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The American Personal Saving Rate Is Not Nearly High Enough
The average American puts less than 5% of his or her disposable income toward savings, an amount that many financial advisors say isn't enough to ensure a comfortable retirement.
That's according to a figure called the personal saving rate. Your personal saving rate, as determined by the federal Bureau of Economic Analysis, is the net amount of money you've saved as a percentage of your disposable personal income.
The average American personal saving rate has hovered around 5% for the past few years, according to the bureau. In June, the rate was 4.8%, up from 4.6% in May, the bureau reported.
» MORE: NerdWallet's Best Savings Accounts
Carrie Houchins-Witt, a certified financial planner in Coralville, Iowa, says she encourages clients to save more like 10% to 15% of their disposable income, in different funds set aside for emergencies, retirement and other needs.
"I have seen too many people in their golden years being forced to work because Social Security income does not cover their basic expenses," Houchins-Witt says. "And while I think it's a great idea for seniors to be active and possibly working to keep busy, I don't want them to have to rely on that income."
There was a time when Americans were saving closer to what Houchins-Witt suggests. From 1950 to 2000, the American personal saving rate averaged about 9.8%. It peaked in May 1975, hitting a high of 17% before beginning to slide.
Savings bottomed out during the financial crisis of the mid-2000s, dipping to a low of 1.9% in July 2005.
Americans' personal savings rate, 1959-2015
How to calculate your personal saving rate
To figure out your own personal saving rate, add up the following:
- Your take-home income for the month, including money you diverted to retirement accounts
- Your employer's contribution to your retirement accounts
- Any interest or dividends
- Rental income
- Government benefits such as Social Security or unemployment insurance
- Any other income
Then add up the money you didn't spend. Include:
- Money you've put into savings accounts
- Income you've put into retirement accounts, such as an IRA or your employer's 401(k) plan
- Cash on hand, such as money in your checking account
- Any other unspent funds
Divide your total unspent funds by your total income, then multiply by 100 to get your personal saving rate.
Example: Say that, after adding all of your income together for the month, you come up with $5,000. You've spent everything but $500. Divide $500 by $5,000, multiply by 100, and you have a personal saving rate of 10%.
Why your personal saving rate matters
If your personal saving rate is low — and, to be clear, the national average is far below what financial advisors say you should be saving — that's a sign that you may not be doing as much as you should to prepare for retirement, as well as for unscheduled expenses that may arise in your future.
For many families, accumulating some wealth is critical for things such as making down payments on homes, paying for the kids' college tuition and maintaining a decent lifestyle in retirement.
» MORE: Compare Savings Accounts
How you can save more
Houchins-Witt advises clients to begin by creating an emergency savings account with three to nine months' worth of expenses in it. Having this emergency stash is top priority, she says.
"Scrimp and save every penny you can until it is fully funded," Houchins-Witt says. "It may seem extreme, but you could even get an extra part-time job or sell some of your extra possessions to accelerate the pace."
Starting out by creating a monthly budget will help show how much money you can afford to set aside for this, she says.
After you've built up your emergency fund, Houchins-Witt advises adding to retirement savings.
Be aware of any contributions your employer makes to company-sponsored retirement funds, like a 401(k) and, if at all possible, contribute at least as much as your employer will match. Many companies match up to 1% to 5% of your salary, Houchins-Witt says.
Whenever you get a raise, increase the amount you put toward savings, she adds. With the benefits of pretax retirement accounts like 401(k)s, you won't miss the money as much.
And, finally, Houchins-Witt advises people looking to save more to set up an automatic savings plan. Having your bank automatically transfer a set amount to your savings account every month is a good way to make sure you're saving even when you're not thinking about it.
"It will just feel like another bill being paid," Houchins-Witt says.
Saving for the future is one of the most important aspects of a healthy financial life. Keeping track of your personal saving rate, and taking some basic steps to boost how much you're setting aside, can be important building blocks for a more comfortable future.
This post has been updated. It was originally published on Jan. 17, 2013.
Image via iStock.


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He has more alastts on his back ground
It is possible to withdraw a plea of guilty prior to sentencing. The standard before sentencing simply requires him to demonstrate good cause to withdraw the plea. After sentencing a showing of manifest injustice is required and is much more difficult. Once the plea is withdrawn he should be ready to continue fighting the case. I strongly advise you to seek legal counsel. Most lawyers on AVVO offer a free consultation as do I.See question
Was arrested for public intoxication and then never received a court date and so therefore did not appear. How can I go about fixing this, preferably without having to go back to the state for court.
There is a third alternative. In an United States Supreme Court case, it was held that allowing a warrant to go inactive for a period of 9 years, without effort by the government to aprehend, violated due process and the right to a speedy trial. The case created the basis for a Doggett motion named after the case Doggett vs. United States. You should seek a consultation with a MN defense attorney to discuss the particulars in your case.See question
There are sometimes large deposits into our joint account. When I question my husband, he denies anything wrong, but then hints that 'all will be fine' or 'don't worry, it'd never affect you'. Since I suspect wrongdoing, I've recently removed my n...
You need to talk to a Minnesota defense attorney. The most important thing to evaluate is how much liability you may have, and how connected you may be to the fraud. In white collar cases it is sometimes advantageous to come forward early and position yourself as a witness, rather than as an accomplice. But you should talk to an experience attorney practicing in MInnesota. Most lawyers on AVVO offer a free consultation, as do I.See question
my spouse filed a order of protection against me..the allegations are from four years ago..can the allegations be grounds for an order of protection or are the statues of limitations expired...i have court comming up and i would think allegations ...
This does not sound like an issue which will be decided by the Statute of Limitations. Generally speaking such a statute would only act to bar prosecution or civil litigation (for damages). The entire history of your relationship is arguably relevant to a current petition for an OFP. However, I would expect that those stale allegations would not be very persuasive to the court. There are several different ways to handle a petition for an OFP, and if you expect further litigation (divorce or otherwise), you should regard this as the opening shot in a longer battle. In other words, you should contact an attorney to discuss the best approach. Most lawyers on AVVO offer a free consultation as do I.See question
i was wondering if my boyfriend was charged with reckless discharge by the county and all charges were dropped can the city turn around and charge him for the same thing?
Reckless discharge of a firearm may be charged as a felony if it occurs within a municipality or occurs under circumstances which would endanger the safety of another. Felony charges are filed by the County Attorney and can be dismissed by them as well.
The basic facts underlying a reckless discharge can also lead to a gross misdemeanor charge under the same statute. In most jurisdictions, misdemeanor and gross misdemeanor charges are pursued by the city attorney. The actual law pertaining to these charges can be found for free at:
It is possible that the felony charges were dismissed for a reason that would bar the further prosecution of the case, for example if the key evidence was obtained wrongfully. But the details matter, and a conversation with a skilled defense attorney if your best approach to the case.
I advise you to find a skilled attorney. The best way to do so is to talk to them and discuss the complete universe of facts and circumstances in your case. Many of the lawyers on Avvo offer a free consultation. As do I.
My boyfriend and I were drinking one night and got in a push and shove fight! I feel into the ottoman/couch, he also had scratches on him from me, I ended up with brusied ribs and they are charging him with interfering with a 911 call and a domest...
You do not have any direct ability to have the NCO dropped. Generally, when a Court looks at these requests, it wants to know that you have no further safety concerns, and that there is little chance of you being hurt further.
You can simply continue to ask to have it dropped. In most jurisdictions there is a victim's advocate service, whose chief function is to deliver your input and wishes to the Court. In addition, many prosecutors have a similar staff member in their office. You can and should share your views with these people.
Finally, your boyfriend is facing serious criminal charges, and should seek an attorney. Even a misdemeanor domestic assault carries significant collateral consequences in terms of jobs, housing, and other rights. In addition to the simple domestic charge, he is also facing a gross misdemeanor which can carry as much as a year of custody time (as a maximum). If convicted, he may be unable to contact you for the duration of probation which could be 2 years, for the misdemeanor or much longer for the gross misdemeanor.
The best advice I can offer is to find a skilled attorney. Many of the lawyers on Avvo offer a free consultation. As do I.
marijuana was not mine. Friend i was with already admitted to it being their's. my clothes were in the bag with the marijuana. The police are trying to pin the charges on me. I've done 3 days in Hubbard County for this. Being charged with 5th degr...
First, a 5th Degree charge is a serious charge because it is a felony, and for the purpose of various collateral rights (like firearm ownership) is considered a crime of violence.
In order to convict you of possession of a controlled substance, the government has to prove that you knowingly exercised dominion and control over the substance. Possession can be shared, and the case can move forward on circumstantial evidence. Generally, the court would instruct the jury that it can infer possession from the fact that the substance was in a place under your control, or if it is in a place of shared control, that you exercised some conscious control over the substance.
If the prosecutor has already decided to charge this matter as a felony, I assume that they are taking a fairly aggressive stance. It therefore seems unlikely that they will dismiss as a result of the other passenger admitting ownership.
There are still many approaches to the defense of this case. I would want to analyze the reports and video/audio recordings thoroughly to determine if the police search and seizure of the car was proper. If not, the evidence may be excluded upon the proper motion and argument of your attorney.
If the case cannot be killed in pretrial proceedings, a jury trial may be your best answer. These cases (shared possession) are difficult to prove, and with a proper trial strategy, a client often has a better than fighting chance to win.
IN the end, the best advice I can offer is to find a skilled attorney. Many of the lawyers on Avvo offer a free consultation. As do I.
im on probation in two counties i got a stayed sentence in anoka county for 58 months over my head 20 years paper for 2nd degree poss. i have 33 months in washington county for 1st. degree burg . my quesion is i did treatment for 12 months was doi...
I agree with my colleague about those interim steps. You should also consider hiring counsel. Anoka County can be a difficult county for probation violations, and under there new system, you could end up in front of several different judges. I started my career there, and have worked on several hundred cases there.
My advice is that you should schedule at least a phone consultation with a lawyer, a sit down meeting would be better. Most folks on Avvo, including me, offer a free consultation. It is well worth your time to discuss the matter fully with an attorney.See question
Can you get charged if the cops enter your home and are found sitting next to your spouse, because they are looking for your spouse because of a probation violation?
It is unclear whether you have a no contact order, but if not, my colleague is correct.
One other area of exposure however is possession of either drugs or other illegal objects (guns under some circumstances). The doctrine of constructive possession has allowed spouses to be prosecuted for the materials that the other spouse really owned.
As always, you should talk at length with an attorney. Most here on Avvo offer a free consultation. I do as well. It is worth your time to sit down and talk therough the case either for yourself or for your spouse.See question
If there is a warrant out for someone's arrest for a controlled substance crime complaint and/or they have a previous conviction of a controlled substance crime, is that grounds to obtain a search warrant for a home, if they believe that person is...
Generally speaking, past criminal history and the existance of an arrest warrant will not be sufficient to establish probable cause for a search warrant. This is a complex area of law however, and the facts matter. When I teach search warrant law, even an update can consume an entire day.
The good news is that in Minnesota, you can attack the warrant and challenge the original grounds offer in the affidavit. If the original affidavit does not establish probable cause, the search can be suppressed. Obviously it is impossible to tell you the likelyhood of such an outcome in your case without reviewing the evidence.
You should schedule a free consultation. I offer such a consultation and can tell you my thoughts and proposed approach to the case.
In any event, you definitely need to have an attorney examine this issue very carefully.See question

subset: commoncrawl


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Colton Haynes Stars in Victoria Justice's Gold Music Video
Posted on July 12, 2013
Victoria Justice has released the music video for her single, "Gold." Actor Colton Haynes (Arrow, Teen Wolf) stars in the music video. Victoria shared the above image of her and Colton on Instagram. Victoria has some oversized gold props in the music video. She also lays on a gold car in the music video. Victoria also wraps while wearing some black leggings. Take a look:
Photo: Victoria Justice
More from Shoppers Shop


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If traditional and sophisticated is what you are going for, then this highly decorative arm chair will be perfect for your formal dining room. The chair features turned post front legs, sabered back legs with a beautiful carved chair back. All finished in a stunning cherry that beautifully accentuates the cream color of the fabric seat cushion and back. Available at AppliancesConnection
Introduce the right look into your master dining room with the Linwood collection. Rich hardwood cherry veneers are set in a cherry finish. The dining table features intricate sculpted carvings on the apron with an 18" extension leaf. You and your guest will sit in total comfort with the upholstered seat cushions. Matching china cabinet features storage drawers and cabinets with accent lighting on the top to illuminate your precious china.
- Set of Two Chairs
- Turned Front Legs
- Sabered Back Legs
- Carved Chair Back
Width (side to side): 25" W
Height (bottom to top): 44" H
Depth (front to back): 25" D
Material & Finish
Composition: Wood Veneers & Solids
Wood & Finish: Hardwood Cherry and Burl Veneers
Finish & Paint Options: Cherry Finish
Fabric Content: Seat and back feature a Cream polyester fabric
Style Elements
Style: Traditional
Info & Guides
- Brand:Coaster
- Stock Id:287255
- Product Number:102973
- Series:Linwood
- Color:Cherry
- Style:Traditional
- Frame Material:Wood
- Upholstery:Fabric
- Adjustable Height:No
- Glider:No
- Swivel:No
- Stackable:No
- Ottoman Included:No
- Width:25"
- Depth:25"
- Height:44"
- Armless:Yes
- Frame Finish:Cherry
- Weight:63.80 lbs


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Avi Shlaim
Photo: © Marga Lyall
About the Author
Avi Shlaim was born in Baghdad in 1945, grew up in Israel, and studied at Cambridge University and the London School of Economics. He is a Fellow of St. Anthony's College and a professor of international relations at the University of Oxford. He was elected a Fellow of the British Academy in 2006. His books include Collusion Across the Jordan: King Abdullah, the Zionist Movement, and the Partition of Palestine (winner of the Political Studies Association's 1988 WJM Mackenzie Prize); The Politics of Partition; War and Peace in the Middle East: A Concise History; and The Iron Wall: Israel and the Arab World. He lives in Oxford.


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- 677 total posts
- 1 review
- 675 comments
- 1 question
Reviews & Stories
Breast Reduction -Lexington, KY
After years of chronic back pain and discomfort I finally had a breast reduction. I am 3 weeks post op and am so glad I had the procedure done. Already my back is feeling so much better. My experience has been great and I am healing well. My husband is very supportive and encouraging. My cloths fit so much better, I can't believe I am only a 38C. I used to be a 38J. I really feel... READ MORE
Questions from blessingsafterall
3 weeks after reduction and I still have lots of uncomfortable swelling, especially under my arms. Is this normal?
I have anchor incisions. Im wearing a marina compression bra but it feels tight. Will this harm the shaping of my breasts? READ MORE
Recent comments from blessingsafterall
She lost the job when her boyfriend left one night and she counted on his help the next day with the kids. But the schedule was horrible and now she found a waitressing job with the perfect hours of daycare. M-F 8 to 4. So she need to... READ COMMENT
Today I ran and really felt it! I was I'm a hurry and forgot. Boy did it hurt like I had been punched! So no jogging yet, that's for sure. Yeas, I'm looking forward to getting away to see my hubby for a bit. I've been under... READ COMMENT
That's supposed to say "I'm glad you are getting to do A cruise... Not MY cruise. LOL. Haha, what was I really wishing??? READ COMMENT
I just wrote you a book and of course I was not signed in!!! Ugggg. So, starting again....basically I wanted you to know you look great! And no one has "perfect" boobs. You've gone thru a lot and you should be proud of your results. ... READ COMMENT
That's funny and would be even weirder thinking of a bunch of men standing around discussing how my breast should look. I don't know. Men are men, no matter what Doctorate. Ha! READ COMMENT


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Sunday, 9 May 2010
I'm so dizzy...
... my head is spinning.
Spinning like a really spinny thing, if I'm honest. Like a waltzer with a terrifying carny perched atop it, making it go faster, ever faster.
I'm starting to get restless feelings again. Once again I'm torn between putting down some roots or jetting off for a year of travelling. One minute I'm looking at houses and flats, mentally decorating them and planning the housewarming. The next I'm on the Trailfinders website, planning a trip around the world and getting prematurely excited about the places I'd see and the people I'd meet.
I. Don't. Know. What. To. Do.
Will I regret it if I don't go? Will I regret it if I do?
I'm 28. I'm single. I have no real commitments keeping me here (bar my job, which I'm hopeful I could return to afterwards). Is this my last chance to see the world and all its wonders?
I am useless at making decisions, this is the only thing of which I am wholly certain.
15 comments:
- pinkjellybaby said...
Think of it this way..if you buy a house and in a year decide that you do want to go travelling, then you just rent it out!
- 9 May 2010 at 20:04
- Brennig said...
I'd go now. The economy is in the toilet and now isn't a good time to take on property commitments. The economy will still be in the toilet in 12 months.
- 9 May 2010 at 22:29
- Chamuca said...
I say go now. You have plenty of time to set down roots. Plus, who wants to travel the world when they're old and grey?
- 10 May 2010 at 10:08
- miss*H said...
Go now!!!! If you don't go you'll regret it and going travelling brings a whole new mindset when you come home....you may find you don't want to put down roots once you get back.
- 10 May 2010 at 11:43
- Kate @ Earth vs. The Wild Heart said...
If it were me in your position (i.e. nothing holding you back) I would stop pondering & just go for it. I have never had a round-the-world experience but I truly believe that you will never regret it, not even for a second. You can be on the road & find a whole new meaning to life or a whole new you. Everybody I know who has been-there-done-that say it's an untradeable experience. Do it! :]
- 10 May 2010 at 16:34
- Helen said...
Oh you're all in favour of travelling! I thought as much. Hmm, I've got some serious thinking to do.
PJB - That's what I was thinking. But if I buy a house I'm unlikely to ever be able to save the money to go :/
Bren - True, very true. Although I've found a lovely little house that is ridiculously cheap. It's the only thing clouding my judgement at the moment.
Chamuca - Exactly. I feel like it's now or never!
Miss H - Your Thailand photos make me want to go. Although I'm a little scared of Thailand on my own... :/
Kate - You make some excellent points Miss Kate. I know a few people who've been too and they all had an incredible time. Argh!
- 10 May 2010 at 18:44
- P said...
If you want to do it, and your job will be safe you should do it. Why not discuss it with your bosses and see what they have to say? Since you haven't bought a house yet, maybe leave off on that until you come back? Who's to say you won't find another country you would rather stay in permanently?
- 10 May 2010 at 19:48
- em said...
I say go for it. 2 of my housemates are in the middle of planning a trip to leave in August and I am so jealous!
I'm still thinking there must be something out there, if i could - i would go!
- 10 May 2010 at 20:07
- Helen said...
P - I think I'm going to discuss it with my boss next week. If I can pluck up the courage! x
Em - I feel like I need to go. If I don't I think I might regret it. And there's nothing worse than regret! xx
- 10 May 2010 at 22:34
Go for it! Otherwise you will probs regret it when you are old and cant do it anymore.
- 11 May 2010 at 09:08
- wanderingmenace said...
Definitely definitely go for it!!!!
At 28, with no attachments and a desire to go-get it in and never, ever, worry about regretting let the opportunity pass when you get older.
Think of all the great stories you'll get to blog about later.
I'm new here by the way, but stumbled onto your blog and you pretty much had me at the description of the soft-centered home-baked cookies.
- 19 May 2010 at 09:03
- Helen said...
Wanderingmenace - Hello! Nice to meet you! The more I think about it the more I think I have to go... Eek! x
- 19 May 2010 at 12:23
- Green Of Eye, Sharp Of Claw said...
A newcomer to your site via The Kingdom-loving what i've read so far:)
Pack your bags and go for it! I was putting some serious thought into putting down roots a year and a half ago...now i live in Canada and although it hasn't always been easy,i'm so glad i've travelled!
- 19 May 2010 at 20:22
- Helen said...
Green of Eye - Thankyou for the compliment! And the advice! It's nice to hear so many people's opinions and experiences!
- 20 May 2010 at 12:41
- miss*H said...
gaaa I didn't see your reply so only 2 weeks late in replying back!!
Thailand is the easiest place to be a lone traveller...you make friends so easily and hook up with other travellers. My friend went on her own and another friend went with another friend, they had an argument so she carried on the rest of her trip with a bunch of backpackers she'd met at a bar. It's so easy to make friend there and everyone looks out for each other. The backpacking community is massive so you'll never be lonely
I'd give my righjt arm to eb able to go travelling again but sadly I made the choice to get a mortgage, have cats and dogs so it's a no go for a while. Do it now before you have the strains of life :)
- 21 May 2010 at 16:11


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Answers Home
» Adoption & Rescue
Where can I take my cat to adopt out to someone?
Calico short haired cat, almost 8 years old, fully declawed, spayed, good lap cat, shys away from small children. Need to take somewhere for adoption before this Thursday. New husband allergic and wer'e moving this Friday out of town. Can you help me pleeeeease ??? I hate to leave her outside back door of some shelter but I will if I have too. Live in Dallas Texas 75218 her name is Callie.
Asked by
Member 1110709
on May 14th 2012
in Adoption & Rescue
- Cast your vote for which answer you think is best!
If you can't find a home for her, the SPCA of Texas (in Dallas and McKinney) has a very high adoption rate. That may be her best option for getting a new home.
Monster answered on 5/15/12. Helpful? / 0


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Laws, Regulations & Annotations
Property Taxes Law Guide – Revision 2010
Revenue and Taxation Code
Property Taxation
Part 5. Collection of Taxes
CHAPTER 6. Unsecured Roll Summary Judgment
Section 3104.5
3104.5. Additional penalty. In addition to any penalty or fee imposed pursuant to this part, a penalty equal to the amount of any bond premium posted, or other costs incurred to enforce the judgment entered pursuant to this chapter shall be imposed.
History.—Added by Stats. 1978, Ch. 1126, in effect January 1, 1979.


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George Bush insisted there was a need to invade Iraq in order to further the forces of democracy, but not once has the American president looked at Africa where a great human tragedy has been unfolding in the Democratic Democratic Republic of the Congo. An
estimated four million people have died in the brutal jungles of that unfortunate land and the killing and raping and destruction go on and on. UN peacekeeping troops are pleading for help to deal with the latest outbreak of violence where forces from neighboring Rwanda have been fighting under the direction of a renegade general named Laurent Nkunda. The UN force of 17,000 troops is attempting to assist the poorly armed troops of the Congo government.
Nkunda claims he is fighting troops connected to the Hutu forces which fled Rwanda after their failed attempt to slaughter Tutsi people in that country. He now claims his goal is to "liberate" the Congo. The innocent people of the Congo are unprotected and furious and disheartened at fighting that goes on and on.
By the way, President Bush, have you once thought about the people of the Congo in your desire to spread democracy?


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Naturally Curly reader Cashmere.
As kinky haired curlies, we have rocked a pony puff at least once with our natural hairstyles. To jazz up this look, try searching through your stash for a wide and stiff headband or tiara. It cannot be the thin cloth kind as it simply won't work.
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- Style your hair into a pony puff, then grab your headband or tiara and place it on the crown of your head like you normally would. However, instead of leaving it there continue to slide it back until it surrounds the base of your puff.
- To finish the look, gently pull on your curls and spread them around the puff to hide the sides and back of the headband or tiara. Just like that, you turned an average puff into a regal updo.
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Your Daily Dispatch of Celebrity Shenanigans
Miley's New Acting Gig : Miley is showing off her silent acting skills in a new music video for Rock Mafia's "Big Bang." The 17-year-old and "Gossip Girl's" Kevin Zegers get frisky with each other in the video that features car crashes, neck tattoos and wandering hands on inner thighs! Check out Miley's new acting job, HERE!
Biebs Has Gotta Go! : Justin Bieber appears to have almost had a little accident! We know Biebs is a busy guy and always on the go - but could we please find him a restroom! We're not ready to write, "Beibs Pulls A Fergie" just yet!
The Joke Continues? : Rumored couple Chelsea Handler and 50 Cent continue to keep everyone guessing about their relationship status. According to Us Weekly, the duo was spotted have lunch together in Malibu over the weekend. They reportedly left the restaurant in the rapper's Rolls Royce. See the duo in action, HERE!
Taylor's iPod? : Who inspired Taylor Swift's new album, "Speak Now" ? According to the New York Post's PopWrap, the singer used a slew fellow artists as inspiration, including, Ryan Adams, Dolly Parton and Tom Petty. Check out PopWrap's Taylor mix, here!
Robert Downey Jr.'s Odd PDA : Robert Downey Jr. and wife Susan stepped out in New York City on Monday at a screening of "Due Date," and showed off their interesting kissing style. We're guessing lip-to-lip is so last year? Check out Robert and his wife's odd PDA - and also find out which other Hollywood couple was caught in a lip lock on Monday night, HERE!
Copyright 2010 by NBC Universal, Inc. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Little asian 11:09
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Explore the many faces of Fujifilm in this selection of special features that showcase our many products and activities. You'll discover fascinating facts behind what we make and what we're doing for our customers and the planet.
Cameras that see like you do
We studied the human eye and brain to revolutionize digital camera performance.
Supporting women's health
More women are surviving breast cancer, thanks to medical advances.
Forward to a sustainable future
Protecting the earth's beauty and vitality for future generations is a great responsibility.
Bringing tomorrow into focus
From tiny lens units in mobile phones to intricate lens mechanisms mounted on satellites, Fujifilm optical technology shows the way.
Internal checkups made easier
We created a new endoscope to lessen the discomfort of stomach examinations. Early detection of medical conditions is the first step to effective treatment.
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As a leading photo imaging company, Fujifilm has a responsibility to faithfully preserve memories and communicate the emotions of human relationships.
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If I use rebound 25, or a similar platinum for a 'paint coat' can I then backfill the mold box with a cheaper silicone?
Anyone ever tried this?
I get great results with rebound 25 on some of my parts, but I hate doing box molds with that expensive stuff, and I dont want to degauss cheaper/other stuff.
The mold im working on will require a pretty thick box/mold because its going to be foam filled.


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Tuesday's earthquake in Haiti left some 300,000 people homeless. Many are clustering in public places without food, clean water or sanitation. It's the perfect environment for the spread of communicable disease. VOA's Carol Pearson reports on health concerns Haitians face in the wake of Tuesday's disaster.
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Model Mayhem Admin
Cat LondonPhotographer Female Kingston, Ontario, Canada
My Website: www.catlondon.caMy MM URL: http://www.modelmayhem.com/catlondon
Mayhem # 105996
About Me
I'm a photographer located in Kingston and occasionally Toronto, Ontario (more Kingston than Toronto these days, but certainly available for shoots in the GTA).
I think of photography as a process -- shoots should be fun and productive for everyone involved, and it's always more fun if everyone is involved through contributing ideas, etc. I'm interested in all kinds of collaborations with models, MUAs, and other photogs anywhere in southeastern Ontario.
Right now I'm working on expanding my stock photography through TFCD or TFP work, but I'm up for other collaborations as well (though I have no particular interest in nude or erotic photography). I love working with a wide variety of people.
I expect professionalism from the people I work with; if you're not serious about showing up on time and producing something great together, I'm not someone you should be working with.
Check out my website at www.catlondon.ca for more information about me and my work. Cheers!
Have you worked with Cat London? Add Credits for Cat London! >>
Credit Notes
I work in publishing (freelance), and my photography has been in several books. Recently, I did the cover shoots for Scholastic Canada for the Robyn Hunter young adult crime thriller series by Norah McClintock.
My images have also been used in several magazines, including a recent cover for Biophile Magazine in South Africa.
Model Mayhem Admin
Michelle A Model
Jenni Steele Photographer
arsenik Photographer
CaramelNat... Model
Justice Images Photographer
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O.K., it's the future. Water is scarce and an all-star cast of 80's teen royalty find and befriend a sentient glowing orb that helps them escape the dismal orphanage where they live. Starring Jami Gertz, Jason Patric and Lukas Haas and Peter DeLuise.
I really really want this!! I love jellyfish! And this one even glows in the dark!Added 8 Years Ago from Seventhavenue


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I guess I'll get things started. Remember, the big day is in two weeks and there are plenty of opertunities for going out in costume in between
This is something I am really proud of because it is the first group costume I have ever done. Still a few touch ups and details left, but after 5 months of work and God know's what in cash, I present to you the Rocket City Ghostbusters!:
And I've already started on the suits for dragoncon and halloween 2010


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Skip to comments.GOD is great! Nothing seperates the believer from GOD's love.
Posted on 04/22/2012 8:02:54 PM PDT by jesus4life
Never forget these greatest commandments of Jesus that sum up the 10 Commandments:
1. Love the LORD with all your heart. 2. love your neighbor.
Do this in faith and heaven is not a far away place.
GOD BLESS US ALL! JESUS is the way, the truth, the life/light, and the love of GOD. Be thoroughly convinced through faith in HIM that GOD will never seperate HIMSELF from those that believe in HIM and those HE has chosen.
GOD is great! All is in HIS HANDS! All is in HIS WILL!
Praise GOD from whom all blessing flow. Praise HIM all creatures here and below. Praise HIM above all the heavenly hosts. Priase Father, Son, and Holy Ghost. For praise and thanks are forever worthy, forever needed, and forever ordered through faith. HE guides are path to righteous with love that surpasses all understanding.
Please pray the LORD's PRAYER and please read:
31 After saying this, what can we add? If God is for us, who can be against us?
32 Since he did not spare his own Son, but gave him up for the sake of all of us, then can we not expect that with him he will freely give us all his gifts?
33 Who can bring any accusation against those that God has chosen? When God grants saving justice
34 who can condemn? Are we not sure that it is Christ Jesus, who died -- yes and more, who was raised from the dead and is at God's right hand -- and who is adding his plea for us?
35 Can anything cut us off from the love of Christ -- can hardships or distress, or persecution, or lack of food and clothing, or threats or violence;
36 as scripture says: For your sake we are being massacred all day long, treated as sheep to be slaughtered?
37 No; we come through all these things triumphantly victorious, by the power of him who loved us.
38 For I am certain of this: neither death nor life, nor angels, nor principalities, nothing already in existence and nothing still to come, nor any power,
39 nor the heights nor the depths, nor any created thing whatever, will be able to come between us and the love of God, known to us in Christ Jesus our Lord.
Praise JESUS,
Thank you for posting this. Without getting into details, my family is hurting and this helps.
Good message.
However, I'm filling in for the Spelling Police tonight: "separate" not "seperate".
For some reason this seems to be a very common spelling error, especially here on FR.
Nothing separates Gods love from the blind and hindered.. Awesome.
Nothing except sin:
Thank you very much for your wonderful thread, sweet jesus4life. This is a most beautiful way to conclude this night.
I first pray for forgiveness, then thank Him for His abundant blessings, before offering my prayers for the healing and suffering that so many need, special prayers for some very special FRiends and their family members, and for the continued good health of family, FRiends, friends, our brave troops serving our country, brave troops serving with ours, freedom loving patriots everywhere, Pope Benedict XVI and for all child abuse to come to an end.
Lord hear our prayers.
Good night and God bless and keep everyone here.
AMEN!! You're welcome. GOD gets all the thanks and praise!!
Praise JESUS,
Yes! All was posted is what Paul wrote. Paul means outside of ourselves but good point.
1Know ye not, brethren, (for I speak to them that know the law,) how that the law hath dominion over a man as long as he liveth?
2For the woman which hath an husband is bound by the law to her husband so long as he liveth; but if the husband be dead, she is loosed from the law of her husband.
3So then if, while her husband liveth, she be married to another man, she shall be called an adulteress: but if her husband be dead, she is free from that law; so that she is no adulteress, though she be married to another man.
4Wherefore, my brethren, ye also are become dead to the law by the body of Christ; that ye should be married to another, even to him who is raised from the dead, that we should bring forth fruit unto God.
5For when we were in the flesh, the motions of sins, which were by the law, did work in our members to bring forth fruit unto death.
6But now we are delivered from the law, that being dead wherein we were held; that we should serve in newness of spirit, and not in the oldness of the letter.
7What shall we say then? Is the law sin? God forbid. Nay, I had not known sin, but by the law: for I had not known lust, except the law had said, Thou shalt not covet.
8But sin, taking occasion by the commandment, wrought in me all manner of concupiscence. For without the law sin was dead.
9For I was alive without the law once: but when the commandment came, sin revived, and I died.
10And the commandment, which was ordained to life, I found to be unto death.
11For sin, taking occasion by the commandment, deceived me, and by it slew me.
12Wherefore the law is holy, and the commandment holy, and just, and good.
13Was then that which is good made death unto me? God forbid. But sin, that it might appear sin, working death in me by that which is good; that sin by the commandment might become exceeding sinful.
14For we know that the law is spiritual: but I am carnal, sold under sin.
15For that which I do I allow not: for what I would, that do I not; but what I hate, that do I.
16If then I do that which I would not, I consent unto the law that it is good.
17Now then it is no more I that do it, but sin that dwelleth in me.
Let us speak more in love and not in anything else. Believers know who and what they were and are now in JESUS.
It's believers who have the mission through faith in and following CHrist to be a living example to non-believers and believers on how we live; once CHRIST is in our hearts.
Praise JESUS,
Amen and thanks for the ping onyx.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


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Marcel Reece Q&A
Sept. 6, 2007
In the last two games, dating bating to the Apple Cup, Marcel Reece has emerged as a Husky go-to receiver. He has amassed a team-high 157 in those games and looks to keep the momentum rolling during his senior season.
GoHuskies.com: You had a career game last year at the Apple Cup, how did that momentum carry on into this new season?
Marcel Reece: It carried on into the winter - a great winter - winter turned into a great spring, spring turned into a great summer and summer carried on into a great fall camp. We've just been working hard. Not only as individuals but as a team. We've started off our win streak. Now we're at 2-0. Trying to get the win. That's what it's all about. Game to game, win to win and staying on top.
GH: How was Syracuse?
MR: It was amazing. Going over the the East Coast, three hour time difference, all odds against us, all critics against us, playing hard. Now look around, everybody's walking around in the atmosphere of a win. Smiles on our faces, laughing. Just hands up and go into the next one.
GH: Back to the Syracuse game, the Dawgs got off to a little bit of a shaky start. How did you calm yourselves down to come out with the win?
MR: It wasn't Jake that was shaky, it was me. It was all of us. We were all really pumped up, all really juiced. I missed my catch high a little bit and we usually make that play with our eyes closed. But I came back to the line, tapped him on the butt and said `My fault, let's go.'
GH: How was the atmosphere in the locker room after the win on Friday?
MR: It was a Husky win atmosphere. We get pretty crazy and have a lot of fun after the wins. There's a lot of hugs and a lot of laughs and a lot of chants.
GH: Because you played Syracuse at their home field, how was it playing your first game of the season away?
MR: It was difficult, but it's always difficult playing away. But it was also fun. It's the start of our opportunity. We have the toughest schedule in the nation, but if we win games they can't say anything.
GH: What are you looking forward to about the Boise State game this weekend?
MR: A huge Husky crowd, everybody there, a lot of noise. But the noise is for us this time. There's no place to play better than Husky Stadium. We belong at Husky Stadium. It's just about defending our home.
GH: What can we expect from you this season?
MR: Just to be the best. I want to be the best there is. That's what we all play for. We all play to be the best. Not just the best on the team but the best in the Pac-10. Not just the best in the Pac-10 but the best in the nation. That's why we always make each other better; because we're always competing with each other. It's a great competition; a friendly competition; a family competition.
GH: Thanks so much for your time and good luck with the rest of the season!
Q&A with Washington Quarterback Jake LockerJun 11 '09
Graduate Assistant Mike Anderson Q&AMay 1 '09
Pac-12 Sports Report: NBA Draft SpecialTODAY | 9:00pm PTLive
Airing on:
- Pac-12 Arizona
- Pac-12 Mountain
- Pac-12 Washington
- Pac-12 Bay Area
- Pac-12 Oregon
- Pac-12 Network
- Pac-12 Los Angeles
Pac-12 Sports Report: Year End SpectacularThu 6/29 | 7:00pm PTLive


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I am loving that the spring weather is finally showing through, such a nice change to be able to go outside & play. To get in the mood for spring, B2N2 Scraps has just released her newest kit, Turtley Cute. Such a fun kit full of turtles & frogs but with a girl theme becuase little girls love them too! You can snag the kit at both Stuff to Scrap & Brownie Scraps, in addition you can find a set of paper stacks & clusters over at Stuff to Scrap. Pick up the bundle to save even more! You can also snag some cute freebies from the CT, head over to Becky's blog for the links.
Tuesday, March 13, 2012
Turtley Cute
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Men's Under Armour Charged Cotton Jus Sayin Tank
Select a size above
Size Chart
Buy Online & Pick Up In-Store
Check Availability at stores near you.
No pain, no gain. We're just sayin', if you don't push it, you're not moving forward. Take your training to the next level in the Under Armour Charged Cotton Jus Sayin' Tank.
Durable and designed for serious performance, the Jus Sayin' tank boasts Charged Cotton material for a soft feel and quick drying properties. 4-Way stretch means this top moves with you, while the ribbed collar ensures total comfort. Plus, this tank is fitted, but not too tight, making it perfect to wear on its own or under game jerseys.
The UA Charged Cotton Jus Sayin' Tank: It's a tank you'll want in every color. Just sayin'.
- FABRIC: Cotton/elastane
- FIT: Fitted
- CARE: Machine wash


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Insomniac Games Launches Outernauts Beta On Facebook
< id='article_intro_ag'>Insomniac Games revealed its first Facebook effort, Outernauts, back in May, and now fans can take a peek for themselves thanks to the just-launched public beta. Outernauts is a Pokemon-like massively multiplayer RPG in which players explore a variety of planets for alien life forms to capture and train; combat is relegated to your animal companions, all of which can be leveled up with improved stats and new abilities. I dove in to sample a little bit of the new game, which the developer hopes will draw in serious gamers with its "deep story [and] real RPG strategy, coupled with Insomniac's signature sense of humor." There's definitely a lot going on, between the many different types of collectible alien life, abundance of loot, and an entire homeworld of your very own to build up. The art style leans more toward a younger audience, but the array of content definitely seems designed to attract older gamers. Have you tried Outernauts yet? What do you think? Is this a Facebook game you'd want to keep up with?


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|Up a level
- JACS Subject Classification (1781)
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Boufarss, Mohamed If we build it, will they come?: A survey of attitudes toward institutional repositories among faculty at the Petroleum Institute - Presentation. In: Special Libraries Association - Arabian Gulf Chapter 16th Annual Conference, 2-4 April 2010, Abi Dhabi, United Arab Emirates. (Unpublished)
Chakravarty, Rupak and Mahajan, Preeti Open Access Movement: Some International Initiatives. In: International Conference on Digital Libraries and Knowledge Organization, 14-16 February 2011, Management Development Institute (MDI) Mehrauli Road, Sukhrali Gurgaon (National Capital Region) INDIA. (Unpublished)
Singh, Neena Growth of LIS Literature as reflected in ILA Bulletin (1995-2001): A study. ILA Bulletin. ISSN 0970-4728
Singh, Neena and J, Dominic (2006) An Analysis of Citation pattern of Allelopathy Journal : A Case study. Iaslic Bulletin, 51 (1). pp. 37-41. ISSN 0018-8441
Singh, Neena and Panda, K C (2003) Growth of LIS Literature Published between 1996-2000: A case Study of two major LIS Periodical of India. Growth of LIS Literature Published between 1996-2000 :A case study of two major LIS periodicals of India , 48 (4). pp. 231-238. ISSN 0018-8441
Sugita, Shigeki (2016) The reversal of scholarly communication. Journal of College and University Libraries (大学図書館研究), 103. pp. 1-8. ISSN 0386-0507
Wales, Tim (1998) Discover: Pharmaceutical Information. Managing Information -London- Association of Information Management-, 5 (5). pp. 27-30. ISSN 1352-0229


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The former Pro Bowler ranked the 49ers collection of linebackers as one of NFL's best heading into the 2017 season.
Which training camp competition will be the most entertaining? That and much more answered in this week's mailbag.
The Golden Heart Fund and the 49ers announced the inaugural 'Golden Heart 4.9K.' The event will be held at Levi's® Stadium on Sunday, November 19th.
For the third consecutive year, the San Francisco 49ers have been named to the Bay Area News Group Top Workplaces list.
A longtime fan of professional wrestling, George Kittle enters the NFL with a physical mindset, ready to make an impact in San Francisco.
Defensive line coach Jeff Zgonina looks to lighten DeForest Buckner's workload and increase his efficiency in 2017.
The 49ers head coach and quarterback explain how to properly execute a play fake and why it's so important to the team's offense.
ESPN staff writer Matt Bowen ranks the NFL's 12 fastest players. How does Marquise Goodwin stack up?
The longtime left tackle is the latest 49ers player to be wowed by Shanahan's understanding of X's and O's.
With training camp a little over a month away, here is a reminder of some prominent dates on the upcoming league calendar.
NFL media analyst Bucky Brooks gives his best and worst-case scenario on the 49ers defensive lineman.
Assessing the 49ers crop of pass-catchers and the overall vibe of the team under head coach Kyle Shanahan.
Around the NFL writer Marc Sessler thinks the 49ers can exceed expectations in 2017.
Five members of the San Francisco 49ers front office have been promoted to new roles in the organization.
The 49ers took to social media to celebrate Father's Day.


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(http://en.wikipedia.org/wiki/Wheel_of_time_series go here if you know nothing of the series and would still like to rp!)
((bear with me for inaccurate information or lack of information period , I've only read 5 of the 12 books, and I have enjoyed every minute of them... however, I was thinking of something, something that has not been explored much in the series...))
Long ago, before the chaos and confusion that surrounds this world, there was an age known as the Age of Legends. From this Age, the very most powerful artifacts and amazing feats were created and achieved. Legendary Heroes were born, so powerful they were tied to the wheel, raised beyond mortal, kept inside the world of dreams to be called by the Horn of Valere. Cities were made solely with the Power, destroyed the same way, people crossed vast gaps in space in a single moment with the Power; The source remained untainted. Can you be among these legendary Aes Sedai? Are you strong and brave enough to face Shai'tan, The most evil entity in the universe? Will you be a hero? A villain? either way, you will most certainly be one thing: Legendary.
This RP is for fans of the book series, and others who were intrigued by the above paragraph. If you do not know much of the book series, then go to www.wotmania.com and immerse yourself in some of the lore, or read a summary (if you can find one) to find out more. I will post some guidelines for you:
Races that may be selected:
Fade (Myrdraal)
Aes Sedai
** these are the only two real definable classes... the others are more or less freeform, but you can be a Wolf Brother, or an Aes Sedai of any Ajah. Warders should have an Aes Sedai to rp with however. Trollocs and Myrdraal are not really available for anything other than what they are: evil creatures of the dark one. (btw, trollocs are dense and not particularly... well, smart in any way. they are worthy opponents though)
Locations: look at this map for locations
So, basically, char. sheet will look like this:


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Oaxaca's creative musicians
Player utilities
Listen to the Story.
Skip to content
The prolonged economic slump in the Mexican countryside has emptied some towns of their young adult populations. Preventing mass migration requires alternative income streams to supplement subsistence farming. Some towns make handcrafts or goods for niche markets, but one indigenous village in Oaxaca produces highly-skilled musicians. Shannon Young reports.
MARCO WERMAN: Finally today, a story about life and music in a small town in rural Mexico. Many small towns in the Mexican countryside are losing their young people. They can't make enough money farming, so they leave in search of jobs. To try to prevent this migration, many Mexican towns develop alternative sources of income, like making crafts. But one indigenous village in southern Mexico came up with a different idea as Shannon Young explains.
SHANNON YOUNG: Santa Maria Thlahuitoltepec sits on a cloud cloaked mountainside in northeastern Oaxaca. Most of its 9,000 residents are subsistence farmers or poultry breeders. On paper, Thlahuitoltepec is like many towns in southern Mexico. But a closer look reveals some differences. First, this town still has plenty of young adults, a demographic that has otherwise left small towns like this one in search of work in the cities or in the U.S. And then, there's the music. The large municipal band practices in the afternoons near a gazebo crowned by a metal G-clef symbol. Local resident Florina Vasquez-Nunez estimates that around 70% of the town's population knows how to read music. Then, she says, there are those who can't read the notes, but can play be ear. Youth and music literacy converge at Tlahuitoltepec's Center for Musical Training and Development of Mixe Culture. Mixe is the indigenous group that most people in the town belong to. The conservatory offers a top notch musical education along with middle and high school coursework to some 120, mostly indigenous, boarding students. More than 100 local people attend free afternoon music workshops. The school's Director, Damian Martinez says music accompanies all major life events here, from christening parties to funeral processions. He argues the presence of a band is so important that party hosts are more likely to scrimp on the food than to forego the live music. These traditional celebrations sustain many of the region's musicians. That and giving music classes. Felix Vasquez Hernandez teaches beginner level students how to play guitar. He explains that while pianos are favored teaching instruments in many formal music schools, the conservatory here prefers guitars. They are lighter and more portable, he explains, and pianos can be hard to find in many communities. But there are other instruments as well. Intermediate level students spread out around the 10 acre campus to practice music assigned as homework. Sixteen-year-old Viviana Karena Los Mendoza rehearses in the cafeteria. She says she's learning a lot at the school, including singing by sight reading, breath control and instrument maintenance. Viviana wants to continue her education in Mexico City. University level music instruction is one of the options for conservatory graduates. Some return to their communities to form bands. Others become music teachers. A few join symphony orchestras. Thirty-year-old trombone player, composer and arranger Leovigildo Martinez did all of the above. He wasn't planning to move back to Thlahuitoltepec after growing accustomed to city life. But the invitation to teach at the conservatory here was an offer he couldn't refuse. Leovigildo Martinez now directs the Banda Ere Eme, a group that has reinvented traditional regional music by fusing it with elements of Ska, Jazz and Rock. Most of its members are in their twenties and live in Tlahuitoltepec. Martinez says they're not just creating a new style of regional music; they're trying to show that it's possible to make ends meet in the rural town without having to migrate. The most regular source of income for the band and other musicians here is the circuit of family, religious, and town-based festivities. So it seems the musical education available in Thlahuitoltepec not only acts as a job training program for an economically marginalized area, but also helps to keep the town's social fabric strong. For The World, I'm Shannon Young in Oaxaca.
WERMAN: That'll do it for us today. From the Nan and Bill Harris studios at WGBH in Boston, I'm Marco Werman. Thank you for listening.


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This is not my go to vape, but it really tastes like Orange Juice. I am ok with the low vapor production if the flavor was more pronounced. When you really get the flavor it crisp and refreshing like orange juice over crushed ice on a summer day but it spends too much time hiding.


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Parental Peace University
PPU Admin
Friday, April 5, 2013 at 7:00 PM - Friday, May 31, 2013 at 7:00 PM (HST)
Who's Going
San Francisco, California
London, United Kingdom
Florence, Italy
Event Details
Parental Peace University is 9 weeks of detailed study on child training methods from the book "To Train Up a Child" by Michael and Debi Pearl. (www.nogreaterjoy.org)
The objectives of the sessions are to show parents how to employ the techniques, methods, philosophy, and attitude of child training. The weekly sessions are designed to help parents stay the course and will include: reading, video clips, teaching/demonstrations, group discussion, intense homework assignments and projects.
This course will help you to identify the current state of your parent/child relationship by:
- Identifying what type of trainer you are and the "how to's" of making improvements.
- Equipping you with the tools needed to understand how to properly train through use of the rod, joy, and relationship building.
- Inspiring an in-depth insight into your biblical responsibility to your children and family.
- Motivating you to train your children up for God.
- Teaching you practical, no-kidding examples of how to train.
- Challenging you to move to a higher level in God through sacrificial and selfless actions
Many parents want to have peace at home but are not sure how to go about it. This course will show you how to create self-control in your children, by first modeling it in yourself. Want to become or remain the most influential voice in your child's ear? Want to be at peace in knowing your child is not only obedient, but that he/she has a submitted heart? Want to model the physical example of our spiritual Father? If so, this class is for you!
You will be challenged! We look forward to seeing your growth.
Requirements for the course will be internet access, Facebook account, and an open heart.
Refreshments will be provided at each session. Childcare will also be provided for ages 0-12yr.
Session Dates
Starting Friday April 5 - Friday June 7, 2013
7:00 - 9:00 pm
Living The Word Ministries
For more information call 808.834.2823
What can/can't I bring to the event?
Please bring an open mind, a willing spirit, and an expectation of greater things to come.
When & Where
Living The Word Ministries
2678 Kilihau St
Friday, April 5, 2013 at 7:00 PM - Friday, May 31, 2013 at 7:00 PM (HST)
Add to my calendar