costs and rate increases as low as possible. Our commitment is to provide the highest quality water and wastewater services for our customers while keeping rates low.
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I've plenty of news to post following the completion of MCM R2 for Exchange 2007 but rather than post one monster blog piece I'll do it little and often....
So, before we get to the stories about R2, let's take care of those existing MCM's who either obtained their 2007 MCM or upgraded their 2003 certs to 2007 over the last month or so. There have been a few.
So well done to you all! It's not an easy exam, I don't think anyone will disagree with that.... which makes passing it all the sweeter.
(re-posted as I can't spell and it was pointed out to me that Donté (not Danté) has no affiliation with the devil or hell in any way (that I know of)). Sorry Donté. Again.
Donte! Way to go - Rotation 17 shines again! I still have to take mine and not looking forward to it. And congrats to Sachin, Nikolai, Pierre, and Bernd!
Rotation 18 shines even more this time with two renewal entries :-) Good to see my old learning-group buddy Pierre also following up. Congrats to the others as well.

subset: commoncrawl


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Terrarium violets and misting
I have some terrariums to which I am going to add some AVs. I am planning on building an automatic misting/drainage system. Has anyone used a fine mist on their AVs, and how did they do?
Lucille - hi
I believe that the preferred humidity for the AV is about 50%. So there can be some problems just because it will be 100% humidity in your terrariums. They develop spots on leaves if the water drops are sitting on the leaves and in the crown, especially it is cool. ( Shouldn't be cool in Houston though)
But - you just need to try. You can always remove your violet if it is not happy. I would think the miniatures and semiminiatures should look good in your terrarium, standards will grow to the size of rhubarb and take over.
I use terrariums for episcias - they would love it there and the leaves are exquisite and they bloom - the only thing = you need to keep an eye on them and remove spent blooms and old leaves so they wouldn't rot. Micro-miniature sinnigias would love the conditions - sinnigia pusilla for example would grow like a ground cover and bloom. Gloxinella lindeniana does well in terrariums - provided you have enough light - otherwise it becomes leggy. But the leaves - are to die for. Gesnerias would love the conditions and would bloom with hot orange tubular flowers - the wetter the better.
Lucille -
the best size for the pot is about 1/3 of the leaf span. Since your environment is wet - I would go for a really light soil mix - like 1:3:1 -peat-perlite-vermiculite - to let the roots breath. Certainly lighter of the store bought soil or soil they sell AVs planted in Walmart.
Good Luck, hopefully you will post a pic for all of us to enjoy.
Actually, it's the maturity of the plant that determines when it blooms; the 'snug in the pot' has more to do with not encouraging root rot by having constantly wet soil surrounding the rootball. As long as your substrate has plenty of air and moisture, it should be fine.
Humidity is a bit iffy; 50%-60% is recommended, and good air circulation is vital. Definitely play with it, and see what happens.
Also, go with Irina's recommended plants; they'll look gorgeous.
This reminds me that I should try planting more Gesneria seeds and see if I have better luck than last time; it wasn't pretty.
Good luck and let us know how it goes.


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Will OIV Ever Relax?
Submitted by Mark Sebastian on
In 2008 we saw the market in backwardation for weeks. At a certain point, the VIX finally started to ease and moved back toward 40, then 30 then 20, then finally about 10. The OIV has been above 45 for WEEKS! The question now is, how long will this last? History says that high vol doenst last for more than 6 months. We are getting close to that.


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Good Prices . Awesome Wings. Wash it down with Frankies Brew
Great wings. Try their Frankie's No Cryin' Ale.
Try the wonton chips. I didn't even know something like that existed, but I'm glad it does.
This is where i bar tend. We're a locals place with the best prices on the beach. you wont find cheaper beers or cocktails. try the wings, burger and sea food pasta, it all made by our chef
best wings in South Beach. Cheap beer and good booze. Not much else to write about. Try it!


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Darryl Fitton: The old dog's still got a bit of life
Darryl Fitton reviews his highscoring game against Stephen Bunting
(02:29) | January 8, 2013
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Premier League Darts
Near-perfect Van Gerwen storms on in DublinMichael van Gerwen once again missed double 12 for a perfect nine-dart leg but powered on to maintain his spot at the top of the Premier League table
Premier League Darts
Van Gerwen betters Taylor to top Premier League tableMichael van Gerwen claimed a blockbuster 7-3 victory over Phil Taylor to climb to the top of the Premier League table at Nottingham's Capital FM Arena
UK Open
Taylor shocked by superb WrightPhil Taylor was knocked out of the UK Open after a superb display from Peter Wright, who joins Michael van Gerwen, Stephen Bunting and Andrew Gilding in the semi-finals
UK Open
Taylor and MVG impress as Wade suffers shock exitPhil Taylor will play Peter Wright for a place in the UK Open semi-final after both scored impressive fifth round victories in Minehead on Saturday
UK Open
Defending champion Lewis among UK Open casualtiesDefending champion Adrian Lewis and PDC world champion Gary Anderson were both knocked out of the UK Open at the third round stage in Minehead on Friday
Darts champion was a Hollywood double for Johnny Depp
It's not something you expect to hear - a darts player being used as a stunt double for Hollywood star Johnny Depp
Quote Unquote
"I had him by the b******s but I just didn't squeeze"
Golden oldie
Is Gary Anderson, the new world darts champion, the oldest man to win it for the first time?
Twice as nice
I was wondering why there were two world darts championships? And has anyone ever won both?
A double darting delight
How many people have won both versions of the world darts championship?
Youth rising on the oche
Was Michael van Gerwen the youngest man to win the world darts championship?


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How Does A Hiv Home Test Work
Here's a taste of what TheBody.com has to offer on this topic:
Ask the Experts
When working as a volunteer health care worker, is it possible I contracted the HIV virus?Two summers ago I volunteered in a developing country. I work mostly in a clinic for men and women living with HIV and AIDS. I often had to change incontinent residents and their soiled bedsheets. I would also have to lift them up while another...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...the next! BRAVO! As a person living with HIV, please accept my heartfelt thanks for your altruistic and magnanimous volunteer work!Regarding your HIV-acquisition risk, it's extremely remote at best. For peace of mind, it's fine to get HIV tested;... Read more »
Work & HIVI would like to know how an office enviroment and possibly work related stress would influence a... Read more »
Working with HIVi wonder how does HIV effect on our work? I read many peoples need to stop working because of HIV.... Read more »
HIV Health Care Access Working Group Action Alert: Tell Congress to Make Health Care Reform Work for People With HIV/AIDS...information and analyses of various health care reform proposals and the impact on people with HIV/AIDS. The HIV Health Care Access Working Group is hosting regular conference calls to update the community about health care reform efforts and... Read more »
Young Girls Trafficked From Nepal to India for Commercial Sex Work Emerging as HIV/AIDS Risk Factor, Study Says... Young women and girls who have been repatriated to Nepal after being trafficked to India for commercial sex work are emerging as an HIV/AIDS risk factor, according to a study published Wednesday in the Journal of the American Medical Association Read more »
Working in the Frontlines of the HIV Pandemic Since 1989... July 6, 2009 Hey everybody. At the beginning of June I volunteered for THRIVE! -- a one-day educational and empowerment workshop in Atlanta for people living with HIV. I love doing this workshop and think that it is a valuable guide for... Read more »
Clinton Signs New $10 Million Agreement on HIV/AIDS With Angola, Says U.S. "Stands Ready" to Work With South Africa on HIV/AIDS...epidemic of sexual assault in the violence-torn nation," according to the AP (8/10). Clinton Says U.S. "Stands Ready" to Work With South Africa on HIV/AIDS, Meets With Zuma During her visit to an HIV/AIDS clinic in South Africa on... Read more »
Connect With Others
Posted by help290, 1 Reply...though all this testing is I have been very ill with crazy symptoms and every time I go to the doctor he or she will run another HIV test on me it is not my choice. He also said that I was very vitamin D deficience. So if I am infected with HIV... Read more »
hiv & working out/bodybuilding
Posted by windycitypozdude, 2 Replies...hey everyone! i have always been a "working out," active kind of guy, and always been interested in getting bigger/more muscular, etc. i shy away from the term "bodybuilding" Read more »
HIV+ and working in academia
Posted by kuanRC, 6 Replies...I'm looking to connect with anyone who has experience as an HIV+ person working on faculty, as a researcher or graduate student in academia. I'm a PhD student in an extremely competitive program at a major Read more »
working with hiv positive person
Posted by work35, 1 Reply...Hello.. I hope this is not an ignorant question but here goes.. two part question.. Part one.. I just found out my co-worker is hiv positive.. he is healthy thank god.. and i really like him but I admit I am VERY uncomfortable at work.. we both... Read more »
Resource Centers
Guides for People With HIV


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The Classic Nintendo Test
Their result for The Classic Nintendo Test ...
Game Over! You scored ###%!
Their Analysis (Vertical line = Average)
They scored 83% on health, higher than 77% of your peers.
All possible test results
In Need of Play
Have you ever seen or heard of a Nintendo before? You can probably pick one of these baby's up on Ebay or a Pawn Shop or maybe someone's basement. Make sure you blow in it a few time and then it'll ... Read more
You know the basics. Read more
Mega Man
You know your Nintendo games enough to call yourself a Nintendo fan. Read more
Your legend was a success! You defeated Ganon and rescued the princess... now for another quest. Read more
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Mask_and_Mirror30 / m / Bisexual
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Latest Ryanodine receptor Stories
Researchers have discovered the fundamental biology of calcium waves in relation to heart arrhythmias.
Using some of the most powerful nuclear magnetic resonance equipment available, researchers at the University of California, Davis, are making discoveries about the shape and structure of biological molecules -- potentially leading to new ways to treat or prevent diseases such as breast cancer and Alzheimer's disease.
A young fit athlete who appears no different from the others on his football team dies suddenly during practice on a hot summer day. What could make this happen?
According to a new study in the journal Nature Medicine, an experimental treatment known as the 'couch potato pill' may also help to prevent heatstroke in people genetically predisposed to it.
There is a reason exercise becomes more difficult with age.
TARRYTOWN, N.Y., May 2, 2011 /PRNewswire/ -- ARMGO Pharma Inc., has appointed Dr. Sapan Shah as Chief Executive Officer, effective immediately. Dr. Shah joins ARMGO from Shionogi Inc., where he served as President and Chief Executive Officer since 2002. In addition to his role as CEO, Dr.
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- To play, gamble.
- To impose upon; delude; trick; humbug; also, to joke; chaff.
- A deceitful game or trick; trickery; humbug; nonsense.


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Activision confirms Skylanders 5, Call of Duty 2015, "unannounced initiatives" during quarterly presentation
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PSN Today: Rayman 3 HD, Sumioni: Demon Arts, more
Tuesday is ticking to a close and Sony has updated the PlayStation Store with a quartet of new games. There's the inky Vita adventure Sumioni: Demon Arts; Tecmo Koei's demon brawler, Warriors Orochi 3; an HD remake of a classic platformer, Rayman 3 HD; and Warhammer 40,000: Space Marine, THQ's action spinoff of the tabletop game.
Details (and pricing) for all of these titles can be found right here with a full list of new game add-ons at the PlayStation Blog.
PSN Games
Warriors Orochi 3 ($49.99)
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Sumioni: Demon Arts ($19.99)
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This entry was posted in News, PS3, Vita and tagged Rayman 3 HD, Sumioni: Demon Arts, Warhammer 40000: Space Marine. Bookmark the permalink.
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Blue Here comes the sun dress
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Archive - Jul 19, 2012
Debate continues about future of old Seabreeze communitySubmitted by Katie Harden on Thu, 07/19/2012 - 4:53pm.READ MORE:
A community once rich with history is now struggling to figure out its future. One group says it wants the Seabreeze community near Snow's Cut to move forward with new homes. The other says back off and leave Seabreeze the way it is. Full story...»
Veterinarians perform experimental surgery on turtle rescued from Holden BeachSubmitted by WWAY on Thu, 07/19/2012 - 4:04pm.READ MORE:
Full story...»
Review critical of NC ALE chief won't be quashedSubmitted by WWAY on Thu, 07/19/2012 - 4:01pm.READ MORE:
Full story...»
Judge's ruling on UNC documents could take weeksSubmitted by WWAY on Thu, 07/19/2012 - 3:59pm.READ MORE:
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Charles Warren leaves GOP for Democratic PartySubmitted by WWAY on Thu, 07/19/2012 - 2:26pm.READ MORE:
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Police say NC man shot to death after sword attackSubmitted by WWAY on Thu, 07/19/2012 - 1:55pm.READ MORE:
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Synthetic drugs may be involved in woman's death at apartment complexSubmitted by WWAY on Thu, 07/19/2012 - 1:27pm.READ MORE:
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Silver Alert issued for woman who may be heading to Columbus CountySubmitted by WWAY on Thu, 07/19/2012 - 8:59am.READ MORE:
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Are you experiencing body aches and pain? Are you tired of taking medications to relieve pain? As we face many responsibilities that come along with modern living, stress, depression, and many other physical ailments are some of the problems that we have to combat every day. With so many health issues, it has been difficult to maintain a healthy lifestyle and have a stress-free life. If you are looking for ways to soothe your mind and body, it may be time to try out physiotherapy Winnipeg.
What is Physiotherapy?
Physiotherapy is a healthcare profession that aimsyout to restore proper functioning of the different body parts through physical procedures such as exercise and hands on treatment. Its goal is to work with patients to maximize their ability to move, function, and improve their quality of life. Contrary to popular belief, physiotherapy is not restricted to rehabilitation of sports injuries; rather it covers a wide range of injuries and diseases that affect the muscles, bones, joints, and the nervous system. It uses different treatment techniques such as physiotherapy exercises, biomechanical analysis, sports physiotherapy, and acupuncture Winnipeg. This profession is committed to improve health, lifestyle, and quality of life.
Physiotherapists are health professionals who are experts in body movement and function to treat and prevent physical injuries, diseases, and physical disabilities. They use specific techniques that include massaging and manipulating certain areas of the patient's body to give relief to painful muscles and boost the blood flow in some parts of the body. These healthcare practitioners prescribe treatment methods according to the specific needs of their patients.
What Conditions Can Physiotherapy Treat?
Physiotherapy can treat a variety of conditions. Pain from injuries and accidents can be alleviated through massage and exercise. Regular massage therapy Winnipeg helps restore bodily movement and physical coordination. It can help a patient to recover after surgery. Physiotherapy also covers neurological conditions like stroke and multiple sclerosis.
Generally, physiotherapy has three different types.
- Musculoskeletal – Back pain, sprains, and arthritis are some of the common conditions that physiotherapy can treat. Sports injury, workplace injury, problems with posture, and reduced mobility can also be treated through musculoskeletal physiotherapy.
- Cardiothoracic – This type of physiotherapy treats disorders of the cardio-respiratory system like asthma, chronic bronchitis, and emphysema.
- Neurological – Head injuries, stroke, spinal cord injuries and other disorders of the nervous system can be treated through physiotherapy. Treatment of Parkinson's disease, multiple sclerosis and rehabilitation after bran surgery can also be offered.
What are the Benefits of Physiotherapy?
- Physiotherapy can help obtain flexibility and mobility of body functions. This is especially advantageous to people who live a sedentary lifestyle.
- Regain stamina and strength
- Feel younger and stronger after getting physiotherapy treatment.
- Kill and decrease pain
- Heal and recover faster after an accident or injury
- Long-term solution for pain relief for a variety of conditions
- Get back to your passions and enjoy life to the fullest
It is important that we live a healthy life. Physiotherapy can help improve a patient's quality of life by promoting physical activities, mobility and overall health and wellness. Educating and teaching patients of support programs to prevent the recurrence of the condition are also included in the treatment plan. It is possible to soothe your mind and body even after any physical, social, or emotional trauma through physiotherapy.


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A drop-by..
Hello, o peoples of the African Violet board!
Long time, no post-at.. Life/move to another state/upcoming wedding had temporarily pulled me away from the wonderful world of AV's... but not for long!
Recent acquisitions come from a greenhouse that actually had a really, really nice batch of partially-named african violets. (Playful spectrum, a bunch of Rob's varieties, and splatter cake, among others) Sadly, the significant other insisted that we had no more room for plants (pssh. When's that ever true?), and only 3 got bought.
These are the three.
I know there's a code about not identifying things from pictures, because things may not be as they seem, and yet.. it's not as though I'd be going into the hybridizing business.
The little blue and white one looks exactly like Rob's Loose Noodle, the little pink one's looking similar to Rob's Mad Cat, but without the blue flecks on the flowers.
The large white one actually has faint blue flecks on the flowers, and with the unusual foliage to boot.. Any thoughts on what that one might be?
Here is a link that might be useful: Rob's Loose Noodle


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Town Square
Police: San Ramon worker reported missing found safe in Nevada
Original post made on May 20, 2014
Read the full story here Web Link posted Monday, May 19, 2014, 9:53 AM
Comments (1)
a resident of Danville
on May 20, 2014 at 6:20 am
Certainly more to this story than meets the eyes. Was he having emotional problems or just decide to go to Reno for a drive?
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Another bad idea from the air board
By Tim Hunt | 20 comments | 2,821 views
Bidding My Training Dept. Goodbye
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Nelson Hotel Deals
Hotel Deals > New Zealand > Nelson
Quality Inn Nelson
40 Waimea Road
Advance Purchase
|Valid Dates:
|July 7, 2010 until December 31, 2020
|99 night maximum length of stay. 21 day advance booking required.
Who Qualifies for the rate?Choice Privileges members shopping on choicehotels.com. Rate plannot valid through contact centers. This rate is a pre-paid rateand cannot be cancelled.


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More in Kitchen
Measure and mark the back of the cabinet where the drain pipes, water pipes, gas line and electrical will need to enter.
Using a paddle bit, drill a pilot hole to cut out the access panel in the back of the cabinet with the jigsaw.
Slide the cabinet in place, leaving enough room for the stove and small end of the cabinet on one side and the dishwasher on the other.
Since the studs are already marked, you will know where to drill pilot holes in the cabinet back for mounting. Use 3" screws to mount the cabinets to the wall. When mounting the stove side cabinet panel, make sure to check the stove manufacturer's specification so you know how much space to leave.


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com Identificações: deepqa X
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What if you could ask your business a question?
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IBM lead in advanced analytics and optimization services Christer Johnson explains how Big Data stacks and analytical approaches are gradually finding their way into organizations and how this kind of technology can change the way businesses work. From the...
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Revisiting the promise of artificial intelligence
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David Ferrucci, IBM Fellow and Principal Investigator on the DeepQA/Watson Project, talks about artificial intelligence and where it is going. He discusses AI as the tool that will help us extract and make sense of the growing amount of data from ever more...
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IBM Watson -- How to replicate Watson hardware and systems design for your own use in your basement
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For the longest time, people thought that humans could not run a mile in less than four minutes. Then, in 1954, [ Sir Roger Bannister ] beat that perception, and shortly thereafter, once he showed it was possible, many other runners were able to achieve this...Modificado por TonyPearson
Elementary, my dear Watson
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Here's the commercial soundbite: Very cool IBM commercial but perhaps you want to know more. Here's a longer (22-min), but very interesting video: David Ferrucci of IBM discusses the DeepQA Project; the technology and architecture behind IBM's...
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The Perfect Cup
How to Use a French Press
The best way to brew coffee in a French press.Read More »
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And logical.
I would not be at all concerned with your choices.
And logical.
I would not be at all concerned with your choices.
Whenever I see someone wearing an MSU or OSU shirt or bumper sticker I usually just roll my eyes and grumble. I wonder if they do the same thing about Michigan shirts and other apparel.
You have no idea....I get so sick of hearing OH--IO when in UM attire. I usually offer a congratulations for spelling it correctly and thus passing the Ohio 9th grade proficiency test.
Most times people have said it to me, it comes out, "O-I-H-O" ...
I might get negged for this, but whenever I see someone with OSU gear, they might get a glare from in their direction, but I just can't stand to see Spartan gear. The OSU fans I've come across have a begrudging respect for us, and some of them have even come out and say that what RR is going through is BS, and some have even confided in me that they are leery about what RR has brewing over here. Spartan fans on the other hand have been increasing my blodd pressure since The Horror. My stepsons' dad, being the asshat he is, knows I'm a diehard Michigan fan, so he buys them App. State t-shirts after The Horror. Needless to say, while doing laundry one day, to qoute Yoda, those shirts "disappeared they have."
Send your wife's ex a friendly greeting card.
"Guess what. I just did your wife!"
I'm with you on that one. I'm a former band member, and one of the interesting "behind the scenes" things you get to experience is the opposing team running up the tunnel right before you run down it. Most of them are pretty much dicks and lay some taunts down at the band. This is fine, because it allows you to stew in hatred and pray that unholy pain rains down upon them in the form of Brandon Graham. MSU, as expected were uber dicks. This was good. Ohio State however, was easily the nicest team walking up that tunnel. They smiled, laughed, and worst of all, wished us good luck. It was one of the biggest letdowns ever.
Furthermore, while I do hate OSU a lot, not having daily contact with them sort of dulls out the anger between Novembers.
One of my best friends s an OSU fan, we met in high school and i had no idea he was a OSU fan and he didnt know i was a Michigan fan until it was too late we were already friends.
but we love just killing each other about it, making bets and stuff. but we always say if we had known our alliegence before we were friends, we would not be.
to OSU or MSU fans, cause when I go into Burger King I know that shift manager tag means I'm on their turf.
Despise OSU, feel sorry for MSU. I really can't stand people wearing OSU gear as I assume 90% never went to school there which irks me more. I have friends from MSU so I usually feel sorry for them because they have such an inferiority complex.
So going to said school is a preq. for wearing team gear now? I suppose I should burn mine then?
I guess I'll stop being a Michigan fan now so you won't have to cheer with some "non-student"
I don't hate MSU fans as much because I know a lot of MSU grads. Plus, they don't really have anything I'm envious of.
I do hate everything Ohio. I never take toll roads in Ohio and in Chicago I go an extra exit to Washington St. to bypass "Ohio St." I root for the other big ten schools but can't enjoy OSU losses enough.
I hate Notre Dame with a passion. I respectfully hate Ohio State and really just ignore MSU fans. I've learned to be respectful to people though and stab them in the back later... It's all part of being a passive-agressive prick.
I hate almost every school from the Big 10 for varying reasons. Of course OSU and MSU are at the top of the list, but I have problems dealing with people from all the schools. Just last week a Purdue grad was in my office for training and I had to share my computer with them for 3 days. Everytime I got on my computer there would be some website in the address bar history for the boilermakers. I had to erase my history everytime otherwise I couldn't pay attention to work. I have serious problems.
I also feel the need to say something. I usually do not, but I am fighting every urge. I am most annoyed when I see ugly people walking around in OSU/MSU gear. I feel like they do it so that other fans of their schools will talk to them and make them feel important. It is these people that annoy me most. A "Go fuck yourself" is what i am thinking inside.
I try to remain classy otherwise and just know that in my head I hate them so much.
Just yesterday, I saw a car with Michigan plates and Ohio State decals. I left the owner a nice little note on the car.
We Wolverines, we're classy people. We could've pulled a Buckeye and slashed the tires, but we don't.
shirt pretty much sums up my attitude towards Ohio and its residents.
Ohio stole Toledo from us and they'll never be forgiven. They're a bunch of city-stealin' good for nothings.
MSU and ND grads? most of them are OK, I kind of feel like they are not evil, just misguided. Very misguided. No reason to harbor ill-will. Pity perhaps.
If it'll make you feel better, I'll gladly give you Toledo if you'll give me the upper peninsula.
Cheer for your team! Cool.
School pride - no problem.
Attack my school - YOU have a problem.
I have no respect for someone wearing a "Muck Fishigan" shirt, or an "Ann Arbor is a whore" shirt. Even less for those that wear both on the same shirt (aka Illinois fans last year). I will call out a fan like that every time. It just flat pisses me off.
I am non-discriminatory on this subject. I have the same negative reactions to a Michigan fan wearing a similar taunting shirt. (Not going to call them out though.) I would like to think that we would have more dignity than that.
EDIT: Just thought about it a little more. I am willing to make an exception. Fuck Ohio State and the entire state of Ohio. Fuck them all. Where do I buy a shirt?
Is they're just crass. They show no creativity. Or intelligence. I mean, when OSU was in town, the guy two rows in front of me had their mascot being blown by a girl in Michigan gear. Wow, your mom must be so proud.
If I see something creative, or funny, I'll tip my hat or chuckle to it. But Switching the "F" and the first letter of a school name? Yeah, I'm sure you came up with that one. And I don't really like it any more on Michigan T-shirts. I think we're better than that. That's why the MGoStore line of CREATIVE digs are so cool.
(Note: the above described OSU shirt did serve one purpose...I took a pic of it on my phone, and showed it to the girl I know who sold her tickets to an Ohio State fan. Yup honey, this is what they think of you).
I completely agree--on just about everything. But, then again, I don't mind Nuck Duck Fotre Fame. It's like it is written in an ancient and since forgotten language, and I just have to find out what my ancestors were trying to communicate.
As long as it's creative. THAT'S creative.
Being disgusted at the sight of someone wearing OSU or MSU apparel is pretty normal. Actually doing something assholish (like cursing out a complete stranger in the street) in response to said clothing is another story.
and I was fortunate enough to witness a parking officer writing a ticket to place on a chevy blazer that was all green, with white trim, some form of MSU vanity plate, and oodles of Spartan stickers, decals and other kinds of paraphernalia stuck inside the windows, etc., etc. It was the vehicle of one very dedicated Spartan fan. It sort of irked me to see it actually, even though this was well before our current state of affairs and still in the era where we owned them outright, in fact I think it was in the spring following the Braylon-Fest overtime win, if I remember correctly.
At first I simply chuckled at their misfortune, but then decided to poke them with a stick, at least in the figurative sense. I looked at the ticket, written with a black ink pen and went in search of same. Returned to the car after finding the right pen and made a few edits to the ticket.
There was a checkbox were the 'meter expired' infraction was checked with a fine of about $35 listed as the penalty. At the bottom of the ticket in a blank area, I added a checkbox and checked it of course, labeling it 'blatant and public display of indecent college football materials' with the penalty column listing $200 as the penalty. In the other blank area at the bottom of the ticket, I added, 'Thanks for parking. Go Blue!' with a little smiley face.
It made my day to imagine how pissed of that would make them when they got back to their car.
It's absolutely pretentious (though I don't deliberately/consciously intend it to be, it still is), and I guess it doesn't make sense from some perspectives given the current state of the football program, but ...
When I see MSU or OSU fans, I grin. In my head, as an involuntary reflex, I'm lifting my nose. It's a little douchey. I can admit that. But seeing their fans unconditionally elicts in me feelings of "My University is elitely fantastic and fantastically elite, and, well, theirs? It is less so." And, really, I mean *really*, am I wrong?


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Lil Herb aka G Herbo delivered his well-received debut mixtape Welcome To Fazoland on February 17th, and now, over a month later, the Chicago native returns with the non-tagged up version of the tape for all those who could do without Don Cannon's consistent shout outs.
We reviewed the mixtape when it initially dropped, and it received an overall editor rating of 80%, while the fans rated it at 87%. What are your thoughts?
Download the DJ-less version and put Welcome To Fazoland back into rotation!
01. At The Light
02. Koolin
03. Fight Or Flight
04. 4 Minutes Of Hell Part 3
05. On The Corner
06. Mamma Im Sorry
07. On My Soul
08. Designer
09. Murder
10. Still Fucked Up
11. Love 2 Stunt
12. At Night
13. All My Niggas
14. Aint For None
15. Write Your Name
16. All I Got
17. Everyday In Chicago
18. At Night


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text: 3Apartment for 2 people in Saint-Nectaire40 m², 1 bedroom200 € to 300 € per weekWeekly rentals, the weekend, the night. 60 hours. 100th two nights. 130th 3 nights (off season) - 180th 3 nights (high season) - From 4 nights = week requested.Located 9.9 km away of Besse-et-Saint-AnastaiseFavouriteCompareLe Lac Des Estives9.223Chalet for 6 people in Montgreleix60 m², 3 bedrooms270 € to 760 € per weekCome and deeply breathe the highlands Cézallier the heart of the Auvergne volcanoes between the Cantal mountains and hills Dores. Cottage built on the banks of a beautiful lake, and quiet surroundings guaranteed. You will spend unforgettable…Located 18.5 km away of Besse-et-Saint-AnastaiseFavouriteCompareLe Baladou8.41House for 4 people in Saulzet-le-Froid60 m², 2 bedrooms400 € per weekCottage country, stone, completely renovated with lots of charm and comfort, a 1100 m altitude, adjoining the owner's house in the countryside and small village. Ideal for hikers, bikers and nature lovers.Located 14.6 km away of Besse-et-Saint-AnastaiseFavouriteCompareLes Gîtes de la vigne grandeSPECIAL OFFER9.62Chalet for 7 people in Saint-Floret60 m², 3 bedrooms360 € to 680 € per weekDanny and Roger welcome you in one of their three totally independent cottages, a 3-star comfort, situated on a plot of 2200 sqm, facing south, 800 meters from one of the most beautiful villages in France, St -Floret, in the beautiful valley…Located 13.2 km away of Besse-et-Saint-AnastaiseFavouriteCompareGîte du Dauphin d'OrNEWHouse for 8 people in Saint-Floret120 m², 3 bedrooms450 € to 800 € per weekCharming old farmhouse renovated with taste. In the municipality of Saint- Floret, 'most beautiful village in France ', you will enjoy the comfort of this cottage and all the attractions nearby: outdoor activities, cultural visits, gastronomy,…Located 11.7 km away of Besse-et-Saint-AnastaiseFavouriteCompareHouse for 3 personHouse for 3 people in Saint-Alyre-ès-Montagne55 m², 1 bedroom230 € to 275 € per weekSmall furnished holiday home, comfortable in the hamlet of Auzolle (es st alyre mountains 63) Auvergne. Independent and fenced, separate shower and toilet private garage. Pets allowed.Located 12.2 km away of Besse-et-Saint-AnastaiseFavouriteCompareLes CaméliasNEWApartment for 4 people in Mont-Dore30 m², 1 bedroom330 € to 475 € per weekLes Camélias hsa 6 self-contained apartments of various sizes and layouts. Our Puy de l'Angle apartment is located on the second floor and has a private entrance. The apartment has everything you need for a pleasant stay. The kitchen is fully…Located 12.3 km away of Besse-et-Saint-AnastaiseFavouriteCompareVilla Lumière La Bourboule9.61Apartment for 3 people in La Bourboule20 m², 1 bedroom210 € to 300 € per weekHolidays in Auvergne. In the heart of La Bourboule, Sancy, Villa Lumière. Spas, skiing, hiking, fishing, park of Auvergne volcanoes, circuit cheese. Furnished apartments of 2 to 6 people. All facilities within 500 m: Spa, Park Fenestre Charlannes…Located 17.2 km away of Besse-et-Saint-AnastaiseFavouriteCompareRoussillou, Parc des Volcans d'AuvergneSPECIAL OFFER9.44Chalet for 5 people in Riom-ès-Montagnes34 m², 2 bedrooms249 € to 399 € per weekHoliday in a lake. In the natural park of the Auvergne volcanoes. The house is located on a volcano planèze Cantalien at 950 meters altitude, between lake and forest, wilderness, 2 kilometers above Riom-es -Montagnes. 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Public room with table tennis and table football.…Located 26 km away of Besse-et-Saint-AnastaiseFavouriteCompareCountry house with pool on 3000 m²NEWHouse for 6 people in Champeix115 m², 3 bedrooms800 € to 1300 € per weekDetached house of 115 m² on 3000m² of land, comfortable, tastefully decorated room for up to 6 personnes. La octagonal pool (7.80x7.80) is secure. The property is completely private clôturée. Parking. The house is close to all commerce. (5 minutes…Located 17.7 km away of Besse-et-Saint-AnastaiseFavouriteCompareJonquille101Apartment for 5 people in Saint-Sauves-d'Auvergne80 m², 2 bedrooms420 € to 580 € per weekLe Clos St Sauves is located at La Cluze, a small hamlet in beautiful untouched countryside, 3 km from the town of Saint Sauves. 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Ideally located in the quiet of the countryside but near the town of Issoire and a…Located 27 km away of Besse-et-Saint-AnastaiseFavouriteCompareGîte du figuier9.61House for 6 people in Orbeil45 m²250 € to 320 € per week5 km from Issoire, the cottage of the fig tree is in the village of Chauffour, common Orbeil. The house adjoining that of the owner, has a separate entrance. Terrace overlooking the garden with table and chairs. Many hiking trails from the cottage,…Located 28 km away of Besse-et-Saint-AnastaiseFavouriteCompareChalet de l'ArtenseChalet for 4 people in Cros30 m², 1 bedroom380 € to 460 € per weekCharming little cottage of 20 m ² to 10 m ² plus mezzanine, comfortable, fitted floor kitchen, bathroom with shower and toilet ; 1 sofa bed, 140 in the living room, and a 140 cm bed on the mezzanine. 10 m ² terrace with garden furniture. Overlooking…Located 24 km away of Besse-et-Saint-AnastaiseFavouriteCompareMaison de vacances à Lubières8.62House for 5 people in Vergongheon80 m², 2 bedrooms250 € to 350 € per weekThe house is located in the village of Lubiere it is accessible from the street fountains. The average altitude of the village is 420 meters. The house named 'The Leopaul' is a property more than a century that can accommodate up to 5 people,…Located 35 km away of Besse-et-Saint-AnastaiseFavouriteCompareGites de montagne fortunies18648.41House for 20 people in Dienne350 m², 9 bedrooms1746 € to 2609 € per weekIt is a renovated farmhouse in the highlands of Cantal, in Fortune. 2 Bed, 4 to 20 people. 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THE FINANCIAL CONDITION OF WOMEN ON THEIR OWN Stephen Brobeck and Catherine Montalto June 2008 Introduction There has been little research on female savings habits and adequacy. In part, this is because of the diverse household situations of women, ranging from women who live by themselves to those who are married with children. These diverse situations are paralleled by significant differences in financial condition, with married women tending to be more affluent than those who head their own households. These "women on their own" deserve special attention because they lack the financial advantages of a second income, which typically would be higher than their own because men tend to earn more than women. The purpose of this report is to use the Federal Reserve Board's latest Survey of Consumer Finances, the most accessible and reliable source of information about family finances, to analyze the savings habits and adequacy of "households with a female householder who is not married or living with a partner." In 2004, there were 31 million such households representing more than one-quarter (26%) of all households. Demographic Characteristics The 31 million women who head these households can be divided into three different groups -- those who never married (9 million), those who are divorced or separated (12 million), and those who are widowed (9 million). (All these figures are rounded off to the nearest million.) As Table 1 indicates, the never married tend to be young, with over half (51%) being under 35 years of age. The divorced or separated tend to be middle-aged, with over half (56%) being between 35 and 55 years of age. And the widowed tend to be old, with well over two- thirds (71%) being at least 65 years of age. Women on their own are disproportionately African-American, especially those who never married. Thirty-seven percent of women on their own who never married, and 21 percent who are divorced or separated, are African-American. Yet, only 13 percent of all households are African-American. Overall, women on their own are less likely to have dependent children than are other households. Fifty-four percent of all households, but 61 percent of those headed by women on their own, have no children. This is largely because 79 percent of widowed women on their own have no children. Yet, slightly more than half of divorced or separated women on their own (51%), and even 40 percent of those never married, have at least one dependent child in the household. Women on their own have less education than all household heads: For instance, more do not have a high school degree (19% vs. 14%), and fewer have a college degree (28% vs. 37%). Yet, this overall difference masks significant differences among the three groups of women, with 40 percent of the never married, 28 percent of the divorced or separated, and only 18 percent of the widowed having college degrees. In all probability these educational differences mainly reflect age differences: Young women are far more likely than older women to have a bachelor's degree. Age also helps explain differences in labor-force participation between women on their own and all household heads. The proportions of divorced or separated women and never married women who work full-time (57% and 62%) differ little from the proportion of all household heads who work full-time (63%). But because only 17 percent of widows work full- time, the proportion of all women on their own who are full-time workers is only 46 percent. Certainly the fact that a large majority of widows are at least 65 years of age mainly explains these relatively low percentages. Women on their own are much less likely to own their homes than are all household heads (54% vs. 69%). But this difference mainly reflects the fact that only 33 percent of never married women are home owners. The proportion of widowed women who are home owners is actually higher than that of all other household heads. Financial Characteristics The income of women on their own is significantly lower than that of all households -- $30,896 vs. $70,628 for average incomes, and $22,592 vs. $43,130 for median incomes. Somewhat surprisingly, as Table 1 indicates, the incomes of the three women on their own groups did not differ greatly: For instance, average incomes were $30,916 for the never married, $32,049 for the divorced or separated, and $29,386 for the widowed. However, there were significant differences in wealth among these three groups (Table 2). The median net worth of widows, at $100,800, was actually higher than that of all households, at $93,001. But the net wealth of divorced or separated women was much lower, at $30,400, while that of never married women was only $6,210. In fact, one-quarter of these never married had zero or negative net worth. The Consumer Federation of America is particularly concerned about the ability of households to pay for unexpected expenditures, such as car repairs, using their own liquid 2 financial assets. The proportion of women on their own with a savings or money market deposit account was somewhat lower than that for all households (48% vs. 58%). And in all three groups of women on their own, less than half had savings accounts. Equally significant was the fact that never married and divorced or separated women with these savings typically had much less than all households -- $1,100 and $1,600 respectively versus $5,000. For these two female groups, liquid savings was less than the savings they thought they needed for emergencies and other unexpected events -- $2,000 for the never married and $2,500 for the divorced or separated. Savings Habits Most women on their own have saved much less than other households. One reason appears to be differences in savings habits: As Table 3 reveals, women on their own are less likely to save regularly and at all. Thirty-three percent of women on their own, but forty-one percent of all households, say they "save regularly. And 33 percent of women on their own say they "don't save," while this is true for only 24 percent of all households. The fact that widows are much less likely to save or save regularly accounts for some of this difference but not all of it. Women on their own are also less likely to have long planning horizons. Forty-two percent, but only 33 percent of all households, identify this horizon as a year or less, while only 29 percent of the women, but 39 percent of all households, say this horizon is at least five years. Certainly the savings habits and realities for women on their own reinforce each other. Since their incomes are lower, they probably find it more difficult to save and, thus, save less than other households for emergencies and other savings goals. With less adequate liquid savings for unexpected expenditures, they are more likely to have shorter financial planning horizons. Conclusion Women on their own have significantly lower savings and wealth than do other households. The 21 million never married, divorced, or separated women are at a particular disadvantage financially because they hold far less wealth than do widows and all other households. An important reason for this wealth gap is significant differences in income among adults under the age of 65. Another reason is differences in home ownership: The never married, divorced, or separated are far less likely than widows and other households to own their own home. Other research suggests that one's home represents by far the most important source of wealth for low- to middle-income households. Are women on their own doomed to be low savers and wealth-builders? Not at all, for the savings habits of these women vary considerably. For example 38 percent of the never married say they save regularly yet another 34 percent say they do not save. This large difference is also true for divorced or separated women. 3 We do not have data that allow us to analyze these differences with any precision. But we do know, from other research, that a large majority of all women on their own can save regularly and that this saving is made easier by using automatic savings mechanisms such as payroll contributions to 401(k) and other savings accounts and by asking one's bank or credit union to automatically transfer funds, each month or pay period, from checking to savings. 4 Table 1. Characteristics of All Households and Households with a Female Householder Who Is Not Married or Living With A Partner, 2004 Survey of Consumer Finances (column percents) Households with a Female Householder Who Is All Not Married or Living With A Partner1 Households Divorced/ Never Characteristic Total separated Widowed Married Age of respondent Less than 35 years 22.19 20.13 11.71 0.67 51.38 35 to 44 years 20.62 17.83 25.75 1.74 23.85 45 to 54 years 20.77 17.83 30.43 5.96 13.26 55 to 64 years 15.24 15.24 16.19 20.99 8.06 65 years and over 21.19 28.97 15.92 70.63 3.46 Education of respondent Less than high school 14.43 18.94 14.51 32.11 11.28 High school graduate 30.60 30.22 31.48 32.30 26.39 Some college 18.37 22.63 26.75 17.53 22.39 Bachelor's degree 36.61 28.21 27.75 18.05 39.94 Race/ethnicity of respondent White nonhispanic 71.82 65.32 64.37 79.77 51.71 Black nonhispanic 13.41 24.00 20.84 15.68 36.78 Hispanic 11.17 8.44 11.35 3.17 9.98 Nonhispanic, other races 3.61 2.24 3.45 1.37 1.53 Marital status of respondent Married 57.97 -- -- -- -- Divorced/separated 16.82 39.63 100.0 -- -- Widowed 10.44 30.63 -- 100.0 -- Never Married 14.78 29.74 -- -- 100.0 Total household income First quintile 20.21 42.49 36.86 47.80 44.53 Second quintile 20.12 25.86 28.10 27.24 21.47 Third quintile 19.79 20.10 21.65 15.88 22.37 Fourth quintile 19.74 8.27 9.18 6.76 8.61 Fifth quintile 20.15 3.28 4.21 2.32 3.03 Housing tenure Home Owner 69.05 54.44 55.97 73.41 32.87 Renter 30.75 45.56 44.03 26.59 67.13 Labor market behavior of respondent Employed full-time 62.83 46.10 56.88 16.74 61.98 Employed part-time 9.06 12.92 12.07 8.48 18.61 Not in the labor force 28.10 40.98 31.05 74.78 19.42 Family size One person 30.65 64.90 52.64 85.51 60.00 Two persons 33.39 17.56 21.74 9.18 20.61 Three persons 14.82 10.66 17.34 2.14 10.54 Four or more persons 21.14 6.89 8.29 3.17 8.85 Number of dependent children in the household None 54.45 61.64 49.26 79.39 59.84 One child 19.48 19.50 23.55 12.84 20.96 Two children 15.46 11.56 19.19 2.68 10.54 Three or more children 10.62 7.30 8.00 5.09 8.66 Household receives welfare assistance2 7.70 16.95 18.62 11.15 20.71 Household receives Social Security benefits3 31.19 40.78 28.46 86.68 9.93 Age Mean 49.56 52.82 49.95 72.21 36.67 48 52 49 75 34 5 Households with a Female Householder Who Is All Not Married or Living With A Partner1 Households Divorced/ Never Characteristic Total separated Widowed Married Median Family size Mean 2.26 1.60 1.81 1.23 1.68 2 1 1 1 1 Median Number of dependent children Mean 0.88 0.70 0.92 0.38 0.72 0 0 1 0 0 Median Total annual household income Mean $70,628 $30,896 $32,049 $29,386 $30,916 $43,130 $22,592 $25,673 $19,511 $23,619 Median SOURCE: 2004 Survey of Consumer Finances (SCF04) represents 112.1 million U.S. households. All statistics calculated using the SCF final nonresponsive-adjusted sampling weights (X42001) 1 Subsample of households with a female householder who is not married or living with a partner represents 30.6 million households: 12.1 million households with a divorced or separated female householder 9.4 million households with a widowed female householder 9.1 million households with a never married female householder 2 Household received ADC, AFDC, food stamps, or other forms of welfare or assistance such as SSI 3 Household received income from Social Security or other pensions, annuities, or other disability or retirement programs 6 Table 2. Net Worth, Financial Assets and Savings Accounts for All Households and for Households with a Female Householder Who Is Not Married or Living with a Partner, 2004 Survey of Consumer Finances (column percents) Households with a Female Householder Who Is All Not Married or Living With A Partner1 Variable Households Divorced/ Never Total separated Widowed Married Net worth Median net worth (including zeros and negative values) $93,001 $32,850 $30,400 $100,800 $6,210 Percent of households with positive net worth 91.10 84.40 83.79 94.73 74.58 Percent of households with net worth equal to zero 1.76 3.60 3.69 1.49 5.64 Percent of households with negative net worth 7.14 12.00 12.52 3.79 19.78 Net financial assets Median net financial assets (including zero values) $18,300 $4,000 $3,240 $10,100 $2,100 Percent of households with positive net financial assets 93.81 90.55 92.62 92.13 86.17 Percent of households with net financial assets equal to zero 6.19 9.45 7.38 7.87 13.83 Savings accounts or MMDA Median value of accounts for those with savings or MMDA $5,000 $2,200 $1,600 $5,000 $1,100 Percentage of families with savings accounts or MMDA 57.65 47.84 49.89 46.11 46.89 Funds for emergencies Median level of savings perceived needed for emergencies and $5,000 $2,400 $2,500 $4,000 $2,000 other unexpected events Percent who could get emergency financial assistance of 65.79 54.79 52.74 59.17 53.03 $3,000 or more from any friends or relatives who do not live with the respondent 7 Table 3. Opinion and Expectation Variables of All Households and Households with a Female Householder Who Is Not Married or Living With A Partner, 2004 Survey of Consumer Finances (column percents) Households with a Female Householder Who All Is Not Married or Living With A Partner1 Variable Households Divorced/ Never Total separated Widowed Married Planning horizon for saving and spending Next few months 19.20 26.10 28.61 25.17 23.73 Next year 14.00 15.58 12.59 17.68 17.39 Next few years 27.77 29.76 26.81 34.52 28.78 Next 5-10 years 25.72 19.18 21.23 17.16 18.54 Longer than 10 years 13.32 9.38 10.77 5.47 11.56 Saving habits Don't save – usually spend more than income 7.04 10.38 11.52 8.97 10.30 Don't save – usually spend income 16.48 22.37 22.24 22.49 22.43 Save whatever is left 30.42 31.59 30.42 37.95 26.61 Save income of one earner 2.30 0.67 0.19 0.67 1.30 Save transitory income; spend regular income 4.85 3.96 3.59 5.03 3.37 Save regularly 40.76 32.77 33.63 26.64 37.93 Relationship between spending and income Spending greater than income 15.41 20.92 21.53 19.68 21.39 Spending equal to income 28.50 38.05 38.47 39.43 36.08 Spending less than income 56.09 41.02 40.00 40.90 42.53 8
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Cutting-Edge: Modern Hungarian Glass
We are delighted to present our first ever modern Hungarian glass exhibition, curated by Attila Sik from Prisma Gallery, Birmingham. Cutting-Edge showcases 16 contemporary Hungarian glass artists, representing both emerging makers and established artists such as Zoltan Bohus and Laszlo Lukacsi. There is a broad range of technical skill and innovation within Cutting-Edge, as well as a wide variety of expression including abstract and narrative works combining both traditional and new technologies. The show aims to highlight the diversity within the field and to explore the unique properties that makes Hungarian glass so distinctive and on a par with the best of Czech, Italian and Scandinavian glass. Cutting-Edge therefore offers a unique opportunity to engage with a range of high end work from Eastern Europe.
Exhibiting glass artists: Zoltan Bohus, Peter Borkovics, Peter Botos, Istvan Czebe, Gyorgy Gaspar, Laszlo Hefter, Zsuzsanna Korodi, Maria Lugossy, Laszlo Lukacsi, Mihaly Melcher, Balazs Sipos, Agnes Smetana, Margit Toth, Dora Varga, Zsuzsa Vida, Hajnalka Virag.


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Mount Pocono Jobs
Looking for jobs in Mount Pocono? Snagajob has great opportunities with the area's leading companies. And applying for Mount Pocono jobs has never been easier. Look at the job listings below, click on a job title that interests you and hit the "apply now" button. Part-time jobs, teen jobs, student jobs and summer jobs are now just a click away. Start your job search now.
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Duke University Interview Questions
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I applied online. The process took 2 weeks – interviewed at Duke University.Interview Details
Duke PhD recruiting is different from other graduate programs. Doesn't matter how qualified you are, they match you with a professor... if there's no match, you won't get in. If you get the interview (campus visit), you're basically already in.Interview Questions
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Previous Concerts by The Canterbury Orchestra - 2006
Saturday 17th December 2006 at 3:30pm
St. Mildred's Church, Canterbury
|A Journey to Christmas
|Overture - Lustspiel
|Keler Bela
|Les Patineurs (Skater's Waltz)
|Emil Waldteufel
|A Reading
|In a Persian Market
|Albert Ketelbey
|Oxford Street (from London Again Suite)
|Eric Coates
|Mary Poppins Selection
|Richard Sherman & Robert Sherman
|A Reading
|A Dream of Christmas
|Albert Ketelbey
|We Three Kings Of Orient Are
|A Christmas Festival
|Leroy Anderson
|O, Come All Ye Faithful
|I'm Dreaming of a White Christmas
|Irving Berlin
|We Wish You A Merry Christmas
Soloist: Sue Chivers (Soprano)
Readings: Ken Pickering
Saturday 25th November 2006 at 7:30pm
St. Peter's Methodist Church, Canterbury
The Music of Mozart
Celebrating the 250th anniversary of Mozart's birth.
|Overture to Don Giovanni
|Piano Concerto No. 24 in C minor
|Symphony No. 35 in D (The Haffner)
Soloist: David Rudduck (piano)
Conductor: John Myhill
Leader: Roberta Johnson
Saturday 10th June 2006 at 7:30pm
King's Hall Theatre, Herne Bay
Faces of Mozart
Celebrating the 250th anniversary of Mozart's birth
|Overture II Seraglio
|Mozartiana: from Suite 4
|Variations to Variations and Rondo ala Turca
|Mozart arr Myhill
|Symphony No. 41 in C major (Jupiter)
Soloist: Nick Peck (piano)
Saturday 18th March 2006 at 7:30pm
St Mary the Virgin, Ashford, Kent
Concert in Ashford Parish Church
|Mendelssohn's Violin Concerto
|Schubert's Overture Rosamunde
|Beethoven's Symphony No. 4 in B flat
Soloist: Floriane Peycelon
Next Concert
The Romantics
7:30pm Saturday 28th March, Colyer-Fergusson Hall, University of Kent
Tickets £12 full and £5 students and children available from the Gulbenkian Box Office
This year's Spring Concert features three powerful and well-loved pieces from the Romantic period presented in the traditional format of overture, concerto and symphony; all of the pieces were composed over a 10 year period around 1870 and all have made a lasting mark on western music. The programme begins with Tchaikovsky's Romeo and Juliet which, though styled an 'Overture-Fantasy' by the composer, has many of the characteristics of a symphonic poem with different themes representing the lovers and the warring Montagues and Capulets. This is followed by Grieg's famous A minor Piano Concerto, which has an interesting link to our previous concert; Grieg was greatly influenced by hearing Schumann's piano concerto, performed by Clara Schumann and the two works are often compared. It is one Griegs most important early works and one of his most popular, making considerable use of Norwegian folk material. Borodin's B Minor Symphony also has elements of the prevailing 'nationalism' in art music of the period using Russian folk themes and representing important cultural events. The symphony took several years to write given the composers day job as a Professor of Chemistry at St Petersburg , and the interpolation of the writing of Prince Igor and Mlada -- both of which are echoed in passages of the Symphony.
Interested in playing with the Canterbury Orchestra?
Call Nicky Pound, Canterbury Orchestra Manager on 01304 812755 or email us to find out whether we have vacancies.


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Getting into shape is more than just hitting the gym or eating right -
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21 December 2012 7:24 PM, PST | TVLine.com | See recent TVLine.com news »
It's going to be a blue Christmas for Leverage fans.
TNT announced late Friday that it has officially pulled the plug on the drama after five seasons; its series finale is set to air on Dec. 25.
"Leverage has thrilled audiences with its delightfully intricate plots, its stand up for the little guy attitude and its terrific performances from stars Timothy Hutton, Gina Bellman, Christian Kane, Beth Riesgraf and Aldis Hodge," a TNT rep said in a statement. "But after five wonderful years, it's time to say goodbye. Leverage will come to a close on Christmas at 10 pm, with »
- Michael Ausiello
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2010 Mercedes-Benz ML550 Repair and Maintenance
A guide to problems, costs, maintenance and repair for your 2010 Mercedes-Benz ML550
- South Side Auto Service Inc. (718) 305-4810 | 7.91mi
- Ray & Dana's Inman Auto Care (732) 703-7919 | 3.46mi
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2010 Mercedes-Benz ML550 Problems
The supplemental restraint system (SRS)/airbag light may illuminate due to damaged wires in the steering column. Any damaged wires should to be repaired and protected as necessary from further damage.
The transmission drive selector module may fail resulting in the loss of gear selection capability. This condition can leave the vehicle stranded, and will require replacement of the drive selector module.


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Arizona Cardinals
Arizona Cardinals ranked last in Twitter followers among NFL teams
These days, the adage that winning breeds popularity might not apply to only ticket sales and merchandising profits in the sports industry.
With organizations now extending their respective brands to social media outlets like Facebook, Twitter and Instagram, popularity can now be measured in terms of likes, photo comments and total followers.
It's an area that the Arizona Cardinals are apparently struggling with at the moment.
According to an online survey put out by the Wall Street Journal, the Cardinals are currently ranked dead last in Twitter followers among the NFL's 32 teams. At the time of the poll, Arizona had just 44,245 followers -- nearly 25,000 less than the next team on the list (Jacksonville Jaguars).
It seems the Cardinals aren't the only local team in town struggling to attract online popularity, though.
The least-followed teams are typically small-city losers�or are in Arizona. When it comes to Twitter followers, the Cardinals, Coyotes and Diamondbacks rank in the bottom three in their respective sports.
Being savvy with social media doesn't necessarily translate to on-field performance, however. While the New England Patriots (556,859 followers) were ranked No. 1 on the NFL list, the New York Jets and Dallas Cowboys also made the top 3. Both teams failed to make the postseason in 2011 and 2012.
It should be noted, that several Cardinals players have adjusted just fine to social media on an individual level. Larry Fitzgerald (1,503,558 followers), Darnell Dockett (171,936 followers) and Jay Feely (70,837 followers) have each in their own right become fan favorites on Twitter.
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Cardinals Audio
- Daniel Jeremiah- NFL Network analyst - Friday March 27Daniel Jeremiah could see the Cardinals drafting a running back in a round after the first round.
- Kevin Guy, AZ Rattlers head coach - Friday March 27Coach Guy talks about losing players to the NFL and the challenges the Rattlers face this season.
- Charles Robinson, Yahoo! Sports NFL reporter - Tuesday March 24Charles Robinson believes that Adrian Peterson's relationship with the Vikings will only get worse.
- Sal Paolantonio- ESPN NFL analyst - Tuesday March 24Bruce Arians told Sal Paolantonio that there are "no serious discussions" about trading for Adrian
- Herm Edwards, ESPN NFL insider - Tuesday March 24What are the chances Adrian Peterson plays for the AZ Cardinals this season?