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The opposing pitchers whipped up turbulence to match a gusting wind, nearing gale force, as OFA hosted Malone in an early season match of NAC Central Softball contenders on Thursday.
For the second time in two games on the Lady Devils diamond a no-hitter materialized as Malone sophomore Alyssa McCauley allowed just three walks winning a stunning 1-0 duel over Brittany Barr who spun a near-perfect no-hitter in OFAs season opener.
The mound gem came on a day when OFA teams went 0-4 with a 7-3 loss in Boys Lacrosse at St. Lawrence Central, a 21-4 setback in Girls Lacrosse at Indian River and an 8-7 season-opening baseball loss at Malone.
Alyssa McCauley retired the first 10 batters, struck out 12 and never allowed a runner past firstbase pitching the Huskies to a 2-0 mark.
Brittany Barr fanned seven and retired 11 straight Huskies in a three-hitter after Whitney Legacy led off the fourth inning with a double and Anne Sharlow followed with an RBI single.
Barrs closing string was sustained by marvelous diving shoe-string catch by centerfielder Jocelyn Fifield.
We did a great job in the field and Brittany Barr pitched a great game. The Malone pitcher, Alyssa McCauley, just pitched a little better, said OFA Coach Meg Bartell who anticipates to another outstanding pitching matchup when the Devils (1-1) visit Canton on Monday in a matchup of last years Section 10 Class B Championship game.
We just couldnt get anything going offensively today. Right now it is extremely tough to execute the little things you need to do in a game like today. This was only our second game and we didnt have any scrimmages.
Meg Fountain singled in the first inning and Brooke Collins singled in the seventh inning for the other Huskie hits of the game.
BRASHER FALLS - St. Lawrence Central capitalized on untimely turnovers to score four times in the final four minutes of the first half as the key to a defensive-minded 7-3 win over OFA.
The trio of Marshall Berninghausen (3 goals), Ian Lynch (2 goals, 1 assist) and Blake Baldwin (1 goals, 3 assists) led the 3-1 Larries.
We did a tremendous job limiting their transition opportunities and played a very strong second quarter. But late in the first half we had two drops on important possessions and they capitalized to pull away from a 4-2 lead, said OFA Coach Matt Morley who will have his team at home on Saturday for a 1 p.m. start against Potsdam which lost to Massena 13-9 on Thursday.
Our midfielders and defenders did a tremendous job of getting back and setting up defensively and Spencer Lawrence turned in a super game in goal with 16 saves. This was a very good effort for us but we just couldnt get anything going on offense in the second half. Andrew Roddy continued his strong finishing for the Devils scoring two goals with one assist. Jake Garrison tallied a single goal and Nick Perrigo passed out an assist.
Andrew Roddy plays our x attackman position and does a nice job getting free around the net. Nate Peo had a great game in the midfield and got off four or five nice shots in the second period, said Morley.
MALONE - Coach Tom Pinkertons first game at the OFA helm turned into a game steeped with frustration and optimism.
The Blue Devils reached last years NAC Central MVP Brandon Welch for 10 hits and committed only one error but found themselves trailing 8-0 after three innings. Alex Johnson singled twice and Zach Perry singled as the Huskies capitalized on control problems by Devil starter Breton LaRose.
The Devils scored four times in the sixth inning but were checked by reliever Austin LaMay who closed the sixth and pitched a scoreless seventh to secure the 8-7 victory.
Alex Farrell relieved OFA starter Breton LaRose in the third inning and teamed with Seth Pinkerton, who came on the seventh, for three scoreless innings of relief.
There were a lot of positives in the game we can build on. We hit the ball well, played pretty well in the field and we battled back, said OFA Coach Tom Pinkerton.
Breton LaRose really struggled with his control but we all know that he is much, much better than that. Alex Farrell and Seth Pinkerton pitched well in relief and Pat Cosmo made a spectacular catch at shortstop with the bases loaded to get us out of the third inning.
Kinnon LaRose (2 RBIs) tripled for OFA and Konnor Murdock, Brendan Arsenault (2 RBIs) and Seth Pinkerton all stroked two singles for the Devils. Breton LaRose, DaKota Brady and Andrew Cole all added singles.
OFA JV Sweep: The OFA Junior Varsity Baseball team swept Malone 8-5 (6 inn), 6-5 (4 inn NL). Sebastian Quintilliani struck out 10 in the first game allowing four hits. Josh Carroll (3 runs, 2 RBIs) went 2-2 with a double; Nick Sweeney stroked an RBI single and Connor Baldam doubled and scored.
In game two, Connor Badlam (4 Ks) and Josh Carroll (3 Ks) each pitched two innings in the win. Joey Dalton ripped a RBI double while Skyler Main singled and scored. Andrew Layng and Badlam each stroked RBI singles.
PHILADELPHIA - Possession is 9/10ths of the law and OFA Coach Lauren Morley feels that the lack of possession is 9/10ths of the reason why her girls lacrosse team has started 1-4 which includes two nonleague losses to Indian River.
The Devils dropped a 20-4 decision to the Warriors of the Frontier League on Thursday and will be looking for turn-around in hosting Canton on Saturday at 11 a.m.
We are just struggling with transition because we just arent controlling the ball in the midfield and on the ground after draws, said Morley.
But we have the players who can do that. We just have get our confidence back with a good game against Canton.
Paige Fayette scored seven goals with two assists and Amy Brierton followed with four goals and two assists to lead IR and Morgan Nabywaniec struck for three goals.
Nikki Holmes scored a pair goals for OFA with Mackenzie Bresett and Kaitlin Sheppard each scoring singles.
Erica Chase (8) and Melissa Foster (6) combined for 14 saves in goal.
In NAC action on Saturday Potsdam handed Massena its first loss in three seasons in a 10-5 decision.
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Updates to model-data comparisons
(Note, that I'm not quite sure how this comparison should be baselined. The models are simply the difference from the control, while the observations are 'as is' from NOAA). I have linearly extended the ensemble mean model values for the post 2003 period (using a regression from 1993-2002) to get a rough sense of where those runs could have gone.
And finally, let's revisit the oldest GCM projection of all, Hansen et al (1988). The Scenario B in that paper is running a little high compared with the actual forcings growth (by about 10%), and the old GISS model had a climate sensitivity that was a little higher (4.2ºC for a doubling of CO2) than the current best estimate (~3ºC).
The trends are probably most useful to think about, and for the period 1984 to 2009 (the 1984 date chosen because that is when these projections started), scenario B has a trend of 0.26+/-0.05 ºC/dec (95% uncertainties, no correction for auto-correlation). For the GISTEMP and HadCRUT3 data (assuming that the 2009 estimate is ok), the trends are 0.19+/-0.05 ºC/dec (note that the GISTEMP met-station index has 0.21+/-0.06 ºC/dec). Corrections for auto-correlation would make the uncertainties larger, but as it stands, the difference between the trends is just about significant.
Thus, it seems that the Hansen et al 'B' projection is likely running a little warm compared to the real world, but assuming (a little recklessly) that the 26 yr trend scales linearly with the sensitivity and the forcing, we could use this mismatch to estimate a sensitivity for the real world. That would give us 4.2/(0.26*0.9) * 0.19=~ 3.4 ºC. Of course, the error bars are quite large (I estimate about +/-1ºC due to uncertainty in the true underlying trends and the true forcings), but it's interesting to note that the best estimate sensitivity deduced from this projection, is very close to what we think in any case. For reference, the trends in the AR4 models for the same period have a range 0.21+/-0.16 ºC/dec (95%). Note too, that the Hansen et al projection had very clear skill compared to a null hypothesis of no further warming.
The sharp-eyed among you might notice a couple of differences between the variance in the AR4 models in the first graph, and the Hansen et al model in the last. This is a real feature. The model used in the mid-1980s had a very simple representation of the ocean – it simply allowed the temperatures in the mixed layer to change based on the changing the fluxes at the surface. It did not contain any dynamic ocean variability – no El Niño events, no Atlantic multidecadal variability etc. and thus the variance from year to year was less than one would expect. Models today have dynamic ocean components and more ocean variability of various sorts, and I think that is clearly closer to reality than the 1980s vintage models, but the large variation in simulated variability still implies that there is some way to go.
So to conclude, despite the fact these are relatively crude metrics against which to judge the models, and there is a substantial degree of unforced variability, the matches to observations are still pretty good, and we are getting to the point where a better winnowing of models dependent on their skill may soon be possible. But more on that in the New Year.
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Maya Angelou
She does more in a year than lots of people do in a lifetime! What makes Maya Angelou, the amazing author, actor, and activist, tick? Find out in this BrainPOP movie, as Tim and Moby introduce you to the life and work of Maya Angelou. You'll learn about her troubled childhood, and find out how the racism she experienced when young affected her work. You'll also discover her most famous book, and learn why children all over America read it in their classrooms. Plus, you'll see how the struggles she overcame led to her incredible success, and find out about just a few of the awards and recognitions she's received. We can't tell you exactly why the caged bird sings, but we might be able to give you a few ideas!
Learn More:What are some of Maya Angelou's books?I have to read I Know Why the Caged Bird Sings in school. Can you tell me what it is about?What's the Pulitzer Prize?
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Having caught 2,226 games, Carlton Fisk was a record-leading MLB catcher for more than 15 years. He hit more than 375 homeruns throughout his career; including the dramatic game-winning homer in the 12th inning of Game Six in the 1975 World Series against the Cincinnati Reds. "Pudge" holds three Silver Slugger Awards, is an 11 time All-Star player, and was inducted into the Hall of Fame more than 12 years ago. Show your love for this dynamic MLB great and the White Sox with this Authentic mesh Batting Practice jersey from Mitchell & Ness. This high-quality jersey is recreated in exact detail, so you can get an authentic retro style that demands attention!
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HEATH SPRINGS – A project to permanently honor past military servicemen and woman is coming along well, organizers say.
David Williams of the Heath Springs Veterans Association gave Heath Springs Town Council an update Tuesday on plans for a veterans monument at the corner where the old water tower stood, facing North Main Street.
The veterans association formed a special committee about 18 months ago to began planning for the granite monument, which will feature names of late Lancaster County residents who served in any branch of the military.
Travis Jenkins
Landmark News Service
FORT LAWN – When the decision was made last week to close the Fort Lawn Senior Center, the town's mayor and Chester County leaders immediately sprang into action to seek alternatives to keep the center in operation.
On Tuesday, York County Council on Aging Director Wendy Duda informed Chester County Council members that due to budget shortfalls and attendance numbers, the Fort Lawn Senior Center will close.
KERSHAW – The town of Kershaw is in the market for a new heath care provider.
Town Administrator Tony Starnes told council members Thursday that the town's current provider, S.C. Local Government Assurance Group (LGAG), is dissolving in June.
LGAG is run by the Municipal Association of South Carolina.
Kershaw has participated in LGAG for several years. But that group's dwindling membership has lead to its end, Starnes said.
County Council will consider second reading on two Indian Land-related ordinances when its meets Tuesday night.
After an overwhelming majority of residents voted last week to approve a proposed fire protection district in Indian Land, council will move forward with the process and hear second reading of the ordinance on Tuesday.
It began with a wall covered in sticky notes and scraps of paper, but ended with a rough draft for the county's first-ever strategic plan.
Armed with lists of ideas on how to improve the quality of life for county residents, several members of County Council, as well as other county staff members, met in Columbia from Jan. 14 through Jan. 16 to hammer out ideas at a strategic planning session. Held at the University of South Carolina's Institute for Governmental Services, the session allowed council to identify and prioritize the needs of the county.
John Howard jokes that he'll probably never have to exercise the duties of his newly elected position.
Howard, who has served on Lancaster City Council since 1982, was elected mayor pro tempore at Tuesday's meeting. He will assume mayoral duties in Mayor Joe Shaw's absence.
But that's the catch – Shaw is hardly absent.
Shaw said he's missed just two council meetings in the nearly 30 years he's been mayor, and Howard is quite aware of that.
Lancaster County school board members heard an update Tuesday night about the implementation of the district's new drugs and weapons search initiative at county schools.
Bryan Vaughn, director of safety and transportation, said in December school officials conducted 13 drug searches under the new policy. One search was conducted at each of the county's five middle schools and each of the four high schools were searched twice.
INDIAN LAND – Voters in Indian Land overwhelmingly approved a proposed fire protection tax district in a non-binding advisory referendum Tuesday. The vote was 1,187 in favor and 86 opposed.
The proposed district would raise money for the Indian Land Volunteer Fire Department through a $75 annual fee assessed on homes. Businesses and other users would be assessed at $75 per 2,500 square feet.
The vote is intended to help Lancaster County Council members gauge the community's support for the proposed district.
For the first time in a long while, Lancaster City Council did not have lengthy debate about the awarding of grants from the city's hospitality tax fund.
Council voted unanimously Tuesday night to approve funding for the second quarter of 2010-11 to the Lancaster Children's Council and the Lancaster Bruins Booster Club.
The Children's Council applied for and was awarded $20,000 for its Prevention of Youth Substance Abuse project.
The booster club applied for and was awarded $5,000 to make repairs to the Roddey Drive baseball facilities.
Despite one structural concern, the city of Lancaster received a favorable audit of its 2009-10 budget.
Blair, Bohle & Whitsitt of Charlotte conducted the audit, which was presented to Lancaster City Council on Tuesday night.
Accountant Steve Johnston said his firm issued a "clean opinion" of the city's governmental and business activities, which means things are in good standing. The audit also reviewed each major city fund, its balance and its accounting practices.
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Braidwood Station Unit 1 returned to service at 5:43 a.m., when operators connected the plant's turbine generator to the regional power grid.
BRACEVILLE, ILL - Braidwood Station Unit 1 returned to service this morning at 5:43 a.m., when operators connected the plant's turbine generator to the regional power grid.
The unit automatically shut down Monday, Sept. 20, due to a faulty electrical circuit card on a plant system. Plant personnel replaced the circuit card.
Braidwood Generating Station is approximately 60 miles southwest of Chicago. The station's two nuclear energy units can produce a total of more than 2,300 megawatts net at full power - enough electricity to power more than 2 million homes.
Exelon Corporation is one of the nation's largest electric utilities with more than $17 billion in annual revenues. The company has one of the industry's largest portfolios of electricity generation capacity, with a nationwide reach and strong positions in the Midwest and Mid-Atlantic. Exelon distributes electricity to approximately 5.4 million customers in northern Illinois and southeastern Pennsylvania and natural gas to approximately 486,000 customers in the Philadelphia area. Exelon is headquartered in Chicago and trades on the NYSE under the ticker EXC.


text: The following ten restaurants have wheelchair-accessible entrances and have been tested repeatedly by Ann Keefer and Josh Lukin (who have served on the Committee on Disability Issues in the Profession) for the quality of their food. Although none are very "acoustically live" in their experience, it is difficult to judge what the level of ambient noise will be during the MLA convention, when restaurants tend to be very crowded. Directions are given from the Philadelphia Marriott.


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Cars Sit Unsold In Avonmouth Docks As Car Sales Stutter
A view of some of the thousands of unsold cars currently being stored... News PhotoAbundance,Avonmouth,Car,England,Finance,Honda,Horizontal,UKPhotographer Matt CardyCollection: Getty Images News 2009 Getty ImagesAVONMOUTH, UNITED KINGDOM - JANUARY 16: A view of some of the thousands of unsold cars currently being stored at Avonmouth Docks on January 16, 2009 at Avonmouth, England. Sales of new cars in the UK have slumped to a 12-year-low and production of cars at Honda in Swindon has been halted for a unprecedented four-month period because of the collapse in global sales and represents the longest continuous halt in production at any UK car plant. The announcenent comes on a day when the EU's Industry Commissioner Guenter Verheugen warned the outlook for the European car industry was 'brutal' and predicted not all European manufacturers would survive the crisis. (Photo by Matt Cardy/Getty Images)


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Every act of love we create in our community illustrates the power of this little verb. The SoulCollage® process assists us in finding those gifts and acts of compassion within ourselves that we may weave into our personal relationships, as well as the various communities that support us.No previous experience or class attendance necessary.
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ChooseMyPlate.gov from the USDA illustrates the five food groups that are the building blocks for a healthy diet and provides tools for diet/calorie tracking and information on weight management, physical activity, and healthy eating. Some materials available in Spanish.
U.S. Department of Agriculture (USDA)
This tip sheet gives ten tips for reducing your child's sugar intake by eating healthy foods instead of sweets.
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This meal planning curriculum is for people living with diabetes and their support persons. The curriculum incorporates participatory nutrition education, food preparation activities, and tasting of foods. En español
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On this page you will find information about past, present and future events, contests and sales in the Campus Bookstore.You can also subscribe to our newsletter to receive this information right to your email.
Student Appreciation Day October 15, 2014
PastSeptember 11, 2014 - The 'Share a Coke' Team visited UFV to hand out personalized Coke products to students.
Tuesday breakfast Special ~ Salt Spring Island Coffee and your choice of : Egg and Bacon Breakfast Taquito for $3.00 or Jimmy Dean breakfast Sandwich for $4.00 ~ Starting at 9:00am While quantities last
Wednesday Hot Dog Special ~ regular Hot Dog and a pop for Under $4 or Johnsonville Hot Dog or Cheddar Smokie and a pop for Under $5 ~ Available 11:00am- 3:00pm While quantities last
Thursday Taquio Special ~ Two taquitos and a pop for $4 ~ Available 11:00am - 3:00pm While quantities last
Writer in Residence, Daniela Elza, is coming to the UFV Bookstore March 13th during the Canadian Writers Series. Features: Renée Sarojini Saklikar, Rob Taylor, Rajnish Dhawan
December 2nd-6th - The UFV Bookstore will be once again hosting our annual Christmas Sale with blowout prices on clearance clothing and supplies as well bringing in extra books for everyday use. Sidewalk Sale 13'
UFV Bookstore and the Press Cafe took part in International Education Week. The Press Cafe gave samples of our Fair Trade, Oxfam and Organic products available in Store.
Fall Fashion Show 2013~ October 23rd
Nestle Draw ~ Buy a Nestle product and get entered to win a UFV Hoodie
10% off coupon for one day only given at our table at the Chilliwack and Abbotsford New Student Orientation
Welcome Back Sale 25% off ~ September 3rd - September 13th
Book Signing Wednesday February 27th at 3:30pm: Sheldon Kennedy is a former professional hockey player and advocate for Children's rights. Fifteen years ago he was the first hockey player to accuse coach Graham James of childhood sexual abuse, leading to a conviction and further charges... Sheldon Kennedy
Spooktacular Sale ~ October 29- October 30, 2012
St. Patrick's Week Events ~ March 12- March 16, 2012Holiday Sidewalk Sale ~ November 28- December 2, 2011Student Appreciation Day November 8, 2011Hot Demo Deal Day ~ September 27, 2011
ONLINE STORE!Purchase Gift Cards, Clothing and UFV logo items from the comfort of your couch...Changes to the hours of operation for all UFV bookstore locationsVisit the "Hours and Locations" tab under the "Customer Service" tab for more informationJoin Us on Facebook & Twitter!Ongoing promotions will be offered on both sites.


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Jamar Hand Dynamometer
The standard in grip force measurement for nearly 40 years. Ideal for routine screening of grip strength and initial and ongoing evaluation of clients with hand trauma and dysfunction. Unit comes with carrying/ storage case and complete instructions. Warranted for one full year. The warranty does not cover calibration. CE Marked. Latex free.
The Jamar Hydraulic Hand Dynamometer combines precision with convenient features: Dual-scale readout displays isometric grip force from 0-200 lbs. (90 kg.) Peak-hold needle automatically retains the highest reading until reset. Handle easily adjusts to five grip positions, from 13/8"- 33/8", in half-inch increments.


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The top seed in the See-Way Slo-Pitch Softball playoffs, The Pub, fought off several gallant comebacks by Ogdensburg Bowl I in the two-game championship set to sweep 2013 league awards.
The Pub won 7-6 over Ogdensburg Bowl I in the final game after Ogd. Bowl I staged a 21-20 win in the first game of the finals.
The Pub 7, Ogdensburg Bowl 6: A three run fifth gave The Pub a 7-4 lead but a key double play ended the rally and inspired Ogdensburg Bowls comeback. Scott McCormick, Don McCathy and John Denio each lined two singles in the win while Chuck Langley, McCarthy, McCormick, Denio each singled in the fifth. Chris Frary lined a triple and a single for Ogd. Bowl. Brent Chevier added three singles while John Missert, Lalonde, and David Blackburn each singled twice.
Ogdensburg Bowl 21, The Pub 20: A five run top of the seventh inning keyed by an RBI single from Chris Lalonde to score Jimmy Samarco and Brent Chevier lifted Ogdensburg Bowl I which fell behind 18-8 after four innings of play. Chris Frary had a triple and three singles, Chevier lined five singles, Matt Rafferty and Adam Bleau each ripped four singles and Mike Raven, Lalonde, and David Blackburn each stroked three singles to lead the win. Ogdensburg Bowl also produced a double-play in the seventh inning to force the second game.
For The Pub, Mike Bouchard belted a homerun and two triples and Scott McCormick, John Denio, Scott Reed and Ryan Polniak each ripped three singles.
Ogdensburg Bowl I 19, DaVincis 18: Mike Raven crushed a homerun and two singles, Chris Frary belted a homerun, and John Missert, Chris Lalonde, and Tyler Sansoucy each ripped three singles for the winners.
Justin Martel had two triples and three singles for DaVincis which scored seven runs in the seventh falling just short of a finals berth. Shawn Knapp ripped five singles and Zach Sharpe added four singles while John Bushey kept DaVincis alive beating out an infield single with two outs.
DaVincis 14, Hosmers 13: Dean Washburn had a walk off RBI single in the ninth inning to go along with a double and a single in the win for DaVincis which was helped by a triple play. Shawn Knapp had five singles and a double while Chris White chipped in four singles.
Darren King had a double and two singles for Hosmers.
The Pub 15, Ogd. Bowl I 9: John Denio smacked a triple and two singles, Scott McCormick lined a double and two singles and Mike Bouchard supplied a two run single lifting The Pub. Jim Samarco connected for three singles and Chris Frary lined a triple and a single to lead Ogd. Bowl.
DaVincis 24, Busters 13: Chris White supplied two doubles and two singles, Nate Angel had a double and two singles, Justin Martel connected for a triple and two singles and Paul Bartman supplied an RBI single for the win. Anthony Pirie had a triple and two singles and Andy Bell stroked a double and two singles for Busters.
Hosmers 17, Ogdensburg Bowl II 8: Billy Payne smacked a triple and a double, Josh Barkley lined a triple and a single and Justin King, Dave Merz and Matt Bell all singled twice for Hosmers. Dave Putman had a double and a single for Ogdensburg Bowl II. Josh Crawford added two singles.
Ogdensburg Bowl I 18, Ogdensburg Bowl II 17: David Blackburn had a walkoff single scoring two runs in the seventh inning for the gamewinning run for Ogdensburg Bowl I. Matt Rafferty belted a homerun and three singles, Chris Frary added a double and two singles, Brent Chevier and Adam Bleau chipped in three singles leading the winners. Josh Crawford smacked a homerun, a triple and a single while Mike Perry stroked a homerun, a double and a single for Ogdensburg Bowl II. Dave Putman added a double and three singles. Aaron Pierce supplied a big double and a single and earned the Nathans Hot Dog trophy.
The Pub 7, DaVincis 4: Mike Bouchard smacked a triple and a single and John Denio, Ken Stull and Scott Reed each connected for a double and a single for The Pub. Shawn Knapp, Norm Martel and Dean Washburn each singled twice for DaVincis.
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La solicitud de membresia sólo se ofrece en inglés.
Sin embargo, PenFed tiene representantes de servicio bilingües disponibles para
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Tenemos la intención de desarrollar una versión de la solicitud de membresía en español en los meses que vienen.
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Get on the road to financial success before you reach age 30.
By Stacy Rapacon September 13, 2010
I recently celebrated my 29th birthday. Well, "celebrated" might be an overstatement considering that being this close to hitting 30 gives me a bit of a fright. Don't get me wrong -- I don't think of myself as old (claims that 40 or 50 is the new 30 remind me that this is an attractive age to be). But my next birthday is undoubtedly a milestone that will commemorate a more official entrance into adulthood -- complete with all the daunting responsibilities.
So, before I hit my three-decade mark, I want to review four important steps we should all take in our twenties to grow up and reach financial glory. And if you can suggest any other tips (or you just want to wish me a happy birthday), please do so in the comment box below.
1. Find your career path. Obviously, having a source of income tops this checklist. But by the time you hit 30, you need more than just a job that pays the bills; you ought to have a career, or at least be on track to get one.
If you're still in school, remember that, as much fun as college may be, your primary reason for being there is to prepare yourself for gainful employment. Make sure you learn some marketable skills before graduation day (excellence at "flip cup" does not count) and hone those skills throughout your twenties. This doesn't mean everyone has to study accounting, business administration or computer science, which are among the majors most likely to land you a job right out of college, according to the National Association of Colleges and Employers. For example, I earned a B.A. in English -- often (and I'd say unfairly) dubbed a "useless degree." But I complemented the comprehensive reading and writing skills I learned from my major with additional coursework in math, statistics and economics. Put that all together and ta-da: I'm now happily starting my career as a personal-finance writer.
If you're already working, are you in a field you can picture yourself continuing in for the next three, five, ten and 20 years? If not, you need to start looking for a career that works for you. (Just don't jump plane the Steven Slater way – see Quit Your Job the Smart Way.) Here are a baker's dozen worth of choices: 13 Careers for the Next Decade.
Once you get started in your choice career, figure out the track you want to follow. What's the next step up from your current position? How long has it typically taken others to get there? What salary and benefits come with that role? Of course, as this recent recession taught many of us, no matter how well you plot your career path, you may be forced to take some detours. Still, knowing your desired destination will certainly help you navigate through those difficult times.
2. Build an emergency fund. As a responsible adult, you should abide by the same motto as any good Girl or Boy Scout: Be prepared. In case the unexpected happens, you should always have enough cash on reserve to cover at least three to six months' worth of expenses. Keep it in a regular savings account, where you'll have easy access to your funds. You can search BankRate.com for the accounts currently offering the best rates. For example, American Express Bank's high-yield savings account currently yields 1.3% per year and has no minimum balance or monthly fees. See How Much Cash You Really Need for more about emergency funds.
3. Create a plan to repay your debt. I won't pressure you to pay off everything you owe before you turn 30. After all, according to Sallie Mae, college graduates left school in 2008 with an average credit-card debt of $4,100, up from about $2,900 in 2004. And 10% of that same graduating class also carried $40,000 or more in student debt, according to the Project on Student Debt, an advocacy group.
But if you're buried under student loans or crippled by credit-card debt, you need to at least figure out how to tackle it before you turn 30. "With cleaning up debt issues, the most important thing is to have a plan and not just assume it'll go away," says Carlo Panaccione, a certified financial planner based in Redwood Shores, Cal. Often, Panaccione encounters people who count on a big future bonus or bump in salary to pay off large debts. "Well, that may never happen," he says. A better strategy: Set up a schedule and figure out how much you'll need to pay each month to clear the debt by your target date. For more information on paying off school loans, see Digging Out of Student Debt.
4. Start funding a retirement account. Most people don't start planning for such long-term goals until they've reached their forties, says Panaccione, "and then they panic-save later on." Gentle readers, be the tortoise: Choose the chill path to savings and take advantage of this 20-year head start. Even if you can afford to put away only a small amount each month, slow and steady can win big.
For example, if you start saving just $150 a month at age 25, assuming an 8% return, you'll wind up with $527,142 by the time you turn 65. Waiting an extra five years to start saving will cost you $180,766. Even if you crank your savings up to $200 a month starting on your 30th birthday, you'll only net $346,376 by 65. And if you wait until you're 40 to start saving $200 a month, you'll have just $191,473 when you're 65. Crunch your own numbers with our 401(k) calculator.
Ideally, you'll want to save much more for retirement -- about 10% to 15% of your income would be best. But exactly how much you'll need depends on what kind of lifestyle you're planning for your golden years. For help figuring out a dollar amount, try our Retirement Savings Calculator.
The best place to build your retirement account would be in a 401(k) or a Roth IRA. Both vehicles offer appealing tax advantages, but the employer-sponsored 401(k) may also score you free money if your boss makes a contribution, too. To find out more about these types of accounts, see Why You Need a 401(k) Right Away and Why You Need a Roth IRA.
Delta Project, which studies postsecondary education costs and spending. Schools would muddle through by slashing budgets and raising tuition. "Now we've got a triple whammy," she says: Revenues and spending at unsustainable levels and a president who wants to increase the number of postsecondary degrees attained each year. To meet Obama's goal for the population aged 24 to 35 alone would require 15 million degrees above what's likely at the current pace.
Learn how funds work and how to set up a well balanced portfolio that's right for you.August 2007
In this tutorial you'll learn how funds work and how to select the right funds for your goals. We've also included tips on record keeping and tackling your taxes. Finally, you can look over examples of well balanced portfolios of good performing funds in Kiplinger's portfolio picks.
Why Mutual Funds?Funds offer plenty of benefits for busy investors. Here's a quick review of how they can work for you.
Sales Loads and Other ChargesLearn about the expenses funds charge and which ones you can avoid.
Focus on CategoriesA fund's performance depends on what it buys. Each category carries its own level of risk ... and reward.
Build a Solid PortfolioA balanced collection of funds will serve you better than a collection of the latest high fliers.
Plus: Kiplinger's Portfolios
Start Your SearchFrom first choice to final check, here's how to find the best funds for you.
Tips for the New Fund OwnerWhat paperwork to keep, how to track your investments and when to say "sell."
Hang onto Your ProfitsKeeping careful records, and understanding cost-basis rules will prevent you from overpaying your taxes.
Adapted from Kiplinger's Practical Guide to Your Money, by the Editors of Kiplinger's Personal Finance magazine (Kaplan Publishing. Copyright 2005 The Kiplinger Washington Editors, Inc.) Available wherever books are sold or direct at kiplinger.com/store/books.
EDITOR'S NOTE: This article was originally published in the July 2010 issue of Kiplinger's Retirement Report.
OUR READERWho: Bill Segur, 60Where: Wilmington, N.C.Question: I've finally paid off my mortgage. What should I do with the extra cash?
Now that they've paid off their home loan early, Bill is wondering how he and his wife, Susan, should use the extra $600 a month. Bill is a registered nurse at a hospital and hopes to retire in a few years. He wants to maximize what he and Susan (also an RN) are socking away while they're still working. So their focus is on adding to their savings kitty.
Bill and Susan, 54, figure they have three options. They can increase their contributions to their 403(b) and 401(k) retirement plans, add more to their established traditional IRAs, or start up Roth IRAs. Bill appreciates the tax advantages of a Roth. Although there is no upfront tax break, all withdrawals, including investment earnings, are tax-free once you are 59 1/2 and the account has been open at least five years.
But Bill wonders whether it makes sense for him and Susan to open Roths at their age. "At this late date in our work experiences, do we start new Roth IRAs or add to our traditional accounts?" he asks. The couple have an adequate emergency savings fund and little debt, so they can comfortably bulk up their retirement assets.
Carlo Panaccione, a financial planner in Redwood City, Cal., says that Bill and Susan should pat themselves on the back for paying off their mortgage and committing to put the money toward savings rather than going on a spending spree. "People always say: "If I have money left at the end of the year, I'll save it,'" says Panaccione. "It never happens." Instead, he says, household budgets simply tend to expand whenever a family has money to spare.
Tax advantages. So, to answer Bill's question directly: It's not too late to start a Roth IRA. Because both Bill and Susan are older than 50 and their joint income is less than $167,000, each of them can contribute the maximum $6,000 (including $1,000 in catch-up contributions) to a Roth in 2010.
No matter how long you maintain the retirement account, the tax benefits of a Roth are simply too good to pass up. When you withdraw money from a 401(k) or a regular IRA, it's taxed at your ordinary income-tax rate. With a Roth, you can withdraw cash in retirement without paying Uncle Sam a penny.
And once Bill and Susan retire, they won't need to tap their Roth IRAs right away, given their modest living expenses, their income from workplace retirement plans and Social Security. Because Roths have no required-minimum-distribution rules, you can leave the investments in place as long as you like. "That money can just sit there and cook," says Larry Rosenthal, a financial planner in Manassas, Va. With income-tax rates likely to rise to offset growing budget deficits, the Roth stands out as an increasingly valuable tax shelter. In other words, it's a good way for the couple to diversify their future tax liability.
Roth accounts could also prove helpful to Bill and Susan's estate planning. They can leave the accounts to their two daughters, who would inherit them tax-free.
Annual Percentage Yield (APY) is accurate as of October 1, 2015 - October 31, 2015 and is subject to change at any time. Fees may reduce earnings.Rates are subject to change monthly and are fixed for the term of the certificate. Certificates dividends compound daily. The minimum balance to open a certificate is $1,000.
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Neuqua Valley High School hosted Metea Valley High School Thursday night for boys basketball.
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The College of Eastern Utah's Prehistoric Museum is hosting Congressman Jim Matheson on a tour and at a reception on May 15th, from 4 to 5 p.m. Museum Co-director Pam Miller said the reception is free and open to the public and that Matheson will speak, as well as answer questions.
Miller and Dr. Reese Barrick, the museum's other Co-director and paleontologist, invited Matheson to see two new exhibits: New dinosaur species and archeological and paleontological vandalism.
Prior to the reception, Matheson will receive a tour of the Price River Quarry where fossils representing three new species of dinosaurs were recently discovered
Miller said the reception will be held in the museum. For more information, call Randee at 637-5060.


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Chase Presents $45,000 to Epilepsy Foundation of Florida as winners of Chase Community Giving Spring 2011
Friday, July 22, 2011
CONTACT:Karen Basha Egozi
MIAMI –July 22, 2011 –The JPMorgan Chase Foundation today presented a $45,000 check tothe Epilepsy Foundation of Florida for being among the top vote-getters in round one of Chase's Community Giving Spring 2011 Program.
EFOF was one of 100 organizations nationwide, and the only one from South Florida, to advance to the final round by earning thousands of votes from Facebook friends and supporters.
EFOF is the only epilepsy-related organization in the country to make it to the finals. The organization's main office is in the Doral area, and it also has locations in Broward, Palm Beach and other facilities around the state.
The $45,000 was granted as part of EFOF's climb to the top 25 vote-getters.
"Finishing in the money is exciting and will help so much with our missions to serve thousands of friends, family and neighbors with epilepsy," said Karen Basha Egozi, EFOF chief executive officer. "We hope everyone in Florida appreciates JPMorgan Chase's program for investing in our communities."
In addition to prevention and education services, EFOF provides direct medical and neuropsychological care, advocacy and counseling, and other services to thousands of clients.
Seizure disorders afflict about 3 million people in the United States, and result in about 42,000 deaths each year.


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Jets QB Greg McElroy Wishes Sparano Best
kristianrdyer , TheJetsBlog.com
FLORHAM PARK, N.J. – There was no player availability for the Jets on Tuesday but the one player who did speak to the media could be the team's starting quarterback next year and he didn't sound bitter at the news of the firing of offensive coordinator Tony Sparano.
Second-year quarterback Greg McElroy only made two appearances and one start in 2012 for the Jets but what he did show was that despite a porous offensive line that he was a player with some potential. In his NFL debut, McElroy entered the Jets Week 13 game against the Cardinals with the offense sputtering and the Jets down 3-0. He led them to the game's only touchdown drive in a 7-6 win and eventually earned a start in Week 16.
Tuesday on SiriusXM's Mad Dog Radio channel with host Bruce Murray, McElroy responded to the firing of Sparano, becoming the first Jet to do so.
"I have a lot of respect for Tony Sparano. I think he's a tremendous man," McElroy said. "I think he's a tremendous football mind and I was really blessed to have had the opportunity to work with him for this past year."
McElroy finished the 2012 season completing 19 of 31 passes for 214 yards with a touchdown and an interception. He was sacked a franchise high 11 times in the Jets Week 16 loss to the Chargers.
"I respect and admire him. I really enjoyed working with him and I always will wish him the best," McElroy said. "I'll be a Tony Sparano fan for as long as I'm around."


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"Morning's at Seven" (2002): Stephen Tobolowsky received a Tony nomination for his performance in this Broadway revival of Paul Osborn's 1939 play. Julie Hagerty co-starred in the production.
"The Mindy Project" (2012): Stephen Tobolowsky plays Dr. Marc Shulman on the new sitcom, which premiered Tuesday.
"In Country" (1989): Norman Jewison's film about the emotional aftermath of the Vietnam War co-starred Stephen Tobolowsky (from left), Jim Beaver, Bruce Willis, Ken Jenkins and Emily Lloyd.
"Crimes of the Heart" (1979): Two years before this Beth Henley play would win a Pulitzer Prize for drama, Stephen Tobolowsky co-starred in a regional production with future "thirtysomething" actress Patricia Wettig.
Stephen Tobolowsky's humor comes from the truth. "I've learned the hard way that if you do it any other way, you screw it up," he says.
"Californication" (2012): Tobolowsky has a recurring role as movie producer Stu Baggs on the Showtime series "Californication." He's pictured here on location with co-star Pamela Adlon.
"Groundhog Day" (1993): As insurance salesman Ned Ryerson, Stephen Tobolowsky got to annoy Bill Murray day after day after day in this beloved comedy.
"The Mindy Project" (2012): Stephen Tobolowsky (second from left) co-stars with Chris Messina, Amanda Setton and Zoe Jarman in "The Mindy Project," a new sitcom that premiered Tuesday.
"Garfield: The Movie" (2004): When the famous comic-strip cat made the leap to the big screen, Tobolowsky was hired to play the villain — a dog-napping television host named Happy Chapman.
Impressed by Stephen Tobolowsky's storytelling acumen, Simon & Schuster signed the actor to a book deal. His first effort, "The Dangerous Animals Club," was released Tuesday. Tobolowsky calls the book "80 percent funny and 20 percent bloodcurdling."
"The Mindy Project" (2012): Stephen Tobolowsky plays Dr. Marc Shulman in the new comedy, which premiered Tuesday.


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The Effect of Delivery Mode on Inter - Couple Relationship, Sexual Function and Pelvic Floor Activity
Recruitment status was Recruiting
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Pregnancy and delivery have a major impact on couple's inter personal relationship. Different modes of delivery have different effect on pelvic floor function, and it is known that instrumental vaginal deliveries have the worse effect, though various common anatomical injuries have been described following vaginal delivery. Pelvic floor dysfunction has the potential to ameliorate sexual function, and the investigators hypothesis is that the impact of delivery on pelvic floor disorders following delivery will have a direct effect on sexual malfunction and interpersonal relationship. The purpose of this study is to evaluate the effect of delivery mode of primiparous women on inter couple relationship , their sexual function and the female pelvic floor activity. The couples will be followed from the second trimester of the pregnancy by validated specific questionnaires, assessing the couple's satisfaction of their marriage, intimacy in their relationship, their sexual behavior and pelvic floor function. After delivery, the parameters of the parturition will be recorded, and the couples will be interviewed 6 months following delivery. Apart from questionnaires, sample of the participated women will be assessed by ultrasound examination of the pelvic floor.
Other: Ultrasound assessment of pelvic floor
|Study Type:
|Study Design:
|Observational Model: Cohort
Time Perspective: Prospective
|Official Title:
|Observational Study on the Effect of Delivery Mode on Inter Personal Relationship, Sexual Function and Pelvic Floor Activity
|Estimated Enrollment:
|Study Start Date:
|October 2008
|Estimated Study Completion Date:
|October 2011
|Estimated Primary Completion Date:
|October 2010 (Final data collection date for primary outcome measure)
|Assigned Interventions
Nuliparous women and their husbands
Women in their first pregnancy with their husbands
Other: Ultrasound assessment of pelvic floor
Sample of women will undergo ultrasound examination of their pelvic floor before and after delivery. The assessment will be performed by transperineal probe.
Other Name: Ultrasound examination of pelvic floor
Detailed Description:
Pregnant women in their first pregnancy and their husbands will be recruited from 14th week of gestation. The couples will be followed by validated specific questionnaires, such as Couple Satisfaction Index (CSI), Isreali Sexual Behavior Inventory (ISBI), Pelvic Floor Distress Inventory (PFDI)and Pelvic Floor Impact Questionnaire (PFIQ) assessing the couple's satisfaction of their marriage, intimacy in their relationship, their sexual behavior and pelvic floor function. After delivery, the parameters of the parturition will be recorded, and the couples will be interviewed 6 months following delivery. Apart from questionnaires, sample of the participated women will be assessed by ultrasound examination of the pelvic floor, demonstrating the continuity of pelvic floor muscles and their function.
|Ages Eligible for Study:
|18 Years to 45 Years
|Genders Eligible for Study:
|Accepts Healthy Volunteers:
|Sampling Method:
|Non-Probability Sample
Women who attend primary care antenatal clinic
Inclusion Criteria:
- Pregnant women in their 1st pregnancy
- Married couples in their 1st marriage
Exclusion Criteria:
- Chronic GIT disease
- Endometriosis
- Chronic GUT disease
- Psychiatric disease
- Known sexual dysfunction
Please refer to this study by its ClinicalTrials.gov identifier: NCT00872040
|Contact: Sari Lavee, MSc
|Contact: Menachem Alcalay, MD
|Antenatal primary care clinic
|Kfar Saba, Israel
|Contact: Sari Lavee, MSc firstname.lastname@example.com
|Contact: Menachem Alcalay, MD email@example.com
|Sub-Investigator: Sari Lavee, MSc
|Study Chair:
|Oria Tishbi, PhD
|School of Social Work, Hebrew University, Jerusalem
No publications provided
|Responsible Party:
|Menachem Alcalay, Head - Urogynecology Service, Chaim Sheba Medical Center
|ClinicalTrials.gov Identifier:
|NCT00872040 History of Changes
|Other Study ID Numbers:
|Study First Received:
|March 30, 2009
|Last Updated:
|March 30, 2009
|Health Authority:
|Israel: Israeli Health Ministry Pharmaceutical Administration
Keywords provided by Sheba Medical Center:
Sexual function
Pelvic floor disorders
Delivery mode
ClinicalTrials.gov processed this record on October 13, 2015


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One Ball Matt Memorial Golf TournamentFriends and colleagues of Matt Christiansen, a former Callaway Golf employee who lost his battle with lung cancer in 2009, have raised more than $250,000 over the last three years through the annual One Ball Matt Memorial Golf Tournament in China. This year's event will take place on October 17 to support lung cancer research at the JCCC under the direction of Dr. Edward Garon.
One Ball Matt Memorial Golf TournamentOctober 17, 2013Dong Guan City, China
For more information, please visit www.oneballmatt.com.
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