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I hope you enjoy it. I know I do mine and I have been carrying it everyday for a few weeks. It is very easy to conceal and handle.
This is a discussion on Another LCP within the Defensive Carry Guns forums, part of the Defensive Carry Discussions category; I wasn't going to post on the LCP because I think it has been reported on well over the past few months. However, I just ...
I wasn't going to post on the LCP because I think it has been reported on well over the past few months. However, I just took mine to the range for the first time since I picked it up, and I was very impressed with it.
I owned a SW380 when they came out and I was very unhappy with it so I was leary about picking this one up. It shot beautifully!! Very low recoil and the accuracy was far better than I expected.
The first few shots were just to feel recoil, not really trying for accuracy. It was point shooting and its accuracy is what I expected for point shooting. Once I started sighting...I was thinking I was lucky, but they kept landing in the same spot.
I would recommend this gun to anyone looking for the pocket pistol.
I hope you enjoy it. I know I do mine and I have been carrying it everyday for a few weeks. It is very easy to conceal and handle.
Facts are negotiable, perceptions are not.
I enjoy mine now that all the bugs are worked out of it. I'm amazed at the accuracy of this little point and shoot pocket gun. I still need to get a good pocket holster and then it will be my everyday summer carry.
Mine shoots a little bit to the left as well.
I don't know if mine goes left or not...I can't see the tiny sights! I'm good for a point & shoot COM shot at close range with mine.
Treat me good, I'll treat you better. Treat me bad, I'll treat you worse.
Last edited by Captain Crunch; June 9th, 2008 at 04:20 PM. Reason: Edited a language workaround in quotes.
"Outside of the killings, Washington has one of the lowest crime rates in the country,"
--Mayor Marion Barry, Washington , DC .
They who would give up an essential liberty for temporary security, deserve neither liberty or security Benjamin Franklin
I'm not pro gun, I'm pro rights. What are you?
NRA Member
"Democracy is two wolves and a lamb voting on what to have for lunch; Liberty is a well-armed lamb contesting the vote."
-- Benjamin Franklin
Any more word on the LCP breaking after 100 or so rounds?
so far I have had no prob with mine but more then a few people have been posting to that effect!!!
man i think im gonna get one of these lcps now
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart. You owe it to him to be worthy of such devotion
I can tell when I shoot mine it is not the most accurate gun, my first shot patterns where all high, but they may come from the lack of a front sight or at least not much of one. But aimed just a hair lower and I can hit fine now that I adjusted to it. Overall I would say I am still impressed with the Ruger LCP for the price. Feels way better build quality then a Kel Tec! Kel Tecs feel like plastic junk to me.
It is interesting that so far I have heard or read very little negative feed back on this gun. That is not the norm for a small gun like this and certainly not the norm for a Ruger gun in my experience.
I am intrigued enough about this gun that I now find myself thinking of getting one of my own in the not too distant future.
,=====o00o _
l_--- \___l---[]lllllll[]
(o)_)-o- (o)_)--o-)_)


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Do You Feel Bad For Tim Tebow?
Losing your job is never an easy experience. Even on a professional sports level it's pretty tough. Sure, athletes are making much more money than you and I, but its still unemployment. Think of it likes this; the whole world has their eyes on you. They are watching your every move. It must be extremely stressful.

subset: commoncrawl


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Wednesday, 27 October 2010
Welcome Our New Partners - Gator By The Bay!
Gator By The Bay is the biggest Zydeco and Cajun festival on the West Coast, celebrating the rich and unique culture of Louisiana, and will have its 10th year in 2011.
The Gator by the Bay festival creates a rich cultural experience with zesty Zydeco, Cajun, Blues, jazz, country, and Swing bands; authentic Creole food; dancing and dance lessons; costumed New Orleans-style daily parades; and lots of kids' activities. More than 10,000 people are expected to attend the 2011 event.
Since the first festival in 2001, Gator By the Bay has captivated participants from 31 states, Canada, Mexico, and Europe. Visit the Festival website at www.GatorByTheBay.com and see what you won't want to miss!
The aim of this tie-up is to increase awareness of our festival in the USA, and to increase awareness of Gator By The Bay in UK. So if you're looking for something a bit different to do for your holiday next year, then we may have just the thing for you!
at 11:19
2 comments:
Mr Red here http://cresby.comReplyDelete
I am trying to get data on the bands (official website is not working just now).
on Mon 22 Nov, I am putting together a Cajun programme on Stroud FM (107.9 in the Stroud area) and fortnightly thereafter. 9pm (GMT) with repeats in the wee small hours Wed 24 (3am GMT)
http://www.stroudfm.co.uk is streamed from the website but no podcasts (licence restrictions)
So any help with Band info is welcome - please webmail me from cresby.com.
Subscribe to: Post Comments (Atom)


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We are happy to share some of the wonderful pieces that were submitted during the Carnival of Nursing in Public as "Crème de la Crème" posts. I'll be posting a few at a time so you can look at them at your leisure. If you feel so moved, please click over, read the whole post, and leave a comment in support of the writers who participated in the Carnival.
- Lucy & Ethel Have a Toddler, Nursing in Public (Boobs) Out and Proud: If you've ever nursed in public - not only because your child is hungry, but because you are proud to be a breastfeeding mother and want to do your part to make it visible and normal - you will identify with this piece.
It's always been my attitude that if someone is freaked out by seeing a baby breastfeeding, or thinks it's weird or inappropriate or whatever it is that people have a problem with, it's their issue to get over, and it's not the mother's responsibility to accommodate them.
I think that the discomfort that some people have about breastfeeding in public stems primarily from the fact that it's not something you see every day - which is one of the reasons that I do it.
Of course, it's mostly because my baby is hungry and, well, here we are, but once we're in that situation, my decision to just get on with it wherever we are is very much influenced by my belief that I should nurse her in public.
Read more from Lucy and Ethel Have a Toddler.
- Momma in Progress, Feeding Baby: Before she felt comfortable nursing in public, this mama carried a bottle of expressed milk with her. Always. Thankfully, that didn't last very long. She writes:
Breastfeeding at that point was an extremely elaborate affair involving complete removal of shirts, propping of pillows, numerous disastrous latch-on attempts, and occasionally some small amount of milk actually making it into the baby. Eventually I realized we needed to get past this level of complexity with every feeding if we were ever going to have a life. Thankfully, we did . . . possibly due to some divine intervention, because honestly I still felt utterly clueless and best I could tell she did, too. Once we reached the point when nursing was no longer An Event but simply How Baby Ate, we were ready to take our show on the road.Read more from Momma in Progress.
One of Those Women, As Real As It Gets: A mother laments her son's distress when he could not receive comfort from her breast, because society is uncomfortable with the public nursing of a toddler.
Because my body, and what I do with it as a mother, is socially controlled. As a woman, my mothering, and my body, is controlled by the gaze of others. I didn't even feel I could ask to withdraw to a private space, as I didn't want the entire "she's a freak" thing to enter into my, and my son's, relationship at his wonderful Nursery. I was too afraid. Too scared.Read more from One of Those Women.


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- 94 total posts
- 1 review
- 92 comments
- 1 question
Reviews & Stories
Fatima Almonte Doll Nov. 11, 2014- Dominican Republic, DO
Im so excited!!!!! I've been reading all the reviews here and let me tell ya, i soooooo appreciate you ladies for sharing your stories and before and after pics!!! Its played a big part in me picking my doctor which will b Yily!!!!!!!! Im going for tt bbl and lipo. My quote was 4200!!!!! I am sending my deposit as soon as i receive the next email. Which would let me know how much more lipo of... READ MORE
Questions from prettybrownYILYDOLL
Arm broken and healed naturally, will I be able to get lipo done to arms?
5 years ago i was in a car wreck. I fractured my pelvis and broke my hips. It healed naturally. I also broke my arm. I didn't have surgery so it healed on its own leaving it to... READ MORE
Recent comments from prettybrownYILYDOLL
Hey babe. Did u go yet?? READ COMMENT
Duran is gooooddd!! U gon be fly hunni!! READ COMMENT
Take care of you??? Well, the first few days they tend to you very attentively... The language barrier is real. Then u better eat when they cook cause the kitchen close at 9pm. Also if u Dnt want men around this is the wrong home to go... READ COMMENT
Cause I still drain nearly to the top everyday. It's not about the days, it's whether u are still draining more than 50cc I know girls that had there's for 20 days. I pray mine dnt b that long omg but yea READ COMMENT
Hey love!! How did u contact this doc?? is that the only way to contact him thru bellavita?? READ COMMENT


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Thanissaro Bhikkhu wrote:The first step in that solution is symbolized in the Siddhartha story by the prince's reaction to the fourth person he saw on his travels outside of the palace: the wandering forest contemplative. The emotion he felt at this point is termed pasada, another complex set of feelings usually translated as "clarity and serene confidence." It's what keeps samvega from turning into despair. In the prince's case, he gained a clear sense of his predicament and of the way out of it, leading to something beyond aging, illness, and death, at the same time feeling confident that the way would work.
From: Affirming the Truths of the Heart: The Buddhist Teachings on Samvega & Pasada by Thanissaro Bhikkhu


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OSIR Design with New Lineup for Audi TT / TTS Mk3
by George Achorn on 16 November 2015 in Aftermarket & Tuner News
Before the boom of new companies from Germany producing OE looking carbon fiber pieces for Audi models, there was OSIR Design. Hailing out of Hong Kong, OSIR came on the scene years ago with its initial products for the first-generation Audi TT. The firm is still around and still making its OE replacement carbon fiber parts, and most recently shared with us this new mix of goods for the newest Mk3 Audi TT range.


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My plane ride back from San Diego
I've always held that you can't judge people by appearance. I also lament the dearth of women in engineering (and STEM in general). Here's a little anecdote:
On a recent flight back from San Diego (for work), I sat next to two young blonde women. They were both remarkably pretty. If I were to broadly characterize them by their appearance (which I am loathe to do, but am trying to prove a point here): The one farther away (seat F) had a girl-next-door sort of look; the one closer to me (seat E) had a college-sorority look. (I had the aisle seat: seat D.)
As people boarded, I overheard snippets of banter from the two women about plans for the weekend and possibly a popular musician.
I started a conversation the way I start every conversation on a plane: "How are you today?" And the young lady closer to me smiled and said she's doing great. I asked if they were going home, and she said they were on business.
I asked what it is that she does. We talked for a while, and I learned that they work for Abbott Labs. They are in a rotation plan that lasts 2 years, and each rotation lasts 6 months. She had done a few rotations, and one of them was in Chicago. They are both currently assigned to a location 45 minutes away from San Diego.
What struck me here is that this is how things used to be at Motorola (well, sort of—a better example is Intel). I was happy to hear of a company that still invests so much into young talent. That it's a Chicago company was a nice bonus.
I asked what they do for Abbott, and they are both engineers. I asked if this was chemical and they said biomedical. Abbott basically spun off their pharma business as AbbVie and retained medical devices.
As we took off and I looked along the coast, I asked whether they worked north or south of San Diego. The young lady closer to me said north, 'cause 45 minutes south would be Mexico. I smiled at my obvious error.
For most of the flight, I put my headphones on as they talked amongst themselves. They were clearly traveling together, and I didn't want to be an interloper. Plus, I had a Runner's World to read and statistical data to pore over for work.
Closer to Chicago, I heard them talk about restaurants. I asked if they wanted a recommendation. The young lady closer to me reminded me that she had lived in Chicago and she knows the area. I took this rebuke to mean that they prefer to converse amongst themselves, and so I went back to reading the WSJ that I grabbed from the hotel. (I tend to be on the chattier end of things and have to watch it—especially with strangers.) I smiled and suggested that maybe she should give me a recommendation, seeing as how I don't get out much.
Finally, near the end of the flight (when they were both quiet and seemingly bored), I asked where they went to school. They had both gone to Cal-Poly (the good one 'cause there are apparently two). I asked where they want to be when they've finished the rotation program. They both wanted to move to the Bay area when their rotations were over. The young lady closer to me reminded me that she was almost done with the rotation program.
They both agreed that Northern California was Better. (As a people-pleaser I said how Northern California is nice because it is cooler and that's good for running—but honestly, I don't have a preference.) The young lady farther from me talked about how in Northern California, they say "Hella". Like, "Hella-fun day." But they don't say that in Southern California.
At the end of the flight, I told them it was nice to meet them and I hope they have a good time this week in Chicago. I said, "Would that be a hella-good time?" They young lady farther from me laughed and said that I got it. The young lady closer to me smiled and said that I don't have to say "hella"; she's from Northern California and she doesn't.
So, here's why I'm bothering to write about this particular conversation: I was absolutely delighted that the young lady closer to me acted like almost every other engineer I have met—correcting factual mistakes when dealing with people. Because if you don't correct people, they will veer off in the wrong direction. And Bad Things will happen.
It made me feel glad that I had evidence for something I've long held—that there's no inherent difference between men and women. And you can't judge people by the way they look. And you can only know someone by interacting with him/her.
And at some point in the past, these young ladies would have been encouraged to be pharma reps, not engineers. (I do not suggest that being an engineer is necessarily better than being in sales—I do suggest that having more career options is better.)
Well done, America.
Lowell: Cloud 69
I'm like dynamite. I need a cheerleader.
Nice long run
I went for my first outdoor run in a long while. I still have some deadlines at work (mid-April), but I got over one hump this week.
And everyone was actually encouraging me to leave at 4, especially after I advertised it all day.
So at 4, I left. I didn't want to immediately–there's that usual fear of cold or being out of shape–I went for a run outside. I ran to downtown Dundee and back. All in all, it took an hour.
I listened to The Fault in our Stars, and finished it on my way back.
I then got to work on some computer chores, and did that until the family came home.
I haven't seen much of the family this week, despite it being Spring Break. It was a nice afternoon and a nice evening.
Week(ish) in Review
Since last time:
Got a friend's lunch cards automated (8th grade hot lunch) and printed them out for her.
Went to a memorial service for my wife's uncle.
Ran outside.
That same day worked from home and increased the bandwidth of a bias loop by about 10x.
Gave some coworkers some info they needed.
Unfortunately, got sick but luckily Monday was a day off.
Week (and some change) in review
Since the last time:
- Helped my wife at Cub Scout Sunday
- Got an eye exam (my eyes got a bit worse this past year–I think not running has an influence)
- Bought new phones for the house
- Co-Ran Monday pizza hot lunch
- Got kids to bed and up in the morning for the two nights/days that my wife was at Manager Tools
- Ordered new checks
- Set up my friend Scott to ride the lead bike in the Irish Jig Jog (which means I can now run it–and you should too)
- Went to First Communion meeting for my youngest child
- Upgraded my cable modem to DOCSIS 3.0 (with 50% faster connection rates & IPv6: before & after)
- Finished "David and Goliath" (Malcolm Gladwell) and finished "Highway 61 Revisited" (Mark Polizzotti)
- Started "Beautiful Ruins" by Jess Walter
- Ran once (indoors for 50 minutes), Friday of the week before
Week and a half in review
Stuff I did or that happened since January 17th. Man I've been busy! Read the rest of this entry »
This song came on my playlist today.
Really too late to call,
So we wait for morning
To wake you is all we got
To know me as hardly golden
Is to know me all wrong, they warn.
At every occasion I'll be ready for the funeral
At every occasion, once more, it's called the funeral
Week in review
Stuff I've done this week:
Monday hot lunch at kids' school.
Sent donation email out to families for hot lunch.
Worked late Tuesday night (2AM) and released some circuit blocks to layout.
Called hot lunch pizza provider for duplicate receipts.
Got back episodes of How I Met Your Mother.
Returned Netflix DVD – TWICE (this is huge).
Recruited volunteers for Pinewood Derby.
Pinewood Derby RSVP email.
Finished Divergent Book 2: Insurgent.
Met a friend (from Infinium) for dinner.
Work party at the go kart races.
Bought new keyboard for desktop computer.
How to Lead
You don't need a title or role or permission to lead.
A few years ago, I was given the opportunity to be a project manager.
I left a very comfortable job to go to this company. After two years of challenging work, I was well established in a small management role. And then I was offered a new project management role. I took it, essentially risking everything I had built up to that point.
The new role wasn't a good fit. And, of course, it didn't work out. It ended abruptly after 3 months.
I was told that the job would go to someone name Matt. It was difficult for me to accept. I really wanted that project management role, and I had given up an equally important role (one that I spent a couple years working through) to take it on.
Anyway, here's an email thread from about a week after this transition:
From: Poojan Wagh
Sent: Friday, March 18, 2011 5:24 PM
To: Boss; ProjectX; ProjectY
Subject: Re: ProjectX Technology updates 3/18/2011
… and awesome progress. ProjectX is in good hands.
—– Reply message —–
From: "Boss" <firstname.lastname@example.com>
Date: Fri, Mar 18, 2011 4:46 pm
Subject: ProjectX Technology updates 3/18/2011
To: "ProjectX" <email@example.com>, "ProjectY" <firstname.lastname@example.com>
Awesome writeup…
From: Matt
Sent: Friday, March 18, 2011 11:22 AM
To: Boss; ProjectLead
Cc: Coworker, Coworker
Subject: ProjectX Technology updates 3/18/2011
Hey guys,
Below are some progress updates on our new network and software solutions over the last week. Please forward as necessary.
In case you missed it, Matt emailed the team a progress update. Our boss praised his reporting. I praised Matt's progress and gave him my support.
I don't want to overstate how hard it was to give Matt my support. I got along well with Matt, and most people did, too. I thought he was a good choice for the role. So, I wasn't merely putting on a good face when I had to accept this change. But, it would have been much easier to say nothing than to give my support.
Leadership isn't always easy. It often means putting the team or an organizational goal above yourself.
The most powerful leaders lead by example. And we need more powerful leaders.
Technology Trends
One can see a distinct trend of phone screens getting larger. For example:
On the left is an HTC EVO 4G (circa 2009), a Galaxy Nexus (2011), and a Nexus 4 (2012). Based on these observations, I've extrapolated what the next-generation wristwatch will look like:
The one on the left is a Timex (circa 2008). The one on the right is a prototype.


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Hi all, 26 male here. I've got a weird story. I have a 99 Buick Regal with all the bells and whistles. She's got traction control but every time I go on a little bit of ice, she slides like the devil!
I'm thinking maybe it's the tyres. They are "Touring" tyres by BF Goodrich. Anyone know about the quality of them?
Anyway, I was going about 25 mph on a straight road and was coming to a left turn. I braked but they locked up and I had no traction. So I could have gone straight into someone's driveway, which was on an incline, and hoped the momentum would dissipate by then. If it didn't, then I'd slam into his house. I decided to turn to the left and go into the curb instead. I tried braking hard but still had no traction, and at about 15 mph, my right front tyre slammed into the curb
My car didn't go over the curb, only the right front tyre. I heard a loud "shrankkk!" noise as it hit the curb. I reversed and got straightened out, then tried to drive it. The car's steering was totally out of whack and she was pulling way to the left. I got out to inspect the damage and saw that the aluminum wheel had been cracked. The "shrankkk" noise I'd heard was the wheel hitting the curb and it looks like it had absorbed the brunt of the impact. So I got a used rim today which cost 100 bucks and I'll get the same tyre put on it tomorrow at wal mart.
My questions:
A) Can I drive the car to wal mart with the damaged wheel on, or should I put the spare on? The tyre appears to be deformed due to the warping in the wheel. It's about 10 minutes drive but I can only drive at about 15 mph max. so it'll take about 35 minutes to get there. The right tyre makes a strange noise when I turn it either left or right, even at almost no speed. Hence is it wise to drive it 3 miles or so?
B) Am I looking at any major internal damage, especially to the tie rod ends or the axle??
Please give me advise! Thank you.


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Nice! Is he able to make anymore? I carry a G27, and that looks perfect for me.
This is a discussion on New IWB Holster Review within the Defensive Carry Holsters & Carry Options forums, part of the Defensive Carry Discussions category; While looking around at different IWB holster threads, I ran across this one with the post by SiGlockBoy (John) and some pictures of a holster ...
While looking around at different IWB holster threads, I ran across this one with the post by SiGlockBoy (John) and some pictures of a holster that he made.
slimmest beltclip-style IWB? - Glock Talk
I was interested in his holster and sent him a PM asking if he would make a holster for me since I am always looking at the different carry options.
I have a Crossbreed SuperTuck and RM Low Ride holster. When I wear the Low Ride, I suffer from "draggin drawers" but, I don't have this problem with the SuperTuck. I think it's because the footprint is much larger on the SuperTuck. I currently have a gun belt by Crossbreed and a Beltman on order. Wearing this holster with the gun belt or a sturdy 1.5" mechanics leather belt, feels great and I don't have the draggin drawers problem.
I talked with John about what I was looking for and his holster sounded perfect. He also had a pocket mag pouch that I was interested in, but I wanted one with a belt clip. He agreed to make both the holster and mag pouch (with belt clip) for me. Turnaround time was fast, approx. 2 weeks including the holidays and major snow storms.
The holster and mag pouch are made of quality leather and the stitching is solid with no discrepancies. The clips are metal and very strong and will no doubt last for a long time. The holster was custom fit for my Glock 26 and it fits perfectly. The holster was a little stiff initially, which is to be expected. I've worn it for a couple of weeks and it has molded more to my gun and fits nicely.
John can make the holster with a 0, 5 or 10 degree forward cant. I like my holster with a 10 degree cant since I feel it tucks the grip against my body better for easier concealment.
There is no internal stiffener like kydex or other material near the mouth so the holster does collapse partially when you draw. I don't have a problem with this and wanted to mention that because it is important to some people. I was able to perform a one handed re-holster that was slightly difficult, but I was successful and I'm sure with more practice it will become easier.
I am 6' and weigh 229 and unfortunately, I have a spare tire and love handles. As you can see, the holster and mag pouch conceal nicely wearing only a t-shirt.
Nice! Is he able to make anymore? I carry a G27, and that looks perfect for me.
Si vis pacem, parabellum
I have had a problem with the type of belt clip that is on the holster.
Seems they only come in size 1.75" or at least a lot of holster shops only use the 1.75 size. It appears that the one in your picture is larger then your belt.
I have found( for me) this situation allows the holster to flop forward or backward to increase or decrease the cant, which affects obtaining the proper draw grip. I have checked this out with a couple of top producers and they informed me that the 1.75 is the only one they use. I did not ask for an explanation, but it did sound strange to me.


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50 CFR 14.63 - Export declaration requirements.
Except as otherwise provided by the regulations of this subpart, a completed Declaration for Importation or Exportation of Fish or Wildlife (Form 3-177) signed by the exporter, or the exporter's agent, shall be filed with the Service prior to the export of any wildlife at the port of exportation as authorized in subpart B of this part. All applicable information requested on the Form 3-177 shall be furnished, and the exporter or the exporter's agent shall certify that the information furnished is true and complete to the best of his/her knowledge and belief.
Title 50 published on 10-May-2017 04:10
The following are ALL rules, proposed rules, and notices (chronologically) published in the Federal Register relating to 50 CFR Part 14 after this date.


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Went to Tybee Island this weekend. It is the perfect weekend getaway for those who live in Atlanta because it is only a 4 hour drive (add an extra hour if there is traffic). I have never been there, but I have lived in Atlanta for 9 years now. So ridiculous! I was missing out on nice beach weekends. Except, do not go when it is mosquito season which is most of the year. I came back with mosquito bites all over my body. Yikes.
Anyway, we ate at a beach front restaurant, and I ordered a shrimp burger which was supposed to be their specialty.
I didn't know it was going to be so fried. I didn't eat the bun… It wasn't even that great. OK, but not really worth the fried oils.
So, we made it a point to get some fresh (and as local as possible) produce at a stand on the way home from getting a toothbrush and underwear that I forgot at home. Hey, I remembered to bring my seed crackers, but not the essentials.
And made a fresh omelet the next morning!
Made a skinny margarita that night with the seed crackers that I remembered to bring.
And had a salad with mahi for dinner!
Got to see a beautiful sunset.
And climbed the lighthouse the next morning, then went to Savannah for dinner. I ordered a peach BBQ salmon with snow peas at Boar's Head restaurant.
It was great, but my sister had a delicious dish of alfredo/pesto pasta with chicken that we were all eating from.
Then, we got some candy for dessert (including a giant peanut butter cup!) and walked around town for a while.
Had a super spicy shrimp quesadilla before we left town. It was loaded with jalapenos and large shrimp. When you get a quesadilla there is always the chance that your tortilla will have trans fat, but what else are you going to do? I could've got a salad with chicken, but I am so sick of salads with chicken.
It was either that or this:
Not many healthy choices… your best choice would be some type of grilled or steamed seafood. But, all they had was fried foods. You can ask if they will put the shrimp on salad (which is what I did), but the server was perplexed when I asked. So, I went for the quesadilla.
Hope everyone had a good weekend! Now it's time to work hard this week 🙂


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Bands of America and the Music for All Foundation have announced a merger of the two groups to create Music for All, Inc., one of the largest and most influential national music education organizations in support of active music-making. The merger became effective September 14.
Recognized leaders in their fields, Bands of America (BOA) and its Orchestra America division have a 31-year heritage in providing educational experiences for instrumental music programs and students. The Music for All Foundation (MFA), one of the nation's leading music and arts education research, public policy and advocacy organizations, was created to address the growing concern that public policies have created barriers for many schools and communities to provide music and arts programs as a part of a basic education for all children. Together, they join forces to create, provide and expand upon positively life-changing experiences through music at all levels, regardless of experience.
The two organizations have merged boards of directors to serve as the governing body of Music for All, Inc., with members of both organizations remaining active. Scott McCormick will serve as President and CEO, Robert Morrison becomes chairman emeritus and will serve as Executive Vice President, Public Affairs, and Eric Martin will serve as Executive Vice President and COO. Previously, Scott McCormick was President of Bands of America and Robert Morrison was the founder and Chairman of the Music for All Foundation.
"The mission and vision of both Bands of America and the Music for All Foundation were very much in sync, and the programs of both organizations will only serve to complement each other," states Scott McCormick. "Music for All's ground-breaking advocacy efforts fit naturally with BOA's position as the leading provider of musical events and educational activities."
Music for All, Inc. is unique in that it combines programming at a national level with awareness campaigns, research and advocacy. Its programming will provide ready-made research and advocacy tools, as well as performance platforms to promote access to music and music education for all, and will provide the preeminent showcases for those results. The organization will reach a vast number of people — more than 300,000 people attend their events, 100,000 teens participate, 100,000 people subscribe to online services and one million are impacted by research and public affairs initiatives.
"The recognized strengths of both BOA and MFA are combined to position the new organization in achieving greater success as a leader in ensuring that music truly becomes available to all," adds Morrison. "Bands of America has a track record of producing best-of-class events that are passionately supported by students, parents, teachers and communities."
"In spite of most people instinctively knowing the benefits of music, far too often, music programs are the first to be cut when schools have budget problems," notes Arkansas Governor Mike Huckabee, past chairman and current board member of the National Governor's Association and the Education Commission of the States. "That's why I am excited that Music for All and Bands of America have united under the label Music for All, Inc. The merger of these two groups will create one of the largest organizations in America engaged in making music," adds Huckabee, a long time music and arts education champion. "Music for All, Inc. will provide a mechanism to connect those who develop policy with those who will implement that policy on a large scale. With the outreach capabilities of this new 'policy meets practice' organization, music programs should never again be on the chopping blocks in our schools."
All current Bands of America and Music for All activities will continue as planned and move toward expanding to activities that reach beyond the classroom. The new organization has joined with NAMM, the International Music Products Association, to sponsor the New York premiere of the upcoming HBO documentary, "The Music in Me," at Carnegie Hall on October 6, with the network debut October 7.
"We have worked closely with both organizations in the past," said Joe Lamond, president and CEO of NAMM, "and we fully support the merger and leadership of Scott McCormick and Bob Morrison."
Music for All, Inc., a 501(c)(3) organization, will be headquartered in Indianapolis, IN, while the Public Affairs and Research offices will be in Warren, NJ.
"The merger is a highly significant development for music education in America," notes Sir Ken Robinson, well-known author and one of the world's foremost authorities on creativity. "I know, through my own work and collaboration with Music for All, just what a powerful force it has become for music in schools. Under the driving leadership of Bob Morrison, it has combined vision and passion with a hard-headed approach to effective research and informed advocacy. Bands of America has a distinguished record in supporting and promoting music practice throughout the U.S. Merging these two proven agencies into a single force is very good news for students, educators and musicians."
For more information, visit www.musicforall.org.


text:
Are You Aligned?
January 15, 2008
COLUMN : Talking to Dealers | Markets & Trends
Ahhh, there's nothing like an eye-popping news story to get me all charged up at column-writing time, and I know it's a good one when I'm still baffled after the third or fourth read.
The folks at Milgard are in the courts attempting to iron out an unfortunate situation. The former executive assistant to President James Sweeney Jr. allegedly embezzled $1.6 million from the company in about five years. The Associated Press story points out that Lindy Robertson, at the ripe ole' age of 27, faces 27 counts of theft and three counts of money laundering. She is accused of working up a credit card scheme to hide her purchases—including online shipping, paying off her mortgage, remodeling her house, buying two cars, socking away nearly $30,000 for her children's college fund and purchasing airfare for her father to visit Uganda.
That's a heck of a bonus plan—$1.6 million in five years.
I'd be willing to bet it's tougher to find a trustworthy employee in today's corporate environment than a suitable spouse at a karaoke bar (no offense to those of you who were successful at such a venture). For the majority of window and door specialty dealers, leaking $1.6 million out of the company coffers could be more than enough to stall expansion to a new geographic area, hire additional key employees or even keep the doors of the business open.
But let's say we're not talking about millions of dollars—or money at all. What about employees who take an extra half-hour for lunch instead of getting back to the service phone lines or dawdle around installing the last windows at Job A so they don't have to drive out to Job B until tomorrow? Those types of behaviors are leaks in the revenue pipe as well. You're kidding yourself if you think that more oversight will plug the drips. After all, there's only one of you and a whole bunch of them.
The key is aligning the goals of your employees with the goals of your business. It's really not too much of a stretch. They want to make money and the business wants to make money. So connect the two and empower, and subsequently reward, your team for making good choices. Show them how the dealership making money will result in them making more money, getting more time off, having cheaper health insurance or getting an occasional Starbuck's gift card—whatever the incentive.
Here's an example. Indra Nooyi, the top executive at PepsiCo, makes around a million a year in base salary, but she brings home around $4 million a year thanks to performance-based bonuses and stock options. She owns a bunch of stock in Pepsi, so why wouldn't she want the company to perform well? A million is a nice salary, but who wouldn't jump at the chance to earn $4 million?
Now I realize the only stocks most window dealers handle are 3'0"-5'0" windows. But some of our industry retailers are figuring out how to align the wealth functions of the employees and the company. Several dealers I've profiled in the last few years have an "open book" policy with their companies' financial performance, and their employees really appreciate the opportunity to affect the bottom line. Others have opened the door to ownership, allowing the brightest stars a spot on the company letterhead. Incentives are controversial beasts and I myself am not convinced they work on a long-term basis. I think the ticket is making employees feel like owners.
If you think you've got the wealth-aligning game figured out, by all means, send me an email. Maybe your approach could save another one of our window and door brothers from suffering Milgard's $1.6 million fate.


text:
First owner in excellent condition. Full options
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Number of single berths: 8
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Number of heads: 2 + Skippers head
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text:
Former QV soccer player honored in consecutive weeks at W&J
Being honored once is special; twice can be overwhelming.
Former Quaker Valley soccer player Kelsey Kraus, a senior forward for Washington & Jefferson, was named the Presidents' Athletic Conference Women's Soccer Offensive Player of the Week for the week of Oct. 7 and then followed up with the same honor for the week of Oct. 13.
Kraus, who starred at Quaker Valley from 2005-09, scored three goals to lead Washington & Jefferson (9-6-1) to two PAC wins during the most recent week.
"It's really exciting," Kraus said of the recognition. "I have been working hard. It's definitely an honor and exciting because it's my last year."
Kraus, who also plays lacrosse in the spring, started off her strong week with two goals in a 6-0 win over Chatham in PAC action on Oct. 10. The Presidents also got a goal from Kraus in a 2-1 overtime win over Grove City on Oct. 13.
The Sewickley native, who was named to the all-section team during senior year in high school in 2008, is now having another strong senior campaign. Kraus has recorded seven goals and three assists.
Besides the two-goal game against Chatham, Kraus recorded two goals against Penn State Altoona on Sept. 23.
"I think it's because it's my last year," Kraus said of her breakout season. "I have been going out there and giving it all in practices and in the games."
Kraus also could credit having fresh legs this season, after taking off her junior season to study abroad during the fall semester in 2011. Kraus wanted to capitalize on the once-and-a-lifetime opportunity offered by the college. The psychology major went to Australia from June-October.
"It was a tough decision," Kraus said. "I definitely was torn. The girl (Brittany Fradkin) I went with plays lacrosse, so she wanted to go during the fall. I was pleased that my soccer coach was understanding and was excited to get me back for my senior year."
For her career, Kraus has scored 12 goals in 50 games for the Presidents. Kraus also has been successful on the lacrosse field at Washington & Jefferson with 34 goals and 14 assists in 42 games.
This fall, Kraus has led the Presidents to another strong regular season. They entered the week 9-6-1 overall and 5-1-1 in the PAC.
"I'm just having fun with it out there," Kraus said. "I love being back with the team."
Kraus and the Presidents will look to finish strong this season with a big matchup against PAC leader Thomas More on Saturday to wrap up the regular season.
Andrew John is a freelance writer.
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D1P 2017 Charity Campaign for The Life You Can Save: $1,615 (as of June 4, 2017) 12/12/2016I've decided to extend our charity campaign for The Life You Can Save organizations for the entirety of 2017 so feel free to contribute at any time! Periodically through the year, I'll have game giveaways for those who have donated to the campaign as a "thank you" for supporting this worthy endeavor!
D1Pcast Episode 28: The 2017 E3 Review Show (Recording June 23 - share your E3 impressions!) 06/01/2017Now that E3 2017 has concluded, the D1Pcast crew will be recording its impressions of the show on Friday June 23 at around 6:30pm Eastern time. Like we did for the preview show, we'll run through each conference and give our thoughts on the good, bad, and the wonderfully inexplicable (Devolver Digital - I'm looking at you!). We're very much interested in hearing your thoughts and impressions about this past E3, so feel free to share them in this thread. Or -- even better! -- if you'd like to join us for this episode, we'd love to have you on the show! The more, the merrier as we put a capstone on our E3 2017 coverage!
E3 2017 is upon us! 06/07/2017The annual celebration of all things video gaming is upon us, so let us share in the revelry and post the news, videos, interviews, and discussion topics in our dedicated E3 2017 board here: http://www.dayonepatch.com/index.php?/forum/122-e3-2017/ Also, feel free to join our Discord server for live text and voice chat of the various conferences - here's an invite that (theoretically) should not expire: https://discord.gg/chqTQ2F Let's all have a magnificent E3!
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McDSP 4040 Retro Limiter Native v6
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The 4040 Retro Limiter combines a look-ahead brick wall limiter function with several subjective treatments to make the limiting action subtle, and yet vintage.
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China's Stocks Decline Most in a Week as Hopes for Monetary Easing Wane
China's stocks fell, dragging the benchmark index down the most in a week, as speculation the government would loosen monetary policies waned.
China Vanke Co. (000002) and Poly Real Estate Group Co. paced losses by developers after the China Daily said Beijing will restrict home purchases. CSR Corp. (601766) and China CNR Corp., the nation's biggest train makers, declined more than 1 percent as the China Business News said the railway ministry may spend less on new locomotives. Changjiang Securities Co. and Huatai Securities Co. fell after net income slumped last year.
"An immediate reserve-ratio cut probably won't come soon given policy makers' concern about a possible rebound in inflation," said Wu Kan, a fund manager at Dazhong Insurance Co., which oversees $285 million. "The tight liquidity condition won't change soon. Earnings risks have yet to be fully exposed with the reporting season kicking off."
The Shanghai Composite Index (SHCOMP) dropped 30.43 points, or 1.3 percent, to 2,244.58 at the close. The CSI 300 Index declined 1.7 percent to 2,394.33. The ChiNext index of Shenzhen-listed start-up companies tumbled 6.2 percent. The Bloomberg China-US 55 Index (CH55BN), the measure of the most-traded U.S.-listed Chinese companies, retreated 0.3 percent in New York yesterday.
The Shanghai Composite rallied 6.4 percent in the three days through Jan. 10, the most for such a period since October 2010, as slowing trade data boosted speculation the government would act to spur growth and Premier Wen Jiabao called for measures to support the stock market. The index fell 1.8 in the past three days as Credit Suisse Group AG and Royal Bank of Scotland Group Plc said inflation would hamper the government's ability to ease monetary policy.
Swaps traders are also reining in expectations for interest-rate cuts in the world's second-largest economy after increases in lending and manufacturing. The derivatives reflect bets that the People's Bank of China will lower its benchmark one-year deposit rate to about 2.75 percent from 3.50 percent in the coming 12 months, after indicating one percentage point of reductions at the start of the year, according to data compiled by Bloomberg.
Manufacturing unexpectedly expanded in December and new loans exceeded all 18 economist estimates in a Bloomberg survey, official data in the past week show. Consumer prices rose 4.1 percent from a year earlier in December, compared with 4.2 percent in November, a government report showed yesterday.
Data released today also showed foreign-exchange reserves dropped for the first time in more than a decade as foreign investment moderated, the trade surplus narrowed and Europe's crisis spurred investors to sell emerging-market assets.
Property Curbs
A gauge tracking property stocks in the Shanghai Composite lost 1.8 percent. Poly Real Estate, China's second-largest developer by market value, fell 1.1 percent to 10.28 yuan. Vanke, the biggest, dropped 0.8 percent to 7.46 yuan. Gemdale Corp. (600383) slipped 2.3 percent to 5.09 yuan.
Beijing Mayor Guo Jinlong pledged to restrict property purchases and build more government subsidized housing this year to cool the real estate market, the China Daily reported today. China's home prices fell for a fourth month in December after the government reiterated plans to maintain curbs that include higher down-payment and mortgage requirements, according to SouFun Holdings Ltd., owner of the nation's biggest real estate website.
Declines among developers helped make the Shanghai Composite the worst performer among the world's 15 biggest markets in the two years through 2011 with a 33 percent drop. Today's losses pared the Shanghai gauge's gain this year to 2.1 percent. The index is still up 3.8 percent this week, the first weekly advance in two months.
Stock Support
The Shanghai Composite trades at 9.2 times estimated earnings, near the record low of 8.9 times reached on Jan. 6, according to weekly data compiled by Bloomberg.
Premier Wen called for measures to reform initial public offerings and boost dividend payouts, the Shanghai Securities News reported this week. China's stocks regulator will "actively" push pension and housing funds to begin investing in capital markets, and encourage long-term investors such as insurers and corporate pension plans to buy more shares, the China Securities Regulatory Commission also said this week.
"Stocks climbed earlier this week on signs of government support for the stock market and the economy but nothing concrete has yet materialized," said Wei Wei, an analyst at West China Securities Co. in Shanghai. "Now we're entering the earnings season investors may turn more cautious."
Changjiang Securities dropped 3.3 percent to 7.25 yuan. The company said net income decreased 65 percent last year. Huatai Securities sank 0.8 percent to 7.87 yuan after saying profit slumped 47 percent in 2011.
Earnings Growth
Chinese companies have started to announce annual earnings reports and will finish before the end of April. Eleven companies in the Shanghai Composite have released annual profits for 2011 so far, with an average gain of 22 percent, according to data compiled by Bloomberg. That compared with an increase of 38 percent in the previous year.
China's foreign-exchange reserves, the world's biggest, fell to $3.18 trillion on Dec. 31 from $3.2 trillion Sept. 30, People's Bank of China data released in Beijing showed today. The quarterly drop was the first since the midst of the Asian financial crisis in the second quarter of 1998, according to data compiled by Bloomberg.
Rail Investment
CSR, the nation's biggest train maker, lost 1.1 percent to 4.47 yuan. CNR, the second biggest, slipped 2.5 percent to 4.31 yuan.
The railway ministry's purchases of locomotives may fall to 80 billion yuan ($13 billion) this year from a planned 126 billion yuan in 2011 and 107 billion yuan of actual buying in 2010, the China Business News reported today, citing an unidentified person close to the ministry. A deadly train crash on July 23 that killed 40 people prompted the government to reduce the speed of bullet trains and delay new projects.
China's economic growth may have slowed to 8.7 percent from a year earlier in the fourth quarter of 2011, according the median estimate of economists in a Bloomberg survey. The data are scheduled to be released Jan. 17. UBS AG estimates the pace of expansion may slow to 7.7 percent this quarter. The central bank cut lenders' reserve requirement ratios for the first time since 2008 on Nov. 30.
The government will accelerate the pace of approving qualified foreign institutional investors, the China Securities Journal said today, citing Wang Lin, head of the China Securities Regulatory Commission's funds department.
--Zhang Shidong. Editors: Richard Frost, Darren Boey
To contact Bloomberg News staff for this story: Zhang Shidong in Shanghai at email@example.com
To contact the editor responsible for this story: Darren Boey at firstname.lastname@example.com


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MMAF Undisputed Fight League Rules
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Live right and every other day is a good one to die.
Join Date: Jul 2008
Location: The Big Island, BC.
Posts: 1,431
MMAF Undisputed Fight League Rules
Alrighty folks. Please keep in mind that this is an evolving rule set so check back after each round. This is a working document, last changed on June 13nd
. The most recent update can be found in
There will be an Xbox league and a PS3 league
League Officials are (The three Dana Whites, we will also be taking part):
League Founder & Registered Sex Offender:
Tokin MMAF Moderator & Thin-tie Enthusiast:
Logistical Monkey & Chief Cat Herder:
Official MMAF Undisputed Fight League Rules & Info
Weight classes
Until we can get more members to join up, we anticipate that everyone will need to participate in 2 different weight classes. You may select the first weight class you would like to participate in, and then your second weight class will be randomly selected so that we have a good number of people in each of the weight classes. The idea is that once we have more members then people will be able to either select which class they wish to continue in, or continue in both if they have the time.
So check the weight classes thread and select your weight class.
Ranking Ladder
Before anything starts we will hold a tournament in each division to determine the first title holders and the order of the rankings, but the tournament will not affect your fight record, so everybody will still start on 0-0 when the events start. To find out where you are on the rankings just check the rankings thread for PS3 or Xbox when we begin.
The tournament will be done as an elimination style tournament, where if you win you progress on to the next stage, towards the title. Once we have our champs established in the tournament the league-play will begin. Initial contendership rankings will be based on when a player was eliminated from the tournament. The longer you stay in, the higher you will be ranked. This means that if two players are eliminated in the semi finals, the one who lasted longer (later into the rounds) will be ranked in the spot above the other.
Subsequent to the tournament, rankings will determine all matches. The number one contender will always fight the champ in ranked play. Losing or missing a match (a NC) will result in moving down the ranking ladder, winning will result in moving up. This means that if the lower-ranked player wins his or her match then they move above the loser of the match (and if they were the underdog they can move up two spots if the underdog of the match above them also loses). This will keep it interesting for all and keep the contendership picture from becoming stagnant. Please refer to the chart below if you are uncertain of how this will work.
Making Weight (i.e. showing up for your matches)
An 'event' is expected to take place over a week or two. Fighters will be given the opportunity to set their fight times with their opponent. If they can not select a time mutually then a league official will give them two times. Missing both times will result in a NC, which results in moving down the ladder the same way a loss does.
- Please expect additional rules to be added to this section.
- To host the league match you need to create a PLAYER MATCH and turn on the privacy, then invite your opponent to join you on the friends screen.
- The higher-ranked player always picks his fighter first. You may pick any fighter in the division the match is for, or use your own created fighter.
- To take your fight outcome confirmation photo (if you are so inclined) simply press start on the points screen and select gamer card so that both your name and your opponent's is visible.
- ABSOLUTELY NO GLITCHED FIGHTERS are permitted to be used. These are fighters made using the create-a-fighter stat exploit. Legit CAFs are permitted, so put in the work if you want to make a guy. GLITCHED FIGHTERS can be spotted by their relatively low speed/cardio/strength with high skills. Legitimate CAFs have higher speed/cardio/strength.
Title Holders
Title holders will be required to defend their titles regularly. Missing a title fight time(s) will result in the title being vacated, an assessment of a NC to the champ as well as the champ sliding to the 4th place position (1, 2, and 3 will move up and 1 & 2 will fight for the vacant title while the former champ will face the 3rd place contender in the next event).
Training Camps / Teams
We will be allowing training camps to be formed. Training camps will allow you to plan practice/sparing with your MMAF buddies. Coming up with names and logos for your camp thread would be great. Camps should have more than one member, obviously. Additional rules pertaining to training camps may be provided later on if they are necessary.
We're all participating in this for fun, so ideally no one will ever get suspended. With this said there are some rules which need particular enforcement for this to work for the rest of us. The rules (
) which if broken may result in suspension or expulsion from the organization pertain to: Missing Multiple Fights and Dishonest Result Reporting. It remains to be seen how the system might account for fight records but unaltered digital photos may be taken as proof of results.
A suspension may take one of two forms. You may be asked to sit-out for an event (or more), or you may demoted to the next rank pairing. This means that if you are ranked 3rd and are demoted, you will be ranked 6th -- making you the underdog of the next pairing for the #5 & #6 ranked fight.
Tournament Start Date: May 29, 2009
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I am currently making a iPhone / iPod touch webapp.
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For those who would like to see my site as it is, send me a PM to get the URL.


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Saltier or not?
Gridding sparse ocean observations onto a very high (in this case, 1-by-1 degree latitude x longitude) resolution is prone to producing some apparent structures that are simply artifacts of mathematical interpolation, even when isopycnal methods are utilised (this is common for gridding of data). On the other hand, the budgeting of salinity implicit in the ocean model used by Hatun et al. may not properly account for river run-off (freshens the water), transport from the Pacific, the Canadian Archipelago, the East Greenland current, or melting processes. The ocean model used by Hatun et al. has a northern latitude limit of 78N, where an artificial boundary is imposed with the salinity, temperatures and velocities all prescribed at that boundary by results from another model. The salt transport at this boundary is not well-known. If the prescribed salt transport is not correct, then the salt budget of the model will not represent reality.
Hatun et al. examined the possibilities that [i] a change in rain falling over the ocean (freshens the water) and evaporation (increases the salinity by removing water and leaving salt behind), [ii] increased salinity in the sub-tropical gyre (in the main part of the North Atlantic), [iii] increased salinity in the sub-polar gyre, or [iv] dynamical changes in the relative contributions from the two gyres could explain the high salinities in the in-flow regions. Of these processes, they concluded that it was the latter that was responsible for the high salinity in the region where Atlantic water flows into the northern oceans. This explanation involves a displacement of an oceanic front and hence a change in the circulation structure. Comparisons with observations in these regions show good agreement between the model and the observations. Thus, although their conclusions about the salinity within the inflow region being closely related to the dynamics of the sub-polar gyration circulation, the model may not give a representative account of the total salt content in the entire northern oceans. But their focus was on the increase in salinity in a certain region, not a general decrease, and hence they did not examine as other factors such as river-run off and melting. Finally, the results by Curry & Mauritzen focused on longer time scales for which they had collected ocean observations, while only model results were provided for long-term evolution by Hatun et al. Even if the model agreed well with respect to saline anomalies in the inflow region, it has not yet been established whether it provides representative values for the absolute salinity in the entire ocean basin.
Given the uncertainties and caveats implicit these two studies, their conclusions regarding trends in salinity of the northern oceans may not be as inconsistent as they might appear. The use of the term "record-high" in the paper by Hatun et al. may be misleading, as this only refers to a limited region since the 1960s (southwest off Iceland) or a very short interval (one decade) and doesn't reflect the general degree of salinity in the entire basin over a longer period. The long-term observations suggest that the last decade has been a mere blip in a long-term trend towards fresher conditions in the northen oceans. 1995 was when the salt content in the norther oceans was at its lowest. It is hard to see how the relationship suggested by Hatun et al. can explain how the 19000 cubic km of fresh water reported by Curry & Mauritzen could be removed. However, these papers are probably not the final word on this.
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Perhaps because he practices the Christian humility encouraged by Miles Mullin this past week, our colleague David Swartz has failed to inform readers of the Anxious Bench that his history of the Evangelical Left is now available in paperback. See my praise of David's book here and here. Needless to say, Moral Minority is readable, [Read More…]
Archives for April 26, 2014
Moral Minority in Paperback
April 26, 2014 by 1 Comment


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Results 1 to 15 of 15
Thread: the black hole of disaster!
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the black hole of disaster!
I am in this badddd mood where I feel like I am never going to achieve or be able to afford anything.
I am working two jobs now, and my 'other half' is working one, almost full time. both of us are still at a minimum wage of $7.90 I seriously feel like to have a nice car, or too be able to move out I am not going to be able to afford ANYTHING!!!!!!!!
and I feel like I am going to be driving my Chevy s10 forever. and I am just so frusterated!!! help me!!!
how do I save/make money fast?!!?!
and PLUS I owe my mom like 34897502394875 dollars and I have to pay car insurance again soon! AND GAS IS SO EXPENSIVE
i feel like ive fallen into the black pit of doom, help me!!!!
- Rep Power
- 17
Everyone feels that way from time to time. You need to look at the bright side of things such as you have a car that runs and a place to live. I dont know about your bills but when you are trying to get out of debt it seems like you will NEVER get there. You will slowly. Also while doing so, dont deprive yourself completely, treat yourself to something small and affordable05-29-2007, 06:06 AM #3
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- 11
I know the feeling
I had to jump on this one. I just started budgeting and planning and let me tell you I am farther down the black hole. But the first step is realizing by looking at the whole picture that accumulating debt didn't happen over night either so therefore being debt free won't come overnight. "BUT"... taking the first step to having a plan "IS" budgeting and planning.
After MONTHS of just blowing and going, my car was reposessed last month and we are now a one family car. I had become overwhelmed with gas rising prices and the car was really a piece of crap. It was from a "tote the note" place. I am now riding a DART (Dallas Area Rapid Transit) van that commutes from my hometown to Dallas (1 hour 10 min) each way. Last month I paid $190.00 in rideshare fees. Now that we've added 2 more riders my fare will be 80.00 a month. (So that's 20 bucks a week). I saved there. So I am using 1/2 the gasoline from the vehicle (if I was driving it) and putting it back into the debts and using the remaining to pay back the dealership.
It does get better.. REALLY it does.
~Melissa~Sponsored Links Remove Advertisements05-29-2007, 09:31 AM #4
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- 12
It all takes time. I noticed you're very young....... 18. It's a GREAT thing that you are looking at being frugal at this stage in your life. By starting now you'll be WAY ahead of the game as you get our age.
I have a daughter who's your age. She's sometimes feeling the same as you, working 2 jobs........ only she can't even afford a car.
We're teaching her to budget her money and be responsible for her spending choices. Most of her money goes to paying ½ her university tuition (we pay the other ½). She also puts her share of gas in my car because she's the one who uses it most.
Just set yourself up with a budget with what money you make. Are you still in school? Is there any way to make any more extra money?? Earning a little extra will help put that extra money away or pay off your mom faster and save for another car. Even the smallest amount.
As an example, we're trying to get our house paid off faster because my husband is possibly going to be out of work in a couple years (looks like the company might pull right out of our area). We are putting as much out of his paycheques away as possible. I have a small business I run out of my home. I was looking for a way to make some more extra money, but working where I wouldn't need a vehicle since my daughter takes mine to school. I started delivering newspapers in the morning. It's great exercise and an extra $30 a week. Doesn't sound like much, but it does add up and I'm putting it right on the mortgage.
I just think it's great that you're learning these life lessons so soon. You will be a better adult for it.......... believe me!05-29-2007, 09:40 AM #5
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Connie D
I read your siggy on the Dave Ramsey since 2004. DH and I are ordering the program this Friday and going to start this weekend.
I have so many questions but I'm sure the program will answer ALL of them.
Great job!05-29-2007, 09:58 AM #6
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- 12
I agree, everyone feels that way. I wish I had been smart enough to realize what I know now when I was eighteen. You've got a great head start05-29-2007, 02:55 PM #7
The black hole...
Hi Stars,
I see you are in Portland, Oregon. You may want to apply to OHSU. Since they are union everyone makes more than minimum wage even the janitors, cashiers and housekeepers etc. You also get full benefits as well as some tuition reimbursement and they contribute 12% to your retirement, which is vested after 5 years. There is also a subsidised bus pass program that can really cut down transportation costs.
There are many people here who started out with the company at 18 and never left. They use the tuition reimbursement (available for PCC and PSU) and the in house career center to further their education and since the union requires qualified members be promoted before outside people can be hired it is not difficult to move up if you are willing to work hard and study a bit. I have a high school education and make over $18 an hour. While this still isn't a lot in Portland ( I take home about 2,000 a month after taxes and you know what rent etc. is like here) the other benefits add up as well. Of course it can take several weeks to go through the hiring process and like any large business there is red tape to untangle but you may want to check it out.
Many of the positions that require little experience are part time but as we are union if you obtain one of these positions then when a full time one opens up you will be given the oportunity to bid into based on senority before the job is posted to the public.
I wanted to post the url for you but I have not posted enough to be allowed to do so yet. Google "OHSU" and "jobs" and it will be the first site on the list.
Christine05-29-2007, 04:13 PM #8
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- 13
I was 16 and working at McDonald's. One day I looked around and saw all these people who worked there 39 hours a week (they would have had to pay health insurance if you worked 40 hours) week after week, year after year. I realized that if I didn't want that life, I'd have to take school seriously.
Now you know what a high school diploma and no specific training will get you - lots of minimum wage jobs. So, does this motivate you enough to improve your education - either by going to community college then maybe complete a 4 year degree or to find a type of job that you can be trained in that has a future?
You are 18 years old. Thus you have 49 more years til Social Security kicks in. You have plenty of time to train, to better yourself and not be stuck in a minimum wage jobs for the next 49 years. Think big picture. Take an aptitude test as your first step.05-29-2007, 04:22 PM #9
- Rep Power
- 27
The best thing you can do for yourself is find out who you are. Decide what you want to be. NOt what kind of job you want, but rather what you would want to do for the rest of you life and persue it. Dont wake up 20 yrs from now in a trailer park with 8 kids a crappy car and a welfair check. LOL
Honestly, now is the time to seek out oppertunities and take abvantage of them. Get an education and then worry about buying a nice car and haveing a home with 2.5 kids and a dog. My dh and I did things a little backwards and now he is trying to go to school and work full time with two small kids and a morgage payment. Its hard but something we had to do.05-29-2007, 04:57 PM #10
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I think if you read further on the board here, you will find all kinds of ways to quickly reduce expenses. Food is a big area and prime target to start with. It's easy to find money in that area. When I first started being frugal, I picked food to work on. Within a month I was saving $100. Now I spend less than half what I used to ($200-250cdn/mth as compared to over $600/mth).
Check out some old posts and pick one thing at a time to work on so you don't get overwhelmed.
Another area I like to work on is cutting back on utilities. Often it's a simple habit like turning off lights when you leave the room. But there are lots of other ways to save.
I too have daughters roughly your age...mine are 20 and 22. I think it's great you're on the ball enough to even be aware this is an issue and that there may be a way to solve it (otherwise why post here?)! Take a deep breath, and let it out slowly. You can do this! You have control of your life and your destiny!
Go for it!
Jean05-29-2007, 08:13 PM #11
I will put in my 2 cents worth...we have all been where you are. The important thing is not to get so overwhelmed you toss up your hands and blow your $$ shopping or on something else silly ( I have a closet full of clothes to show for my spending....and the c.c. bills!). You do need to treat yourself once in awhile. Even going out for McD or an ice cream every now and then can be something you look forward to. ....something budget friendly.
I know everyone says focus on one bill at a time, which is great advice. Keep in mind where you want to be 1, 2, or 5 years down the line, if that helps keep you motivated! And save what you can, even $5 a week in a "new car fund" eventually will add up to something. Alas, there is no quick fix....keep your chin up.05-29-2007, 08:47 PM #12
When I was your age, I waited tables. I averaged about $15 an hour. I could eat off the menu at half price.
The last time I worked two jobs, I had a banquet serving job that paid $17.50 an hour. They also had an employee meal with each shift.
Does the Chevy s10 run ok? Are you making payments?
Last edited by Jenna; 05-29-2007 at 08:49 PM.05-30-2007, 09:51 PM #13
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I unintentionally saw the end of his interview on 60 minutes in Nov 2004. From what I heard it sounded interesting. I wanted to know more so I googled him on the web and his site came up. I was able to find his books on ebay and I also got the CD version of TMMO for my hubby 'cause he's not a reader. I wanted him to hear it and for us to get on "the plan" asap after that. We started that Dec and we got $24,000 paid off in the 17th month of being on the plan.
We've also now saved up to pay cash (have $13,250 so far) for a car when my "fleece" comes due the end of Sept. That's something we'd NEVER had done before. I'm very excited to not have the "fleece". We've been "fleecing" cars since 1994. We used to own our own cars, but then got caught up in the trend.......... Now we don't want to be "normal"
I'm sure you'll enjoy the program and do try whenever you can to listen to him. He's online from 2-5pm weekdays ......... click into his site to get on. I find it helps keep me focused when we start feeling the "I wants" creeping up on us.
Good luck guys............05-30-2007, 11:13 PM #14
- Rep Power
- 11
Keep your chin up...it takes time to pay things off, but you'll do it... You can be proud that you're starting out so early. I wish I had started at 18... My Dh and I have been working on paying off debt for years now. If you think you're in deep - we started at over $70K - student loans, CC's, car loans, etc. We're down to the mid $30's now!! It feels GREAT to watch it go down...even though there's a ways yet to go.
Like the earlier posters have said... Give yourself little treats. Fill out stuff for freebies online...then they can be little "treats" that just show up in your mailbox (instead of just bills). At no charge to you! Find out something that you really like that doesn't cost too much...a certain candy bar, going to the park, renting a 99 cent movie, trips to the library... That way you have things to look forward to.
And...best of all...you've always got your "frugal family" here. I know I count on these folks to help keep me focused and havin' a positive attitude (when I reeeeeeeally just want to go blow $$ on something I know I don't need). hehehe05-30-2007, 11:32 PM #15
I'm close to your age now. 22. Believe me you'll get there. I'm still getting there lol At your age I didn't really have bills but I spent it alot on useless stuff. Stuff that held no value and that I don't have today. Having alot of open income makes it so much easier to spend. What kinda expenses do you have? Maybe if you listed them we could help you more. I still spend a bit today but I control it better now that I have more bills I'm more focused on saving. Also I spend stuff on things I'll keep forever like my collection of figurines of faeries etc. That stuff I could actually sell for double now on ebay so it's kind of like interest to me and I try to buy things that'll retain value more. Before I bought alot of clothes but now I'm smarter and buy more clearance, in a larger size, etc. Look more into sales for food and that will help too. Without meaning to this month, I haven't gone at all food shopping except for milk, bread, and staples and have been using just stock I had on hand already so that's saved some food money right there.
Like others suggested you DEFINITELY will want to go to college. If not now you'll see that view in hopefully not too many years. I'm finally going to college this year. Being in debt is better then working retail forever and you'll end up more on top that way. It is NEVER too late to go to college. Even if you waited say 4 years you'll still have at least a good 30 years left to work before SS and thats still better than 40 in macdonalds. You'll make up that money lost in debt.
I make around 10.30 now. Are there any places you can work that pay more? I'd definitely try finding other jobs as that is way too little. I've never made below 8 and I can understand that being a lot harder to live on. Here's a very vague outline of my monthly budget:
Cable internet-40
Piano lessons-68
Savings-at least 300 monthly
Rest of the money is float money, fun money, etc. Some of my expenses of course will prob not pertain to you at all but just so you get an idea. It's very helpful writing everything down. When you write every single time you go out and buy something that's an eye opener to not spend so much.
I'm sure you can save enough for a car maybe in a year or 2. My first car was a real JUNKER. Horrible. After a year though I had enough to buy about an 9000 dollar used car but that car is reliable. No problems with it. No major fixings besides usual maintenance like oil change. My bf is having the same problem savings so I'm trying to help him now and so far he's saved 275 with an ingdirect account I helped him set up. You should definitely when you have enough money make a seperate account so it's harder to touch. My bf has been working a good 2 years with NOTHING saved and I've been trying to get through to him he needs to stop touching his money and using his atm otherwise he'll never save or accomplish anything. It helps to look at the larger picture as well on what you'd like to be and that can be motivating.
Another thing I suggest is building your credit. I had set my bf one cc account and he's now onto a second rewards card now that he has better credit. Let your credit card pay you with points and cash back. Always pay in full! And let them pay you. Its good to build credit for when you need a loan to get a lower interest rate
Last edited by paintedsky; 05-30-2007 at 11:36 PM.
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