text:
There are three key food groups that we can regard
as "toxic foods" in that they are known to
produce high levels of
free radicals, that is, they do not support the
antiaging wellness program.
Many of the foods you purchase contain corn syrups.
Fruit Juice - Juices contain around
8 to 10 percent sugar; usually added sugars extracted
from grapes, apples or other fruits rather than from
sugar cane. Diabetics
shouldn't drink fruit juices because they drive blood
sugar levels too high, nor should people who are trying
to lose
weight drink fruit juices because a rise in sugar
calls out extra insulin that makes you hungry.
And, in spite the juice bar craze, juices are not healthier
than whole fruits or vegetables. How can an extract
from food be more healthful than that food? A glass
of orange juice contains about one tenth as much fiber
as an orange and twice the calories.
Colas - each can of soda has about
10 teaspoons of sugar, 150 calories, 30 to 55 mg of
caffeine, and is loaded with artificial food colors
and chemicals. Studies have linked soda to osteoporosis,
tooth decay, and heart
disease. Despite this, soda accounts for more than
one-quarter of all drinks consumed in the United States;
the average American drinks an estimated 56 gallons
of soft drinks each year. Each can contains:
There are four kinds of fats:
Trans fats cause significant and serious lowering of
HDL (good) cholesterol and a significant and serious
increase in LDL (bad) cholesterol; make the arteries
more rigid; cause major clogging
of arteries; cause insulin resistance; cause or
contribute to type
2 diabetes; and cause or contribute to other serious
health problems.
Full Details on Trans Fats
a list of Foods to Avoid
Alloxan, a chemical that is used to bleach flour,
also destroys the beta cells in your pancreas. If you
occasionally eat bread or pasta, choose those made from
whole grain.
On our good food list you may find it interesting that
we have included both chocolate and caffeine, these
two both have a place to play in our antiaging wellness
program diet.
Avoid virtually all fast food and chain restaurants
and most processed foods. Nearly all of them contain
some form of Monosodium Glutamate (MSG). MSG makes you
gain weight by affecting the pancreas, resulting in
increased insulin secretion. This causes food cravings,
increased fat storage, and obesity. MSG is also linked
to diabetes, migraine headaches, neurological and behavior
disorders, autism, asthma, ADHD, and
hormonal dysfunction.
MSG creates an addictive response, making you crave
and eat more of the foods that have this chemical in
MSG is disguised on food labels using over 25 different
terms, including: natural flavoring, hydrolyzed vegetable
protein, autolyzed yeast, calcium caseinate, sodium
caseinate, gelatin, maltodextrin, potassium glutamate,
and textured protein.
Toxic farm chemicals are designed to stay on the plants
through watering and rain. Conventionally grown spinach,
for example, can have as many as 10 different residues
on a single sample - AFTER it has been washed.
Farm-raised fish and commercially raised meat and dairy
can contain harmful levels of dioxins, PCBs, hormones,
antibiotics, and pesticides. And most wild fish are
contaminated with mercury. Always choose naturally raised
animal products.
Processed foods are loaded with artificial ingredients
of no nutritional value and may be highly damaging to
your health. Avoid all artificial sweeteners other than
Xylitol, and food additives, such as MSG and fake fats
(hydrogenated oils)
Back to Top


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Cactus & Llama decorations at Mini Mi
We just found these fun decorations in Mini Mi. Really cute, lots of colour, well made and we don't think these are just for Christmas, these decorations are for life.
Firstly there's a colourful and cute Christmas tree decoration in the shape of a cactus crafted in dark green acrylic and finished with gold embroidery thread and a neon pink tassel.
The second you see is a cute Llama crafted in wood with shiny gold foil details and embellished with brightly coloured pom-poms and a tassel.
Pop down to Mini Mi in store or online to grab yours, don't forget to explore the shop on their Cream page too!

subset: commoncrawl


text:
Two of British Columbia's most iconic species, chinook salmon and southern resident killer whales, are in trouble. The whale depends on the salmon for survival. Is it time to manage chinook fisheries with killer whales in mind?
In marine ecosystems, cause and effect is a challenge. It's almost impossible to claim with certainty that depletion of one species is caused by abundance or lack of another. The general rule is that big things eat smaller things, so any given species will eat dozens of others, even their smaller kin.
The southern resident killer whales, also known as orcas, are an exception. Despite their immense intelligence, or perhaps because of it, their diet consists almost entirely of chinook salmon, with only traces of other salmon, and virtually no other fish species. The endangered whales are seen from spring through fall searching for their preferred prey in the waters of the Salish Sea, and between the San Juan Islands in Washington State and the Gulf Islands in B.C.
Save the salmon, save the whales
Every killer whale population has its own unique culture, which includes language, social behaviours and dietary preferences. A large male weighs nearly as much as two Ford 150 pickup trucks. Sustaining this mass of warm-blooded flesh in a cold ocean requires using echolocation to find and capture fish in the darkness. Understanding the patterns of their chinook prey is a highly specialized activity passed on through generations of learned behaviour.
After each capture, an orca normally shares the fish with the pod. That's remarkable considering the whale could practically swallow the prey whole. If the 78 southern resident killer whales that remain in our oceans are to survive, this cultural feeding ritual needs to occur about 1,400 times a day. That's become difficult, as chinook salmon populations that migrate through waters where the southern resident killer whales feed are severely depleted, and the fish are smaller on average than they once were.
Fisheries and Oceans Canada's assessments show most chinook populations in southern B.C. are well below historical levels and continue to decline. In November 2018, the Committee on the Status of Endangered Wildlife in Canada will determine the status of several populations, and will likely declare many endangered.
Fishing is not the only threat chinook face, but it has a major impact. Fishing tends to target salmon as they return to spawn — after they've survived, against all odds, through 99 per cent of their expected lives. Those that spawn hold the genetic blueprint to help their offspring withstand current environmental conditions. With far fewer chinook making it to spawning grounds, each survivor is a critical contributor to the next generation. Estimates show commercial and sport fisheries in British Columbia took more than half a million chinook in 2016. For some chinook populations, people harvest well over half the returning fish.
Creating a recovery strategy
Noise from shipping also hinders the whales' ability to communicate with each other, find prey and avoid danger — by up to 97 per cent in the noisiest areas. Commercial shipping has increased dramatically in recent years. One large ship transits the Salish Sea, on average, every hour of every day of every year.
Federal whale biologists have identified a priority recovery strategy: create refuges where orcas can feed without competition from fisheries and that are quiet enough that echolocation is not masked and social behaviours aren't disrupted. These areas are currently being identified and could be established within killer whale critical habitat areas. Many other issues, including pollution, must also be addressed.
Rebuilding chinook populations is critical to rebuilding whale populations, yet there are no recovery plans to increase chinook populations to upper benchmarks, as required by Canada's Wild Salmon Policy. More than 300,000 recreational fishing licences are issued annually in B.C., which creates a formidable competitor to killer whales. Like whales, humans have also learned over generations about the behaviour of their prey.
The federal government is undertaking a scientific review to prioritize killer whale recovery actions. Part of this process involves public consultation. Anyone concerned about orcas should contribute.
Understanding the importance of chinook to killer whales makes it difficult to justify catching them without considering the whales' needs. The complexity of marine ecosystems makes it easy for individuals to point fingers to the myriad other threats such as climate change and habitat destruction. But we must recognize that, collectively, our habits have become destructive to the environment and other species.
The fate of two of British Columbia's most iconic animals and the ecosystems and economies that depend on them rests in our hands.
— Written with contributions from David Suzuki Foundation senior research scientist Scott Wallace.
Investigative journalism has never been more important. Will you help?Subscribe
Chinook feed on herring. So
Chinook feed on herring. So do a lot of other fish species. The inane practice of over harvesting our herring populations, and their roe, by both commercial and first nations fisheries in the Salish Sea needs to have a five-year moratorium.
Then the Chinook will return. And then while we're at it, get the disease spreading fish farms to shut down as well. Its moronic.
And please, can we start implementing the Cohen Commission's recommendations? How many years has it been?
Today's must read
Skin to skin, right from the start
Taking Quebec by storm
Pipeline 'man camps' loom over B.C.'s Highway of Tears
EXCLUSIVE: Canada deploys 'multi-pronged' lobbying to stop EPA cuts
Islamophobie, droit des travailleurs et environnement: entrevue exclusive de GND
McKenna addresses 'climate Barbie' furor, slams rampant sexism on the right
B.C.'s new gov't must protect foster kids from the fate that befell Santana Scott-Huntinghawk
Resolute urged mayors to protest Wynne government legislation
Trudeau assesses Trump climate policy and reminisces about Harper years
Torture and interrogation the CSIS and RCMP way
Fossil fuel expansion crushes renewables
Why some campaigns lose while others win
Suzuki debunks climate change deniers' claims about plants
Enbridge suspends work on pipeline expansion following inspection
Pipeline regulator shared a reporter's bank info by 'accident'
National Observer shortlisted for four Canadian Online Publishing Awards
Justin Trudeau and Theresa May form alliance on climate battlefield
Documents reveal extent of Alberta oil giants' grip on B.C. under Christy Clark
Canada to speak up for Rohingya Muslims at United Nations: Freeland
White House denies softening climate change position at Montreal meeting
Facebook launches artificial intelligence research lab in Montreal
Is bigotry blinding CSIS and the RCMP — to disastrous effect?
It was a fiery hate crime targeting Muslims
Hydro-Québec abandons dam project on majestic Magpie River
As scientists criticize, Trudeau government explores ozone funding 'options'
Tory critic wants access to secret NAFTA texts
The pillow, the sword and the pipeline: the scoop that unraveled Energy East
Andrew Weaver 'absolutely thrilled' by new budget for B.C.
A harrowing journey through Montreal's fentanyl crisis
Did Catherine McKenna just contradict Trudeau on climate change?
Who hid the electric car?
Canada's economic growth could seriously muck up our climate goals
Here's looking at you, Canada
WATCH: Le Social Justice Warrior Show
The party in the orchard
UN climate panel to put human behaviour under microscope
There's no money to restart a probe into climate-doubting ads
B.C. government should look hard at Chevron's human rights record
Alberta national park evacuated; firefighters ready to defend its buildings
Canadians living in the path of hurricane Irma preparing for the worst


text:
These videos of puppies and dogs and cats seeing themselves in the mirror for the first time are always really funny. The dogs never seem to understand what is going on and the cats always freak out a little, this video in particular is no let down as this corgi puppy see's himself in the mirror for the first time and runs away scared.
- About Video Burglar
- Funny
- Animals
- VB Pictures
- More Categories


text:
We are recruiting players for iOS AlwaysHostile. Currently we are number 1 in donations and number 35 in might. Players should be 180,000 might or above. No donations required, no guild wars minimum score, no Line chat needed, no micromanaging, and no nonsense. Have fun and grow strong. Boss at 21:00 and 21:30 daily. Lava and Infernal Summit at 21:05. We do lava 3 each day without needing to create teams or setups as no coordination is necessary. Our players are strong enough to handle any challenges. Fortress Feud at 20:00. Applications are welcome.
[Guild] AlwaysHostile #1 / #35 Welcoming 180K Might and Above
[Copy link] 14/191 [Favorite]
We are still able to make room for active recruits. Please read the guild description above before applying. Thank you.
We have room for two more recruits. Thank you.
- FsanchezGSXR Rated on
Any room for 130k might? I'm very active. Looking for a group that's active in Lava
- Judicious-Fire Rated on
If upon joining you are able to raise your might, then yes, please apply.
- FsanchezGSXR Rated on
Raise it as in from having books hoarded?? My night isn't inflated by having a bunch of useless heroes upgraded or doubles. If you have Line chat. Send me your name and I'll show you what I have.
- FsanchezGSXR Rated on
Active players are welcome. Please read the guild description.
We have three open spots available. Please read the guild description up top. Thanks.
Thanks for the applications. I am making room for more high might players. Please apply if the guild description is of interest to you.
We are still accepting new recruits. Thanks.
As new applicants apply, we are making room. Looking for active players. Thanks.
- dragonrexs Rated on
Very interesting...i have might 200k, and want to join, but i see only 1 space available...i must quit old guild and wait 24 hours before i can try to join...i dont think can make it...very sad :(
- Judicious-Fire Rated on
Apply and I will make room for you, dragonrexs.
- dragonrexs Rated on
Cool...i will apply today about 9 server time...can i apply 2 id in your guild? 200k and 190k might :)
- dragonrexs Rated on
Ign aantegal, aansip
- Judicious-Fire Rated on
If they are both active accounts then yes, apply with both.
I have 205K might. Lots of maxed out heroes
If you send me your LINE I can message you. I can't apply cause I'm currently in a guild
- Judicious-Fire Rated on
I don't use line. If you want me to save a space for you I will. Apply when you are able.


text:
You'll be able to watch Park Seo Joon and ZE:A's Hyungsik on '1 Night 2 Days' soon!
The producers of the show confirmed that the two stars are the upcoming guests. It's also revealed that the filming with Park Seo Joon and Hyungsik will take place on November 25.
SEE ALSO: [OP-ED] How SoundCloud is Changing the Korean Music Scene as We Know It
Meanwhile, Hyungsik and Park Seo Joon are co-stars for the new KBS drama 'Hwarang', which has already completed filming.
You can watch the Hyungsik and Park Seo Joon combo on '1 Night 2 Days' as well as 'Hwarang' in December!


text:
A Comprehensive list of Critique and advisory services for writers
If you would like to be included in our directory, you can promote your business here, subject to our approval. Enter your details by clicking on the add your business button.
Experienced editor and writer providing copy/content/line editing, proofreading and beta reading. Feedback on all aspects of your manuscript. Help with synopsis writing, query letters, blurbs, self-publishing and promotion. Excellent rates ...
01553 676611
A proven reading/criticism and qualitycopy-editing service for new and published writers. Hilary has over 25 years of experience offering high quality appraisals of authors' work. All fiction genres covered, including science fiction/fantasy, also literary fiction, non-fiction, including memoir and ...
A family-run business with over 15 years of experience. Knowledge of creating layouts for CreateSpace and IngramSpark but we can work to any printer's specs. We can help you create a professional-looking layout that's indistinguishable from mainstream-published books, designing a book that is a ...
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Swanwick Summer School runs from 12-18 August and is a week-long programme for writers of all ages, abilities and genres. Featuring courses, workshops, guest speakers, panels and one-to-one sessions, it offers you the opportunity to learn new skills, explore your creativity, perform your poetry, ...
Non-fiction advice, including writing book proposals, by published author.
A writer's workshop offering retreats in Spain and France.
Clarity are experts in writing, communications and training for business and individuals.
Speedy proof reading service, ideal for documents translated into English.
Crime Writers' Association promote crime genre and support professional writers.
Critique and editing service by professional editors and literary agents at affordable rates.


text:
8 months ago
Use face-time with your telephone, now avalaible on all systems
Available your FaceTime software and register with your Apple identity (you can even do that from Options > FaceTime). If youre utilizing an iPhone, your contact number is instantly registered by FaceTime. To also enroll your email address enga read more...
8 months ago


text:
Oakton Community College nurse education
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Get info about Oakton Community College nurse education, and registering for discussion sections. Which college degrees give you the best chances of finding employment after graduation? Completion of an accredited nursing program or other medical training can qualify you to start working in a private hospital immediately. Concentrating on Oakton Community College nurse education, for example, you may gain an advantage in job recruiting on-campus. Check with the RN department for course registration deadlines, and registered nurse program requirements. Please use the form above to request admissions info for Oakton Community College.
To become a Registered Nurse(RN), you will be required to take courses in medical terminology, patient care and life sciences. Although associate degree programs provide students with adequate nursing training, a bachelor's degree provides greater clinical exposure and a stronger general education. A 4-year BSN program allows students to study specialized areas of nursing, including pediatrics, geriatrics and mental health nursing. An RN has to cope with more responsibility, and must oversee the work of LPNs and CNAs under their supervision. If you wish to continue advancement, a masters degree and several years of experience as a nurse, may qualify you for the Nurse Practitioner (NP) credential. Nursing job openings are projected to grow 16 percent over the coming decade, much faster than the average for all occupations. The average salary for nurses with an Associates degree was $43,700 in 2017, while nurses with a Bachelors degree earned $67,490 per year.
Certification requirements include board certification by the American Nurses Credentialing Center (ANCC) and the American Academy of Nurse Practitioners (AANP). The license period varies by individual state, but is usually valid for either two or three years, at which time you'll need to renew. Registered nurses (RNs) are not required to be certified in a particular specialty by state law. For example, it isn't necessary to be a Certified Medical-Surgical Registered Nurse (CMSRN) to work on a hospital Medical-Surgical (MedSurg) floor, and most MedSurg nurses are not CMSRNs. To keep your license current, you must take continuing education courses, and renew your license every few years. There are a fixed number of credits that each state requires, and if you work in a hospital facility, these courses may be offered on-site. Beyond major requirements within the RN department, you may consider New Mexico State University paramedic training as a complementary elective to your primary course of study.
Staff RN Orthopedics (7am
Catholic Health Initiatives
Registered Nurse (RN) License as recognized by the Texas State Board of Nursing. Participates in quality of care activities, evaluates the quality and the..
3 hours ago Staffing Coordinator
Torrance Memorial Medical Center
For analyzing, coordinating, and maintaining nursing personnel time schedules. Makes a daily adjustment in staffing for the Division of Nursing..
3 hours ago Emergency Rm RN - Clinic
Kaiser Permanente
As the leader of the health care team, provides professional nursing care, utilizing the nursing process in accordance with established standards of care.
5 hours ago Full Time LVN
Hope Springs Recovery
Full time position for and LVN at an all male rehab in Lake Arrowhead. Previous experience helpful. We will train the right candidate. Job Type: Full-time.
4 hours ago Quality Assurance Nurse
VIVA Pediatrics
Keep nursing documentation/paperwork. Pediatric Home Health agency looking for a Quality Assurance Nurse in the Fort Worth office.
3 hours ago CERTIFIED NURSING ASSISTANTS
Consulate Health Care
Cares for residents in nursing home, under direction of nursing and medical staff. Knowledge of regulatory standards and compliance requirements..
1 hour ago


text:
Are you looking for GED testing in Linn Creek MO? The General Education Development (GED) test is only offered in person and not online. Usually to be able to take the General Education Development (GED) examination the student must be older than 17 years old. The GED testing fee in the state of Missouri varies from $40-$90.
The General Education Development (GED) test covers five tests: reading, writing, math, science and social studies. Each part of the test awards a score between 200-800. Many states require students to receive a score of 410 on each of the five tests and an average of 450 for the GED exam to pass.
Usually GED testing centers in Linn Creek MO are offered at:
- Linn Creek High Schools
- Linn Creek Community Colleges
- Linn Creek Independent School District
- Linn Creek Adult Education Centers


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Beyonce Knowles was crowned queen of the GRAMMYS last night (08FEB04) when she picked up a staggering five gongs at the music world's Oscars.
The singer stole the show with two stunning performances, including an opening extravaganza with PRINCE - and then watched as one by one five of her six nominations for megahit Crazy In Love and number one album DANGEROUSLY IN LOVE claimed prizes.
The DESTINY'S CHILD singer missed out on a clean sweep when British group Coldplay grabbed their sole award of the night in the Record of The Year category for CLOCKS.
Elsewhere, it was a good night for the ailing and the dearly departed - Luther Vandross, who is recovering from a heart attack, claimed four gongs, while there were also honours for Johnny Cash, JUNE CARTER CASH and WARREN ZEVON.
And there was a surprise Grammy for former world leaders Bill Clinton and Mikhail Gorbachev. The pair picked up a gong for their spoken word efforts on children's album PETER + THE WOLF.
The full list of winners at the 46th annual Grammys is as follow:
Record of The Year - CLOCKS by COLDPLAY
Song of The Year - DANCE WITH MY FATHER by RICHARD MARX + Luther VANDROSS
Album of The Year - SPEAKERBOXXX/THE LOVE BELOW by Outkast
Best New Artist - Evanescence
Best R+B Performance (Duo/Group) - THE CLOSER I GET TO YOU by LUTHER VANDROSS + BEYONCE
Best Traditional R+B Performance - WONDERFUL by Aretha Franklin
Best Urban/Alternative Performance - HEY YA! by OUTKAST
Best R+B Song - CRAZY IN LOVE - BEYONCE FEAT. Jay-Z
Best R+B Album - DANCE WITH MY FATHER by LUTHER VANDROSS
Best Female R+B Vocal Performance - DANGEROUSLY IN LOVE 2 by BEYONCE
Best Male R+B Vocal Performance - DANCE WITH MY FATHER - LUTHER VANDROSS
Best Contemporary R+B Album - DANGEROUSLY IN LOVE by BEYONCE
Best Female Rap Performance - WORK IT by Missy Elliott
Best Male Rap Performance - Lose Yourself by Eminem
Best Rap Performance (Duo/Group) - SHAKE YA TAILFEATHER by Nelly, P DIDDY + Murphy Lee
Best Rap/Sung Collaboration - CRAZY IN LOVE by BEYONCE FEAT. JAYZ
Best Rap Song - LOSE YOURSELF by EMINEM
Best Rap Album - SPEAKERBOXXX/THE LOVE BELOW by OUTKAST
Best Pop Collaboration - WHENEVER I SAY YOUR NAME by Sting + Mary J Blige
Best Pop Instrumental Performance - MARWA BLUES by George Harrison
Best Pop Instrumental Album - MAMBO SINUENDO by Ry Cooder + MANUEL GALBAN
Best Pop Vocal Album - JUSTIFIED by Justin Timberlake
Best Traditional Pop Vocal Album - A WONDERFUL WORLD by Tony Bennett + kd lang
Best Pop Performance (Duo/Group) - UNDERNEATH IT ALL by No Doubt
Best Male Pop Vocal Performance - CRY ME A RIVER by JUSTIN TIMBERLAKE
Best Female Pop Vocal Performance - BEAUTIFUL by Christina Aguilera
Best Hard Rock Performance - BRING ME TO LIFE by EVANESCENCE
Best Alternative Album - Elephant by White Stripes
Best Metal Performance - ST ANGER by Metallica
Best Female Rock Vocal Performance - TROUBLE by Pink
Best Male Rock Vocal Performance - GRAVEDIGGER by Dave Matthews
Best Rock Performance (Duo/Group) - SEVEN NATION ARMY by WHITE STRIPES
Best Rock Instrumental Performance - Plan B by Jeff Beck
Best Rock Album - ONE BY ONE by Foo Fighters
Best Rock Performance (Duo/Group) - DISORDER IN THE HOUSE by Warren Zevon + Bruce Springsteen
Best Male Country Vocal Performance - NEXT BIG THING by Vince Gill
Best Female Country Vocal Performance - KEEP ON THE SUNNY SIDE by JUNE Carter Cash
Best Country Performance (Duo/Group) - A SIMPLE LIFE by Ricky Skaggs + KENTUCKY THUNDER
Best Country Collaboration - HOW'S THE WORLD TREATING YOU by James Taylor + Alison Krauss
Best Country Instrumental Performance - CLUCK OLD HEN by ALISON KRAUSS + UNION STATION
Best Country Song - IT'S FIVE O'CLOCK SOMEWHERE by Alan Jackson + JIMMY BUFFETT
Best Country Album - LIVIN', LOVIN', LOSIN' - SONGS OF THE LOUVIN BROTHERS by Various Artists
Best Bluegrass Album - LIVE by ALISON KRAUSS + UNION STATION
Best Reggae Album - DUTTY ROCK by Sean Paul
Best Dance Recording - COME INTO MY WORLD by Kylie Minogue
Best New Age Album - ONE QUIET NIGHT by Pat Metheny
Best Contemporary Jazz Album - 34TH N LEX by Randy Brecker
Best Jazz Vocal Album - A LITTLE MOONLIGHT by Dianne Reeves
Best Jazz Instrumental Solo - MATRIX by CHICK COREA
Best Jazz Instrumental Album - ALEGRIA by WAYNE SHORTER
Best Large Jazz Ensemble Album - WIDE ANGLES by MICHAEL BRECKER QUINDECTET
Best Latin Jazz Album - LIVE AT THE BLUE NOTE by MICHAEL CAMILLO FEAT. CHARLES FLORES + HORACIO HERNANDEZ
Best Rock Gospel Album - WORLDWIDE by AUDIO ADRENALIN
Best Pop/Contemporary Gospel Album - WORSHIP AGAIN by MICHAEL SMITH
Best Southern, Country or Bluegrass Gospel Album - RISE + SHINE by RANDY Travis
Best Traditional Soul Gospel Album - GO TELL IT ON THE MOUNTAIN by THE BLIND BOYS OF ALABAMA
Best Contemporary Soul Gospel Album - ...AGAIN by Donnie McClurkin
Best Gospel Choir/Chorus Album - A WING + A PRAYER by THE POTTER'S HOUSE MASS CHOIR
Best Latin Pop Album - NO ES LO MISMO by Alejandro Sanz
Best Latin Rock/Alternative Album - CUATRO CAMINOS by Cafe Tacuba
Best Traditional Tropical Latin Album - BUENOS HERMANOS by Ibrahim Ferrer
Best Salsa/Merengue Album - REGALO DEL ALMA by Celia Cruz
Best Mexican/Mexican-American Album - AFORTUNADO by JOAN SEBASTIAN
Best Tejano Album - SI ME FALTAS TU by JIMMY GONZALEZ Y EL GRUPO MAZZ
Best Traditional Blues Album - BLUES SINGER by Buddy Guy
Best Contemporary Blues Album - LET'S ROLL by Etta James
Best Traditional Folk Album - WILDWOOD FLOWER by JUNE CARTER CASH
Best Contemporary Folk Album - THE WIND by WARREN ZEVON
Best Native American Music Album - FLYING FREE by BLACK EAGLE
Best Traditional World Music Album - SACRED TIBETAN CHANT by THE MONKS OF SHERAB LING MONASTERY
Best Contemporary World Music Album - VOZ D'AMOR by CESARIA EVORA
Best Polka Album - LET'S POLKA AROUND THE WORLD by JIMMY STURR
Best Musical Album For Children - BON APPETIT! by CATHY FINK + MARCY MARXER
Best Spoken Word Album For Children - PROKOFIEV: PETER + THE WOLF/BEINTUS: WOLF TRACKS by BILL CLINTON, MIKHAIL GORBACHEV + SOPHIA LOREN FEAT. THE RUSSIAN NATIONAL ORCHESTRA
Best Spoken Word Album - LIES + THE LYING LIARS WHO TELL THEM... by AL FRANKEN
Best Comedy Album - POODLE HAT by Weird Al Yankovic
Best Musical Show Album - Gypsy by JAY DAVID SAKS
Best Compilation Soundtrack Album For A Motion Picture/TV - CHICAGO by VARIOUS ARTISTS
Best Movie Score - The Lord Of The Rings: THE TWO TOWERS by HOWARD SHORE
Best Movie Song - A Mighty Wind by FOLKSMEN, MITCH + MICKEY, NEW MAIN STREET SINGERS
Best Instrumental Composition - SACAJAWEA by WAYNE SHORTER
Best Instrumental Arrangement - TIMBUKTU by MICHAEL BRECKER + GIL GOLDSTEIN
Best Instrumental Arrangement Accompanying Vocalist(s) - WOODSTOCK by VINCE MENDOZA/Joni Mitchell
Best Recording Package - EVOLVE by Ani DiFranco
Best Boxed Or Special Limited Edition Package - THE COMPLETE JACK JOHNSON SESSIONS by Miles Davis
Best Album Notes - MARTIN SCORSESE PRESENTS THE BLUES: A MUSICAL Journey by VARIOUS ARTISTS
Best Historical Album - MARTIN SCORSESE PRESENTS THE BLUES: A MUSICAL JOURNEY by VARIOUS ARTISTS
Best Engineered Album - Hail To The Thief by Radiohead (Nigel Godrich + DARRELL THORP
Producer of The Year - The Neptunes
Best Remixed Recording - CRAZY IN LOVE (MAURICE'S SOUL MIX) by MAURICE JOSHUA, BEYONCE FEAT. JAY-Z
Producer Of The Year, Classical - STEVEN EPSTEIN
Producer Of The Year, Classical - STEVEN EPSTEIN
Best Classical Album - MAHLER: SYMPHONY NO. 3; KINDERTOTENLIEDER by MICHAEL TILSON THOMAS, MICHELLE DEYOUNG + ANDREAS NEUBRONNER
Best Orchestral Performance - MAHLER: SYMPHONY NO. 3 by PIERRE BOULEZ, conductor
Best Opera Recording - JANACEK: JENUFA by BERNARD HAITINK, conductor
Best Choral Performance - SIBELIUS: CANTATAS by PAAVO JARVI, ELLERHEIN GIRLS' CHOIR + ESTONIAN NATIONAL MALE CHOIR
Best Instrumental Soloist(s) Performance (with Orchestra) - BRITTEN: VIOLIN CONCERTO/WALTON: VIOLA CONCERTO by MSTISLAV ROSTROPOVICH
Best Instrumental Soloist Performance (without Orchestra) - HAYDN: PIANO SONATAS NOS. 29, 31, 34, 35 + 49 by EMANUEL AX
Best Chamber Music Performance - BERG: LYRIC SUITE by KRONOS QUARTET + DAWN UPSHAW
Best Small Ensemble Performance (with or without Conductor) - CHAVEZ: SUITE FOR DOUBLE QUARTET by JEFF VON DER SCHMIDT, conductor
Best Classical Vocal Performance - SCHUBERT: LIEDER WITH ORCHESTRA by THOMAS QUASTHOFF + ANNA SOFIE VON OTTER
Best Classical Contemporary Composition - ARGENTO: CASA GUIDI by DOMINICK ARGENTO
Best Classical Crossover Album - OBRIGADO BRASIL by Yo-yo Ma
Best Short Form Music Video - Hurt by JOHNNY CASH
Lifetime Achievement Award - THE FUNK BROTHERS
Lifetime Achievement Award - THE FUNK BROTHERS
Lifetime Achievement Award - Carole King + GERRY GOFFIN
Lifetime Achievement Award - VAN CLIBURN
Lifetime Achievement Award - DOC WATSON
Lifetime Achievement Award - ELLA JENKINS
Lifetime Achievement Award - Artie Shaw
NARAS Trustees Award - MARY McPARTLAND
Presidents Award - THE Beatles09/02/2004 04:45
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Watch the trailer for ObsessedBeyonce Knowles takes on an unlikely role in Obsessed. Sharon Charles...
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If only they had let Bill Condon direct Chicago instead of just writing the screenplay....
DreamgirlsTrailer StreamBeyonce Knowles, Listen, VideoNew ClipStarring Beyonce Knowles, Jamie Foxx, Danny Glover and Eddie...
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The cameo-driven, "Mission: Impossible 2"-spoofing, movie-within-a-movie, pre-title sequence of "Austin Powers in Goldmember" is the...
In 2003, Brooklyn rapper Jay-Z (a.k.a. Shawn Carter) called it quits after an eight-year career....


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The administration said today that it might go ahead with a national missile defense system, even if it meant withdrawing from the 1972 Antiballistic Missile Treaty over Russian objections.
''We will not permit any other country to have a veto on actions that may be needed for the defense of our nation,'' Walter B. Slocombe, undersecretary of defense for policy, said today in a speech at the Center for Strategic International Studies.
The first deployment -- 200 missile interceptors and a radar station in Alaska -- would break the treaty, which limits the number, type and placement of defensive missiles in Russia and the United States. That would require renegotiating the treaty, which Moscow has been resisting.
Today Russia won support for keeping the treaty intact from many of Washington's allies in a largely symbolic vote at the United Nations. A Russia-sponsored resolution opposing any new missile defense system that ''attempts to undermine or circumvent the ABM treaty'' won a lopsided committee vote of 54 to 7, with all of the members of the European Union either voting with Russia or abstaining.
Next summer Mr. Clinton will decide whether to begin deploying a $10 billion missile system. This revamped ''star wars'' network, which is designed to knock down incoming enemy missiles, is not large enough to be aimed at Russia or any other major nuclear power. Instead, it is meant to protect all 50 states from small missile attacks from countries like North Korea.Continue reading the main story
In his speech today, Mr. Slocombe said that in the next 15 years, North Korea, Iran and possibly Iraq ''are likely to be able to field intercontinental-range missiles that could deliver chemical, biological or nuclear weapons against the territory of the United States.''
Mr. Slocombe said the administration believed that Moscow would eventually agree to modify the treaty, clearing the way for the United States to deploy the missiles.
But in the past month, since the United States successfully tested a crucial element of the missile network, Moscow has repeatedly demanded that the treaty be preserved, even taking its campaign to the United Nations.
While insisting that the administration remains committed to the treaty, Mr. Slocombe argued that Russia shares some responsibility for recognizing that rapid technological changes and new political realities require changes in the treaty.
Several European countries have raised questions about the wisdom of threatening to withdraw from the treaty, which has been the basis for nearly every nonproliferation agreement.
Germany's Foreign Minister, Joschka Fischer, said in Washington on Thursday that he believed the administration's willingness to consider abandoning the treaty was based on political calculations in the upcoming presidential elections. Otherwise, he said, it could mean a change in the United States policy of promoting disarmament.
''Everyone should think very carefully about the results of scrapping the treaty,'' he said. ''Is it better to have Russia in the framework and under the control of international treaties or not? Yes or no?''
The treaty bars the United States and Russia from building nationwide systems, allowing each only one site for limited defenses. Until recently the United States had its small, limited system in North Dakota, but tore it down in anticipation of deploying a new system in Alaska.
Russia has retained its antiballistic missile system of radars and missiles built around Moscow during the Soviet era. On Wednesday, Russia announced that it had tested a short-range interceptor missile for that system, an act several Pentagon officials interpreted as a warning against further American testing of its system.
The Pentagon has scheduled two more tests of the system for next spring, before the president makes his decision in June. Though those are to be followed by 16 more tests, weapons experts doubt that the first three tests will provide enough information to make a sound judgment.
''By next summer we will have no technical basis on which to make a very serious decision about whether this system is ready to go,'' said Tom Z. Collina, director of arms control at the Union of Concerned Scientists.
He argued that such a decision should not be made in the heat of the presidential campaign.
''The stakes are too high,'' he said. ''If we pull out of the ABM, the administration is inviting the collapse of other treaties.''Continue reading the main story


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London by Burberry for Men
Click Image for Gallery
London is a city of cultural sophistication and elegance and Burberry London for Men by the house of Burberry exudes the same properties. The scent is designed to perfectly complement the perfect personality of a Londoner and add to his elegant style and alluring looks. The scent is packed in 100ml Eau de Toilette bottles. The packaging of the scent reminds one of the cold winter days of London when the London streets are swarmed by people in warm coats.
Year Launched: 2006
Fragrance House: Burberry
Top Notes: Cinnamon, Bergamot and Lavender
Heart Notes: Leather and Mimosa
Base Notes: Oak moss, Guaiac wood and Tobacco Leaf
Type: Eau de Toilette
Classification: Oriental Spicy
Recommended Use: Casual
|Top notes
|Cinnamon, Bergamot and Lavender
|Mid Notes
|Leather and Mimosa
|Base Notes
|Oak moss, Guaiac wood and Tobacco Leaf
|Perfume/Olfactory Group
|Recommended Use
|Eau De Toilette
|Vital Stats
|Product Packaging


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Nanga Parbat Adventure Organize a true story on Nanga Parbat
A German team announced here to produce a film based on the story of two brothers who climbed Nanga Parbat, in 1970 and one of them died during the descent. The surviving climber is among the members of the cast. In a press briefing, film Director Joseph Vilsmaier and famous climber Reinhold Messner said they would produce the film for the world cinema, highlighting the worlds fastest –Growing Mountain and the adventure that mountaineers take up while reaching the summit. The film director said they had come to Pakistan to shoot on Nanga Parbat and take it to the world showing the audience the natural beauty and the adventurism in the Northern Areas of Pakistan
The German director said the film would cost US$ 6.9 million, adding that latest techniques would be used in the production of the 100- minute film.


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Downtown Fairbury - A Good Investment
January 2011 - New investment dollars are pouring into downtown Fairbury's Commercial Historic District. It is estimated that over $2 million has been spent by property owners to make improvements in the District in 2009-2010, and more projects are in the works.
The beauty and significance of Fairbury's Commercial Historic District is being preserved with the help of local economic development incentives, made possible by the passage and adoption of Legislative Bill 840 Local Option Sales Tax, which allows Nebraska communities to collect sales tax revenues and retain them to be used for local investment projects, keeping the money in the community, resulting in job creation and additional tax base revenues.
The Fairbury Commercial Historic District is listed in the National Register of Historic Places and encompasses an area spanning approximately ten (10) blocks, containing ninety-seven (97) historically-significant properties, one of the largest inventories of cohesive, existent buildings in the entire Midwest. Virtually every street in the historic district is paved with brick, dating back to 1916. The streets themselves are also listed in the Register. Around the courthouse square lies the oldest buildings in the commercial district, which were built in the early 1900s, when Fairbury experienced it's most aggressive growth period. The buildings around the square as well as those nearby, look very much as they did many decades ago, giving Fairbury a timeless and nostalgic flavor, impossible to duplicate with modern architecture.
The district is distinguished by the prominent courthouse square, where the architecturally and historically significant Jefferson County Courthouse, built in 1891, stands. This majestic structure, constructed of handcut limestone, symbolizes an enduring pioneer spirit , sparked by hope and prosperity; and still serves as the center of commerce today.
Visitors to Fairbury's Downtown Historic District will find an array of antique and specialty shops, restaurants, art galleries, unique lodging properties and a world-class day spa, all within walking distance. Entertainment options include the original Bonham Theatre, featuring two, first-run movies nightly, a bowling alley and two bars, all located in historic buildings. Fairbury's principle financial and governmental institutions are also located in the district, as well as healthcare providers, drug stores & professional offices. Fairbury's primary retailers for automobiles, parts & repair services, as well as newspaper and radio stations all remain rooted in the commercial district, all making substantial investments in property improvements.
Continued investment and the combination of public/private partnerships signifies a vote of confidence by business owners and City leaders that Fairbury's Downtown Commercial District is viable and worthy of investment for the future. Funding has been approved for a variety of improvements ranging from new sidewalks, curbs and guttering; to facade improvements, including repairs, new awnings and signage. Interior renovations have also been made in order to accommodate new and expanded businesses.
"The availability of economic development funds has increased the property owners' ability to improve their properties and has helped to spark new investment by raising awareness of opportunities housed within the District," according to Julie Lambert, Business Development Specialist and owner of Main Street Consulting Group, a business development and marketing firm located in Fairbury. "A walking tour around 'the Square' is all it takes to see the improvements that are taking shape – a tangible result of the investment that Fairbury has chosen to make in local business," said Lambert.
©Main Street Consulting Group 1997-2017


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Johnson Leads Surging Hawks Past Nuggets
Atlanta 110, Denver 107 (OT)
ATLANTA, Dec. 18 (Ticker) -- Joe Johnson is playing good basketball lately. So are the Atlanta Hawks, finally.
Johnson poured in 30 points and the Hawks used a late surge in overtime to post a 110-107 victory over the Denver Nuggets, their fourth win in five games.
"What happened last year is behind us," said Hawks coach Mike Woodson, whose club went 13-69 last season. "We're trying to build on what we're doing now. Hopefully, we can continue our winning ways."
Atlanta's recent surge started with a stunning win over San Antonio on December 10 that snapped a seven-game losing streak. Three nights later, the Hawks won in Cleveland.
"Beating San Antonio gave us a good boost, and we realized what we could do as players," Hawks swingman Josh Smith said. "I think that was kind of a wake-up call for our team. From there, we've been real confident in each other, and we're having fun out there. We're smiling, and everything out there is fun for us."
Denver scored the first five points of overtime, including a 3-pointer by Earl Watson with 3:20 remaining that opened a 103-98 lead. But the Hawks outscored the Nuggets, 12-4, the rest of the way as Johnson and reserve guard Tyronn Lue made clutch shots.
Johnson's fifth 3-pointer with 2:10 to play forged a 103-103 tie. After Denver's Eduardo Najera knocked down a pair of free throws to tie it with just over a minute left, Smith responded with a jumper giving the Hawks a two-point advantage.
Smith came up with a loose ball under the basket at the other end before Lue delivered the knockout shot, a 3-pointer as the shot clock expired with five seconds to play.
"I knew when I was coming off the pick-and-roll, the big guy (Francisco Elson) was staying with me the whole time to make sure I gave it up," Lue said. "So I tried to turn the corner hard, so I could step back and get separation over Elson. And I was able to get off a tough shot."
Johnson, who scored a career-high 36 points in Friday's win over New York, made 11-of-26 shots and added nine assists and five rebounds. Smith scored 19 points and Lue had 17 off the bench.
Denver (12-13) was without injured frontcourt starters Marcus Camby and Kenyon Martin, reserve sparkplug Earl Boykins and swingman Greg Buckner and dropped to 4-10 on the road despite 37 points from Carmelo Anthony and 20 from Andre Miller.
"It was a tough game because we only had seven guys tonight," Anthony said. "We were very tired tonight. The whole road trip caught up with us today. We came out and played aggressive, but the overtime was too much for us."
"We knew they had some guys out," Johnson said. "We wanted to take advantage of it, attack on both sides of the court. That's what we did."
Camby, averaging 16.8 points and a league-best 13.3 rebounds, has a sprained right pinky. Martin is battling left knee tendinitis.
For a while, it looked like the shorthanded Nuggets might win. Denver led, 93-88, with 4:23 remaining after Najera fed Anthony for a ferocious dunk. But Atlanta scored eight of the next 10 points to regain the lead, 96-95.
Najera followed with a layup and Anthony connected on 1-of-2 free throws for a 98-96 edge. But Johnson drove for a clutch layup with four seconds left to force overtime.
"We just kept playing," Hawks forward Al Harrington said. "We just had the confidence and swagger that we weren't out of it."
Atlanta has won 15 of its last 16 home meetings with Denver.


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Sharparazzi Projects
Follow Akro & Leki behind the scenes during the recording of the track and music video for "Coupe Le Verbe En Deux", from the studio to the video set. The track is available on the album "Akro Au Crunk".
Beat & scratches produced by Dj Dysfunkshunal (Killa Tactics/Track Hustlaz).
Music video directed by Kurt De Leijer.
Making of the video filmed & edited by Sharparazzi Projects.


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tag:blogger.com,1999:blog-82975208589792558832014-10-02T23:39:57.944-07:00Money Ideas for the Middle ClassA lot of water droplets together form a river. So never underestimate the power of every little action and decision you makeMiddleClassMoneyhttp://email@example.com:blogger.com,1999:blog-8297520858979255883.post-19819690495579617212012-07-07T05:11:00.001-07:002012-07-07T05:11:16.035-07:00Save your marriage by sharing financial responsibility!How to deal with a financially irresponsible spouse?!!
How to deal with an extremely frugal spouse?!!
How to save your marriage when you are poles apart in your financial habits?!!

All very relevant questions in today's world. Divorce rates at their peak today. One of the unfortunate causes for this is the difference in which each individual treats money. If you and your spouse find yourselves poles apart in your spending and saving habits, then life together becomes tough. Minor purchases and behaviors tend to flare up arguments and fights. As these fights and arguments increase, you will find yourself walking away from each other more often.

Her 25$ new dress looks like a big red flag to you while your 200$ electronic gadget looks like a mockery of family values to her!

It is very important for couples to have similar views on budgets, savings and expenditure. These aspects of life intermingle with 90% of your thought and actions on a normal day as a couple. If you find yourselves poles apart on these categories, you are going to be in fights on a daily basis!

Unfortunately not all of us think about this financial compatibility while marrying :) . Love can be blind! Opposites attract is a rule of love that cant be denied! So how do you deal with this situation and save your marriage?

I have been looking around for suggestions from different financial advice blogs on this topic. I found a pattern of advice which I found would most likely work.

Communicate
Always communicate about the problem. Never let your thoughts and anger build up quietly till it finally bursts open to leave an ugly mark. Call for a family meeting and discuss what is worrying you. If you love each other, you will listen to your spouse when he or she explains something with love. Bring the issue to the table and talk about how you see a long term problem

Budget together
Sit together and plan together! Talk to each other and agree on what your long term and short term goals are. In the long term, you may be planning to settle down somewhere, own your beautiful suburban home, build a retirement fund, etc. In the short term, you may be planning a vacation, you may be planning a major purchase like a car, etc. Talk about these and agree on how to go about doing them. How to set aside something every month for these goals? how to manage the rest of the month after paying for your long and short term goals? this helps to divide the financial responsibility between both of you.

Manage together
This is vital! Budgeting together only ensures the planning is done properly. Execution is the key!
Divide responsibility here. Make each other responsible for different aspects of the plan so that you are each managing something for the family and are accountable for it! Your love for each other will make you want to do a better job for the family :).

Say one of you is a spendthrift. Get a debit card with a spending limit according to your grocery budget. Let him or her manage that card to do the grocery shopping for the entire month! This will help your life partner feel the financial responsibility. This experience will help bring you together.

Celebrate together
This is equally important! Don't get too caught up in your budgeting and saving plan that you forget to cherish each other! Have some short term goals that will help you celebrate together.

Plan a couple of vacations a year. Vacations don't really have to cost a lot! There are many low cost options that you can research and find. Or plan to dine out a few times in a month. This will be a treat to congratulate yourselves on sticking to your budgets! If your spendthrift life partner manages to be within the planned grocery budget, then plan a treat with the savings! These little joys will add to your bond and love for each other!

Hope this articles helps you! If you have additional advice, please share them with me!MiddleClassMoneyhttp://firstname.lastname@example.com:blogger.com,1999:blog-8297520858979255883.post-18450457810915079682012-06-22T21:05:00.002-07:002012-06-22T21:06:14.127-07:00SmartyPig - Piggy bank your savings to reach goals!Lately I have been researching about the best checking and savings accounts out there. My current aim to setup an emergency fund at the earliest. As I build this fund, I want to keep it in an account that will offer me a good interest rate and a good liquidity policy.

Everyone must maintain an emergency fund. We all run into emergencies once in a while. These events wreck havoc with our planned budgets. An emergency can be anything - a near and dear one may fall sick or your car may suddenly need repair. We should always have an emergency fund which will allow us to respond to these situations without having to break any investments or borrow money in anyway.

I have been thinking of keeping this money I am putting aside in a high interest yielding account. My current checking account with one of America's biggest banks pays me no interest whatsoever. Well, that's no good place to save money in! At the same time, I cant put this money in a high yielding CD and lock it away for a year or two. I need to be able to utilize this money when i face an emergency.

One of the options I came across was SmartyPig. SmartyPig is an online website partnering with BBVA Compass bank that provides online savings accounts to people like us. The most unique feature I found about this online bank was its emphasis on social networks and how to utilize them to save!

SmartyPig allows you to open a savings account and specify a goal for it. For ex: You are telling them that I am opening this account with a goal to setup an Emergency fund of 7500$. Opening an account can be done entirely online. They will prompt you for your information (All the same information that you would give when you open an account at the branch) along with information of your Goal and the target amount.
You will have to link your current account from which you want to transfer money into this savings account. Once the link is created, you can transfer some money when you wish or setup automatic payments into your SmartyPig account.

Now lets see how this online savings account sets itself apart from other online banking accounts -
1, SmartyPig is currently offering 1% APY on its accounts. This is definitely one of the best interest rates out there in today's environment!
2. You can specify a goal and target for your account. Then publish this information via Twitter or Facebook to your friends! They can participate in helping you save for your goal as well as encourage you on these social sites!
This is pretty unique. It will definitely encourage a lot of youngsters to save. One of the tricks of achieving any tough task is to announce that you are taking on the challenge. The additional pressure and motivation received from this publicity will help you move towards your goal!
3. There is no fees and no minimum balance! They promise that there is no catch. That is really very helpful since I need liquidity on my account.
4. Once you achieve your goal, you can transfer the money back to your original source of funding if you wish.
Now here is the twist! They offer a couple of more ways to take the money you saved.
Redeem your goal by taking it back as gift cards from retailers like Amazon, Lowes etc. These retailers offer up to 11% in cashback savings. So in case you were saving for a goal like buy the latest Plasma TV, you benefit on the extra savings via the Amazon gift card as well!
You can also redeem your goal via a SmartyPig Cash rewards card. This is accepted via the Mastercard network. It acts like a prepaid card and Smartypig offers 1% cashback on every purchase made using it as well. So your money is buying you more than it can once again.
Caution: Both of these options to redeem are aimed such that you end up spending that savings via a retailer or prepaid card. So be careful while availing these options. Be sure that you actually saved to spend on something you need!
5. The account is FDIC insured for 250000 $. So you can be assured of its safety.

All these unique features make this a very attractive savings account. If any of you have used this bank, please do feel free to comment and let me know how good or bad this is!MiddleClassMoneyhttp://firstname.lastname@example.com:blogger.com,1999:blog-8297520858979255883.post-25934514733755597732012-06-20T18:29:00.003-07:002012-06-20T18:30:10.998-07:00TrueEarnings Costco credit card from American ExpressDuring my research recently about cashback credit cards, one of the cards that perked my interest was the TrueEarnings Costco credit card from American Express.

Is this card worth it?

The card boasts of an impressive cashback percentage. They term it the 3-2-2-1 formula :)
That is -

3% cashback on gasoline (Note this is subject to an annual limit of 3000 $. Beyond that they will give 1% cashback )
This is a definite plus if you drive a lot! At today's prices, this is 3 % on nearly 850 to 1000 gallons a year.
Plus remember Gasoline at Costco is generally cheaper than other gas stations. So that's a double benefit!

2% cashback on restaurants.
If you are like me and eat out quite regularly, then this is definitely another big plus

2% cashback on travel
Who doesn't like to travel? :) If your plane tickets, car rentals and hotel bills give you 2% cashback, then it is again pretty good.

1% cashback on all other purchases including Costco
Now let me compare this with the other American Express card I liked a lot - Blue Cash Everyday American Express card. That card offers 3% cashback on all grocery purchases but has a catch that the groceries have to be bought in supermarkets.
Costco will be considered a wholesale club. Walmart will be considered a superstore. So purchases in these places will only fetch you 1% cashback with the Blue Cash Everyday card.
This Costco TrueEarnings card is also offering the same 1% cashback on Costco purchases. So in my personal opinion, this is not really a parameter that differentiates these cards.

Lets talk about Annual fees. The Costco credit card doesn't charge you annual fee as long as you maintain your Costco membership.
So the annual membership fee is the same as the costco membership fee if you don't already have a Costco membership. But if you do, then this card is free!

How do you redeem your rewards? you get a reward coupon from American express that you need to redeem at Costco. You can do so as both merchandise or cash.
I personally don't like the fact that the cashback rewards can be utilized only annually once. Plus you need to take your coupon to the local Costco to redeem it. I would prefer the multiple options which Chase offers! You can get it as a check or credit back to your account as well from Chase. That's pretty convenient!

Overall I felt this card is very useful if you are a larger family and have the habit of buying in bulk from a wholesale club to save on expenditure. Costco is definitely one of the better or best wholesale clubs around. So if you fall in this category, this card is really good.

If you don't fall in this category like me, then the American Express Blue cash Everyday or Preferred is a better card for you.

Hope this review helps you!

MiddleClassMoneyhttp://email@example.com:blogger.com,1999:blog-8297520858979255883.post-5038636407629199412012-06-19T04:40:00.000-07:002012-06-19T04:40:33.993-07:00Live for today or Live for tomorrow?I was browsing around looking at fellow financial blogger's sites when I found a very interesting article - Stop being obsessed about saving every penny by dollarVersity.

He has written very well explaining the dangers of becoming extremely frugal. Living frugally and counting every cent means you basically live a tough life today, hoping all the money you save will give you a better tomorrow. He warns that we will loose sight of when this tomorrow would come and will end up not enjoying life at all.

Personally I believe one should try to reduce any expenditure in his or her budget which is not a necessity. However i fully agree with dollarVersity's author as well! Living like that is extremely tough and mentally depressing as well.

My goal with budgeting and my desire to save money is driven not by a distant dream of being able to live a happy retirement when I am 55 years old. Luckily I don't have too many debts which force me down this path as well. Nor do I plan to leave a legacy behind for my future generations :) . Simple and plain - In another 5 to 10 years from now, I want to be in a position where I can reduce the stress in my life around the questions - Is my job recession proof? What will happen if I loose my job?
I basically want to reduce the stress around my dependency on my salary income and job. I should be able to relax thinking I can survive till i find another job. My family would not suffer till then. We can meet our needs in other ways we developed over the past by saving when we could.

I believe if I am able to cut down this stress in my life, I will have a much more relaxed tomorrow. Also I have a definite tomorrow in mind. My tomorrow is not a far far away tomorrow!! Always keep tangible goals when you want to achieve anything. Keep both long term goals as well as short goals.

In this quest, I know that its important for me to do multiple things. Save to create emergency funds. Save to create investments. Invest what I can such that i get decent returns. Develop alternate skills. Improve my work skills. Develop passive income sources. etc, etc. In this quest, I do tend to be frugal today. I do make sacrifices where possible to achieve these goals.

But everyone needs to remember one thing - the journey is just as important as the goal. You are talking of precious 10 years of your life that you wont get back. You will succeed in saving only when your mind is happy and excited to do it. Your mind requires a few perks once in a while to feel that happiness. So always budget for a little fun and happiness every month.

CAUTION: Never go overboard. Never splurge such that it will wipe out all the good work you did in the past few months.

However do allocate some money in your monthly budget to a category that will give you entertainment and happiness. Make sure your near and dear ones enjoy this category as well. This will make them happy and willing partners in your endeavor to save and secure a safe future! Hope this advise helps you.MiddleClassMoneyhttp://firstname.lastname@example.com:blogger.com,1999:blog-8297520858979255883.post-1700382907283349302012-06-17T05:34:00.001-07:002012-06-17T05:34:19.442-07:00Best cashback credit cards out there!As I explained in my previous post, cashback credit cards make most sense in terms of getting rewards back from your credit card company for most people. I read somewhere that the credit card companies charge merchants 2-3 % of the transaction as their fee. If that is true, cards that offer 1% cashback are pretty good. Then there are some cards that even offer higher percentages of cashback. Choose wisely based on your spending pattern to reap the best benefit for yourself.

How does a cashback credit card work?
Lets take an example of a card that gives 1% cashback on every transaction. You spend around 600 $ in a month on this card. The card company would add 6 dollars to your rewards at the end of the month (after the billing cycle is done). You can get this reward back as a credit to the card if you wish. There are options of getting this money as a check or deposit to another account as well (depending on the card company).

Here I took an example of a card that gives 1% cashback. That is generally the minimum percentage out there. There are cards that offer higher percentages and you can reap rewards upto 30$ - 40$ per month. Now that is a significant reward! :) Some savvy credit card users do even better!

In my case, I found i spend most of my money on groceries and eating out every month. I did my research using Mint.com, which I highly recommend to everyone. Best part - it is free!

Now based on this research, following are what i found as the best cashback credit cards out there as of today (June 17th 2012) -

1) Blue Cash Preferred and Everyday from American Express
These are two cashback cards from American Express. One is the Blue Cash Preferred (comes with an annual fee of 75$) and another Blue Cash Everyday (no annual fee). They offer great cashback rewards on expenditure in supermarkets and fuel.
The Preferred card offers 6% on supermarket purchases while Everyday card offers 3%
The Preferred card offers 3% on fuel purchase while Everyday card offers 2%
They both offer 1% cashback on all other purchases.

Getting 6% cashback on supermarket purchases is awesome. Say you spend around 400 dollars at your neighborhood supermarket for groceries in a month. That would mean at the end of the month, you would have 24 $ back in your hand!
Say if you prefer not to give the annual fee, you would have 12 $ back.That is still awesome!

Currently they have a promotion saying if you spend 1000 $ in the first three months on this card, you will get 150 dollars as a bonus on the preferred card, that is 2 years of annual fee in your hands straightaway! :)
If you still prefer the no annual fee card, you will get 100 dollars of bonus!

2) Chase Freedom Visa Card
This is another awesome card out there. It is on the VISA network so you need not worry about where it will get accepted!. Visa is probably the most widely used card network across the world

This card offers 5% cashback on different select categories every quarter. Throughout the year it offers 1% cashback on all other categories. I have found that these revolving categories are actually very useful for us.
For example, between April and June, they are offering 5% cashback on groceries. That is pretty awesome!
Between July and September, they offer 5% cashback on gas stations and restaurants!
Looking at my spending pattern, I clearly know that I will benefit a lot in both of these quarters. Rest of the year too they have very good distribution in categories.

Best of all this card comes with no annual fee!
They have an upper limit saying upto1500 $ spent per month on the special categories will be eligible for cashback. 1500 dollars is pretty large upper limit for groceries or fuel or restaurants! so dont worry about that!

Also they too have a 100 $ bonus offer going on currently which you will get for spending 500 dollars in the first three months using their card. So that's some extra free money you can make!

Caution: While these cards say they will provide 5 % cashback on groceries, the fine print says it is only for supermarket purchases. That is if you buy your groceries from a superstore (like Walmart) or a wholesale club (like Costco or Sams Club), you will not get the cashback. So be careful to check how much you spend in supermarkets, when deciding about this card!

There are two other very good cards that I found in my research. Discover and Citibank. I will post about them tomorrow. Till then, keep saving!MiddleClassMoneyhttp://email@example.com:blogger.com,1999:blog-8297520858979255883.post-26269401809535257372012-06-16T09:07:00.000-07:002012-06-16T09:07:26.213-07:00Cashback credit cardsPreviously I had written on why we need to be extra careful about using credit cards. Credit cards are generally considered an enemy in the battle for financial security. But the truth is they can be used as a potential ally in this same journey. A potential ally who you need to keep a tab on always :)

I have found that credit cards are very useful in two ways -

One, they act as an emergency fund. Everyone needs to maintain an emergency fund always. Typically this should be the amount you would need to maintain your lifestyle for at least three months when your source of income , god forbid, stops to exist. It is a fund you will turn to when you are suddenly faced with an emergency. This kind of thing turns your planned budget upside down.

Ideally you should save a portion of your income in a savings account for this. There are some really good savings accounts out there which provide a great interest rate (however these rates may seem pretty low unfortunately in today's world). These accounts also allow a great deal of flexibility in terms of liquidity of funds. One great website I found that shows latest and best savings account rates is SavingsAccounts.com.
Another site to check for interest rates is BankRate.com

However your credit card can also be a great asset when you run into an unexpected emergency. It can supplement as your emergency fund available in a savings account as well. However remember to pay off the card as soon you recover from your situation. Keep in mind credit card debt can be your worst enemy as i mentioned in my previous post - Credit Cards: Advantages and Disadvantages

Secondly, you can pick and choose your credit card such that you get back something from it via rewards.
If you travel a lot, a travel rewards card can be a big help. But in my case and in my personal opinion for most of us, a cashback credit card is the best. You can earn cash back from the card company thanks to all the transactions you did.

Caution: Remember these should be transactions you would have made irrespective of whether you had a card. That is never spend to buy things on your card just for the reward points. You should buy only if the item is essential for your needs.

There are many cards out there which offer great cashback %s on different categories. I will detail out a few i researched in my next post. Most importantly, by analyzing your expenditure, you should be able to determine on which categories do you spend a lot via plastic.
If it is groceries, then search for a cashback card that gives max % on supermarkets
If it is on fuel, then search for a cashback card that gives max % on gas purchases
There are many choices out there so be careful to read through all features of card before taking one. There are many websites out there which help you even compare different cards, like - Comparecards.com

We will talk more about the few ones that I researched recently in the process of choosing one for myself in the next post. Till then, keep saving!!

MiddleClassMoneyhttp://firstname.lastname@example.com:blogger.com,1999:blog-8297520858979255883.post-38979143598598192552012-06-14T20:21:00.000-07:002012-06-14T20:21:24.619-07:00Save for a secure future!Whats the most basic way to increase your net worth? Whats the trick to ensure a growing bank balance?

Its a very simple principle. Always make sure you spend less than what you earn. What remains after this has no where to go but into your net worth!! As long as you follow this diligently, you will secure a safe future.

Budgeting is a necessary skill in today's world. One needs to monitor his/her family's cash flow and plan accordingly. It is important to plan how much you will spend on all categories of your expenses and then track how you are progressing towards it.Make cutbacks when you are overspending on a category.
ex: If you realize that you are spending a lot on eating out, then brown bag your lunch for the remainder of the month.

Some more important advice on saving money -

It is important to control the need for instant gratification. Most people today have developed tendencies such that they can feel happy only if they are spending a lot of money. Ever heard of shopping therapy? Unfortunately such tendencies, if unchecked, can destroy your budgets. They may bring a lot of pleasure and happiness in the moment but over time they ruin your financial future.It is actually not true that you need to spend to feel happy. There are many productive and cheaper ways to make yourself feel better - charity work, writing, reading, hobbies, cooking, exercise etc.

At the same time, it does not mean you need to live frugally. Meet all your necessities always. Spend a little extra once in a while to feel mentally and spiritually wealthy. Enjoy a movie with your family. Eat out a few times a month. Spend some money to help the needy. Do all these as long as you remember our basic principle - Spend less than what you earn. Also always aim to increase the gap between these two - income and expenditure.

Another important thing is to stop comparing yourself with others. Your neighbor may be driving an expensive SUV. Your childhood friend may be travelling to different exotic places in the world. They may be doing it as they earn enough to live that way. Or they may be doing it by getting into debt. It does not matter. You need to think what is best for you and your family. If you can afford it, then do it. Don't do it just because your friends did it. This is very important to prevent debt and ensure your savings stick around for the future.

Keep these things in mind and you will be on your way to financial security! Remember, your commitment to the end goal is your biggest strength in any battle.MiddleClassMoneyhttp://firstname.lastname@example.com:blogger.com,1999:blog-8297520858979255883.post-38402976665953020312012-06-14T04:57:00.001-07:002012-06-14T20:23:00.231-07:00Credit cards - advantages and disadvantages!In today's times, most financial gurus who advise people on how to manage money and avoid debt tell us to avoid credit cards like plague! Its definitely true that you do not want to get into credit card debt at all. Its the worst kind of debt. I will explain why -

It generally sneaks into your world in small quantities and grows big. You end up getting caught off guard.

Imagine you are planning to take a loan to buy a car. The amount you are borrowing is generally around 10,000$. Since it a large amount you tend to stop and think through the implications of the loan. How much will be the interest? How much would i need to pay every month and so on. But credit card debt generally starts in a different way. You end up not paying your card balance this month. Its only around 500$s. So you feel you can catch up the next month.
Oops, you cannot pay it off this month too. But thats fine, its only around 1000 bucks now. I can pay it off next month. Unfortunately for many, this cycle just continues. As a result, a huge credit card debt :(

Also the interest rates on credit card debts are huge! When we apply for a credit card, we generally dont pay too much attention to the APR/APY the card charges. We are blinded by the bells and whistles around the card more than these important financial details. Does the card offer cashback? Does the card give me great travel points? Does the card give me initial bonus? etc etc. The only time we realise the actual interest rate on the card is when we fall into their debt trap.

So it is very important to understand the dangers of using credit cards. In fact if you cant control your shopping instincts or if you are a person who is given to a lot of impulse buying, credit cards are the worst idea for you. You don't really realize how much you have spent till the month end. Its the opposite of financial planning and budgeting.

I have heard experts even advising to freeze credit cards to avoid these situations. When i say freeze, literally put your plastic in a bowl of water and stick the bowl in the freezer :) That method sure works!!

But credit cards can actually also be a powerful ally in your financial journey. That is if you know how best to use them. I will explain why in my next post.

To utilize the power of credit cards, it is a must that you know what problems it may create and it is a must that you are capable of controlling your financial behavior.

You should not use credit cards if you are impulse buyer

You should not use credit cards if you do not monitor your expenditure on a daily basis. You will only realize at the month end how a number of small transactions can result in a big bill

You should never put off paying your balance. Pay it off in time to avoid the interest rate they charge

If you get into credit card debt, then freeze your cards immediately!! you do not want to add any more to that debt. It is very tempting to buy stuff on your card even when you know you cannot afford to pay for it at the month end.

Keep these rules in mind when you shop around for plastic! We can reap benefits from this plastic if we follow these rules.MiddleClassMoneyhttp://firstname.lastname@example.com:blogger.com,1999:blog-8297520858979255883.post-10340416479809713972012-06-12T04:32:00.001-07:002012-06-14T20:22:13.940-07:00Why is Mint.com free?Why is Mint.com free? how does Mint.com make their money?

I started thinking on these lines to try and figure out why they were offering their software for free for all the users. I mean there must be a catch right? anything that is free and good must have a catch somewhere :)

So far what I could make out from their website is that they make their money through advertising. They show different advertisements for bank credit cards, insurance policies, brokerage accounts etc in their website. Also they encourage people to utilize these offers to save more. So I am sure many of us would feel it necessary to open an account that we never thought of before. As a result, the advertiser gets a new account opened thanks to Mint and they give Mint a referral fee. They might also be giving Mint some money to show the advertisement in the first place.

Take for instance what I saw in my account. Under the tab, Savings, Mint gives advise on how I can save more money. They basically run some analysis on my transactions through the month and the accounts that I have currently and give this advise. This is a perfect place for cross-selling and up-selling.

Mint.com advised me that I could apply to the American Express Blue Cash credit card and save money via Cashback points as the amount of money I spend on grocery every month is pretty high and this card gives 3% cashback on supermarket purchases. From my perspective, this is sane advise on how to save money. I am not looking at this advise as an advertisement which shows up on some random website I browse. This is a perfect targeted advertisement placed in nice context for the consumer to see. If i go ahead and take this card, Amercian Express is benefited. And Mint.com is benefited as they showed the advertisement and probably even get a referral fee :)

Similarly there is advise in the site about how to avail cheaper insurance policies, better brokerage accounts, savings accounts etc. All of these are placed in contextual sense to us, the users, to indicate ways to save money and invest money to increase our net worth and budgets. At the same time, they are very good advertisements for the banks. My guess is this is where Mint.com makes its money.

How good is this revenue model? With 7 million users, i think this must be a very compelling place for all companies to place their advertisement campaigns. So Mint.com must be receiving steady or maybe increasing revenue. Time will tell us if the model works out for them. If it does not, then we will definitely see some impact in our free usage of this software down the line.

lets hope not :)MiddleClassMoneyhttp://email@example.com:blogger.com,1999:blog-8297520858979255883.post-23420959401674876922012-06-10T13:19:00.004-07:002012-06-10T13:20:53.947-07:00Mint.com - Is it safe and reliable??Mint.com is an online website that provides us a free application to manage our money. It is completely free for its users. I have been using it for a couple of months now and have found it to be an amazing tool. It gives me great visibility into my expenditure with details like how much I spent on grocery, how much on clothes, how much on fuel, etc. With this kind of visibility into my expenditure, I can make decisions around what i need to cutback, what i need to avoid etc. And all this without me having to make notes in a diary or excel sheet on a daily basis to record my expenses!
Caution: if you tend to make most of purchases using cash, Mint.com would require you to key in these transactions. If you do it via a credit card/debit card, you dont need to worry.

How does Mint.com work?
Here is the frightening first step for most of us - when you setup your account in Mint, you will be asked to enter the online banking user ids & passwords for your different accounts. Mint uses this to connect to your accounts and pull your balance and transaction information from them. They assure us that this is a read only access and no one can use this detail to move any money out of our accounts.

I did spend a lot of time wondering if I should take this step. Finally I did and now I feel pretty happy about it. Today when i log in to Mint.com, it uses the credentials I entered previously to pull information from my accounts (my checking account, credit card account, etc). It then collates this information and shows me the total amount I have and the total amount I owe to my cards. Previously I used to get this information by logging into each different website and manually summing the balances I see there.
Caution:I have noticed Mint.com can't pull pending transaction information sometimes. So when you look at your credit card balance, keep in mind there may be a few recent pending transactions that are yet to show up here.

Is Mint.com worth the risk?
If you are like me (lazy but sincere about wanting to manage your money better), it is definitely worth it. In two months, it has already helped me a lot.
For example, I was able to get a picture on how much I spent on fast food and clothes monthly. This straight away showed me venues to improve my life. I can now plan to cut down on my fast food consumption and watch Mint record my success in the current month. Its definitely good for my health as well as wealth :)
Another example, now I get a picture of how much I spend on groceries and in which grocery stores. With this information at hand, I can plan to maximize my benefits by trying to show at one location and gain reward points better. Some supermarkets like Kroger allow you to use these reward points to get discounts at the gas pump.

Mint.com also allows you to plan for the future. You can plan a budget for the month and track your progress towards that budget. You can configure alerts that tell you if you are exceeding the allotted budget for a category like fast food. It also shows how you are progressing towards a goal you can setup, like setting up an emergency fund.

Is Mint.com safe?
So far so good! thats what i would like to say. I have a few friends who have been using Mint longer than I have. They too assure me its safe. Mint.com advertises that it has over 7 million users and has won many awards. So based on these statistics and numbers, I am making an educated guess that they should be safe.
Caution: Even huge corporations like Sony have had security breaches and passwords stolen. So my advise would be to keep a track of your account always. If you hear any news about a breach, immediately change all your online banking passwords. Also even though Mint.com gives you a complete picture of your finances, logging in to your individual bank accounts once in a while and monitoring your transactions there is a good practice.

Why is Mint.com free? How does Mint.com make its money?
I will talk more about this in my next post. Till then, keep saving! :)

MiddleClassMoneyhttp://email@example.com:blogger.com,1999:blog-8297520858979255883.post-4439638929234570702012-06-09T21:16:00.001-07:002012-06-09T21:16:18.754-07:00Monitor your finances!!Jack had 3 silver coins in his bag. He gave one to Jill and one to John. How many silver coins does Jack have now?

I know this is way too simple a mathematical question for you. So don't bother calculating it. But here's what you need to solve -
Put yourself in Jack's shoes. Think how much money did you have at the beginning of the month, what came in to your bag (or bank account!) and what will go out of your bag by the month end. Now arrive at what you will have at the end of the month.

Does the math seem tough all of a sudden? :)

This math puzzle before you is basically what constitutes your financial budget for the month. It is very important for any family to have a budget. In today's economic situation, we absolutely must have a handle on this puzzle to meet our long term dreams and aspirations. I am not talking dreams of becoming millionairess very soon but simple dreams of living happy contended lives.

If you dream of saving money and building assets for your future, the first step is to track your finances. You need to know how much income you earn and how much you spend on month to month basis. Once you have this information, it is much easier to plan how much you can save and what to do with the savings; or worse case, you can figure out how much you are short and how best to face this shortcoming.

I remember my dad using a little diary to make notes every month once he got his salary. He and mom would sit together and list down all the expenses they had to take care of in the diary. He would write down the name of the month and underline it. The list underneath would go something like this - newspaper, milk, school fees and supplies, fuel, groceries etc. Later as he paid off each of these expenses, he would strike it out in his diary. So now he knew how much he spent, how much he still had to spend and more importantly what was left at the end of the month.

I pretty much started out doing the same when it was my turn. Just that I did it on an excel sheet on my computer instead of a diary :). I had a column to track my income, a column to track my expenses and at the end a simple excel formula to tell me whats remaining. Now i have discovered there are some websites like Mint.com that allow people like us to do the same online. Mint.com is free and seems to be pretty safe based on my experience so far. It tracks my accounts and transactions and produces beautiful reports detailing my income, expenses, savings and even trends related to my expenditure!

Whether you prefer to conveniently let a website track it for you or prefer to maintain the log yourself, it is absolutely necessary to do this as a first step towards managing your money. This log is your key to find what expenses can be avoided or curbed in future. This log will tell you if you are headed in the right direction. So go ahead and get started on this immediately.

I will share more details about Mint.com based on my experience so far in my next post.MiddleClassMoneyhttp://firstname.lastname@example.com


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For St. Mary's students, Fall Reading Days are a much-welcomed break in the monotony of exams and essays. From Saturday to Tuesday, students study, relax, or travel to make the most of their precious time away from classrooms and offices.
In keeping with this mentality, two of St. Mary's outdoor-oriented clubs, the Outdoor Adventure Club and the Climbing Club, made the most of their break by doing what they enjoy with their fellow Seahawks. The Outdoor Adventure Club traveled to Harper's Ferry, where eight members of the club traversed along a small patch of the Appalachian Trail. From Sunday to Tuesday, four hiking veterans and four rookies backpacked about fifteen miles of the AT to Boonsboro, Maryland.
President Ben Derlan had this to say about the trip: "The weather was perfect; the crisp start of fall. We enjoyed the warmth of campfires at night and the beautiful play of light through the trees as the sun rose in the morning." On the return trip to St. Mary's, the group stopped at a local coffee shop located in an old, repurposed church called Beans in the Belfry, of which Derlan says "nothing like free refills on good coffee, decent music, and the peaceful, filtered light of stained glass windows." Derlan says that he would recommend the coffee shop to anyone in the Brunswick, MD area.
The Outdoor Adventure Club was not the only group of students enjoying the great outdoors over Fall Reading Days. The St. Mary's Climbing Club left Friday afternoon to travel to New River Gorge in West Virginia. "The New," as avid climbers know it, is one of the most popular climbing areas along the east coast. The weather on the first day of the trip did not hold up very well for climbing, so while some members risked the rain for a good climb, others went for a hike. The following Sunday and Monday, however, proved to be ideal for the club, and members spent the majority of the days climbing, cheering on their fellow climbers, or relaxing nearby. On Monday night, just before leaving early Tuesday morning, a small group went for a "fairly easy" 100-foot night climb using only headlamps and the moon for light. Club member Micah Rubin said this of the trip: "Obviously, the climbing was awesome and one of the big draws to the trip, but the thing that really made the trip so wonderful was how fun and friendly the group was."
While Fall Reading Days had to come to a sad but inevitable end, these clubs continue on in their adventures. The Outdoor Adventure Club enjoys camping trips and bonfires on a fairly frequent basis. The Climbing Club hosts competitions and free climbs on a regular basis on campus. Both clubs are looking for new members at any time.