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Posts Tagged 'precious metals'
Investment Theme with Legs to the End of This Decade
By Mitchell Clark, B.Comm. for Profit Confidential
If there's one sector of the stock market still poised for more capital gains, it has to be in domestic oil and gas producers.
This sector continues to be a top wealth creator. Most of the action is in the junior and mid-tier producers, as well as the limited partnerships focused on storage and distribution.
On the other hand, large, integrated producers are running into oil equivalent production issues. Both Exxon Mobil Corporation (XOM) and Chevron Corporation (CVX) are good examples, as they are currently dealing with declining production as new projects have yet to come on stream.
EOG Resources, Inc. (EOG) is a large-cap oil and gas producer with an excellent track record of wealth creation for shareholders. In the past, this stock has gotten ahead of itself, but it is still very much a growth story.
The stock's been getting upgraded after reporting excellent financial and production growth in the first quarter. The position's already been a huge winner, but within the numbers, there is still very meaningful growth in domestic (U.S.) crude oil production.
U.S. first-quarter production of crude oil grew an impressive 45% to 258.1 thousand barrels of oil per day (MBbld), up from 178.3 MBbld in the first quarter of 2013.
Natural gas production also improved in the first quarter but grew at a lesser rate of 20% comparatively (including U.S. and Canadian volumes).
For a large-cap resource company, it's worth taking a closer look at EOG's numbers. Its balance sheet is in very good shape with tons of cash on the books. And its net cash provided by operating activities soared in the most … Read More
My Top Energy Pick with Market-Defying Momentum
By Mitchell Clark, B.Comm. for Profit Confidential
The strength in this market is with oil, as both the spot price and oil stocks are holding up very well.
While the broader market has been experiencing a well-deserved price retrenchment, both large- and small-cap oil stocks have been on the comeback trail. The price strength is helpful as speculative fervor continues to come out of equities. The performance illustrates how helpful sectoral portfolio diversification can be when asset prices fall.
ConocoPhillips (COP) is not expensively priced at approximately 9.5 times trailing earnings. The stock sold off significantly at the beginning of the year but has since recovered nicely. Currently yielding just less than four percent, this oil and gas story is similar to the other big integrated energy companies: it isn't about production growth but more about income for investors.
One company we've looked at several times in these pages is Kodiak Oil & Gas Corp. (KOG). This is a Bakken oil play that's really doing well. This stock was consistently expensive, being a highly liquid favorite of institutional investors, but earnings have caught up to the share price and the story is still intact. This junior energy producer still has a very bright future. The company's stock chart is featured below:
Chart courtesy of www.StockCharts.com
Energy consistently has a role to play in equity market portfolios, and it doesn't have to be pure-play production stories. In terms of resource investing, I find it much more attractive over precious metals, particularly for investors looking for some longevity in their holdings.
In an environment that's likely to remain slow-growing for several years, I like both the income and capital … Read More
Stock Market Setting Up for Extended Break?
By Mitchell Clark, B.Comm. for Profit Confidential
The S&P 500 index really hasn't done much since the beginning of the year but churn…but then again, why shouldn't it?
For stocks, 2013 was an exceptional year. If we get another positive year on top of dividends, then it's total gravy.
The capital gains over the last several years have been highly unusual, representative of the gains often seen after a major financial crisis.
There are no bandwagons to jump on in this stock market. Investor sentiment finally had a bit of an awakening over the last several weeks. Big investors booked some profits after the big price recovery in February, which occurred because of verbal reassurances by the new Fed chair, Janet Yellen. If there wasn't further hand-holding from the Fed, stocks likely would have continued January's sell-off into a full-blown correction, helped by events in Ukraine.
I'm of the mind that the stock market may take an extended break over the next two quarters, as it's so often done in the past—probably more of a price consolidation over a correction; top-line growth is still pretty modest.
I'm still a big fan of dividend income and also a higher weighting given to cash within a portfolio context. Very little stands out in this stock market as an exceptional buy. There are some exciting innovations in the marketplace, but valuations for many of these stocks are still way off the charts.
Precious metals continue to prove themselves as an unreliable asset class. Spot prices are stuck and all-sustaining mining costs per ounce are still going up. It's a tough road ahead for precious metals stocks.
But this is … Read More
The Last Group of Burgeoning Stocks
By Mitchell Clark, B.Comm. for Profit Confidential
Quite a bit of speculative fervor has been zapped out of this market, which is helpful for the longer-run trend.
With the exception of biotechnology stocks, trading action has softened in initial public offerings (IPOs), 3D (three-dimensional) printer stocks, cloud software stocks, and even a lot of restaurant stocks that only recently were very hot.
The stock market is just a continuing cycle of fluctuating investor sentiment. Valuations among junior energy producers got really excessive last year and the entire group now seems to be in consolidation.
Gold and silver stocks appear to have been toast for a while. As is always the case in resource investing, even the best growth stories can't generally get their share prices moving if the underlying commodity price is stagnant. Precious metals stocks have always traded in manias, and this is not likely to change.
In a slow-growth environment, dividend income is key. And after an exceptional year like 2013, it may just be the only rate of return to be had.
But like so many large-cap stocks last year, some of the best dividend payers have already gone up tremendously. There isn't a lot of value for an equity buyer these days.
One specific sector that continues to be relatively hot is the master limited partnerships (MLP) of energy companies. There is very good yield to be had from this sector in addition to the potential for capital gains. There have been countless new listings of these securities, and the North American production boom is the reason.
One firm that illustrates the combination of capital gains and income that can be found … Read More
Burning Money at the Rate of $113 Billion a Month; How Can They Stop Printing?
By Michael Lombardi, MBA for Profit Confidential
In the month of November, the U.S. government registered a budget deficit of $135 billion. Over the course of the month, it spent $318 billion and only took in $182 billion. So far for the fiscal year 2014, which began in October, the U.S. government has registered a budget deficit of $227 billion; that's an average of $113.5 billion a month so far this fiscal year. (Source: Department of the Treasury; Bureau of Fiscal Service, December 11, 2013.)
In the same period a year ago (October and November of 2013), the U.S. government registered a budget deficit of almost $300 billion. (I 'm certain that some politician comparing the two periods will say, "Look, our budget deficit situation is getting better!")
Whenever the U.S. government registers a budget deficit, it has to go out to the market and borrow money to pay for its expenses and obligations. This increases our national debt, which has skyrocketed over the past few years due to consecutive years of extremely large budget deficits. As of December 10, our national debt stood at $17.2 trillion. (Source: Treasury Direct web site, last accessed December 12, 2013.)
I believe our national debt will double to $34.0 trillion in the years ahead.
Here's my reasoning:
According to the Congressional Budget Office's projection, between 2014 and 2018, the total U.S. budget deficit of the U.S. government will add up to about $2.4 trillion. This means that by the government's own estimates, the national debt will hit about $20.0 trillion in four years. (Source: The Congressional Budget Office, May 2013.)
But I think the budget deficits the U.S. government will … Read More
Investors Borrowing Like Drunkards to Buy Stocks Again?
By Michael Lombardi, MBA for Profit Confidential
This morning we learned sales for this year's Black Friday weekend declined for the first time since 2009. I have been warning my readers for months that falling consumer confidence would result in a pullback in consumer spending—and that's exactly what's happening this holiday shopping season.
According to the National Retail Federation, consumers spent an average of $407.02 from Thursday through Sunday, down about four percent from what they spent last year. (Source: National Retail Federation press release, December 1, 2013.)
The first decline in holiday spending since 2009 does not bode well for the economy, and as far as I'm concerned, it is an early indication of a weakening economy going into 2014.
But there is one place people are spending. In fact, you can say they're spending so much here, they're borrowing to buy more!
Investors have borrowed more money to buy stocks than at any other time in history!
The chart below shows the use of margin debt on the New York Stock Exchange (NYSE). It stands at the record-high level.
Yes, NYSE margin debt stands above the level it stood at just before the peak in stock prices in 2007 and much higher than it was when the Tech Boom bubble burst in the year 2000. The risk with margin debt is that it can turn a minor stock market sell-off into a major one for key stock indices as investor loans are called.
And while investors are borrowing like drunkards to buy stocks, earnings of companies that trade in key stock indices are anemic. In the third quarter of this year, the "surprise" rate for … Read More
Why This "Other" Metal Looks So Attractive
By Michael Lombardi, MBA for Profit Confidential
As gold bullion prices continue to take a beating because of the belief that the easy money policies of the Fed won't go away anytime soon, silver prices have fallen into the same rut. Just like gold bullion, the silver market has also become a place where bears prevail.
But in the midst of the negativity towards silver, I see that the fundamentals that ultimately drive silver prices higher are getting stronger.
Demand for silver is robust. Sales of one-ounce silver coins at the U.S. Mint have reached a record for the year, and 2013 still isn't finished! The table below shows how demand for silver (coins in ounces) has increased at the U.S. Mint since 2007.
Yearly Demand for Silver Coins in Ounces at the U.S. Mint
|Sales in Ounces
|% Change
|Total % change since 2007
* Data as of November 28, 2013
Data Source: U.S. Mint, Sales & Figures, last accessed November 28, 2013.
Notice on the table above how demand for silver coins at the U.S. Mint this year has already surpassed the level seen in 2011—a time when silver prices were at about $50.00 an ounce.
Rising demand for silver is just one reason why I am bullish on silver prices. But I have another reason, too, as to why I expect silver prices to rise ahead.
While there have been some comments among economists that the Federal Reserve will start pulling back on printing paper money in 2014, the Fed has printed … Read More
Despite Consolidation in Oil Sector, These Junior Oil & Gas Stocks Have Momentum
By Mitchell Clark, B.Comm. for Profit Confidential
Those interested in the oil business will know that smaller stocks in the sector have mostly been doing very well, even as the spot price of the commodity dropped below $100.00 a barrel.
The run-up has been pronounced in a number of companies, likely in anticipation of third-quarter earnings. Oil stocks advancing on declining spot prices is a very unusual development in the resource sector. But there is definitely an appetite out there among institutional investors for junior oil and natural gas producers.
One company we looked at previously is Kodiak Oil & Gas Corp. (KOG). This Bakken oil play reports tomorrow, and expectations are high.
Wall Street consensus is for Kodiak to generate sales growth of around 150% in its upcoming quarter. Earnings have the potential to double over the third quarter of 2012.
Company management recently announced its full-year 2013 average daily production will be approximately 30,000 barrels of oil equivalent per day (boepd). This compares to an average of 14,000 boepd in 2012. This year's exit production rate is currently estimated at 42,000 boepd.
So, there's definitely economic growth in the domestic oil and gas business due to new technology and the willingness of investors to finance junior companies.
Kodiak is trading right at its all-time record high after experiencing a meaningful consolidation throughout 2012 and the first half of this year. The stock is fully priced, which is no surprise. If oil prices were to reaccelerate, this position would be even higher.
Also reporting tomorrow is ConocoPhillips (COP), which is outperforming other big oil companies on the stock market.
ConocoPhillips spun off Phillips 66 (PSX) last … Read More
Why Opportunity Abounds Where the Rest of the Market Isn't Looking
By Mitchell Clark, B.Comm. for Profit Confidential
If the trend is your friend on Wall Street, it's also the case that there are opportunities and value among stocks that have been abandoned by investors.
While the financial media tends to prefer doom and gloom, genuine opportunity in the stock market is rarely in the headlines. The focus needn't be on what is wrong with the world; we already know that. What's lacking is how you can profit from it.
Precious metals stocks are becoming more and more attractive these days, but I don't think we've seen a bottom yet in gold and silver stocks.
Currently, some of the best risk-capital opportunities in the stock market are U.S.-listed Chinese stocks. It's a sector that's pretty much been abandoned by the marketplace.
The reasons why the marketplace is no longer interested in Chinese stocks are obvious, but at the height of disinterest comes the best prices. By the time interest hits and the story is in the newspapers, most of the money has already been made.
One company that's experiencing a genuine stock market turnaround is China Ceramics Co., Ltd. (CCCL). And it's doing so ahead of its financial turnaround, which indicates that investor sentiment is warming to the story.
China Ceramics manufactures and sells ceramic tiles to both residential and commercial customers in China. The company stumbled both operationally and on the stock market due to China's planned real estate restraint. The position then met the same fate as virtually all other U.S.-listed Chinese stocks that imploded on the stock market because of the plethora of accounting frauds.
But the tide is slowly turning for many of these … Read More
3Q Earnings Results Support Move Towards Major Correction Ahead
By Mitchell Clark, B.Comm. for Profit Confidential
So far this earnings season, there's no big revelation among earnings results from brand-name companies yet. With reduced expectations, financial metrics are currently being met.
Earnings from The Charles Schwab Corporation (SCHW) came in solid. The company reported third-quarter earnings of $290 million, representing solid growth of 17% over the comparable quarter.
Sales grew 15% to $1.37 billion, with double-digit growth being experienced in all three of the company's main revenue sources. Quarterly sales are at a record high, with the exception of the heights reached during the Internet bubble.
Company management sees its profit margins expanding into 2014. The stock jumped on this positive report, but it was already expensively priced.
Johnson & Johnson (JNJ) came in slightly ahead of consensus on both revenues and earnings. Third-quarter sales grew 3.1% to $17.6 billion. Domestic sales grew 1.7%, while international sales grew 4.2%. Diluted earnings per share grew to $1.36, representing another solid gain around 8.8%.
Investors have come to expect outperformance from Johnson & Johnson, and the position just consolidated on its earnings report. This company is worthy of a look for any long-term equity market portfolio, especially during a market correction or when the position is down on its own.
The Coca-Cola Company (KO) performed as expected, announcing a two-percent gain in global volume growth, but a three-percent decline in revenues. Diluted earnings per share grew eight percent to $0.54.
Dominos Pizza, Inc. (DPZ) has been a huge winner over the last three years. In its latest quarter, domestic same store sales grew 5.4%, with earnings coming in at $30.6 million compared to $26.0 million.
The company's bottom … Read More
While Few See It, This Stock Sector Is Getting Risky
By Mitchell Clark, B.Comm. for Profit Confidential
There continues to be excellent activity in domestic oil and gas stocks, especially in the small- and micro-cap categories. Bakken oil stocks are pushing the valuation envelope even further, as many companies are hitting new highs with stronger production and oil prices.
Recently, in this column, I looked at Triangle Petroleum Corporation (TPLM), which bolted higher on the stock market after reporting exceptional growth in production and in its financials. (See "Why the Street Is So Bullish on This Junior Oil Producer.")
The stock is very expensive, but the price momentum continues; this illustrates the appetite institutional investors have to bid these companies in a rising spot price environment.
Among large, integrated oil and gas producers, the stock market action is much more subdued because of production issues—declining barrels of oil due to field depletion. Dividend yields are fat, but top- and bottom-line growth is becoming a real issue in the face of declining production numbers. The action for risk-capital traders is definitely in the burgeoning junior producers.
But like all hot stocks in resources, the action revolves almost 100% around the spot price. This is especially the case with precious metals, where even the most exciting growth stories won't experience a rising share price if spot prices of the underlying commodity are subdued. This is a built-in investment risk with all resource stocks, and it is a disincentive for betting on companies as opposed to the spot price itself.
The price of oil is holding up exceedingly well, considering the tapered geopolitical tensions regarding Syria. Whatever the reasons why prices are nudging $110.00 for West Texas Intermediate … Read More
Why the Street Is So Bullish on This Junior Oil Producer
By Mitchell Clark, B.Comm. for Profit Confidential
With all the things going on in the world, it's a good time to be in the oil business. Bakken oil stocks are almost all high-valuation; but the marketplace knows this, and it's getting what it's paying for—there's big growth among many of these producers.
Everything is relative in the stock market. Valuations among junior oil producers with growing production (on strong oil prices) aren't comparable to other businesses or industry sectors.
Triangle Petroleum Corporation (TPLM) recently shot way up on the stock market after reporting exceptional growth in production and its financials. This company is developing the Bakken Shale and Three Forks formations in the Williston Basin of North Dakota and Montana.
The stock's actually been flat over the last two years. Part of the reason for this is that the company has had to sell a number of new shares in order to finance its business plan.
Triangle Petroleum recently reported fiscal 2014 second-quarter (ended July 31, 2013) revenues of $50.4 million, compared to $10.3 million a year ago.
Operating income was an impressive $13.0 million compared to a loss of $1.3 million. Net income was $6.8 million, or $0.12 per diluted share, compared to a net loss of $1.2 million, or $0.02 per diluted share.
The company finished the quarter with 57 million diluted shares outstanding, compared to 44.3 million shares last year.
The tough call in junior oil stocks isn't knowing which companies are the big growth stories; it's knowing the spot price of oil, because that's always what energy stocks trade off. And naturally, you can't predict the spot price of oil just like you … Read More
Business Stalls for Equipment Manufacturers; Outlook for Precious Metal Companies Flat
By Mitchell Clark, B.Comm. for Profit Confidential
One specific stock market sector that continues to be very challenging is the precious metals mining area. A combination of events has hit the precious metals producers: lower spot prices and rising costs being two of the main factors. It's been the perfect storm for gold mining stocks, and the trend isn't over yet.
And with reduced operating margins comes the big squeeze in capital expenditures. This is no more evident than in the well-known mining equipment company Joy Global Inc. (JOY), which has been under pressure on the stock market for the entire year.
Joy Global is a well-known manufacturer of mining equipment out of Milwaukee, Wisconsin. It's been around since 1884, and like precious metals themselves, the company's share price is volatile.
In the company's latest earnings report for its third fiscal quarter of 2013 (ended July 26), total bookings for underground mining machinery dropped a staggering 42.6% to $361.2 million from $629.2 million in the same quarter last year.
The company reported original equipment orders fell 68%, with declines in all regions except China. Aftermarket orders fell 27%, with declines in all regions except North America. Foreign exchange hurt orders for underground mining machinery, which dropped by $71.0 million, according to the company.
Total revenues in Joy Global's latest quarter fell five percent to $1.3 billion. As noted by the company's management team, prices for industrial metals and bulk commodities have dropped 20% to 40% over the last 18 months.
Seaborne coal prices have fallen 17% since the beginning of the year, and China's domestic coal prices have dropped almost 20%. With this backdrop, Joy Global says … Read More
Will a Return to Normalized Interest Rates Halt Economic Growth?
By Mitchell Clark, B.Comm. for Profit Confidential
I really don't expect the stock market to come apart unless there's some sort of shock. Why? Because many blue chips are trading right around their historical valuations at this time. And with equities in consolidation mode until the next meeting of the Federal Reserve in September, there is not a lot of new action to take.
I have to admit that the stock market is holding up extremely well in the face of declining earnings expectations. Given the anemic rate of growth in the U.S. economy, the next recession is a real possibility within the next 18 months. The catalyst for a technical recession could be rising interest rates that, as we know, have been artificially low for a long time now.
But there are other pressures in the marketplace, too. The spot price of oil is surprisingly strong, given the economic outlook. Some precious metals have also been ticking higher recently. But while there is price inflation in the general economy, it doesn't show in the headline numbers and it isn't translating into new spending by corporations. (Many companies experienced revenue growth in the second quarter solely due to increased prices for their products, not increased volume.)
Corporations and individuals continue to be highly conservative with their spending. This is a positive development as corporate and individual balance sheets improve, but it doesn't help a consumption-based economy.
I continue to believe that this year's stock market winners will remain that way. Institutional investors want reliability in earnings results, and they want the dividends that blue chips provide. There is not a lot of reliable growth out there, so … Read More
Why This Non-Gold Commodity Is Essential for Your Portfolio
By Michael Lombardi, MBA for Profit Confidential
As readers of Profit Confidential already know, I have been bullish on both gold bullion and silver prices. I believe these two precious metals have great futures ahead of them, in spite of all the negativity about them in the mainstream media and their recent price slump—especially silver.
According to the mainstream media, that's because the Federal Reserve is about to stop pumping money into the economy. The U.S. economy is getting better, and the global economy isn't doing as poorly as many thought it would. Under those conditions, metals like gold bullion and silver would not be wise investments.
But what many don't realize is that those conditions are not prevailing. In fact, the fundamentals for increases in the value of gold bullion and silver are actually very strong. And that has reinforced my original belief that increases in silver prices will outperform gold bullion prices.
Here's what you need to know: silver prices will see an uptick because of the most basic of economic reasons—demand will outstrip supply.
Take a look at the chart below. It shows the number of one-ounce silver coins sold at the U.S. Mint this year compared to the same period last year. Clearly, demand from investors appears to be robust and growing.
As silver prices declined, investors bought more than 25 million ounces of it in the first half of this year, compared to just 17.3 million ounces in the first half of 2012—an increase of almost 44%.
Keep in mind that the people who buy physical silver are generally not speculators looking for a quick buck. Instead, they buy when the silver … Read More
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The Demopolis Police Department is searching for an assault suspect considered armed and dangerous.
Christopher Banks is from the Gallion and Greene County areas. Police say he shot Joe Vaughn Saturday afternoon in Demopolis. Vaughn was taken to DCH in Tuscaloosa with multiple gunshot wounds to the leg.
Banks should be considered armed and dangerous. If you have any information about this case or know the whereabouts of Christopher Banks, call Demopolis police.
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I may not travel as much as I did back in the day, but you wouldn't know that from the last six weeks. I hope bushels of flights are good for rehabbing a bad leg, but I tend to doubt it. Among the stops along the way:
- Traveled to Buenos Aires for the day (flying down Sunday night and back Monday night, both flights 2.5 hours late, ouch) to participate on the main panel at the Seatrade South America cruise conference. Made it by ten minutes. To the best of our abilities, I and my industry colleagues emphasized South America's opportunity to grow its cruise business and the too high operating costs that threaten to undermine said opportunity.
- Gave a keynote speech in Birmingham, England (another day trip!) at the ACE Convention for UK travel agents. The theme of the conference was "Think Differently" and my task was to speak about different approaches to travel distribution that I have observed around the world. It was a nice opportunity to stress once again how much we appreciate the support the cruise industry has received this year from the travel agency community.
- Spent a classically frenetic week in Europe consisting of Monday in London, Tuesday in Germany, Wednesday in Italy and Thursday in Spain. This has not been an easy year in these markets and I would like to acknowledge my colleagues for their unflagging passion for Royal Caribbean International, the travel agents who support us and the guests from their countries.
Everywhere possible I continued with my rehabilitation. I started running on a normal treadmill in advance of being cleared by my doctor, so I will have to ask forgiveness rather than permission. Fortunately my table tennis lessons are intact. The best and most amazing part has been rowing five or six times on a Concept 2 erg (or similar) for the first time in 29 years. Please don't tell anyone in the medical community.
Finally, after nearly 30 years of visiting Maine exclusively in the summer, I made it there in the fall for the first time. Supposedly, peak foliage week is the first or second week of October depending on the year. Beautiful. No wonder our customers want to go on foliage cruises.


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Categories > Celebrities > Fall Out Boy > I'm Not One For Love Songs
I'm Not One For Love Songs (Part 24)3 Reviews
I don't really feel like writing a summary, just read it. Oh, and review. (:
Song Recommendation: We Love Like Vampires- Sparks The Rescue
I'm Not One For Love Songs
"Don't ask me, I have no fucking clue what you should do."
I just looked at Jay, "Thanks cuntface, that helps so freaking much," I said with an unamused face. I had just finished telling Jaycee what had occurred all this morning. We were speed walking on the treadmills, taking a brief break after running our first mile.
"Well, I mean, at least the Dumb Asshole Douche, a.k.a. D.A.D., is gone. Or well, I guess he's not your Dad, sooo, I guess just the asshole douche? I don't know. Anyways, he's gone now, hopefully for good. And Gabe didn't seem like he was ready to flake out or anything now that he's gotten a dose of the drama that is encased in your life, right?" she asked a bit hesitantly with raised eyebrows.
"Not at all, he was there and the perfect support system," I let her know, smiling back as I reflected on my morning and how sweet he had been.
"Then I don't see the problem. I mean if you want to try and take a look for your biological father, then I'm here to support you. Do you really think that you're ready for that though?" she asked, not holding back at all, as usual.
"Honestly, I don't think I'm ready to meet the guy who my mother fucked behind my douche bag ex-father's back. Maybe in the near future I'll try and look for him, but not just yet," I admitted to her and myself.
"That's probably for the best," she agreed and we both sped our treadmills back up and started up to run another mile before continuing with the rest of our conversation.
About 4 minutes later Jay stopped, "Kay, I'm done," she sighed as she slowed it down and started to take some deep breaths.
"Dude! We didn't even do a half a mile! I need to get all of this BLAH energy out!" I whined, still running at my steady 6.8 miles per hour.
"We just ran a freaking mile less than 15 minutes ago! I am good for a week and a half! You can run all of your blahblahblah-ness out while I go 5 feet to the right and do the arm weight machine," she declared as she walked to the right of my machine. I just shook my head and rolled my eyes at her preference over doing the weights rather than the cardio.
I kept up running until I could barely walk myself the eight blocks back to my apartment. Jay had decided that she was going to shower and change and that she would be back later to have a movie night and Chinese. And yes, I am aware that working out and then gorging yourself is completely pointless. It's a girl thing.
As I entered the apartment I could help but grin widely and silently 'Awww' to myself.
The apartment was spotless. Everything was back in it's place. Everything that had been broken was put back together. One thing was missing though: Gabe. I looked around the room, turning in a full circle, and then checked the kitchen, bathroom, and Jay's soon to be ex-room. As I approached my bedroom I was beginning to feel a bit worried about dear Gabriel's whereabouts. As I opened the door to the room and walked in I felt myself let out a relieved sigh. He was literally laying on my bed with a tub of Haagen Daz chocolate ice cream and watching the Tennis Channel.
"Why on Earth are you watching the Tennis Channel?" I asked, completely taken aback. As far as I knew I was the only person that I knew who enjoyed the sport enough to regularly watch a channel completely dedicated to it.
"Because it's pretty much the only thing that you watch 85.9% of the time, so I figured that I should start getting a better understanding," he explained, as if I was an idiot for asking. He didn't even bother taking his eyes off the screen as I looked a bit bewildered while watching an old Nadal vs. Federer match.
I half-smiled and took a seat next time him on the bed. All I had ever wanted was a guy who loved tennis as much as I did. And while he didn't exactly love it like I did, he was at least trying to understand it. And that was enough for me. I guess you don't need to have the same like and passions as the person that you love to be able to really love them. You just need to be open-minded enough to try and understand it, and then maybe you'll end up loving it to.
"You're cute," I said simply and turned my head to look at the side of his completely enraptured game.
"Thanks hunny bunny, you're cute too," he winked at me and put his arm around my shoulder.
"So, what do you think so far?" I asked, a bit amused.
"I barely understand this at all. Why is that guy who looks like a pirate standing there and why doesn't that other dude with the big nose just move over there so that he can get to the ball faster?"
"Oh, the pirate one is Rafael Nadal dear. When I'm done with you I fully plan on marrying him. I even have a shirt with his face on it," I said with complete seriousness, though only half of that statement was true.
"I hate you," he said with a mock glare.
"Well, that's okay, because Rafa loves me," I said with a fake, though almost real, swoon at the television.
He just kept glaring, "Kidding!" I said, putting my hands up and surrendering, "You're the only one I love," I told him with a kiss to the cheek.
That sure put a smile on his face, though he tried to hide it and pretend to still be mad, "Good, cause he probably can't even speak English."
I just gave him a look, because he was totally one to be saying that about someone.
"P.S. I love you too," he whispered in my ear as we went back to the match.
"Good... butthead," I said with my nose up, though we both smiled and looked to the side at each other.
I leaned my shoulder against his and we both laid there leaning against the pillows and shared some ice cream. Sure he got pissed of at my comments about how sexy Rafael Nadal is, and I got annoyed by the fact that he was making fun of the grunting, the umpire's accent, and Rafa's wedgie picking. That was okay, though, because he was giving it a chance.
And that's exactly how Jay found us an hour and a half later; with the Tennis Channel on, us curled up next to each other fast asleep, and a melted carton of ice cream on the bedside table.
"You didn't have sex, did you?" she asked monotonously.
"Yes, I'm actually pregnant with his sextuplets right now. The TLC cameras should be here any day now," I groaned and rolled over so that I could get up off of the bed and wake up a bit more.
"Yep, we're even gonna go for triplets after that. Take that John and Kate. We'll take your sextuplets and twins and add one more!" Gabe said as if he was pumping himself up. Oh jeez.
"Do you have any idea how much that would not surprise me?" Jay asked with her arms crossed as we left the bedroom and walked towards the kitchen.
"Almost as much as it would not surprise me if Fall Out Boy's agent made Joe go to a speech therapist to get that whole lisp problem fixed," I teased.
"Hey!" Joe said offended, as he stood in my kitchen eating some dry Captain Crunch. I did in fact jump in surprise at his appearance in my apartment.
"Oh, hey there Joe. How nice it is to see you completely unexpectedly in the middle of my kitchen, eating my cereal, and scaring the crap out of me," I said sarcastically.
"You know how it is. It's hard out there for a Jew," he shrugged.
"If you were not my best friend's fiancee I would probably send you to a homeless shelter and make them shave your beard off," I informed him.
"As long as they don't touch the hair on my head or grope me in any inappropriate places then I'd be cool with that," he told me.
"I'll keep that in the mental storage cabinet," I joked.
To you it might seem like I completely hate Joseph Mark Trohman, but that is not true. You see, this is our relationship: I make fun of him and he comes up with humorous quips. It keeps things interesting. And he does know that I approve of him and think of him as a friend/cool guy.
"So, uhm, not that I don't love you and you Jewishness and all, but what exactly are you doing here?"
"I came to pick up dear Gabriel so that he could get some help getting the rest of his shit out of his apartment and then I am going to help JayJay get her crap out of her room," he said.
"All by yourself?" I raised my eyebrow skeptically know just how lazy this man was most of the time.
"Well we will also be meeting Peter, Ryland, Suareasy, and P-trick there."
"You seriously just had to try and give them all nicknames, didn't you?" Jay asked with an annoyed sigh.
"Don't hate my attempts babe! Even I couldn't make those plain jane names sound any funkier!" he said defensively.
"Joe, you have one of the plainest, overused names ever used before," she informed him.
"I can't help that no one is trying to give me a cool nickname and fix that. I am simply trying to help some bros out and I get the haters all over me. Oh well, I guess haters are gonna hate, nothing you can do about that," he said with an accepting head nod.
"But remember man, as the wise man Weezy always says, "haters make you famous"," Gabe added with a smirk.
"I can no longer stand being a room with either of you two. My sanity is literally leaving bit by bit. Please go and get his stuff and do not enter this apartment again until at least 10 o'clock," Jay said with frustration and an obvious oncoming headache. I definitely saw her trying to contain some giggles though.
"Alright, see you later babe," Joe said with a peck on her head before going to help Gabe grab his wallet and such while trying to make sure that he didn't trip over anything with the crutches.
"Oh, Nat! Come here for a second!" I heard Gabe call to my from the door.
As I approached him he opened his arms and gave me a big hug, though his left crutch dug into my shoulder, and a peck on the lips before pulling back and explaining to me, "I couldn't forget to give you a proper goodbye, and you didn't expect me to walk all the way back over there with these crutches, did you?" he asked me with a 'tsk'.
"You're such a primadonna," I teased with a pat to his cheeks, "go get your crap," I told him.
"Be back home later," he called as he closed the door.
'Home'. He called this place 'home'. And I actually like how it sounded coming from his mouth.
But for the next few hours I had to focus more on some girl time, Chinese food, and old black and white movies, while me and Jay talked about our boys.
It was a calming feeling to know that someone would be there once Jay left to be with her own guy.
This was for real, and this was great.


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He told us today that he would no longer answer us unless we called him "J-love".
Show More Comments
Hahahaha. Hello jlove..
Oh my word. So funny!
Go Vandy!
Oh wow he looks so much older!
Love J-Loves Vandy flat bill!!
Whats up J-love
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Vision Statement
The incoming editors invite members to learn about their vision for the journal. The statement is available online and in the February 2012 issue of the APSR.
John Ishiyama | Marijke Breuning | Steven Forde | Valerie Martinez-Ebers
John Ishiyama, Professor (1992 PhD Michigan State University) is a Comparative Politics scholar, who specializes in political parties and democratization in post communist Russian, East Central European, and African (particularly Ethiopian) politics. He has also done considerable work on ethnic conflict and politics (particularly the role played by ethnic parties) and on the scholarship of teaching and learning. He has published six books, 105 journal articles and 16 chapters in edited volumes. His work has included the use of both quantitative and qualitative methodologies. He has held leadership positions in the APSA, MPSA, and ISA, in particular serving as a member of the APSA Executive Council from 2007-09 and the MPSA Executive Council from 2010-present. He was a book review editor for the journal International Politics. He also acted as Editor in Chief of the Journal of Political Science Education, the journal of the APSA Political Science Education Section, published by Taylor and Francis/Routledge. See John Ishiyama's UNT faculty page »
Marijke Breuning, Professor (1992 PhD Ohio State University) is an International Relations scholar who specializes in foreign policy analysis, and international political economy, particularly foreign aid. Further she has done considerable work related to political psychology, constructivism, political development, and women's issues. She has held major leadership positions in the foreign policy analysis sections of both the APSA and the International Studies Association, and has served as an officer (Vice President) in ISA. She was one of the editors of Foreign Policy Analysis, a journal published by Blackwell Publishers for the ISA. She was a Book Review Editor for the journal International Politics. She was also the editor of the Journal of Political Science Education, the journal of the APSA Political Science Education Section, published by Taylor and Francis/Routledge.
See Marijke Breuning's UNT faculty page »
Steven Forde, Professor (1984 PhD University of Toronto) is a political theorist who has published on ancient political thought, early modern political thought, philosophy of science, and American political thought. He has also published in the field of international ethics (and served as an associate editor of the International Studies Quarterly when it was housed at the University of North Texas.) He has published one book (with Cornell University Press), and numerous book chapters and refereed journal articles. Four of his articles have appeared in the American Political Science Review.
See Steven Forde's UNT faculty page »
Valerie Martinez-Ebers, Professor (1990 PhD Ohio State University) is a scholar of American Politics with expertise in the politics of race and ethnicity, women in politics and public policy, especially in the areas of education, immigration and aging. A co-PI for the Latino National Survey (8,600 respondents), funded by the Ford, Carnegie, Russell Sage, Hewlett, Joyce, and National Science Foundations, she has considerable experience in the design of survey research and the analysis of public opinion. She has also published work that relies primarily on qualitative analyses of focus group conversations or elite interviews. A former vice-president of the APSA and former president of the WPSA, she has served on the executive councils of APSA, WPSA and SWPSA and held a variety of other leadership positions in the organized sections and caucuses. She was guest editor for the Southwestern Journal of Aging but her most memorable editing experience was working as an APSR Intern under the direction of Editor Samuel C. Patterson.
See Valerie Martinez-Ebers' UNT faculty page »


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Biscuit proudly displays her fluffy bunny butt!
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Corgis. Get Some.
Why Corgi?
I firmly believe that corgis are wonderful, that they bring love and joy to the world like goofy funny furry fairies. I have chosen to answer the call and spread more of said love and joy to the world. I welcome you to do the same!
Submit to the corgi!
Stuff I like
Lynx theme created by Andrew Stichbury for Tumblr.


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Nantucket Sinks - Small & Large Sink Grids - Fits NS3121, NS3121-R & NS3322-OS
Price $43.75
No Sales Tax, Except CT
Product Reviews
Small & Large Sink Grids available for NS3121, NS3121-R & NS3322-OS by Nantucket Sinks. These sink grids are made out of stainless steel and have a protective rubber bumper and feet. Great accessory for any kitchen sink. Ships via UPS/FedEx Ground.
Large Grid: 18 1/2" W x 17" D
Small Grid: 16" W x 10 3/8" D
Ship Method:


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i did register for upgrade 2mb to 10mb, customers have to register with the website. they are sending new modems. then have to activate it. simple
Just went to the website posted by @lionsl2005 - it says I have a modem which can handle 10Mbit so they will auto-upgrade within the next few days.
All very painless (except that I'd forgotten my ntlworld username and password but even sorting that out was pretty easy and completely automatic)
So far so good ...
Remember to cycle your modems to get the update your expecting
Virgin are not that bad IMO. I'm changing as soon as my contract runs out because of the upload speeds, and I can't stand their customer service, but their uptime in my area is brilliant (not had a single problem in that area) and I have a mesh VPN network set up with my house and a couple of other buildings which transfer a lot of data between them (basically syncing certain drives) to the extent I'm considering the best way to load balance it and there hasn't been any problems with doing this - no noticable throttling.
Last edited by _Bat_; 12th May 2009 at 03:58 PM.
I am lucky to get 1 meg in leicester - only 3 miles out of city centre - too far from exchange - though I seen some virgin cable guys a mile down the road - maybe one day
Just checked my modem - it's looking good :-)
Not sure what I'll do with the extra bandwidth; 2 Mbit has never seemed like a problem but I'm sure that in a few years time I'll wonder how I ever managed with such a slow speed (and is it really only 20 years ago that modems were running at less than one thousandth of that speed)!
Cable Modem Operation Configuration
Maximum Downstream Data Rate : 10242000
Maximum Upstream Data Rate : 514000
I can lend you a USRobotics Sportser V92 Modem if you wish to remind yourself.
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A Social Model Program (Montessori) that maximizes personal success and minimizes losses
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A homelike setting, designed around a Country Kitchen and Great Room to encourage activities
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All private rooms are designed to accommodate personal furnishings, enhance familiarity, and maintain independence, and are handicap accessible.
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Support services from other Retirement Home departments including 24/7 Nursing, Dietary, Housekeeping, and Laundry
Licensed Residential Care (Assisted Living) by the state of Ohio for special needs individuals
Respite Care and Day Stay available
Call Betty Miller at 330-893-3200 for more information or to schedule a tour.


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I Am A Good Person... challenge extended to 8 August
Sunday, July 29, 2012 at 08:46PM
Need a little more time to complete your Kino film on the theme of I Am A Good Person/I Am A Bad Person?
(As inspired by the title of Canadian indie-film queen Ingrid Veninger latest feature, which will debut at Possible Worlds Film Festival on 14 August.)
Well good news everyone - we've extended the deadline for submission by a week to Wednesday 8 August, so you have one more weekend to shoot and edit!
Remember that the winner(s) will be picked by Veninger itself and the winning film(s) will screen before her feature at Possible Worlds, not to mention collecting swag worth over $500 - all the details are here: www.kinosydney.com/challenges.


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Rick Perry, who is mulling a second presidential run in 2016, reported to the Travis County Courthouse on Tuesday» Read More
Howard Dean, former Democratic National Committee chairman, explains why he believes going over the "cliff" is the best solution to solving the nation's debt crisis. Gov. Rick Perry, (R-TX), weighs in.
Gov. Rick Perry, (R-TX), discusses how the "Lone Star State" is growing jobs by keeping taxes low; making the regulatory climate fair and predictable; and implementing sweeping tort reform.
*Romney has said will declare China currency manipulator on ``day one''. Presidential candidate Mitt Romney would lack the legal power to label China a currency manipulator on his first day in office should he win Tuesday's election, offering him a way out of what experts say is the weakest claim on the issue for years.
*Romney has said will declare China currency manipulator on ``day one''. Presidential candidate Mitt Romney would lack the legal power to label China a currency manipulator on his first day in office should he win Tuesday's election, offering him a way out of what experts say is the weakest claim on the issue for years.
Oct 26- Individual donors to U.S. presidential candidates can contribute up to $2,500 for the state-by-state party nominating contests and another $2,500 for the general election.
AUSTIN, Texas-- An embattled $3 billion cancer-fighting fund in Texas will recover from a controversy that led two Nobel laureates and others to resign over allegations that politics trumped science in spending decisions, state officials told stakeholders Wednesday.
JACKSON, Miss.-- Mississippi has long been one of the sickest and poorest states in America, with some of the highest rates of obesity, diabetes and heart disease and more than 1 in 7 residents without insurance. And so you might think Mississippi would jump at the prospect of billions of federal dollars to expand Medicaid.
AUSTIN, Texas-- As another budget-slashing session in the Texas Legislature potentially looms, aides to the state's chief accountant told lawmakers Wednesday that the Rainy Day Fund is about to be stocked with $8.1 billion and could climb higher next year.
AUSTIN, Texas-- The balance in Texas' Rainy Day Fund is climbing to $8.1 billion. A director from the Texas comptroller's office Wednesday told lawmakers the state's emergency savings account is expected to hit that number when nearly $2 billion in anticipated oil and gas tax collections is transferred into the fund next month.
AUSTIN, Texas-- University of Texas regents approved a plan Monday to offer courses to students around the world through an advanced online platform alongside Harvard, MIT and the University of California-Berkeley.
WASHINGTON-- Republican presidential nominee Mitt Romney is shifting sharply to the political center as he begins to deliver a closing argument aimed at a slice of moderate, undecided voters a month before Election Day.
DENVER-- Republican presidential candidate Mitt Romney would end an Obama administration policy allowing some young illegal immigrants to stay in the country and work, though anyone already granted a reprieve from possible deportation wouldn't see that permission revoked.
CNBC's David Faber outlines the highlights from his conversation with Gov. Rick Perry at the Barefoot Economic Summit about how a debate can impact a presidential campaign, and power shortages in Texas.
DENVER-- Republican presidential candidate Mitt Romney says he would honor temporary work permits for young illegal immigrants who were allowed to stay in the U.S. because of an executive order signed this summer by President Barack Obama.
The race between President Barack Obama and Mitt Romney, the Republican nominee, is showing some similarities to the 1980 contest between President Jimmy Carter and Ronald Reagan.
At this point in the convention, you'd expect the delegates to be hoarse from screaming too much. That much is not surprising. But there have been a few unexpected moments and the press has missed a few things and overreacted at others.
The recently upheld health-care law is 'a debacle' that will cost U.S. states substantial amounts of money, Texas Gov. Rick Perry told CNBC's "Squawk Box."
Gov. Rick Perry, (R-TX), discusses jobs creation in the Lone Star State and health care coverage, with Gov. Rick Scott, (R-FL).
Natural gas has often taken a backseat to crude oil in the Texas energy business, but the advent of fracking shale gas has given it star billing in the Lone Star State — and the nation.
Campaigning in the backyard of America's auto industry, Mitt Romney re-ignited the bailout debate by suggesting he deserves "a lot of credit" for the recent successes of the nation's largest car companies.


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Jashvant Unadkat
Professor, Department of Pharmaceutics; Director, UW Research Affiliates Program on Transporters
Postdoctoral fellowship, University of California at San Francisco; PhD, University of Manchester; BPharm, University of London
Research Interests
- Mechanisms of drug interactions with HIV drugs
- Impact of efflux transporters (e.g. P-glycoprotein) at the blood-brain barrier on efficacy and toxicity of central nervous system drugs
- The role of nucleoside transporters in the disposition of nucleoside drugs
- Mechanisms of changes in maternal and fetal drug disposition during pregnancy
Jashvant "Jash" Unadkat has been on faculty in the Department of Pharmaceutics since 1985. He also holds an adjunct appointment in the Department of Anesthesiology and research affiliate appointments with the UW Center for AIDS and STD Research and the Center for Human Development and Disability. He studies the transport and metabolism of HIV and other antiviral drugs. His research into drug transport could potentially lead to better ways to treat diseases such as Hepatitis C, AIDS and Alzheimer's.
Dr. Unadkat is the 2012 recipient of the American Association of Pharmaceutical Scientists (AAPS) Research Achievement Award in Pharmacokinetics, Pharmacodynamics and Drug Metabolism. He has previously served as associate editor for the "Journal of Pharmaceutical Sciences," editor of "AAPS Journal," and a member of the National Institutes of Health Pharmacology study section. He has published more than 150 peer-reviewed research papers and is a fellow of American Association for the Advancement of Science, AAPS, and Japanese Society for the Study of Xenobiotics.He is the founding member of the focus group of AAPS on Drug Transport and Uptake.
Unadkat created and leads the UW Research Affiliates Program on Transporters (UWRAPT), a cooperative effort between the UW School of Pharmacy and pharmaceutical companies. He also leads UWPKDAP, a NIDA funded program project grant on drug disposition during pregnancy.


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Categories > Celebrities > Panic! At The Disco > Time to Dance
Chapter 140 Reviews
"What the Hell?"
"What the Hell Brendon?" I said when we were back stage. He was lucky it was during a break in the set. After the lights had dimmed, he had grabbed my hand and pulled me into his dressing room, without so much as a word to anyone. Someone pounded on the door.
"You have five minutes Brendon!" the voice said. He began to undress.
"Can I at least borrow some of your make up to touch up?" I said, his back to me. He turned around, shirt half unbuttoned, and looked at me with the same look he had been giving me all week.
"What the Hell?" I repeated for the second time in the past minute.
"Look Anna, I'm sorry, but you've been driving me crazy!" he finally answered, turning back so his back was to me. He finished unbuttoning his shirt, and put on a fresh one.
I was hurt. Was I annoying? What did I do?
"What do you mean? I didn't do anything to you that I'm aware of!" I said, raising my voice slightly in frustration. Again he turned back around. His expression turned to one of frustration, but also hurt.
"I didn't mean it like that Anna! It's just, goddamn I'm in love with you!" he finished. I stood there shocked.
"What? You're in love with me?! You barely know me! And why have you been ignoring me? Is that what this is all about? What the Hell!" I screamed the last part in frustration. He smirked.
"That seems to be your favorite phrase, now doesn't it?" he smiled for the first time in days. He strode over to me and placed his lips on mine again. This time, I responded. Just then there was another knock on the door.
"Brendon we need you now! And have you seen Anna?" the voice said again. He walked over and opened the door.
"I was just asking Anna for make up advice. We're good to go," he said to the stage manager. He winked and walked out the door.
The rest of the show went off without a hitch, and I was glad my part was minimal. My mind was spinning. Was he serious? And if he was, how did I feel? Sure, he was gorgeous, and he was so sweet on my birthday. And I had missed him, although I was unwilling to admit it to myself. The show ended and we all took our bows. Backstage, I found my way to the dancer's room and changed into comfortable street clothes. An hour later, we were back on the buses, getting ready to leave. I was sitting in my bunk, when Brendon sauntered on the bus.
"Well aren't you Mr. Cheerful now. Guess that kiss woke Cinderella up!" Breanna said, winking at me. I knew people had seen it. Not only the crowd, but Breanna was to my right when it happened.
"Yeah something like that." Brendon replied, rubbing his neck. "Actually, can I borrow Anna for the ride to the next destination?" he asked. His words were met with cat calls from all the crew, and I stood up, grabbed his hand, and dragged him off the bus.
"Where to?" I asked, still holding his hand. I noticed, and let go. He grabbed it again, lacing his fingers with mine. I couldn't help but blush.
"Follow me," he started walking towards the band bus. "So, um, have you thought about what I said?" Shit. What do I say now.
"Um-" I started.
"You don't have to say anything. But, when we get to the next venue, can I take you out? Like on a date?" he said, stopping and facing me. "God you're so beautiful." I blushed.
"Well, sure. Why not." I said. Smooth I thought. Real smooth.


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Very often, it is the "enemy within," or rogue insiders that commit or facilitate cyber crimes. The fact that such rogue employees have legitimate access to the network makes it very difficult for forensics to detect the culprit.
The core of forensics investigations depend on the artifacts or the trail of evidence that criminals leave at the scene of the crime. For instance, the thief plugging in a USB drive to steal information would leave the USB drive serial number as an artifact. But when the thief is an insider authorized to insert USB drives and copy data, detection becomes next to impossible.
A new patent-pending, insider forensics detection methodology called "Stochastic Forensics" however makes it easy to detect such rogue insiders as well.
A normal user accesses files from a network or machine in a random and chaotic manner. Normally, computer files follow a heavy tail distribution, with some files used very frequently and a majority of the files used very rarely if at all. The new methodology identifies organized and systematic access and/or transfer of large volumes of data, which stand out from the individual's normal usage.
Stochastic Forensics, to put it simply, creates a histogram that reveals timestamp activity, making huge spikes of data usage apparent. Needless to say, such histograms only give an indication. The huge spikes may after all be legitimate usage, but it does with a great degree of certainty, reveal the particulars of the data accessed within a small window of time. A follow up using the traditional old school manual verification would make the crime apparent.
Source: http://www.darkreading.com/


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Out of town uncle strikes again. I had the blood spatters all over my face and my hair an absolute mess with blood dripping down my arm. So I leave my room to go scrub it all off, and my uncle is standing right there. And this time he says, "Now I believe there really was an accident." And just kept walking.
omfg. I just. omg.


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By Dan Smith
From the time I was a young boy, I dreamed of going to see the Summer Olympics.
The idea of the world's athletes competing peacefully was an attractive concept then as it is now. With that in mind, I ordered my tickets in early 1995 for the Atlanta Olympics that would be held in 1996.
I was excited to have the opportunity to be at the Games in person and better yet, I would be accompanied by my 13 year-old-son Landan.
After the year-long wait, we awoke at 4 a. m. to make the long drive up to north Georgia.
In the year since I had ordered the tickets, my sister Linda had moved from DeLand to an Atlanta suburb so we would have a place to stay. Things were definitely shaping up.
That morning as we packed to leave I turned the TV on to check the weather. To my surprise and horror, the television was filled with reports of a bomb exploding in Olympic Park. Right away my wife Lana began unpacking our bags. She was not going to send our young son into danger, but after so much anticipation, my mind could not be changed. We arrived in Atlanta at about 2 p.m. with tickets for track and field at 4 p.m.
Right away, we were accosted by the stepped-up security. We parked in a remote lot and were searched before boarding a bus to a train where we were searched and then dropped near the Olympic Stadium in downtown Atlanta.
Now, I have to tell you, as an ex-military policeman, I know a little about security.
Holding a top secret security clearance, I once served as chief of security for the big NATO Nuclear Arms Summit in Frankfurt Germany.
Yet, for some reason as soon as Landan and I had cleared the security checkpoint at the stadium, I said, "Boy I'm glad they didn't take our bullets." That was a decidedly stupid thing to say. We were in the middle of a chaotic situation with everyone's nerves on edge. Besides, we didn't have any bullets- at least not real ones. What I was referring to was frozen one-pint plastic containers of apple juice that Lana had packed for us.
For years, Lana had frozen those spherical little containers for my fishing trips. Her name for them was "bullets." Around our house, it was not unusual to hear "don't forget your bullets." The little containers provided ice, and once they melted, were a tasty cold drink. My comment was innocent, but not a great thing to say at the checkpoint just after a bomb had gone off. The guards called us back and gave us the full cavity search. Once inside the stadium, it was bedlam. Continuous announcements sounded a warning not to leave anything behind at your seat. People were losing their tickets and possessions all over the place.
Later outside at Olympic Park, Landan and I watched a robot take apart someone's new toaster that had been momentarily abandoned. The bomb had certainly put a damper on our Olympic experience, but somehow we still had a lot of fun. We will never forget helping out all of the lost visitors from Asia and Western Europe.
The bomb in Atlanta could not stop the Olympic Games, just as the terrorists in Munich 1972 did not stop those games. The Olympics are definitely larger than any dastardly deed that some misguided fool might perpetrate.
I just hope that truth does not have to be proven once more in London.
Dan Smith is on the board of directors for the Ormond Beach Historical Society, The Motor Racing Heritage Association and is the author of a fishing book.
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A summary of Wednesday's newspapers.
The views on this page are taken from the local and national media and do not necessarily reflect the views of Everton.
SEAMUS COLEMAN admits he is trying to follow the Leighton Baines blueprint for Premier League full-back play.
Coleman has played most of his career as a right-back, but has been pushed further forward into midfield in recent seasons as manager David Moyes tries to build the 23-year-old's top flight experience.
But against Leyton Orient in the Capital One Cup recently Coleman reverted to right-back and was outstanding.
He believes his performances are improving by taking lessons from team-mates Baines' book.
"Right-back is where I've played all my life other than the last two seasons," he said.
"When I'm not playing games I am watching and I watch Bainesy and try and learn from him.
"For me, he is the best left-back in England and if asked to play full-back, if I could do half as good a job as him that would be great.
"I've been in and around the squad now for a couple of years and I maybe haven't had as many games as I would have liked.
"But breaking into the team at Everton is hard, especially the way we are playing at the minute.
"I really enjoy right-back so hopefully I can do a job there when asked to fill-in but I will also be happy on the right of midfield if there is an opportunity."
Baines was in action for England in last night's World Cup qualifier against Ukraine, while Coleman won his sixth cap for the Republic of Ireland – in a midfield role – in their 4-1 friendly victory over Oman.
Phil Jagielka also started for England, while Steven Naismith was a late substitute for Scotland in their home draw with Macedonia.
In Belgium, the hosts were held 1-1 by Croatia, where Nikica Jelavic played an hour and Marouane Fellaini and Kevin Mirallas appeared as second half substitutes.
Holland won 4-1 in Hungary but Johnny Heitinga didn't feature.
"THERE is still the big fella at Standard Liege". So said David Moyes on a frantic August evening in 2008, when the vagaries of the Premier League's transfer window had left him still searching for a flag-ship signing at the 11th hour.
As ever Moyes already knew all about Marouane Fellaini.
Like most covetous managers in Europe he had watched with envy as the Belgian had played a dominant part in Standard Liege's brave stand against Liverpool in their recent Champions League qualifying clash.
If Fellaini was not one of the most scouted players already before that game, he was afterwards – and Everton had already contacted Standard about his availability without tangible progress in talks.
But having sold Andrew Johnson to Fulham for almost £10m, and with the departure of Lee Carsley, the Toffees were firmly in the market for a midfield anchor-man and the timing was opportune – even if time was running out.
Always prepared to go to any lengths to get his man in the transfer market, Moyes flew to Belgium as the clock ticked down on transfer deadline day.
As Bill Kenwright previously recalled: "We knew what we wanted, David got his budget mid-June and like any fan I was like 'why don't you go for such and such' but he knew what he wanted. He wanted stature. He wanted tall.
"We went back to my office and even then you have every agent under the sun calling, and suddenly you're considering Louis Bimpson, Billy Liddell, Dixie Dean – and with eight hours left until the deadline, David said 'there is still the big fella at Standard Liege'.
"That story, if it's ever written up or filmed, you wouldn't believe. It's just fantasy time, but he got his big man and it fitted. He said 'Bill, it's going to take a few weeks for this boy to find his feet' but I thought 'what a manager'.
"Eventually at 12 minutes to 12 David walks in the room and says 'Bill, I can see him'. I said 'thank God for that. What's he like?' He said 'big!' We managed to get it through literally by seconds."
Even though his potential was undoubted, it was a risky move. Moyes, long an admirer of Belgium's raft of young talent as emphasised by his subsequent swoop for Kevin Mirallas, had tracked the 6ft 3in player for months, along with Manchester United and Chelsea, but it was only the Everton boss and Kenwright who firmed-up their interest with cold, hard cash.
The transfer had very nearly collapsed when Standard tried to block the deal after discovering they had drawn Everton in the UEFA Cup.
But Moyes was determined not to be denied, and went to Brussels to cajole the Liege vice-president Luciano D'Onofrio and chairman Reto Stiffler into selling their star.
Eventually Liege caved in and the deal was sealed.
"It was a very long day but it proved worthwhile," said Moyes at the time. "We have been chasing him for two years and have keenly watched his development.
"I have always wanted to buy players who provide a return on our investment. I know it's a record fee but he's going to be here for a long, long time."
That £15m fee may be relative peanuts for some clubs but for Everton it was, and it remains, a lot of money – a symbol of just how highly Moyes rated Fellaini.
It's safe to say that the blue half of Merseyside took a while to be convinced that the club's precious transfer funds had been spent wisely.
The Premier League had not seen a midfielder of Fellaini's towering, almost awkward, physique since Patrick Viera arrived at Arsenal.
Except for the first few months of his stay in Liverpool, Fellaini wasn't quite up to such a grandiose comparison.
Moyes, however, remained convinced.
Still only 20, it was always going to take time for the half-Moroccan to adapt to a different culture and vastly changed footballing landscape.
"The fact that we signed him for such a big fee was a big deal," recalled Leighton Baines last year. "It meant that there was pressure on him straight away but he just came in and got on with it. It was quite unusual, really. In his first week, he kept going around smashing into people with these wild tackles.
"Some of the lads did not know what to make of it and wouldn't go near him. The last thing you want in training is to get a volley off someone, but Tim Cahill definitely received a few. I think he just wanted to show that he shouldn't be taken lightly."
When he initially failed to click in Everton's engine room, Moyes instead deployed Fellaini's talents in a more advanced attacking role and reaped the benefits with nine crucial goals in 35 appearances.
The Big Wig, as he came to be known, notched his first goal in October against Newcastle United, and followed that with the winner in a 1-0 victory over Bolton before scoring the header that held Manchester United to a 1-1 draw at Goodison Park as Everton eventually went on to finish fifth.
The incumbents of the Old Lady were warming to him. As is so often the way, Bluenoses were creating an icon from the most unlikely of sources.
The hair helped. Goodison had not witnessed such an extravagant hairstyle since Abel Xavier's bleached- blonde, Neptune-esque hair and beard combo.
Before long, young fans were filing into the match wearing customised curly Scouser wigs in honour of their new hero, who went from bemusement to embracing his growing cult status on Merseyside.
But Fellaini's flourishing stature was no joke. With his immaculate touch and economic style, the man nicknamed Screech at Finch Farm (after the similarly haired Saved By the Bell character) was attracting some of the continent's biggest clubs including Chelsea and Real Madrid. The Viera comparisons were suddenly quite apt.
Evertonians were already won over by the time Fellaini flummoxed Craig Bellamy with a breathtaking pirouette during a 2-0 win over Manchester City in the 2009/10 season.
And he has been sorely missed when two serious ankle injuries side-lined him in two consecutive seasons.
Club captain Phil Neville has often gone on record about the Belgian's popularity in the dressing room. "He has immersed himself in Everton's culture," Neville said. "A couple of years ago we went on a mid-season break to France and the plan was for us all to travel in tracksuits. But I told Felli he needed to come in his club suit, complete with shirt and tie. When he turned up, he knew straight away he'd been stitched up and everyone burst out laughing but he took it brilliantly.
"The lads love him and we know the fans do, too, because we see them wearing those Afro wigs for him everywhere we go. When we bought him, we got a £15million snip."
KARIM MARIAGE was Fellaini's coach at Mons and also Belgian second division side Francs Borains.
He remembers a young player with a precocious talent who was destined for the top.
He said: "I coached him at 16 when he ate football and dreamed football. It was everything to him then.
"I have to say he was a coach's dream. He worked hard and I can only say he was a pleasure to work with.
"I watched him develop at Francs Bourain and then had the chance to coach him against at Mons. I spoke with the manager there and said we must put him in the first team despite his young age.
"It was only a matter of time before the decision was proven right and pretty soon he was being considered by other clubs.
"By the time he went to Standard he had a good mentality and was a strong person. He is a shining example to everyone.
"His height was a gift from God. He went to the national side for U16s, U18s, U19s and it was just natural he would play in the top leagues.
"His father Abdelattif had a great belief in his soon, he believed in Marouane more than anyone. All parents think their kids are great, but he knew Marouane had what it takes to succeed.
"He was convinced his son would play in the Jupiler Pro League first division. He had been a good player himself but did not get the opportunity to play at the top level and he wanted that for his son.
"To move to Everton and live alone in England when you are 20 like he did was commendable. It was hard for him at first but he did it.
"I've enjoyed watching him grow in England. I watch him every weekend and his evolution has been rapid. Eventually I think he will go on to play in Spain for Real Madrid or Barcelona."
BOHEMIANS manager Aaron Callaghan claims Everton FC have expressed an interest in 19-year-old defender Kevin Feely.
"There is definite interest there from Everton," Callaghan told Ireland's Evening Herald.
"I would hate to lose Kevin but he really wants to further his career."
Meanwhile, Everton been granted an additional 2000 tickets for next week's Capital One Cup third round clash at Leeds United.
The Blues' initial allocation of 3000 tickets sold out quickly and, after reaching an agreement with West Yorkshire police, Leeds have approved Everton's application for the additional tickets and these have now gone on general sale.
EVERTON teenager Ross Barkley will go on loan to Sheffield Wednesday for more experience.
The midfielder, 18, joins the Championship side despite David Moyes seeing a deadline-day deal for Club Brugge midfielder Vadis Odjidja-Ofoe fall foul of FIFA red tape.
Everton feel England Under-19 star Barkley's development will be better served with regular games for Wednesday.
Well, that was pretty awful, wasn't it?
Frank Lampard's nerveless penalty may have extended Roy Hodgson's unbeaten start as England boss, but nobody will have been fooled.
Hodgson's honeymoon came to a shuddering end, even if Lampard's 26th international goal prevented the first competitive Wembley game under a home-grown manager since Steve McClaren's 2007 debacle against Croatia ending in similar fashion.
Second best in most departments, sloppy on the ball, even worse without it, cut to ribbons at times and down to 10 men after skipper Steven Gerrard was dismissed (click here for John Cross' England player ratings).
Somehow, despite all that, England stole a point, Lampard showing their one moment of certainty in front of goal, as the introductions of Danny Welbeck, Daniel Sturridge and Ryan Bertrand made a difference.
But as Tom Cleverley and Alex Oxlade-Chamberlain were forced to confront the realities of international football, the central axis failed to function and Hodgson's side gave the ball away with staggering regularity, this was a salutary experience.
Let there be no arguments, England got away with it.
From the opening seconds, when Glen Johnson played England into trouble, requiring a crunching tackle from Gerrard, until the last Ukrainian free-kick fizzed across the home box, Hodgson's side were out of kilter.
Yes, there were moments, chances, openings. But there should be at home.
Jermain Defoe will feel frustrated that his early "opener" was ruled out - the latest goal that never was between these two sides, revenge of sorts for the visitors after events in Donetsk last summer.
Yes, Cleverley missed two sitters - one which may give him a few nightmares until he can put it right - and the Manchester United starlet and his Old Trafford team-mate Danny Welbeck were both thwarted by the woodwork.
In truth, though, nobody wearing a white shirt was ever half as comfortable, dynamic and penetrative as Ukrainian goalscorer Yevhen Konoplyanka.
Few of Hodgson's side ever seemed confident about the return to a flat midfield quartet.
And with the centre-halves in particular giving the ball away, there were far too many occasions when it took desperate interventions to prevent Hodgson's men being left down and out.
All the talk of the Copacabana and Brazil in 2014 will start to appear a pipedream if Hodgson's England cannot start to show more security at the back, intensity in the middle and potency up front.
This was a night which showed the value of the missing men. Do not try to pretend England would not have been better with Ashley Cole, John Terry and Wayne Rooney in the team.
But they were without them and the understudies struggled to cope, Hodgson's allusion to Cesc Fabregas when discussing Cleverley after the Moldovan romp appearing decidedly premature.
It would have been a fluke had Oleg Gusev's cross, deflecting wildly off Oxlade-Chamberlain and onto the post, had ended up in Joe Hart's net.
Yet all game England were exposed on the counter-attack, vulnerable and edgy.
Of course, it might have been different had Defoe's "goal", 10 minutes in, been allowed to stand by Turkish whistler Cuynet Cakir.
The Spurs striker certainly held out his arm when he dropped into the pocket to receive from Oxlade-Chamberlain but the minimal contact with Andriy Yarmalenko's windpipe was not worthy of the dramatic face-clutching fall that followed as Defoe crashed home.
Even so, England were worryingly open, Gerrard clearing off the line to foil Ruslan Rotan when Cleverley was caught in possession, Denys Garmash over the top from close range.
They had their moments at the other end but it was just after Cleverley somehow conspired to stab the ball against defenceless keeper Andriy Pyatov from six yards when Defoe nodded Gerrard's terrific ball back across the Ukrainian box that they trailed.
Joleon Lescott gave the ball away - and England never got it back as it was transferred to Konoplyanka, Gerrard not able to close down as he beat Hart all ends up from 25 yards.
Cleverley had two chances to redeem himself, mis-kicking horribly from Lampard's ball and then collecting from James Milner but hitting the outside of the upright and the second half was more of the same, England far too anxious, witnessed in a slew of bookings, including Gerrard's elbow-first challenge on Rotan.
Without Leighton Baines' back-post touch in front of Roman Zozulia, after the uncertain Phil Jagielka gave the ball to Konoplyanko and watched the scorer run away, there would have been no salvation.
Even that looked to be beyond England when Welbeck, teed up by Sturridge, slammed one against the upright.
But four minutes from time, Betrand stretched, Defoe nodded on and Welbeck's shot was blocked by the hand of Yevhen Khacheridi, Lampard drilling home to go level with Bryan Robson on the all-time England scoring list.
Still time for Gerrard to see red for a foul on Zozulia and Johnson to also rule himself out of the home game against San Marino next month.
Not good enough, Roy.
Not even close to good enough.
Joe Hart 6
The England keeper was much the busier and could do nothing about Konoplyanka's opener. Also had an early escape when Gusev hit the post.
Glen Johnson 5
His passing was so bad at times he must have thought England were wearing blue. Had a poor game apart from his rare forays forward. Booked.
Joleon Lescott 5
Lescott lacks John Terry's leadership qualities and is prone to making the odd mistake. Was caught out by Ukraine's pace and movement. Booked.
Phil Jagielka 5
Given the nod for his understanding with Lescott from their Everton days. But it did not work and both were guilty of giving the ball away too easily.
Leighton Baines 6
Was not offered much protection and could not overlap as much as he would have liked. Made brilliant clearance after the break to deny Ukraine.
James Milner 5
Made a quiet start but got better and went close to making it two goals in two games. Always works hard but lacks that match-winning quality. Booked.
Frank Lampard 7
Tried to drive England forward and showed more attacking ambition than most. Netted the vital leveller with unstoppable penalty down the middle.
Ton Cleverley 4
Could have had hat-trick but missed the lot. Was guilty of wasting two glorious openings and also hit the post with a better effort. So disappointing.
Alex Oxlade-Chamberlain 6
Infectious enthusiasm and youthful eagerness was inspirational. But must also mix his forward runs with tracking back to help his defence.
Steven Gerrard 6
Made a terrific goal-line clearance, was England's best passer and yet failed to halt Konoplyanka before his wonder strike. Sent off after two yellows.
Jermain Defoe 6
Desperately unlucky to have a goal ruled out early on. Superb turn, strength and shot but ref harshly judged he pushed Yarmolenko. Booked.
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The Ride
The Dragon's Last Ride funds the Jenna Westerholm Pediatric Help$ Program. Grants to families are administered by Northwest Sarcoma Foundation.
In Memoriam
The ride is in memory of Jenna Westerholm and other children who have lost their lives to sarcoma cancers.
$500 grants are awarded to sarcoma cancer patients undergoing treatment at Seattle Children's Hospital.
Jenna's Memorial from Chris Westerholm on Vimeo.
Latest News
A Huge Thank You Posted May 04, 2014 By The Dragon's Last Ride
We want to thank Sky Vapor in Everett for holding an open house and fundraiser benefiting The Dragon's Last Ride. On May 3rd they raised
$2,443 @ The Red Onion Fundraiser Posted Jun 11, 2013 By The Dragon's Last Ride
This is our third year having a fundraiser at Red Onion Burgers. We enjoyed their new location with more seating and beautiful weather to top
Q13 Fox News Posted May 22, 2013 By The Dragon's Last Ride
The Dragon's Last Ride was interviewed on Seattle's Q13 Fox last night, Tuesday May 21st. Please watch the video and share with others. Click here


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THE BOARD OF DIRECTORS of Virginia Power elected James A. White to the position of senior vice president, human resources. White previously served as senior vice president, human resources for...
Special Report
any backup generation in preparation of Y2K, the spokesman said.
Phillip Schultz, director of information systems at the Chicago Board of Trade, said he has confidence in Commonwealth Edison's preparedness for Y2K. The utility would need to have a catastrophic failure for the exchange to be affected, he said.
"Our facilities are designed so that [we] can receive power from multiple substations located throughout the region," Schultz explained.
Like Intel, the CBOT's confidence came with its local utility's willingness to share its Y2K program, said Schultz.
The Commonwealth Edison power outage that forced the CBOT to close its trading floor Aug. 12 - a week after Schultz spoke to the Fortnightly - however, heightened the CBOT's concerns about the utility's preparedness to deliver reliable power. The exchange will continue to work closely with the utility on its Y2K efforts, according to a CBOT spokesperson.
Futures Trading: Harbinger of Disaster?
"I would be very disturbed if utilities went out and purchased futures contracts to hedge against a loss of generation because of a Y2K incident," said Colin Fitzgerald, product manager in the Financial Markets Group-market and product development at the Chicago Board of Trade.
"If electric utilities were not Y2K-ready by Sept. 15, it would worry me," he added.
Yet, Fitzgerald said, buying futures is not such a far-out strategy for a utility that is Y2K-compliant.
"If a firm is looking to hedge a generation shortfall because of a Y2K incident, it would make sense to hedge that exposure," he said. "Conversely, if you have high confidence in generating capacity in the new year, it might make sense to sell excess capacity."
Furthermore, industrials could create a financial hedge by buying and selling futures contracts, as well.
As of early August, futures contracts prices to hedge for the Y2K rollover, both at the New York Mercantile Exchange and the CBOT, had not made any significant increases in price or volume as compared to 1998.
While most utilities are not expected to purchase futures contracts to hedge against Y2K incidents, some support state legislation to eliminate frivolous lawsuits.
Kerry Fisher, associate general council-litigation and claims at Baltimore Gas & Electric, said BG&E has worked on the Y2K problem since 1996 and spent almost $46 million in the process. He supports state legislation that would set specific standards that utilities need to meet to be considered Y2K-ready. Fisher explains that if a Y2K cure were defined specifically, every utility would know whether it met the standard.
The Maryland Year 2000 Commerce Protection Act or House Bill 8, which is supported by BG&E, would establish remedies for damages caused by information technology failure. H.B. 8 also would provide an affirmative defense in a Y2K-related action that the defendant implemented good faith actions necessary to become compliant.
But Gov. Parris N. Glendening vetoed H.B. 8, based on his strong concerns that businesses could escape responsibility if their actions lead to the injury or death of Maryland residents as a result of Y2K failures.
"The final version of House Bill 8, however, although somewhat modified from its original


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|Knights Inn Upperville properties are provided below. Search for cheap and discount Knights Inn hotel rooms in Upperville, VA for your personal or business trip. We list the best Knights Inn Upperville hotels & motels so you can review the Upperville Knights Inn hotel list below to find the perfect place.
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Power to the flower at Shanghai marathon 2013.
WGSN street shot, China, December 2013
Take us to Texas!! Wrangler dips into it's Western past to celebrate the 25th anniversary of it's iconic Texas jean @Wrangler_Europe
Wrangler spring/summer 2014, WGSN
If you find yourself with some spare time during #LFW check out Jeurgen Teller: Woo!, the latest exhibition at the ICA. For more event ideas and news happening in London, see our London Fashion Week Preview, subscribers only.
Beautiful art installation exploring the Kano theoretical model through curve stitch, Fashion Retail: Future Directions by MRA Architecture and Solent Southampton University
We've come over all summery! - at Levi's x Liberty of London s/s '13 press event @LEVIS @LibertyLondon
Santa Cruz ensure it's 40th anniversary does not go unnoticed with great graphic impact at The Ledge trade show, London
An archive image from The University of California Los Angeles. The officially licensed UCLA Clothing collection adheres to the California lifestyle by blending collegiate heritage, sporting achievement and LA street. Subscribers watch out for our coming report highlighting the UCLA Clothing Varsity Project in association with Clothes Show Live.
Beautiful winter illuminations at Nabana no Sato, a botanical garden turned into theme park on the island of Nagashima in Japan. This incredible tunnel features tens of thousands of LED lights.
Nationalist styling at the Rapha Super Cross 2012 Series, Alexandra Palace, London.
WGSN street shot
Edgy finger tattoos and statement leopard print pants showcased by a pro rider at Freeze Festival 2012. Subscribers look out for our full Freeze Festival trend analysis report going live on the site next week.


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Skulldaylong Backpack Camo
Key Features
Keep it fresh-- all the skull day long with Skullcandy's Skulldaylong Backpack.
Dimensions: 18" x 11" x 7"
Construction: 600D
Features & Highlights
- Roller print, printed liner, reverse tape zippers
- Front skate straps, front zip pocket, dual side utility pockets includes internal organization with- flap over velcro pocket, zip pocket, triple pencil holders
- Large main compartment includes internal organizer with top load pocket and key clip
- Top zip media pocket with 3 internal padded no scratch fleece lined velcro flap over pockets, molded rubber cord port
- Padded contoured straps, padded back, strap tension adjusters, top padded carry handle
- Front embroidered logo, front applique skull logo, back embroidered logos, multiple woven loop labels, logo gel tip zipper pulls


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- ashleybuchert reblogged this from jenxya and added:
ohh yes~ i love how kyle and i are smiling all nice..yet everyone looks so evil!
- nutrify likes this
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- jenxya posted this
jen. 23. married. food lover. festival-goer. camera enthusiast. gym and fitness junkie.
I love cooking, I love being healthy, and I love photography. I also love cats far too much. Enjoy.
Also my husband and I are moving to Kentucky so I can go to grad school. Turns out it's pretty expensive to move 2,424 miles away. Click below to help us move!


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Can a 16 year old have Smart Lipo performed?
- 8201anon
- Miami, FL
- 4 years ago
I have a 16 yr old daughter (17 soon), no matter how much weight she looses her love handles remain the same. Can she have smartlipo performed with parental consent?
Comments (1)
Thanks for your question, 8201anon. There aren't any legal limitations to doing Smart Lipo at age 16, but you may encounter doctors who would prefer to wait until your daughter is finished growing (usually 18-21). Have you had any surgical consultations since you posted this question?
- Reply


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Goodbye, 2013: Your year of money management
If you want 2014 to be different, it's a good idea to start by reflecting on how things went during the year that's ending. Here's how to evaluate.
This post comes from Kelly Trageser at partner site Credit.com.
December is a good time to reflect on all things important: family, friends and money. One can argue that money certainly should not be in the same category as friends and family.
However, when it comes to how it impacts our lives, it is quite important. We spend time focusing on how much money we don't have instead of focusing on how to manage the money we do have. As we wrap up the year, let's take a look back at how we managed our money and set a new goal for 2014: to know how much we spend and to start saving correctly.
Here are a few questions to evaluate 2013, your year in money.
How much did you spend?
We all know what comes in when our paycheck hits our bank account. However, where it all goes is another story. Analyzing your cash flow is your reality check. The difference between what comes in and what goes out helps you gauge the state of your family's financial health. When you list what comes in and what goes out, you can then subtract your spending from your income to see whether you have a surplus or deficit. A surplus indicates you are living within your means. A deficit indicates you are living above your means and most likely not achieving your financial goals.
Do you have a method in place to track your spending? If not, there are several methods available to do this task, from the old fashioned method of simply writing everything down for a month, to entering information into Quicken or Mint.com or other money management apps. No matter how you do it, the important thing is that you see where your priorities are and how much you are spending on them.
Has your spending caused you to have credit card debt? It is amazing how quickly those three little words enter into our lives. If the answer is yes, then it's time to get rid of those financial handcuffs once and for all. Once you have analyzed your cash flow and know exactly what is left over each month, implement a plan to reduce your debt.
One strategy to consider when reducing or eliminating debt is to pay the smallest balances off first and pay the minimum on the rest of your debt. Although you may save some money tackling the debt with the highest interest rate first, the mental relief that comes with paying off each debt burden can far outweigh saving a few dollars.
Where did you save?
There are many places to save. However, too many people make the mistake of plowing all their available resources into their employer's retirement plan. I like to use this analogy when it comes to saving for retirement:
Yes, it is important to save for retirement, but if your house is on fire, you need to put that fire out first. I hate to break it to you, but for most of us, the house is on fire! We have been so programmed to worry about retirement that we have gotten ourselves into a mess today.
We don't set aside money in a petty savings account for pleasurable things. Our emergency funds are woefully inadequate should we face a crisis, and we have more debt than we can possibly manage.
As we wrap up this year, let's take a look at our financial house and ask ourselves, is it on fire? If the answer is yes, consider temporarily stopping or reducing your retirement contribution. Do this instead: In 2014, eliminate your credit card debt, start a petty savings account and contribute to an emergency fund. Even if you can only pick one, it will be a step in the right direction. Once you have reduced the flames to a mere flicker, you can return to adding to your retirement savings.
More from Credit.com:
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