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Back in January I talked with Eric Knipp, who manages Gartner's Application Platform Strategies research team, about some of the opportunities and challenges he saw on the horizon for application developers. During that conversation, he mentioned an intriguing idea that he was exploring: That crowdsourcing could be much more useful to enterprise app dev organizations than most people currently recognize.
That exploration is complete and Knipp's conclusions and recommendations are laid out in a new Gartner white paper, aptly entitled "Use Crowdsourcing as a Force Multiplier in Application Development."
Gartner defines crowdsourcing as "the processes of sourcing a task or challenge to a broad, distributed set of contributors using the Web and social collaboration techniques." Think Netflix Prize or XPrize, or on smaller-scope piecework, Amazon or Mechanical Turk. As Knipp puts it, it is a call for a custom application solution from an external developer community, the members of which expect to earn financial or reputational awards.
The competitive aspect is somewhat similar to open source, which Knipp calls "an important ancestor" to crowdsourcing, and communities do develop around crowdsourcing environments, but the dynamic is dramatically different. Where open source attracts committers, crowdsourcing attracts competitors.
"Most of the time, when you're working on open source, it's something that you want to use personally," Knipp told me. "I'm contributing to Docker, say, because I use it and I found a bug that I want fixed, or there's a feature I want to add to make it better for me and everyone else who uses it. But on the crowdsourcing side, for the most part, this thing that you're building is for a specific purpose and the ownership of the code goes to the sponsor. You're trying to win that contest, get that prize, get invited into private contests, and maybe even get a job. These are two very different sets of motivations, even though both have a community aspect."
Applying crowdsourcing to enterprise application development is about harnessing parts of the open-source model -- the competitive spirit, the application of multiple solutions to a problem -- and folding them into a business model that helps the enterprise do meaningful work, Knipp explained.
It also opens up a new leadership role for application architects as coordinators of "the activities of cutting-edge developers in a free market for technical talent," Knipp said. This model allows app architects "to apply the cloud operating model (scalable and elastic, shared, service-based, metered and delivered using Internet technologies) to the development and delivery of custom software."
Why turn to external sources for internal innovation? Because of the pressure on app dev organizations to leverage a broader set of experience and domain expertise than they have in-house to compete in a world sent into warp-speed competition by cloud, mobile and social trends.
Small or midsize businesses (SMBs) and startups have found successes with mobile and modern Web applications through crowdsourcing, Knipp said. But he insists that larger enterprises can also take advantage of this model. One secret of the SMBs success: applying crowdsourcing to greenfield application development, rather than extending or modernizing existing systems. Also, they tend to focus on the design, coding, and testing disciplines in the software development life cycle (SDLC).
Once the decision to crowdsource is made, Knipp said, the next most important choice facing an organization is which platform to use. The crowdsourcing process is mediated by platforms that connect the sponsoring companies with the competitors, and picking the right one is critical. Currently, most of the platform providers specialize in one phase of the SDLC. DesignCrowd, crowdSpring, and 99designs, for example, focus on the design phase, while uTest, Passbrains, and BugFinders focus on validating code and cross-platform functionality. Only one provider, TopCoder, offers a soup-to-nuts crowdsourcing platform. Knipp expects that situation to change as more enterprises recognize the value of crowdsourcing.
Knipp has a lot more to say on this subject in this must-read white paper. Highly recommended.
Posted by John K. Waters on 04/17/2014 at 4:56 PM0 comments
On Tuesday, the Apache Software Foundation (ASF) sent out a graduation announcement of sorts. The Apache Olingo project, which provides generic Java and JavaScript libraries designed to implement the OASIS Open Data Protocol (OData), has had a status upgrade from Incubator to Top-Level-Project (TLP).
Olingo is a standardized protocol for creating and consuming data APIs. By implementing OData, which is REST-based and uses HTTP, AtomPub and JSON, Olingo is able to use uniform resource identifiers (URIs) to connect with feed resources. The aim is to simplify the querying and sharing of data across disparate apps in the enterprise, the cloud, and on mobile devices. Using OData makes it possible for Olingo to provide a uniform way to expose full-featured data APIs.
Olingo works with browser-based used interfaces, which use it to query data on servers. But it's also used to synch data to mobile devices and exchange data among server systems. Olingo is part of the technical foundation of SAP's NetWeaver Gateway technology and other enterprise solutions.
Olingo extensions contain additional features, such as the support of Java Persistence API (JPA) or annotated bean classes. The project's documentation, wiki and tutorials highlight several examples of implementing a custom OData service, including a sample Web application built with Apache Maven that can be deployed to any Java Platform, Enterprise Edition (JEE)-compliant Web application server, such as Apache Tomcat.
Olingo joined the Apache Incubator in July 2013 with a combination of Java server libraries for OData 2.0 provided by SAP, and Java client libraries for OData 3.0 and JavaScript libraries for OData 3.0 from Microsoft's Open Technologies group (MS Open Tech). Since joining the incubator, the Olingo project has produced three releases, which resulted from the work of 20 individual contributors responsible for 495,107 lines of code and 1,102 commits.
"OData v4 recently became an OASIS standard that is increasingly opening up data for an open Web," said Eduard Koller, senior program manager at MS Open Tech, in a statement. "Apache Olingo is open source software to aid in the production of OData v4.0 clients and servers in both Java and JavaScript. The project brings together several companies and community developers and we look forward to welcoming more users and contributors to the community."
Acceptance as a TLP, which is based on a voting process within the organization, means that Olingo has won a place among such projects as the Apache HTTP Server, the Tomcat Java app server, Hadoop, the Lucene search engine and OpenOffice. Graduation, as the Foundation puts it, signifies "that the project's community and products have been well-governed under the ASF's meritocratic process and principles." Every Apache TLP has a project management committer (PMC) and a chair. An incubator project could also graduate to a subproject of an existing TLP.
The ASF's Incubator is a temporary container project that is the official gateway to mainstream Foundation activity. All potential Apache projects start in the Incubator, which gives the Foundation a chance to scrutinized them, make sure they meet the ASF's legal standards (it's a 501(c)3 non-profit organization), and help them to adopt Apache procedures.
Posted by John K. Waters on 04/09/2014 at 9:04 AM0 comments
News about Java Specification Requests (JSRs) don't usually make it to the front page, but the announcement that JSR-107, the spec request for a Java Temporary Caching API, better known as JCache, has earned final approval should be top-of-the-fold news -- if for no other reason than the time it took to get there.
The JCache project summary explains that the spec standardizes in-process caching of Java objects "in a way that allows an efficient implementation, and removes from the programmer the burden of implementing cache expiration, mutual exclusion, spooling, and cache consistency."
JSR-107 was the longest running spec request in the history of Java and the Java Community Process (JCP). The JSR-107 Expert Group was formed in 2001. But the spec languished for about a decade until Oracle and Terracotta teamed up and began pushing to get the spec into Java EE 7. Terracotta implemented a version of the JCache spec in Ehcache, a widely deployed open-source Java caching solution the company acquired in 2009. But JCache didn't make it into the Java EE 7 release.
"JCache provides a well thought out, standardized API and programming contract for Java caching," said Greg Luck, Hazelcast CTO and co-author of the JCache spec, in a statement. Luck left Terracotta earlier this year to join Hazelcast, which develops, distributes and supports a leading open source in-memory data grid (IMDG). The product, also called Hazelcast, is licensed under an Apache license that allows developers to include the grid in their applications. The company also provides a commercially licensed Hazelcast Enterprise edition, as well as a management and deployment console called Hazelcast Management Center.
Hazelcast is set to release a production class implementation of JCache, Luck told ADTmag in an e-mail. He plans to continue to his work on JCache, "taking up a co-maintenance lead role" in the spec. "Hazelcast plans to deeply bake in JCache, so that Hazelcast is standards based and may be used for caching without vendor lock-in," Luck said.
Hazelcast's senior solution architect Chris Engelbert also severs on the JCache expert group. Oracle's Brian Oliver and Cameron Purdy also serve as spec leads on the JSR.
Last year, Gartner predicted that in-memory computing is "racing toward mainstream adoption." The analyst firm expected the relatively small IMDG subset of the in-memory computing market (IMC) to grow fast and to reach $1 billion by 2016.
Yet Forrester Research analyst Mike Gualtieri now suggests that JCache may be arriving in an environment populated with products featuring their own in-memory database engines that may eliminate or delay the need among some companies for a caching grid. "The primary use case for in-memory caching is to speed up applications that get bogged down by slower database bottlenecks," Gualtieri said. "A hot trend among the database vendors, such as SAP Hana and Microsoft SQL Server 14, is in-memory capabilities that dramatically speed up database access. These databases aren't just using more memory for old-school indexes of record caching. They have added in-memory database engines that take advantage of the hardware characteristics of RAM. Also, distributed NoSQL databases, such as MongoDB, can perform very well and have the same distributed architecture as Hazelcast and Terracotta."
Posted by John K. Waters on 03/25/2014 at 6:20 PM0 comments
The big news at the latest edition of EclipseCon North America, which wrapped up in San Francisco on Thursday, was Oracle's Java 8 announcements. The conference planners devoted an entire day at the show to Java 8 (George Saab's opening presentation on "Java Day" was standing room only). The Foundation itself is providing Java 8 language support as an add-on to the Eclipse IDE.
"We're pretty excited about the Java 8 language support for Eclipse Kepler (the latest version from last June's the release train)," Eclipse Foundation Executive Director Mike Milinkovich told me in an earlier interview. "The Eclipse Java development tools team has done a great job adding Java 8 support to the IDE, including a formatter, code completion, code navigation, search and indexing, a reconciler, and incremental builder support for all of Java 8. I think that the quick assist support for migrating anonymous classes to lambda expressions will be particularly popular with Java developers as they migrate their code."
During his conference keynote, Milinkovich talked about another Eclipse project that should get at least a bit of shine from the Java 8 spotlight: the Flux project. Formerly called Project Flight, Flux aims to design and implement a new architecture and infrastructure for integrating development tools across the desktop, browsers, and servers. As the project page describes it, "The goal is to provide an extremely flexible platform and infrastructure that allows new cloud-based tooling components to be built highly decoupled from each other and that bridges the gap to existing desktop IDEs at the same time."
But accomplishing this goal also involves providing connectors to such desktop dev tools as the Eclipse IDE, IntelliJ IDEA, NetBeans, and even plain text editors. This project will be distributed under both the Eclipse Distribution License and the Eclipse Public License, and it'll be hosted on GitHub.
The Flux Project is being led by Pivotal's Martin Lippert. He leads the Spring Tool Suite at Pivotal, which made the initial Flux code contribution. Pivotal spun off from EMC's VMware in 2012.
Milinkovich said he expected Orion, which was contributed to the Eclipse open source community by IBM, to become an increasingly important dev environment. The Flux integration of the Web-based tools of Orion with the desktop tools of Eclipse will give developers "the ability to use the right tools to work on their code, wherever they are," Milinkovich said. "They can use Orion to work on code on their tablet, or in an environment where a Web-based browser is the right way to go."
Milinkovich's keynote was entitled "Eclipse: The Next 10 Years." His talk covered a bit of Eclipse history and then he pulled out his crystal ball to make a few predictions about trends that will affect developers in the future. The Flux Project underscores the growing importance of the cloud, but what topped his list is the overall ascendance of software, which, thanks to the explosion of code bases, is quickly becoming the most important element of the enterprise. An example, he pointed to the Airbus Aircraft, whose planes use four times more onboard code than they did three years ago. Next on his list: the Internet of Things (IoT), which is definitely the next big thing for developers, he said. He pointed out that the Foundation currently has 14 projects in the IoT space, with more are on the horizon.
Posted by John K. Waters on 03/21/2014 at 9:25 AM0 comments
The delays are over, the final approvals are in, and the general availability release of the Java Platform, Standard Edition, 8 (Java SE 8) is right around the corner. What has been called a revolutionary upgrade of one of the world's leading software development platforms is due on March 18. Mark Reinhold, chief architect in Oracle's platform group, has described Java SE 8 as the largest ever upgrade in the history of Java, covering the programming model, as well as a "carefully coordinated co-evolution" of the virtual machine, the language, and the libraries.
This release incorporates several high-profile Java Specification Requests (JSRs), the most talked about of which is JSR 335, Project Lambda. Originally planned for the Java SE 7 release, but pushed back, Project Lambda extends support in the Java language and core libraries to enable the Java SE APIs to use lambda expressions (closures), which are anonymous functions.
Reinhold has called the support for lambda expressions in this release the single largest upgrade to the programming model, ever. Mike Milinkovich, executive director of the Eclipse Foundation, calls it a massive change of the Java language, libraries, and JVM.
"Without a doubt the most important new feature in Java 8 is lambdas," Milinkovich told ADTmag. "This is a sweeping change that modernizes the language, allows for a much more readable syntax, allows for better code generation, and helps the JVM make much better use of multicore processors. Inner classes were always a hack, and having proper closures in the Java language has been a missing feature for a very long time."
The Foundation is releasing Java 8 language support as an add-on to the Eclipse IDE at next week's EclipseCon. That add-on includes a formatter, a code completion feature, code navigation, search and indexing, a reconciler, incremental builder support, and "quick assist" support for migrating anonymous classes to lambda expressions. "I think [that feature] will be particularly popular with Java developers as they migrate their code," Milinkovich said.
Using lambda expressions will, among other things, make it easier for developers to write code for multicore processors. But on a more fundamental level, lambda expressions introduce the idea of functions from lambda calculus into the Java language, making the Java SE 8 release look like a step toward functional programming. The functional paradigm, which emphasizes the evaluation of expressions, rather than the execution of commands, and essentially eliminates the need for program state by expressing all computations in the form of functions that take arguments and return values, is used by such modern JVM languages as Groovy, Scala, and Clojure.
The lambda support in Java SE 8 alone makes it an important milestone for the language and platform, said IDC analyst Al Hilwa, but it's one of several changes that represents significant new functionality in this release.
"There are a variety of interesting things in SE 8, like the Streams API focused on parallel processing large data sets, Project Nashorn's faster JavaScript engine, and of course implementing Lambda expressions," Hilwa said. "These are significant changes to the language that will have a long-term impact as we shift into a highly parallel world populated with multi-core devices and big data. To see the team do this while simultaneously investing heavily in securing the platform in the face of escalating malware attacks everywhere is a huge achievement."
The list of new features in this also includes the new Date/Time API (JSR 310), Type Annotations (JSR 308), and a set of Compact Profiles, which allow Java SE 8 implementations to scale down easily.
One prominent Java initiative, Project Jigsaw, hasn't been included in this release. The Java-native module system is expected in Java SE 9.
"Generally, programming languages evolve slowly and with great focus on stability," Hilwa observed, "because the code has to continue to run for decades. Meanwhile, new innovations have to be accommodated, and so Java's governance model allows it to be evolved and adapt to new innovation, and this is what we are seeing here."
Oracle is hosting a live Java 8 Launch Webcast on March 25.
Posted by John K. Waters on 03/12/2014 at 10:35 AM0 comments
The long awaited, much anticipated release of Java SE 8 is nearly upon us. March 18th is the official release date, though numerous "launches" and other events will follow. A lot of work went into this release, with contributions coming from many quarters -- including Java User Groups (JUGs) around the world who participated in the Adopt-a-JSR program.
The Java Community Process (JCP), which manages the development of standard technical specifications for Java technology, launched the program in December 2011. Adopt-a-JSR encourages individual members of the Java community -- average developers working with Java day-to-day -- to "adopt" a Java Specification Request (JSR) by following its progress, supporting its expert group, reporting back to the wider community on its progress, and evangelizing its benefits.
The program aims to get JUGs involved in the Java standards process, and through those organizations, to promote "grass roots, developer-level participation in existing and emerging Java standards," the JCP says. The idea it to generate "earlier feedback, leading to more developer-friendly APIs;" "end user/developer expert input;" and to get the developer community to do more of "the heavy lifting."
To get that level of participation, the organization turned to the London Java Community (LJC) with the idea. LJC members Martijn Verburg and Ben Evans got the ball rolling, and the JCP considers the program to be "JUG-led."
"This is one of the best things to happen to the [JCP]," JCP chair Patrick Curran told ADTmag in a recent interview. "It has added some great energy and real enthusiasm."
The initial list of JUGs participating in the Adopt-a-JSR program included SouJava in Brazil, GoJava (Brazil), Houston JUG (US), and Chennai JUG (China). That list now reportedly comprises 20 JUGs, including Belgium JUG, Campinas JUG, CEJUG, Cologne JUG, Congo JUG, Faso JUG, Guadalajara JUG, Hyderabad JUG, Indonesia JUG, Istanbul JUG, Joglo Semar JUG, Jozi JUG, LJC, Madrid JUG, MBale JUG, Morocco JUG, Peru JUG, Silicon Valley JUG, and Toronto JUG.
Participants engage with the program on three levels: Starter, Intermediate, and Advanced (details here).
The JUG members contributed to many of the signature changes coming in Java SE 8, including JSR 335 (Lambda Expressions for the Java Programming Language), and JSR 310 (the new Date and Time API). The latter effort was led by LJC members James Gough and Richard Warburton.
JUGs have long been a valuable community resource for Java professionals. These volunteer organizations create opportunities to share information and to network, in person, with other Java practitioners. Most groups have some kind of Web presence, and there are some virtual groups out there.
Oracle also sponsors an Adopt OpenJDK program, which was launched in 2012. It has the same goals as Adopt-a-JSR, but focused on the open-source Java reference implementation. The program currently has 147 participants, and is administered by the LJC's Verburg.
Of course, the final release of Java SE 8 on March 18 doesn't end the Adopt-a-JSR program. For more information on how to get involved in work already under way for Java SE 9, go here.
Posted by John K. Waters on 03/12/2014 at 12:28 PM0 comments
There was a time when enterprise application development teams simple threw their code over the wall to the people charged with the task of localizing it. Those days are fading, of course; software developers in medium to large companies have been generating ever greater percentages of their organizations' revenues outside the West for the past decade. And the pressure to "go global" faster is ever increasing.
Consequently, say the industry watchers at the Cambridge, Mass.-based research firm Common Sense Advisory, it's time for the team responsible for adapting U.S.-made software to other languages and cultures (a process called localization) to join the Agile team.
"Agile goes so fast that the other teams supporting it have had to get much closer together," said Director of the Global Leaders Service Rebecca Ray. "Testing, documentation, even the marketing people -- everyone needs to get together. And the localization team needs to work closer with the app dev team, too."
Ray recently co-authored a research report ("Localization at the Speed of Agile: Best Practices for Making the Transition") with her firm's founder and chief strategist, Donald A. De Palma. The report looked at the unique challenges associated with implementing Agile localization through interviews with 21 companies that develop software and faced this challenge.
"Agile is the gateway to integrating internationalization and localization as they were meant to be in the software development process," the authors wrote. "No localization team should pass up the chance to make it happen."
You'd think the spread of lightweight development methodologies among app dev teams would offer a nice solution to this "go global" challenge, but Agile is not a natural fit with traditional localization processes, Ray said.
"Agile is really a different way of developing software," she explained. "It's much more circular than linear, so it basically breaks the more linear processes that have been used for localization in the past. It's a huge change for localization teams."
Yet it's a change that must be made, Ray said. The localization team must become a part of the Agile team from the beginning of a project. If you don't want it to break your software, "localization" must become part of the "definition of done."
"Make sure that you talk to the localization people up front, during design," she said. "When you put together your users stories, the localization people should be in that group. The definition of done has to include localization."
During their research, Ray and De Palma found three common strategies among the companies interviewed for "syncing up" localization teams and developers: 1) "lag one sprint behind developers," which allows localizers to test features that may not be finished until the last minute in the previous sprint; 2) "stay current with each drop," which requires a high degree of automation, especially if sprints occur every two weeks or less; and 3) "sync up when most of the user interface (UI) work is complete," which allows the localization team to avoid the huge churn in features that usually happens within the first few weeks after development begins.
The report emphasizes the importance of automation to the success of an Agile localization effort. "Things have to be automated enough so that the translation management software can be connected directly into the source code repositories," Ray said. "That way, the software can just pick up whatever strings have changed and shoot them off to the translation/localization provider."
Also, the integration of localization with Agile doesn't have to be an all-or-nothing proposition, the researchers suggested. "There are certain things you must get right and places where you have to align or integrate localization with product development processes," they wrote. "However, you don't need to attend every single Scrum, translate every iteration of every string, or deliver 100% human translation for all sprints. If you spend too much time creating a perfectly Agile process, you will likely lose much of the adaptability and flexibility that comes with the model."
The reprioritization of localization from a last-minute consideration mirrors in some ways the status evolution of software testing from the ugly stepchild of the software development process. Proper localization can be a matter of life-and-death when it involves medical devices or automotive applications.
"I want to be sure that the doctor in Turkey can read my MRI output," Ray said. "And when my Toyota Prius arrives, it better speak English to me, and it better speak it well. There can't be any mistakes in that dashboard."
"People should keep in mind that this should not be painful," she added. "It should just be, this is another business process, and here's what we need to do."
An extract from the report is available on the Common Sense Advisory Web site.
Posted by John K. Waters on 03/07/2014 at 9:53 AM0 comments
I've been covering tech trade shows and user conferences for more than two decades, and last week's RSA conference was the first in my experience to include a comedic keynoter who actually understood the technology and the issues surrounding it. Stephen Colbert, host of Comedy Central's "The Colbert Report," gave the conference closer in San Francisco on Friday to a packed house, and killed.
"RSA developed this conference in 1991 as a forum for cryptographers to gather and talk shop," Colbert said, "and I assume breed with one another. Of course officially that's called exchanging private keys."
Colbert kidded conference organizers for booking FBI director James Comey as a speaker, and noted the director's comment that "At our best, we are looking for security measures that enhance liberty."
"Well said director," Colbert said. "I'm sure that under enhanced liberty you can have all the privacy that you want-just like under enhanced interrogation you can breathe all the water you want."
He also dinged Scott Charney, head of Microsoft's Trustworthy Computing group, who also spoke.
"Not everyone can book a speaker from an Orwellian dystopia," he said. "I look forward to next year's speech from the executive director of Sweet Dreams Euthanasia Clinic, Incorporated."
Colbert laid into NSA leaker and conference buzz hog Edward Snowden during his talk, calling him "practically a war criminal" for taking top secret U.S. intelligence to China and then to Russia. "Was Mordor not accepting asylum requests?" he asked. (He's a known hardcore Tolkien fan.)
He also had a few choice words for the NSA: "We can trust the NSA," he said, "because without a doubt it is history's most powerful, pervasive, sophisticated surveillance agency ever to be totally pwned by a 29-year-old with a thumb drive."
Colbert addressed the boycott of the conference this year by 13 digital security experts, who canceled their talks after Reuters reported that RSA, the conference organizer and chief sponsor, had a $10 million contract with the NSA to set as the default in their encryption products a flawed formula for generating random numbers, which effectively created a back door.
Activists from Fight for the Future appealed to Colbert to join their boycott in an open letter, which read in part: "We know you, Stephen, and we know you love a good 'backdoor' joke as much as we do-but this kind of backdoor is no laughing matter...We want to hear your speech, but give it somewhere else!"
"The elephant in the room is that I was asked not to come [and] speak here," Colbert told his audience. "That came as something of a shock to me. Normally I'm asked not to be somewhere only after I've spoken."
"I looked at the signatures on the online petition," he added. "Then I looked at the signature-my signature-on the bottom of the contract saying I'd be here today, and my conscience was clear, as long as the check clears...Well, it's not actually a check. They gave me a bitcoin voucher from Mt. Gox, and I'm sure it's going to be fine."
At one point, Colbert offered a kind of acknowledgment of the American people for their support of the NSA's programs.
"We all deserve credit for this new surveillance state that we live in," he said, "because we the people voted for the Patriot Act. Democrats and Republicans alike. We voted for the people who voted for it, and then voted for the people who reauthorized it, then voted for the people who re-re-authorized it."
Colbert also pitched his own data security venture, CloudFog. "We take a novel horizontal approach to vertical socket encryption," he said. "The result can only be described as diagonal."
Here in Silicon Valley, smart often equals rich. I'm glad to see it sometimes equals funny.
Posted by John K. Waters on 03/03/2014 at 3:27 PM0 comments
It's been a while since I attended a conference keynote presented by a speaker as apparently pissed off as Nawaf Bitar, senior vice president and general manager at Juniper Networks. His RSA Conference talk, entitled "The Next World War Will be Fought in Silicon Valley," was seasoned with infuriation and rife with get-off-your-butt admonitions.
"Our privacy is being invaded," he said. "Our intellectual property is being stolen. The public trust is at an all-time low. The attack on our information is outrageous. But you know what? I don't think we give a damn. I'm fed up with talking about outrage. It's easy to talk about outrage."
He then went on to compare what he considered true outrage -- the self-immolation of Tibetans protesting China's rule of their country, Nelson Mandela's refusal to renounce his views in exchange for release from prison, and the Tiananmen Square protests of 1989 -- with "liking" a cause on Facebook, retweeting a link, posting a bad review, and boycotting a tech security conference (referring, one assumes, to the 13 speakers who canceled their scheduled talks at the event over allegations that RSA agreed to incorporate a flawed encryption formula into one of its security products to satisfy a secret $10 million NSA contract.)
The second group, he said, are examples of "a new American disease," which he called First World Outrage.
The problem is, we're not really paying attention, Bitar declared, even when we're warned in no uncertain terms. He pointed to a Wired article (http://www.wired.com/threatlevel/2012/03/ff_nsadatacenter/) by James Bamford published in 2012 entitled "The NSA Is Building the Country's Biggest Spy Center (Watch What You Say)," which quoted an unnamed U.S. intelligence official: "Everybody's a target; everybody with communication is a target."
"We were explicitly told that we would be spied upon," Bitar said. "There are data centers and data closets all over the world collecting an unprecedented amount of our personal information…. We now know with stunning clarity how deeply our privacy is being invaded. What's really changing?"
Not that we would sit still for everything, Bitar allowed. Threats to families and livelihoods never fail to move people to action. If Edward Snowden's NSA revelations had raised our taxes, he argued, there would have been rioting in the streets. But it's "high time" that we added our information to that very short list of things we truly care about.
We are now facing the unintended consequences of our response to 911, he said, which, among other things, fueled a well-meaning U.S. government to build an information collection system "the like of which the world has never seen."
"Fast forward to today, and we have direct evidence of the depth and breadth of this information collection," he said. "The meta data of our phone calls. Backdoor access to systems. Deciphering encryption keys. Spying on companies. Spying on everyone!"
We should also be concerned (if not actually freaking out) about the changing threat landscape, he said. The past five years have seen attacks against nuclear sites, power grids, and the intellectual property of companies by hactivists, thieves, and increasingly nations seeking to exploit weaknesses in the "cyberfabric" of other nations. Government officials have voiced concerns that cyber attacks might now pose a greater threat than terrorism.
In fact, a cyber attack could, he asserted, lead to actual war.
"If an enemy shot down one of our passenger airliners, we would go to war," he said. "If a nation state compromised our air traffic control system and two passenger airliners collided, would we not also go to war?"
It took him a while to get there, but Bitar finally arrived at his call to action.
"Our information is being stolen," he said. "As individuals and citizens, we should be truly outraged -- not first-world outraged. The time for apathy is over. We cannot go on the offensive and hack back; we would lose the moral high ground. But we can no longer remain passive. It's time for a new type of defense, an active defense that disrupts the economics of hacking and challenges convention, a type of defense that interferes with the attackers, that breaks algorithms, that disrupts data collection. It's time for all of us to turn the tables on the attackers."
Bitar's concerns are not new, of course, and he offered no specific solutions. But his effort to create a kind of historical context for the current state of affairs in the world of cyber security was engaging, and his unvarnished outrage was refreshing. He didn't set himself on fire, so I'm not sure whether he could be faulted for expressing First World Outrage, but judging by the audience response to his talk, I suspect that he might have lit a fire under at least a few attendees.
Posted by John K. Waters on 02/26/2014 at 10:29 AM0 comments
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Symmetry and structure of rotating H-3(+)
UNSPECIFIED. (1999) Symmetry and structure of rotating H-3(+). JOURNAL OF CHEMICAL PHYSICS, 111 (1). pp. 140-150. ISSN 0021-9606
Full text not available from this repository.Abstract
We present a global study of how the relative equilibria of the H-3(+) ion change as the angular momentum J increases. A relative equilibrium is a classical trajectory for which the molecule rotates about a stationary axis without changing its shape. The study confirms previous results which show that the geometry of the minimum energy relative equilibria changes from an equilateral triangle to a symmetric linear configuration at around J=47. The series of bifurcations and stability changes that accompany this transition is presented in detail. New results include the discovery that the rotating equilateral triangle remains linearly stable for a large range of angular momentum values beyond the point where it ceases to be a minimum of the total energy. A third type of relative equilibrium, a rotating isosceles triangle, is also found to be linearly stable in the approximate range J=0-34. Both the equilateral and isosceles triangle configurations lose stability via Hamiltonian-Hopf bifurcations. The frequencies and symmetry species of the normal modes of the stable relative equilibria are computed and harmonic quantization is used to predict how the symmetries of the lowest lying quantum states will change as J increases. Energy level clustering due to tunneling between symmetry-equivalent relative equilibria is described. (C) 1999 American Institute of Physics. [S0021-9606(99)02325-9].
Item Type: | Journal Article |
Subjects: | Q Science > QC Physics |
Journal or Publication Title: | JOURNAL OF CHEMICAL PHYSICS |
Publisher: | AMER INST PHYSICS |
Official Date: | 1 July 1999 |
Volume: | 111 |
Number: | 1 |
Number of Pages: | 11 |
Page Range: | pp. 140-150 |
Publication Status: | Published |
URI: | http://wrap.warwick.ac.uk/id/eprint/14426 |
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'The Happiest Place on Earth'
No head for drink? Then hand over $20 for puke insurance: if you barf, staff'll clean up. Otherwise, you're on your own at Double Down Saloon; 'The Happiest Place on Earth', they bill it, and with good reason.
The music is loud, whether from the impeccably punkish jukebox or the regular bands, and the vibe is welcoming. Specialties include Ass Juice ($3 each, three for $11) and bacon martinis (no one's ever had two). Beers are a better bet.
Double Down Saloon
4640 Paradise Road, Las Vegas, NV, Las Vegas
Phone: 702-791-5775
Website: www.doubledownsaloon.com
Open Hours: 24hrs daily.
Categories: Cocktail bars, Rock pubs, Beer , Music bars


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Partnership to Link Training and Resources for Housing Counselors & Financial Counselors
Press Release
April 29, 2015
The Counselor's Corner and LifeWise Strategies announce a partnership to leverage the two organizations' training platforms and tools for financial educators and counselors.
Marriage Done Right: Starting off right financially an important step for successful marriage
The News-Sentinel
James E. Sheridan – April 29, 2015
"Money Habitudes Guide for Couples," which is available online, can help you and your spouse learn how you see money. The Michigan Association of CPAs (MACPA) explains, "The more you understand your spouse's values and attitudes concerning money, the easier it will be to avoid conflicts and misunderstandings."
Reliability Analysis of Money Habitudes
The Journal of Extension
Lucy M. Delgadillo and Brittani S. Bushman – April 2015
Each Habitude or "domain" was analyzed using Cronbach's alpha procedures. Results showed all six domains had acceptable levels of reliability. Family finance and consumer science Extension agents can feel confident in using the Money Habitudes tool with individuals and couples.
Easy Ways To Approach Hard Conversations
MyNDTALK radio
April 17, 2015
Why is money such a complex topic? What did we learn about money as children? What is our internal money language?
Embedding Job and Career Advancement Services in Healthy Marriage Programs: Lessons From Two Programs in PACT
Mathematica Policy Research and the Office of Planning, Research & Evaluation at the U.S. Department of Health and Human Services, Administration for Children & Families
Heather Zaveri and Robin Dion – April 2015
EPCC occasionally offers a supplementary session called Money Habitudes, where couples explore their similarities and differences about saving and spending. Also after couples at EPCC have attended four sessions of the marriage and relationship skills workshop they earn up to $150 in "credit" that can be applied to training or education costs.
8 Basic Money Lessons Everyone Should Know
Daily Worth
Natasha Burton – March 24, 2015
Money communication expert Syble Solomon, who's a member of the Financial Therapy Association, says that most couples talk about money only when they're in crisis situations, if at all.
10 tips to help you talk to your honey about money
The Lebanon Democrat & Wilson County News
Shelly Barnes – Mar 18, 2015
Here are ten tips to help you get started from Syble Solomon, a motivational speaker with an informative message about the psychology of money. Solomon is an expert on how people interact with and relate to money.
Couples And Money: How To Talk Money To Your Honey
MyNDTALK Radio
Pamela Brewer – March 5, 2015
Join Dr. Brewer for a conversation with a MyNDTALK regular, Syble Solomon, creator of Money Habitudes. How do we talk about money? Do we say what we truly think and feel about money?
Retirement Money Talk 2.0: 5 Ways to Get on the Same Financial Page as a Couple
February 27, 2015
Another strategy Solomon recommends: Look at the lives of already retired family and friends. "Talk about what they did that impressed you, surprised you, and could work for you—or whether their example raises issues that you would want to avoid."
Bringing Financial Stress to Work?
The Next Now (The Hartford)
Allison Kade – February 26, 2015
It's no secret that money problems can spell big trouble at home. Seventy-five percent of the U.S. population cites money as their top cause of stress according to the American Psychological Association, and married couples who have frequent financial arguments are far more likely to break up than those who don't.
Workshop on family finances
Fayetteville Observer
Drew Brooks – February 22, 2015
"We know that financial stress is something so many people are dealing with, and we want to help," Frank E. Eng, a USASOC family advocacy specialist, said in a news release. "By participating (in the workshop), people are dealing with it, and we want to help."
In Love? 9 Financial Facts To Know About Your Partner Before Commitment
Laura Shin – February 12, 2015
Katie Brewer, certified financial planner, also suggests trying out a card game called Money Habitudes.
10 things your spouse won't tell you
Catey Hill – February 12, 2015
Four in 10 women and three in 10 men admit to hiding purchases from their significant other, according to a 2014 survey from American Express.
Tips for Service Providers: Healthy Financial Management Skills
National Resource Center for Healthy Marriage and Families
Victor W. Harris – January 14, 2015
When individuals have a good understanding of their partners' habits and attitudes, or "habitudes," towards money, they are more likely to have discussions and negotiate conflicts in healthy ways. Using resources such as Syble Solomon's Money Habitudes products can be a constructive way to help couples discuss money and learn more about each other
9 Toys That Teach Kids About Money
Daily Worth
Carinn Jade – December 10, 2014
Kids today are tackling all sorts of complex subject matters: playing the violin, learning to speak Mandarin, and programming with Javascript. But what about teaching them about money?
Ask These Money Questions and You'll Stay Out of Debt
Credit Donkey
Allison Kade – December 9, 2014
The only way around such regrets is to come up with a game plan. With the help of personal finance expert Syble Solomon, who has created Money Habitudes (fun tools for people to get a handle on their money), we came up with questions you should ask yourself every time you are about to part with your money.
Money Habitudes is the topic for next Curiosity Club
Marshall Democrat-News
December 5, 2014
People unexpectedly began sharing their stories and secrets about money with Syble Solomon during workshops on life transitions. Seemingly rational, intelligent men and women would confide their irrational behavior related to money. Even though they knew better, they would continue to make poor money choices.
The easiest way to build your credit score?
Miranda Marquit – December 3, 2014
"For most people, their credit score is going to be largely determined by their use of cards," says Lee Gimpel, a credit expert and developer of The Good Credit Game, a financial education curriculum. "It's more common for people to have a credit card than, say, a mortgage."
5 ways to talk about money with your family this Thanksgiving
Deseret News
Linsy Hunsaker – November 27 2014
DeseretNews.com talked to Syble Solomon, creator of the Money Habitudes conversation starters, to find out what she thought about talking money at Thanksgiving.
MyNDTALK Radio
Pamela Brewer – November 21, 2014
What if there was a fun, non-judgmental way to learn more about your money attitude?
Conversation Starters for Beyond the Thanksgiving Table
The New York Times (Motherlode blog)
Ron Lieber – November 20, 2014
I was more intrigued by a more outward-facing statement: "I am frequently amazed at how much money some of the people my age spend on themselves." Some great follow-up parental questions present themselves immediately: Whose money are those other kids spending, really? On what? Should we limit your spending, even if it's money you earned?
How to make the right purchase for home, the road and beyond
Deseret News
Linsy Hunsaker – November 13, 2014
"Families should realize that it's possible to be 'too good' at saving," Syble Solomon, creator of the Money Habitudes card games and books
Guide to Teaching Kids About Money & Finance
October 28, 2014
Syble Solomon also suggests that realistic expectations are set. "Chances are you occasionally buy something you don't absolutely need. You don't have to look like a miserly saint for your kids' sake. Be realistic and responsible with money and preach the same for them."
10 Ways to Finally Avoid Overspending
Allison Kade – October 23, 2014
Syble Solomon, a personal-finance consultant and founder of LifeWise Strategies, let us in on the sneaky ways our psychology can fool us into overspending.
Cash or Credit? Prepaid cards offer a mix of both
MoneyMix (Credit Union National Association)
Aubre Andrus – October 21, 2014
Regardless of which type of plastic you use, there's one thing to keep in mind: the "disconnect between real cash money and invisible plastic money in an account," says Gimpel. "People tend to spend less when they use cash versus plastic."
How to save when it's never worked before
Miranda Marquit – October 16, 2014
Lee Gimpel, a consumer credit educator and the co-developer of The Good Credit Game, has five helpful tips for creating your rainy day fund.
How well do you know your dough?
The Durango Herald
Matt Kelly – October 14, 2014
In addition to the JA classes, Know Your Dough offers: The Money Game, which promotes financial literacy as an essential life skill, and Money Habitudes, which helps students talk about money, understand their spending habits and find their money personality.
Money Habits
Read My Lips Radio
Bonnie D. Graham – October 6, 2014
Money, money, money makes the world – and our lives – go around or grind to a screeching halt. It's touted as the #1 cause of stress and #1 reason for divorce. Money habits pop quiz: Are you a penny-pincher, a wise and careful spender, or a carefree-careless spendthrift? Take heart. Financial Behaviorist Syble Solomon will discuss the Psychology of Money and how her Money Habitudes deck of cards can help you discover what influences your personal money management decisions.
The Money Conversation Americans Need to Have
Wall Street Journal
Carolyn T. Geer – September 27, 2014
Try scheduling a mutually convenient time when you're both likely to be in the right frame of mind, says Syble Solomon, author of "Bringing Money into the Conversation," a guide for therapists working with clients with money issues, and creator of "Money Habitudes," a card game designed to get people comfortable talking about money.
Lying to kids about money
The Morning Show – BYU Radio
September 24, 2014
Credit where credit is due: new consumer-friendly changes to the FICO formula
NWI Times
Erik J. Martin – September 22, 2014
The bottom line: Many will now be able to afford more house for the same monthly payment or pay less per month in mortgage payments, says Lee Gimpel, co-developer of the financial education tool The Good Credit Game, who's based in Wilmington, North Carolina.
Sharing Finances in a Relationship? 5 Stats You Should Know
Wall St. Cheat Sheet
Erika Rawes – September 17, 2014
As one of the most notorious problems a marriage or relationship may face, money and financial issues often cause strain among millions of couples.
4 times it's OK to lie to your kids about money
Catey Hill – Sept 10, 2014
Syble Solomon, the creator of Money Habitudes , a program that helps people learn to talk about money, puts it: "Lying and pretending rarely have good long-term consequences."
Financial habits on the Maggie Linton Show
Sirius Radio
August 27, 2014
Overcome Your Limits Radio Show
Christopher E. Powell – July 15, 2014
In this episode of the Overcome Your Limits Radio Show, host Christopher E. Powell speaks with credit expert Lee Gimpel from LifeWise Strategies, LLC.
How prison inmates learn about money
Catey Hill – July 10, 2014
"In terms of the person living a normal life and not ending up back in jail, financial literacy is a big part of the equation," says Lee Gimpel, a spokesperson for Money Habitudes, a financial literacy organization.
Utah children sharpen their financial literacy over summer
The Salt Lake Tribune
Lisa Schencker – July 8, 2014
Though Utah already ranks high when it comes to financial literacy, Fidelity Investments and Utah State University (USU) Extension 4-H launched a new Money Mentors program this summer to try to boost that knowledge even further. In May, more than 60 Utah teens from 11 counties trained in the subject, and this summer, they're teaching their peers across the state what they learned. Program leaders expect to reach at least a few hundred kids this summer.
Midday Interview: Financial Behaviorist Syble Solomon
Jemila Ericson – June 10, 2014
Financial behaviorist Syble Solomon gives a talk called DeMystifying Credit
Overcome Your Limits Radio Show
Christopher E. Powell – June 9, 2014
Listen to the Overcome Your Limits Radio Show with breakthrough and motivational coach Christopher E. Powell to get the inspiration and insight you need to dramatically improve your life and make a difference in the lives of others.
When buying quality is worth it
Mary Fetzer – May 31, 2014
"Some people take the save-save-save mantra too much to heart and are too good at not spending money," said Gimpel.
Psychology of Money
Financial Fitness Show (radio)
Chip Cummings – May 25, 2014
This week on the show we had guest Syble Solomon! Syble is a motivational speaker and expert on the psychology of money. She discussed her "Money Habitudes" teaching aid, which is a easy and unique way to gain a better understanding of the ways in which you tend to think about money
New credit curriculum provides a better way to teach classes on credit reports, credit scores and credit cards
Press release
May 20, 2014
LifeWise Strategies announces the release of The Good Credit Game, an innovative curriculum kit for teaching credit classes. The credit curriculum stands out for its emphasis on being fun – both for financial educators and for students learning about credit reports, credit scores and credit cards.
5 reasons to ditch the debit card
USA Today / The Motley Fool
Justin Boyle – May 18, 2014
"If you pay your bills as agreed and on time, that's usually the biggest factor in a score, and using less than 30 percent of your credit limit helps you," says Lee Gimpel, co-developer of financial education tool The Good Credit Game.
11 Money Mistakes You Probably Don't Know You're Making
Yahoo! News / DailyWorth
Molly Triffin – April 23, 2014
"Many of these costs recur year after year, which really adds up — and often the savings from correcting such mistakes is hundreds, if not thousands, of dollars annually," says Lee Gimpel, director of development for LifeWise Strategies, which produces Money Habitudes and The Good Credit Game.
Planning to Have a Money Talk? Avoid these 4 Times
Cash Money Life
Miranda Marquit – April 18, 2014
Many of us know that it's important to talk about money with a partner. Whether you are having "the money talk" for the first time as you prepare to move in together or marry, or whether you have combined your finances and you just checking in regularly, it helps to choose the right time to have your money talk.
'Money Smart' events at libraries
April 5, 2014
This is "Money Smart Week," according to the American Library Association, and the New Hanover County Public Library is joining in the celebration. On Monday, the system will play host to speaker and life coach Syble Solomon.
How Do You Score on Credit Scores?
AFCPE – The Standard
Syble Solomon – 2nd Quarter 2014
Here are ten of the most common credit facts that surprised participants in focus groups during the development of a new game, called The Good Credit Game.
In the Cards: Money habits
Jenny Callison – April 2014
Syble Solomon can tell a lot about people by examining their spending habits. In fact, for the past ten years as what might be termed a behavioral economist, she's been helping people –especially women – better understand themselves and their attitudes toward money.
Bridge Street Hosts Health and Wellness Conference
The Intelligencer / Wheeling News-Register
Rebecca Olsavsky – March 30, 2014
What did Bridge Street Middle School students learn in school on Thursday? Money Habitudes, social media safety and how not to fall for a jerk.
Are Your Friends Hurting Your Finances?
Jill Elaine Hughes – March 4, 2014
If they're solely focused on saving money, "it may also mean that you then tend to spend money on the cheapest thing possible, like the used car that's always breaking down, the clothes that fall apart after three washings, or you don't take a vacation or invest in yourself [by, for example,] going back to school," explains Solomon.
How to Stop Fighting Over Money
Real Simple
February 26, 2014
Money is the top reason couples fight, but it doesn't have to be. Whether or not your resolutions have to do with strengthening your relationships, the new year is a great time to refresh the way you connect.
Monthly Savings Plan: Your Savings Calendar: How to Save Money, From January to December
February 26, 2014
Of course, plane tickets aren't the only expensive costs on the horizon. As you shift into holiday-spending gear, Solomon recommends making a list of ten things you spent money on last holiday season and ranking them from 1-10 on how valuable you think they were in hindsight.
Feel like it's time to intervene in a friend's finances?
Kristin Wong – February 24, 2014
So how do you know when it's time to intervene with a friend's money mistakes? Is a "money intervention" ever a good idea? Syble Solomon is an expert in talking to people about money. That's what she does for a living as the Founder and President of LifeWise Strategies and creator of Money Habitudes. "Before offering anyone advice, ask yourself a few questions," Solomon says.
Three Questions You Should Ask Yourself Before Making a Purchase
Holly Crawford – February 20, 2012
"If a bigger house means you have the space to do things you value, like work from home or comfortably entertain a large family or group of friends, the increased space could bring happiness," saysSyble Solomon, founder of LifeWise Strategies.
6 Times We Betray Our Budgets (And Clever Ways To Stop)
Forbes / LearnVest
Allison Kade – January 28, 2014
For advice on recrafting tempting situations into opportunities to exercise self-control, we spoke to Julia Galef, president and cofounder of the Center for Applied Rationality, and Syble Solomon, executive coach and creator of Money Habitudes, a game-like set of cards which helps start conversations about money.
Talk To Your Honey About Money!
The New Relationship Reality Show – WebTalkRadio
January 27, 2014 – Kat Knecht
January is the most stressful month when it comes to our finances. Those stresses explode when the money issues exist within a relationship.
Budget Wars: Coming to a Solution When Partners Disagree
Money Living
Andrea Williams – November 12, 2013
Most financial programs are very skills-driven and ignore the habits, attitudes, behaviors, values and emotions that go into financial decisions. Money Habitudes shows people that they are a mix of different money personality types or tendencies and that each of those has its strengths and challenges.
Book Review: Bringing Money Into the Conversation
The Standard
Linda A. Stortz – October 24, 2013
Bringing Money Into the Conversation provides valuable information and resources. Even though the title of the book implies it was written for therapists, the book is also relevant for all financial professionals.
Fighting About Money? Beware!
Psychology Today
Susan Heitler, Ph.D. – September 17, 2013
Money Habitudes cards offer a fun way to can help couples to build a foundation of mutual understanding, respect and even good humor vis a vis their differing money habits and attitudes. After playing with Money Habitudes cards, subsequent discussions about money issues are likely to feel less emotionally loaded.
When to visit a financial therapist
MSN Money
Gordon Powers – September 9, 2013
For couples, the real issue is often what money represents to each person: She thinks he's cheap because he won't pay for their son's car insurance. He thinks she's enabling the boy who should take responsibility for paying the premiums himself.
A Guide To Talking About Money With Your Spouse
Susan Heitler – September 2013
One way to begin a conversation about what money means to each of you is to play the card game Money Habitudes. The cards offer fun and easy way to explore your money habits and attitudes.
Friend Money Interventions: A Good Idea?
Anna Williams – July 25, 2013
The subjects we tend to skirt with acquaintances—religion, politics, sex—are often free rein in close friendships. Yet discussing money can sometimes be a whole different ball game.
Solomon receives youth financial literacy award
Greater Wilmington Business Journal
Evan Amezcua – June 4, 2013
Syble Solomon, founder of LifeWise Strategies LLC, has won the 2013 N.C. Jump$tart Award for Outstanding Contributions to Financial Education for Youth.
What's Your Financial Personality Type?
Casey Bond – May 24, 2013
Syble Solomon, who is an expert on the psychology of money and founder of LifeWise Strategies, advises that while Impulsive types are not typically associated with being good with money, that isn't necessarily always the case.
Syble Solomon wins Award for Outstanding Contributions to Financial Education for Youth
Press Release
April 30, 2013
"Syble Solomon has worked with young people in North Carolina and across the United States to help them understand their money personalities and have great conversations with their peers and family about money," says Tami Hinton, President of the North Carolina Jump$tart Coalition.
Bedtime buyers: Tablet, smartphone users curl up and shop at night
The Courier-Journal
Jere Downs – April 28, 2013
It's as if the televised Home Shopping Network craze of a decade ago can now take place anytime, anywhere, on your mobile device, said Syble Solomon, a personal finance consultant and author of "Money Habitudes," a game that helps consumers explore how and why they spend.
Face Your Financial Fears
AVIVA – Best You
April 16, 2013
"Money represents so many emotional things to us," notes executive coach and financial behaviorist Syble Solomon, based in Wilmington, N.C. "You may associate it with freedom or security or with tension over bills when you were a child."
Northwest Family Services (NWFS) "Long" Survey Results from October 2012 to March 2013 for Formative Evaluation of the Community-Centered Healthy Marriage and Relationship Grant from the OFA
Educational and Community Supports – College of Education – University of Oregon
Tary Tobin, Ph.D. – April, 2013
Services in three tiers will enhance family and economic stability among the participants. Within My Reach or Prevention and Relationship Enhancement Program is used as the core healthy marriage/ relationship curricula. Money Habitudes, Credit Smart (Freddie Mac curriculum). Parenting programs include: Parenting Inside Out, Family First , and Love and Logic.
New Book Helps Therapists and Counselors Talk About Money
Press Release
January 28, 2013
"Bringing Money Into the Conversation" serves as a how-to guide for professionals working with clients with issues related to money.
This generation is leaving Neverland
Directions For Women
Peg Downey, CFP – January 26, 2013
You know how we love an inspirational story! Well, this one has true fairy tale quality, but with a slightly different ending, as the princess rides her own horse into the sunset. It's the story of Syble Solomon, who happens to be our next webinar presenter
Money Habitudes
WHQR – Midday Interview
Jemila Ericson – January 4, 2013
Syble Solomon tells us about Money Habitudes.
A Developmental Approach to Work-Readiness
Innovative Practice Projects (Pacific University – School of Occupational Therapy)
Megan George and Kate Brigden
Activity Modules – Managing Finances & Budgeting: This activity is a reflection of personal beliefs of obtaining, spending and saving money. This can be used to for an individual to gain insight of personal spending habits and routines and how they may impact their financial stability.
The Why Behind Our Money Decisions
University of Illinois Extension
Paul McNamara and Kathy Sweedler – December 10, 2012
Money Habitudes are not necessarily bad or good. However, when they affect our decisions without us being aware of them, they may be holding us back from reaching our goals. This time of year is a good time to think about what influences how we use money.
Financial Tips: How to Stop the Arguing About Money
Susan Crandell – December 3, 2012
As I flipped through the cards, making my choices, it triggered all kinds of memories of money decisions I've made, for better or worse – call them the ghosts of finance past.
New and Improved Version of Money Habitudes Released
Press release
Nov 29, 2012
Award-winning money personality tool and conversation starter features improved readability for low-literacy audiences.
Money and Marriage: Couples Help at Midlife
Susan Crandell – November 26, 2012
The issues couples face about money are very rarely about money. Usually it's a conflict of values or perspectives, or a reflection of our fears about money," says Syble Solomon, a popular speaker on the psychology of money.
Mind your money
Winnipeg Free Press
Joel Schlesinger – Nov 24, 2012
In her award-winning guide Money Habitudes: A Guide for Professionals Working with Money Related Issues, Syble Solomon writes six Money Habitudes — habits and attitudes about finances — describe just about every facet of our relationship with the dollar.
Why we spend the way we do
Jere Downs – November 8, 2012
I run away from money, and money seems to run away from me. In the past, I have spent spontaneously and had trouble containing that impulse. Yesterday, author Syble Solomon helped me understand why.
An Ounce Of Financial Prevention
Public News Service – WV
Dan Heyman – October 22, 2012
According to financial educator Syble Solomon, the key findings confirm that people make mistakes when under stress. She says this helps explain why people make the same errors over and over again – because each problem makes the next one harder to deal with.
Scary Money Matters With Stepchildren on Stepmoms Toolbox
Paula Bisacre – October 2, 2012
To help make it easier and to add a little fun to your talks about money in your remarriage and with your blended family members, I personally recommend using Syble Solomon's Money Habitudes cards to help you tackle the serious business of talking about money in your life.
Journal of Extension
The Financial Education Tool Kit: Helping Teachers Meet State-Mandated Personal Finance Requirements
Eileen St. Pierre, Charlotte Richert, Susan Routh, Rachel Lockwood, Mickey Simpson – June 2012 (Volume 50, Number 3)
The Financial Education Tool Kit was originally designed by a group of OCES Family and Consumer Sciences (FCS) educators on the Family Economic Well-Being Impact Team. Before receiving a kit for their county, Extension educators need to undergo training on its contents … The Financial Education Tool Kit includes: The Nail Game, Money Habitudes for Teens Cards, The Spending Game, Building Wealth CD-ROM, Paycheck Power BOOSTER calculator, Dollar Decisions Spending Cards, Copies of the National 4-H Curriculum, Financial Champions.
Mom vs. Dad: How much money should you spend on your child?
Lisa Steinke – May 17, 2012
Syble Solomon, an expert on helping couples talk about money and founder of Money Habitudes, says, "Money is the number one reason that couples argue. And fighting over how to spend it on their children is a manifestation of that larger issue." Solomon says couples must learn how to talk about money in an easy, respectful way.
News and Tribune
Making sense out of finances
Amanda Arnold – April 27, 2012
During the game, the participants sorted through cards that represented six areas of financial mindsets, such as spontaneous, secure and goal orientated. The idea was to find a commonality in the cards, and some people were surprised with what they learned.
Press Release
Money Habitudes: How To Be Rich in Life & Love Wins Excellence in Financial Literacy Education Award
April 19, 2012
Engaging and innovative financial education curriculum with a focus on the psychology of money and behavioral economics helps teens with personal finances and relationships.
Student Financial Literacy: Campus-Based Program Development
Dorothy B. Durband (Editor), Sonya L. Britt (Editor)
April 4, 2012
This card-style, game-like tool aids people in understanding their habits and attitudes towards money. It also highlights the how, when, and why people use money, especially concerning saving and spending.
AFCPE – The Standard
Parting Ways: 10 Tips for Counseling Clients Through Divorce
Lee Gimpel, 2nd Quarter 2012
If you're working around finances, the chances are good that your work and advising will touch on divorce. Here are some tips to think about it the right way.
VoiceAmerica Radio
The Money Answers Show with Jordan Goodman
January 30, 2012
Jordan Goodman is "America's Money Answers Man" and a nationally-recognized expert on personal finance. He is a regular guest on numerous radio and television call-in shows across the country, answering questions on personal financial topics. He appears frequently on NBC's The Today Show, Fox News Network, Fox Business Network, CNN, CNBC and CBS evening news.
Washington Post
Color of Money Live web chat with Michelle Singletary
January 12, 2012
Washington Post personal finance columnist Michelle Singletary offers her advice and answers your questions. My guest will be Syble Solomon, creator of the card game, Money Habitudes, and my December Color of Money Book Club pick.
Why We Fight: The Top 8 Reasons Parents Fight Over Money
Amy Hatch, 1/5/12
I turned to experts Syble Solomon, financial expert and creator of the interactive tools "Money Habitudes" and Dr. Taffy Wagner, author of "Bride and Groom Money Talk FAQ." They shared the top eight situations that couples fight about when it comes to money.
Journal of Financial Counseling and Planning
Book Review – Mind Over Money: Overcoming the Money Disorders That Threaten Our Financial Health by Brad Klontz, Psy.D. and Ted Klontz, Ph.D.
Syble Solomon, December 2011
Even though the book is chock full of references to research in fields such as psychotherapy, the social sciences, neurobiology, finance and economics, their style of sharing information feels more like listening to and learning from an engaging, non-judgmental friend than reading a book about serious financial behavior.
Washington Post
Card Game Draws Out Your Attitudes About Money
Michelle Singletary, December 3, 2011
We don't talk about money enough … This simple but extraordinarily insightful game is the Color of Money Book Club selection for December.
National Council on Family Relations
Reliability of Money Habitudes
Lucy Delgadillo, Alena Johnson and Samantha Nelson, November 16, 2011
The purpose of the Money Habitudes activity is to get people talking about their habits and attitudes when it comes to money. This can be especially helpful when working with couples. This study will present evidence for the reliability analysis of the Money Habitudes statements used in the activity.
Proceedings of the Association of Financial Counseling and Planning Education (AFCPE)
Looking for Change in All the Right Places: Partnerships that really work!
Syble Solomon, Dena Wise and Ann A. Berry, November 15, 2011
Money is such an emotionally charged topic that people want to avoid it. The challenge is getting people to voluntarily attend programs to discover their own emotional triggers and learn money management and communication skills so they can react differently.
Delaware Moms
Money Talks and So Should You: 5 Common Mistakes Parents Make About Finances
Janel Atlas, 11/1/11
"Too often, people set goals around money that are too vague, such as, 'This year I want to save more' or 'I want to buy a car when I'm 17,' " says Syble Solomon, an expert on how people interact with money.
Build a better relationship with money
Home & Family Finance Radio
Paul Berry – July 29, 2011
Syble Solomon, executive coach and founder, LifeWise, explains why we sometimes make poor financial decisions even when we know better.
Between The Sheets Blog
Expert Interviews: Money Habitudes
Jay and Laura Laffoon, 7/7/11
Tri City Tribune
Money: A cause of stress in many relationships
Ron Price, 6/9/2011
Playing Money Habitudes gives a couple a safe environment where each can share freely how and why they view money and finances in a particular way.
Tri City Tribune
Money: Topic can cause turmoil in relationships
Ron Price, 6/17/2011
By playing the Money Habitudes card game each person will discover, or more clearly understand, their own and the other's typical money behaviors associated with their dominant "Habitudes."
Knoxville News Sentinel
What is your money 'habitude'?
Susan Alexander, 5/9/11
The point of the workshop session was that these habitudes are important to understand when one is in a financial crisis or attempting to help someone who is. I'd suggest they're useful, crisis or not.
News & Observer
Tips for learning about money
Sue Stock, 5/1/11
The funny thing about a recession is that it forces people to get real about their money – something that many avoid at all costs when times are good.
CBS MoneyWatch.com
Best Ways to Spend Your Tax Refund
Loren Mooney, 4/7/11
When trying to change a habit like this, it's essential to understand why you do it in the first place, says Syble Solomon, a financial behavior expert and founder of Money Habitudes, a card game designed to help identify money attitudes and habits.
10 Things Your Spouse Won't Tell You
Catey Hill, 2/24/11
"When I was growing up, my mom would always tell me after we went shopping: 'don't tell your father.' Without realizing it, I got the message and here I was 40 years later still 'not telling'"
Hilton Head Magazine
Love & Money
Emily Johnson, CFP, CDFA
Financial planning is certainly about money, but more importantly, it is about people and their relationship with money.
MSN Money
Committing 'capital' crimes? CSI 'em
Donna Freedman 12/21/10
Motive doesn't always make sense. If you're barely making bank, adding to the bills is just stupid. But overspending provides "some kind of payoff," according to financial behaviorist Syble Solomon.
Richmond Bride
In the Cards
December, 2010
When couples get engaged, they often talk about how many children they want, or whether they want to live in the country, the suburbs or the city. But the topic of finances is sometimes not broached, even though money is the source of many marital disputes.
Inside 919 (North Carolina)Top 3 Reasons You Must Understand Your Money Habitudes
Paige Armstrong, MSW, LCSW – October 27, 2010
In all my years as a therapist and Life/Relationship Coach, money is the last thing that my clients will discuss (if they ever talk about it at all). People will reveal their childhood sexual abuse and trauma before they ever share with me about their money. We are usually taught from a young age, that it is taboo to talk about money.
Reston Patch
Giving Kids 'Pathways 2 Independence'
Robin Lundgren 10/18/10
Breakout sessions offered information about buying a car, budgeting, making the most of credit cards, avoiding identity theft and evaluating personal money habits and attitudes.
Dating and debt: 8 red flags you need to look out for
Martha C. White – September 17, 2010
No one's saying you have to whip out a spreadsheet over the tiramisu on your first date, but even early in the relationship, you should pay attention to the language the object of your affection uses when he or she talks about their financial goals or dreams for the future.
When is taking on debt wise? Is there a cost of not borrowing?
Nancy Mann Jackson, 9/13/10
"Saving on debt upfront may cost you big later in maintenance bills or missed work because the car breaks down. That's not to say, though, that you need to go into debt to buy a Rolls," Solomon says.
How To Support Your Spouse's Job Search
Nancy Mann Jackson – July 27th, 2010
Along with the financial strain that results from a job loss in the household, many women are finding themselves responsible for sharing the emotional burden of their husbands and partners who are now unemployed.
Reader's Digest
7 Tips to Raise Financially Savvy Kids
July 2010
Teach your kids how to be money smart with tips from Syble Solomon, creator of Money Habitudes.
The Tool Box
Money Conflict in Marriage / Relationships
Lisa Brookes Kift, MFT 5/24/2010
There are a number of common issues that come up for people in their relationships / marriages – and a big one is money. Attitudes and meanings attached to "money" differ and typically originate from family of origin experiences as it's likely many of your ideas around spending, saving and other dealings with financial matters are echos from one or both of your parents and conditioning.
Utah State University – Graduate Theses and Dissertations
Financial Management Practices and Conflict Management Styles of Couples in Great Marriages
Amanda Marie Horrocks, May 1, 2010
The verbiage couples in great marriages used to describe how they disagreed over financial issues suggests that educators could teach more about money habitudes, habits and attitudes surrounding money, rather than specific financial practices (see moneyhabitudes.com).
When a Spender Marries a Saver
Syble Solomon 4/15/10
When it comes to couples and money, opposites do attract. In fact, researchers found that while people hope to marry someone with a money style similar to their own, they more often than not marry their financial opposite.
Mainstreet (TheStreet.com)
5 Risky Products Marketed to Kids
Seth Fiegerman 4/15/10
Syble Solomon, an expert on family finances, also recommends that you teach your child the value of making choices, rather than sacrifices.
Boomer Love: How is the 'Free Love' Generation Doing Now?
Jan Yager 3/29/10
Syble Solomon, an expert in the psychology of money, has developed a deck of cards called "Money Habitudes". The cards help individuals or couples to discover their own points of view and behavior patterns regarding money.
The Importance of Being Able to Talk About Money
Syble Solomon 3/12/10
While there are many steps you can take to improve your marriage or keep it strong, one of the best is to figure out how to talk about money with your spouse. Unfortunately, doing so is not easy because discussing money makes people uncomfortable. After all, as we're growing up, most people learn not to talk about money instead of how to talk about it.
6 Wealth-Building Mistakes – And How to Avoid Them
Sarah Max 1/29/10
For some people, it's the little things that eat up their income. Other people live frugally most of the time then go on spending binges. Look for patterns in your spending. Do the floodgates open when you're with certain friends? Does your mood affect your spending? You may not be able to radically change your behavior, says Solomon, but you can at least plan for it.
Institute of Consumer Financial Education eNEWS
Understanding Why We Spend What We Spend: Habits and Attitudes Behind Spending
Syble Solomon 1/25/10
Once people understand their own money habits and attitudes, they begin to see why they spend the way they do. Perhaps it is to feel secure, to present a positive image, or to feel good by giving to others.
Press Release
Money Habitudes Encourages Constructive Discussions About Money for the New Year
Talking about money–one of the most daunting conversations–helps people get help, support and personal understanding in order to achieve their financial goals for New Year's.
Washington Times
Marriage, Money Go Hand in Hand
Cheryl Wetzstein 12/27/09
There are literally thousands of ways to assist couples in getting their finances in order – the winner of Smart Marriages' Impact Award this year is Syble Solomon's "Money Habitudes" program.
2009 Best of Gift Showcase
Janis Brett Elspas 12/12/09
The game can be used in a family setting, in the classroom, or in discussion groups as a stand-alone activity or in conjunction with high school courses such as financial literacy and life skills.
NAPFA Advisor magazine
Helping Clients Talk About Money
Syble Solomon 12/1/09
Just sharing basic financial information with a planner can feel like giving up control and power. It requires really trusting someone whom you (typically) know only through a referral.
Press Release
Money Habitudes Encourages Constructive Discussions About Money for the Holiday Season
On the eve of the winter holidays, LifeWise releases its latest list of conversation starters to think about money in a constructive way.
Erickson Tribune
Financial resolutions for the New Year
Meghan Streit 11/24/09
As you consider your New Year's resolutions, don't forget about your finances. … Financial educator and executive coach Syble Solomon says deeply-rooted emotions about money can derail the best laid financial plans.
Bargain Babe
Holiday Gift Guide
Julia Scott 11/24/09
The Habitudes card game is great for anyone interested in money. Use the cards to spark discussions about your attutides and beliefs about money.
Could a Game Help With Your Money Attitudes?
Michele Olsen 11/9/09
As money gets tighter for just about everyone, money attitudes are really coming to the surface for many couples. Here's a great "game" and program that can get you talking about your money "habitudes" … Rather than just thinking the other person is wrong or crazy, money habitudes points you towards goals and commonalities.
The Windsor Star (Ontario, canada.com)
Changing Money 'Habitudes'
Ellen van Wageningen 10/26/09
I went to my first financial boot camp session armed with a notebook and a calculator. What I needed was a psychologist's couch. Step one wasn't about my bank account balance. It was all about my relationship with money.
My Healthy Beginning (Minneapolis – St. Paul, MN)
The Money Fight
Maureen Campion 09/09
People believe that money is the #1 cause of divorce, but people divorce when they run out of solutions. The inability to resolve money problems contributes to many problems, including the high divorce rate in our country.
Press Release
Money Habitudes Encourages Constructive Discussions About Money for Back-to-School
As opposed to other high-intensity spending periods, during back-to-school, children are very involved and exposed to their parents' money decisions. As a result, these few weeks offer a great opportunity to model good money behavior.
Sturgis Journal (Michigan)
Marriage Matters: Copping a 'Habitude'
James and Audora Burg, 8/15/09
We discovered a cool tool at the Smart Marriages conference for helping couples uncover what really drives money issues in a marriage: Money Habitudes cards … The conversation that started was, well, priceless.
Kansas City Star (kansascity.com)
Kids & Money: Get a Grip on Your Child's Sports Costs
Steve Rosen, 8/15/09
I love that all three of my children have been into sports. But when it comes to getting a grip on the costs, it can be a slippery slope even if you've planned for the expenses as I've tried to do.
Press Release
Producer of Leading Conversation-Starter Card Game Promotes Regular, Proactive Money Discussions: Summer Vacation
Because money plays such a central role in our lives, people benefit by talking proactively about potential money issues instead of waiting until there is a critical need to discuss finances.
8 Credit Talks Couples Must Have
Erica Sandberg, 7/14/2009
Disclosing personal charging habits to a loved one can be tough, but it's pivotal to a healthy relationship. Attitudes about using credit cards vary dramatically, and learning a partner's outlook can avert all-too-common money disputes.
A Guide to Low-Cost Curricula and Resources for Marriage and Relationship, Fatherhood and Parenting, and Financial Education
U.S.Department of Health and Human Services; Administration for Children and Families; Healthy Marriage and Responsible Fatherhood Initiatives
July 2009
Press Release
Money Habitudes Wins Smart Marriages Impact Award
Money Habitudes, the popular deck of conversation-starter cards to help couples talk about money are recognized as an important and unique tool in combating divorce and fostering healthy marriages.
Stronger Families
Is Money the Root of All Upheaval?
Syble Solomon – 6/09
Money is identified as the number one cause of conflict in marriages whether it's a good, solid relationship or a troubled one. What's your style of dealing with money issues with your spouse?
The LAMFT Monitor – Louisiana Association for Marriage and Family Therapy
Recommended Resources for Marriage and Family Therapists
Kathy Steele, Ph.D. – Spring 2009
Although every LMFT has received excellent foundational training, there are always new developments and information coming out in the field of MFT … Money Habitudes. A deck of cards that help couples to talk about money, and discover their differing beliefs and attitudes in the area of money.
Catholic Star Herald
How the financial downturn affects marriage
Mary Jo Pedersen – February 13, 2009
We took a serious look at our individual approaches to money because we couldn't agree on anything. He's a saver, I'm a spender. We found an easy-to-use tool, called MONEY HABITUDES, that helped us explore the strengths and weaknesses of our own attitudes and habits about money. HABITUDES helped us understand and respect each other more and it has spilled over into other aspects of our relationship
Fulfilling Relationships Newsletter
Discover Your Money Habitudes
Shirley Vollett, 12/08
No two couples deal with finances in exactly the same manner. But no matter HOW a couple chooses to share or separate their finances, there is no avoiding this potentially hot-button area.
NFL Players Association Newsletter
How Habitudes Affect Financial Decisions
NFLPA Financial Programs Department, 11/18/08
"If you've ever questioned why you feel conflicted, confused or overwhelmed about money, you aren't alone. In fact, many people struggle with financial decisions daily.
Association of Financial Counseling and Planning Education Conference Proceedings, John Grable, Editor
Finding Teens' 'Tudes
Nancy Reigelsperger and Syble Solomon, 11/08
CBS News reported (5/17/07) that U.S. companies are spending nearly eighteen billion advertising dollars annually to target teens and credit card companies are sending college students an average of 25-50 solicitations each semester. Those efforts are working.
University of Wisconsin-Extension – Department of Family Development
A Marriage Made to Last: Integrating Financial Education with Couples and Relationship Education
Nancy Brooks, November 2008
This resource provides a deck of cards for an easy, non-judgmental and non-threatening way to address financial issues and initiate conversations.
University of Utah
Evaluation of the General Financial Literacy Program in Utah High Schools: 2008
Tyrone Benjamin Frazier, October 2008
Beginning with the graduating class of 2008, Utah high school students are required to take 0.5 credits of General Financial Literacy (GFL). The purpose of this study is to evaluate how well the goals of this new core requirement are being met, and to evaluate the best options for advancing the burgeoning program. Three questions about the GFL program have directed this evaluation: What is being taught? How is it being taught? And how is it impacting students?
Chicago Tribune
Have a nice wedding and buy your first home, too
Ellen James Martin, 8/15/08
"They're sweethearts in their late 20s. He works in a mid-level job for the Homeland Security Department; she's a paralegal. Recently he surprised and delighted her by popping the question.
Smart Marriages Conference / iplayback CD/DVD
Tools of the Trade
Julie Baumgartner, 7/5/08
Julie Baumgartner's keynote featured Money Habitudes as one of the recommended tools available for working with couples or for couples to use independently. This excellent presentation is loaded with great suggestions and is available as a DVD or CD. #006
Association for Financial Counseling and Planning Education Proceedings – 2007
November, 2007
Money Habitudes cards can give couples a non-confrontational, common vocabulary to have productive, non-judgmental conversations and help them understand the hidden emotional needs influencing their financial behaviors.
Washington Woman
Today's Actions Determine Tomorrow's Options
Syble Solomon, 4/07
The way you manage money can tell a lot about who you are and how you achieve or sabotage your financial and life goals. If you can enjoy your money, are well-informed about it and manage it well to meet your short- and long-term needs, chances are you will feel secure, have balance in your life and achieve your goals.
Let's Talk About Different Perspectives
Syble Solomon, April 17, 2007
Let's talk about getting what you want by looking at a situation through the eyes of the other person.
Increase Your Earning Power
Syble Solomon, March 22, 2007
Let's talk about increasing your earning power by making a strong, positive impression on others.
Let's Talk About Getting the Best Deal
Syble Solomon, February 16, 2007
Let's talk about how you can take charge to get the best deal when you want a loan. You may assume that a Realtor™ has the connections and expertise to get you the best deal and that may be true, but not necessarily.
Let's Talk About Being Successful
Syble Solomon, January 17, 2007
Let's talk about being successful. Now that most New Year's resolutions have faded into a distant memory, choose one little thing that you know you can accomplish and do it. Small successes feel much better than frustration or guilt for not accomplishing an unattainable goal. Plus, small successes lead to big successes.
Reviewing Your Holiday Shopping Skills
Syble Solomon, December 21, 2006
Let's talk about how to look at holiday shopping as a learning experience so next year your holidays will be less stressful and less costly.
Let's Not Talk About Money
Syble Solomon, November 27, 2006
Let's talk about messages from home. One day when I was eight years old, my mom sent me to the corner grocery store to buy a few things. On the way home I managed to lose $10. We retraced my steps but the money was nowhere to be found. My mother just sat down and wept.
Let's Talk About Money, Honey
Syble Solomon, October 30, 2006
What would it take for you to feel financially secure? And, have you shared your thoughts with your spouse? This simple conversation could be the first step to finding a workable solution to disagreements about money. It's common for husbands and wives to define security quite differently and if their definitions are miles apart, it can mean a bumpy road ahead.
Connections: Ontario Association of Credit Counseling Services
Playing Cards: A New Tool
Fall, 2006
"There are times when a speaker comes along and you say to yourself, 'She's been there-done that.' Syble Solomon is one of those speakers…"
USA Today
"Many marriages today are 'til debt do us part"
April 28, 2006
"It's the No. 1 taboo topic," says Syble Solomon, a motivational speaker who created Money Habitudes, playing cards for planners and counselors to use in getting couples talking about money. "People will tell you about their intimate sexual lives before they'll tell you about their money…"
How to Attract and Retain Women Clients
AdvisorOne Research
Syble Solomon, Feb. 2006
The first time I sat down with a financial advisor I was 41 — and it was a big step for me. Although my husband and I discussed our investments, I felt incompetent and took no responsibility for decision-making. I was caught in Neverland — sounding assertive like modern woman, while acting out my role as Cinderella, letting Prince Charming rescue me and take care of our finances. Old messages are hard to shake!
Smart Marriages Conference
How to Use the Money Habitudes Cards in Marriage Education Programs
William Bailey, Ph.D., University of Arkansas, June, 2005
"…The Money Habitudes cards can be used in a variety of marriage education programs to assist couples and families in evaluating their habits and attitudes toward money. .."
Marshfield News-Herald
Sessions focus on good money habits
Marshfield, Wisconsin
Nov. 26, 2005
"…We talk about goal setting…How you establish financial goals helps put you in the drivers' seat for your financial future." This is the message Georgette Frazer will bring to the Roaract…program at the University of Wisconsin-Marshfield/Wood County. (Rotaract, sponsored by Rotary International, is a service club for people ages 18-30. The clubs are designed for young adults to develop professional skills and address the needs of their communities through service projects.) She will demonstrate with Money Habitudes cards, developed for providing a balanced perspective of financial satisfaction… Frazer said the "habitude" approach is respectful."… "There are no right or wrong ways to handle money," she said describing the idea. "There are just different ways to handle money. It's all about understanding what your way is…"
Horsesmouth: The Performance Improvement Network for Financial Advisors.
"Holiday Gifts for Clients: Where to Buy the Best"
Edward E. Klink, November 9, 2005
Money Habitudes was listed as one of the recommended gifts for clients.
Horsesmouth: The Performance Improvement Network for Financial Advisors.
"How a Life Planner Approaches a Client's Case"
Nicole O. Coulter, October 7, 2005
"Armed with factual information about his prospects' assets and risk tolerance, Shagrin's first order of business was not launching into an asset allocation discussion or explaining his conservative approach to risk. Instead he pulled out his Money Habitudes deck of cards-an entertaining yet informative financial planning tool he'd been using faithfully for the last two years…
International Journal of Consumer Studies
"Book Review: Money Habitudes™: A Guide for Professionals working With Money Related Issues"
Volume 29 Issue 4 Page 386 – July 2005
Sue McGregor, Faculty of Education, Mount Saint Vincent University
Solomon has succeeded in creating a unique way to help people who are struggling with debt to overcome their inhibitions so they can open up and gain insights that will help them take control of their money…I feel confident recommending this tool…It looks like an exciting new way to help people discover their hidden habits and attitudes about money, freeing them to embark on a more empowering future financial life…
Journal of Personal Finance: Tools, Techniques, Strategies, and Research to Aid Consumers and Professional Financial Advisors
Get a Handle on Your Clients' Money Habitudes
Syble Solomon, Volume 3 Issue 4, 2004
Money Habitudes cards were developed for practitioners to use as a quick, non-threatening activity to reveal a client's habitudes (habits and attitudes) regarding money without getting into heavy, psychologically intrusive conversations.
Horsesmouth: The Performance Improvement Network for Financial Advisors
"Uncovering Your Client's Hidden Money Attitudes"
Elizabeth Marcovitz, September 15, 2004
Since advisors deal with money every day, we may forget the discomfort that others experience around the topic…Providing clients with a way to feel comfortable talking about money will not only enhance their investment decisions but also go a long way in building their loyalty… Liz Donaghey, a third-party investment manager at Clark Capital … "The [Money Habitudes] cards change the tone of a meeting-from a serious discussion to a more interactive learning experience. It opens the door to a back-and-forth conversation that much more fully involves the client. This not only brings the client fully in to the experience, it also deepens the relationship and bolsters trust…"
Money Habitudes Can Make or Break a Business
Syble Solomon, May 2004
Money issues are inevitable. As in a marriage, by the time you start arguing it may be too late! Be proactive and have that talk before money issues ruin both your business and your relationship.
AFCPE Forum
Money Habitudes: A Tool for Dealing With Debt
Syble Solomon, April 2004
Money Habitudes cards can help practitioners and clients quickly discover the emotional aspects underlying out-of-control debt. Using the cards allows practitioners to identify their client's financial habitudes—or pattern of habits and attitudes.
Partners in Paradise Radio Talk Show
Interviewed by Kat and Curtis Knecht
January 12, 2008
WRC TV NBC, News 4 — Women and Money
Interviewed by Pat Lawson Muse
April 11, 2007
Delaware Valley's Only Money Talk Radio interviewed by Olivia Mellan
March 15, 2007
WRC TV NBC, News 4
Interviewed by Susan Kidd on teaching kids about money
May 30, 2006
Real Money Radio Talk Show
Interviewed by Deborah Owens on WEAA 88.9 FM, the top-ranking public radio station in the Baltimore area
October 11, 2005
Great Relationships Radio Talk Show, WEBR Fairfax, VA
Interviewed by Kevin Decker
May 23, 2005
InCharge Radio
Interviewed by Mike Schiano
February 2, 2005
InCharge Radio is an Outreach presentation of InCharge® Education Foundation, a premier provider of educational products and services supporting the personal financial literacy needs of the people of the United States with a focus on the military.
VoiceAmerica, the industry leader in internet talk radio.
Interviewed by Steven Shagrin, JD, CFP®, CRPC®, CRC®, CELP
July 21, 2004


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So far, the year is a disappointment
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Join Date: Apr 2004
Age: 49
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Actually, the Raiders are probably going to beat us. In my opinion they probably "should" beat us. I think they're overall probably a better team with a little more consistency than the Texans have, better talent at some postions, and just generally they're more established in what they're doing. That doesn't mean they will beat the Texans though. The Texans CAN win this game. The only question left is will they step it up and rise to 2-2.
And I don't think that there's any way in the world that the Texans should be 3-0 right now. The intensity that they showed in the 4th quarter of the K.C. game was a direct result of the way the season began (0-2). If the Texans had walked into Arrowhead with a 2-0 record to play against an 0-2 Chiefs team with it's back against the wall I believe that the Chiefs would have won that game. The Texans had their back against the wall in that game.
Fitz makes bad decisions. That's not going to change.
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