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Article date: 20 May 2002
Morley Fund Management ('Morley') has appointed ChngGhim Hoon as Head of Fixed Income in its Singapore office andDaniel Fasciano as Head of Fixed Income in its associate office inBoston*. Both will report to London based Peter Rains, Head ofFixed Income and Treasury at Morley, and will be responsible forthe management of local fixed income securities.
Serene Ong has also been appointed as a fixed income fundmanager in Singapore, reporting into Chng Ghim Hoon. In additionDaniel Fasciano will be recruiting further fixed income portfoliomanagers to work with him in Boston.
Morley has been appointed to run S$1.4bn (£520m) of Asian fixedincome by CGNU and the Boston team will be running US$800m (£550m)of US non-government securities. The creation of these positionsreflects the growth of fixed income management within Morley andthe increasing demand for this asset class. The 44 strong Morleyteam currently manages funds worth £43.2bn (€69bn, US$62.9bn)for both retail and institutional investors and is one of thelargest fixed income teams in the UK.
Commenting on the appointments, Peter Rains, Head of FixedIncome at Morley, said: "I am delighted that Morley hasattained such high calibre people in the US and Singapore. Theseappointments represent an important step in developing ourworld-class global fixed income capability. We already have a largeand successful team based in London and the added expertise andlocal knowledge that these appointments bring will expand ourcapability to undertake global fixed income mandates."
Daniel Fasciano joins from Mellon Financial where he spent fouryears as Director – Taxable Fixed Income having previouslyspent five years as Portfolio Manager – Fixed Income. Priorto joining Mellon Financial he worked for 3 years as a Junior TrustOfficer at The Boston Company (Mellon).
Chng Ghim Hoon joined Morley in February 2002 from the InsuranceCorporation of Singapore (ICS) where she was Head of Investments.Prior to this she was Director of Investments at John Govett/AIBGovett and Senior Investment Manager at DBS Asset Management.
Serene Ong joined with Ghim Hoon from ICS where she was DeputyManager. Prior to this she was an Assistant Investment Manager atIndocam Asset Management and a Senior Investment Analyst at SeyenInvestment.
*Norwich Union Investment Management, a CGNU Group company
For further information please contact:
Laura Cook, PR Executive 020 7809 8125
Morley Fund Management
- The fixed income team at Morley Fund Management has £43.2bn(€69bn) under management managed by 44 fund managers andanalysts based in London, Singapore and Tokyo. In 2001 the teamwon institutional mandates totalling £1.9bn (€3.2bn).
- Morley Fund Management ('Morley') is anindependently managed, London based, asset management businesswith over £107bn (€ 171bn) under management. It hasinvestment management operations in London, Tokyo and Singaporeand an associate office in Boston*.
- Morley is a wholly owned subsidiary of the CGNU Group andmanages both institutional and retail funds under the Morleybrand. It also acts as investment manager for a range of retailinvestment funds, marketed in the UK under the Norwich Unionbrand.
- CGU plc and Norwich Union plc merged on 30 May 2000 to createCGNU plc, the UK's largest insurance group and one of thetop-five insurers in Europe with substantial positions in othermarkets around the world, making it the world's seventhlargest insurer based on gross worldwide premiums.
*Norwich Union Investment Management, a CGNU Group company
Further information about Morley Fund Management can be found atwww.morleyfm.com
Issued by Morley Fund Management Limited.
Morley Fund Management is a business name of Morley FundManagement Limited, registered in England No. 1151805 and MorleyInvestment Services Limited, registered in England No. 1973412.Both are members of the Norwich Union Marketing Group, members ofwhich are regulated by the FSA for life assurance, pensions andinvestments. Morley Investment Services Limited is a member of theInvestment Management Association. Registered Offices: No. 1Poultry, London EC2R 8EJ. Both are CGNU Group companies. Forcorrespondence please contact us at Morley Fund Management, No. 1Poultry, London EC2R 8EJ. MFM/02/540


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We've been waiting a release on Versatile  from our long time friend Ark. It's now done with this "Street House EP", an ode to B-Boy house. Emba Anthem, with its samples from a cult west coast 90′s hip hop band, and the bewitchingNuark, which mixes deepness, sensuality and odd funky groove, but inna Ark unique fashion. Big shout outs Paris kids!
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SAN FRANCISCO (AP) - A federal appeals court agreed Thursday to reconsider its decision to strike down a California law that requires applicants for a concealed-weapons permit to show "good cause" beyond self-defense.
LOS ANGELES (AP) - The father of a former Los Angeles police officer was charged Thursday with lying to FBI agents to help his son escape after the officer was charged with killing a man during an off-duty fight.
PARIS (AP) - Passengers with moments to live screamed in terror and the pilot frantically pounded on the locked cockpit door as a 27-year-old German co-pilot deliberately and wordlessly smashed an Airbus carrying 150 people into an Alpine mountainside.
NEW YORK (AP) - The cover for Harper Lee's new novel will surely remind you of the cover for her old one.
PITTSBURGH (AP) - A 12-year Allegheny County councilman has withdrawn his nominating petitions - and thus ended his last re-election bid - in grand style.
PEARL HARBOR, Hawaii (AP) - When a Vietnam veteran briefly stopped in Hawaii on his way home from war, he vowed to return one day to honor the people who perished during the attack on Pearl Harbor. With just less than two months to live, Joseph Hooker realized his longtime dream on Wednesday.
FOND DU LAC, Wis. (AP) - A Wisconsin State Patrol trooper just three months out of the academy and working the first solo patrol of his "dream job" died in a shootout with a bank robbery suspect also believed to have killed a motorist.
WASHINGTON (AP) - At Iraq's request, the U.S. began airstrikes in Tikrit on Wednesday in support of a stalled Iraqi ground offensive to retake the city from Islamic State fighters. The bombing marked a significant expansion of the U.S. military role in Iraq.
PITTSBURGH (AP) - An elementary school teacher who resigned this month was obsessed with one of her 11-year-old students, encrypting her phone number on the girl's math homework, exchanging thousands of text messages with her and even talking of running away with her, authorities said Wednesday.
NEW YORK (AP) - The newest weapon in the breakfast wars is a biscuit shaped like a taco.
DETROIT (AP) - A Detroit mother was arrested Tuesday after the frozen bodies of a boy and girl were found in a deep freezer in the family's home, police said.
HARRISBURG, Pa. (AP) - A Pennsylvania police officer was charged Tuesday with criminal homicide after investigators concluded she shot an unarmed motorist in the back as he lay facedown after a traffic stop over an expired inspection sticker.
CHARLOTTE, N.C. (AP) - A Charlotte man who has continually irritated his neighbors by standing naked in the front door of his home has exposed a state law that local prosecutors want to change.
NEW YORK (AP) - Children under 2 will not be allowed juice at New York City-licensed day cares and all other children will be limited to 4 ounces of juice a day, under new rules adopted by the city's Board of Health.
HOUSTON (AP) - A court hearing has been set for April 17 on whether a temporary hold on President Barack Obama's immigration executive action should be lifted, a federal appeals court announced Tuesday.
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SEATTLE (AP) - Sixteen months after he declared a state of emergency on homelessness, Seattle's mayor is asking voters in this liberal, affluent city for ...
WASHINGTON, D.C. (AP) - As the political drama over health care legislation in Washington fades, the rest of the country faces a more immediate concern ...
NEW YORK (AP) - Forty-six dogs were flown to New York from South Korea after being rescued at a farm where they were to be slaughtered ...
WASHINGTON (AP) - President Donald Trump has now laid out exactly what he wants in the "big, beautiful wall" that he's promised to build on ...
WASHINGTON (AP) - President Donald Trump on Sunday attacked conservative lawmakers for the failure of the Republican bill to replace former President Barack Obama's health ...
WASHINGTON (AP) - California Gov. Jerry Brown likened President Donald Trump to a strongman whose goal of walling off the U.S.-Mexico border conjures other ...
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This organization has not appeared on the IRS Business Master File in a number of months. It may have merged with another organization or ceased operations.
This organization's exempt status was automatically revoked by the IRS for failure to file a Form 990, 990-EZ, 990-N, or 990-PF for 3 consecutive years. Further investigation and due diligence are warranted.
The mission of mii is to provide information and materials to teachers and students that result in an understanding that mineral and energy resources are essentail to society amd are produced in an environemtally and socially responsible manner.
Sign in or create an account to view revenue data
Mr. Nelson Fugate
natural resources, education, teachers, environment, science
Also Known As
See more addresses
Main Address
505 Violet St
Golden, CO 80401
Education N.E.C. (B99)
Land Resources Conservation (C34)
Physical Sciences/Earth Sciences Research and Promotion (U30)
IRS Filing Requirement
This organization is required to file an IRS Form 990 or 990-EZ.
How does this organization make a difference?
Self-reported by organization
What are the organization's current programs, how do they measure success, and who do the programs serve?
Program 1
MII reaches more than 210,000 teachers across the United States each year through its National Education Project (NEP). The NEP provides complimentary teaching aids on minerals and other natural resources to be used as supplements in the K-12 classroom. Teachers either download the information from MII's website or request that the free materials be mailed to them. More than 1.6 million students have spent a year studying Global Science, our full-year High School science textbook. That's 216 million classroom hours.
Program long term success
Served more than 210,000 teachers between the teachers receiving our complimentary materials by mail and from our website.
Program success monitored by
Not available
Program success examples
Not available
Population(s) Served
External Reviews
Source: greatnonprofits.org
The review section is powered by Great Nonprofits
Financial information is an important part of gauging the short- and long-term health of the organization.
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The people, governance practices, and partners that make the organization tick.
Mr. Nelson Fugate
Nelson Fugate has been President of the Mineral Institute since 1992. As a graduate of the University of Colorado (Boulder), he worked 15 years providing public education and community relations programs for a major international company.
He was elected county commissioner for three terms when he first joined the Institute.
He lives in Idaho Springs, Colorado with his wife, Jean, who teaches 5th grade at Idaho Springs Elementary.
"I believe teachers are the most creative profession that exists, but they will never have enough time and money to meet all of the demands that are placed on them. Our job is to help them achieve their goals without consuming their limited resources."
GuideStar worked with BoardSource, the national leader in nonprofit board leadership and governance, to create this section, which enables organizations and donors to transparently share information about essential board leadership practices. Self-reported by organization
Does the board conduct a formal orientation for new board members and require all board members to sign a written agreement regarding their roles, responsibilities, and expectations?
Has the board conducted a formal, written assessment of the chief executive within the past year?
Have the board and senior staff reviewed the conflict-of-interest policy and completed and signed disclosure statements in the past year?
Does the board ensure an inclusive board member recruitment process that results in diversity of thought and leadership?
Has the board conducted a formal, written self-assessment of its performance within the past three years?


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Sandra Bernhard shows up after a session at her gym in West Hollywood, relatively subdued, dressed for anonymity, no makeup in evidence. Her not-so-secret weapon, that angry slash of a mouth, is metaphorically holstered today. On screen it's usually highlighted, glossed in souped-up, self-satirising shades of scarlet or vermilion. But what's most outrageous are the words it spits out.
Late last year, the mouth landed her in trouble again, after reporters picked up on a scathing riff on then vice-presidential contender, Sarah Palin, in Bernhard's stage show Without You I'm Nothing. Bernhard, who is loudly and proudly Jewish, told her audience that if the Governor of Alaska showed up in Manhattan, she'd "tear her apart like a Wise Natural Kosher Chicken". She then hit her stride, calling Palin a "turncoat bitch" and - with typical, eye-popping overkill - praying she would be "gang-raped by my big black brothers". Outrage duly ensued.
Today, Bernhard is in a more reflective mood as she prepares to bring Without You I'm Nothing to London. She says that she'll "try to add a little local colour and commentary - I try to keep it as relevant as possible." Expect Sapphic reworkings of Me and Mrs Jones and Fifty Ways to Leave Your Lover, alongside sulphurously tart demolitions of celebs, divas and homophobes.
"I may not have fucked much with the past," Patti Smith once said, "but I've fucked plenty with the future." Bernhard has occasionally borrowed the line to express her own sense of being ahead of her time. She first burst on to the international scene in the early 1980s, starring as Masha in Martin Scorsese's The King of Comedy, a role that should have made her a star. Still in her 20s, and with a face that startled more than it soothed, she was totally assured as the bratty, obsessive stalker who eventually kidnaps the object of her desire. But rather than making Bernhard a household name, the film established her as a woman to be feared; an antic, unsettling presence.
Over the last 25 years Bernhard's public persona has been diffused across stage shows, TV chatshows and guest appearances on TV series such as Roseanne. She was famously friends with Madonna in the late 80s; Bernhard claimed to have slept with both Madonna and then husband Sean Penn. That friendship went south soon enough and Bernhard has remained blisteringly funny on Madonna's shortcomings ever since. Last year, the New York Post reported on a withering five-minute demolition prompted by a heckler asking, "Are you still friends with Madonna?" Bernhard - "in a mad, dark, five-minute freestyle" - robotically repeated the phrase, "We only got four minutes to save the world" interspersed with screeches of "My chicken is raw!" Pause ... "Does that answer your question?"
As Bernhard often says, "My father was a proctologist and my mother was an abstract artist, so that's how I see the world." She is also the product of two starkly contrasting communities: Flint, Michigan, and Scottsdale, Arizona. The former is the cradle of modern American unionism, the site of the 1936-37 strike by United Auto Workers that broke General Motors. "What I got, growing up in Flint," says Bernhard, "was a work ethic."
In 1965, when she was 10, Bernhard's family moved to Scottsdale. "It was definitely an alien atmosphere. Very, very white - and I already was greatly respectful of the influence of black culture from Flint. People in Arizona were very freaked out by people of colour, otherness. It hasn't changed that much, but that also made me more compassionate."
At 19, Bernhard split for Los Angeles, intent on a musical career. "But I find there's all these comedy clubs. So I started performing and eventually put songs into my act. Even though it wasn't the right atmosphere, I forced it in anyway and it really made me strong as a performer." She was surrounded by a generation of great comics: Robin Williams, Jay Leno, Arsenio Hall. Her breakthrough came when she was cast in The Richard Pryor Show. It only lasted four episodes, but it raised her profile. "Richard was totally cool. He was a very, very reserved kind of person, but he was not distant, he was not arrogant. He encouraged the young talent to really go for it."
Ever since, Bernhard's arrival in anyone else's project has brought with it a clear set of associations - the loudmouth with a sweet side, the ceaseless provocateur, the trouper with a fizzing brain. She may be cast as Nancy Bartlett on Roseanne - the first gay TV character to be played by an openly gay actor - or in a recurring guest part on The L-Word, but it's always Sandra Bernhard who shows up, trailing all those familiar traits.
She was even offered the role of Miranda in Sex and the City, but "the original script wasn't very good and they weren't paying much! And nobody liked that character - bitchy, unhappy, curmudgeonly. I'm not sure that show has done a lot for women." She defines her own work as post-feminist "because I'm too young to be an active part of that first movement, in terms of fighting for basic women's rights, but I was strongly influenced by it when I was young ... Not that we haven't had to continue to work and fight - the patriarchy still rules the world. And it survives in all the other cultures, in Africa, the Middle East. I constantly remind people that there's no place that's absolutely safe for women except the western cultures, where we're able to get away with basically anything - well, except when Bush was in office, when it was all threatened again."
Even with Bush gone, there are battles to fight. On the day Barack Obama was elected president, Proposition 8, outlawing gay marriage, was passed in California. Bernhard is bisexual, and has a 10-year-old daughter. How did she feel? "I wasn't devastated," she says.
"I just felt like the gay community dropped the ball on this. The Mormon church was pouring millions into this fight, so why the gay community wasn't out there, I just don't understand. But when something's almost taken away from you, then you roll up your sleeves and get back to work."
Bernhard's public persona remains that of an in-your-face woman, proudly urban and cosmopolitan, contemptuous of rubes and racists. The squirming reactions to her from the super-straight and uptight always remind me of the way Little Richard - black and unashamedly flamboyant - must have appeared to suburban American parents in the mid-50s. They didn't understand what he was saying either; they just knew in their bones that, whatever it was, they didn't like it.
• Without You I'm Nothing is at the Leicester Square Theatre, London, from 26 May, then touring. sandrabernhard.com


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Knights of Columbus Council #8838 Launches Tri-Parish Boys Fraternity in Northwest Broward
On September 19th, 2013, the Knights of Columbus Coral Springs Council 8838 voted to institute a Columbine Squire Circle to include young men from St. Andrew Catholic Church, St. Elizabeth Ann Seton, and Mary Help of Christians Catholic Church.
Thanks to the efforts of Father Michael J. McGivney, assistant pastor of St. Mary's Church in New Haven and some of his parishioners, the Connecticut state legislature on March 29, 1882, officially chartered the Knights of Columbus as a fraternal benefit society. The Order is still true to its founding principles of charity, unity and fraternity.
The Knights of Columbus was formed to render financial aid to members and their families. Mutual aid and assistance are offered to sick, disabled and needy members and their families. Social and intellectual fellowship is promoted among members and their families through educational, charitable, religious, social welfare, war relief and public relief works.
The history of the Knights Order shows how the foresight of Father Michael J. McGivney, whose cause for sainthood is being investigated by the Vatican, brought about what has become the world's foremost Catholic fraternal benefit society. The Order has helped families obtain economic security and stability through its life insurance, annuity and long-term care programs, and has contributed time and energy worldwide to service in communities.
The Knights of Columbus has grown from several members in one council to more than 14,000 councils and 1.8 million members throughout the United States, Canada, the Philippines, Mexico, Poland, the Dominican Republic, Puerto Rico, Panama, the Bahamas, the Virgin Islands, Cuba, Guatemala, Guam and Saipan.
The Knights of Columbus Youth Organization, Columbian Squires are asked now more than ever to give of their time and their talent, as an individual and as a circle. Their service is needed by their country, their community, their neighbors and their Church.
Founded on August 4, 1925 with the institution of Duluth Circle 1 in Duluth, Minn., the Columbian Squires program strives to provide "the spiritual, cultural, civic, social and physical improvement of its members, and the development of their leadership qualities," (section II, Article II of the Laws and Rules of the Columbian Squires).
Squires have fun. They meet new friends; they travel, play sports and socialize. Squires are serious-minded, too. Squires are involved in promoting vocations, marching in defense of unborn life, feeding the hungry, clothing the poor, supporting Special Olympics and promoting Catholic education, among countless other activities. Thus, the Squires circle is an athletic team, a youth group, a social club, a cultural and civic improvement association, a management training course, a civil rights organization and a spiritual development program all rolled into one.
Organizational meetings are held on Thursday nights and all Catholic boys who will be age 10 by June 30th up to the age of 18 are invited to register. Costs are minimal with a $1.00 registration fee and annual fee that amounts to less than $2.00 a month. Under the guidance of Chief Counselor and Catholic Youth Minister Chris Gordon with other counselors, Squires run their own meetings and plan their own events. Any Catholic boys or young men who would like to be involved may contact the Chief Counselor by email (youthminister@
The Squires is an international fraternity of approximately 25,000 Catholic young men, ages 10 to 18, in over 1,500 circles worldwide. Circles exist, or have existed, throughout the United States, Canada, Mexico, the Philippines, Puerto Rico, Guatemala, Panama, Cuba, the Bahamas, the Virgin Islands, Guam, and on U.S. military bases abroad. Local Knights of Columbus councils and assemblies sponsor Squire circles, which may be based either in a council/assembly hall, in a parish building, a parochial, private, public or military school, or on a military installation. The Squires involves young men in programs to benefit the Church, the community, as well as in recreational and social activities.
Media Contact
Columbian Squires of KofC Council #8838
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Since 2010, AF&PA and NPTA have co-hosted the event to provide THE annual networking event for the paper industry. Each year has brought new and provocative offerings. Over the years, AF&PA has announced their sustainability goals (Better Practices, Better Planet 2020) here; NPTA's Stanley O. Styles Award has become featured at the event; insight has been gained from millenials, trade experts and thought leaders from within and outside our industry; and innovative ways to enhance the networkin
11/16/2016Bayard S. Tynes Promoted to Vice President, Fine Paper Sales for Strickland Companies
9/22/201665 North American Companies Remove "Go Paperless – Go Green" Claims
9/27/2017Paper School


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Re/Max associates honored for outstanding achievements
RE/MAX associates with RE/MAX Lakes Area Realty in Crosslake and Nisswa were recently recognized at the RE/MAX North Central Day of Distinction and Awards Celebration for their outstanding achievements in 2011.
Howard Hanson with the Nisswa office was honored by RE/MAX World Headquarters with the Hall of Fame award. The Hall of Fame award is the third highest national honor given for total career sales and years of service to the RE/MAX organization.
Terry Pederson and the Pederson Team of Terry, Ted, Brandon and Laura, with the Crosslake office, were recognized and named to the Platinum Club level. As the third highest regional honor for sales in a single year, 4 percent of nearly 2,000 RE/MAX North Central associates in Minnesota and Wisconsin achieved the Platinum Club level in 2011.
In addition, Dave Ellingson with the Nisswa office was honored with a Service Award for his 15 years of commitment and dedication to the RE/MAX organization.
David Linger, RE/MAX North Central executive vice president and regional director, said: "Receiving any RE/MAX award in today's market is a great accomplishment. These achievements come from a lot of hard work and commitment throughout the year."
The RE/MAX North Central Day of Distinction and Awards Celebration was hosted Feb. 9 at the St. Paul RiverCentre in St. Paul, and featured keynote speaker, NFL legend, Joe Theismann.


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An assortment of Daffodils, host a variety of Narcissus in your garden with Taylors Mixed Colour Bulbs. Flowering at a height of 35cm, your Mixed Colour Narcissus will mesmerise all who look upon them with their bobbing heads and striking trumpets ? an excellent addition to your flower beds.
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Flowering height: 35cm
Plant: July-December
Flowers: March/ April
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The average Briton is left with only £148 spending money each month after essential bills and expenses, according to a new index launched this week by ISA provider Scottish Friendly.
The new index reveals that despite taking home an average monthly salary of £2,171 after tax, less than a tenth remains after living expenses like mortgage payments or rent and utilities are taken into account.
Despite this, paying down debt and building a savings pot remains a priority for many, with over half of people (54 per cent) still managing to save or invest each month. On average, people put aside £72 each month, although nearly half (47 per cent) of those who save, manage to put aside £100 or more.
Part of this may be in anticipation of the worst, with around a quarter of people (25 per cent) believing that their financial situation is likely to worsening over the next three months. Indeed, of those people who are saving, over half (56 per cent) do not have a specific reason for doing so.
Neil Lovatt, product director at Scottish Friendly, comments: "There has been a transformation in the British mindset when it comes to managing finances. In the recent past, household budgets were very much driven by borrowing. However, the emphasis now seems to have gone full circle and we have returned to a post war emphasis on saving and paying down debt, despite many having to deal with a very tight budget"
"The index has revealed that one in three people think that saving into an ISA or savings account each month is an essential part of the monthly budget, while over half of the UK believes that it is vital to pay into a pension."
"The emphasis on pensions is misguided in my view and more can and should be done to encourage better understanding of the options available to savers. When you are only putting small amounts of money aside each month, it is even more important that you make it work harder for you."
"This is particularly true for the younger generation where over a third of 18-24 year olds believe that saving for retirement is a necessity. This is fantastic news as it shows how the younger generation is taking a long-term view of their finances. However, at the same time, around two thirds do not realise that they are entitled to two ISAs each year – an investment ISA as well as a cash ISA. When we are dealing with the most accessible and flexible form of tax efficient saving, this lack of knowledge is concerning."
Regionally, people in Scotland find themselves with the most disposable income each month, with an average of £160, while people in Northern Ireland only have around £125 to work with. While the South West has the greatest number of people saving or investing each month (61 percent), on average they contribute the least at just £66 a month compared to the £75 put aside on average each month by people in Yorkshire and the East Midlands.
|Region of the UK
|Average monthly disposable Income
|North East
|West Midlands
|Yorkshire & Humberside
|East Midlands
|East Anglia
|South East
|North West
|South West
|Northern Ireland
Scottish Friendly is not responsible for the accuracy of the information displayed on externally linked third party websites. The Scottish Friendly Group of Companies consists of the following companies: Scottish Friendly Assurance Society Limited – Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Member of AFM, Member of ABI: Life, Savings and Investments. Scottish Friendly Asset Managers Limited – Authorised and regulated by the Financial Conduct Authority. Member of The Investment Association. Registered in Scotland No 187215: OEIC Managers, ISA Managers. Scottish Friendly Insurance Services Limited – Authorised and regulated by the Financial Conduct Authority. Registered in Scotland No 113007. SFIS (Nominees) Limited - Registered in Scotland No 397351. Head office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.


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Pelvic Organ Prolapse Treatments
Non-Surgical Treatments
- Avoid standing for long periods of time.
- Avoid heavy lifting.
- Keep your bowel movements soft using a high fiber diet.
- Use of Pessaries: A pessary is a small device made of plastic or silicone that is placed inside the vagina to hold the uterus or the walls of the vagina up, and inside of your body.
- Pelvic floor muscle training (Kegels): There are muscles around the vagina that help with pelvic support.
Surgical Treatment
There are many different types of surgeries to correct pelvic organ prolapse. Often, more than one of these surgeries will be performed at the same time.
Vaginal Surgeries
In general, vaginal approach surgeries have a faster recovery time and cause less pain than abdominal surgeries.
- Vaginal Hysterectomy - the removal of the uterus through the vagina, without any incision on the abdomen. Removal of the tubes and ovaries may be done at the same time.
- Anterior Repair (Anterior Colporrhaphy) - An anterior repair is a vaginal surgery to correct a cystocele, when the "upper" wall of the vagina that is in contact with the bladder is sagging down, or coming outside of the vaginal opening. This is done by making a vertical incision in the skin of the vagina, and folding the strong tissues just underneath the vaginal skin.
- Posterior Repair (Posterior Colporrhaphy) - A posterior repair is a vaginal surgery to correct a rectocele, when the "lower" wall of the vagina that is in contact with the rectum is bulging into the vagina, or coming outside of the opening of the vagina. This is done by making a triangular or diamond-shaped incision, and removing some of the extra skin of the wall of the vagina.
- Sacrospinous Ligament Suspension - A sacrospinous ligament suspension is used to re-attach the "top" or "apex" of the vagina when it has come down. This operation attaches the vagina to the sacrospinous ligament through the vagina.
- Uterosacral Ligament Suspension- used to re-attach the "top" or "apex" of the vagina when it has come down.
- Colpocleisis (vaginal shortening)- used for women who do not desire future vaginal intercourse and/or are in poor general health. The skin is removed from the vaginal bulge, and then the tissue is progressively sutured upon itself using many layers. The vagina will no longer be deep enough to permit intercourse.
Abdominal Surgeries
In general, abdominal approach surgeries have a longer recovery time and generally cause more discomfort pain than vaginal surgeries.
- Hysteropexy (Uterine Sparing) - An incision is made on the abdomen (either transverse or vertical), and the uterus is supported by mesh with stitches that are attached to the front of the tail bone (sacrum).
- Supracervical Hysterectomy with Sacrocolpopexy -The uterus is removed by making an incision on the abdomen. A supracervical hysterectomy is different from a total hysterectomy in that the lower part of the uterus, the cervix, is not removed.
- Abdominal Sacrocolpopexy - An incision is made on the abdomen (either transverse or vertical), and a mesh is used to attach the top of the vagina to a strong ligament that lies along the sacrum, which is part of the pelvic bone.
- Laparoscopic Reconstructive Surgery - The abdominal surgeries can also be performed laparoscopically, through several very small (1 cm) incisions, with the use of a video camera. Abdominal sacrocolpopexy, paravaginal repair, and uterosacral ligament suspension can be done with the laparoscope. One advantage of laparoscopic surgery is that recovery time is faster than with abdominal surgery, and postoperative pain is usually less than abdominal approach surgeries.
- Robotic-Assisted Laparoscopic Surgery - A newer technology in laparoscopic surgery is robotically assisted laparoscopic surgery with the DaVinci robot. Abdominal sacrocolpopexy can be performed by the robot-assisted laparoscopic approach. Similar to standard laparoscopy, this procedure is performed through several very small (1 cm) incisions, with the use of a video camera. The advantage of this approach is faster healing time and shorter hospital stays than with a more traditional abdominal approach to the same surgery which is performed through a larger abdominal incision.
Interested in Pelvic Organ Prolapse Treatment?
Call today to schedule a visit with one of our pelvic floor specialists.


text: 159 FXUS63 KARX 262328 AFDARX Area Forecast Discussion National Weather Service La Crosse WI 628 PM CDT Fri May 26 2017 .SHORT TERM...(Tonight through Saturday Night) Issued at 215 PM CDT Fri May 26 2017 Current water vapor/mid-level analysis has a shortwave trough progressing eastward across eastern IA while another trough was pushing across MN. Radar had showers brushing northeast IA into far southwest WI associated with the southern wave while northern wave was generating fairly widespread mid/high cloud cover across the rest of the area. Otherwise, temperatures across the area ranged from the middle/upper 60s in the thicker cloud cover across the south, to the lower/middle 70s along the I-90/94 corridors. Going into this evening, we will be watching that mid-level trough over MN push a weak cold front into the area. All the CAMs show a narrow line of showers/thunderstorms developing along the front, then rapidly diminishing in intensity as they move into northern WI by early this evening with loss of surface heating. Look for this wave/front to push through the area by midnight with skies becoming partly cloudy overnight. Diminished cloud cover and fairly light winds will likely lead to some fog formation. Will have to keep an eye on how dense this fog gets toward morning. For Saturday...another mid-level wave ejects northeast from the Plains, combining with increasing mid-level frontogenesis and lingering surface boundary/convergence. This will produce a chance of showers and thunderstorms in the afternon during peak surface heating. Will have to watch for the potential of a few stronger/possibly severe storms across southern WI into northeast IA late in the afternoon as the NAM develops a narrow corridor of 1500- 2500J/kg of 0-6km MUCAPE along with increasing 0-6km bulk shear in the 35-50kt range after 21z. This is probably the extreme of all the models, but certainly bears watching for the possibility of strong to severe storms if this higher-end CAPE and Shear is realized. Scattered showers expected to continue into Saturday night as a strong mid-level trough/associated cyclonic flow rotates in from the Northern Plains. .LONG TERM...(Sunday through Friday) Issued at 215 PM CDT Fri May 26 2017 Long wave trough sets up across the area Sunday through Wednesday as a closed low moves through southern Canada. This will set up on/off shower chances through the period along with the possibility of a few afternoon storms in peak heating/steepening lapse rates. Look for highs Sunday in the upper 60s to middle 70s, cooling into the 60s Memorial Day through Wednesday. Could still see a slight chance of showers Thursday and Friday as area remains in northwest flow on the backside of the departing closed low. && .AVIATION...(For the 00Z TAFS through 00Z Saturday evening) Issued at 628 PM CDT Fri May 26 2017 A weak cold front continues to work east early this evening, and is expected to make it to about LSE later tonight before stalling and dissipating. A couple of isolated showers have developed along that front, but should steer clear or LSE or RST to the north through 02Z, with VFR conditions expected for much of the night. However, where that front ends up stalling may prove difficult, as there is an increasing risk for some fog and/or stratus development to the east of the front, where higher moisture levels will remain present. At this time, it appears the greatest risk for IFR stratus and/or fog will exist just to the east and south of LSE, but trends will need to be monitored closely, as the risk for a several hour window of lowered ceilings does exist. Otherwise, a gradual increase and lowering of ceilings is expected from west to east through the day on Saturday as our next system approaches, with only a very limited risk for an isolated shower prior to 00Z. The greater risk for rain and potential reduced ceilings will hold off until Saturday evening and night. && .HYDROLOGY... Issued at 215 PM CDT Fri May 26 2017 Elevated river levels/minor flooding will continue along the Mississippi River through the weekend into early next week. Those with interests along or on the Mississippi River should monitor the latest river forecasts and statements closely. If you are planning any recreational activities/boating be aware of these elevated river levels and watch out for objects in the water that may pose a threat to watercraft. && .ARX WATCHES/WARNINGS/ADVISORIES... WI...None. MN...None. IA...None. && $$ SHORT TERM...DAS LONG TERM....DAS AVIATION...Lawrence HYDROLOGY....DAS


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Tour De Frederick
Please join us for the 7th Annual TOUR DE FREDERICK to be held August 12-14, 2016
All proceeds will benefit Boys & Girls Club of Frederick County. This event offers cycling enthusiasts of all ages and skill levels unique routes that showcase the beauty of Frederick County, emphasizes our county's rich history and fosters camaraderie among riders. This event has grown dramatically since its inception and over 500 participants are expected this year. When you ride the TOUR DE FREDERICK, you are supporting Boys & Girls Club of Frederick County!
Our local Boys & Girls Club, whose mission is to enable all young people, especially those who need us most, to reach their full potential as productive, caring, responsible citizens, serves over 200 at-risk children in the Frederick Community. Through after school and summer programs; Power Hour (homework assistance), ClubRiders (bicycle safety and training), SMART Moves (dealing with peer pressure), NetSmartz (internet safety), and Torch Club (leadership development) the Club provides a fun and safe environment for our children.
Our hope is that each child will realize:
Good Character and Citizenship
Healthy Lifestyles


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Animation Throwdown best combos guide
There's a huge number of card combos to be discovered through trial and error in Animation Throwdown. Whether you are rocking an all Bob's Burgers deck or mixing up Futurama and Family Guy cards, what you want most is versatility so you can always make strong combos.
The Airplane card for instance has 20 potential combos, while Boyz 12 has 30 and Bullock has a whopping 49. Beyond versatility, the next thing to look for when building combos is card rarity. The rare Crack card may only have 20 combos, but they are all incredibly useful.
Quality Cards For Quality Combos
It's hard to give a specific "best" combo since each one will be different depending on how far you've upgraded your cards.
Keep in mind that if both cards are still at level 1, the combos listed below won't be nearly as effective. Combos made with non-upgraded cards will either have no skills, lower powered skills, or significantly lowered stats, so your mileage may vary.
If you are just getting started, check out our full breakdown of every skill right here, and if you need help getting better cards to make combos, check out our guide to better loot drops.
Best Animation Throwdown Card Combos
With 195 cards available at launch (more sure to be added in updates) and many of those having dozens of possible combos, obviously we haven't even found them all yet! These are the best we've discovered so far:
Shots Klaus
Sturdy and Shield skills at the same time? Klaus is your all-purpose defender sure to vex the opponent.
Responsible Cocaine User
Mixing Bullock with some Crack leads to high health and a trio of skills: Sturdy, Boost, and Gas. This combo makes an excellent all around card that's unlikely to die quickly and upgrades your nearby cards.
Withdrawal Steve
With both Payback and Crazed skills at the same time, Steve is always dealing loads of damage.
Brewmaster Teddy
With his super high Gas skill, Teddy will take down even the most high health card in just a few turns.
Kidney Killer
Get some Alcohol into a rare Haley and you have a card with Cheer to boost your allies and Gas to take down enemies.
Drunk Peggy
Good lord, Peggy is crazy when drunk! With Cripple, Jab, and Crazed she can cut through enemy defenses and gets more powerful with every attack!
These are the best combos we've been using to dominate in Arena matches and take down tough Adventure quests. What are some of your favorite combos we should try out?
If you found this guide useful check out my other Animation Throwdown guides:


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New Braunfels Herald Zeitung Newspaper Archives
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New Braunfels Herald Zeitung (Newspaper) - December 19, 1984, New Braunfels, Texas THE WHITEHOUSEOil prices don't faze Americans, see below O pinions Dave Kroner, General Manager Robert Johaeoa, EditorJames KilpatrickThe exact word is always important When is a UOPH not a UOPH? It's when ifs BOQ instead. That was the thrust of an order issued the other day by Navy Secretary John Lehman Jr. He has directed all hands to restore old-fashioned naval terminology, and to scrape away the bureaucratic barnacles of recent years. What has been known as Unaccompanied Officer Personnel Housing (UOPHi will return to the time-honored Bachelor Officers' Quarters (BOQ). Instead of the namby-pamby "enlisted dining facilities," we will restore the brig. Sailors no longer will use stairs to reach an upper level; they will use ladders to go topside. I^t's hear it for Horatio Hornblower! Lehman's directive on nautical terminology serves as a reminder to all to keep aware of the myriad vocabularies around us. By coincidence, at about the time Lehmann was sending the Navy a message, a friend sent me a copy of Words by Paul Dickson (Delacorte Press, 19821. It's a browser's delight a collection of oddball vocabularies. Professional writers may find it useful. For example, printers have a vocabulary that is all their own. To a printer, a "widow" isn't the surviving wife of her late husband; a widow is a short line at the top of a page or a column. In printing, such familiar words as "slug," "furniture," "gutter" and "descender" have meanings all their own. I have no idea (and neither does Webster's) how "pi" or "pie" came to mean messed-up type, but the word has been used in that sense for more than 300 years. Dickson provides a sampling of words from the vocabulary hardware. A "bail" is the wire handle on a bucket. A "becket" is a rope grip. A "chime" is the rim of a cask. The decorative plate around a keyhole or a doorknob is the "escutcheon." A miner's double-pointed pick is a "flang." A bricklayer's hammer is a "scutch." The makers and drinkers of alcoholic spirits live in a linguistic world of their own. The froth on beer is the "barm." The wire around a champagne cork is the "agrafes" or the "coiffee." The thumb-piece on the lid of a stein is the "billet." The thing that stops up the bunghole of a cask of beer is a "shive." A "noggin" is a quarter of a pint. I bring up all this only to make the point that specialized vocabularies are like foreign languages. If we are writing a novel about an architect, a surgeon or a cop, we had better first learn to speak Architecture, Medicine and Police. This way lies credibility ; and to the extent that we use arcane terms wrongly, we are likely to look pretty silly. People do get mixed up. In the Pensacola (Fla. i News Journal last month, a writer on the op-ed page spoke of President Reagan's "adversity to a tax increase." He didn t mean "adversity." Probably he menat "aversion." In the Chicago Sun Times, a sportswriter said that Jim Frey "felt no vindication toward the Royals for firing him midway into '81." l^et us hazard a guess that "vindictiveness" was what the writer had in mind. At the Collegiate Times, the student newspaper of Virginia Tech, a feature writer burbled away; "Christmas season is in the air. and people are warming up for the seasonal purge around the corner." Only Cod and the young lady know what was intended here. Let us never cease to search for the exact word, and let us never settle for its second cousin. In the Navy you "set" a sail, "raise" a jack, "hoist" a signal and "break out" a pennant or a flag. When next you w rite a sea story, I expect you to keep all this firmly in mind. Washington Today Jack Anderson Americans aren't crippled by oil By BARRY SCHWEID AP Diplomatic Writer WASHINGTON — Pity the 13 members of the ee lusive club known as the Organization of Petroleum Exporting Countries. Eleven winters ago they had Americans shivering in their gas-guzzlers, trying to choose between a ride to Grandma's for the holidays and a trip to the supermarket for groceries. Gasoline prices were climbing and lines at the service stations — those that could be found open — were growing. Jt seems so long ago. ;Ihe club isn't all that exclusive anymore. Countries Uke Mexico, Britain and Norway don't hqve to be members in order to carve out a profitable share of the oil market. And the all-for-orte and one-for-all spirit within the cartel that hipped quintuple prices is running out. Higher taxes have partly masked what otherwise would be a 30 percent drop in American pump prices since 1981, As it is, prices have been dropping steadily and soon may dip below $] a gallon. It's a surplus or buyer's market. The price of a barrel of oil is sliding as OPEC members undercut each other with premiums and by offering better* grade to their customers. Some are exceeding the production ceilings set seven weeks ago. The aim w as to maintain the benchmark price of $29 a barrel through quotas for each OPEC member. Overall production was supposed to be cut to 16 Mullion barrels a day from 17.0 million barrels. It hasn't worked and analysts doubt the OPEC ministers meeting again today in Geneva can keep production down and prices from failing. F^dward H. Murphy, director of statistics at the American Petroleum Institute, says Nigeria mas be 300,900 barrels a day over its quota, and OPEC up to 1.3 million barrels. "The price next year is going to be governed by OPEC's willingness and ability to maintain production substantially below their capability to ^ my OOP the ANpeerriN' JL UNB FOR, THE LONGER Ti SOUPKJTCm ALI The i ooesarounp Tm, rn BLOCK I RUSS THERES WHOLE FAMIUES OUT HERE mi THE STREETS ARE fUU OE PEOPLE HIHO LOST THEIR JO0S OR LOST THEIR HOMES OR LOST THEIR MIHOS I / IT AINT JUST WINOS ANYMORE, ROO. ■ TELL ME ABOUT IT IUSEP TD BE A HUMAN RISHIS ANALYST EQR THE CARTER APMIN/S-mnoN / urn TALK HUH ? ABOUT YOUR o FALL FROM (BRACE CLI i SOCIETY JUST HA SSEV ME BY, MAN IL I G&U Teen-age males escape famine in Ethiopia produce," he said. I don't know whether they can," Murphy thinks the United States .should produce as much oil as it can, and not make OPEC's job easier. About one-third of the oil consumed here is imported. Of those imports, about 38 percent comes from the OPEC countries. The State Department is watching developments with subdued optimism. "Supply and demand, rather than a group, is setting the price of oil," said an official who keeps tabs on energy problems and spoke only on condition he not be identified. "We believe today's official prices for oil are high, but by saying that we don't intend to talk the price down. The market does it. "The market has a greater influence on prices than it has since 1973." EDITOR'S NOTE: Barry Schweid reports on diplomacy for The Assoc iated Press. WASHINGTON If you can stand lo study Hit heart-rending photos of starving Ethiopians, you will notice a .striking phenomenon Few if any of the horribly emamciated refugees in the relief camps are teenage boys The reason is simple Young males old enough to carry a gun have been conscripted either by the government army or by the opposing guerrillas. The latter have been fighting the Marxist regime for years in the northern areas most devastated by famine A lucky few. whose parents were foresighted enough and had a little money, have been able to escape the military press gangs and cross the border into Sudan. From there, they can get refugee passports thai allow them into Italy, West Germany or the United States. Daniel Keleta and 1-eelai Negga were two of the lucky ones who were able to come to the United States. My associate Vickt Warren interviewed them in Boston, where they have been helped by a church program directd by Ethiopian-born Mekonnen Meshesha. Daniel Keleta is now 16. He lives with his sister in Boston and attends high school. But two years ago, he spent two weeks walking 300 miles from his home in the famine area to safety across the Sudanese border. Daniel said he never would have made it if his parents hadn't given him all the money they had. Though he tried to hide from government and guerrilla recruiters, he couldn't elude them all the time. So the money w as used for bribes that allowed hun to continue his flight Daniel said many young boys rap out of bn bt* money and were conscripted by one side or the other in the civil war. l^eelai Negga is lo and Igis been in this country for only a few months. He lived through some of the worst of the famine, and there's no doubt in his mind who's to blame for the situation that could spell death for hundreds of thousands, perhaps millions of his countrymen He holds tin* Ethiopian government responsible. Ix*elai said it's not true that there were no vehicles to transport food to the needy. He said Sweden sent trucks to handle the relief supplies, but that the communist government expropriated the trucks for military use. He also said that there would have been plenty of water to prevent the drought that caused the famine — but that the government failed to build dams and irrigation ditches. The Marxist rulers have been too busy trying to stamp out the guerrillas in the northern provinces. "All of the young people are fighting, and have been for IO years," Leelai explained. "There is no one left lo do the building." Other refugees agreed that lack of manpower and government planning were responsible for the drought, and thus the famine. Both boys want to go back home some day. but not until theres a different government in Addis Ababa If he went back sooner. Da nile explained, "they would only use what I have learned to hurt my people even more." Since Congress opened the door to Ethiopian refugees in 1980. the number who have fled to the United States has hardly been overwhelming. From 939 the first year, the number arriving this year has totaled 2,536. 1'he number of Ethiopian immigrants those w ho have relatives rn this country or who have work skills went from 1.749 in 1981 lo 2,875 m 1983 Update Several months ago I reported that the Pentagon had used a secret fleet of Hughes 500 helicopters in last year's Grenada invasion. The choppers, which were seen in the government's own films of the invasion, were not listed in the official weapons inventory issued by the Pentagon. Interestingly, the same kind of helicopter turned up in the hands of Nicaraguan contras, who are backed by the ITA in their fights against the Sandmistas. Now I can report that the Army, according to internal documents, has ordered eight new Hughes 500 helicopters, for a total of more than $3.5 million. And there's a fascinating feature to the specifications; The choppers are to bi* painted with primer only. Does this mean they won't be marked w ith identifying insignia? — Ifs gratifying to learn that my reports on government excesses sometimes have an effect — particularly when the government that responds is ensconced behind the Kremlin's formidable brick walls. I -ast month I reported that the Soviets had been flexing their anti-Semitic muscle and making life miserable for teachers of Hebrew. I told one such instructor, Yuli Edelstem, who was not only rn jail for his activities but was being subjected to abnormally harsh treatment. Since then, according to reliable sources in the Soviet Union, Edelstem's jailers have eased up on him and Ids trail has been postponed. "What's the old buzzard hatching now ;
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Plants want to grow. Give them good soil, sunlight and water, pull a few weeds, and you'll likely be eating a BLT sandwich with a fresh tomato come late July. Armed with a little knowledge about what to plant when, you can extend the planting season and increase your harvest.
Here's a planting calendar to help map out your garden season. It was reviewed by Megan Cain, garden designer and consultant at creativevegetablegardener.com. Note that some vegetables are listed twice if they can be planted directly sown as seed in the garden or as transplants.
--Anna Thomas Bates, special to the Journal Sentinel
*A transplant is a seedling with roots and leaves that was grown in a small pot from seed.
**An onion set is a small immature onion bulb, which you plant into the ground.
Sources: Anna Thomas Bates; Megan Cain at creativevegetablegardener.com; UW Extension: Vegetable Cultivars and Planting Guide for Wisconsin Growers; Burpee
Read and share your thoughts on this story.


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Previous Challenge Entry
Topic: Peace (03/15/04)
TITLE: The Whitwash
By KAREN FASIG
© Karen L. Fasig 3/2004
The freak snowstorm raged outside the window causing havoc with the power of its wind and the force of its feathery white flakes. The accumulation on trees, power lines and streets causes chaos to reign as the sun rises.
The war zone effect takes hold as trees crash to the earth and power lines spit sparks onto the wet roadways. Cars and trucks collide as they slide on the white blanket and then display their mangled fenders. The roar of snowplow engines and their blades scraping pavement add to the already chaotic scene.
Brooms whooshing, snow blowers whining, and shovels digging only add to the hectic pace the snow has set for this day. Sunshine glares through dirty windshields blinding drivers to the scene portrayed before them.
Then, as if by design, a stray cloud passes across the brilliant sun to allow clear vision. The sight instantly calms the harried frenzy. A picture that describes peace better than any word can comes into perfect clarity. The bowed tree limbs covered with the white rain almost kiss the ground.
The mountains reveal the purest white blanket. A white that hurts the eyes if looked at too long. The muffle effect that the thick snow blanket provides dulls the otherwise overpowering noises. Serenity reigns.
At times throughout our lives God gives us just a taste of what peace is; when calm engulfs our souls while trouble is flying all around us, the instant in time when the Robin's song can be heard to the exclusion of all other sound, or the snowscape postcard view after a snowstorm.
Peace is the absolute knowledge that He is in control of every nanosecond of time. And yet, even knowing that, it is still only a snippet view of what peace really is. As God allows these glimpses into His perfect peace to cross our paths He is trying to show us that He alone can achieve it. Our sinful nature deprives us of ever knowing absolute peace while we are on this earth.
The world's goal of world peace is unachievable due to the fact that man doesn't understand what true peace is. As long as greed, lust, and a multitude of other sins can be practiced, even by the saved, peace is unattainable. Until it is time for Christ's return or it becomes our time to go home to Him we must settle for experiencing peace in these small vacuums of time.


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Setting the Stage for Vacation Planning – Personal Reflections on New York City from a Recent Trip
To me, New York City is truly a source of amazement and wonder for several reasons.
First, from an infrastructure perspective (yes – the nerdy engineer in me always appreciates the structural aspect of things), it's fascinating to see a place where SO MANY enormous buildings are built on such a small area of land, yet all of the transportation (subways, roads, and trains) and utility (water, sewer, gas, and electricity) needs of millions of people can still be served by this land at the same time. Second, New York City is fascinating from a social dynamics perspective because it is a place where millions of people from severely diverse backgrounds live and work together in a very small land mass. Yes – New York City is quite a gem and is a very cool place to visit for a vacation!
However, from a personal finance perspective, in my opinion, New York City is a financial disaster as a place to call home. Now, I'm not trying to say that the city or companies located in New York City run their finances poorly. Far from it actually, as I commend the companies that operate there because it is a good, accessible location in which to do business. What I mean is that for the average middle-class American Joe/Jill, because of how expensive it is to live there, New York City just might be the worst thing ever for a person's personal finance, retirement, debt-payoff, and savings goals.
In fact, in doing a brief investigation on Google, I found a Forbes study reporting that the savings' rate of not only New York City, but of all 10 of the highest populated metro areas in the US, did not rank in the top 50 highest-saving cities in the country. Clearly, there seems to be a trend that if you want to save money, these big cities might not be the best place to reach your goal (unless of course, you have a high paying job in one of these cities that cannot be located elsewhere).
Budgeting for a Vacation
So, needless to say, in July of this year, when I began planning an early-November trip to New York City to watch my girlfriend compete in the New York City marathon, I knew it would be quite essential to budget for the trip conservatively, save accordingly, and then stick to executing the plan once we were on the trip in order to prevent the scenario of having to pay for things on my credit card that I don't actually have the money for.
Now, if you've read my blog before, you probably know that I am not the biggest fan of budgets in the traditional sense of planning your monthly spending and then saving whatever is left over at the end of the month. What I've found is that if people do this, they tend to not have any money left over at all. Instead, I endorse the strategy of saving pre-determined amounts at the beginning of each month.
However, since in the case of vacations, you are only planning your SPENDING needs, budgeting is an appropriate and intelligent exercise.
Listed below are the various categories I like to budget/plan for when preparing for a vacation. It's worthwhile to note, that for the most part, these are the same general categories that one considers in planning his or her regular monthly expenditures as well (with the exception of Investing and Charitable donations savings). To get you started, I've also listed some of the specific cost items that normally fall in to these categories.
Vacation Spending Categories to Consider in Putting Together a Vacation Budget
- Entertainment (shows, museums, games, club entry fees, tours, activities/excursions)
- Lodging (hotels, motels, B&B's, resorts, or anywhere where you spend the night)
- Transportation (gas, plane ticket, car rental, tolls, parking fees)
- Food (breakfast, lunch, and dinner). I like to use $10, $15, and $20 per person for each of these meals, respectively, to plan conservatively and then multiply by the number of days of the trip (see note below for expensive destinations).
- Miscellaneous (a "cushion" amount to allow for random spending)
- "Wow! Parking costs $45 per night and the hotel is $350 per night in Manhattan! Geez! Better make sure to put this in the plan."
- When calculating the semi-unknown entertainment and food expense items, be sure to factor in any significant increases or decreases in price based on where you're traveling. For example, I added in the safety factor of 5 days of meals vs. the actual 4 days of the trip to account for New York City prices.
Saving for a Vacation
- Reaction #1 – "No problem. I've got that amount in my savings account already, or someone I know can give me the money."
- If you are someone who falls in to this boat, congrats! You are lucky! Enjoy your trip and have a beer for me!
- Reaction # 2 – "That's a lot of money! However, I might be able to save up that much if I plan ahead sufficiently."
- Reaction # 3 – "That's too much money! I'll never be able to save that or go on this trip without putting it on the credit card and making my debt balance increase."
- For a vacation that is coming up soon (less than 6 months) –
- Subtract your current liquid savings that can be used for a vacation from the budgeted amount you calculated in the previous section to obtain your vacation savings gap.
- Divide this savings gap by the number of pay periods you have until your vacation.
- Then, set up an automatic transfer from your checking to high-yield savings account each pay period for the required amount.
- If you are a chronic vacation lover (someone who likes/plans to take good vacations regularly – 6 months to 1 year away) –
- You will want to place saving for vacations as a regular item in your monthly planning. This would be similar to planned, recurring donations to charities that a lot of people do.
- If you fall in to this category, the best way to proceed is to decide on a portion of your pay that you are comfortable contributing to this savings goal (10% of each paycheck maximum, I would think), and then set up an automatic transfer for that amount each pay period to a high yield checking account.
- For a vacation that is a long time away (more than a year) –
- You can afford to save a lesser amount each pay period.
- This is the case for a trip to the Grand Canyon that I'm wanting to take sometime in the next 2 years or so as part of my life dreams and Purpose Focused Financial Plan.
- For this, saving (with the automatic transfer mentioned previously) approximately 3% of your after-tax, take-home pay should be sufficient.
Executing and Sticking to Your Budget During the Trip
- Keep the receipts from all of your purchases –
- Since you're out of your daily routine and may not have access to your online bank/credit card statements, keeping a hard-copy of the receipt from all of your purchases helps you to track your spending better while on vacation.
- Before heading out each day, have a "Reality Check & Budgeting Moment" –
- Each day, prior to venturing out on your vacationing activities, 1) add up the totals on all of your receipts from the prior days' spending using your cell phone's calculator, 2) record that sum somewhere readily accessible, and 3) archive the receipts you just tallied somewhere in your wallet or purse.
- The next day, you will repeat this process and add the new receipt amounts to the previous day's total.
- In my experience, by keeping track of the total you've spent each day, it will serve as strong mental reminder of how cheap or lavish you can be in your spending on the remaining days.
- Keep your budgeted meal costs in mind when approaching a potential restaurant –
- This is a simple technique, but also is very powerful and easy to forget if you are with a group of people representing a diverse range of budgeting levels.
- However, it's important to keep in mind the cost per meal for lunch, dinner, and breakfast that you budgeted for when planning for your trip and to avoid restaurants that force you to go above these allotted amounts.
- For example, I budgeted $20 per dinner per person for my NYC trip. If a restaurant was proposed for dinner that only had entrees for $30 or more on the menu, this would have thrown up a red flag for me to politely request to avoid.
- Lodging/Parking – Planned for $210, spent $248.
- Gas/Transportation – Planned for $100, spent $134.
- Food – Planned for $444, spent $328.
- Entertainment/Miscellaneous – Planned for $200, spent $44.
Concluding Remarks
How about you all? What favorite techniques do you use to either budget, save, or make sure you stick to your planned spending during a vacation?
What are the biggest hurdles you encounter during a vacation that cause you to go outside your budget (the people you go with, finding out about new activities, etc?)?
Share your experiences by commenting below!


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On the same page, Sarah Helm writes from Zagreb that the "Croat fighters despise the English and the French" ("Coach tour fails to hide the ugly truth"). She quotes a young soldier: "You are on the side of the Serbs. We know that from the Second World War. We can forgive but we will not forget." This is a more correct picture than the one painted by Marcus Tanner. Croatia declared war on Britain, sent troops to fight Soviets at Stalingrad and wholeheartedly collaborated with Nazis in Yugoslavia.
Aleksa Gavrilovic OBE
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Police: Man crashed twice, fled on foot after brake light stop
SULLIVAN COUNTY, Tenn. - A non-working brake light led to a police chase and a driver facing charges.
A Sullivan County sheriff's deputy tried to stop a Ford Fiesta on Fort Henry Drive to notify the driver of a broken light. As the deputy got out of the patrol car, the driver sped off.
He eventually turning on to Cedar Branch Road, where he lost control and crashed into a field; however, he kept going until crashing again, this time flipping the vehicle.
Deputies say the suspect got out of the vehicle and ran away, but they were able to catch and arrest him.
He's identified as 22-year-old Charles White. He's charged with reckless endangerment, as well as drug possession, after officers say they found a small amount of marijuana in the crashed car.


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I got Old Fashion Carpentry to removed a structural wall. I was a little worried at the start so Loui gave me three different options. All of them at a very reasonable price. I ended up choosing to go with a full removal of the structural wall and loui done a amazing job and ve..
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Home › Forums › Gear Forums › Gear (General) › Tarptent Squall 2
@blakteeLocale: Targhee National Forest
Ok, so I bought the Tarptent Squall 2. I pitched it in the backyard and went to work seam sealing it. The next day, the kids and I had a great time sitting in it as the sprinkler system tested out my work. (I must be a natural at seam sealing, no leaks!) I was itching to get it in the real world. So I was home alone last night and thought, lets take a quick run in the hills. I pitched late in the evening and it was super easy. Had it up in less than 5 min. I had to break camp at 4:30am to be to work by 6:30 so I took it down in the dark. Honestly, it can't get any easier than a Squall 2 or really much lighter for a 2 man tent. Backpacking is way more fun under 20 lbs!!!
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The Central Hotel, a well-established hotel situated in the heart of Golders Green, in a quiet location is only a short walk away from the local shops, bakeries, cafes, pubs and restaurants. Brent Cross Shopping centre is only a few minutes away using public transport. The hotel includes 30 en-suit...
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text: LCD versus CRT Displays: A Comparison of Visual Search Performance for Colored SymbolsJustin G. Hollands, H. A. Parker, S. McFadden, R. BoothbyHuman Factors2002Visual search performance for tactical symbols was examined with liquid-crystal (LCD) and cathode-ray tube (CRT) displays. Twenty-four adult participants (19 men, 5 women; mean age 41 years) searched for navy tactical display symbols on a map background. LCD and CRT displays of similar size and resolution (52 cm diagonal, 1280 x 1024 pixels) were used.… (More)


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|1,600 sq. ft.
|Property type
|Minimum Stay
|2 nights
The Alohahouse is a spectacular oceanfront property where you will experience breathtaking sunrises, cascading rainbows, dolphin & whale watching all from the comfort of your Hawaiian hale. The property is located just 30 minutes south of Hilo in a private community, Hawaiian Paradise Park, on one of the loveliest bays in East Hawaii where you can walk for miles and see nothing but pristine coastline and lush forest. This quiet and serene property has everything including a length of the house oceanfront covered and tiled lanai. Furnished island style with rattan and wicker, ceiling fans, color TV, CD stereo and washer/dryer. In November 2013, we have put in a BRAND NEW KItCHEN! We have just put in an oceanfront brand new 5-person spa for your pleasure!! We feel this is a wonderful addition to the home! This home is a great spot to set up base to discover the beauty of the East side of the Big Island. It is just a short dirve to Volcano National Park, Lava Tree State Park, Hilo, Kapoho Tide Pools, botanical gardens, zoo & more. Perfect for a couple or family. I have many repeat guests who love being so close to the ocean! Paradise calls!
The Alohahouse: The oceanfront Alohahouse property sits spectacularly oceanfront on the pristine Puna Coast in the Hawaiian Paradise Park subdivision just south of Hilo on the Big Island of Hawaii. This 3 bedroom, 2 bath home offers the vacationer an up close and personal ocean experience! You can't get much closer to the ocean without being in it! It lulls you to sleep at night and the sunrises are so incredibly awesome - you will want to get up early even if you are on vacation! In the winter months, you can hear and see the whales that come in quite close because the ocean is deep in front of the property. This is a great spot to catch fish from the bluff and cook right on the barbecue!
Decorated island style with rattan furnishings and overhead ceiling fans in all the rooms, the home stays very comfortable all year! Sometimes you might even need a sweathshirt in the winter months! This home is centrally located and it is just a short drive to Volcano National Park, the Kapoho tide pools, and Hilo International Airport. The location is superb for the traveler wanting to set up base for the ultimate Big Island adventure. The oceanfront lanai is the place you will probably want to hang out after your day trips!
The BRAND NEW kitchen is fully equipped with all your dining needs, all linens are provided, along with soap, and laundry detergent (you won't have time for that though!) There is also an outdoor hot shower to rinse off after surfing, swimming, snorkeling, or hiking the volcano. We provide a cooler for your day outings too!
The cottage on the property is currently long term rented.
Activities:: From the oceanfront lanai you can sun bathe, dine and watch the sea turtles, dolphins and whales frolic. Explore the coastline tide pools or fish off the bluff. A short distance from blacksand beaches, hot ponds, waterfalls, golf, kayaking, Volcano National Park, shops and restaurants. Swimming, surfing, diving, fishing, snorkeling, or relax at nearby Isaac Hale Park, Pohoiki Bay, MacKenzie State Park, Puala'a Warm Springs, fabulous Kapoho Point, Kalani Honua Culture Center. Shopping, banking, medical facilities, restaurants, etc. in nearby quaint Pahoa Town. Have the best of both worlds: peace and serenity combined with as much activity as you feel like! Olympic size swimming pool in Pahoa (free!), fine restaurants in Hilo, Pahoa, & Keaau! Be sure to catch the Makuu farmers market on weekends, or the Hilo farmer's market! And we find 'Uncle Robert's' In Kalapan a fantastic way to have dinner on Wednesday evenings. It is located at the end of the 'Red Road,' Highway 137 in Kalapana. We find it's better than a luau with wonderful Hawaiian musicians, arts, crafts, many local food vendors. This is a must on your list of things to do in East Hawaii!
If this home is not available for your dates, please check out my other vacation rentals on this website, listing number 304974 and 312290.The Pualani Home in Kapoho is a wonderful place to stay as well and sleeps a maximum of 4 guests! Oceanfront Hokulani Kai is exquisite!
We love the Big Island of Hawaii and try to visit as often as we can. We live in beautiful Morro Bay, California, where we do property management. Our hobbies and interests include swimming, bicycling, traveling, concerts, water skiing and enjoying our son and our daughter who live nearby.
Pat Starkie purchased this house in 2004
We fell in love with this home because of its proximity to the ocean and the feeling of being on the 'edge of the world.' The air is so pure here and the night sky is star-filled. This is a very special place!
This is the place with the very HIGH RELAX factors. With the oceanfront length of the house lanai, you can watch the waves with the dolphins, turtles, whales in the winter months, for hours! You can catch fish off the bluff and cook it right there on your built-in oceanfront barbecue. Just a short drive to town for groceries, and a great place to come back to after day adventures to Volcano National Park, botanical gardens, farmer's markets, snorkeling in Kapoho, and so much more!! Paradise Found!
This is a place to get away from the hustle & bustle of frantic life on the mainland. The pounding of the surf, croaking of the frogs, cooing of the doves offer soothing comfort and relaxation. Turn off your cell phones and laptops and ENJOY! Don't miss the ice cream at Mauna Loa Mac Farm.
Since we have stayed in both Pat & Andy's homes, we can't pick a favorite - the causal calm of Pualani in Kapoho and wonderful pounding of the surf at the Dolphin Bay are both great! Hawaii is now a preferred destination.
We are a hula halau that stays in the beach house when we come for the Merrie Monarch Festival. It is a special location for us!
Not much to add to the other positive reviews - we had a great time here and highly recommend it!
Truly oceanfront. The view was spectacular. The house had lots of space. The condo manager was very helpful. The outdoor hot tub was divine. Just push the button to start the whirlpool and jump in! The beds were comfortable enough. Need to run the faucet a little while to get to hot water.
The interior was a bit outdated. And because of the wet weather of Hilo side, there was a musky smell. But we got used to it very quickly and grew to love the place. The internet was way too slow. It was hard to upload pictures to the cloud. And the phone connection was a bit spotty at times(we had T-mobile).
The waves were spectacular, too. You could not only hear the waves, see the waves, but also feel the waves through your entire body.
We had a wonderful time. The house is lovely with the best view you can have. Love it here. I will be back soon.
This place is every bit as beautiful as indicated by the pictures. Working with Pat was great -- helpful and available via phone for questions, and has lots of ideas and suggestions for local spots.
Get yourself to the island / pack up some groceries in Hilo and head to your oceanfront hideaway. The house is nicely appointed with a comfortable living area / kitchen and three bedrooms. Open up the windows and let the gentle tropical breeze in. No AC but we did not find that at all an issue. The patio is a great place for meals as you have 180 degree ocean view. The kitchen is decently appointed to allow you to cook meals as you wish. Bring drinking water if you are at all nervous about the catchment in use - it is filtered and so should be just fine, but go with whatever makes you comfortable. Catch a beautiful sunrise from the master bedroom. Put away the electronics and just experience the beauty before you.
Although it feels as if you are far away from everything, the things you may want to do are actually pretty close. Grocery stores are 10-15 minutes away for those things you forgot :) We also enjoyed the Kapoho Tidepools -- go online (Yelp or other) to confirm how to get there as your map may lead you to the wrong place. Obviously you are within good proximity to Hawaii Volcanoes National Park. Good roads and just over an hour drive. We love hiking the KIlauea Iki Trail and the drive down to the Holei Sea Arch. So many climate changes -- from hot sun to fog to pouring rain and back to warm and breezy! Too many opportunities for swimming/snorkeling exist, but we found a good day at Carlsmith Beach Park in Hilo where we got to meet Ono the sea turtle. Recommend water socks as there are sharp rocks if you explore the bay. Great lunch at Puka Puka, a small local place with ahi caught and served same day. Grab a shave ice after and wander the downtown shops.
End your last day by taking "just one more" photo of the beauty seen from the patio. We had a great time at Alohahouse and believe you will as well!
Located just 20 minutes south of Hilo on the beautiful Puna Coastline in Hawaiian Paradise Park. This beautiful oceanfront property is a great starting point to discover all that the East side of the Big Island has to offer. It is only 20 minutes to the Kapoho Tide Pools for snorkeling and Ahalanui Hot Pond on the ocean's edge, 20 minutes to Hilo, 40 minutes to the Volcano, 10 minutes to Pahoa, Lava Tree State Park.
|Rate Period
|Weekend Night
|Monthly *
Spring 2017
Mar 21 2017 - Jun 18 2017
2 night minimum stay
|Notes: Rates are based on 2 guests; add $20 per night, per additional guest
Summer 2017
Jun 19 2017 - Aug 20 2017
2 night minimum stay
|Notes: Rates are based on 2 guests; add $20 per night, per additional guest
Christmas 2017
Dec 18 2017 - Jan 15 2018
2 night minimum stay
My Standard Rate
2 night minimum stay
|Notes: Rates are based on 2 guests; add $20 per night, per additional guest
|$120 + Tax
|Refundable damage deposit
|Tax Rate
Hawaii Tax ID #W51759221-01
Please note we have another property - 304974.
Cancellation Policy: Please Read Our Policy Carefully...
• If you cancel more than 60 days ahead, we will refund your deposit less 20% handling fee. If you change your reservation at any time, there will a $50 bookkeeping fee incurred.
• If you cancel within 60 days of arrival, we will refund your balance only if the unit can be re-booked less 20% handling fee.
• We encourage you to purchase trip insurance as unforeseen events beyond your or our control can affect travel plans prior to or after your arrival. We will always try to reschedule a booking whenever possible.
* Approximate monthly rate. Actual rate will depend on the days of the month you stay.