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Homepage: https://leightpf.wordpress.com
Q1 2015 Update
Posted in Uncategorized on April 21, 2015
Whew, that was a busy Q1! I quit my job, had ~1.5 months unpaid between jobs, went on an awesome trip for a month with my boyfriend, and started a new job.
Things were actually not too bad in terms of income in Q1. I only got paid enough in January to cover February's budget, saw no income at all in February, and then saw a full month's paychecks at my new, increased salary, plus my signing bonus in March. Thanks to the signing bonus, my Q1 net income was (by a small margin) the largest I expect to see this year, though each quarter should be reasonably similar.
In Q1, I saved 79% of my net pay, which amounted to a bit over $20,000 in savings. I'm hoping I'll be able to hit 80% overall this year :)
My savings was split to the following accounts:
- 86% Cash savings
- 10% Mortgage payment principal
- 4% Traditional 401(k)
I made my 2015 Backdoor Roth IRA contribution on January 2nd, so that is done already! Next up is maxing out the pre-tax and after-tax 401(k). I'll finish maxing out the pre-tax 401(k) in Q2 and the after-tax 401(k) in Q3.
I haven't made any extra mortgage payments this year and it's looking like I might not end up making any. I'll talk about that a bit later.
I think the idea of Fidelity/Vanguard Charitable is really cool (but expensive at my donation amounts…), so I'm doing something similar with a savings account at my credit union. I have automatic transfers set up for every paycheck and I'll do manual transfers when I get a bonus. This account's purpose is to get me to give my money to other people for causes that I deem worthy. I'm trying to let the account build up a bit so that I have enough to pay for my January donation next year instead of not having enough money in the account for a bit to take the donation out and so that I can make larger donations. I plan to increase the % within the next few years.
In Q1, I made my annual January donation as usual and made another couple donations for causes friends were supporting. Not all of my donations are tax-deductible, but that's totally okay!
When you see that I spent more money on Travel than on Housing, you know it was an expensive quarter. I had budgeted for this quarter to be the most expensive of them all.
All in all, I spent $14,271 in Q1, about $5k of which was spent each on Travel and Housing. Another $2k on Clothing and everything else is tiny in comparison to those three. On the plus side, I have no more big travel expenses for the year.
I am going to try to reign in my clothing spending more in the rest of the year.
I was underbudget in a few areas:
- I only spent $355.09 on groceries, of $600 budgeted.
- I only spent $136.91 on work lunches, of $344 budgeted.
- I only spent $63.52 on fuel, of $144 budgeted.
- I had planned on replacing my passport in Q1, but that got pushed off until Q2. I replaced my driver's license though, which countered that somewhat.
- I only spent $13.46 on dining out, of $40.00 budgeted.
I'm still on track to spend under $40k in 2015 (my goal for the year) – I'm expecting the other quarters to be an average of $8k apiece. I'll check in on that again at the end of Q2.
Readers, how was your Q1?
Poof goes the rollover (and my 2015 investment plan and updates to my Investment Policy Statement)
Posted in Uncategorized on April 7, 2015
I realized in hindsight that this could have been three separate posts, but I'm going to leave it as is.
Rolling over a 401(k) is a slow process stuck in the archaic ages. At the beginning of April, I initiated the termination from my old employer's plan. The next day, I had my Roth 401(k) money invested in my Roth IRA. Three business days later, I had in my hands a check for the tens of thousands of dollars that I had in my pre-tax 401(k). I filled out the rollover paperwork that I had acquired from the new 401(k) plan a few weeks prior and mailed off the check the next day, with the morning mail pickup. Within 10 business days of the original request, the funds were in my new 401(k) and I could breathe clearly again.
It was pretty scary seeing the ~$100k in my 401(k) disappear the evening after I started the process and the vast majority of it still not in a bank account. It definitely made me question my attachment to the Backdoor Roth IRA and make me wonder if I was making the right decision not rolling my old 401(k) into a Rollover IRA. Once the funds had arrived in the new 401(k) though, I was definitely in agreement that this was the best and simplest decision, to keep all of my 401(k) money in one spot.
My asset allocation was quite a bit out of whack during this time – basically all of my fixed income was in my 401(k) that disappeared. For reference, today, 2/3 of my fixed income is in my 401(k). Since my 401(k) is a bit over half of my investments, that wasn't the end of the world. My allocation looked something like 23% fixed income (not bad), 57% US stocks (way too much), and 20% international stocks (way too little).
Overall though, the rollover went reasonably smoothly and so far, I'm glad I did it instead of trying to manage two 401(k)s.
My 2015 investment plan
Since there was a large chunk of money to be invested, this was a great time to re-balance and set up my 2015 investment plan!
I'm working with a target asset allocation of 28% fixed income (age in bonds + 1 percentage point for having > $100,000 in investments) and then the stocks split 50/50 to US and international.
|EOY Value
|Fixed income
|US stocks
|International stocks
The missing chunk represents the rollover, my mid-April through end of year pre-tax and after-tax 401(k) contributions, and expected 401(k) employer match contributions. This year is going to be reasonably easy to re-balance with contributions and not needing to exchange anything.
At the moment, my Roth IRA holds US stocks, so I just sent my Roth 401(k) to the Total Stock Market index fund there. I used to hold shares of an Extended Market index fund in my Roth IRA as well to balance out the large portion of my 401(k) that was in a S&P 500 index fund, but I now have access to a Total Stock Market index fund in my 401(k) and don't need to worry about that anymore, so I exchanged all of the Extended Market index fund into the Total Stock Market index fund.
Since my Roth IRA holds mostly US stocks and that's where my after-tax 401(k) contributions will go, I plan to put my after-tax 401(k) contributions into a US stock market index fund in my 401(k) until I move the money over to my Roth IRA since it'll take several months to max it out.
That means my 2015 contributions will be allocated as follows:
|After-tax 401(k)
|US stocks
|Pre-tax 401(k)
|US stocks
|$26.6k – $Xk
|International stocks
|Fixed income
I calculated the percentages for each of the pre-tax 401(k) contribution categories overall for the year and then applied those to the amount that was being contributed this week (the rollover and the mid-April paycheck deductions and employer match).
That means that the only manual thing left to do for my investments this year is to move my after-tax 401(k) to my Roth IRA in the fall. I'm a little overweight in fixed income at the moment (30% of my investments) since a big stock contribution will come later in the year, but that's perfectly fine.
I'm so happy to have finally finished this! Usually I do this work in December/January and it's now late April…
Updates to my Investment Policy Statement
With the new job and 401(k), I decided it was time to check up on my Investment Policy Statement, which hadn't really been updated since early 2012.
My long-term goal has always been to be able to retire at 50 with a paid-off home and enough in investments to cover estimated living expenses at a 3% withdrawal rate. I also added a medium-term goal of having the mortgage paid off by my 30th birthday and enough in investments to cover my then-current expenses at a 4% withdrawal rate. This sounds like a Big Hairy Goal, but I'm actually on track to meet it.
I changed my IPS to reflect my plan to lump sum my 401(k) contributions since it no longer affects my employer match. I also added some notes on my feelings about rollovers.
I've been contemplating asset allocation a lot over the last six months or so. I've been using the following model for the last several years:
The percentage of the investments in stocks is 100 minus (at the time of re-balancing):
- My age
- The multiples of $100,000 in investment assets that I have
I added an additional note of: "This formula will continue until I reach 30% in fixed income and 70% in stocks and then it will stay there until I choose to re-evaluate it."
Why? I've realized that with the possibility of early retirement, I'll need more money in stocks than I've previously considered. If I end up working past when a 3% WR on my investments is achieved, then I'll re-evaluate my asset allocation formula.
"I want the US stocks to replicate the entire US stock market.
I don't want to stake everything on the US stock market. Market weighting sounds good, so my ideal split would be 50/50 on US/International Stocks."
My plan for now is to keep my Roth IRA 100% stocks, all of the fixed income in my 401(k), and all stocks in my taxable investment account.
There was an interesting section at the bottom of my IPS showing short-term goals, including estimated net worth for 2010 through 2014. I surpassed all of those numbers, some by a long shot! Some of my goals for the next 5 years include getting my savings rate above 80%, paying off the mortgage, reaching a $1M net worth by the end of 2018, and reaching a $1.5 M net worth by the end of 2020. It seems pretty crazy to imagine my net worth going from the mid $500k range today to $1.5M in 5.5 years, considering that it took the last 5 years to build it up to $500k, but that's what my spreadsheet shows! The next five years are going to be some incredible wealth building years and I thank all of you readers for following along on this wonderful ride!
March 2015 net worth update (+4.3%)
Posted in Uncategorized on April 2, 2015
|net worth
|taxable assets – debts
|$ until FI
Yay, I finally got some big paychecks from my new job this month (which made up for all of the time with no income!) and I won't get another one until September, but that's okay because I'm going to max out my 401(k) as quickly as possible. I crossed off my first financial goal for the year of having $60,000 in savings for Operation Bayes. I have a bit more cash than that right now, which is so that I can cover expenses from cash while I max out my 401(k). My first 401(k) deduction for the new job came off my paycheck AND it was deposited into my actual 401(k) account, which is quite exciting! :)
I've been running the numbers and it looks like I should come within $1,000 of saving 80% of my net income this year!!! That's been one of my targets and I would be very excited if I hit it. In fact, I saved 78% of my net non-bonus income this month! My original goal for the year was to save 70% of my monthly net income, but now I think that is too low of a goal and I should be shooting for 75% and then 100% of bonuses!
Expenses: I spent $5,718 in March including the mortgage or $4,691 without it. Some of my controllable expenses broke down as follows:
- New pair of running shoes
- Three layering camisoles
- ~$400 end-of-season sales on outerwear: a vest (50% off), a light jacket at 20% off, and a warm jacket at 30% off. I haven't bought a warm jacket in 5.5 years, so I've been budgeting for that one for a while.
- Six pairs of socks
- Returned all but $60 of the online shopping for shorts/skirt from last month
- One pair of leggings
- Online shopping to find a pair of jeans since I changed sizes AGAIN and not back to my previous size. I only plan to keep one pair, so I should see a ($500) clothing expense next month.
- $1,200 total clothing
- $452 Entertainment/Social [average so far this year: $248, average last year: $211] – Renewed our theater season tickets for next year and enjoyed some delicious meals out.
- $1 Eating out by myself [average so far this year: $4, average last year: $18]
- $177* Groceries [average so far this year: $118, average last year: $185]
- $87 Work lunches [average so far this year: $45, average last year: $147] – Food at my new office is much cheaper than at my last job :)
- $29* Household goods – paper towels, water filters, and some other cleaning supplies
- $34* Internet
- 4 months of HOA dues – we rearranged how we're splitting expenses and I paid my boyfriend back for the last 3 months of HOA dues and then paid the April dues. This means that I removed several other items from my budget going forward.
- Renewed my driver's license early because I kept getting anxious about forgetting to renew it
- Photos for my passport renewal
- $46 Medical
- $20 Eyebrows
- $12 Toiletries [average so far this year: $14, average last year: $33] – over the counter medicine
- $177* Shopping – some food storage containers, a speaker, and a case for my new sunglasses (that were covered by insurance 100%!)
- $24 Fuel [$63 so far this year, $0 at this time last year]
- Travel – booked flights and an Airbnb to go to a friend's wedding later this year
* indicates expenses that were in the joint account. I calculate my expenses by tallying up all of my individual expenses for the month, adding in my mortgage payment, and adding in half of the joint expenses.
Gah, things really added up this month. My estimate for April is to have net expenses of only $500 after the mortgage payment, HOA dues, and property taxes. (That figure assumes a bunch of returns of the clothing purchases this month.)
Savings: $61,900 (up $19,700)
These funds are spread across a checking account that gets free ATM fees anywhere in the world, my new and old health savings account, a savings account at my credit union, and a bit of a buffer in my credit union checking account.
Transferred a good chunk here from my paychecks this month! I was pretty excited to do that first savings transfer this month!! :D I think that was my first transfer to savings/mortgage/investments from income since November.
Investments: $176,200 (down $300 or -0.2%)
This includes my 401(k) from my former employer: Roth, Traditional, and employer matching (fully vested!), my Roth IRA, my taxable investments including stock index funds and Series I Savings Bonds.
The change here comes from:
- Q1 dividends
- Some healthy losses in the stock market
- The first contribution to my new 401(k)
My old 401(k) happily stayed above $100,000. I'm going to roll my old Roth 401(k) to my Roth IRA, but my new 401(k) should possibly still be above $100,000, assuming that the rollover manages to happen all within the month of April.
At the beginning of April, I will initiate the rollover of my old 401(k) and my new 401(k) will see a strong influx of new cash from my paychecks as well. I'll also see my first employee stock purchase plan deductions happen in April.
Mortgage: $140,800 (down $700 or -0.5%)
Some statistics here:
- 2.5%: the interest rate on my 5/1 ARM
- January 2018: when the interest rate on my mortgage is set to reset, possibly to 7.5%
- 0: months of payments eliminated with this month's pre-payments
- $0: extra payments made on the mortgage this month
- $0: interest this month's extra payments will save me on the next regular payment
- 28.7%: portion of my regular payment went to interest (originally was 59%; down 0.2 percentage points)
- 60.7%: amount of equity in my condo, assuming purchase price (up 0.2 percentage points)
- 50.8%: amount of the mortgage I've paid down (up 0.3 percentage points)
- $24,500: amount extra remaining to pay to be on track at the end of 2015 to pay the mortgage off before the rate resets in 2018
I'm just letting the regular, automatic payment go for now, until my cash savings is at the level I want and my 401(k) is fully maxed out.
TOTAL: $556,600 (up $22,800 or +4.3%)
I ended 2014 with a net worth of $531,600, so I've seen a change of +$25,000 or +4.7% so far this year. I'm going to set the y-axis on this graph to $650,000 so we can see how my net worth grows towards that throughout the year.
Frontloading my 401(k)
Posted in Uncategorized on March 16, 2015
I've often thought about front loading my 401(k), i.e. contributing the full amount at the beginning of the year in as few paychecks as possible, but never done it.
Why? My former employer, although they did a true-up match the following year, would only contribute the matching money each paycheck if you contributed at least X%. So if I front loaded my contributions, then I would possibly not get the full matching money if I was no longer employed with them when they did the true-up.
With my new employer, I can maximize the 401(k) match even if I front load my 401(k) contributions.
Why do I like the idea of front loading my 401(k) contributions? I like going through my list of savings goals for the year and checking off one at a time, only concentrating on one goal at a time.
1. Get my savings account up to $60,000. done with mid March paycheck
2. Contribute the full $18,000 to my pre-tax 401(k). will be done with end of May paycheck
3. Contribute the maximum I can to my after-tax 401(k) and then transfer it to my Roth IRA. will finish with a September paycheck
4. Contribute the maximum I can to the Employee Stock Purchase Plan. ongoing
5. Pay down the mortgage by $28,671.79. this one probably won't get done, but I'm forecasting I'll get 75% of the way there.
I used to not like the idea of the small paychecks, but it has grown on me since I have a nice cash buffer now. I plan to use the BrokerageLink feature of my new 401(k) to set up a three fund portfolio and I can't set that up to automatically put money into a specific allocation like I can with the regular funds in the 401(k) plan, but by front loading my 401(k) contributions, the money will only be sitting in cash for ~2.5 months if I let it sit there until all the money is there and then invest it. If I wasn't front loading, I would feel a need to log in more often and set up the money.
Why have I always wanted to do this? Over the last few years, I've often wanted to leave my job before the end of the year and it would have been nice to have already maxed out my 401(k), be on the path to get the maximum match, and not worry about that while I was contemplating quitting my job.
Front loading also means I don't have to worry about getting the contribution % exactly right to max it out with my last paycheck of the year or worry if my last paycheck will actually come in the following year or if there are more paychecks than expected.
I had forgotten about this idea, even after thoroughly reading my new job's 401(k) plan's Summary Plan Description (SPD) in detail to learn as much as I could about the after-tax contributions and how the matching worked. But then I read Mad Fientist's blog post on why you should front load your 401(k) and I was hooked!
Readers, have you ever considered front loading your 401(k)?
An Ode to My Old 401(k)
Posted in Uncategorized on March 8, 2015
When leaving a job, there are a few actions one can take with their old 401(k):
- Do nothing and leave it where it is, paying any fees your employer charges you now that you're no longer with them
- Withdraw the entire balance, paying a 10% penalty and regular income taxes (ew, this would cost me about $40,000) based on the current balance
- Roll it over into the new employer's 401(k) plan
- Roll it into an IRA
I definitely don't want to withdraw the balance with how much that would cost in taxes and the fact that I would then lose the tax-deferral on my ~$100,000 for another 34+ years! I also don't want to roll it into an IRA as then I would lose my ability to do a Backdoor Roth IRA. So there rules out half of my options!
The choice between the other two options depend on what the options look like in the new 401(k) compared to my existing one. My employer will charge a small quarterly fee that basically equates to a ~0.04% additional fee with my balance, which is actually a decent chunk considering that the funds in the new plan are cheaper than the equivalent funds in my old one.
When I first started investing, I posted a portfolio review on the Bogleheads forum and got some helpful feedback. Since then, I haven't requested any feedback from them, but I still use their format to do a periodic review of my investments. I find it's a great way to take an overall look at my portfolio. I follow the format right down to the questions asked. Here is the questions I asked myself this time around as I was figuring out what to do with my old employer's 401(k):
- My old 401(k) will start to charge a quarterly fee at some point (turns out this kicked in last week) that equates to about 0.04% annually of my current balance. I don't want to roll my old 401(k) to an IRA since that would cut off my access to the Backdoor Roth IRA, but should I roll it into my new 401(k) plan? The only catch I can see here is that if I roll the old 401(k) out of the plan, then if I were to return to that employer in the next few years, I would have to start the vesting period over again.
- My new 401(k) plan allows me to contribute after-tax in addition to pre-tax. It also allows me to do an In-Plan Roth conversion or I can instead move the money to my Roth IRA. Which is a better option?
- The international stock index fund I have access to in my new 401(k) doesn't include small-caps, but the one in my old employer's 401(k) does. Is that a deal breaker to me?
- I see a few options here:
a) roll old 401(k) into new 401(k), do in-plan Roth conversions to keep things simple
b) leave old 401(k) where it is until I don't need it any more to keep my international stock allocation out of the new 401(k) and then roll it into the new one (move after-tax 401(k) contributions to Roth IRA)
c) roll old 401(k) into new 401(k), but move after-tax 401(k) contributions to Roth IRA
d) leave old 401(k) where it is and do in-plan Roth conversions
I then made a huge spreadsheet to compare options A, B, C, and D for question 4. B was much more expensive than A or C due to the fee my old employer will start charging soon, so I didn't make a spreadsheet for option D at all. C ended up being cheaper than A for the first several years and then eventually A became cheaper, but not by a huge margin either way. This makes it a strong vote in favor of option C.
I'm about two months' away from Vanguard telling me my 5 year return (it's the small, psychological things…) and if I roll my old 401(k) out before then, I won't see that number on Vanguard's site…
I also decided that since the international stock index fund I have access to in my new employer's 401(k) plan isn't as complete as the Vanguard one, I'm going to try to keep as much of my international stock allocation as possible in my taxable and Roth IRA accounts. It's currently the only fund in my taxable account, so I'll do some rearranging in my Roth IRA at some point.
This also answers question 2, suggesting that I should move the after-tax money to a Roth IRA instead of doing an In-Plan Roth conversion. I'm going to see about rolling the Roth portion of my old 401(k) into my Roth IRA and otherwise, I'll wait until early May to roll the pre-tax portion to my new 401(k).
I've started investigating how to do the rollover. I called the old 401(k) plan administrator and they said that I can roll the Roth portion into my Roth IRA and the pre-tax portion into my new 401(k), so long as I do it all at once. I can initiate leaving the old plan online and the funds should get to my Roth IRA within 2-3 business days. The new plan required me to request some papers to be mailed to me, which will take 3-5 business days, and then I'll take a look at things again. The telephone rep from the old plan told me that the new plan will most likely require a check to get mailed to them, which will take about 2 weeks. My boyfriend and I were both pretty amused/confused at how much mailing was involved in this process despite the fact that it is 2015…
Yay for a plan (though still with some details to fill in) on this at last! It was stressing me out quite a bit to be unsure what to do with this, especially since my old 401(k) is worth about $100,000, which is about 55% of my overall investments.
Here's a graph of my old 401(k) balance over the last ~5 years, as an ode to it. It has been a good 401(k) to me over the last five years and I will miss it. (I also refused to shred my old health insurance card. It's with my previous health insurance card. Yes, I am a bit of a hoarder…) You can see that I didn't contribute as much in the first year, but I started maxing it out partway through 2011 and it has grown quite nicely since then!
Readers, what do you usually do with your old employer's retirement plan when you leave?
2015 Savings Plan
Posted in Uncategorized on March 4, 2015
Now that I've started the new job and have a pretty good understanding of all of the benefits available to me, I finally sat down and made a savings plan for the year. I feel so much better having done this! Usually I do this in November/December, so it's been stressing me out a bit to not have this already done and be so far into the year.
Reminder: Savings Goals
First, let's check in with the vague savings/investments goals that I made for the year:
2) Contribute the maximum to all tax-advantaged accounts available to me. This means $5,500 in a Backdoor Roth IRA, $18,000 in a pre-tax 401(k) and possibly some additional funds to the after-tax 401(k) and possibly my 2016 Roth IRA amount in a savings account ready to deploy in January. This will account for probably about 2/3 of my savings in 2015.
6) Contribute enough to a Health Savings Account such that Out Of Pocket Maximum ~= Current HSA balance + Employer contribution + my contribution.
7) Succeed at Operation Bayes – I'll explain this later.
9) Save 70% of my net income monthly…and 100% of my bonuses. (Yay for a big raise that will allow me to save that much of my monthly income!)
10) Contribute the maximum that I can to the Employee Stock Purchase Plan.
11) Pay down the mortgage with any funds that are leftover after 2), including the proceeds of 10).
I already contributed $5,500 to a Backdoor Roth IRA at the beginning of January, so that's checked off for sure.
1 – 401(k)
I've figured out how to maximize the match on my new employer's 401(k) and it's pretty easy. I just have to average X% or more of contributions over the course of the year and I'll get the full match throughout the year. Easy peasy! I'm going to contribute to the 401(k) evenly throughout the year though. It's only 90% clear still what they'll take the 401(k) deductions out of (not sure if it includes my signing bonus or not), so I set the contribution % assuming it includes my signing bonus and I'll adjust it up later if it doesn't.
My new employer does allow after-tax contributions to their 401(k) plan! There is a limit though that is less than the IRS limit and I plan to contribute their limit. I've set a % on this and if it doesn't take any money out of my signing bonus, then I'll increase it, just like with the pre-tax 401(k).
I also need to decide what to do with my old 401(k) and what I'm going to do with the after-tax 401(k) contributions, but I'm going to figure those out later. I still have some time to do that – it's less urgent.
2 – Health Savings Account
My new employer contributes more generously to a Health Savings Account for me than my last employer did. I still have a small balance in my old Health Savings Account that I need to figure out what to do with. For now, I only want to have the balance in this account cover one year's maximum outlay, so I set my contribution to meet that gap. I'll re-evaluate this approach for next year.
3 – Employee Stock Purchase Plan
I'm pretty excited for this! I can contribute up to a certain % of my salary, then at the end of the offering period, the plan administrator buys shares of my employer's stock at a discount to me! And the plan is pretty sweet in that I can sell the shares immediately with no holding period. I elected to contribute the maximum I can and I'll use the proceeds from selling these shares to fund the next savings goal in my savings snowball, either cash savings or mortgage paydown.
4 – Cash savings
I've estimated how much Operation Bayes will cost if all goes according to plan and decided that I would like to have $60,000 in my savings to cover this and some cash reserves. This is the first item on my savings snowball, so I'm going to work towards this goal and then move back to mortgage paydown. If things don't go according to plan, then the money here beyond my normal cash reserves will be re-purposed to mortgage paydown. It looks like I should meet this goal with using the ESPP proceeds sometime in July.
5 – Mortgage paydown
Last, but not least, I'll continue to pay down the mortgage. It looks like this should get around $25,000 in 2015.
6 – Income allotment strategy
With the new job, I get paid twice a month instead of the once a month that I got paid with my last job for, oh, you know, the last forever since it was my only job post-college. This is super weird. My plan though is to continue living off of last month's income like I guess I have been doing for the last five years, except that I get to earn interest on the mid-month income instead of my employer. I'm still figuring out the logistics of doing this. In a spreadsheet, I've portioned off my checking account into two accounts at the moment: buffer and cash flow. I'll probably just add an income one and put the income as being deposited there until it's "transferred" to cash flow / savings / mortgage at the end of the month.
7 – Overall
My current calculation shows that I'll save about 79% of my net income this year! I think my spreadsheet might be a bit confused (I should fix that), but it's definitely somewhere north of 75%, which is pretty awesome. Including my employer's contributions to various accounts and expected market contributions, I expect the end of the year to look like:
- $650,900 in overall net worth (a $119,300 increase)
- $62,500 in savings (a $14,700 increase)
- $230,100 in investments (a $65,600 increase)
- $111,800 in mortgage balance (a $31,200 increase)
- -$22,900 in taxable assets – debts (a $47,700 increase)
- $495,700 until FI (a $349,300 decrease) *note to the naysayers: this is a target to shoot for and once I reach it, I'll do some more exact calculations. Until then, I'm using a 4% SWR of my investments bucket, a paid off mortgage, and a rolling last 12 months' of expenses to calculate my target.
February 2015 net worth update (+0.7%)
Posted in Uncategorized on March 1, 2015
|net worth
|taxable assets – debts
|$ until FI
Well, the stock market reversed my net worth loss from January. I had no income in February as I spent most of the month in New Zealand. I did get an update from a real estate agent from the firm who helped me buy my condo and they confirmed that my place is worth about what the other real estate agent had told me last spring. We'll see what this upcoming spring brings in that area!
Expenses: I spent $5,579 in February including the mortgage or $4,552 without it. Some of my controllable expenses broke down as follows:
- $587 Clothing – Ahem. Some of this was in New Zealand buying cute summer clothes and some of it was some online shopping to stock up on some shorts and a new skirt after we got back, some of which I will be returning. So, estimate: $59 on three tops, $168 on three dresses, $18 for a pair of shorts in New Zealand, $74 for a new skirt in NZ, $X for hemming a pair of pants I bought in January, $42 on a new skirt that I'm 80% likely to keep, and $214 on some shorts in a bunch of sizes via online shopping of which I'll probably keep 1-2, so $60 worth, so I really only spent $437 on clothing this month?
- $31 Entertainment/Social [average so far this year: $146, average last year: $211] – Wasn't here for most of February, so not much spending here.
- $0 Eating out by myself [average so far this year: $6, average last year: $18]
- $89* Groceries [average so far this year: $89, average last year: $185] – This was low since we were gone for most of the month. We somehow managed to spend exactly $0.09 more on groceries in February than in January, after spending $0.55 less in January than in December. That is crazy!
- $6 Work lunches [average so far this year: $25, average last year: $147] – There weren't too many work days in February :)
- $96* Electricity – December/January [$240 at this time last year]
- $5* Household goods – stocking up on Kleenex
- ($16)* Internet – Negative because I overpaid in January.
- $8 Toiletries [average so far this year: $15.5, average last year: $33] – vitamins
- $22 Recreation – yoga
- $X* Costco membership – we decided to try it for a year
- $39 Fuel [$0 at this time last year]
- $10 Taxis – home from dinner with a friend
- $5 Tolls
- $3,640 Travel – the rest of our New Zealand trip
* indicates expenses that were in the joint account. I calculate my expenses by tallying up all of my individual expenses for the month, adding in my mortgage payment, and adding in half of the joint expenses.
Savings: $42,200 (down $100)
These funds are spread across a checking account that gets free ATM fees anywhere in the world, my health savings account, a savings account at my credit union, and a bit of a buffer in my credit union checking account.
This is down from an ATM withdrawal in New Zealand. It should be down a bit more, but I didn't transfer the money to my checking account to cover my March spending until March 1st.
Investments: $176,500 (up $7,900 or +4.7%)
This includes my 401(k) from my former employer: Roth, Traditional, and employer matching (fully vested!), my Roth IRA, my taxable investments including stock index funds and Series I Savings Bonds.
The change here comes from:
- My former employer depositing the matching money I missed out on – I was not expecting this!
- Some healthy gains in the stock market
My former employer 401(k) account is back above $100,000! And my Roth IRA is now worth just over $40,000! Woo!
Mortgage: $141,500 (down $800 or -0.6%)
Some statistics here:
- 2.5%: the interest rate on my 5/1 ARM
- January 2018: when the interest rate on my mortgage is set to reset, possibly to 7.5%
- 0: months of payments eliminated with this month's pre-payments
- $0: extra payments made on the mortgage this month
- $0: interest this month's extra payments will save me on the next regular payment
- 28.9%: portion of my regular payment went to interest (originally was 59%; down 0.1 percentage points)
- 60.5%: amount of equity in my condo, assuming purchase price (up 0.2 percentage points)
- 50.5%: amount of the mortgage I've paid down (up 0.3 percentage points)
- $24,500: amount extra remaining to pay to be on track at the end of 2015 to pay the mortgage off before the rate resets in 2018 (no change from last month)
I'm just letting the regular, automatic payment go for now. Nothing special to see here.
TOTAL: $533,800 (up $3,800 or +0.7%)
I ended 2014 with a net worth of $531,600, so I've seen a change of +$2,200 or +0.4% so far this year. I'm going to set the y-axis on this graph to $650,000 so we can see how my net worth grows towards that throughout the year. The graph is still boring, but I'll post it once it gets interesting.


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Maybe I'm old-fashioned in thinking that Halloween recipes should be shared near Halloween, but that's just the way we do things here at High Heels and Grills! No worries, this won't be the last one you see for this year either. I'll come right out and tell you that I did not think up this recipe, but the moment I saw it, I knew it was way too cute to pass up!
I found this in a Betty Crocker cookbook that a picked up a while ago and could not get over how clever it was. I've never seen anything like it and I wanted to share it with all of you right away! They'd be so cute for those Halloween parties you'll be throwing!
- 1 cup peanut butter chips {Can be found next to the chocolate chips in most grocery stores}
- 1/2 cup (1 stick) butter
- 2/3 cup packed brown sugar
- 1 tsp. vanilla extract
- 1 egg
- 1 1/2 cups bread flour {Or all-purpose flour works fine, too}
- 1/2 tsp. baking soda
- 16 thick pretzel rods, broken in half
- 8 large shredded wheat cereal biscuits {and by large, I mean really large}
- 1 (16 oz.) tub chocolate frosting
- 1 (7 oz.) pouch red Cookie Icing
- In a medium bowl, microwave the peanut butter chips and butter on high for 30 seconds, then in 15-second intervals until smooth.
- Stir in brown sugar, vanilla and egg until well combined.
- Add flour and baking soda and mix until blended.
- Cover and refrigerate for 30 minutes.
- Preheat oven to 350°F.
- On a lightly floured surface, roll the dough to 1/4 inch thickness.
- Cut with a 2-inch bell-shaped cookie cutter. {Or if you're like me and you don't have a bell-shaped cookie cutter, an upside down heart works great as well!}
- Place the cutouts on an ungreased cookie sheet about 2 inches apart.
- For each cookie, place a pretzel rod on the top of the bell {or point of the heart}, leaving 2-1/2 inches of pretzel exposed.
- Bake 5-6 minutes, then let cool completely.
- Pull cereal biscuits apart until you have some straw-like pieces.
- Spread a thin layer of chocolate frosting on each cookie and the sprinkle cereal shreds to create brooms. {It works best if you press the shreds into the frosting, so they stick better.}
- Pipe thin rows of red icing near the top of the 'broom' to look like stitching.
- Let stand until set.
I think next time I'll drizzle a little bit of white icing or something over them – just to give the cereal some added sweetness. Hope you like them!
Linking up here.

subset: commoncrawl


text:
The Sea & Sea SS-F-1500 Foam Set is a three-piece set of replacement foam for the Sea & Sea Pelican 1500 case.
- Three-piece replacement foam set that consists of one "egg crate" foam upper section, one Pick 'N' Pluck foam center section and one 1.0" blank bottom foam section.
- Compatible with Sea & Sea Pelican 1500 case


text: Great location with this hotel just a few miles from the airport and business I had also just a few miles away. Room was quiet, with a little airplane noise in the evening and morning but none noticed during "sleeping" hours. A/C kept the room nice and cool, and the bed was extremely comfortable. There was food and drink available... More


text:
2006 rap song by American rapper E-40.
With a legend like Hank, than man who largely dragged country music into the modern age, the question is how do you pick just 40 of his songs? There were the immediately obvious biggies like "Hey Good Lookin'," "Jambalaya," and "Move … see full wiki
What did you think of this review?


text:
Maritime News
The christening last week of the Vicente Pinzon marks the completion of Alianca Navegacao's reais 700 million ($224.5 million) cabotage and coastal fleet upgrade aimed at securing its dominance in the Brazilian cabotage market
CMA CGM will sign a $1 billion financing agreement with the Export-Import Bank of China on Wednesday when Chinese premier Li Keqiang visits the French carrier's headquarters.
Shippers on Asia-Europe have never been fans of the host of surcharges levied by carriers on the trade and have routinely levelled complaints that the ad-ons were more boosters of revenue rather than a cost recovery mechanism.
The G6 Alliance continues to add port calls to its Asia-North Europe services, this time in China, in a bid to secure additional cargo loads on the trade during the much hoped for peak season.
The European Union stepped up pressure on the Greek government to levy a higher tonnage tax and end tax breaks for the powerful shipping industry amid growing fears the country is heading for default and an exit from the eurozone.
Cosco, the largest shipping group in China, is back in the corruption spotlight with the National Audit Office issuing a report that accuses the carrier of serious financial irregularities.
Carriers on the Asia-Europe trade held out for as long as they could — or longer than they should, considering the recent rate collapse — but after four months of steadily falling spot market prices, the lines have finally been forced to reduce capacity.
As ships grow larger, so does the challenge of finding a port of refuge where they can secure salvage assistance during emergencies.
Fixing in the container vessel charter market is turning patchier as summer draws near, with hire rates for ships with capacities of 2,500–3,000 twenty-foot equivalent units declining in particular. Rates for gearless 2,700–2,800 TEU ships, which remain popular for the growing intra-Asia trade, continued to erode last week when reports emerged that two vessels had been fixed at a cost of $12,000 a day.
Kattupalli International Container Terminal, an emerging alternative gateway on India's southeastern coast, last week celebrated the first ship call of the SCI Middle East India Liner Express, or SMILE, an intra-regional service by state-owned carrier Shipping Corporation of India.


text:
When we study living things, we like to include four topics: morphology life cycles habitats relationships with humans The morphology (study of the form) of flowers includes the parts of the flower and what each part does, as well as the different kinds of flowers. Start by...Read More
Botanical gardens are sort of like zoos for plants. We visited the Botanical Garden of the Ozarks, a small but wonderful garden linked to Lake Fayetteville by an equally wonderful five mile bike and walking trail. When you visit a public garden, you can always just enjoy seeing...Read More
Celebrate Cinco de Mayo in your classroom! Hold the margaritas, obviously, but otherwise it's fiesta time! The first thing is to be sure not to call May 5 "Mexican Independence Day." Mexico has an Independence Day in September. Cinco de Mayo is a day to...Read More
resources for the plugged-in teacher
The modern world needs people who are creative, good at problem-solving and communication, able to collaborate, and capable of working with technology.
Are we giving our students the skills they need to thrive in the global marketplace? Can we do so while meeting current expectations?
Here are some posts to inspire:
Science, Technology, Engineering, and Math are greatly in demand in the modern work world. We can incorporate these fields of study into instructional units from preschool on and give our students the strong foundation they need.
End the Skills Gap!
Some posts from this category:
In addition to workforce preparation, education must include the arts, geography, history, and the sharing of all the things that make us human. Here at FreshPlans, we have a special fondness for fairy tales, but you'll also find lessons for all kinds of art, literature, music, and philosophy.
Here are a few to explore


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But Bass, the quiet one of the group, might actually be the more interesting one to watch.
The events of last week will quiet those concerns, at least for a time.
The night was quiet, boringly so, and for several hours, we walked around, waiting for something to happen.
c.1300, "freedom from disturbance or conflict; calm, stillness," from Old French quiete "rest, repose, tranquility" and directly from Latin quies (genitive quietis) "a lying still, rest, repose, peace," from PIE root *qwi- "rest" (cf. Old Persian shiyati-, Avestan shaiti- "well-being;" Avestan shyata- "happy;" Gothic hveila, Old English hwil "space of time;" see while (n.)). Late 14c. as "inactivity, rest, repose."
late 14c., "peaceable, at rest, restful, tranquil," from Old French quiet and directly from Latin quietus "calm, at rest, free from exertion," from quies (genitive quietis) "rest" (see quiet (n.)). As an adverb from 1570s. Related: Quietly; quietness.
late 14c., "subdue, lessen," from quiet (adj.) and in part from Latin quietare. From mid-15c. as "to make silent, cause to be quiet;" intransitive sense of "become quiet, be silent" is from 1791. Related: Quieted; quieting.


text:
It's been nearly three years since anyone has heard from me on here. So I guess it's my responsibility to write a new one.
Over the past three years, I
A: Lost the house I grew up in due to foreclosure
B: Began working at Wal-mart as an overnight stocker
C: Lived in a trailer with no heat through the winter months with my significant other
C: Moved an hour away from my family to live with some good friends and worked at Sam's Club
D: Got back with the love of my life purplepenguinofdoom
So that's the cliff-notes. Moving on.
I got a new job last week. Yea, I know Walmart, Sam's Club blah blah. It didn't work out. After working with them for three years I got fired over attendance problems. No hard feelings. I had it coming. But I got a much better job after that. I'm now a security guard! I do access control at a golf community gatehouse. More simply put, I flip the switch for those that deserve it. Pays better than retail, plus I got the overnight shift, which is boring, but less hectic. I was also finally forced to get my learners permit so I can get my license. My bosses want to put me on a roving patrol of the neighborhood soon, and that requires a license to drive the patrol car. After two months here, I get access to full benefits, medical, dental, vision, and a 401k. All in all, I got myself a great job. Don't mess it up.
It's safe to say it's been a rough year for me. I've had to end several friendships because people suck. I've moved three times, and can't quite find the right spot for me. I did enroll in school finally, but I'm not very good at it at all. My credit score hasn't gotten any better. Woe is me, woe is me.
But hey, there's an upside! I finally wrote a journal!
Stamps I made
Stamps by "others"
Ok.....so I really really want someone to buy my prints. Not sure why. I don't make a huge profit but its nice to know that someone likes my art enough to spend money on it. So if you like my stuff in my shop maybe.....you could buy......or at least add something to your wishlist?....Please?
Please please please please check out my SHOP
Check out my home-dogs' accounts
My Big Sis My Other Big Sis
Bench Warden Turbo
Don't forget the newbies!
My Clubs
People that stalk me cuz they can't help themselves!


text:
Hi I have a rails application that lists different teams in a list on one the views. The teams are links and used in the url for example localhost:3000/teams/chelsea shows chelsea.
If I have a team called man utd when I click the link it escapes all the spaces so the url is like localhost:3000/teams/man%20utd but I just it want it to be localhost:3000/teams/man utd
Below is my line of Ruby code:
<a href="/<%= team["name"].html_safe %>"><%= team["name"] %>
I tried using .html_safe after reading other questions and also .raw but have had no luck with them I am beginner to Rails so I could be making a basic syntax error. What is the best way to solve this problem?


text:
Summit Business Networking Event for July 2015
- Business & Professional
- 190 River Road, Summit, NJ 07901
Niagara Falls Business Networking Event for May 2014
TipClub, Inc
Friday, May 9, 2014 from 7:30 AM to 9:00 AM (EDT)
Join us on Friday morning, May 9, for our BUSINESS NETWORKING EVENT that will make you new connections, grow your business, learn of new ideas and technologies on how to effectively network in Niagara Falls, New York. Our events generate hundreds of business opportunities and there is no cost to attend.
Register early before the event closes out and feel free to bring a guest!
DATE: May 9, 2014
TIME: 7:30 AM to 9:00 AM
COST: None
Four Points by Sheraton
7001 Buffalo Avenue
Niagara Falls, NY 14304
The meeting starts PROMPTLY at 7:30 AM.
Coffee will be provided - Breakfast would be available at a cost to each invididual.
Registration is required
TipClub is a business utility that connects and strengthens business relationships. Launched in 1999, the website lists over 50,000 business opportunities and has proven to be an invaluable tool to thousands of successful business people.
Join millions of people on Eventbrite.
In order to purchase these tickets in installments, you'll need an Eventbrite account. Log in or sign up for a free account to continue.


text: The rooms were dirty. The suposedly clean towels had bugers and yellow stains in them. The bed sheets had dead mosquitos, flies, and blood stains (one giant pee stain too). There were bug guts on the ceiling, the walls, and the floors. Bed bug covers on pillows and matresses got my wife freaked out. Front desk asked if wanted another... More


text:
Filled with hundreds of useful tips to booth your productivity and creativity, including the top 20 tips all users should know.
An effective introduction to blend modes including an introduction to advanced blending options for power users.
Learn the most efficient methods for importing Adobe Photoshop CS2 content into Macromedia Flash Professional 8.
Packed with timesaving Photoshop tips and shortcuts.
"For five days I have been excitedly moving from lesson to lesson, course to course. These are the finest and most reasonably priced tutorials I have ever found!" —David S.
more from our members »


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Personalise your news, save articles to read later and customise settings
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WA Today
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Forensic experts have confirmed that human remains found at the old Pentridge Prison site in Melbourne are those of notorious Australian bushranger Ned Kelly. After an exhaustive 20-month investigation, scientists and doctors today revealed that an almost complete skeleton found buried in a wooden axe box were those of the famous outlaw, who was executed in 1880. Fig. 4. Left arm (humerus) showing evidence of bone remodelling on the distal end. Photo: SUPPLIED IMAGE
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Fairfax Media's talented team of artists, illustrators and cartoonists give us their very own humorous version of the news of the day.
Fairfax cartoonists' unique view of the world.
The best pictures from the international wire services as chosen by the Picture Editors at the Sydney Morning Herald. Follow us at ...
An estimated 600 people marched from Sydney Town Hall to The Block in Redfern on Sunday afternoon to protest the forced closure of ...
More than 400 images canvassing the work of more than 120 photographers form the basis of the largest exhibition of Australian photography ...
A week in photos from award winning Fairfax photographers for the week ending June 25, 2015. Like these photos? Selected images available ...
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Top 20 Finalists in the 2015 Nikon Surf Photo of the Year
Photos of the week
Aboriginal land protest stops Sydney
Schoolies hit Kuta
Editorial cartoon
MBFF Brisbane casting auditions
Exhibition showcases Australia's best underwater photographers
Canberra Times readers enter stunning photographs into the winter photocomp.
Canberra Times readers' stunning photographs (gallery 2)
The remains of Australia's most famous outlaw, Ned Kelly, are finally to be laid to rest, 132 years after he was hanged for murder.
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text:
I love raising standard poodle puppies as pets. They are raised in the house with us. We live on 35 acres in SW Colorado by Durango, and they get plenty of exercise and sunshine. All puppies are AKC limited registration and come with a health guarantee.
I pray for all my puppies to find just the right home and God always delivers just the right people.
Our Mommy dog is cream colored and the Granddaughter of our first Mom and Dad. We have a new Dad we have added to our family. He is brown with mostly brown and red heritage. They both have great mellow personalities. Winston(the Dad) is in training to be a Therapy dog.
Standard Poodles are hunting dogs and have webbed feet. Poodles make great pets, hunters, athletes, therapy and service dogs. Extremely smart and ours are bred for temperament. Great with children!! And of course non-allergenic and they are so clean. They don't shed.
I will not ship puppies. We sometimes have enough going to the Denver area and we take them all up at once with a $75.00 delivery fee.
Email me at firstname.lastname@example.com to ask questions about an up coming litter.
Thanks for checking out our web site.
Are we having fun yet??
Dawn she is truly beautiful!!


text:
Of all the world's annual auto shows, none surpasses the size of Frankfurt's biennial exhibition. Although the show begins officially on September 12th, members of the media came early to photograph the human and automotive models on display.
Ladies of the Frankfurt Auto Show
6 / 22
Frankfurt Auto Show
A model shows the plug connector of the new Audi A3 e-tron at the IAA international automobile show on September 10, 2013 in Frankfurt, Germany. (Photo by Thomas Lohnes/Getty Images)


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RIM joining forces with Google on a united app front
The BlackBerry PlayBook tablet has been filmed running Android applications, despite being announced with its own proprietary QNX operating system.
In the video which you can see below, the PlayBook is being demonstrated by a RIM representative during Mobile World Congress, who makes the interesting Google Android OS support reveal.
.relatedLinksLeft { font-size:12px; width:300px; margin:12px 12px 12px 0; float:left; padding:0px 0px 10px 0px; background:#ececec; } h3.rlTitle {margin:0px; display:block; padding:5px 0 4px 15px !important; background:#ddd; }
Talk of the PlayBook getting Android apps filtered through earlier this month, and this seems to be the most concrete evidence yet of what looks like a sensible business move from the guys at RIM.
Opening its application doors to an already growing Android Market, is likely to increase the appeal of the device which is strongly tipped to give the iPad (and the iPad 2) a run for its money in 2011.
A UK release date for the BlackBerry PlayBook has yet to be confirmed, despite the BlackBerry PlayBook 4G which is an almost identical device plus 4G support, hitting US stores in the summer.
You can check out the BlackBerry PlayBook video in question below.
Link: Ubergizmo


text:
Photos of Orlando Bloom Fixing His Motorcycle in NYC
Orlando Bloom Is a Regular Mr. Fix-It
by Celebrity
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Orlando Bloom got some help from a friend Thursday when he needed to fix his motorcycle in NYC. He popped up on the East Coast after spending time in LA last week, making the trip with Miranda Kerr and his dog Sidi. Orlando seems to have a motorcycle in each of the many cities he calls home, and occasionally he even has a hot friend like Olivier Martinez or Eric Bana to keep him company on the open road.
Image Source: Pacific Coast News Online
Read More Orlando Bloom
POPSUGAR, the #1 independent media and technology company for women. Where more than 75 million women go for original, inspirational content that feeds their passions and interests.
roxy17 5 years
roxy17 5 years
ilanac13 5 years
i guess if you have the money and a place to park it, having a motorcycle all around the world makes a lot of sense. :) it's easier than having a car right?
sidra5397 5 years
He looks great. I love him in motorcycle gear.
MartiniLush 5 years
Wow, he is looking incredibly hot these days!! YUMMY!
mediaddict000 5 years
Did he fix anything, or just look for cameras? lol I'm just kidding. Love him!
wicca_08 5 years
Love him.
wicca_08 5 years
Love him.
pinkpeonygirl 5 years
The feminist in me would fix her own car, but the romantic in me wouldn't mind being somewhere in the south of France, stuck with car trouble and then having Orlando and Olivier helping me out. Aaah, nice fantasy...
5 years
Orlando is the hottest, and he only gets better with age. Someone give this guy a great epic role.
5 years
Fix his motorcycle? Really POPSUGAR? Actually the lisence plate fell off and they were just replacing it. :oy:
MissHalfway 5 years
Hot! I love him...
MissHalfway 5 years
Hot! I love him...
jazzytummy 5 years
Agree, great pix of him.
jazzytummy 5 years
Agree, great pix of him.
spicyaroma 5 years
Gosh, he looks hot here!
spicyaroma 5 years
Gosh, he looks hot here!


text:
Wot I Think: Zeno Clash 2
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Registered User
Join Date: Jun 2009
Posts: 56,046
Wot I Think: Zeno Clash 2
Zeno Clash 2
is the sequel I always wished would come to fruition, but never dared hope for. I mean, if you look at the Call of Duties or even Grand Theft Autos of the world, there's no real intrigue amongst all the announcement glitz and glamour. We already know roughly what we're in for. But
the original Zeno Clash
opened this swirling, cream-colored Pandora's Box of possibility, only to slam it shut ' nearly taking our fingertips in the process ' after a mere few hours. It was so weird and alien and gleefully unafraid to just do its own thing. But in the modern gaming world, that also often translates to 'it'll sell 12 copies and confuse even typically adventurous gamers and live on only in the hearts of its most fervent disciples.' Not usually the stuff sequels are made of. Against all odds, however, Zeno Clash did quite well for itself, and Zeno Clash 2 was born. But is the first-person brawling oddity all it's thwacked (and biffed and zotted) up to be? Here's wot I think.
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text:
High school basketball: Star Spencer salutes its heritage, Dunjee Tigers
Following Monday's game, the team posed for a photo with all of the Dunjee alumni who were able to attend the game. It was a special night all the way around, as Star Spencer honored a part of its heritage.
"It means a lot to show that we support everything that school had to go through when it was closed, and give back to the community," said Star Spencer senior Keyon Prince, who scored 22 points Monday. "We got to meet the people who went there. They tell us stories from the school, so it's pretty neat."
This was the fourth straight year that Star Spencer has honored the Dunjee Tigers, and coach Patrick Cudjoe sees the importance it has to the community around Spencer.
Cudjoe said holding the event during Black History Month added to its impact.
"During desegregation, they started sending all those students to Star Spencer, and those kids were forgotten about," Cudjoe said. "They're adults now, grandparents and great-grandparents, and they deserve to be honored. It's fun for us to put on these gold uniforms and bring everybody out.
"Each year this gets bigger and bigger. They come and they show their Dunjee pride. It's a lot of fun for everybody."


text: Just checked in. Decor in my room a little tired/dated and view uninspiring but d'you know what?? I only paid €48 for it, it's clean, the bed's comfy and it's quiet so it'll do me just fine ta very much! 👍 The staff at reception have been really helpful and it's just nice to occasionally have a room to myself... More


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Tech Carnival @ AT&T Park
- 24 Willie Mays Plaza, San Francisco, CA, 94107
GCR 2013 Benefit Gala
Gritty City Repertory Youth Theatre
Saturday, October 12, 2013 from 4:00 PM to 8:00 PM (PDT)
We will gather at American Steel Studios, a unique urban space in West Oakland where artists and entrepreneurs can create and inspire.
This warehouse is not only home to all sorts of amazing local artists, including our own board chair Joel Key, but is also where many of the iconic and enormous Burning Man figures are built and housed.
I can't imagine a more exciting place for a GCR celebration!
AND if you SUBSCRIBE to our 2013-2014 season of shows before September 15, you get $10 off your gala ticket!
The money you spend on your ticket makes it possible for GCR to produce transformative theatre with Oakland youth. Even more important, YOU get to have fun at a great party, where you can...
Get your ticket now! Bring a friend! Bring two friends!
See you at the party!
Mission: Gritty City Repertory Youth Theatre provides Oakland youth with access to performing arts programs that nurture, stimulate & transform. We create unique spaces where young adults feel inspired to risk and explore, developing leadership, confidence, and empathy for their human family through the production of powerful theatre.


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Oct. 13-19, 2013
For information, call the Betty Ehart Senior Center (BESC) at 662-8920, the White Rock Senior Center (WRSC) at 662-8200 and "Day Out" (adult day care, 8 a.m.-4 p.m.) at 661-0081. Reservations must be made by 10 a.m. for daily lunches.
Betty Ehart
BESC closed for Columbus Day
8:30 a.m. Mac users group
8:45 a.m. Variety training
10 a.m. Computer users group
11:30 a.m. Lunch: Sausage lasagna
1 p.m. Arthritis self-management course
1 p.m. Bingo
7 p.m. Bridge
7:30 p.m. Table tennis
8:30 a.m. RSVP quilters
8:45 a.m. Cardio plus exercise
10:45 a.m. Music with Ruth
11:30 a.m. Lunch: Lemon cod
11:45 a.m. Winnie Berry at the piano
1:15 p.m. Socrates Café
1:30 p.m. Daytime duplicate bridge
8:30 a.m. Walk-In-The-Woods
8:45 a.m. Variety training
11:30 a.m. Lunch: Green chile chicken tortilla soup
1:30 p.m. Tap dancing
2 p.m. Ballroom dancing
6:30 p.m. Chess
7 p.m. Bridge
9:15 a.m. Line dancing
11:30 a.m. Lunch: Chicken fried steak
11:45 a.m. Tom Oliphant at the piano
12:30 p.m. Movie: "Quartet," 2012
10 a.m.-1 p.m. BESC open
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i need gout diet - Various Types of Arthritis
Various Types of Arthritis
Arthritis is a disease that causes pain and loss of movement of the joints. Joint pain is referred to as arthralgia. Arthritis is the leading cause of disability in people over the age of 55. The causes of arthritis depend on the form of arthritis. Causes include injury (leading to osteoarthritis), abnormal metabolism (such as
and pseudo
), inheritance, infections, and for unclear reasons (such as rheumatoid arthritis and systemic lupus erythematosus). There are many forms of arthritis .There are about 200 different kinds of arthritis. The most common type is osteoarthritis (or degenerative arthritis), where the cartilage that protects the bones gets worn away. This makes joints stiff, painful and creaky. About 5 million people in the UK have osteoarthritis. OA is a chronic degenerative arthropathy that frequently leads to chronic pain and disability. With the aging of our population, this condition is becoming increasing prevalent and its treatment increasingly financially burdensome. Using radiographic criteria, the distal and proximal interphalangeal joints of the hand have been identified as the joints most commonly affected by OA, but they are the least likely to be symptomatic. Age is the most consistently identified risk factor for OA, regardless of the joint being studied. Prevalence rates for both radiographic OA and, to a lesser extent, symptomatic OA rise steeply after age 50 in men and age 40 in women. Occupation-related repetitive injury and physical trauma contribute to the development of secondary (non-idiopathic) OA, sometimes occurring in joints that are not affected by primary (idiopathic) OA, such as the metacarpophalangeal joints, wrists and ankles.
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is one of the most painful types of arthritis.
was once incorrectly thought to be a disease of the rich and famous, caused by consuming too much rich food and fine wine.
is a disease due to a congenital disorder of
uric acid
metabolism. Uric acid is produced when
s are broken down by enzymes in the liver.
can be generated by the body itself (via the breakdown of cells in normal cellular turnover) or can be ingested in
-rich foods (e.g. seafood, beer). Gout usually attacks the big toe (approximately 75% of first attacks), however it can also affect other joints such as the ankle, heel, instep, knee, wrist, elbow, fingers, and spine. In some cases the condition may appear in the joints of the small toes which have become immobile due to impact injury earlier in life, causing poor blood circulation that leads to
Chronic gout
can lead to deposits of hard lumps of uric acid in and around the joints, decreased kidney function, and kidney stones. An acute attack of
is a highly inflammatory arthritis often with intense swelling, redness and warmth surrounding the joint. The inflammatory component is so intense, an acute attack of
is often mistaken for a bacterial cellulitis.
is mainly treated with anti-inflammatory drugs. Corticosteroids (also called steroids), may be prescribed for people who cannot take NSAIDs. Steroids also work by decreasing inflammation. Steroids can be injected into the affected joint or given as pills.
is often used to treat
and usually begins working within a few hours of taking it. Revision is very important when writing or speaking about a topic. We had a lot of drafting to do to come to this final product on
Psoriatic arthritis is related to the skin condition psoriasis. It occurs more commonly in patients with tissue type HLA-B There are five clinical patterns of psoriatic arthritis. First is Asymmetrical mono- and oligoarticular arthritis (30-50% of cases) is the most common presentation of psoriatic arthritis. Second is symmetrical polyarticular arthritis (30-50% of cases) is ultimately the most common form of psoriatic arthritis. Third is distal interphalangeal (DIP) joint involvement (25% of cases) is nearly always associated with nail manifestationsm. Fourth is Arthritis mutilans is affects less than 5% of patients and is a severe, deforming and destructive arthritis. This condition can progress over months or years causing severe joint damage. Fifth is Axial arthritis (30-35% of cases) may be different in character from ankylosing spondylitis, the prototypical HLA-B27-associated spondyloarthropathy. It may present as sacro-iliitis, which may be asymmetrical and asymptomatic, or spondylitis, which may occur without sacro-iliitis and may affect any level of the spine in "skip" fashion. Genetic factors appear to play an important role. There is a 70% concordance for psoriasis in monozygotic twins. There is a 50-fold increased risk of developing psoriatic arthritis in first-degree relatives of patients with the disease. Environmental factors have been implicated. Streptococcal infection can precipitate the development of guttate psoriasis. HIV infection can present with both psoriasis and psoriatic arthritis, as well as worsen existing disease. After reading what was written here, don't you get the impression that you had actually heard about these points sometime back. Think back and think deeply about
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Septic arthritis also known is Pyogenic arthritis. Septic arthritis is infection, usually bacterial, in the joint cavity. Septic arthritis usually affects just one joint, though occasionally it may occur in more than one joint at a time. It is the most dangerous form of acute arthritis. The joint cavity is usually a sterile space, with synovial fluid and cellular matter including a few white blood cells. Many different types of bacteria (germs) can cause septic arthritis. Infection with a bacterium called Staph. aureus is the most common cause. Septic arthritis is inflammation of a synovial membrane with purulent effusion into the joint capsule, usually due to bacterial infection. This disease entity also is referred to in the literature as bacterial, suppurative, purulent, or infectious arthritis. The most common bacterial isolates in native joints include gram-positive cocci, with S. aureus found in 40% to 50% of the cases. Septic arthritis is uncommon from age 3 to adolescence. Children with septic arthritis are more likely than adults to be infected with group B streptococcus and Haemophilus influenza. Young children and older adults are most likely to develop septic arthritis. As the population ages, doctors are finding that septic arthritis is becoming more common. Symptoms of septic arthritis occur suddenly and are characterized by severe pain, swelling in the affected joint along with acute pain. Chills and fever are also common symptoms. Chronic septic arthritis (which occurs less frequently) is caused by organisms such as Mycobacterium tuberculosis and Candida albicans. The knee and the hip are the most commonly infected joints. We tried to create as much matter for your understanding when writing on
Rich Foods. We do hope that the matter provided here is sufficient to you.
Rheumatoid arthritis (RA) is traditionally considered a chronic, inflammatory autoimmune disorder. Rheumatoid arthritis occurs when the body's defence mechanisms go into action when there's no threat and start attacking the joints and sometimes other parts of the body. RA affects 1 million Americans, or about 1% of the adult population in the United States. This disease is 2 to 3 times more common in women than in men, and generally affects people between the ages of 20 and However, young children can develop a form of RA called juvenile rheumatoid arthritis. Two of the 100 types of arthritis are rheumatoid arthritis and lupus. There are specific symptoms, distinguishing characteristics, as well as overlapping symptoms associated with rheumatoid arthritis and lupus. Rheumatoid arthritis is an additive polyarthritis, with the sequential addition of involved joints, in contrast to the migratory or evanescent arthritis of systemic lupus erythematosus or the episodic arthritis of
. Occasionally, patients experience an explosive polyarticular onset occurring over 24 to 48 hours. Morning stiffness, persisting more than one hour but often lasting several hours, may be a feature of any inflammatory arthritis but is especially characteristic of rheumatoid arthritis. Its duration is a useful gauge of the inflammatory activity of the disease. It is of no use thinking that you know everything, when in reality, you don't know anything! It is only because we knew so much about
that we got down to writing about it!
Juliet Cohen writes articles for
Learn More about Natural Gout Remedy
Turn to Diet for Everyday Ailments
/p> The old clich' that you are what you eat is quite true. Many people suffer from certain health conditions that even though may not be cured, can be controlled through your diet. All foods have certain qualities that affect the body in different ways. Nutrients are broken down and used in different ways, allowing your body to use them how it desires. Herbs have been forever...
Gout - related or not to hyperuricemia?
Gout is a health problem resulting because of the deposit of uric acid crystals in the joints and surrounding tissues. It is characterized by an excess of uric acid in the body that deposits in different parts of the body leading to recurring attacks of joint inflammation. We know two types of gout: acute and chronic. The most severe phase of gout is chronic gout that beside joint inflammation...
Gout and Tart Cherries
Are cherries truly fruit for a healthy you? These day's people want to take care of themselves and tart cherries can help. Tart cherries naturally pack a health-promoting punch that provides pain relief for many people. Recent studies have revealed that tart (sour) cherries offer an assortment of health benefits including the ability to offer natural relief from joint pain caused from gout and...
A Diet Plan for Gout With a Cherry On Top
Almost 90% of gout victims are men over thirty years old. But women can also suffer from gout, especially if they take certain medications such as blood pressure drugs. Most women who suffer from gout are 60 years or older. Gout is a form of arthritis caused by high levels of uric acid in the blood, tissues, and urine. The uric acid can form crystals which collect in joints such as the big...
Know About Anti Gout Diet Tips
Most fruits and vegetables are high in potassium. Potassium regulates electrolytes in the body and has the ability to get rid of uric acid crystals from the blood. Potassium-rich fruits are bananas, avocados, apricots and cantaloupe. High-potassium vegetables include spinach, potatoes, asparagus, beets and pumpkin. Purines are mostly found in foods which are high in protein and fat...
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All hotels in Windermere, England, United Kingdom
1 room, 2 adults
Back Belsfield Road, Bowness-on-Windermere, Windermere, England, LA23 3HH, United Kingdom, 800-491-6126
The Burn How Garden House Hotel, Cumbria (county)
Lowest price$126
available on 07/07/15
Best Price Guarantee
Mountain hotel in Bowness-on-Windermere with restaurant, bar/lounge
- Free cooked-to-order breakfast, free WiFi, and free parking
Main amenities
- 28 guestrooms
- Restaurant and bar/lounge
- Fitness center
- Daily housekeeping
- Garden
- Front desk safe
- Laundry service
- Luggage storage
- Limited hour front desk
What's around
- In Bowness-on-Windermere
- World of Beatrix Potter (0.4 mi / 0.6 km)
- Lake District National Park (1.6 mi / 2.5 km)
- Windermere Golf Club (1.6 mi / 2.6 km)
- Hill Top (2.7 mi / 4.4 km)
Great hotel, most room are single cottages, with one two storey building. All room have a…
Chalet buildings a little tired. They need sprucing up.
TripAdvisor Traveller Rating: 4.5
From 385 reviews
Enter dates to check prices
Hotel Info: 866-539-8117from $126
- Two Twin Beds, Wheelchair Accessible
- Deluxe Double Room
- Superior Double Room
- Family Room (2 Adults + 2 Children)
- Standard Twin Room
- Double Room
- Double Room (1 Adult)
Recommended hotels
At a glance
Key facts
Hotel size
- This hotel has 28 rooms
- This hotel is arranged over 2 floors
- Check-in time 3 PM-11 PM
- Check-out time is 11 AM
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- Pets not allowed (service dogs only)
- Free WiFi in public areas
- Free WiFi in rooms
- Free self parking
- Accessible parking
Nearby Three Star Cumbria (county) hotels
In the hotel
Food and drink
- Free cooked-to-order breakfast
- Restaurant
- Bar/lounge
- Room service (during limited hours)
Things to do
- Fitness facilities
- Front desk (limited hours)
- Dry cleaning/laundry service
- Laundry facilities
- Luggage storage
- Number of buildings/towers - 4
- Safe-deposit box at front desk
- Garden
- Disabled parking
In the room
Home comforts
- Climate control
- Coffee/tea maker
- Iron/ironing board
Things to enjoy
- Individually decorated
- Individually furnished
Freshen up
- Private bathroom
- Shower/tub combination
- Hair dryer
Be entertained
- 20-inch flat-screen TV
Stay connected
- Desk
- Free WiFi
- Daily housekeeping
Top Cumbria (county) hotels
Recently reviewed hotels in Cumbria (county)
- Sharrow BayFrom
- Hunters WayFrom
"We stopped here after a long day of hiking and climbing the fells. This was a great little B&B. The owners were lovely and the place was very well kept. Our room was quite large…"Jun 19, 2015
- Ambleside Central - Guest HouseFrom
"We stayed at this little hotel for two nights whilst exploring the Lake District and it was a perfect home base. It is a minimal hotel. No staff, no breakfast, no nonsense. You…"Jun 18, 2015
- Stonegarth Guest HouseFrom
"Location of the house is good, close enough to the lake & downtown with a 10-15 minute walk. Stephen and Di were excellent hosts, even bringing up a special fruit/croissant…"Jun 17, 2015
Nearby hotels
Special features
DiningThe Garden - This restaurant specializes in local cuisine and serves breakfast, brunch, lunch, and dinner. Guests can enjoy drinks at the bar. A children's menu is available.
On Site
- Fitness facilities
- Personal motorized watercraft on site
- Bicycle rentals nearby
- Ecotours nearby
- Golf lessons available nearby
- Golfing nearby
- Hiking/biking trails nearby
- Kayaking nearby
- Mountain biking nearby
- Rafting nearby
- Sailing nearby
- Water skiing nearby
- Windsurfing nearby
The Burn How Garden House Hotel, Cumbria (county)'s small print
Also known as
- Burn How Garden
- Burn How Garden House
- Burn How Garden House Hotel
- Burn How Garden House Hotel Windermere
- Burn How Garden House Windermere
- Burn How Hotel
- Burn How House Hotel
Optional extras
Rollaway beds are available for an additional charge
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.


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Despite the devastation of Superstorm Sandy, five Native American runners from tribes in South Dakota had little doubt that the New York City Marathon race would go on as scheduled Sunday.
But early Friday evening, after picking up their bib numbers, the team learned that the race had been cancelled.
Mayor Michael Bloomberg made the decision amid criticism that holding the race would be insensitive to a city where the storm killed dozens of people.
The South Dakota runners wanted to run the race to be positive role models and raise money for a youth shelter on the Pine Ridge Reservation.
One of them, Jeff Turning Heart Jr., told The Associated Press that the mayor's announcement "felt like a hit to the gut." The runners say they're disappointed but understood.
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What Is The Best Thanksgiving Dessert? [POLL]
As I was driving in for my show, I was in thought on the highway about Thanksgiving next week and how excited I am!
As I was driving in for my show, I was in thought on the highway about Thanksgiving next week and how excited I am!
I did it again the other night. I was channel surfing and stoped in a channel that was showing "The Goonies", and of course, I kept it there and watched the entire movie.
So I'm out in Providence last weekend chillin' in a few of the clubs with some friends, when we notice this girl who looks like a Asian barbie doll. Like an actual doll..plastic if you will.
Not that we are ones to judge fashion (Michael Rock's Nantucket Reds), but what the heck was Demi Lovato - or her stylist - thinking with her latest outfit?
As I was driving around earlier, I saw some cranberries being harvested and that made me very excited for Cranberry Sauce!
Every election, whether it's presidential or local, you'll hear more and more about how you should vote and it's your right to vote, and given this freedom you shouldn't just throw it away like some people do.
With Election Day just hours away, leave your final predictions here about HOW you think election will turnout.
With Hurricane Sandy now behind most of us on the Southcoast, we can say we are very fortunate in comparison to those who were hit head on by the hurricane in New York and New Jersey.
The bowl is HERE! Every year, my daughters grandmother goes OVERBOARD on buying candy. WAY over!!
One of the things I have noticed this weekend is a lot of people I talk too don't seem to be taking Hurricane Sandy too seriously. Some of them have been too busy to take notice. Others simply don't believe we'll be affected


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A survey of 317 U.S. adults found 9.5% were told about the possibility of overtreatment and overdiagnosis when talking with physicians about cancer screenings, although 80% said they wanted to know about possible harms. Researchers from the Max Planck Institute for Human Development in Berlin wrote in JAMA Internal Medicine that the "few who received information about over-treatment had unrealistic beliefs about the extent of that risk" and added physicians themselves may be uninformed about the risks of screening.
Full Story:Medscape (free registration)


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How did three Danes end up being tortured in Lebanon?
At 15 Omar went to Guantanamo. Here's his story
06 Dec 2004 13:25 GMT
Lieutenant-Colonel Steve Boylan said on Monday a further five would also face non-judicial punishment under Article 15 of the US military justice code, taking the total number of soldiers disciplined in this way to 23.
He declined to detail the sanctions. Article 15 gives commanders the right to order brief detentions of up to a month, the deduction of a month's pay, extra duties and the loss of rank.
Asked whether the command had taken into account complaints by the reservists that the fuel trucks they were asked to drive through hostile central Iraq were not sufficiently armoured, Boylan declined to comment beyond saying: "The soldiers' performances are all taken into account."
Orders disobeyed
At a court martial, soldiers found guilty of refusing to obey an order can be sentenced to up to two years in jail.
Dozens of roadside bombs gooff in the country every weekMembers of the 343rd Quartermaster Company, based at Rock Hill, North Carolina, disobeyed orders to take their unarmoured fuel tankers on a supply run from Tallil, near Nasiriya, in southeastern Iraq to Taji, just north of Baghdad, on 13 October.
Dozens of roadside bombs gooff in the country every week
They raised concerns about the safety and the condition of their vehicles and whether the convoy was getting adequate protection.
Regular attacks
Dozens of roadside bombs go off in Iraq every week, targeting US convoys and putting the truck drivers and convoy guards who keep the army supplied in the front line.
Some relatives have said the soldiers believed they were delivering contaminated helicopter fuel. The US military runs about 250 convoys daily, involving up to 3000 vehicles, to supply and equip its troops in Iraq.
The commander of the company was relieved of her duties after the incident. Other soldiers carried out the 13 October supply mission, the military said. The 343rd Quartermaster Company returned to full duty on 11 November.
Source: Reuters
The world's biggest producer and consumer of the metal sees a golden opportunity to expand its pricing power.
Business & Economy, Asia, China
Normalised Cuba-US relations could result in a hybrid economic model blending socialism and entrepreneurial spirit.
Business & Economy, Communism, Politics
Chasing dreams in an unlikely place, foreign footballers play in Somalia as country rebuilds from decades of conflict.
Sport, Africa, Somalia
Many of the 7,000 sex workers in this Kolkata red-light district say they have no other options for survival.
Asia, India, Women
After decades of tension and hostility between the two nations, has change finally come to US-Cuba relations?
As the Baku games close, we examine the challenges facing journalists; plus, Angola, Portugal and 'reverse colonialism'.
Media, Europe, Azerbaijan
How Brazil's football legend turned every Corinthians' match into a political meeting for democracy.
Politics, Football, Latin America
The ICC chief prosecutor discusses Sudan's president escaping justice in South Africa and alleged war crimes in Gaza.
Politics, ICC, South Africa


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Could Beck and Jones et al be cynically conspiracy theorizing for bucks?
Krauthammer et al are correct in believing that international relations is an unsentimental business.
Obviously, if Beaudry et al right, this is ferociously depressing news.
also et al, 1883, abbreviation of Latin et alii (masc.), et aliæ (fem.), or et alia (neuter), in any case meaning "and others."
An abbreviation of the Latin et alii, meaning "and others." "She was accompanied by the vice president, the secretary of state, et al."


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Chicago, ILUSA 60601
September 27, 2013
I've been to 35 countries and 20 US states and my travel bucket list is ever growing.
It's great to meet like-minded women and to share stories about our adventures, and encourage one another to keep traveling.
I love traveling, talking about travel, writing about travel, and helping others find their inner travelista.
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Retail Therapy
September 20th, 2013
From McSweeney's, Retail Therapy: Inside the Apple Store…
When Apple employees are asked what they love most about their job (and they are asked often) most invariably answer "the people." They mean their co-workers, not the customers.
Because the daily expectations for customer service go beyond anywhere else in retail, only those with managerial ambitions will invoke their commitment to helping people. Some thrive on that. Others get diagnosed with PTSD. Consider that the flagship store on Fifth Avenue in New York City is open 24 hours and has more annual foot traffic than Yankee Stadium, yet only one door. Every day, in every Apple Store, people flood to customer service, when what many truly need is therapy.
On the face of it, a typical set of retail customer service war stories. Until the last customer's story, which is something else entirely, a reminder of how personal our modern personal computers have become.


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how to plug JBL Flip into Apple TV
I know that I need to get the 3.5 mm cord but will this plug into the Apple TV unit. I'm already using the wireless through the Apple TV plugged into my projector to mirror my Ipad. Can't use wireless speaker at same time.
- Asked by Amy P from San Jose
JBL Micro Wireless Bluetooth Speaker
Product No Longer Available
No Answers have been submitted


text:
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There was an error loading Chartbeat data.
Damien Fahey
There should be at least a 90% reduction in clapping for things children do.
May 01, 2012 @ 2:57pm
Accidentally paused a movie with my stomach fat. God is getting catty with his signs.
No one has had more front row seats to masturbation than cats.
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TrendingGreece | Eternal Truth | Bonds | Alberta | Debt | Housing Market | Oil | Apple | Bank of Canada | China
Canada's life insurance stocks remain under appreciated by investors despite significant efforts to improve efficiency and productivity across the industry, says Charles Marleau, president and senior portfolio manager at Palos Investment Funds in Montreal.
Facebook Inc. has already paid off handsomely for investors since making its market debut in 2012, but the social media giant has no shortage of catalysts to help drive its share price even higher in the next 12 months, says Neil Doshi, analyst at Mizuho Securities USA.
Shanghai's primary equity index plummeted into official bear market territory on Monday, but better days are ahead for emerging market stocks, says Ian Scott, global equity strategist at Barclays Capital Markets.
AGF Management Ltd's latest earnings results showed more improvement in the level of net redemptions at the beleaguered mutual fund giant, but still not enough to breed much investor confidence in the stock's prospects moving forward.
It's been a challenging few years for investors looking for long-term solutions in the face of short-term market changes.
Gran Tierra Energy was upgraded to buy from hold at Canaccord Genuity as a result of its renewed capital commitment to Colombia
Manulife Financial Corp. is expected to deliver higher return on equity and better earnings growth in the months ahead in large part because of its impressive footprint in Asia, says Darko Mihelic, analyst at RBC Capital Markets.
"Selling silver streams to add copper production could make sense and would reduce debt or equity issuance, in our opinion"
'Having worked through the 99-01 bubble, we are strongly of the belief that today's public markets bear very little resemblance'
"There is no question in our mind this market is going higher, we are simply waiting for more definitive evidence before becoming more aggressive near-term buyers."
TD Securities analyst Greg Barnes thinks Goldcorp Inc. has the qualities investors should be looking for in a gold stock
The uncertainty surrounding Alberta's policy on oil and gas royalties has already caused several companies to shift capital into other provinces, and this should come as no surprise
Oil is expected to swoon again in the weeks ahead but should eventually settle higher than current levels near US$63 a barrel sometime next year, says TD Economics in its latest update on crude prices.
"A sharp pickup in wages would likely cause the Fed to act more quickly, derailing the expansion."
The US$93 price is several dollars above listed spot prices, and is proof that buyers are willing to pay a premium for guaranteed supply of high-quality product
It's been a challenging few years for investors looking for long-term solutions in the face of short-term market changes.
With the pace of change that is happening today, investors are faced with more choices and information than ever before.
Investors need to consider their fixed-income exposures more closely as they wait for signs of a stronger global economic recovery.
Canadian investors have always shown a strong interest in American equities when devising a portfolio strategy.
Investors should consider #fixedincome exposures closely as they wait for signs of a strong global economic recovery bit.ly/1Kq3i7r
Flexible investment strategies can help ride out the economic recovery | bit.ly/1f0WZLE
Russ K: three suggestions and one iron-clad rule for new grads | bit.ly/1ASqqt0
Russ K shares his top advice for new #graduates entering the workforce | bit.ly/1SYjKiS pic.twitter.com/Z70p7IdMYK
Content from Twitter


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Photo Friday: Where In Spain Is This?
Do you know where this is in Spain?
Do you know where this is in Spain?
Where in Spain was this photo taken?
Hint: this is a little-known beach in the Basque Country
A bunch of friends and I rented a car to get out of the city one hot August day. We headed up the Costa Brava north of…
Photo Fridays on The Spain Scoop mystery photo.
Hey there readers. Where could this photo have been taken????? It is one of Spain's most 'spiritual' northern destinations. I was there a few years ago at the end of a long trail.
This week we'll give you a big old hint. This was taken in Barcelona. But where? How well do you know the Catalan Capital?
But where? How well do you know one of the wettest parts of the Iberian Peninsula? Just name the region!
We're back once more with the last island challenge of the month. This is probably my preferred Mediterranean Spanish island.
***Hint: There's no airport to get to this tiny island, which is known for its laid-back vibe.


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George Serafeim; Robert G. Eccles; Tiffany A. Clay
Price: $6.93
GoodGuide, a high-technology start-up company, founded by University of California Professor at Berkley Dara O'Rourke is at a critical junction. The venture capital funded company has yet to find the business model to monetize a very promising product that provides consumers and manufacturers with information about the sustainability of a product.
Learning objective:
This case is used to illustrate the tensions and trade-offs in achieving both economic goals and the social mission of the corporation.
Subjects Covered:
Consumers; Entrepreneurship; Social responsibility; Sustainability; Technology; Venture capital
- Geographic:United States
- Company Employee Count:100
- Company Revenue:$1 million
- Event Year Begin:2011
- Revision Date:
- May 2, 2012
- Publication Date:
- Sep 7, 2011
- Discipline:
- Accounting
- Source:
- Harvard Business School
- Product #:
- 15p, English PDF
- Also Available in:


text:
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text:
O.T. Saddam captured.
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Brooklyn Ranger
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Join Date: Feb 2002
Location: Brooklyn, of course
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Originally Posted by
Your missing my point. I NEVER said Al Qaeda isn't a threat. They are absolutely a threat. I also never said we were safe because Saddam is in custody. It is certainly a plus that we have him for two reasons.
1. Intelligence we can gather from him.
2. Morale - I think this helps our soldiers morale and I think it relieves alot of the Iraqui's fear.
Learning from the past is important. I'm a history major so I have an idea
. I do think that it is an error to dwell so much on the past that you miss the present. Looking at our involvement in Iraq and just saying "Bush is dumb because his father didnt finish it in 1990" or "well we gave them chemical weapons years go" is very counterproductive. It's important to learn from past mistakesbut those are not adequate answers to our current questions.
Dwelling on the past? Yeah, whatever. However, that's how we got to this point. And while some people have argued that the war on terror led us to this point, I would argue that we would have never invaded Iraq if Bin Laden hadn't attacked America. But, how we got to Iraq really isn't all that important--what's important is staying until the job is done and doing it right. If anyone thinks that catching Saddam will change the number of years we are going to there, policing and rebuilding the country, they are mistaken. If they think it will get any cheaper, they are mistaken. That's the present.
And if we don't know about our mistakes or have forgotten them, then what's to prevent us from making the same ones over and over?
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