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One million dollars may not be enough to buy you a spot on Lifestyles of the Rich and Famous, but it's still a life-changing amount of money. With $1 million, a paid-off home, no other debts, independent children, and reasonably good health, it's possible to live a long, reasonably comfortable retirement in most parts of the country.
For most of us, however, that $1 million seems like a very tough target to reach. With median household incomes around $50,000 per year, hitting that magic million-dollar target would require socking away some 20 years' worth of that typical income.
On its surface, that seems preposterous, especially after taking taxes and the basic costs of living and raising a family into consideration.
Yet as crazy as that $1 million target may seem, it's actually possible to reach for nearly anyone with steady work and the discipline to consistently sock away a little bit every month.
Here's How
If you've got access to a 401(k), 403(b), or other employer-sponsored retirement plan, the discipline to reach a million dollars in savings is just a few signup forms away.
Sign up for automatic paycheck deductions. Add to that automatic investment both the immediate tax deduction from contributing to a "traditional" 401(k) type plan -- and potential for an employer match -- and that path to $1 million gets even easier.
When you also include a healthy dose of time to save and potential returns you can get on your investment, becoming that future millionaire becomes downright achievable.
Indeed, if you start early enough and earn strong enough returns, you may be able to get away with needing to save only a small fraction of that $1 million. Time -- and rate of return -- will take care of the rest.
As the table below shows, there's a very clear trade-off between the rate of return you earn, the amount you can put away each month, and the time it takes to reach that $1 million mark:
Monthly Savings | Annual Return Rate | Years It Takes to Reach $1 Million | Total Lifetime Amount Saved | Percentage of a $50,000 Annual Income |
$100 | 10% | 44.5 | $53,500 | 2.4% |
$200 | 8% | 44.3 | $106,600 | 4.8% |
$400 | 6% | 43.5 | $208,800 | 9.6% |
$600 | 4% | 47.1 | $339,600 | 14.4% |
$800 | 10% | 24.5 | $235,200 | 19.2% |
$1,000 | 8% | 25.5 | $307,000 | 24% |
$1,200 | 6% | 27.4 | $396,000 | 28.8% |
$1,416 | 10% | 19.4 | $329,928 | 34% |
Source: Author's calculations.
All of those "monthly savings" amounts are reachable within a typical 401(k). That $1,416 monthly amount works out to about $17,000 per year, the 2012 contribution limit for those under 50. While it's true that those able to sock the most away generally hit that $1 million mark the soonest, check out the numbers near the top of the table.
Related Stories
If you start early enough and sustain a strong enough return, you can reach that $1 million mark within an ordinary lifetime of working , even by saving a mere $100 a month -- or about 2.4% of that $50,000 income. That's less than $4 a day, which should be well within the realm of possibility for most people who are truly dedicated to improving their futures.
Use "Other People's Money"
Even better, it's likely that you won't even have to come up with that $100 a month all on your own. Indeed, it could potentially cost you about half as much. Effectively, you'd be instantly doubling your investment if you're in the 25% tax bracket and benefit from a 50% employer match. The table below shows how $100 can be added to your account while it would only cost you $50 in spending money:
Contribution Amount | $66.67 |
Employer Match (50%) | $33.33 |
Total Added to Account | $100.00 |
Tax Savings (25% bracket) | $16.67 |
Out-of-Pocket Cost: | $50.00 |
That less-than-$4-a-day cost to hit that $100-a-month target just became less than $2 a day in foregone spending, to get you from $0 to millionaire status within a typical working lifetime.
And when you consider that the money can come straight out of your paycheck so that you'll never miss it -- it becomes pretty obvious that there's really no easier way to reach $1 million.
Late on rent? Can't fill your car with gas to get to work? Assuming all available funds and traditional sources of credit are tapped out, here are 25 ways to raise cash in a few days. Keep in mind, while all of these ideas are legal, some of them are not something we would encourage. From being an Amazon Mechanical Turk to banking your sperm we share DailyFinance's 25 ideas for raising cash in a hurry in order of the least to the most desperate.
Sell Your Body Parts: Plasma, Hair And Breast Milk
In a truly free market economy, you'd be worth a lot of money in organs alone -- selling a kidney or lung could solve your money woes. However, the government and our sense of propriety permit you to only cash in on plasma, hair and (maybe) breast milk.
You can legally trade plasma for cash in the U.S., the fluid in which your blood corpuscles and other tiny bits circulate through your blood system. In most larger cities, there are clinics that will pay you up to $35 or so for some of your plasma, which you can donate twice a week. The process, which involves taking blood, draining off the plasma and returning the remains to your system, takes around half an hour to an hour. To donate, you'll need to be relatively healthy and drug free.
The hirsute can also make some quick cash by selling off their hair. Hair must be at least ten inches long, and uncolored. Well tended (not over-shampooed or sun damaged) hair is worth more. Web sites such as The Hair Trader serve as a market for those looking to sell or buy hair. Sales announced on the site range from several hundred to over a thousand dollars for a generous length of tresses.
Finally, some mothers who find themselves with an overabundance of breast milk have taken to offering the extra for sale on the Internet. However, the trade, of questionable legality and fraught with health issues, remains rather clandestine and we can't recommend it, even in a pinch.
Offer To Watch Children, Pets, or House-sit
You're out of cash. What do you do? Hit up Moms and Dads.
No, not your mom and dad, silly. Moms and Dads; those worn-out individuals with small children under five who barely remember what it's like to go to a restaurant and not spend the evening quelling tantrums and wiping up spilled water.
There are a lot of part-time jobs you can get in order to turn a quick buck, but exercising the babysitting option is one of the most immediately lucrative. Reliable babysitters are in high demand. You can almost name your price.
Babysitters earn upwards of $15 an hour these days. Offer to sit for friends' kids Friday or Saturday night. The parents will be only too happy to hand you cash when they return.
Other quick cash options? House-sit for friends of friends (friends by definition, will expect you to feed their cat and take in their mail for free. People you only know by association won't).
Collect Your Change
Everyone's living quarters are different, of course, but there's a certain (rather obvious at first) list that everyone should go through first.
Your bed stand. Don't most of us have a little spot where we put money, after we toss off our clothes at the end of the day? But, sure, there's probably nothing there, because you've already raided this.
Hone in on your home office. Have one? It seems like another natural place where you might have stuffed a few bills or coins aside at one point.
Survey your sofa. Underneath those cushions, where pocket change slides out and drops into the crevasses of your couch, is often, quite literally, a gold mine. And possibly half of a melted Hershey's bar. You really do need to get down here more often.Linger in your laundry room. Another favorite place of wayward dollars and cents. Chances are you, a spouse or some other significant other, has taken some money from the pockets and put some money aside. Or maybe a quarter or wadded up dollar is in the machine right now, like a mob of people at an American Idol audition waiting to be discovered.
Check the car. Most of us have a little spot in the car where rogue coins wind up, when we don't have time to put them in a pocket or purse. They sometimes wind up under the car seats. You probably have something here.
The junk drawer. Everyone has one. I guarantee you have a few coins in here, unless you raided this recently. And again, perfect time to clean this out.
The kitchen. Chances are, your junk drawer is in here, or your jar of coins, which you've already thought of or taken from, but what about looking underneath or behind the refrigerator? Can anything fit under the oven? You can clean these behind or underneath these appliances and possibly find some money at the same time. And while you're here, what are you using this spare money for? Groceries? Then, of course, rifle through the coupons. That's money right there, or a way to make the money you do find go farther.
Your bedroom closet and laundry hamper. Go through the pockets of the clothes, clean and dirty. Some money has to be in there somewhere.
Read about Crazy places people hide money
Sell Stuff On Craigslist
A yard sale has its shortcomings. What if you don't have a lot of items, don't want to sit by your garage all day, or depend on local neighbors as your customers? A good alternative is to make use of Craigslist, which has become a great internet site for buying and selling almost anything legal- furniture, bicycles, musical equipment, housewares, art, and whatever. Over 40 million people use it every month.
Each fair-sized community has its own place on Craigslist, where sellers can post goods (free of charge) for sale. Unlike Ebay, Craigslist only acts to hook you up with the seller; it does not take a role in the transaction. And since most transactions are local, they are done face to face, reducing the chance for fraud or misleading offers. Since the deals are done in person, you get your money immediately, unlike the Ebay process.
Take a look at your community's Craigslist to get a sense of the going prices for various goods. You may even see items for sale that you never considered turning into cash. With the economic slump, There has been a large boost in Craigslist sellers and scammers, so be persistent and careful. Those who keep reposting their sales items are the ones that make out best.
Return Past Purchases
Taking recently-purchased items back for cash is really one of the most efficient ways of making quick cash.
Not only are you typically able to get your full purchase price back if you have a receipt (except for some categories like electronics, for which stores often charge a "restocking" fee); but you'll reduce your stuff and pay penance for your spending habit, too.
Of course, if you've made your purchases with a credit card, you'll only get a credit, and a good thing, too -- buying items on credit and taking them back when you need to pay for your power bill is an indication that you're buying too much on credit! Try cutting up your credit cards and only paying for purchases with debit. Then you'll have a simultaneous benefit: the ability to get cash if you need it, and the sobering influence when every purchase you make has an immediate impact on your available funds.
Recycle Scrap Metal
One way you can get some quick cash is to sell scrap metal to your local salvage yard or recycling center. One DailyFinance blogger's co-worker bought a used camper for just over $600 and took his old one to get scrapped. The scrap value of his camper almost paid for his new camper purchase.
We want to focus on the legal ways to get some money from scrap metal so first we need to find some. If you are remodeling or have unused copper pipes in your house it may be worth pulling them out and heading to the salvage yard. If pipes are out of reach, check out your garage, basement or shed, where I am guessing you can find something to salvage. This endeavor may be especially profitable if you have been something of a packrat in this metal treasure trove of yours.
Don't have a room or building full of old odds and ends at your disposal? You can still get in on the salvaging action! The first places to check are any refuse areas around your neighborhood, where you can look for discarded metal objects. If dumpster diving disgusts you then, look at your neighbor's property. Do they have an old swing set nobody uses or a garage packed full of "junk"? If so you can either be upfront and split the profits with them under the pretense that you'll do the heavy lifting, or you can offer to "clean up" their garage as a neighborly favor!
Of course there is another metal you can sell. Read about Is Now the Time to Sell Your Gold?
Start Your Own Part-Time Business From Home
Married couple, Jacob and Susan D'Aniello, began their own pooper scooper business. Their small start from working out of their home turned into a multi-million dollar franchise called DoodyCalls. In the beginning, it was just them, a bag, a little shovel... They started the business when they were dating and basically fell in love over canine feces, and while the business became complicated, in the beginning, it only involved a little time, some exercise and then collecting the fee a short time later.
If you're skilled with computers, you could set out a shingle and become a part-time computer repair-person. If you know how to cook, you could start to run a catering business out of your home (but check with your state; preparing food for the public out of your own kitchen can sometimes run afoul of the law).
If you want to get some quick cash, certainly there are limitations to what sort of business you can begin. If you need a lot of inventory, you're going to have to spend money to make your money. But if you're going to do something that takes your skill, talent or knowledge, you can bring in cash quite quickly. No matter what, though, provided you enjoy what you're doing, if you start a business, whether you're successful or not, it's always rewarding.
If you already have a job, before taking a leap into your own business for extra cash, why not ask your boss for a raise? Read: 3 Ways to Negotiate A Better Salary -- Even In A Recession
Rent Out Your "Spot"
If you own some prime parking real estate, you could put cash in your pocket and get more exercise by renting out your spot and parking further away. If access to your car is less convenient, perhaps you'll drive even less, saving money on gas too.
Blogger Anne Gelhaus writes of her own experience:
" I had two parking spaces and one car. My upstairs neighbors had two parking spaces and three cars. So when Joe asked me if he could park his truck in my "guest parking" space, good-neighbor math indicated this was the best course of action.
A couple months later, I found myself on the other side of the equation, in desperate need of a small loan to see me through until payday. I knocked on Joe's door, put on my best "cuppa sugar" smile and made my request. Joe handed me a couple sawbucks, saying, "Don't worry about paying me back. Consider it rent for the parking space."
With those words, a beautiful, mutually beneficial relationship was born. Joe and Rebecca continue to use my extra parking space and so no longer have to park their third vehicle on the street, where it was broken into several times even before the current rash of catalytic converter thefts and gas siphoning. I, in turn, get occasional bump-up to my wallet for doing something I would have done for free anyway."
Read: For Sale: New York's First Million-Dollar Parking Spot
Take A Part-Time Job
Most part-time jobs aren't what they're cracked up to be, when it comes to getting paid quickly. If you flip burgers at a fast food chain or become a retail clerk -- it's probably going to be two weeks, at best, before you receive that first paycheck, and there are circumstances where it'll work out to three or four.
When you need cash sooner than that, look for jobs that offer immediate money in your pocket, like one that includes tips. Bartending and waiting tables are two tried-and-true examples. Other quick jobs that you can do to bring in tips are taxi driver, hotel hospitality positions, pizza deliverer, or you could pull out your old guitar and becoming a street performer.
Make Stuff To Sell
Think of the proverbial lemonade stand, but all grown up. When DailyFinance blogger Sarah Gilbert is entirely broke, she'll get out her sewing machine and make her favorite quick project: stuffed geese (made out of thrifted fabric). They sell like crazy on Etsy, an online shop devoted to crafty vendors, and is her go-to-plan when the well runs dry and she needs to bring in some quick cash.
Another category of handmade items that sell especially well is soaps and perfumed or infused oils, although these typically take a little longer to make. Especially talented friends make great money selling their handspun yarn or knitting patterns. The potential for turning your favorite craft into quick cash is only limited by your imagination; but remember to test the market for an item first.
Selling crafts is a fantastic way to make quick money (as long as you don't get too hung up in your hourly wage), especially for an at-home parent or someone with a lot of time gaps in your day. However, it's typically not a great way to earn a living -- there's a fine line between enjoying your skill with handicraft and turning your sewing room/pottery wheel/workbench into a sweat shop.
Read more about how art jobs pay little in money, but a lot in happiness: Love, Jobs, But Not Much Money, for Art Graduates
Find An Online Gig
The Internet is a great place to make some extra cash, or at least that's what all the pop ups I got last night said! Thankfully Amazon offers a legit method of raising some extra coin online for completing mundane tasks.
To start you just need to sign up with Amazon's Mechanical Turk program, where companies post tasks that machines cannot easily do, but that are relatively simple for humans. You can choose an assignment, and, on completion, are credited with payment to your Amazon account. This money can be withdrawn once you accumulate $10. However, these payout amounts are much lower than the many online ad programs or survey sites which greatly increases the chance that you'll eventually see the fruits of your labor. As I check out the current HITs which I qualify for I find over a hundred of them, ranging from free up to $7, but most seem to measure in cents.
If you have a lot of time or you feel comfortable "turking" on your employer's dime then this program could be a good way to make enough money to bankroll your entertainment needs or cover groceries for a week. While this is a relatively easy way to earn money, the time and effort needed to reach a reasonable amount holds this back from being an amazing opportunity. This is a good deal if you aren't easily bored and you have the ability to quickly handle simple tasks. But for most people, you'll start off full of gusto and end up with 28 cents in your account.
You can read more about temporary online gigs and crowdsourcing: College Student's Guide to Making Money Online
Hold a Yard Sale
How much money can you raise at a yard sale? It depends - on what you have to sell, where you are selling, the weather, advertising, the competition.
A few tips:
1. Be realistic. If you are selling an item in almost new condition, don't expect to recoup much more than 25% of the original retail price, less if it shows wear and tear. If the item is actually what dealers call, "mint in box," then you might see 50% but consider any offer.
2. You can reduce advertising costs and increase traffic to your sale by running a multifamily or block sale. Make sure to run ads in local newspapers, and if your town allows, post signs. Specify big ticket items in your ad (child's bedroom set, water skis) but include enough broad categories to attract the general yard sale shopper.
3. Check with your town or city hall to see whether you need a permit.
4. Price in advance, open early, have small bills and change available, and if you can handle it, let the early birds shop. Consider cutting your prices in the last hour(s) of the sale.
5. Enjoy yourself. Make it pleasant for people to buy from you. If an offer seems too low by all means counter-offer but don't be offended. You'll have a chance to make someone's day - possibly a child's - so don't miss the opportunity.
If this sounds like a good idea to you read further on Garage sale success in 10 easy steps
Seek Emergency Assistance
Private and public agencies that provide emergency assistance in cash are uncommon, and those that do usually restrict that largess to those well below the poverty level. However, many will provide other services and items that you would otherwise spend money on, so this charity could free up some dollars to apply to your other most pressing needs. Among the most common of these are food banks and open dining opportunities, help or waiver of utility costs, and clothing and other household essentials.
Your local government often has a person or office that acts as a clearinghouse for social services. Don't forget about churches and social clubs, too, who often have less formal outreach programs, especially for members in distress. You'd be amazed at the not-for-profit groups that are sitting on many thousands of dollars simply because no-one has asked them for some of it.
Asking for charity can take a big chunk out of your pride, but depriving your loved ones of necessities does too. Perhaps you can one day use this humbling experience as an inspiration to help others through their tough times. You'll find that giving does as much for the giver as the receiver.
If your income is low enough, you may also qualify for "food stamps" to help you until you are back on your feet. More than 46 million people receive food stamps, nearly half of them children. The average monthly benefit is $132 per person.
Benefit cards work like debit cards, allowing users to swipe them for food purchases at some 231,000 stores around the country that are authorized to take part in the food stamp program.
Become A Temp
Temping is good for the soul. As a temp, you quickly become aware of just how few intelligent, hard-working people there are out there. If you show up to work on time, take reasonably short lunch breaks, don't leave too early, and demonstrate even the slightest amount of energy and initiative, chances are that your employers will view you as the second coming of the messiah. In many cases, they will even offer you permanent employment. Also, temp jobs pay really well, although most temp companies don't provide benefits.
Another great thing is the glimpse that you get of the inner workings of companies. You can see how temp companies work, how transnational corporations work, how law firms work, how human resources departments work, and so on.
Sign Up For Medical Tests
Most large universities have ongoing medical research projects evaluating the efficacy of new medicines and treatments. As part of this evaluation, they often need 'volunteers' on which to test these medications. Since the pool of willing volunteers is limited, cash compensation for the volunteer's cooperation is sometimes provided, ranging from a few hundred dollars up to four figures.
The National Institutes of Health has 300 studies that need volunteers. The Rochester Clinical Research is looking for healthy volunteers to test vaccines. Just Google medical test volunteers for more.
Most studies are looking for reasonably healthy people. And, of course, this could be hard-earned money. The fact that you are a guinea pig means that there is at least a slight chance that, through you, the researchers will discover negative consequences of the medicine or treatment. On the upside, you'll probably receive a free physical.
Take in a boarder
Sharing living expenses can put more cash in your pocket. However, If you ask someone to move into your spare room -- or onto your couch -- draw up a lease agreement, even/especially if your prospective boarder is someone you know. Have conversations about how to share living space, particularly if, as in my case, you only have one bathroom. Make sure to outline kitchen privileges, including whether or not you want to share food.
Tap Into Your Life Insurance
Yes, you did buy that life insurance for a reason and you may have family members who would desperately need the proceeds in the event of your untimely demise. But if things are getting desperate now, you may be able to turn that policy into cash. And, no, you don't have to die to do it.
If it is "whole" or "universal" life (a type of insurance you buy to last your "whole" life and your heirs get the payout even if you live to 104), you pay higher premiums, but the insurance has a "cash value" that you can tap any time. All you have to do is call your life insurance company to access the money. It won't be much if you've only had the policy a few years, but at least you won't be paying premiums anymore. This is an option that you should only take if you are still fairly young and healthy, really desperate for cash and can't afford the premiums anyway.
Depending on how long you are expected to live, you can sell your policy for between 30% and 80% of the face value of your policy -- an amount that will be much higher than the cash value of a whole or universal life policy.
If you are interested, you can read some general information on viaticals from the National Association of Insurance Commissioners and peruse information on the website of the Life Insurance Settlement Association (LISA), a trade association for this industry that also provides lists of viatical settlement companies by state). General rules are to get quotes from several investment companies and watch out for high commissions.
Get A Payday Loan
If you're responsible with your money and know that you're facing less than two weeks of a cash short fall, borrowing $300 today in return for repaying $345 in two weeks may be a good idea. If you're the sort of person who has a continual spending or money management problem, this is the dumbest thing you could possibly do.
If you do feel like you have no other choice than to visit one of these establishments, make sure to take along proof of employment, which can be tricky if you're self-employed, but it's still possible -- just bring lots of documentation. Obviously, regardless of your work situation, take along a photo ID like your driver's license.
Sure, given the payday lending industry's reputation, it may not feel like the best road you can take. But it's a perfectly legal one. I'm still trying to figure out why payday lending is perceived as such a worse option than plastic, with its universal defaults and variable interest rates that can also, if handled improperly, destroy your credit.
Raid Your IRA
If you need quick cash, your retirement savings can look like a great place to find the lump sum you need, but tread carefully. There are lots of rules and if you don't qualify for an eligible withdrawal you'll have to pay a 10% penalty plus taxes on the money at your current income tax rate.
So suppose you need about $10,000 and are in the 25% tax bracket: in order to get that net amount you would need to withdraw $15,500. Of that amount 10% ($1,550) would go toward paying the penalty and 25% ($3,875) would go toward taxes, which totals $5.425. From that $15,500, you would be able to use $10,075. Let's say you think you will have enough to repay that money in a couple of years. Forget about it. You can't replace retirement funds you withdraw. You've lost the savings opportunity forever.
Now let's suppose you kept the money in the account and invested it for 20 years at a return rate of 8%. That $15,500 would be worth about $75,000. You must think about whether it Is really worth it to you to lose that savings opportunity or do you want to find another solution for getting the funds together.
These calculations are based on a 10% penalty, but you can avoid that penalty with certain types of withdrawals. All IRA withdrawals, unless you have a ROTH IRA, require that you pay income taxes at your current income tax rate on money you take out of the IRA.
Read more about 401(k) Loans. -
Pay A Visit To The Pawn Shop
Basically, pawn shops work like this: you bring in your items, which you offer up as collateral on a loan; in most cases, the loan will be about ten percent of the actual value of your item. If you agree to the loan, the pawnshop gives you a loan ticket.
At this point, you have three choices. One option is to buy your item back. To do this, you go to the pawnshop sometime in the course of the next month and pay back the loan with interest, which is usually somewhere around 20%. Your second option is to come back a month later and pay the interest on the loan, in which case you continue the loan for another month. Your final option is to let the loan expire, in which you keep the money and the pawnshop keeps the goods.
The positive aspect of the pawnshop lies in the loan. Unlike a payday loan or other short-term loan, you have already given up possession of the collateral, which means that, should you default on the loan, you will have nothing more to pay. You will not have to worry about interest on the loan compounding, driving you deeper into debt.
Another positive aspect of pawnshops is the impermanence of the transaction. Unlike a clear sale, a pawnshop loan allows you to regain possession of your item. Therefore, if your fortunes turn around, you will be able to get your stuff back. With Craigslist and eBay, once your stuff's gone, it's gone.
Finally, pawnshops are very convenient. While Craigslist and eBay will net you far more money for your possessions, getting the cash can take days, weeks, or even months. With a pawnshop, getting paid takes about as long as it takes you to cart your stuff down to the store. You don't have to worry about keywords, pictures, listing your item properly, fraudulent bidders, or any of the other headaches that accompany internet sales. You simply drop off your property, whine a little bit about how the pawnbroker is screwing you, grab your dough, and leave.
The downside is pretty obvious. If your precious possessions stay with the pawnbroker for over a month, he puts them on sale to recoup the cost of your loan. Chances are that he will be able to sell your stuff for a lot more than he gave you, which means that, once your month is up, you probably won't be able to buy your stuff back.
Bank On Your Sperm
Advertised sperm donation rates vary from $1 to $200 per week; most donors can expect somewhere around $40 per donation. Given that you can only deposit sperm every five days, your career as a sperm donor will probably only net you enough money to eat at McDonald's. Although, if you save carefully, your genetic material could translate into a sweet home theater system.
To begin with, sperm donation isn't a quick and easy, drop in, drop off, pick-up-your-cash type of deal. Among other minor irritations, it requires months of tests, a six-month to three-year commitment to a sperm bank, and no "liberation" of sperm when you're off the clock. Added to this is the fact that you will probably never know what happened to your children, although recent events are conspiring to strip away the cloak of anonymity under which many sperm donors have made their contributions to society. In other words, regardless of your position on the whole anonymity thing, sperm donation could end up being a little awkward.
That having been said, there is a desire for healthy sperm donors and the money is nothing to sneeze at, particularly if you're currently working your way through your ramen and tuna fish years. Unlike egg donation or surrogacy, the comparable options that are available to women, sperm donation is relatively non-invasive, albeit a lot less lucrative.
Set Up A Roadside Stand
Fellow blogger Amey Stone shared with me an excellent blog experiment on the potential for selling bottled water at a freeway exit, in which a blogger sold a case's worth of water in less than 30 minutes.
A friend who is in the wholesale flower business makes a point of disposing of too-old bouquets in a way that avoids further damage, knowing that people will pick up those discards and sell them at roadside.
Roadside sales can pull in some quick cash. Pick high-profit items that aren't highly perishable and/or have a high cost/sale price ratio; cold soda, corn, baked goods, flowers. Pick a location that is safe, where passersby can park without hazard, a location that has a good traffic flow, and one for which you have permission, or at least is not illegal. (Freeway exits are not usually legal sales areas.) You may be required to have a vendor's license, also.
Don't expect to get rich, or minimize the work involved. But if you really need some quick cash, roadside sales can help you over the hump. And it will leave you with more pride than those simply begging.
Scalp Some Tickets
So you're broke, and you need money, and it suddenly occurs to you that you are sitting on concert tickets to High School Musical: The Ice Show, or Taylor Swift. If the water dept. is threatening to cut you off for non-payment, scalping those tickets could save you from a dirty, smelly fate.
In circumstances such as this, a rational person will consider scalping the tickets to recoup their investment, or perhaps even realize some profit. However, proceed with caution. While it is generally legal to resell tickets for what you paid for them or less, some states frown on selling them for more. Check you state laws for scalping restrictions.
You could go the Internet route to sell your ducats, on sites such as StubHub.com. If you're thinking of selling them on eBay, you can fill out a form to learn if your state allows or disallows it by clicking here.
If you decide to sell them in person, you still have some options. Spread the word to family and friends, understanding that if you charge a premium you will become the black sheep of the family. You could also go to the event on the night it is to take place and work the entrance area. Scalpers customarily hold tickets up and repeat 'Got two," or however many you might have. Show up early, and if the event is a sellout, you'll probably find fulltime scalpers that will make you an offer to take the tickets off your hands.
Many people take this strategy one step further, and buy tickets to events with the intent of scalping them later. This is a form of gambling that few people can do successfully, though.
When a ticket or two is all that is standing in the way of your economic relief, at the cost of missing a couple of hours of entertainment, it seems perfectly understandable and ethical -- at least to me -- to sell or scalp your ticket and try to get as much money as someone is willing to pay. -
Go Scavenging
100,000 homeless can't be wrong! In states that require a deposit, 50 cans could bring you $2.50. As scrap, 32 cans make a pound, worth 70 cents.
Finding enough scrap cans is fairly easy. Scan parking lots and ditch lines. You can keep a couple of plastic shopping bags handy to throw cans into. Most people you know send aluminum cans into their recycling bin. If you make a routine of collecting the cans from them for yourself, they are more than happy to hold them for you. Coworkers are also a good source of scrap cans.
Processing and storage is probably the most difficult part of my can saving project. The foremost rule for me is to deal with the cans as soon as possible after I receive them. I crush the cans a number of different ways, and I store them outside the house and as discreetly as possible. Aluminum cans take up a lot of room. That is why many people are put off of the idea of saving them. However, when crushed, you'd be amazed at how much poundage you can conveniently store. By crushing the cans and keeping them in sealed plastic bags, you can easily save up enough of them to make the hobby well worth your while.
Head To The Casino
Please understand that this is our #1, most desperate way to make some quick cash, and only applies in this situation: you have some cash, but not enough, and MUST have more within a very short time or your life will fall into ruin. When you've exhausted every other possible avenue, only then does a reasonable man consider the casino.
Why is this our most desperate? Look at Las Vegas. Those beautiful building don't grow in place; they represent the house's advantage.
Games to avoid: slot machines, roulette, and other games that are 100% luck. The house advantage is considerable and unalterable. Also avoid games in which you compete directly against other betters, such as poker.
A game like blackjack is the best avenue to win. A four-deck game gives the house only a .51% advantage, vs. 9-10% on the slot machines. And, most importantly, take this vow. Read it aloud. "I will quit the moment I have the money I need."
- More Ways to Make Quick Money


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This giclée print offers beautiful color accuracy on a high-quality paper (235 gsm) that is a great option for framing with its smooth, acid free surface. Giclée (French for "to spray") is a printing process where millions of ink droplets are sprayed onto the paper's surface creating natural color transitions. Price
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For hands, and use all over naked bodies. Get sudsy in the bath and shower. For optimal longevity, keep LUSH soap in a well-drained soap dish (away from water) between uses.
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http://www.lush.ca/Sexy-Peel/00260,en_CA,pd.htmlMore from Soap:
Super citrus soap, bursting with fresh a-peel
It's time to bring Sexy to the shower. Jump start your morning with a juicy citrus splash of organic orange juice and zesty lime oil. It's the perfect solution to recharge your sex appeal when you're feeling sluggish. Simply unpeel your clothes and get to work with our scrubby soap loaded with citrus peels to exfoliate and tone your skin while you suds up. You'll feel fresh and squeaky clean again in no time and the revitalizing citrus juices and oils will get your senses going.
- Peeler bar:We use the peel from organic oranges, limes and lemons to give the soap the exfoliating texture of fresh marmalade.
- Orange you glad? Rich in nutritious vitamin C, the acidity of orange juice helps to keep skin clear.
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"After six years, this soap is still my first choice whenever I go to stock up. Its clean, fresh scent is an instant mood-lifter and it lathers perfectly. The scent melds well with any person's natural scent and doesn't compete with any other products or scents."
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Water (Aqua) , Rapeseed Oil , Coconut Oil (Brassica napus; Cocos nucifera) , Propylene Glycol , Cornstarch (Zea mays) , Lemon Peel (Citrus limonum) , Orange Peel (Citrus Aurantium Dulcis) , Sodium Stearate , Sodium Hydroxide , Sodium Lauryl Sulfate , Fresh Organic Lemon Juice (Citrus limonum) , Fresh Organic Orange Juice (Citrus Aurantium dulcis) , Lime Oil (Citrus aurantifolia) , Fragrance , Grapefruit Oil (Citrus paradisi) , Fresh Organic Lime Juice (Citrus aurantifolia) , Lemon Oil (Citrus limonum) , Glycerine , Sodium Chloride , EDTA , Tetrasodium Etidronate , *Citral , *Geraniol , *Citronellol , *Limonene , *Linalool- How to use
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This 12" Frying Pan quickly and evenly distributes heat to your food. Its nonstick coating is also an easy way to cook with fewer fats, oils and butter.
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Recycled stainless steel handles, recycled aluminum base.
Nonstick ceramic coating.
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Conceived with the thought of friends and family coming together and enjoying good food, wine and conversation, our exclusive Welcome collection is informed by an encompassing multicultural mindset. Handcrafted carafe features a clean, stylized bottle shape in glowing amber with clear sham base. This piece joins our extended Welcome family of glazed stoneware dinner pieces, wood, glass and metal serving pieces, glassware and flatware in a tableau of beautifully contrasting color accented with warm metallics, colored glass and oxidized metals.


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Camp Chef Sport Grill MVPItem #: SPG25S
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Cahill takes on Pirates in first start since June
D-backs' righty has been on disabled list; Locke starts for Pittsburgh
What was once considered a strength for the D-backs, their starting rotation, has often been left thin and exposed at times this season.
But on Saturday, the D-backs' staff will get one-fifth of its Opening Day rotation back as Trevor Cahill makes his first start since landing on the disabled list July 1 with a right hip contusion.
The D-backs were counting on Cahill early, but the righty stumbled in the 17 starts before his stint on the DL, amassing a 4.66 ERA. Cahill is winless in his last eight starts, taking losses in six.
"He's got good stuff. We need him to throw the ball good and be consistent and go deeper in games for us, and to have our rotation kind of solidified," manager Kirk Gibson said. "That's what we're hoping will happen, because we've had a lot of guys come in and out, and it's what you have to do, but it makes it tough as well."
The right-hander used his time on the DL to tweak his mechanics in an effort to improve his command, and he will have an opportunity to prove if it paid off against a Pirates team hungry for wins. Pittsburgh returned home Friday from a 1-5 road trip and took a 6-2 victory over the D-backs.
"We played five very competitive games against a team [Colorado] that is very confident in its park and a playoff-caliber team from last year [St. Louis Cardinals]," manager Clint Hurdle said. "So the experience -- the opportunity, even the missed opportunities, sharpens you and keeps you hungry and tells you there's more work to do."
The Pirates' return to PNC Park won't last long, however: The three-game series is sandwiched between road trips of six and seven games, with the latter beginning Monday in San Diego.
"I guess you can almost look at it like a 17-day road trip, with the quick turnaround," Hurdle said. "But it's still good to sleep in your own bed a while, put on the whites and play in front of the home fans."
The Bucs will send Jeff Locke to the mound against Cahill. Locke is searching for win No. 10. He allowed two runs (one earned) and three hits in 5 2/3 innings against the Rockies his last time out, marking his 11th start with three or fewer hits allowed.
Pirates: Rookie Lambo likely back in the lineup Saturday
After starting his first three big league games against the Cardinals this week, Andrew Lambo spent Friday on the bench, but the rookie outfielder is likely to be back in the lineup Saturday against the D-backs.
"There's an aggressive swing there," Hurdle said. "A lot of power. And a pretty good eye at the plate -- although we've encouraged him to stay aggressive in the strike zone. We'll continue to look for opportunities to maximize that here."
Lambo went 1-for-8 with an RBI in St. Louis, registering his first Major League hit Thursday with a fifth-inning double to deep center field.
D-backs: Gibson employing more defensive shifts
Gibson has taken a page from other managers' play books and is going to more defensive shifts this year than in years past.
"Last year, we talked quite a bit about it," Gibson said. "Why do people shift? What do they see that we don't see? We're looking at the same spray charts? We're trying to study it more and more and try to understand. We get all these charts. Even these umpires charts. What do they mean? What do the spray charts mean? I think we've been much better at defensive alignments. Our infield shifts, our outfield alignment has been moving around a lot more."
• The D-backs entered this series fresh off a three-game sweep of the Orioles that featured three walk-off wins. Arizona leads the Majors with 26 wins on its last at-bat and is second in the National League in comeback wins with 35, trailing only the Braves, who have 38 such wins.
Worth noting
• With a 6-2 win Friday, the Pirates improved to 25-2 at home when Andrew McCutchen gets two or more hits and to 33-4 when he scores.
• Pittsburgh and Arizona played in five walk-off games this week. The D-backs won three in a row against the Orioles, while the Pirates fell victim to two walk-off hits by the Cardinals.
• The D-backs lead the Majors in wild pitches thrown (46).
"Cahill and Ian [Kennedy] were a lot of them," Gibson said. "You're set up on the left-hand side of the plate and they just yank one. It's hard to get over there. We've had a lot of 58, 59-foot fastballs. That's tough. Cahill yanks his changeup quite a bit. There's nothing you can do."
Chad Thornburg is an associate reporter for MLB.com. This story was not subject to the approval of Major League Baseball or its clubs.


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Measuring Instructions for socks: Have child stand on a sheet of paper. Mark the paper at back of heel and front of longest toe. Length in inches is the sock size.
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Sorry we can not accept returns of custom embroidered products unless the product or the embroidery is defective. For returns information click here


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Check out what meals and other deals veterans and active duty personnel can get for free this Veterans Day, Monday, November 11th.
The views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


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Renters may hold key to Measure B vote
Linda SatchwellStaff Writer8/18/2010As the Measure B tax vote comes down to the wire, both campaigns are focusing on a particular segment of the voting population - renters.
These voters don't receive a property tax assessment and are historically less likely to vote than homeowners.
Measure B supporter Bob Herr summed up the situation. "Property taxpayers (are) split 50-50 (on Measure B)," he said. Renters, who account for 45 percent of the voting population, will decide the election.
"We're hoping they'll open the envelope (containing the mail-in ballot) and say, 'Taxes!'" he said.
From his point of view, it's important to keep everyone focused on the issue at hand, which is: "Cap the tax," rather than the "social issue" regarding the shape of medical care in the future.
Opponents of the measure have also recognized the need to influence this group of voters, as the success or failure of Measure B and, in effect, the fate of a new hospital building, may well lie in their hands.
The Save Our Hospital group has jumped on the woo-the-renter bandwagon. In the Aug. 11 edition of the Feather River Bulletin, it ran a half-page ad, with a header that read: "Attention Renters young and old. The hospital is for all of us." The ad asserts, "The vast majority of rental-unit owners would see a tax increase of only $3 to $7 per month, and most would not even bother to pass such a small cost on to their renters."
The focus on renters elicits a broad spectrum of responses, though, just as every aspect of this contentious election has.
One renter, who wanted to remain anonymous, reported she received a letter from her landlord the week of Aug. 9 that said he would have to raise her rent if Measure B fails and he has to pay the significantly higher $125/$100,000 amount.
He informs his renters that, although he never raises rent on good tenants, he "might be making an exception as a result of these outrageous and terribly unfair new hospital taxes imposed by Measure A if Measure B should fail."
He goes on to support the tax cap as reasonable and says its lower $50/$100,000 would not force a rent increase. The $125 rate, on the other hand, should Measure B fail, would force the increase. "If B fails I will be increasing all rents appropriately."
Feather Publishing contacted the Plumas County Assessor's Office to find out the assessed value of the landlord's properties. If the landlord increased rents to offset the $125/$100,000 tax rate, renters would pay between $3.98 and $8.68 per month, depending on the unit occupied. (See sidebar for calculations.)
Other landlords apparently are planning a rent increase as well. Quincy Real Estate and Property Management confirmed that three of the landlords it represents have said in the past six weeks that they'd be raising rents if Measure B passed.
Ken Henrici, another landlord, had an interesting take on the issue. He said many of his units are Section 8, and he isn't allowed to raise their rents. Further, he felt it was morally wrong to raise some rents and not others, so he wouldn't be raising any of them.
Henrici has several properties, and between them his tax bill went up more than $900 last year.
He felt lied to he said. If Plumas District Hospital's board and administration had let people know a few months earlier when they first became aware of the higher than expected tax rate, it would have helped him significantly.
A contractor, Henrici said winter is traditionally his worst time - even more so in this economy. "It's not a wonderful time for a big, unexpected bill," he said.
Because he's a contractor, Henrici questions the hospital's assertion the old building can't be retrofitted. "Yes, you can," he said. "I've done that kind of work."
All renters should be aware that their landlords will not see any PDH assessment on their 2010 - 11 tax bills. Should Measure B pass, the resulting assessments would not show up until the 2011 - 12 tax bill.
Neither the cappers nor the savers will know which way renters swing until election night, Tuesday, Aug. 31. Voters can look for election results at plumasnews.com.


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2013 Northwest Cup Round 6
Highlights from the Northwest Cup races at Stevens Pass Bike Park on August 4th, 2013.
Aerial Construction of Jupiter Express Quad
Concrete and lift towers hanging from a helicopter in the mountains? Yessiree! Learn about the intense construction process of Stevens' brand new Jupiter Express High Speed Quad!
Bike Park Update 7-18-13
Check out some more sweet aerial footage of shredding Slingshot Wookie and Lichen It!


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My Time Dining (Main Dining Room)
My Time Dining is Royal Caribbean's flexible dining option that allows you to choose when you dine and who you dine with. All the while enjoying seating in the ship's main dining room; order from the same dinner menu; and enjoy the same impeccable Gold Anchor Service for which Royal Caribbean is known. It's easy to enjoy My Time Dining; simply make your pre-reservation ahead of time, reserve onboard or simply walk-in!
Seating Times:
We suggest smart casual attire. On formal evenings (2), formal attire is appropriate in the restaurant, which includes suits and ties or tuxedos for men and dresses for women. Swimwear, shorts and jeans are not permitted.
All meals are included in your cruise fare, but specialty beverages, alcohol and wine are at current menu prices. Prepaid gratuities are required to participate in My Time Dining - this includes tips for your waiter, assistant waiter, head waiter and stateroom.
Reservations are recommended in order to avoid a delay in seating (reservations will be taken once onboard).
My Family Time Dining
The main dining room offers My Family Time Dining with expedited dining and Adventure Ocean pick-up service, to keep the whole family happy and satisfied during your meals. With this expedited dining service your kids (ages 3 to 11) will be served their meals within 40 minutes, and their appetizers get served right away.
When they've finished dinner, take your children to meet the Adventure Ocean Youth staff at the dining room entrance doors. The staff will escort your children directly to the Adventure Ocean facilities for scheduled evening activities. Then you can quickly return to your dining experience and enjoy a relaxing meal.
Must be registered in the complimentary Adventure Ocean Youth program.
Must have signed up for My Family Time Dining option in advance through Royal Caribbean's online booking & reservation service or once onboard, you can sign up for this service in the Adventure Ocean area.
The service starts on the second evening onboard. From then on you can enjoy My Family Time Dining for the remainder of your cruise vacation or choose to use this service whenever you wish.
Available for guests who select the Traditional Dining service at the first available seating.
More specific details are provided onboard in the Adventure Ocean area.
Main Dining Room (Vincent & Claude)
This elegant two-leveled main dining room offers the utmost in dining and entertainment. You can choose from a variety of options for each course, from appetizers to entrees to mouthwatering desserts. The menu also features ShipShape, vegetarian, and kid's favorite foods.
Seating Times:
Breakfast: 7:30 - 9:30 AM, Lunch: From noon - 2 PM, Dinner: Early - 6:15 PM, Late - 8:30 PM.
We suggest smart casual attire . On formal evenings (2), we suggest suits and ties or tuxedos for men and gowns and cocktail dresses for women. On couple of nights, semi-formal attire is permitted. Swimwear, shorts, and jeans are not permitted.
All meals (including coffee, tea, water, iced tea, and lemonade) are included in the price of your cruise. Specialty beverages, beer, wine, and soft drinks are offered at current bar menu prices.
Reservations are required.
Jade Restaurant
The cuisine at Jade is influenced by traditional Thai, Malaysian, Chinese, Japanese, Vietnamese, Indian, and Indonesian cuisine, which the chefs have developed into exciting new dishes served alongside old time favorites.
Seating Times:
Dinner 6 - 9 PM.
Always casual however, bare feet and tank tops are not permitted at dinner.
All meals (including coffee, tea, water, iced tea, and lemonade) at Jade are included in the price of your cruise. Specialty beverages, beer, wine, and soft drinks are offered at current bar menu prices.
No reservations required.
Latte-tudes serves Seattle's Best Coffee, specialty coffee drinks, lattes, cappuccinos and espressos, as well as a wonderful assortment of pastries and cookies.
Seating Times:
Check onboard for hours of operation.
Always Casual.
Specialty coffee drinks, beer, wine and soft drinks, as well as cookies and pastries are at current menu prices.
No reservations required.
Windjammer Café
Open nearly all day and all night, the Windjammer offers great food, spectacular views, and an attentive wait-staff, all in a casual atmosphere. Choose from a wide variety of foods including salads, soups, sandwiches and burgers, meat-carving and hot entrees, as well as cookies, cakes, and pastries for dessert.
Seating Times:
Hours may vary by itinerary. Continental Breakfast: 6:30 - 7:30 AM, Full Buffet Breakfast: 7:30 - 10:30 AM, Lunch: From noon - 2 PM, Afternoon Tea and Snacks: 4 - 5 PM, Dinner: 6 - 9 PM, Late Night Snacks: 1 - 4 AM.
It's always casual in the Windjammer Café, however, bare feet and tank tops are not permitted at dinner.
No additional costs, but specialty drinks, alcoholic beverages, and wines are charged at current menu pricing.
No reservations required.
Ben & Jerry's Ice Cream Shop
Vermont's Finest Ice Cream is now available at port and at sea! Ben & Jerry's crafts premium ice cream from all-natural ingredients, creating unique flavors to tempt your taste buds.
Seating Times:
Check onboard for hours of operations.
We suggest casual attire.
All ice-cream concoctions are offered at current menu prices.
No reservations required.
Room Service
The room service menu can be found in your stateroom and offers selections for all meals and light snacks that will be delivered to your stateroom door.
Seating Times:
24 hours a day.
Anything from pajamas to tuxedos, it's up to you.
All meals (including coffee, tea, water, ice tea or lemonade) delivered by room service are included in your cruise price (however a late night service charge applies). Specialty beverages, beer, wine and soda are offered at current bar menu price.
No reservations required, just a phone call away.
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Still without any steps toward PulseAudio?
Phoronix: Wine 1.1.35 Offers Modest Improvements
Two weeks have passed since the release of Wine 1.1.34 that brought support for the digital rights management in the Left 4 Dead 2 game, MSHTML improvements, and other fixes, but now Wine 1.1.35 is out the door to replace that development release. Wine 1.1.35 delivers on more proper support for the Left 4 Dead 2 DRM, support for OLE transacted storage, better certificate checking on secure connections, progress on the 16-bit separation, MSI performance improvements, 64-bit fixes in debugger support, and the usual bug-fixes. This release only carries a few fixes/improvements to the Direct3D 9/10 support. The Wine 1.1.35 announcement with change-log is available at WineHQ.org...
Still without any steps toward PulseAudio?
Fedora offers a PulseAudio plugin for Wine- it's apparently not part of the main Wine tree though.


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veröffentlicht am 11.08.2013 /
NEW BERLIN, New York – Red Bull KTM Factory rider Ryan Dungey earned 3rd overall at the tenth round of the Lucas Oil Pro Motocross Championship Series held at Unadilla Raceway.
Ryan Dungey pulled a great start in moto one coming around the first corner in 3rd position. He quickly passed fellow KTM rider Andrew Short to take over the 2nd place spot. He continued to click off fast lap times and was able to maintain that position throughout the remainder of the race to finish 2nd that moto.
In the second moto, Dungey got pinched off slightly on the start and came around the first corner in 8th position. He quickly charged forward and had passed into 6th position by the next lap. On the third lap he passed Phil Nicoletti to take over 5th position and then began to chase Josh Grant for 4th place. Dungey and Grant battled for the next six laps before Dungey was able to make an inside pass on Grant a few corners before the finish jump to move into 4th with his KTM 450 SX-F.
With five laps remaining, Dungey began to reel in the 3rd place ride of Jake Weimer. On the final lap, Dungey was side by side with Weimer as they headed into the final corner. Dungey had the drive out of the corner but bobbled coming out of the rut which allowed Weimer to barely edge him out for the final podium spot. Dungey crossed the finish immediately behind him to finish 4th. His 2-4 finishes earned him 3rd overall for the day.
Next Round: Toole, UT – August 17, 2013
Results 450MX Class Unadilla
1. Ryan Villopoto (USA), Kawasaki (1-1)
2. Justin Barcia (USA), Honda (4-2)
3. Ryan Dungey (USA), KTM (2-4)
4. Jake Weimer (USA), Kwasaki (9-3)
5. Josh Grant (USA), Yamaha (5-5)
Other KTM
6. Andrew Short (USA), KTM (6-7)
12. Matt Goerke (USA), KTM (14-14)
Standings 450MX Class after 12 of 14 rounds
1. Villopoto, 463 points
2. Dungey, 419
3. Barcia, 347
4. James Stewart (USA), Suzuki, 289
5. Trey Canard (USA), Honda, 263
Other KTM
6. Short, 220


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The World's Greatest Tribute Bands on AXS TV
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- 8901 Sunset Boulevard West Hollywood, CA 90069, US
MiKO Plastic Surgery Grand Opening Celebration - Champagne ReceptionDr Michael K ObengThursday, January 31, 2013 from 6:00 PM to 9:00 PM (PST) |
Celebrate with Harvard-trained ASPS board certified plastic surgeon Dr. Michael K. Obeng
Enjoy complimentary champagne, cocktails,hors d'oeuvres, and beauty product gift bags with over $35,000 in prizes from MiKO Plastic Surgery!
Invite your friends, family and clients to this unforgettable party. We look forward to seeing you.
Best wishes,
The MiKO Plastic Surgery Team
RSVP by purchasing a free ticket above, or call 310.275.2705.
Dr. Michael K. Obeng is Harvard-trained award-winning board certified plastic surgeon in private practice in Beverly Hills, California. In 2011, he was named among "Americas Top Plastic Surgeons" by the Consumers Research Council of America. He was formerly the Chief of Plastic Surgery at St. Elizabeth Health Center in Boardman, Ohio and currently and serves on staff at Cedars Sinai Hospital.
Born into poverty in Ghana, "Dr. O" persevered through unimaginable obstacles to earn a prestigious microneurovascular Harvard fellowship in addition to his extensive plastic surgery training. He applies a unique approach – the delicate handling of tissue resulting in less scarring and better results – to a full range of procedures including a revolutionary new facelift technique, rhinoplasty, breast augmentation/reduction and tummy tuck, liposuction, "mommy makeover" and cosmetic rejuvenation of the hand. For more information or before & after photos of Dr. Obeng's work, visit www.MikoPlasticSurgery.com.
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Georgia's Beartic
this wiki
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Georgia's Beartic is a Beartic belonging to Georgia.
Beartic's first appearance was in Iris and Excadrill Against the Dragon Buster!, where it defeated Iris' Axew and crushed it easily. Although Georgia was uninterested in battling against non-dragon types, it battled against Iris' Excadrill, and defeated it due to it's disobedience. Iris challenges it to a rematch, but Excadrill now obeys Iris, and has learned Focus Blast, giving the two an early upper hand. Beartic's Rock Smash was able to overpower Excadrill's Drill Run and knock it out, though Beartic fainted from exhaustion shortly after.
When Georgia decided to participate in the Club Battle tournament in Reunion Battles In Nimbasa!, she used her Beartic to battle against Sylvester's Joltik. Beartic missed all of its Rock Smash attacks, but won due to its sheer size after Joltik was crushed after a powerful Thunderbolt from Joltik hit Beartic hard.
Beartic appeared once again in Crisis at Ferroseed Research! where it was used to clear moss being spread by several Ferroseeds. It saved Iris, Axew, Oshawott and Georgia's Vanilluxe and team up with Vanilluxe to further clear the moss before becoming exhausted.
In Jostling for the Junior Cup!, it was used to battle Iris' Dragonite in the Pokémon World Tournament and showed off several new moves. Despite Dragonite being disobedient to Iris, Dragonite shrugged off a Hidden Power eaisily, but struggled to hold off a Focus Blast following it up. After Ice Beam froze up all of Dragonite's body excluding it's head, another Ice Beam is launched, but Dragonite refused to counter it, and his head was frozen. Dragonite broke through the ice, ran straight through Blizzard and defeated Beartic with a single ThunderPunch, causing Georgia to be eliminated from the tournament. Georgia was horrified that she lost to a dragon type, but since it didn't obey Iris, her record against Iris remains without a loss.
Known Moves
Move | Episode |
Slash | Iris and Excadrill Against the Dragon Buster! |
Icicle Crash | Iris and Excadrill Against the Dragon Buster! |
Ice Beam + | Iris and Excadrill Against the Dragon Buster! |
Rock Smash | Iris and Excadrill Against the Dragon Buster! |
Hidden Power + | Jostling for the Junior Cup! |
Focus Blast + | Jostling for the Junior Cup! |
Blizzard + | Jostling for the Junior Cup! |
+ indicates this Pokémon used this move recently.* - indicates this Pokémon normally can't use this move. |


text:
A lipoma is a harmless lump of fat. There are several types, usually classified by where they appear. Lipomas may occur anywhere and are commonly are found just beneath the skin.
Risk Factors
Factors that increase your chances of developing a lipoma include:
- Family history
- Lipomatosis, a hereditary condition that results in lipomas all over the body
- Adiposis dolorosa, a rare condition that results in painful lipomas
Lipomas are usually soft, painless, moveable lumps under the skin. They usually don't cause symptoms.
Your doctor will ask about your symptoms and medical history. A physical exam will be done. The diagnosis is usually based on smoothness, softness, and ease of movement under the skin. Your doctor may do a biopsy to rule out other skin conditions.


text:
Vehicle Mounts
Sirius Mounts, XM Mounts, SiriusXM Mounts
Custom vehicle mounts are an easy way to clean up the installation of your satellite radio or other vehicle electronics. These are built for specific vehicles and install directly onto the dash. We also strongly recommend a swivel such as the Panavise Tipper Swivel.
To find a mount for your vehicle, begin by selecting your vehicle's model year. Then select your vehicle's make and then it's model. Finally, select any type variations.


text:
Recycled Cement Sack Handbag
Roll over image to zoom in
Make a concrete statement about your support for women in need in Bangladesh as they work to cement a new future! This ingenious fashionable handbag is made from recycled cement sacks and is sure to be a point of conversation! And you'll feel good knowing your purchase has enhanced the lives of women artisans.
- 100% recycled concrete sack exterior
- Cotton lining
- Two interior pockets
- Zipper top
- 10.5" T x 14" W (27 x 36 cm)
- Handmade in and fairly traded from Bangladesh
Shop Green!
Created to help women worldwide gain economic security for themselves and their families by earning fair wages for their handiwork, Global Girlfriend sources women-made, fair-trade imported, eco-friendly products. By supporting long-term partnerships with the artisans, it fosters equal employment opportunities, healthy and safe working conditions, technical assistance, and development strategies to help reduce poverty, one community at a time. Become a "Global Girlfriend" and help build a brighter future for girlfriends around the globe!
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Artisan: Motif
For women that have been marginalized by society, Motif is a safe place they can call home while earning a living to provide for their families. Most of the women employed have experienced some form of discrimination or other scarring incident that has given them a social stigma, making it hard to find decent employment. Some of the women are former prostitutes, others have been affected by leprosy or other diseases, others still have been divorced or abandoned. At Motif the women find a safe place where they can earn a living, as well as share with the other women in a family-type atmosphere.
Motif prides itself on making unique lifestyle fabrics and accessories, and considers the quality and production of their designs, their good prices, timely deliveries, and strong relationships with customers stronger selling points than the fact that all their goods are fair trade -- something they think should be the norm rather than an exception.
Artisan Shireen
Several years ago Shireen's husband left her for another woman -- leaving her with no choice other than to move herself and her two children into her sister's already crowded home. Relationships were strained with this stressful living situation, and made worse by the fact that Shireen's nephews were very strict and did not allow her daugthers to freely leave the house or pursue an education.
Luckily, Shireen learned from friends about Motif, and went to see if her skills would be useful to the company. They are -- and she has since become a major source of financial support for her family. She moved herself and daughters out of her sister's home, was able to give her sister a number of loans to support herself, and her daughters are now pursuing their educations. As a senior seamstress at Motif, she is great at training and encouraging the younger and newer women.
Artisan Nasma
Nasma became acquainted with Motif in 2003, when she was one of the manual laborers who was helping to complete the building. She had been fired from her job as a garnment worker when she became pregnant, and laboring was the only job she could find that would let her keep her newborn son, Raju, with her on the job. As the staff came and went from the building they got to know her, and suggested she join the team.
She has been very successful -- within three months she was able to save enough money to help her husband, who is disabled due to leprosy, buy a rickshaw to cycle to help support the family, and within a year they had saved enough money that he was able to find work that was easier for him to perform. She also helped out her mother, who was then able to stop doing manual labor and take care of Raju full-time. And finally, in 2008, Nasma's son began attending school, becoming the first child in their family to become educated.
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text:
County Distribution
Packera streptanthifolia (Greene) W.A. Weber & Á. Löve - Rocky Mountain groundsel PAST10 in the state of Washington
Click the map above to view a larger image.
Our county data are based primarily on the literature, herbarium specimens, and confirmed observations. However, not all populations have been documented, so some gaps in the distribution shown above may not be real. Remember that only native and naturalized populations are mapped!


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Do I understand it right? The open source drivers will be in a few cases faster the propertiary ones?
Phoronix: Previewing The Radeon DPM Performance On Linux 3.11
As promised, now that Linux 3.11-rc1 has been released, it's time for the new dynamic power management support of the Linux 3.11 kernel for AMD Radeon graphics. This first article previews the possible OpenGL performance gains for an AMD APU when enabling "DPM" for allowing the graphics core to properly re-clock based upon its workload.
Do I understand it right? The open source drivers will be in a few cases faster the propertiary ones?
Really? This must be the most noninteresting benchmark I've ever seen!
Everybody already knew, that higher clocks get higher performance. Where is the power consumption graph? Where is the comparison to Catalyst? Did you set the old Power-management to powersave or performance (what clocks were chosen)?
Please bench a10-5800K because a10-6800k is way too immature to be interesting. Also please bench both LLVM and sb backends and don't forget catalyst (no need for 3.10, 3.11 with dpm off is enough). Pretty please?
Nice selection of benchmarks but please add heaven and left 4 dead 2 to the mix.
Last edited by darkbasic; 07-16-2013 at 11:51 AM.
Fantastic. performance temperature and wattage review versus catalyst will be exciting!
I think we have to give Michael more time to finish the benchmarks.
I bet the final benches will be massive.
time to install steam and play dota 2.
AMD finally got it right! I'm proud to confirm their "epic" power management patches also perform greatly on HD5000-based GPUs.
For me, HD5000-series desktop GPU with dpm power management is about 10C cooler than it would be "by default" without setting low power profile by hands. And no screen blinking on re-clock. And GPU goes up very fast, so heavy loads haven't degraded in terms of performance. Really noteworthy improvement!
Last edited by 0xBADCODE; 07-16-2013 at 12:01 PM.
These are fantastic results, I'm delighted to see such huge performance improvements, roll on the über-benchmark!
This can never be said enough: Thank you Bridgman,Tom, Alex, and anyone else involved in the OSS effort.
I've been recommending AMD products mainly because their OSS support, it feels great to be proven right. Going to test DPM on a laptop right now.
PS : A special compliment goes to bridgman for concentrating on development and not on tweaking the old PM code. Taking the flak from all of us must have been a bit harsh


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Fabulous Faux Shearling Cape
ITEM: 8018 Just throw on this fabulous faux shearling zippered cape over anything, and you're good to go—in style. It looks great on any body type. With faux fur hood trim featuring pompoms for pulls. Soft and plush, it looks and feels like the real thing. Imported. Dry clean.Learn MoreRegular Price: $195.00
Special Price $97.50
Hooded Cinched Waist Quilted Jacket
ITEM: 8058 This trendy jacket is big on style. From its exaggerated, gathered shirred hood that folds down to a dramatic collar, to its zippers, snaps, slimming elasticized waist for shape, it's chic and cozy all in one. Polyester with polyfill lining, knit cuffs. Imported. Machine washable.Learn MoreRegular Price: $120.00
Special Price $60.00
Ladies DB Wool Coat
ITEM: 8029 This double-breasted wool blend classic features chic accents including ten brass tone buttons. Its soft, wool blend fabrication lined in quilted polysatin with light polyfill makes this peacoat a wardrobe staple from autumn through winter. With 2 outside flap pockets. Imported. Dry clean.Learn MoreRegular Price: $140.00
Special Price $70.00
Ladies Lamb Wrap Jacket
ITEM: 6143 In a timeless silhouette, the graceful wrap jacket subtly shapes your waist in a most feminine, flattering way. This model features superb workmanship and rich detail stitching on the collar and belt, plus chic epaulettes. Back flange for easy movement. Zippered front with a three snap placket closure. Two side slash pockets. Imported. Leather clean.Learn MoreRegular Price: $345.00
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Ladies Scooter Style Lambskin Leather Jacket
ITEM: 1660 One of this year's must-haves, for both men and women, is the scooter jacket. Crafted of a rugged nappa leather, superior quality throughout. Contemporary banded collar, padded stitched elbow detail and snap cuffs. Four outside zip pockets, two inside leather-trimmed ones. Quilted poly lining with poly fill. Imported. Leather clean.Learn MoreRegular Price: $290.00
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Ladies Short Animal Print Jacket
ITEM: 8091 Flaunt your wild side in our sassy leopard-motif jacket. Its fun and versatile cropped length is ideal for pants and skirts and looks great day and night. Hidden snap closures. Fully lined. 100% polyester. Imported.Learn MoreRegular Price: $195.00
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Ladies Short Banded Collar Jacket
ITEM: 5052 Soft and elegant with a touch of distress, this jacket feels as unique as it looks. Runway trends include motorcycle design, beautifully crafted ribbing on the shoulders, snap tab collar, princess seaming, metal zipper treatment on the front pockets and sleeves, and adjustable buckle belt. Poly satin lining. Imported. Leather clean.Learn MoreRegular Price: $330.00
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Ladies Short Quilted Moto Jacket
ITEM: 5042 Our model of this year's fashion editor's favorite is made of lustrous, top quality lambskin leather, featuring an asymmetrical design with quilted trim on the shoulders, side panels, and sleeves. Standup collar, racy zipper detailing on pockets and sleeves, a snap front placket, and adjustable buckles on the side make this jacket extraordinary. Poly twill lining. Imported. Leather clean.Learn MoreRegular Price: $330.00
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Lambskin Leather and Suede Jacket
ITEM: 8105 Combine luxurious soft lambskin leather with contrasting lambsuede trim and you've got a winner! Lambsuede trims the shoulder, front zip, and jacket bottom. Two front zip pockets and zippers on the sleeve for extra detail. Poly fill lining. 22" back length. Imported.Learn MoreRegular Price: $400.00
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Lambskin Leather Jacket
ITEM: 5053 Our designers hit the refresh button on the basic short jacket, adding a fashionable funnel collar. Crafted of premium Milano lambskin for an extra soft and luxurious look, in a fitted, slimming cut to flatter any woman. Sublime details include princess seaming, vertical front zippers, and 7" back sleeve zipper. Poly twill lining. Imported. Leather clean.Learn MoreRegular Price: $330.00
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Order must total $75 after discounts and not including customization. Excludes team orders, items with extra freight & shipping outside the contiguous US. Not valid on previous purchases. Expedited shipping additional. Expires 7/01/15 at 11:59 PM ET.
Dependable soft pocket.
Our custom stringers have selected the finest stringing materials available to ensure the sweetest, longest lasting pocket possible.


text:
HD4xxx has only had 3d acceleration for a bit over a year. Not years.
On my HD4870, the open drivers offer crap speed. Since years now when I first bought the card.
Progress on the drivers is so extremely slow, it's not even funny anymore. It takes *years* to see progress. So I'm pretty confident the card will offer good speed with the open drivers around 2016.
HD4xxx has only had 3d acceleration for a bit over a year. Not years.
With respect, you are flip-flopping here. If you want to complain that driver support for HD4xxx wasn't really there until late 2009 as a result of the open source graphics project only starting in 2007 and having to work through previous generations of hardware first, that's fair.
If you want to complain that the development community decided to focus on finishing the migration to Gallium3D-based drivers and start performance work on the r600g code rather than making the "classic" r600 driver run really fast before moving to Gallium3D and throwing the performance work away, that's not as valid but I can understand how you might wish a different decision had been made.
If, however, you want to extrapolate from the work done so far and conclude that "progress is slow" (despite the fact that developer focus on performance really only started a few weeks ago), or to suggest that progress will remain equally slow even though none of the driving conditions exist today, then the associated thinking is starting to resemble a crime against logic
It's not a crime against logic to state that even though one whole year has passed since the initial support, the drivers are still too slow.
Which is the answer to the question stated in this thread:
Q: How well does HD4670 perform with open source drivers?
A: Not that well, even though more than one year has passed.
Sure, there's not an abundance of devs working on it. Just a few. Which is why we still like you
No, but you said "progress on the drivers is slow", not "the drivers are still too slow".
If your first post had said something along the lines of "the drivers are still slow and the developers have been working on completing the planned architectural changes instead of working on performance improvements" I would have nodded my head and said nothing, although it would have been good if you had mentioned that the developers *did* start looking at performance recently.
Stinkin' one minute edit limit.
i test the radeon driver over years now and my last test blast me away of the nexuiz speed...
on an hd4350 with ultra settings it runs just fast...
but the real problem is there are not so much opensource games and wine support for exampel is much higher ratet in my pratice
means the wine support is hit by the s3tc problem and after compiling the s3tc support i checkt out that there is an 32bit vs 64bit problem and wine needs 32bit in the 64bit system---
the radeon isn't perfekt right now and no one care about speed thats because there are functions with much higher rated importand like working s3tc for wine just because no game works in wine without that stuff.
speed isn't importand right now.
for wine you need many wine extansions and in best use openGL3+
and in my point of view openCL support is more importand than speed.
I don't know, but going from a single triangle which locks the GPU up to full OpenGL 2.1, kernel modesetting, powersaving, full XRender and XVideo, XvMC, migration to a completely new driver architecture etc. in a year and a half... I'd say that's quite good progress.
Of course, if you expect OpenGL 4 and performance which blasts away Windows in less than a year, then you will probably consider the progress disappointing.
I forgot colour tiling, HDMI sound, page flipping, some support work on texture tiling, and GLSL (part of OpenGL 2.1, really).
Also, 3d performance has improved by at least 100% in this timeframe.
It all depends on what your expectations were to begin with, really. I'm just as hungry for new features and performance as the next guy, but I wouldn't say that the progress is slow.
I said both. "After one year" means progress is too slow.
Taking 12 months (it's a bit more than that even) to complete the planned architectural changes *is* slow progress.If your first post had said something along the lines of "the drivers are still slow and the developers have been working on completing the planned architectural changes instead of working on performance improvements" I would have nodded my head and said nothing, although it would have been good if you had mentioned that the developers *did* start looking at performance recently.


text:
.. Founder of Nozbe.com - a time and project management web application
.. Editor of Productive! Magazine - a global PDF publication on productivity
.. and a blogger as well as a producer of a weekly 2-minute Productive! show.
Michael Sliwinski: Productivity with passion to achieve success!
Posted on Sunday, February 5, 2012 (business)
Michael is an Internet entrepreneur who is running Nozbe, editing the Productive! Magazine, showing off his tips and tricks in Productive! Show, blogging on this blog and writing books, articles for various magazines, speaking at conferences or advising other startups. He's constantly building new, exciting and often secret things. He's a product guy. Learn more about Michael


text:
188.8.131.52 address profile
Updated 0 seconds ago
Overview for 184.108.40.206
% This is the RIPE Database query service. % The objects are in RPSL format. % % The RIPE Database is subject to Terms and Conditions. % See http://www.ripe.net/db/support/db-terms-conditions.pdf % Note: this output has been filtered. % To receive output for a database update, use the "-B" flag. % Information related to '184.108.40.206 - 126.96.36.199' % Abuse contact for '22.214.171.124 - 18.104.22.168' is 'email@example.com' inetnum: 220.127.116.11 - 184.108.40.206 netname: CODENET descr: TVCablenet descr: Belgian Cable Modem ISP descr: ### Please report abuses to email@example.com ### country: BE admin-c: GL2580-RIPE tech-c: GL2580-RIPE status: ASSIGNED PA mnt-by: AS8227-MNT mnt-lower: AS8227-MNT mnt-by: TELENET-OPS-MNT mnt-lower: TELENET-OPS-MNT source: RIPE # Filtered person: Gert Luts address: Telenet Operaties N.V. address: Liersesteenweg 4 address: B-2800 Mechelen address: Belgium phone: +32 15 333 000 mnt-by: TELENET-DBM mnt-by: AS8227-MNT nic-hdl: GL2580-RIPE source: RIPE # Filtered % Information related to '18.104.22.168/19AS6848' route: 22.214.171.124/19 descr: TVCablenet descr: Belgian Cable Modem ISP descr: ### Please report abuses to email@example.com ### origin: AS6848 mnt-by: TELENET-OPS-MNT source: RIPE # Filtered % This query was served by the RIPE Database Query Service version 1.79.1 (DB-4)


text:
Hello to all the DeepSouth members!
The past few months have flown by since the Regatta in Carmel and seeing so many good looking t-shirts and patches representing each chapter of the SubCommittee - I started thinking DeepSouth needs one of our own. I've worked with the designer at the regatta (celestial designs) and came up with a logo for patches, hats, t-shirts and so forth.
I'd like to hear back from each of you how the thing looks.
(keep in mind that we've made lots of changes to this thing already - so you love it or hate it).
use this link please
Michael Wilson


text:
"Treat your password like your toothbrush. Don't let anybody else use it, and get a new one every six months" – Clifford Stoll
When you create an account on a website, you may have the "password dilemma" for a second. The dilemma is whether you should provide a weak password that is easy to remember or a strong password that is hard to remember. Following are the rules and guidelines that may help you in overcoming the password dilemma and help you in creating a strong password that are secure. These are the things that I've used over years based on my own interest in the area of keeping the password safe and secure.
I. Two essential password rules:
Following two rules are bare minimal that you should follow while creating a password.


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text: To print this article open the file menu and choose Print. Click here to return to previous page Article published Oct 26, 2012 St. Anna School receives $5,000 cultural donationFITCHBURG Cathy Poulin, public relations director at Bob's Discount Furniture, recently presented representatives from St. Anna School with a $5,000 donation check from Bob's Outreach Program as part of its "Celebrate the Arts" contest. This contest, now in its seventh year, awards a total of $45,000 in cultural grants to nine schools across the Northeast and Mid-Atlantic in order to support and maintain dance, music and the arts in schools. From left, Ms. Poulin, Bob's Discount Furniture outreach coordinator Sharon Valley and St. Anna students Jan Jacob, Alexcis Mahoney and Aiden Doherty. Order the Telegram & Gazette, delivered daily to your home or office! www.telegram.com/homedelivery Copyright Worcester Telegram & Gazette Corp. |


text:
Cardiac Science, Firehouse and Officer.com Partner to Give Away 10 AEDs
Fort Atkinson, WI, Nov. 12, 2012 – Cardiac Science, Firehouse and Officer.com have partnered to give away Cardiac Science's Powerheart G3 or Powerheart AED G3 Plus automated external defibrillators (AEDs) to 10 fire and law enforcement agencies in the United States.
Fire departments that would like to enter to win a Powerheart G3 AED need to register online at http://www.firehouse.com/cardiac-science. Entrants must view the webinar "AEDs: Increasing Sudden Cardiac Arrest Survival Rates in Your Community," to learn more about AEDs and how to implement a program in your community.
Law enforcement agencies that would like to enter to win a Powerheart AED G3 Plus need to register online at http://www.officer.com/cardiac-science. Entrants must view the webinar "AEDs: How to find the money and save lives," to learn more about AEDs and how to implement a program in your community.
Both programs end Dec. 21, and winners will be notified by Jan. 15, 2013.
Sudden cardiac arrest (SCA) strikes approximately 365,000 people in North America every year, more than lung cancer, breast cancer and AIDS combined.
"AEDs are life-saving devices, not only for citizens, but also for firefighters serving their community," said Greg Toritto, publisher of Firehouse.
" We are proud to partner with Cardiac Science to provide this life-saving technology," said Frank Borelli, Editorial Director for the Cygnus Law Enforcement Group which is comprised of Officer.com, Law Enforcement Technology magazine and Law Enforcement Product News.
"Cardiac Science has been working to reduce SCA fatalities since we introduced the first fully automated external defibrillator," said Mike Fry, General Manager of Resuscitation, Cardiac Science. "Publicly accessible AEDs are crucial in this fight against SCA."
The Powerheart G3 and Powerheart G3 Plus AEDs are Rescue Ready®, meaning they self-test daily to ensure they work when needed. The device analyzes the heart rhythm and "knows" when to deliver (or not deliver) the shock. Users are guided through the process with clear voice prompts, and the unit features a text screen that provides helpful information. The Powerheart AEDs have a seven-year warranty and a four-year full battery replacement guarantee.
For more information about starting an AED program, please visit www.CardiacScience.com or call (800) 426-0337.
About Cardiac Science
Cardiac Science, a group company of Opto Circuits (India) Ltd., develops, manufactures, and markets a family of advanced diagnostic and therapeutic cardiology devices and systems, including automated external defibrillators (AED), electrocardiograph devices (ECG/EKG), cardiac stress treadmill and systems, PC-based diagnostic workstations, Holter monitoring systems, hospital defibrillators, vital signs monitors, cardiac rehabilitation telemetry systems, and cardiology data management systems (informatics) that connect with hospital information (HIS), electronic medical record (EMR), and other information systems. For information, call 1.800.426.0337 or visit http://www.cardiacscience.com.
About Firehouse
Firehouse Magazine is a monthly publication that is devoted exclusively to the fire service. With the highest circulation in the industry, the publication's primary audience is America's 1.2 million firefighters. As the leading fire and emergency services portal, Firehouse.com provides free email service, community forums, live chats and line of duty death rosters, and also covers daily news and information for the emergency services sector. In addition, the site features special reports from firefighters who are on-site at some of the country's major disasters. Together, Firehouse Magazine and Firehouse.com reach more than 500,000 unique users every month, and are published by Cygnus Business Media.
About Officer.com
Officer.com is the premier website serving the law enforcement profession. With a primary audience made up of America's 715,000+ law enforcement professionals plus all of the industry/community partners who support and serve them, Officer.com is also used as a training and information resource for many security professionals and criminal justice training institutions. As the leading law enforcement online portal, Officer.com.com provides free email service, community forums, live chats and line of duty death rosters, and also covers daily news and information for the emergency services sector. Officer.com reaches more than 1,000,000 unique users every month, and is owned and operated by Cygnus Business Media.
About Cygnus Business Media
Cygnus Business Media reaches millions of professionals annually. As one of America's top business-to-business media companies, Cygnus is leading the way in providing targeted content to top decision-makers and organizations. The company's corporate initiatives and organizational architecture are built with one goal: fully engaging audiences in aviation, building and construction, public safety and security and agriculture vertical markets, as well as diversified industries such as transportation, printing, accounting, vending and other markets.