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New! YNAB for the iPhoneWritten by Sam - 2 Comments »
The creator of You Need A Budget (YNAB) recently announced the launch of YNAB for the iPhone. This could be a hugely useful tool to help you keep track of your spending since you can see your balances as you're out and about. Unfortunately I don't have an iPhone and can't seem to convince anyone to buy one for me and pay for my plan :-). Therefore, I won't be able to give a personal review on this product.
The launch of this app brings up an interesting point that I've been thinking about. I promote using a cash budget because of the instant feedback it provides. However, as the worlds of cell phones, budgeting software, and payments merges, I could see a world in which you could get the same benefits of using cash while taking advantage of the convenience of electronic payments.
For example, let's take the YNAB iPhone app a step further. Imagine if you could use your iPhone to pay for a purchase (using a technology like contactless payments which already exists) and have an app like YNAB that could sync in real time with your budget. In that scenario you could see in real-time what your balance is for a category, make your purchase, and the iPhone would prompt you (or force you) to choose a category (or categories) for the purchase. That data would be synced real-time so if your spouse was also making a purchase around the same time, he would see the change in balance reflected on his phone. You would have all the real-time feedback of cash with the convenience of e-payments. The only thing this wouldn't simulate is the feel of money leaving your hands which can be quite powerful. You could even enforce restricted spending. For example, on your child's phone you could dictate how much they could spend in any given category.
Eventually the scenario I just explained will happen. All the technologies are there, it's just a matter of them maturing and being adopted on a wide-spread basis.
But I digress, YNAB for the iPhone is a great place to start. If you decide to try it, please let me know what you think so I can pass it along to other readers.
Posted in Budgeting, Software | 2 Comments »
Week 5 – How to reconcile your budget (Part 1)Written by Sam - No Comments »
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Why is reconciling your budget so important?
This week we come full circle in the budgeting process. In week 3 I showed you how to create a budget. It's time to reconcile your budget. In many ways reconciling your budget can make or break the whole process. If your budget doesn't reconcile properly and you don't connect one month's budget to the next, much of the benefit of budgeting disappears. That's because budgets that don't connect don't hold people accountable and therefore don't result in a change of behavior. Without connecting your budget from month to month your dollars are slipping through the cracks instead of being powerfully focused to reach your goals.
"Well what if I'm under budget? Then reconciling doesn't matter does it?"
You bet it matters. In fact, coming in under budget can present a dangerous illusion because you feel so good that you stayed within your spending and then get lazy. If you don't account for the left over dollars, they will disappear. If they disappear you get no benefit. In contrast, if you consciously redirect those extra dollars, you can accelerate reaching your goals. You'll reach them faster than you ever thought possible.
On the reverse side of the coin, if you're over budget you have to ensure that you determine where the overspent money comes from to make sure you're not unknowingly going further into debt. It has to either come from another category or be made up for in next month's budget. If not, you'll either be digging into your savings or going into debt for that overspending.
Now that you're clear as to why it's so important to reconcile your budget the right way, let's get started.
Here's a brief overview of the process you'll go through and how much time you can expect to take.
- Update transactions in your accounting software (YNAB, Quicken, or Excel). When you first start budgeting this step will probably take anywhere from 45-75 minutes. The amount of time spent can vary wildly and will decrease dramatically as you follow my tips below. Eventually you should be able to get it down to under 15 minutes.
- Verify your software matches reality. In this step you'll compare the balances of your software and bank accounts to make sure they match. Sometimes this step is not as easy as it seems. 5-15 minutes.
- Review last month's budget and identify where you were over and under and how you will deal with these amounts. 5-15 minutes.
- Create this month's budget using the information from step 3 and based on this month's needs. 5-10 minutes.
- Review and sign the budget with your spouse. 5-15 minutes.
The longest part of this process BY FAR is step number 1, updating transactions in your accounting software. If you follow the hints outlined below and in my podcast 10 Secrets to Budgeting Success you can dramatically reduce the time spent on step 1 and therefore your overall time budgeting. The last step can also be painful and time-consuming at first because you have to work out priorities and differences of opinion. But after a few consistent months of budgeting it can become one of the shortest steps.
Step 1 – Update transactions in your accounting software
In this step you need to download or manually enter your transactions for the previous month into your budgeting software. In the rare instance that you enter all your transactions on a daily or weekly basis, you can skip this step.
The secret to doing step one FAST!!!
As I talked about in week 4, one of the reasons this step can take so long is due to the large number of transactions created by budget categories like "groceries," "household," or "eating out." Not only do these transactions represent around 75-95% of all your transactions, they are the hardest to deal with. Trying to figure out which category that Wal-mart purchase should be under (was it household, medical, or grocery?), and trying to track down receipts can be an agonizing and time-consuming process.
Using cash in your budget for this small handful of categories is the best way to decrease the time spent during the reconciling process. Instead of 20 or 30 tricky transactions, you'll have just one – a cash withdraw. In addition, using cash has a huge side benefit of preventing overspending. If you missed week 4, be sure to read why I think everyone should implement at least a partial cash budget
Using YNAB
If you're using You Need A Budget (YNAB), you can watch the screencast below to see how to import transactions from your bank account into YNAB. You will have to download your transactions for the relevant period of time in the ".OFX" or ".QFX" format (sometimes called Money or Quicken files). If you're bank doesn't support those formats, you can download the ".QIF" format. Most all financial institutions should offer the ability to download transactions in these formats.
Once the file(s) are downloaded, open YNAB and select "File –> Import Transactions" and follow the instructions. You will have to choose what account the transactions are downloaded to and may have to match transactions together if they were previously entered.
I've created the screencast below showing this process and how YNAB deals with a couple different transaction situations.
Using Quicken
If you're using Quicken, you should be able to automatically connect Quicken to your financial institutions to update. If the institution doesn't support automatic updates, you should be able to download a file from their web site and import it into Quicken. Quicken's website and support materials should help you through the process if needed.
Using Excel
If you're using Excel, you can either enter transactions in manually or download your transactions in a ".CSV" file format and copy them into your working register.
Categorize your transactions
Once all the transactions are imported, go through and make sure each transaction is categorized. Doing so is a necessary step so you can see where you were over and under in your budget. YNAB and Quicken can automatically categorize some transactions for you. Where applicable, both programs will prompt you and ask if you want the program to automatically categorize for you.
Now that you've got your transactions in order, let's test the numbers to make sure everything's accurate.
Step 2 – Verify your software matches reality.
All your transactions are now entered and categorized. Next we need to make sure your software matches reality. This can be a frustrating process because if things don't match up it can be like looking for a needle in a haystack to find what's wrong. Don't worry. I'll give you some hints to make the process easier and less frustrating.
Select a date and compare balances
First you need to pick a date on which you want to match things up. This is important and frequently overlooked. You want to match up your accounts "as of" a certain date. You're taking a snapshot of your finances, much like when creating a net worth statement (see How to create a net worth statement).
Next you want to compare balances. Be careful because both your software and your bank may show multiple balances for each account and you want to be sure to use the right ones or you'll be hitting your head against a wall for nothing. See tip #2 below for more information.
The balances don't match. Now what?
If your balances don't match check the following:
1. Am I looking at the same "as of" date?
Let's say it's July 5th and I'm trying to reconcile my budget from June. If I look at today's balance on my bank's website I'll get the wrong figure because the balance will reflect transactions in July as well as June. Most banks will show a running balance for every transaction. In this case you'd look at the last transaction of June and look at the running balance after that transaction and THAT's the correct number to compare.
Here's a tip. I usually download all my transactions through today's date and compare balances as of today. It just simplifies the process. If it's July 5th and I'm reconciling June's budget it doesn't matter that I've downloaded more transactions than needed. As long as the balances match up AS OF July 5th I'll know that June's transactions are entered correctly. Then next month I'll just download the transactions from July 6th on.
2.Am I looking at the right balance figures?
As I mentioned above, both your budgeting software and your bank account may show multiple balances and you need to know which ones to use. Otherwise you may actually have matching balances but think that they don't match because you're looking at the wrong figures. How frustrating is that?
An example of different bank balances
For any given account my bank shows the prior day's balance, the current balance, and the available balance. Which do you use? The prior day's balance and the current balance are self-explanatory. After a little searching, I saw that the "available balance" reflects transactions that have already occurred, but haven't posted on my account yet. These transactions weren't included in the file I downloaded from my bank. So, if I were trying to reconcile my account as of today, I would want to include those transactions since they occurred before today. In this case I would need to manually enter them into my budgeting software since they aren't included in the downloaded file. I would then compare the balance in my software with the "available" balance from my bank.
An example of different YNAB balances
YNAB shows a "cleared" balance and a "working" balance. The "cleared" balance reflects all the transactions that were either downloaded from your bank or manually marked as cleared. The "working" balance reflects all transactions in the account both cleared and uncleared. If, for example, you set up YNAB to automatically enter transactions into the register, they will show as "uncleared" until you download the actual transactions from your bank and they are matched up.
To see how to read balance figures in YNAB, view the screencast below.
3. Are there duplicate transactions?
One of the most common reasons balances don't match is that a transaction was accidentally entered twice. Every software tool I've used allows you to either sort your register by the transaction amount or run a report that sorts by amount. You can then quickly look at any transactions of the same amount and see if they're duplicates. Delete any duplicates you find. Be careful not to delete legitimate transactions that are the same amount such as recurring bills.
4. Was a transaction entered into the wrong account?
If more than one account balance doesn't match up, you may have entered a transaction into the wrong account. This is likely to be true if both accounts are off by the same amount. For example, let's say the checking account balance in your software doesn't match your actual balance by $6.43. Well if your savings account balance is also off by $6.43 you probably just mis-entered that transaction into the wrong account. By the way, this rarely if ever happens if you only download transactions from your financial institution rather than entering them manually.
5. If all else fails, give up
It's hard for me to just give up on finding the error, but sometimes it's the best option. You don't want to do this on a regular basis or if the difference between balances is very large. If you're consistently having a problem matching up you're probably doing something wrong or not following the guidelines above and should try and get to the root of the problem. However, there have been times where I've searched for hours to find what's wrong to no avail. It's just not worth it.
Instead, enter a transaction correcting the difference in balances and put a note in the "memo" field explaining the problem. Often you'll come across the error months later and have a big "ah ha" moment. You can then fix the error and remove the "correction" transaction.
I know doing this goes against my basic principle of accounting for every dollar, but as long as it's not a persistent problem, you'll be ok in the long term.
So now you should have your transactions downloaded, entered, and categorized and you've confirmed that the balances match between your software and your actual financial institution. Life is good. In my next post it's time to do the fun stuff and see the outcome of last month's budget. This is where the power of your budget lays. Stay tuned.
Posted in 12 Weeks to Fiscal Fitness, Budgeting, How to | No Comments »
Two Common Objections To Using A Cash BudgetWritten by Sam - 5 Comments »
People have a big resistance to using cash in their budget. We've become so accustomed to using debit and credit cards that using cash is like a novelty. I wanted to address a couple of the concerns people have and why they don't outweigh the huge benefits of using cash.
Objection #1: It's Inconvenient
One of the main objections I hear about cash is that it's inconvenient. It's true that using cash may take a little longer than using credit cards. In fact, the credit card industry is well aware of this and emphasizes this point. Have you ever seen the TV commercial with graceful music playing as people use their credit card to check out. Suddenly someone pulls out cash. The needle scratches and the music stops as the person fumbles around with their money and all the other people look on disapprovingly.
That commercial presents a powerful emotional image.
The fact is, cash isn't that much more inconvenient. In fact, some cash transactions are faster than credit card transactions. Even more important, you want to remember the effect using cash will have on your budget. Think of all the time and pain avoided by not overspending and not having to agonize every month while trying to reconcile your accounts. That pain is much worse than the slight inconvenience caused by using cash.
Objection #2: My cash might get lost or stolen
First let's talk about cash getting lost. There is no more chance of you losing your cash than there is of losing your credit cards and/or other items in your purse or wallet with that accompanying inconvenience and risk.
To prevent getting your cash stolen, you do want to be careful not to flash around gobs of cash. It's helpful to have cash in envelopes for this purpose. It allows you to just use the cash you need. You can also make the cash ready and easily accessible before you go into the store so you don't have to flip through all of it in the store. To do so, take out the money you'll be using and put it in a convenient and easily-accessible pocket separate from the rest of your cash. No one will be the wiser.
Emily misplaced some of her cash one month and while that's never a welcome occurrence, it's much better to lose a couple hundred dollars once than to perpetually overspend $500 every month like we were doing before switching to cash. This was a one-time occurrence in the 5 years since we've been using cash.
One more suggestion that could help prevent lost or stolen cash is to withdraw money from your bank in chunks. Instead of taking all the money out once during the month, take half out at the beginning and half out mid-way through the month. This minimizes the possible amount you could lose if that misfortune occurred.
Try it to believe it
In the end, some people have to try using cash to really experience the benefits and become converted. You can come up with excuses all day about why you shouldn't use cash. Go ahead and do that and I'll talk to you in a year and find out that your budget still doesn't work and you're still living paycheck to paycheck.
I personally was a big skeptic and only saw the huge benefits of cash after doing a cash budget for a few months. Now I'd never go back.
Posted in 12 Weeks to Fiscal Fitness, Budgeting, Cash | 5 Comments »
11 Guidelines For Using Cash In Your BudgetWritten by Sam - No Comments »
1. You don't have to use cash for everything. Here's how to tell in which categories you should use cash.
To reap the benefits of using cash in your budget, you don't have to go exclusively to cash. Some may choose to go exclusive, but it's not necessary. Instead, identify which categories will be most effective for using cash using the tips below.
Use should use cash for categories where either you tend to overspend or where there are a lot of transactions in a month. Groceries is a main perpetrator of both those criteria which is why I absolutely recommend funding that category with cash. Other problem categories are ones relating to household spending (light bulbs, cleaning products, etc), eating out, personal, and entertainment.
There are actually some categories where it is easier to NOT use cash. Specifically I'll mention gas for your car. At first Emily and I used cash for gas but found it to be significantly more inconvenient, especially during the winter. After looking at our gas spending we realized that we don't tend to overspend on gas. Our gas budget went up and down depending on the price of gas, but we weren't more likely to drive less by using cash. I still had to commute to and from work no matter what and we don't take a lot of trips. Gas purchases also weren't hard to track in our financial software. We knew that if the transaction was at Texaco it was gas so it didn't add any confusion at the end of the month. In the end we decided that it wasn't worth it to use cash and now use a debit card.
Some categories are on the edge and could go either way. For example, haircuts is a category that I think should not be cash, but Emily likes it in cash. From my perspective it's not hard to track haircut transactions. A transaction at SportsClips is self-evident. There aren't a lot of haircut transactions. At most I will get one and Emilyi will get one. I'm also not likely to overspend and get haircuts more often if I'm not using cash. For me, this category doesn't need to be in cash.
For Emily that's not the case. She is more likely to get a haircut or styling if there's money available for it. She also will let money accumulate from month to month and then get her hair colored with the extra money. She likes having the money in cash because as it accumulates it gives her permission to do something extra without guilt. Therefore, Emily prefers to have this category in cash.
In the end we do our haircut money in cash, but we could just as easily split the category into "his" and "hers" and do one in cash and the other not.
2. You have to commit for cash to work.
When starting to use cash for chosen categories, you have to be willing to totally commit. If you have some transactions in cash and some on credit/debit card at the end of the month, you're going to run into the same headaches you've always had. This means that ideally both spouses are on board. If your spouse resists, see if he or she is willing to give it a try for just a month.
This also means that if you go to the store and forget the cash, you won't make any purchases until you go home and get it. That's the level of commitment it takes. I'll admit that on rare occaisions Emily or I will break down and use the debit card, but it's usually only if we're far away from home and are buying something we can't get close to home. Even then, we'll try to borrow cash from other places first. One of us usually has some personal money with us and so we can use that cash and then get paid back from the correct category when we get home.
3. Calculate what denominations to withdraw ahead of time.
When withdrawing cash, you'll likely be pulling it out for multiple categories at once and you'll want to make sure you have money in the right denominations to easily fund each category. For example, if a category needs $50 and the bank only gives you your money in $20 bills, it will create an inconvenience to then have to get smaller bills.
This problem can be easily avoided by figuring out ahead of time what types of bills you need ahead of time and then requesting those bills from the banker.
4. How to keep track of my cash
There's no right way to store and keep track of your cash. The most common method is to use envelopes.
There are three types of envelopes you can use.
- Regular envelopes from an office supply store. Unfortunately they don't have sizes customized for cash so you'll have to find the closest size that fits.
- Envelopes your bank gives you when making a withdraw. These are still a little large for my taste, but are smaller than regular envelopes and are free. Don't be shy about asking for an extra envelope or two when making a withdraw.
- Custom budgeting envelopes through Dave Ramsey. These are great, but cost a little extra. There are two different version which you can find using the links below.
Financial Peace University Envelope System
Deluxe Executive Envelope System
We have altered how we manage our cash from time to time. Sometimes we have an individual envelope for each category. Sometimes we keep all the cash in one envelope divided by index cards or post it notes. Feel free to experiment and find a way that works for you.
For men, using paper clips can be an easy way to separate your cash into categories. Often men won't have as many categories as women so this is manageable. You can buy multi-colored paper clips and use a color for each category. You could also cut out a small piece of paper, write the name of the category on it, and stick it in the paper clip with the corresponding cash.
Feel free to leave any comments or ideas on your favorite way of managing cash.
5. Pull out grocery twice a month if you need to pace yourself.
A common problem, particularly when first starting to use cash is to spend too much money in the grocery category too quickly. You may be excited to have all that cash in hand and go overboard on your first shopping trip. Then, you end up on the 20th with no cash left.
To avoid running out of money prematurely, you may want to take out only half the grocery money at the beginning of the month and the other half mid way through the month. This helps you pace yourself and ensures you don't run out of money with too much month left. If you want even more control or pacing, you could even take out a chunk once a week.
6. How to deal with purchases that go across multiple categories
Sometimes you'll be at a store like Walmart or Target and want to make a purchase that covers multiple categories. For example, you might be buying groceries, home improvement items, and personal items all at once.
There are two main ways to deal with this situation. The first and cleanest option from an accounting perspective is to split the items apart and have the cashier do multiple transactions. I've done this many times and it takes hardly any extra time. The cashiers can do it easily and usually the people behind me in line don't even notice.
The second option is to make one purchase and combine money from the appropriate category envelopes. This really only works well if you have a few items. If you have a lot of items you often don't know how much to total will be for each category and therefore how much money to take from each category. The other disadvantage of this approach is that you might not have exact change in your categories. But for some scenarios this may work well.
The third option is to pay for everything from one category and then look at your receipt afterward, total the amounts spent in other categories and move that money to pay back the original category you spent from. I don't prefer this method because it's just too much work. But again, it may come in handy on occasion.
7. Get used to planning ahead.
By committing to use only cash, you have to plan ahead at times to ensure you have the cash you need with you when you need it. For example, I often keep most of my personal money at home and only take what I need when I leave the house. If I forget to take some with me or run out while I'm out and about, too bad. I have to wait to make that purchase.
8. Give both spouses cash for a category if needed.
For the most part Emily does the grocery shopping, but sometimes I'll be out and Emily will call needing me to stop and get something. For these instances, it's nice for me to have $20-40 of the grocery budget on hand. The rest Emily keeps. If I don't end up needing to use it, I'll give it back to her towards the end of the month or when she needs it.
9. Don't be tempted to use accumulated funds improperly.
Some categories, like clothing, may accumulate significant amounts in them before they're spent. Don't be tempted to use those funds for something else unless you truly don't need them. One way to prevent temptation is to leave those funds at home in a safe place rather than carrying them with you. That way you only spend the funds when you truly need them. It also decreases the likelihood they'll get lost or stolen.
I live in a safe place and will sometimes leave the funds for these types of categories in my glove compartment. They're convenient to get at when needed but not constantly visible to me. Out of site, out of mind.
10. Only carry what you need with you
I've already referred to leaving some of your cash at home or in the glove box. There's really no use in carrying cash with you all the time if it's from a category that you may only spend in once a month or less.
By keeping money at home, it also discourages impulse spending. You have to consciously take the money before you make the purchase.
11. You must trust and be honest.
Using cash, there is some room for dishonesty in moving money between categories or using money from another category for personal purchases. If you don't have a trusting and honest relationship with your spouse, using cash may pose some problems. However, it's ok to use incentives when using cash. For example, my wife and I agreed that if she underspent on groceries, she could use the remaining money to build up our food storage. It was a good incentive for her to cut coupons or save a little extra and we all got the extra bonus and security of food storage.
Do you use cash in your budget? What tips do you have?
Posted in 12 Weeks to Fiscal Fitness, Budgeting, Cash | No Comments »
Benefits of a Cash Budget – Part 2Written by Sam - No Comments »
Be sure to check out part 1 about the benefits of a cash budget. In that article I explain how cash is the ultimate tool to help you control your spending and staying within your budget.
In part 2, I explain how budgeting will help save you time in the budgeting process.
How Cash Will Cut Your Budgeting Time By 80%
Think for a second about entering transactions into financial software like Quicken or YNAB. What are most of the transactions? By far the majority of the transactions come from categories like groceries, household, or entertainment. They are purchases at the grocery store, or walmart, or the corner convenience store. What if you took those transactions away. For most people, there are only a handful or two of transactions left that occur every month. You might have utilities, a cell phone bill, a few gas transactions, but that's about it.
Most of Your Transactions Come From Just a Few Categories
This is a classic 80/20 example. 80% of your transactions come from 20% of your budget categories. In fact, I would guess that for many people it's more of a 90/10 rule. 90% of their transactions come from 10% of the categories. If you've used financial software in the past, go check this out and see if it holds true. In fact, leave a comment and let me know if it's true. I know for us it IS true.
Now I want you to think about the time you spend budgeting every month and what that time is spent on. If you're like us it's spent on entering and/or categorizing transactions from the previous month. It's spent tracking down transaction #x and finding out what it was for. Either you don't remember or your spouse spent it and he/she doesn't remember. You spend time tracking down missing receipts. It's all a big mess.
Well all of that craziness doesn't have to be. In fact, I'm going to give you permission to stop entering every transaction. How can I do that? Well let me ask this: why do you need to enter all those transactions? Do you really want to know how much you spend on milk every month? Do you ever really care to know on an itemized basis what individual items you purchased in your grocery category? I don't think that's the case. If you think about it, all you really care about is spending the amount you want to spend in any given category. Well I've just shown that you can accomplish this goal by using cash. You don't accomplish this goal by tracking every little thing, if fact, doing so is a lag measure and won't have any impact on how much you spend next month. You'll just go through the same process taking a lot of time and experiencing the same or similar results.
One Entry To Rule Them All
So am I saying that we don't enter in our grocery transactions? That's exactly what I'm saying. We have one entry in YNAB that is a cash withdraw for our grocery category. We don't keep receipts, we don't enter individual transactions. And do you know what? We have achieved our goal of staying within our budget more frequently and consistently than we ever did tracking everything.
To be more specific, we have one cash withdraw, or sometimes two over the course of the month that cover a number of cash categories. At the end of the month, we may have as little as 10 total transactions in our register for the month and most of these are for automated transactions that are easy to identify, categorize and reconcile. It has literally changed our budgeting lives.
My cousin is a great example of how using cash can decrease your time spent budgeting. She pulls out cash for all of her non-automated expenses. She doesn't even split the money into categories. She has such a good sense of how much money they need in the month for the various categories that she can consistently stay within budget even without categories. At the end of the month, she has roughly 10 total transactions (if I'm remembering correctly) to deal with in reconciling her budget. Talk about quick and easy. Now I wouldn't recommend lumping all your cash together at first, but as you get a better intuitive grasp on your spending over time, you can easily start combining your cash categories like she does.
The Myth of Tracking Everything
Now I can anticipate how many of you are responding right now. Your mind is rebelling against the idea that you don't need to track every single transaction. It's true the idea of tracking everything has been drilled into us by many financial gurus over time. In fact, I'm reading a book called Your Money or Your Life
that emphasizes the importance of tracking everything. While it's a good book in general, I think the advice to track everything is misguided.
Let me ask, what's so important about tracking everything? Isn't the reason you want to track so that you can control your spending? Does tracking every transaction help? When I ask myself these questions it ultimately comes down to not overspending. As long as I'm achieving that goal, it doesn't really matter if I have a record of every transaction.
I'll admit there can be some benefit to detailed tracking. For example, you could do a detailed micro-level analysis of your spending. Doing so could produce some valuable, if not interesting results. It could even provide some useful insights that may help you change your behavior. For example, many people are shocked by how much they spend eating out if they don't track that separate from their grocery category. However, doing this type of analysis usually won't change your behavior and once you've found areas in which you've overspent, it's too late to go back and change it. The damage is already done.
If you're an analytical person and really want to do a detailed spending analysis, go ahead and do it, but limit it to one or two months and you should get all the value you need from it. In general, I don't think this type of analysis is necessary and prefer a top down approach rather than a bottom up approach as I discussed in my 10 Secrets to Marketing Success Podcast in week 3.
If you're really concerned about overspending in a particular area, rather than tracking everything in detail, make that area its own category and take out only the maximum amount of cash you're willing to spend.
The Psychological Advantage of Cash
The biggest psychological advantage of using cash is that it helps restore your connection with money. But there was another, unanticipated advantage for me and Emily. For years Emily always felt frustrated because I was a spender and she was a saver. Actually, that's not quite right. Emily wasn't necessarily a saver, but she didn't feel like she could spend money freely because she knew I was already spending plenty and therefore didn't feel like she could spend much more. She always felt either guilt or anxiety when spending money. By using cash, it gave her permission to spend. She had a very tangible indicator telling her it was ok to spend what she needed or wanted.
For me it was useful because I could decide ahead of time what my limit was and then throughout the month could see and be aware of that limit.
Your Action Plan
To take advantage of using cash in your budget to decrease the time spent budgeting simply take out cash for those categories in which you overspend or have a lot of transactions. Then over the course of the month don't worry about keeping receipts or recording the transactions in your financial software. At the end of the month you'll only have a handful of transactions to deal with and reconcile and you'll be done in a flash.
It's changed my life and it can change yours.
Posted in 12 Weeks to Fiscal Fitness, Budgeting, Cash | No Comments »


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In the world of college football recruiting, quarterback is seen as the glamour position to recruit. The question is always, "Who is going to be the top quarterback in next year's class?" Well one...
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Iran denies military presence in Syria, Lebanon
Tehran has denied the remarks attributed to the commander of the Revolutionary Guards that there has been an Iranian military presence in Syria and Lebanon, reported Monday the Iranian Al Alam television channel. The leader of the Revolutionary Guards General Mohammad Ali Jafari said on Sunday, according to the Iranian news agency ISNA that members of the elite Al-Quds force were in Syria and Lebanon to provide non-military assistance, but they could intervene on the ground if Syria was attacked.
"The remarks attributed to Jafari for political reasons by some Arab and Western media were selective and false," said the spokesman of Iran's Ministry of Foreign Affairs, Ramin Mehmanparast. "There is no Iranian military presence in the region, especially not in Syria," he added.
On Monday, Lebanese President Michel Suleiman asked Iran for explanations about the possible presence of inside Lebanese territory of Revolutionary Guards elements, who helped create the Shiite movement Hizbullah some 30 years ago. The Lebanese leader requested official explanations from Iran at a meeting with Iranian Ambassador Ghazanfar Roknabadi, said Monday the Lebanese presidency.
Roknabadi has also denied media reports that Iranian soldiers were in Lebanon. Western countries and the Syrian opposition accuse Iran, which supports President Bashar al-Assad since the beginning of the crisis in March 2011, of supplying weapons and expertise to the Syrian army.
Top Headlines
- Report: Syria Boosts Military Presence in Lebanon amid Escalating Political Crisis
- Report: UN Security Council to discuss draft resolution scolding Syria, urging to end military presence in Lebanon
- Syria denies reports about Iran, Hizbullah assistance
- Report: Iran has military advisers on the ground in Syria
- Syria ends military presence in Lebanon


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Safety Study of Imexon Plus Docetaxel in Lung, Breast or Prostate Cancer Patients
This study has been completed.
AmpliMed Corporation
ClinicalTrials.gov Identifier:
First Posted: May 18, 2006
Last Update Posted: June 24, 2015
Information provided by (Responsible Party):
AmpliMed Corporation
- Full Text View
- Tabular View
- No Study Results Posted
- Disclaimer
- How to Read a Study Record
Protocol AMP-010 is a Phase 1b study of imexon plus docetaxel for patients with previously treated breast cancer, previously treated lung cancer or hormone refractory prostate cancer. Docetaxel is approved by the Food and Drug Administration (FDA) as a second line therapy for these cancers. The imexon is administered on days 1-5 and the docetaxel on day 1 of every 3 week cycle. The objective of the protocol is to determine the highest dose of imexon which can be given with a full dose of docetaxel, and to provide information to enable the design of a future study focused on one or more specific cancer types.
|Non-small Cell Lung Cancer Breast Cancer Prostate Cancer
|Drug: imexon Drug: docetaxel
|Phase 1
|Study Type:
|Study Design:
|Allocation: Non-Randomized
Intervention Model: Single Group Assignment
Masking: None (Open Label)
Primary Purpose: Treatment
|Official Title:
|A Phase 1 Trial of Amplimexon® (Imexon, Inj.) Plus Taxotere® (Docetaxel) in Previously Treated Inoperable Stage III and Stage IV Non-Small Cell Lung Cancer (NSCLC), Locally Advanced or Metastatic Previously Treated Breast Cancer or Hormone Refractory Prostate Cancer
Resource links provided by NLM:
Genetics Home Reference related topics: breast cancer lung cancer prostate cancer
MedlinePlus related topics: Hormones Prostate Cancer
Drug Information available for: DocetaxelU.S. FDA Resources
Further study details as provided by AmpliMed Corporation:
Primary Outcome Measures:
- Determine the tolerability [ Time Frame: duration of study ]
- determine the maximally tolerated dose (MTD) [ Time Frame: duration of study ]
- determine the dose limiting toxicities (DLT) of increasing doses of imexon in combination with standard doses of docetaxel [ Time Frame: duration of study ]
- correlate changes in plasma glutathione (GSH) levels with imexon dose levels [ Time Frame: cycle 1 ]
Secondary Outcome Measures:
- Record any objective tumor responses which may occur [ Time Frame: duration of study ]
|Study Start Date:
|October 2005
|Study Completion Date:
|July 2008
|Primary Completion Date:
|July 2008 (Final data collection date for primary outcome measure)
|Assigned Interventions
Experimental: A
Docetaxel plus imexon
Drug: imexon
IV variable dosages, days 1-5 every 21 days for duration of study
Other Name: AmplimexonDrug: docetaxel
IV once every 21 days for duration of study
Other Name: Taxotere
Information from the National Library of Medicine
Choosing to participate in a study is an important personal decision. Talk with your doctor and family members or friends about deciding to join a study. To learn more about this study, you or your doctor may contact the study research staff using the contacts provided below. For general information, Learn About Clinical Studies.
|Ages Eligible for Study:
|18 Years and older (Adult, Senior)
|Sexes Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- Be diagnosed with previously treated breast, lung, or prostate cancer where docetaxel is indicated.
- Prior treatment; at least one prior regimen required.
- Able to perform the activities of daily living.
- Off prior cancer therapy for at least 4 weeks.
- If female neither pregnant nor nursing.
- Willing to use contraceptives to prevent pregnancy.
- No other serious illnesses.
- No other active malignancy.
- No serious infections.
- No other current drug therapy for the cancer.
- Blood counts and blood chemistries in or near normal range.
- Prior radiation is permitted.
Exclusion Criteria:
- Active brain metastases.
Contacts and Locations
Information from the National Library of Medicine
To learn more about this study, you or your doctor may contact the study research staff using the contact information provided by the sponsor.
To learn more about this study, you or your doctor may contact the study research staff using the contact information provided by the sponsor.
Please refer to this study by its ClinicalTrials.gov identifier (NCT number): NCT00327288
Please refer to this study by its ClinicalTrials.gov identifier (NCT number): NCT00327288
|United States, Texas
|Investigational Site 008
|Houston, Texas, United States, 77030
Sponsors and Collaborators
AmpliMed Corporation
More Information
Keywords provided by AmpliMed Corporation:
Additional relevant MeSH terms:
Moulder S, Dhillon N, Ng C, Hong D, Wheler J, Naing A, Tse S, La Paglia A, Dorr R, Hersh E, Boytim M, Kurzrock R. A phase I trial of imexon, a pro-oxidant, in combination with docetaxel for the treatment of patients with advanced breast, non-small cell lung and prostate cancer. Invest New Drugs. 2010 Oct;28(5):634-40. doi: 10.1007/s10637-009-9273-1. Epub 2009 Jun 6.
|Responsible Party:
|AmpliMed Corporation
|ClinicalTrials.gov Identifier:
|NCT00327288 History of Changes
|Other Study ID Numbers:
|First Submitted:
|May 17, 2006
|First Posted:
|May 18, 2006
|Last Update Posted:
|June 24, 2015
|Last Verified:
|June 2015
Keywords provided by AmpliMed Corporation:
Hormone refractory prostate cancer
Additional relevant MeSH terms:
Breast Neoplasms
Lung Neoplasms
Prostatic Neoplasms
Carcinoma, Non-Small-Cell Lung
Neoplasms by Site
Breast Diseases
Skin Diseases
Respiratory Tract Neoplasms
Thoracic Neoplasms
Lung Diseases
Respiratory Tract Diseases
Genital Neoplasms, Male
Urogenital Neoplasms
Genital Diseases, Male
Prostatic Diseases
Carcinoma, Bronchogenic
Bronchial Neoplasms
Antineoplastic Agents
Tubulin Modulators
Antimitotic Agents
Mitosis Modulators
Molecular Mechanisms of Pharmacological Action


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Short barrel, Short Stock Rifle........is this one legal?
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March 28, 2012, 08:32 AM
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Join Date: March 28, 2012
Posts: 10
Short barrel, Short Stock Rifle........is this one legal?
Hi everyone, I'm new here and I have a question about cutting the barrel and stock from my rifle.
I have a Remington 597 brand new 2012 model (paid full price for it) so its not worth selling it and loose money to buy a Ruger Charger, that been said I want to modify this rifle
to a look a like Ruger Charger and keep it out of the SBR tax stamp fee.
Searching online how can I do this without paying the $200 tax fee and keep it legal and I found this info about cutting the barrel and total length of the rifle. 16" inch barrel and total rifle length of 26"
Wikipedia Short-barreled rifle (SBR) is a legal designation in the United States, referring to a shoulder-fired, rifled firearm with a barrel length of less than 16 inches (40.6 cm) or overall length of less than 26 inches (66.0 cm). In the United States, an SBR is an item regulated by the Bureau of Alcohol, Tobacco, Firearms and Explosives (BATFE) as an NFA firearm. In the absence of local laws prohibiting ownership, American civilians may own an SBR provided it is registered with the BATFE, and a $200 tax is paid prior to taking possession of or creating the firearm.
This is what I want to do if possible and ad a BiPod, is this legal? or do I need a folding stock?
Any help will be appreciated.
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Ok, to give you some background I wanted to practice using my HQ16 and practice making feathers. I purchased a whole cloth DWR pattern, because I was excited to get started and didn't have anything already pieced together. I know that my feathers got better by the end o fthe quilt, and it's just for my own use (unless DD comes to claim it as she threatens to).
back of quilt (man side-notice the footballs)
front side (woman's side-DWR)


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Please note that we cannot ship mirrors unless ordered with a vanity of the same brand, due to the high probability of breakage. Local customers can pick up from our Los Angeles warehouse.
The perfect complement to the Custom Collection Clarissa Vanity is this mirror designed with simple elegance in mind. A 4" shelf extension is perfect for display. The size was thoughtfully selected to coordinate with all three vanity sizes offered in the collection and is available in the Espresso finish. There may be minor color variation because all items are hand painted and finished. Your Cole & Co. quality vanity is a significant investment expected to last for generations. To maintain its beauty and help it last, please refer to the Custom Collection product information sheet and the Care & Cleaning FAQ.
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Its about that time again when I look out a gazillion options for our Winter break trip. Our list of conditions hasn't gotten rather long these days and anywhere arctic cold is totally out (please realize arctic to a Miami family is really just cold to normal people.) And since my points accounts are in the process of recharging - we have to pay for 4 plane tickets.
After thinking for a while we came up with Austin, Tx and the surroundings. DH and kids have never been to Texas and Ive never been to Austin, its not too cold, and it has a great food scene. So I'm thinking of of 8-10 days. I know that's too long for just Austin, we can also hit San Antonio (Alamo) and ???? Houston?? My 14 year old is a science nut, is it worth the drive for NASA? Little guy is 11 - loves any sport and beef!!! We are all National Park junkies if there is anything in driving distance.
Our last winter trips include, Arizona, So Cal, No Cal, Argentina, Italy, and NOLA(kids stayed home for this one.)
Any thoughts??
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Austin, San Antonio Winter break Trip 2013
Its about that time again when I look out a gazillion options for our Winter break trip. Our list of conditions hasn't gotten rather long these days and anywhere arctic cold is totally out (please realize arctic to a Miami family is really just cold to normal people.) And since my points accounts are in the process of recharging - we have to pay for 4 plane tickets.
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We had never been to West Texas, so in February 2012, we drove from Austin to the Big Bend area for 5 nights and had a great time. The weather was fabulous at that time of year to be at Big Bend--pleasantly warm during the day and pleasantly cool at night. So, I'd recommend that you combine 3 days in Austin with 5-6 days in West Texas instead of going to San Antonio or Houston. Based on the interests of your family (science, National Parks, and beef), I don't think you can go wrong.
My recommended itinerary would be:
Day 1--Drive to Fredericksburg with a stop to do the driving tour at LBJ National Historic Park. In Fredericksburg, you'll find some great German and non-German restaurants. There's also a fun Main Street with some shops that you all will enjoy. Be sure to stop at Rustlin' Rob's for free tastes of all the sauces, jams, dips and fudge they sell. And don't miss the "blast from the past" at Dooley's Five-and-Dime. If any in your group are WWII history fans, they won't want to miss the National Museum of the Pacific War. Also, you might want to drive outside of town to climb Enchanted Rock. Then spend the night in F'burg or drive on to Junction. We stayed in Junction at the Best Western Plus Dos Rios and ate some great BBQ beef at Lum's--a real "Texas" kind of place.
Day 2--Drive to Big Bend NP and stay at the Chisos Mountains Lodge. (We stayed in Alpine and drove to BB, but you'd probably prefer to be right in the park.)
Day 3--Big Bend
Day 4--Drive to Davis Mountains State Park and stay at Indian Lodge. Visit the McDonald Observatory and be sure to do the tour that takes you to see the various telescopes. If you are there on a weekend, make a reservation for the Star Party. In lieu of, or in addition to the Star Party, drive to Marfa to see the famous Marfa lights. Even more amazing to me than the Marfa lights were all the stars we could see away from the city!
Day 5--Tour historic Fort Davis. (Your sports-loving son will enjoy seeing the film which is hosted by Kareem Abdul Jabbar. I think he was chosen to narrate this film because he is the author of several African-American history books and the Buffalo Soldiers were stationed at Fort Davis.) If you have the time (and the interest) you can do the scenic hike from Indian Lodge to Fort Davis, something we really enjoyed. Depart for Austin this day or stay one more night if you have time.
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longhorn -
Thanks so much for your feedback!!! Im checking it all out!! The drive from Austin is 6 hours each way, huh?
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Yes, it's about a 6 hour drive and the speed limit for much of the way is 80 mph. It really didn't seem like a long drive to me because I loved all the West Texas scenery.
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Thanks for this great information. Since we bought our first RV 3 years ago, my husband and I have taken a 4-5 week fall trip usually in September/October. This year circumstances have forced us to push our trip later into the year and many of the places we would normally go will be too cold.
So I started investigating and the Big Bend area caught my interest. A lot of your advice for MiamiBeachMomma will work for us as well. We've already been to Austin, so may skip that this trip and go up into southern New Mexico to see the White Sands NM and other nearby attractions.
I'm looking forward to the dark skies out there. We used to see the Milky Way here quite often. Then they installed street lights.
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Glad to have been of help, Floridafran. By all means, do go to White Sands and Carlsbad Caverns in NM. (While I had never been to West Texas until last year, I have been to NM and it's a very scenic state too.)
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Not trying to hi-jack this thread but have a quick question for longhorn55.
We had originally intended to make this trip from mid/late November into mid/late December. We may now how to push it even more due to the health issues of a family member. I know the weather varies from year to year but at what point, if any, does it usually get too far into winter to do this, weatherwise. Just FYI, we don't mind cold - have been to Yellowstone in winter in our pre-RV days - just don't want to push it as far as being safe/comfortable for hiking and suitable for the RV. (We've had it in freezing temps for a few hours with no problems but wouldn't want to do it for an extended period, especially if we were camping without electrical hook-ups.)
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I have been to San Antonio in late January/early February several times for conferences, and while it was gloriously warm for Bostonians, rain was not uncommon. You might want to check out climate data if you go at that time. "Glorious" means a high in the 60's or low 70's.
Friends from Nantucket took their two teens on almost exactly the trip longhorn describes in February last year, though they stayed longer in Big Bend. They all loved it, and the teens want to go to UT Austin. Weather was great.
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Ah, Ackislander, your friends children are wise beyond their years if they want to go to UT Austin!
Floridafran, I'm afraid I'm no expert on the winter weather in West Texas. All I know is that we were there in mid-February and the weather was gorgeous! Clear, sunny days with temps in the 60's. Cool, clear nights and I just wore long sleeves and a fleece jacket.
Perhaps this link will be helpful:
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What about must sees/dos in the Austin area?
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Thanks, longhorn55.
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I absolutely disagree with the idea to go to Fredericksburg and West Texas on your trip. We live here and do often go to New Mexico and drive that way. It is an awful drive. I know I don't want to drive 12 hours once I fly to my destination.
You may want to or you may not but I just want to stress that that itinerary is not for everyone. Check out the info on Big Bend to see if it interests you that much.
When my sons were your son's age, we took them to the Natural History Museum in Houston. I would do Austin, San Antonio and Houston.
Also, lots of people recommend Fredericksburg, but to me it's just a tourist trap unless you are dying to do a hill country drive. My kids were not the type to enjoy a war museum. I've been there several times and do enjoy that kind of thing, as does my husband, but the kids (now both in college in Austin) never did. If you do go that way, you might want to check out Enchanted Rock because the main street is basically just shopping at overpriced shops.
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When you say Winter Break do you mean December break or February?
The website for the Houston museum of natural science:
Things to do in Austin:
Texas Bob Bullock museum:
Segway Tour or Duck Tour
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December break.
We don't get a Presidents week break
Airfares are killing me!!! So jacked up for Christmas. Worse than in past years (imo.)
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Does this alter your trip planning?
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Seems like OP is heading to Vegas instead of TX.
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Airfare everywhere is ridiculous this year!!! I just cant pay 500+ a ticket when its normally $200 (unless we fly out at 5:45 am - which in my experience ruins the 1st 2 days of the trip since everyone sleep schedule is out of whack (especially mine!)) Although Vegas is still a maybe - not everyone convinced its go. That's why Im looking at the National Parks option - much more enticing! Death Valley seems like a good plan in December - or possibly Zion. When we started this venture we looked at Santa Fe - which I am still so interested in - but airfare is $700+ a ticket!! Yikes!
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Stocks plunged briefly Tuesday after a false report of a bombing at the White House went out on The Associated Press's Twitter account.
The false report briefly erased gains made as earnings from Travelers Cos. to Netflix Inc. beat estimates. But stocks recovered quickly after it was determined that the report, sent when AP's account was compromised, was false.
Netflix jumped 25 percent for the biggest advance in the S&P 500 after acquiring more new subscribers than analysts forecast. Travelers rose 2.3 percent as profit exceeded projections. Bank of America Corp. gained 3.3 percent after Morgan Stanley recommended investors buy the stock. Coach Inc. surged 11 percent as fiscal third-quarter profit beat estimates and the company raised its dividend. Apple Inc. gained 1.7 percent before reporting results after markets close.
The S&P 500 rose 1.1 percent to 1,576.44 at 1:31 p.m. in New York after briefly dipping as low as 1,563 following a post on Twitter from the Associated Press saying there had been explosions at the White House. The AP said its Twitter account had been hacked and there was no explosion. The Dow Jones Industrial Average added 129.09 points, or 0.9 percent, to 14,717. Trading in S&P 500 stocks was 21 percent above the 30- day average at this time of day.
"We saw a huge dip in the futures, immediately starting as headlines went out that the AP Twitter feed was reporting on the White House incident," Dave Lutz, head of exchange-traded fund trading and strategy at Stifel Nicolaus & Co. in Baltimore, said by e-mail. "That spread quickly but we advised clients there was no confirmation from the White House or any of the other news outlets."
The benchmark U.S. equity gauge added 0.5 percent yesterday, rebounding from the biggest weekly drop in five months. The S&P 500 has surged 133 percent from a 12-year low in 2009 as corporate earnings beat estimates and the Federal Reserve embarked on three rounds of bond purchases to stimulate the economy.
Earnings Scorecard
Of the 131 S&P 500 companies that have reported their quarterly results so far, 73 percent have exceeded analysts' predictions for earnings, data compiled by Bloomberg show. Profit at S&P 500 companies dropped 1.1 percent in the first three months of the year, according to forecasts compiled by Bloomberg. That would mark the first year-over-year decrease since 2009.
"So far so good on the earnings season, which has been fair, but we still need to see a lot of company reports," Mark Kravietz, a Melville, New York-based partner and managing director at HighTower Advisors LLC, said in a phone interview. He manages about $300 million. "We're still in a bull market but in a pause to refresh after the first quarter rally."
China Growth
In China, the preliminary reading of 50.5 for a purchasing managers' index released by HSBC Holdings Plc and Markit Economics today compared with a final 51.6 for March. The April number was also below the median 51.5 estimate in a Bloomberg News survey of 11 analysts. A reading above 50 indicates expansion. China's economic growth unexpectedly slowed in the first quarter, data released last week showed.
"China is managing a cool-down of its economy, but I don't expect good growth on a global basis this year, and not perhaps for 2014," said Jean Borjeix, who helps oversee $65 million as managing director for investments at Platinium Gestion in Paris in a phone interview. "I am not as optimistic as the consensus, with a U.S. equity market that is looking expensive if you consider profit margins are topping."
Purchases of new U.S. homes capped the best quarter for the industry since 2008, providing more evidence the housing recovery will be sustained.
Sales of single-family properties climbed 1.5 percent last month to a 417,000 annual pace from a 411,000 rate in February, Commerce Department figures showed today in Washington. The median estimate of 76 economists surveyed by Bloomberg called for March sales to rise to 416,000.


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##Rouge Trader: Satrius Na-Rami Console##
##permission granted: Welcome Captain##
In the newly claimed Arc system, we landed on the planet XXPLACEHOLDERXX and began to find any life suitable for enrollment in the Imperium, lacking that we will find any resources or monies of value and provide a display of might for the local…. creatures.
We encountered a race not fit to name on the planet's surface. Reptilian in appearance and devoid of worthwhile technology we eliminated what we considered to be their commander and laid waste to the pathetic huts they assembled.
Our scans reported the evidence of ##entry redacted: profit factor risk indicator detected## in enough supply to warrant excavation of the surrounding area.
Also of note was the existence of a downed light cruiser the His Will be Done the vessel broke into two main pieces while entering the planet The crew must have been stranded for millenia on the surface – the survivors gene pool becoming ever more shallow. A disgraceful lack of progress has been made on their behalf toward re-establishing communications with the astronomicon. But these were the workers mostly in this section and considering the lack of officers, one can understand their lack of progress. That said, their crude appearance and broken gestures towards the glory of the Emperor was commendable – like the drawings of a child.
I will begin to break down a review of senior officers now:
Nemo: The navigator is preforming admirably. We have encountered several warp storms to this point and we have come through scarred and carry no taint of the warp. Her tactics are… odd to my eyes, but she knows her craft. This is certain.
Sister Archis: A voice of calm reason is always enjoyed. Despite having much to attend to on board the ship our Psyker made the away mission and proved valuable in locating the source of the fuel supply, and as well as judging the intentions of the crew survivors.
Hexus: A gunslinger by trade and a wanderer. Useful, though curt and sometimes forgetting himself and his place. But… His background is totally foreign to me, and in my tour of penance I must learn to trust that which I am wary of. To an extent naturally. I must find means of utilizing his talents more.
- End of Log ##
- access another article?##


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Experts predict more cyberattacks will target FI mainframes.
With 43% of cyberattacks targeted at small organizations in 2015, credit unions have reason to be concerned.
Editorial commentary on current issues from CU Times' editorial staff and correspondents.
New credit card data breach causes security experts to possibly change their cybersecurity strategies.
Fintech providers need to help user workflows, not just deliver integrations.
Pokémon Go players wipe out in various ways as they wander the real world in search of digital monsters.
Credit unions must position themselves as hard targets to fight malicious email schemes.
Protect your credit union's digital village by keeping a close eye on employees, vendors and hackers.
Cybercriminals target financial institutions by installing advanced malware on the global SWIFT system.
Cyber thieves continue to prove that no one's data is safe.


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Ars watches the Watchmen, and brings you our verdict. The film is nearly three hours long, and some performances fall completely flat while others bring the characters to life. The movie is often moving, sometimes infuriating, and is almost criminally dense with music, motion, and plot. One of the best comics becomes an uneven, if masterfully created, film.
Read the whole story
I'm gonna go see this Monday, however I think I'm more excited to see that awesome new startrek trailer on the bigscreen (it's playing before the movie).
Some fair points here. I re-read the graphic novel a couple days before watching, and was impressed by how closely the film was able to match the book. The major change to the ending was actually well done, and didn't really alter the important aspects from the comic.
I find the criticism of Ackerman pretty unfair. She didn't bother me nearly as much as the actor who played Ozymandias, but most fans of the book are unlikely to be satisfied with every single casting choice. Overall they did quite well.
I agree, the book's chapter about Dr. Manhattan is perhaps the high point of the whole thing, and would have been impossible to replicate. But again, they did a good job, mainly because of Crudup's performance and Snyder's willingness not to hold back on the character's lack of clothing (and the book actually has about 6 or 7 panels of him nude, some repeated).
For me, the high point of the film is definitely Rorschach--his back story was my other favorite part of the book, and the movie was able to match this much more closely (although with an obvious yet effective change in the manner that Rorschach killed the kidnapper). With Haley's performance, we truly have a new standard in film for the hard-edged vigilante, one who is brutally violent yet still able to connect with the audience and earn our sympathy.
I think one debate will obviously be how this movie compares to Iron Man and Dark Knight. I thought both of these were good yet overhyped, while Watchmen, in my opinion, should be considered the new standard for the gritty superhero tale.
I could have written this review. Concur almost 100%.
I think Snyder did the best he could have, considering that the movie could have easily been 10 hours.
In a way, my mind is contaminated by having read the comic. The scene where Silk Spectre puts away the coffee cups might have been baffling to people who couldn't read the comics, but I didn't think twice about it.
The pacing, while it seemed natural to me because I was essentially playing back the comic in my mind, seemed weird to my wife, who hasn't read it.
Haley as Rorschach was amazing. He really brought the character to life. Silk Spectre and Ozymandias fell flat.
Overall I enjoyed it. You definitely know this is a Snyder film. At times you can take some of the scenes from 300, change the music, and overlay them right on top of the watch me. Particularly the love scene and the run through the prison. Rorschach was amazing. Visually it looked great. Haley was amazing. The Comedian was great. I'm even ok with Akerman. I think it did drag a few times but I give that up to the attempt to tell the whole story. I don't know think this movie is for everyone but I enjoyed it.
I haven't read the comic, and watched the movie. I found it really entertaining, and I agree with most of this interview.
I dont think Ackerman is necessarily a bad actor, as much as I dont think Snyder knows how to direct actresses very well. He barely had any women in 300, and all the female performances in the movie were grating (and by all I mean the maybe 3 paid female performances in the movie).
I actually really enjoyed it--at times, more than the book (especially the scenes featuring Nixon)--and wonder why it seems to be getting almost universally negative commentary, particularly regarding the length and the serious tone of the film. This is clearly not a story that could be told in a light-hearted, 83 minute "Batman & Robin"-esque giggle-fest. This is a story about the nature of mankind: the fact that we are an intrinsically violent, greedy, war-mongering species, hell-bent upon ensuring our mutual destruction. I think the film did a great job of recapitulating the paranoid "no one gets out alive" cold war mentality that made the book so interesting. As for the ending, well...I think it would have been way too hard to attempt to explain a giant faux-space squid. The film's ending was functionally equivalent and to be honest, I'm having a difficult time deciding which ending fits better. And I'm glad they left out the pirate bit--it was a cute little self-deprecating meta-fiction in the book, but it didn't really add to the story.
Certainly makes up for the flaming bag of donkey shit that was '300.' Did that movie even have a script, or was it just a long music video with some trippy visuals?
According to pumkinut in the Lounge thread, Dr. Manhattan's penis appears in the comic:
Issue 4 Page 2 Center panel
Issue 4 Page 5 Top Center panel
Issue 4 Page 10 Bottom Left panel
Issue 4 Page 25 Bottom Left panel
Issue 4 Page 29 Splash panel
Issue 9 Page 6 Top Right panel
Issue 9 page 6 Center Left panel
Issue 9 page 6 Center Center panel
Issue 9 page 22 Bottom Center panel
Issue 9 page 23 Top Left panel
Issue 9 page 26 Top Center panel
Issue 12 page 12 Top Right panel
Issue 12 page 25 Bottom panel
Issue 12 page 26 Top Right panel
which I count as 14 times.
I think Silk Spectre II did a faithful job to the character. Oscar worthy it wasn't, but the *character* acted out of place most of the book.
Ozymandius, on the other hand, was week. I think the movie version was a little too figure skater, not enough Brad Pit.
Not to mention that 9-11 proved that only taking out New York wouldn't do jack shit to ensure world peace.
On the other hand, and I hope to God I'm wrong, it seems like they changed Dan and Laurie's ending just enough to let some other director make a cash-in, straight-to-DVD sequel. In the book, Dan and Laurie had changed their identities completely and set out on new, normal lives for themselves. Additionally, the Night Owl lair was gone. In the movie, they haven't even changed their appearance and Dan is just finished working in his Night Owl workshop.
For the record, the "groan-inducing visual pun for ejaculation" is also in the comic. Just sayin'.
For the record, the "groan-inducing visual pun for ejaculation" is also in the comic. Just sayin'.
I don't think this is a very fair assessment. Adults can and do get turned on by outfits. There's nothing juvenile about it. Showing adults on-screen acting like adults when it comes to sex is actually refreshing.
One of the things I thought the film did best was handle sex and sexuality in a believable way. The sex scenes weren't the usual "tender lovemaking under the covers with the bra on" garbage you tend to see in Hollywood; they looked and sounded like what two people having sex would actually look and sound like (as far as it can be approximated without being porn).
I wanted to add. The music in the movie was simply astounding, and added to the movie immensely. But I agree. The "Music Licensing" Line item in their budget must have been ridiculously large...
I walked into this moving willing to give Snyder significant affordance for medium translation. Significant. Unfortunately, two makes a trend, and it has become apparent that Zack Snyder has little if any grasp on the formal elements of the filmic medium.
Editing and pacing come to mind first. Music and sound come second.
There are several moments in the film which deliver - they hit just as hard as they are supposed to, and with significant depth and solid delivery. These are the times at which Snyder practices a level of restraint that shows so rarely it has become obvious across two movies that they are due to luck of the draw and not cinematic calculation.
The soundtrack reeks of having been chosen by a senior in high school or a freshman in college, taking tracks from his or her "Most Played" playlist on iTunes. "I've always wanted to use Simon and Garfunkel in a movie, and now I have the budget!" There are scenes throughout the film which would have been significantly improved not by even changing a song, but by simply removing the song chosen altogether. The graveyard scene comes to mind. It was not cute. It was not deep. It was sloppy, misunderstood, and unnecessarily emotional. Restraint.
The moral is that, while translation of a story and atmosphere from medium to medium is a difficult task, there are correct and incorrect ways to go about the process. Orson Welles correctly understood the emotional and psychological core of War of the Worlds when he adapted the story for radio in the late 1930s, and allowed himself to create it in the style of the newscast. He understood the cultural niche into which radio played, and designed his War of the Worlds broadcast around NOT ONLY the story, but ALSO the medium. He reconciled both, created something new, and CORRECTLY interpreted the core of each. The result was a well calculated experience that has been rarely reproduced in decades since.
When Zach Snyder approached Watchmen, he did not allow the story and characters to create a world. He simply adapted the graphic novel: Pane by pane, word by word. And he did a fine job.
He did a fine job making Watchmen: The Graphic Novel in Filmic Form. He did not make Watchmen. To make Watchmen: The Film, one must have a much stronger grasp of both mediums and how they relate to audiences and each other. Zach Snyder does not "understand" film in the same way that he does not "understand" the atmosphere perpetrated by the pane-by-pane audacity of the comic form.
I think the music was heavy handed. "All Along The Watchtower" was particularly out of place.
+++++ pvd
Watchmen was a lot like the first two Harry Potters in that it did not capture the feel but merely the book. Successful adaptations must capture the feel and not try to cram in everything.
Which is humorous, since Moore quotes this song in the actual comic. It's one of those places where the director tried to give an homage to the film, but it didn't quite work since a comic deals with words and images, and doesn't have to consider if sound will fit with what's going on.
Yeah, but 9-11 wasn't a botched invasion from another dimension (nor did it "take out New York").
He was referring to the flamethrower bit, not the sex itself.
Personally, I loved it. Some of the pacing could have been better, but I actually preferred this storyline. I had trouble suspending disbelief with the manufactured alien lifeform thing (but for whatever reason, I went with Dr. Manhattan).
I'm just glad we didn't get this.
I saw the film without benefit of the book. I was uncomfortable with the sex scenes and the amount of blood depicted. The story could have been toned down a little without losing emotional impact.
I found that the character of Rorschach was the most interesting. To me he was the superhero, unwilling to compromise his character, all the way to the bitter end.
But that was enough for me. The rest of the characters seemed only necessary to create the conditions under which Rorschach was fully exposed.
The romance between the 2nd versions of goggles and spandex chick was rushed. The girl seemed extremely unfocused and the guy just exuded Hugh Hefner as eunuch. I didn't get it except as some attempt to show a similar ineptitude in making mating choices between the mother and daughter.
Too much story in too little time. Incomplete exposition of Manhattan's metaphysical breakdown and transition.
I think this subject, like Frank Herbert's Dune, would be better treated on the small screen in a mini-series format where character development and overly-complex plot is better tolerated.
See it for Rorschach, cover your eyes at times, ignore the clunky parts and you have a masterpiece.
What are you, Ned Flanders? The scene were Rorschach chopped the murderer's head in half with a meat cleaver...fantastic. I am very glad that they did not walkie-talkie Watchmen. The book was violent and was about the fact that humans are intrinsically violent and destructive.
After reading part of this article, I realized that there should be a spoiler warning at the beginning, frankly I do not want to know alot of stuff divulged in the article BEFORE I see the movie. What are you thinking arstech?
I don't think the assessment of the romance bits was really fair. In the comic, Laurie and Dan didn't really hit off that well. They didn't have a deep, soul-binding love affair. I think that while it seemed odd to see on a movie screen, an affair without chemistry is exactly what was called for. It's a flabby, drab fifty year old with erectile dysfunction getting it on with someone half his age who hasn't known a life that isn't costumed heroism or quantum sexual stimulation.
I do agree that seeing Bubastis was somewhat jarring in the film. It's so encouraging to see all the novel's various threads at least brush on the movie, if not get included properly. I'm really, really hoping that the super-ultimate-bluray edition of this movie will have a plethora of bonus footage. It better!
I've never understood this mentality. When do you see a review/discussion of a movie that doesn't give away things? If you don't want to know about the movie, then don't read articles on it.
there may be a diff between a internal thread (humans trying to kill each other), and an external threat...
im tempted to say that what have maintained usa as a single nation for so long is the leaderships ability to channel the national focus towards some kind of external threat.
so what would happen if one do said channeling on a planetary level?
The film version is the first (and probably last) that I've heard of Watchmen, so at the risk of being flamed by the fans: what is the point of the characters being "superheroes" in the movie? As the review noted, only Mr. Manhattan seemed to have any powers. Otherwise, the "powers" of the Watchmen can be summed up as follows:
The Comedian - Old guy Kung Fu
The Owl - Kung Fu with hi-tech glasses
Silk Spectre II - Kung Fu in latex and heels
Ozymandias - Very fast Kung Fu
Rorschach - Masked Kung Fu
Mr. Manhattan - Too blue for Kung Fu
So basically, a bunch of masked vigilantes, right? Ironic I know, but I think it's the comic-book element of it that killed any respectability that I would have had for the story - which otherwise might have had the potential to be quite profound.
A big resounding "meh" from me for this movie.
Good review. I'm mostly in agreement with it. I've read most of the other reviews from CNN, Wired, etc and I am mystified by the almost universal bad reviews of the movie. I enjoyed it and think that it captured the spirit of the source material. It wasn't perfect but it was close enough.Some of the acting and fx (I thought Dr. Manhattan's facial animations were off) were underwhelming but not bad enough to kill the Suspension of Disbelief.
yes. this was a story about people. not people with superpowers discovering what a blessing/curse their powers are. people who simply wanted to do good.
this is an alternate universe where some people were brave enough to go out and fight crime, clean up the streets, and do some good.
and the world goes to hell anyways.
@zzyss: I guess you'll never get it, then. You're too hung up on the trappings to appreciate the story underneath. Hurm.
I actually really liked this film and I had read the comic some time ago. The 3 other people that I saw it with, however, had not read the comic and I think liked the movie more than I did.
The differences didn't bother me all that much to be honest nor the acting by anyone. Dr. Manhattan's detachment was well done and I thought the Comedian was also very well done considering that character would be very hard to act given the emotional range of the character.
Two of the differences between the comic and the film, sans the ending, actually made me think about the difference between the two mediums.
The change in Rorschach's fall from sanity scene actually made sense between the mediums. The comic version had basically the same idea as the ending in the first Mad Max which is fine and worked well for that film but at the same time it doesn't give the actor much to do after the handcuffing. It works well in the comic because you can have a lot of exposition against a menacing fire lit backdrop. So I thought the change was for the better.
Dr. Manhattan's view point in time, however, I found did not show itself as well in the film as it did in the comic. In the comic we are presented with still panels and we fill in the blanks between with motion of some sort. Dr. Manhattan explaining his view of time is written and shown in such a way that it breaks these conventions and doesn't allow us to string it together in the same way as the rest of the comic. I don't think it was possible to do this on film because it doesn't allow for still images without becoming a powerpoint presentation. So I thought the idea was there and my friends got it but I found that we did not have the same experience of the idea. (if that makes any sense.)
My impressions...
The movie version of Dr. Manhattan was amazing, far better than I hoped for. Dreiberg/Nite Owl was faithful to the source material (he is, fundamentally, a geeky, pudgy middle-aged man of no firm convictions who gets caught in a crisis that's way over his head - and that's precisely how he was portrayed in the movie). I'm OK with Laurie and the Comedian - not particularly strong performances, but not distracting either.
Now, as for Rorschach, I am going to go against the majority opinion here. The movie's portrayal of Rorschach was terrible. In the book, Rorschach is not a hero - he is a psychopath, a sadistic, sexually dysfunctional serial killer who is under the delusion that he serves the forces of Light. A fanatic with a black-and-white view of the world who causes far more suffering than what his vigilantism potentially might prevent. And yet, the way Moore portrays his childhood, his perseverance, his dedication, he tempts you to admire this broken, sociopathic, hopeless man.
And in the movie? In the movie, Rorschach is Yet Another Goddamn Dark Superhero. Yet another "morally ambiguous" crimefighter for the audience to cheer.
I thought they did as good a job adapting the book to film as we could ever have had a right to wish for. Some things didn't translate perfectly, but they never could - Watchmen used the advantages of the comic book medium to great effect, and it's impossible to translate that into film.
I didn't think Ackerman fell flat, and I didn't think the Dan/Laurie sex scenes were problematic. They were awkward in parts, but real. Sex isn't always perfectly choreographed.
The music did jar from time to time though, particularly using Ride of the Valkyries when Dr Manhattan intervenes in Vietnam. Far, far too obvious, and a big orchestral piece everybody will have heard stands out like a sore thumb when everything else recognisable is period popular music.
I thought this movie was fantastic. I do agree there were a few points that could have been improved, but I thoroughly enjoyed it and was highly impressed.
One major point is that Dr. Manhattan would have benefited from being covered more often. They cover him in some scenes, but expose all in others. It would have been better if he had remained covered in all.
I tend to agree with the original assesment that this comic was unfilmable. that said, I think this movie is about the best that could have been hoped for in a film based on this comic. Far far superior to previous Alan Moore works(League of Extraordinary Gentlement/V for Vendetta) and much more faithful(to a fault in some cases), with decent performances for the most part.
Unfortunatly its attempt to give a send up to virtually every aspect of the comic means that while those who have read the original will notice lots and lots of important details, most people won't understand the significance of large portions of the background and odd comments or notes. I do not think this movie will ultimatly be commercially successful unfortunatly, but I am glad that there is so much in there for fans of the comic. Hopefully the DVD has a directors cut of some sort.
magister - Dr Manhatten was rarely clothed in the original, how would it have benefitted the film to cover him up in it? Part of the point of the charactor was his detachment from humanity and its standards of what is important. For someone who feels no heat or cold, and who does not feel bound or even interest in human societal customs, clothing would be superfluous, and quite out of charactor. His only real use of clothing was when representing the government in some capacity, which makes perfect sense.
BTW, I feel that Rorschach was probably the best performance in the movie, and while they did not dive as deep into his past as they could have, the clues were there and I don't think anyone should have left the movie feeling he was really a 'good guy'. The only truly 'good guys' in that movie were the original Night Owl, Night Owl II and Silk Spectre, everyone else was a shade of grey.
Some good points but I am reluctant to agre because of the hypocrisy of the article, the author writes:
Then he goes and over-analyzes the whole movie in the article LOL.
Over-analyze much?
I didn't think that, maybe because I haven't read the comic yet - I thought she was OK, not as good as the rest of the cast, but I looked intentional. She's just a normal girl in a hero world, of course the others are going to outshine her (especially compared to Jackie Earle Haley's oscar deserving performance.
As said above, it just comes down to - did you like it or not?
I'll be seeing this movie in few hours, and I have read the graphic novel several times. My gut-feeling is positive, but I'm prepared for the fact that the storyline will be simplified, since there's just too much stuff in the novel to turn in to a reasonable-length movie.
I wouldn't be surprised if we got an "extended cut" when it's released on DVD, that adds more meat to the story. But I still have few hours before I see it, so I will reserve my final opinion 'till then.
Saw this today.
Agree about the pacing; the film was rather erratic but on the plus side, at least the editing wasn't so painfully streamlined as to become boring (*cough - Iron man*). Didn't agree with the criticism of Ackerman as Silk Spectre 2; her performance didn't seem at all out-of-place with the rest of the film. Then again, it's not like I've never encountered an actor who has just irked me.
Disappointed that the reviewer saw the hints of fetishism as being juvenile or in-jest. For any introspection of the genre, it pretty much demands addressing the symbolic connotations of superhero garb. I think Night Owl 2's literal sexual impotence out-of-costume really defined his character.
"the length is going to be a deterrent for all but the most determined viewer"
This damages my faith in humanity, mostly because it is true. Having not read the comic, the story was coming thick and fast for me, so I was too busy paying attention to feel the time go by - I actually would have preferred it to be longer and go into more detail, but that's me.
I agree that the film had odd pacing, and seemed to jump around a lot as if it was trying to cram in more than it could properly hold - but I don't see this as a criticism, as some do. I went in expecting an adaptation, and that's what I got. It moved quickly, didn't dwell on anything, and had lots of little details which obviously had meaning that I was unaware of, which is what an adaptation should be like. If I want the full story I can (and will) go to the source material, and find that for the most part it meshes perfectly with what I learned from the film.
It did leave me with the feeling of having just watched a ~3 hour information dump more so than a film, and I think simpler films are probably more entertaining on a superficial level. However, I did not go in to be entertained on a superficial level, but rather to see a compressed version of what I was told was an interesting and relatively deep story - and that's exactly what I got. And when I do eventually read the comic, I will be able to come back to the film and see not a dumbed down Hollywood version, but rather a cinematic version of the main body of the story I just read.
I know it's like cursing in a church, but I actually like the new ending a whole lot better. It gives Dr Manhattan a very good reason to find a new galaxy to live in and does away with the sudden introduction of giant dead squid.
I really miss the Black Freighter though, as it ran parallel to the main story and really would have helped to stabilize this dense movie.
Dang. I'd read these bad reviews of Malen Akerman on Friday and was prepared for awfulness, but with the exception of some of the Mars scenes I was very happy with her character. What gives? People looking for Julia Roberts everywhere?
I treat movies as an experience, where I'd want to be someone in the movie, and any guy who got to hang out with her is somebody I'd WANT to be...


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In the fetus, the liver develops from the hepatic diverticulum, and draws blood from the arteries that carry blood from the vitelline yolk sac. Top diverticulum causes hepatocytes and bile ducts, the lower the gallbladder with cystic duct.
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text: Where was the meter's ground lead connected though all that testing? Remember, voltage is 0 with out a ground path. Leave the meters ground lead off and touch the pos lead to the battery B+ and see what the meter reads. This is where the term "voltage = the difference in potential" comes in. I would focus more on the ground circuit then the B+ circuit. I think you will probably find something.


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