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Is a psychic reading in Hudson County NJ something you’re interested in? My goal is to connect people with the ones they care about and assist them in living a more fulfilling life. We are not alone. Spreading this spiritual truth is my life’s work. From connecting you to ones that you have lost or helping you find guidance in your relationships or career a personalized psychic reading is capable of offering a great deal of help to you when it comes to your daily life. If you are looking for psychic near Hudson County NJ or other local areas, there is no one you need to get in touch with but Teresa St. Frances. For a personalized reading, get in touch with me right away.
Psychic medium suicide prevention in Hudson County NJ is something that’s incredibly important to me. Life is capable of being a challenge if you feel different. At times you may even want to just give up. If you are suffering from anxiety, depression, drug addiction, or anything else, there’s hope. When you’re searching for someone who is capable of relating, this is a way I have felt myself. Additionally, I am the author of ‘What Happens the Day After – Messages from Adolescent Suicides.’ Do you want to find out more about what I’m capable of offering in terms of psychic medium suicide prevention near Hudson County NJ? Book a personal reading by contacting me today.
When you are searching for a psychic medium near Hudson County NJ for a small event, call Teresa St. Frances. Take advantage of this unique and revealing experience. A personalized reading will be given to each member of your party. This is a memory which is going to be sure to last a lifetime. A question and answer session will be available for you and your guests afterwards, which is capable of providing a significant amount of information concerning the angelic and spiritual realm and how it relates to healing and protection. Parties need to be within one hour of Bergen County NJ and these kinds of readings are meant for six to ten people. Have you been looking for a psychic near Hudson County NJ for your next party or get together? There isn’t anyone else you should get in touch with. Book a reading today!
Look no further if you’ve been looking for a trusted animal whisperer in Hudson County NJ. Even though communicating with their pets is something many people think simply impossible, I have been blessed with this gift. I have a significant amount of experience when it comes to communicating with animals, so you can be certain that your furry friend will feel comfortable on our first meeting. In addition to simple communication, this also is a great idea if you’re experiencing behavior problems with your pet or pets. We can do a reading in my office, at your home, or even over SKYPE. Do you have multiple pets? Please take into account the fact that you will require extra time, since each pet reading is 30 minutes. Are you looking for a horse whisperer near Hudson County NJ? Look no further than Teresa St. Frances.
Contact me today to book a reading when you’re looking for an experienced and qualified psychic near Hudson County NJ.

lowercased:
is a psychic reading in hudson county nj something you’re interested in? my goal is to connect people with the ones they care about and assist them in living a more fulfilling life. we are not alone. spreading this spiritual truth is my life’s work. from connecting you to ones that you have lost or helping you find guidance in your relationships or career a personalized psychic reading is capable of offering a great deal of help to you when it comes to your daily life. if you are looking for psychic near hudson county nj or other local areas, there is no one you need to get in touch with but teresa st. frances. for a personalized reading, get in touch with me right away.
psychic medium suicide prevention in hudson county nj is something that’s incredibly important to me. life is capable of being a challenge if you feel different. at times you may even want to just give up. if you are suffering from anxiety, depression, drug addiction, or anything else, there’s hope. when you’re searching for someone who is capable of relating, this is a way i have felt myself. additionally, i am the author of ‘what happens the day after – messages from adolescent suicides.’ do you want to find out more about what i’m capable of offering in terms of psychic medium suicide prevention near hudson county nj? book a personal reading by contacting me today.
when you are searching for a psychic medium near hudson county nj for a small event, call teresa st. frances. take advantage of this unique and revealing experience. a personalized reading will be given to each member of your party. this is a memory which is going to be sure to last a lifetime. a question and answer session will be available for you and your guests afterwards, which is capable of providing a significant amount of information concerning the angelic and spiritual realm and how it relates to healing and protection. parties need to be within one hour of bergen county nj and these kinds of readings are meant for six to ten people. have you been looking for a psychic near hudson county nj for your next party or get together? there isn’t anyone else you should get in touch with. book a reading today!
look no further if you’ve been looking for a trusted animal whisperer in hudson county nj. even though communicating with their pets is something many people think simply impossible, i have been blessed with this gift. i have a significant amount of experience when it comes to communicating with animals, so you can be certain that your furry friend will feel comfortable on our first meeting. in addition to simple communication, this also is a great idea if you’re experiencing behavior problems with your pet or pets. we can do a reading in my office, at your home, or even over skype. do you have multiple pets? please take into account the fact that you will require extra time, since each pet reading is 30 minutes. are you looking for a horse whisperer near hudson county nj? look no further than teresa st. frances.
contact me today to book a reading when you’re looking for an experienced and qualified psychic near hudson county nj.


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What's Up with the Plus Classes?
You may have noticed that Classic Cadence Plus has taken a more prominent spot on our fall schedule, and that Rhythm Ride Plus has been added! These 55-minute classes include an optional 10-minute upper body workout after our regular rides. We’re so excited to give you more opportunities to experience this benefit!
Here are some FAQs to give you the scoop on our Plus classes!
Why did Cadence add an upper body workout to class?
Lots of reasons, but the short story is – you asked for it! We heard from some of you that you were finishing your workouts at home with weights, and we thought, “Well, let’s do that together!” We are always challenging ourselves to evolve and to add value to your Cadence experience. We agree that spending time on the upper body is necessary for a more complete work out.
How and why is the weight work at Cadence different than at other spin studios?
Our upper body workout happens off the bike. After our ride, we hop onto the floor to pick up our weights and stand while we focus on arms. This is because we are committed to safety and alignment. We believe that when your legs are spinning, you simply don’t have the stability necessary to safely add weight and movement to the upper body.
This choice turned out to have some other benefits. First, by focusing on legs on the bike and arms off the bike, you’re undoubtedly able to push yourself harder with each. Second, by tacking weights onto the end of class, it becomes optional. On days that you’re in a rush, you can jet out straight after your ride without missing a beat.
What if I can’t stay for 55 minutes?
You don’t have to stay! The first 45 minutes of class is exactly the same as it’s always been: warm up, ride, cool down, stretch. Then you can either scoot out or pick up your weights!
What can I expect from the weight workout?
We use light weights – one, two, or three pounds – because the muscles will be contracted consistently for about eight minutes. The intention is not to bulk up but rather to tone, tighten, and strengthen the muscles. You will be guided through tiny movements, lots of repetition, and long holds. Expect to be surprised by just how heavy two pound weights can feel after a couple minutes!
I’ve never worked out with weights before and I’m nervous to do it in a group! What if I can’t make it all the way through?
That’s okay! Our goal, as always, is to make Cadence a safe, welcoming, and inclusive space. Stepping out of your comfort zone can be intimidating, but, like our rides, we encourage you to go at your own pace and take breaks as you need. We also feel that this is the perfect environment to give weights a go. You’ll have an instructor coaching you through, keeping you safe and focused, and guiding you toward optimal results.

lowercased:
what's up with the plus classes?
you may have noticed that classic cadence plus has taken a more prominent spot on our fall schedule, and that rhythm ride plus has been added! these 55-minute classes include an optional 10-minute upper body workout after our regular rides. we’re so excited to give you more opportunities to experience this benefit!
here are some faqs to give you the scoop on our plus classes!
why did cadence add an upper body workout to class?
lots of reasons, but the short story is – you asked for it! we heard from some of you that you were finishing your workouts at home with weights, and we thought, “well, let’s do that together!” we are always challenging ourselves to evolve and to add value to your cadence experience. we agree that spending time on the upper body is necessary for a more complete work out.
how and why is the weight work at cadence different than at other spin studios?
our upper body workout happens off the bike. after our ride, we hop onto the floor to pick up our weights and stand while we focus on arms. this is because we are committed to safety and alignment. we believe that when your legs are spinning, you simply don’t have the stability necessary to safely add weight and movement to the upper body.
this choice turned out to have some other benefits. first, by focusing on legs on the bike and arms off the bike, you’re undoubtedly able to push yourself harder with each. second, by tacking weights onto the end of class, it becomes optional. on days that you’re in a rush, you can jet out straight after your ride without missing a beat.
what if i can’t stay for 55 minutes?
you don’t have to stay! the first 45 minutes of class is exactly the same as it’s always been: warm up, ride, cool down, stretch. then you can either scoot out or pick up your weights!
what can i expect from the weight workout?
we use light weights – one, two, or three pounds – because the muscles will be contracted consistently for about eight minutes. the intention is not to bulk up but rather to tone, tighten, and strengthen the muscles. you will be guided through tiny movements, lots of repetition, and long holds. expect to be surprised by just how heavy two pound weights can feel after a couple minutes!
i’ve never worked out with weights before and i’m nervous to do it in a group! what if i can’t make it all the way through?
that’s okay! our goal, as always, is to make cadence a safe, welcoming, and inclusive space. stepping out of your comfort zone can be intimidating, but, like our rides, we encourage you to go at your own pace and take breaks as you need. we also feel that this is the perfect environment to give weights a go. you’ll have an instructor coaching you through, keeping you safe and focused, and guiding you toward optimal results.


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Aroma Vera Relaxation Aromatic Mist 4 oz.
The Aromatic Mist is an ?instant? air refresher and purifier. A non-aerosol, alcohol-free spray of spirit-lifting natural scent that you can take anywhere. Use at home, in the office, carry in your purse or in your car. Also great as a body spray. 4 oz.

lowercased:
aroma vera relaxation aromatic mist 4 oz.
the aromatic mist is an ?instant? air refresher and purifier. a non-aerosol, alcohol-free spray of spirit-lifting natural scent that you can take anywhere. use at home, in the office, carry in your purse or in your car. also great as a body spray. 4 oz.


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That makes a lot of sense. As for me, my girlfriend and I have a vague plan of maybe 3 more years before we marry. She has an extra semester to do after I graduate, and I might end up doing a masters as well, so we aren't rushing anything.
Also, I'm glad to hear about your knives! That's exactly why I like giving them. People should be able to use them for many years, and I feel like that is the point of a wedding gift. 24 years from now they won't remember me having paid the equivalent of a meal on their honeymoon, but they could still be using the knives which cost the same amount.
Call me the grinch, but they'll probably just return the knives and get the cash anyway. Most couples are living together and so already have what they need for the home. I don't mind giving cash for weddings. The honeymoon sounds absurd, and Disney is not my thing, but if I knew them and liked them, I'd give them what they ask for.
I married in undergrad and we did grad school married as well, and it was wonderful. Admittedly, we started college late, and we both had full time jobs and no debt the whole time, so maybe a little different than these folks. We were given a large gift to help pay for our wedding, but we didn't need it.
I do make more than my husband, and always have, but it's never been an issue (or much of a topic of discussion), so I can't really comment on that aspect.
I bake almost all of our bread from scratch, so having a good knife makes a ton of difference. I think this is the one: [link=https://www.amazon.com/Tojiro-Bread-Slicer-270mm-F-687/dp/B004LVIO3O/ref=sr_1_4/134-9285627-2794216?ie=UTF8&qid=1533827937&sr=8-4&keywords=tojiro+bread+knife]click[/url]. Goes through like butter. Especially after my old crummy knife, sawing through and ruining the crust.
I see what you're saying, but in this particular case, I know that they were both living in the dorms last year, and the guy has been renting as one of my housemates this summer, so they don't really have much in terms of household supplies for when they move in together later this month (they are both from halfway across the country as well, so it is unlikely they will be flying back here with a lot of stuff). Also, I know the guy likes cooking (I don't know his fiance very well). I just have a hard time convincing myself to give money when I know all of it will just go toward Disney World...maybe I shouldn't have asked him about that!
I totally like the way the trend is going to give money instead of *things*... but that's just me.
I don't know about any debt she might be paying off, but she makes in the 50k range (our salaries are public info) and I see her going on a lot of vacations/ to concerts..etc. Goes out for lunch everyday too. Hopefully, she takes some of what I said to heart and it helps her.
CW1 just bought a fancy new car. Probably a slightly above average cost one.
I've spoken to CW1 in the past and they readily admit they should know more and be better about spending, but just can't do it. They are smart technically but intentionally bury their heads in the sand regarding money. I've tried to to convey some basic suggestions, but its 'too hard'. Its frustrating. These willfully ignorant types tick me off down the road when their hands outstretch for help.
CW2 brought up CW1 and talked excitedly about the new car. I told CW2 it would have been nice if CW1 could have at least found a nice few years old car.
CW2 explained...well you HAVE to buy a first NEW car sometime.
Someone else here just rolled in with a new 'track' version corvette or something. Its amazing how much money is sitting in our parking lot.
A lot of very smart, remarkably idiotic people here. More than a few even recognize their poor habits yet keep on keeping on.
The weirdness in pay is partly from DH earning ZERO, for more than year, and living off the wife's (low, because first "career" role) income.
I found that a differential in income, even if fairly large, matters less as people age, and if they have been earning their respective incomes for a while before getting together, because a low income is still self supporting / validating. That's different from a student virtual "ZERO" income for an extended period of time.
Sir Tom -- I agree that pooled money gifts are not great. There is zero memory of the people attached to the gift. It just avoids bad gifts, is all. I do give cash at weddings, but usually for people that I don't know very well personally, or well enough to buy a gift for, or logistically I don't see them normally, and can't physically get an actual gift to them, so money at the reception is a lot easier for everyone.
We've been in this situation a few times; both with my husband not working and me not working. It's never been weird at all. Our marriage has always been a partnership with pooled resources- who makes the money is of zero consideration. There has always been a reason for no income (student, recently laid off, medical, haven't found a new job after a move, etc) - neither of us ever didn't work out of laziness.
Get over it, they'll be returning the knives for cash. Giving them knives is just an inconvenience, you accomplish nothing but annoyance for the sake of feeling smug.
The entire point of the registry is to avoid the gaffe you are committing. Now they have to feign a smile and do an awkward thank you for something they didn't desire at this point; don't be a jerk and tell them how they'll appreciate it in the future either. Have you ever received a gift you didn't want? Like wool socks when you're five, five year olds don't want socks, they want toys and games (I want wool socks, but I'm old). I give my five year old socks because thats how kids learn to feign smiles so they can avoid creating scenes in the future when unwitting gift givers think the world should conform to their values and not to the recipient. Don't worry, she still gets toys (I'm not a real ginch).
Its still an idea I dislike (an overly expensive honeymoon, ugh), but don't compound the errors. We can teach people to become mustachian, don't force it on them.
When giving a present, it's not about what you value/want. It's what the giftee values/wants.
...Its still an idea I dislike (an overly expensive honeymoon, ugh), but don't compound the errors. We can teach people to become mustachian, don't force it on them.
One thing I don't get at all are big weddings with honeymoons and big gifts and a wedding registry etc. Although I've personally never been to a wedding like that, in our social circle people tend to have really low-key weddings. I only hear other people's horror stories. Half of people get divorced anyway, and sometimes I think that there might be a correlation between big expensive weddings and divorce statistics.
Nice fellow at work leaves the parking garage behind me and notices that I have a different car than he remembers. I notice he also has something different in my rear view mirror but think nothing of it, whatever. Nice fellow wants to tell me about his new car though so he uses the chance encounter to ask about my car and I reciprocate with the question about his.
My car: 2015 Honda CR-V bought in January 2018 at the Alfa Romeo dealership. They had it as a trade-in sitting on their lot since September 2017 with only 15K miles and I snapped it up for cash at a great price, and it has all the premo stuff. I got rid of the car I had been driving for 9 years up to this point which had also been bought as a 5YO used car (it was a 2004 model I bought for cash in 2009).
His car: 2018 Alfa Romeo Stelvio, coincidenally bought at the same dealership this month. He ordered it special and it has all the premo stuff. Payments. He is 60 and will be working a while longer since he is aiming for the company pension and SS as he knows you are expected to do, no thought of any other plan.
He seems very content and is pleased as punch about his car, just absolutely loves it. I see the same car and it makes my skin crawl, I just couldn't do that with my money, but I nodded with enthusiasm and didn't question the choice at all. Not my business. The guy talks about wanting to retire now and again but is not a big complainer so I think he is living the life he wants.
But to me the difference is so stark when you compare goals and life plans and habits of consumption. The fact that we bought the cars at the exact same dealership with drastically different mindsets is interesting indeed. It makes me wonder if there will be a shadow of doubt crossing his mind about the choice when I leave as an extremely early retiree and he is still there. Probably not though.
I've only been through Dusty once or twice, and didn't remember it, had to do a google map lookup.
I can visualize the flapping payment book. Nice turn of phrase.
Wtf is a hunker down mode?
Did you buy his trade-in?
I assume he was referring to some kind of sport mode. Not familiar with the Alfa but most higher end vehicles have semi active or active dampers with tunes that can completely change the character of the vehicle.
Some of these cars will also lower the suspension when they are put into sport mode. Don't know if the Alfa-Romeos have this feature.
It's what sports cars do to avoid detection by lusty dragons.
Coworker age 65 recently spoke to me about not being able to retire for another 5 years or so as he need the max SS benefits due to very little savings and only a small pension of a few hundred dollars a month. He has been an engineer for over 40 years.
Today he asked our HR person for (another) 401k loan to pay for his 13 year old dog's intestine surgery. This is the second such request this year, with vet bills now over $15k.
Mmhmm. Some of them will even wrap themselves in chrome-like vinyl (to the tune of 6K) so when they slink around corners the sun will reflect off the coating and blind and/or disorient the dragon. If you're really determined you can try their proving grounds where they are known to frolic by drag racing or catch one separated from the herd as it pulls out of the temperature controlled garage of a McMansion.
There is a starbucks near our workplace, so it's not strange to see their products around our office floor. But lately it seems like a bunch of the younger co-workers are walking around with Starbucks Water. It's in the same plastic cup with long green straw, but it's...water?!?
Are they refilling their cups from a previous purchase to use at work?
Starbucks gives you tap water for free. Some charge 30 cents or so for the cup though.
That would have been me at my old workplace. We had a lot of breaks where everyone would go down to the neighbouring Starbucks and I would go along to stretch my legs and generally got water. I never was charged. Probably because my coworkers were spending so much.
Finally, an explanation of the Citroën.
In my old workplace there was a coffee selling place nearby as well. Some colleagues would buy the fancy coffee for the group of coffee drinkers and with that morally compel the group members to do the same thing back next time.
I work in the federal government and am helping my boss out with reviewing resumes for a new hire. I'm a GS-11 which has a base salary of about $62,000. The position being advertised is also a GS-11 but two people who applied made far more so my boss called them to find out why they applied for a job with much lower pay. One guy was in a HCOL area and wanted to be closer to family in our LCOL area. The second guy was local and worked for a different federal agency as a GS-12 making $94,000. When we called him to find out why he was willing to take such a dramatic pay cut he said he thought he could get the job bumped up to GS-12 and basically match his current salary. When my boss informed him that wasn't going to be possible he mentioned he had three kids in college and had just bought three new cars so he couldn't afford a pay cut.
I don't know if he meant three new (used) cars or three brand new cars but WTF. Maybe his kids got a lot of scholarships or his wife has a good income as well but I can't imagine buying one brand new car, let alone three at the same time.
What sort of obligation, if any, do you feel to caution your friends or "work friends" about the consequences of their profligacy? A former colleague of mine is about to be medically released from the military where she earns about $80k/year. Insurance will provide her with 75% of her previous pay for 2 years, then she'll get a pension worth about $30k/year. She's amassed over $40K in consumer debt while earning $80k, so she needs to adjust her lifestyle - but doesn't see the need.
She has little home equity, a high school education, has moved back to a community with high unemployment, and has pegged her financial future on Veterans' Affairs reconsidering a claim that they've already denied, and plans to sell movie ideas to Netflix. She has few transferable skills and a condition that causes her to be in chronic pain, so her employment prospects are very limited.
She could fix her situation by using the insurance money to pay off her debts if she slashes her spending now, but how do I point her to the right path without telling her that her plans tantamount to magical thinking? Even though we don't have much in common, she's a sweet person, and I don't think that she has anyone else in her life to point her on a less destructive path. What to do?
@Sun Hat If she is a good friend, I’d just invite her out for a meal to catch up, casually ask about her upcoming plans now that her discharge is imminent, and then show her the math. While her Plan A is to have the VA reconsider her claim, I’d ask her what her Plan B was “just in case” VA denied her claim.
It is a theory of mine that the correlation exists because the people are married and get along only while the money is flowing. Once the trips down south, the new cars, trailers, and new iPhone purchases stop because the credit cards are maxed and the line of credit is tapped, the people realize that they don't really enjoy their partner, and were only getting along/having fun with him/her while there was money to burn.
Does the inverse hold true as well? We had a €500,- wedding!
how do I point her to the right path without telling her that her plans tantamount to magical thinking?
You set your own example, and talk it about enthusiastically. That probably won't work, but it has the best chance of working while not causing a rift between you and her as she gets offended that Netflix isn't going to pay her millions.
Yr2: 60k income, 25k spending, debt 5k -->0k, savings 0k-->25k.
Yr3 and thereafter, 30k income, 5k spending, savings 25k+5k pa.
That's not huge savings but if she's receiving some sort of disability pension from her military service then she will have zero medical costs, so her savings can be for small investments, hobbies, or travel.
But she almost certainly won't do it. People don't engage in magical thinking for just a year or two out of nowhere and then stop, it's a lifelong practice. Digging further, you'll find similar thinking throughout her life, let me guess: is she also single and dreaming of a 6'4" handsome rich charming educated man who sweeps her off her feet one day? So when I say that you should discuss your own example in a conversational way, that's not in expectation of any positive change on her part as a result, but just so you can get it out of your system.
Thanks for the feedback @Kyle Schuant and @Freedomin5.
One of the few things that my friend and I have in common is that we're both women who were/will be medically released from the military. Our pensions will even be of a pretty similar amount. For me, the 70% reduction in income wasn't a big impact to my daily spending, as I had been saving over 60% of my pay anyways, so I just downsized from my almost-paid for home to a totally paid for home and called it a day. Kyle Schuant is right, hers is a lifetime of magical thinking and poor financial management. Fortunately, we're Canadian, so medical costs aren't a significant factor.
I think that Freedomin5's suggestion of asking about her Plan B is a good one, and far more tactful than anything that I could have come up with on my own. Unfortunately, I won't get to see her face to face, since I only saw her while she was passing through my city enroute her retirement destination and she was traveling with her 14 year old daughter, and I didn't want to shake her by the collar and call her crazy in front of her kid, so I just smiled and nodded when she told me her situation. I'll have to make my query by email.
... but how do I point her to the right path without telling her that her plans tantamount to magical thinking? Even though we don't have much in common, she's a sweet person, and I don't think that she has anyone else in her life to point her on a less destructive path. What to do?
I'm not very good at this, but I've seen others employ this method to great effect: ask questions. Don't (outwardly) judge them or say that they're in dreamland. Ask the questions that will force them to actually think through their future. Freedomin5 is on the right track--ask what plan B is. Ask how much it'll cost to live in her new place. Ask what kind of jobs are available there. Ask how she sees her life in 5 years. Ask the "what if" questions. Ask her what makes her think the VA will reconsider the previously-denied claim. Ask her what her actual spending is (does she even know?).

lowercased:
that makes a lot of sense. as for me, my girlfriend and i have a vague plan of maybe 3 more years before we marry. she has an extra semester to do after i graduate, and i might end up doing a masters as well, so we aren't rushing anything.
also, i'm glad to hear about your knives! that's exactly why i like giving them. people should be able to use them for many years, and i feel like that is the point of a wedding gift. 24 years from now they won't remember me having paid the equivalent of a meal on their honeymoon, but they could still be using the knives which cost the same amount.
call me the grinch, but they'll probably just return the knives and get the cash anyway. most couples are living together and so already have what they need for the home. i don't mind giving cash for weddings. the honeymoon sounds absurd, and disney is not my thing, but if i knew them and liked them, i'd give them what they ask for.
i married in undergrad and we did grad school married as well, and it was wonderful. admittedly, we started college late, and we both had full time jobs and no debt the whole time, so maybe a little different than these folks. we were given a large gift to help pay for our wedding, but we didn't need it.
i do make more than my husband, and always have, but it's never been an issue (or much of a topic of discussion), so i can't really comment on that aspect.
i bake almost all of our bread from scratch, so having a good knife makes a ton of difference. i think this is the one: [link=https://www.amazon.com/tojiro-bread-slicer-270mm-f-687/dp/b004lvio3o/ref=sr_1_4/134-9285627-2794216?ie=utf8&qid=1533827937&sr=8-4&keywords=tojiro+bread+knife]click[/url]. goes through like butter. especially after my old crummy knife, sawing through and ruining the crust.
i see what you're saying, but in this particular case, i know that they were both living in the dorms last year, and the guy has been renting as one of my housemates this summer, so they don't really have much in terms of household supplies for when they move in together later this month (they are both from halfway across the country as well, so it is unlikely they will be flying back here with a lot of stuff). also, i know the guy likes cooking (i don't know his fiance very well). i just have a hard time convincing myself to give money when i know all of it will just go toward disney world...maybe i shouldn't have asked him about that!
i totally like the way the trend is going to give money instead of *things*... but that's just me.
i don't know about any debt she might be paying off, but she makes in the 50k range (our salaries are public info) and i see her going on a lot of vacations/ to concerts..etc. goes out for lunch everyday too. hopefully, she takes some of what i said to heart and it helps her.
cw1 just bought a fancy new car. probably a slightly above average cost one.
i've spoken to cw1 in the past and they readily admit they should know more and be better about spending, but just can't do it. they are smart technically but intentionally bury their heads in the sand regarding money. i've tried to to convey some basic suggestions, but its 'too hard'. its frustrating. these willfully ignorant types tick me off down the road when their hands outstretch for help.
cw2 brought up cw1 and talked excitedly about the new car. i told cw2 it would have been nice if cw1 could have at least found a nice few years old car.
cw2 explained...well you have to buy a first new car sometime.
someone else here just rolled in with a new 'track' version corvette or something. its amazing how much money is sitting in our parking lot.
a lot of very smart, remarkably idiotic people here. more than a few even recognize their poor habits yet keep on keeping on.
the weirdness in pay is partly from dh earning zero, for more than year, and living off the wife's (low, because first "career" role) income.
i found that a differential in income, even if fairly large, matters less as people age, and if they have been earning their respective incomes for a while before getting together, because a low income is still self supporting / validating. that's different from a student virtual "zero" income for an extended period of time.
sir tom -- i agree that pooled money gifts are not great. there is zero memory of the people attached to the gift. it just avoids bad gifts, is all. i do give cash at weddings, but usually for people that i don't know very well personally, or well enough to buy a gift for, or logistically i don't see them normally, and can't physically get an actual gift to them, so money at the reception is a lot easier for everyone.
we've been in this situation a few times; both with my husband not working and me not working. it's never been weird at all. our marriage has always been a partnership with pooled resources- who makes the money is of zero consideration. there has always been a reason for no income (student, recently laid off, medical, haven't found a new job after a move, etc) - neither of us ever didn't work out of laziness.
get over it, they'll be returning the knives for cash. giving them knives is just an inconvenience, you accomplish nothing but annoyance for the sake of feeling smug.
the entire point of the registry is to avoid the gaffe you are committing. now they have to feign a smile and do an awkward thank you for something they didn't desire at this point; don't be a jerk and tell them how they'll appreciate it in the future either. have you ever received a gift you didn't want? like wool socks when you're five, five year olds don't want socks, they want toys and games (i want wool socks, but i'm old). i give my five year old socks because thats how kids learn to feign smiles so they can avoid creating scenes in the future when unwitting gift givers think the world should conform to their values and not to the recipient. don't worry, she still gets toys (i'm not a real ginch).
its still an idea i dislike (an overly expensive honeymoon, ugh), but don't compound the errors. we can teach people to become mustachian, don't force it on them.
when giving a present, it's not about what you value/want. it's what the giftee values/wants.
...its still an idea i dislike (an overly expensive honeymoon, ugh), but don't compound the errors. we can teach people to become mustachian, don't force it on them.
one thing i don't get at all are big weddings with honeymoons and big gifts and a wedding registry etc. although i've personally never been to a wedding like that, in our social circle people tend to have really low-key weddings. i only hear other people's horror stories. half of people get divorced anyway, and sometimes i think that there might be a correlation between big expensive weddings and divorce statistics.
nice fellow at work leaves the parking garage behind me and notices that i have a different car than he remembers. i notice he also has something different in my rear view mirror but think nothing of it, whatever. nice fellow wants to tell me about his new car though so he uses the chance encounter to ask about my car and i reciprocate with the question about his.
my car: 2015 honda cr-v bought in january 2018 at the alfa romeo dealership. they had it as a trade-in sitting on their lot since september 2017 with only 15k miles and i snapped it up for cash at a great price, and it has all the premo stuff. i got rid of the car i had been driving for 9 years up to this point which had also been bought as a 5yo used car (it was a 2004 model i bought for cash in 2009).
his car: 2018 alfa romeo stelvio, coincidenally bought at the same dealership this month. he ordered it special and it has all the premo stuff. payments. he is 60 and will be working a while longer since he is aiming for the company pension and ss as he knows you are expected to do, no thought of any other plan.
he seems very content and is pleased as punch about his car, just absolutely loves it. i see the same car and it makes my skin crawl, i just couldn't do that with my money, but i nodded with enthusiasm and didn't question the choice at all. not my business. the guy talks about wanting to retire now and again but is not a big complainer so i think he is living the life he wants.
but to me the difference is so stark when you compare goals and life plans and habits of consumption. the fact that we bought the cars at the exact same dealership with drastically different mindsets is interesting indeed. it makes me wonder if there will be a shadow of doubt crossing his mind about the choice when i leave as an extremely early retiree and he is still there. probably not though.
i've only been through dusty once or twice, and didn't remember it, had to do a google map lookup.
i can visualize the flapping payment book. nice turn of phrase.
wtf is a hunker down mode?
did you buy his trade-in?
i assume he was referring to some kind of sport mode. not familiar with the alfa but most higher end vehicles have semi active or active dampers with tunes that can completely change the character of the vehicle.
some of these cars will also lower the suspension when they are put into sport mode. don't know if the alfa-romeos have this feature.
it's what sports cars do to avoid detection by lusty dragons.
coworker age 65 recently spoke to me about not being able to retire for another 5 years or so as he need the max ss benefits due to very little savings and only a small pension of a few hundred dollars a month. he has been an engineer for over 40 years.
today he asked our hr person for (another) 401k loan to pay for his 13 year old dog's intestine surgery. this is the second such request this year, with vet bills now over $15k.
mmhmm. some of them will even wrap themselves in chrome-like vinyl (to the tune of 6k) so when they slink around corners the sun will reflect off the coating and blind and/or disorient the dragon. if you're really determined you can try their proving grounds where they are known to frolic by drag racing or catch one separated from the herd as it pulls out of the temperature controlled garage of a mcmansion.
there is a starbucks near our workplace, so it's not strange to see their products around our office floor. but lately it seems like a bunch of the younger co-workers are walking around with starbucks water. it's in the same plastic cup with long green straw, but it's...water?!?
are they refilling their cups from a previous purchase to use at work?
starbucks gives you tap water for free. some charge 30 cents or so for the cup though.
that would have been me at my old workplace. we had a lot of breaks where everyone would go down to the neighbouring starbucks and i would go along to stretch my legs and generally got water. i never was charged. probably because my coworkers were spending so much.
finally, an explanation of the citroën.
in my old workplace there was a coffee selling place nearby as well. some colleagues would buy the fancy coffee for the group of coffee drinkers and with that morally compel the group members to do the same thing back next time.
i work in the federal government and am helping my boss out with reviewing resumes for a new hire. i'm a gs-11 which has a base salary of about $62,000. the position being advertised is also a gs-11 but two people who applied made far more so my boss called them to find out why they applied for a job with much lower pay. one guy was in a hcol area and wanted to be closer to family in our lcol area. the second guy was local and worked for a different federal agency as a gs-12 making $94,000. when we called him to find out why he was willing to take such a dramatic pay cut he said he thought he could get the job bumped up to gs-12 and basically match his current salary. when my boss informed him that wasn't going to be possible he mentioned he had three kids in college and had just bought three new cars so he couldn't afford a pay cut.
i don't know if he meant three new (used) cars or three brand new cars but wtf. maybe his kids got a lot of scholarships or his wife has a good income as well but i can't imagine buying one brand new car, let alone three at the same time.
what sort of obligation, if any, do you feel to caution your friends or "work friends" about the consequences of their profligacy? a former colleague of mine is about to be medically released from the military where she earns about $80k/year. insurance will provide her with 75% of her previous pay for 2 years, then she'll get a pension worth about $30k/year. she's amassed over $40k in consumer debt while earning $80k, so she needs to adjust her lifestyle - but doesn't see the need.
she has little home equity, a high school education, has moved back to a community with high unemployment, and has pegged her financial future on veterans' affairs reconsidering a claim that they've already denied, and plans to sell movie ideas to netflix. she has few transferable skills and a condition that causes her to be in chronic pain, so her employment prospects are very limited.
she could fix her situation by using the insurance money to pay off her debts if she slashes her spending now, but how do i point her to the right path without telling her that her plans tantamount to magical thinking? even though we don't have much in common, she's a sweet person, and i don't think that she has anyone else in her life to point her on a less destructive path. what to do?
@sun hat if she is a good friend, i’d just invite her out for a meal to catch up, casually ask about her upcoming plans now that her discharge is imminent, and then show her the math. while her plan a is to have the va reconsider her claim, i’d ask her what her plan b was “just in case” va denied her claim.
it is a theory of mine that the correlation exists because the people are married and get along only while the money is flowing. once the trips down south, the new cars, trailers, and new iphone purchases stop because the credit cards are maxed and the line of credit is tapped, the people realize that they don't really enjoy their partner, and were only getting along/having fun with him/her while there was money to burn.
does the inverse hold true as well? we had a €500,- wedding!
how do i point her to the right path without telling her that her plans tantamount to magical thinking?
you set your own example, and talk it about enthusiastically. that probably won't work, but it has the best chance of working while not causing a rift between you and her as she gets offended that netflix isn't going to pay her millions.
yr2: 60k income, 25k spending, debt 5k -->0k, savings 0k-->25k.
yr3 and thereafter, 30k income, 5k spending, savings 25k+5k pa.
that's not huge savings but if she's receiving some sort of disability pension from her military service then she will have zero medical costs, so her savings can be for small investments, hobbies, or travel.
but she almost certainly won't do it. people don't engage in magical thinking for just a year or two out of nowhere and then stop, it's a lifelong practice. digging further, you'll find similar thinking throughout her life, let me guess: is she also single and dreaming of a 6'4" handsome rich charming educated man who sweeps her off her feet one day? so when i say that you should discuss your own example in a conversational way, that's not in expectation of any positive change on her part as a result, but just so you can get it out of your system.
thanks for the feedback @kyle schuant and @freedomin5.
one of the few things that my friend and i have in common is that we're both women who were/will be medically released from the military. our pensions will even be of a pretty similar amount. for me, the 70% reduction in income wasn't a big impact to my daily spending, as i had been saving over 60% of my pay anyways, so i just downsized from my almost-paid for home to a totally paid for home and called it a day. kyle schuant is right, hers is a lifetime of magical thinking and poor financial management. fortunately, we're canadian, so medical costs aren't a significant factor.
i think that freedomin5's suggestion of asking about her plan b is a good one, and far more tactful than anything that i could have come up with on my own. unfortunately, i won't get to see her face to face, since i only saw her while she was passing through my city enroute her retirement destination and she was traveling with her 14 year old daughter, and i didn't want to shake her by the collar and call her crazy in front of her kid, so i just smiled and nodded when she told me her situation. i'll have to make my query by email.
... but how do i point her to the right path without telling her that her plans tantamount to magical thinking? even though we don't have much in common, she's a sweet person, and i don't think that she has anyone else in her life to point her on a less destructive path. what to do?
i'm not very good at this, but i've seen others employ this method to great effect: ask questions. don't (outwardly) judge them or say that they're in dreamland. ask the questions that will force them to actually think through their future. freedomin5 is on the right track--ask what plan b is. ask how much it'll cost to live in her new place. ask what kind of jobs are available there. ask how she sees her life in 5 years. ask the "what if" questions. ask her what makes her think the va will reconsider the previously-denied claim. ask her what her actual spending is (does she even know?).


text:
On behalf of our client, a thriving Financial Services organization, we are actively seeking a Manager to join their Corporate Secretarial/Board Support team. If you are a professional candidate with exceptional analytical and decision-making skills, then this could be the job for you!
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lowercased:
on behalf of our client, a thriving financial services organization, we are actively seeking a manager to join their corporate secretarial/board support team. if you are a professional candidate with exceptional analytical and decision-making skills, then this could be the job for you!
if you are a hands-on leader with strong technical skills who is eager to learn, then apply now for a life changing opportunity!


text:
Syracuse University will kick off Black History Month on Friday, Feb. 1, with a celebration in the atrium of the Hildegarde and J. Myer Schine Student Center from 11 a.m.-2 p.m. The month-long schedule of activities includes many diverse performances, lectures and educational opportunities, and will be highlighted by the Commemorative Lecture, given by award-winning author, journalist and culture critic Joan Morgan on Feb. 7.
The month’s events are organized by SU’s Office of Multicultural Affairs, a principal unit within the Division of Student Affairs, in partnership with the Department of African American Studies in the College of Arts and Sciences and the Community Folk Art Center, among other sponsors. The full schedule of events is available at http://suevents.syr.edu.
Morgan will deliver the Commemorative Lecture on Thursday, Feb. 7, at 7 p.m. in Maxwell Auditorium. The lecture is co-sponsored by the Women’s Studies Program. Morgan, a pioneering hip-hop journalist, coined the term “hip-hop feminism” in 2000 when she published her groundbreaking book, “When Chickenheads Come Home to Roost: A Hip-Hop Feminist Breaks It Down” (Simon and Schuster). She is regarded internationally as an expert on the topics of hip-hop and gender.
Feb. 2, 1:30 p.m.: “Pan-Africanism: Marching Into the Future,” a discussion introducing the significance of Pan-Africanism and how it applies to individuals and the community at large. Beauchamp Branch Library, 2111 S. Salina St.
Feb. 2, 3 p.m.: AfriCOBRA: Liberated Images. An artist panel discussion. Community Folk Art Center, 805 E. Genesee St.
Feb. 2, 7 p.m.: Community Folk Art Center Celebrates 35 Years. Community Folk Art Center, 805 E. Genesee St.
Feb. 7, noon: “Cold Cases: Seeking Justice for Unsolved Civil Rights Murders.” Weiskotten Hall, ninth floor auditorium, SUNY Upstate Medical University, 766 Irving Ave.
Feb. 13, 7 p.m.: “Black Is, Black Ain’t”: A Personal Journey Through Black Identity. Kittredge Auditorium, Huntington Beard Crouse Hall.
Feb. 16, 1:30 p.m.: “Education: Turning Hope Into Reality.” A discussion of the issues at hand and an offering of realistic solutions. Beauchamp Branch Library, 2111 S. Salina St.
Feb. 17, 4 p.m. The 4th Annual Black History Month Jazz Cabaret, featuring Barbara Morrison. The Underground, Schine Student Center. Morrison will perform with the CNY Jazz Quartet, Black Celestial Choral Ensemble, Windjammer and other vocal talent from SU. Tickets are $5 for the general public and $3 for students with I.D., and are available at the Schine Box Office.
Feb. 19, 7 p.m.: “Expanding Wing … Stretching Space: Creating Room ‘tween a Rock and a Hard Place.” Theatrical readings of inspirational poetry and stories written by women survivors of domestic violence. The Underground, Schine Student Center.
Feb. 21, 4:30 p.m.: Documentary filmmaker Spike Lee will speak about “Six Degrees of Separation” at the OnCenter. Ticket information to be announced. Lee’s documentary on Hurricane Katrina, “When the Levees Broke,” will be screened at SU Feb. 18 and 19. Parts one and two will be shown Feb. 18 from 7-9 p.m. in Watson Theater and parts three and four will be shown Feb. 19 from 7-9 p.m. in Kittredge Auditorium in HBC. A panel discussion on the documentary will be held Feb. 20 from 7-9 p.m. in the Kilian Room, Room 500 in the Hall of Languages.
Feb. 22, 7 p.m. Black Film Festival: “Something New,” exploring interracial relationships and the future of the African American family. Watson Auditorium.
Feb. 24, 4 p.m. Third Annual Cora Thomas Gospel Extravaganza. Hendricks Chapel.
Feb. 27 and 28, 10 a.m.: “Voter Registration!” Tables in the Schine atrium.
Feb. 27, 7 p.m. Black Men’s and Women’s Think Tank. Sheraton Syracuse University Hotel and Conference Center.
Feb. 28, 8 p.m. Ailey II dance troupe. In celebration of the 50th anniversary of the dance troupe’s parent company, the Alvin Ailey American Dance Theater, Pulse has commissioned “The External Knot” by choreographer Troy Powell with music by Philip Glass and Robert Schumann. $5 for SU students with SU I.D.; $15 for SU faculty, staff, alumni and staff members of local Pulse partners; and $20 for the general public. Ann and Alfred R. Goldstein Auditorium, Hildegarde and J. Myer Schine Student Center.
For more information on SU’s celebration of Black History Month, call OMA at (315) 443-9676.

lowercased:
syracuse university will kick off black history month on friday, feb. 1, with a celebration in the atrium of the hildegarde and j. myer schine student center from 11 a.m.-2 p.m. the month-long schedule of activities includes many diverse performances, lectures and educational opportunities, and will be highlighted by the commemorative lecture, given by award-winning author, journalist and culture critic joan morgan on feb. 7.
the month’s events are organized by su’s office of multicultural affairs, a principal unit within the division of student affairs, in partnership with the department of african american studies in the college of arts and sciences and the community folk art center, among other sponsors. the full schedule of events is available at http://suevents.syr.edu.
morgan will deliver the commemorative lecture on thursday, feb. 7, at 7 p.m. in maxwell auditorium. the lecture is co-sponsored by the women’s studies program. morgan, a pioneering hip-hop journalist, coined the term “hip-hop feminism” in 2000 when she published her groundbreaking book, “when chickenheads come home to roost: a hip-hop feminist breaks it down” (simon and schuster). she is regarded internationally as an expert on the topics of hip-hop and gender.
feb. 2, 1:30 p.m.: “pan-africanism: marching into the future,” a discussion introducing the significance of pan-africanism and how it applies to individuals and the community at large. beauchamp branch library, 2111 s. salina st.
feb. 2, 3 p.m.: africobra: liberated images. an artist panel discussion. community folk art center, 805 e. genesee st.
feb. 2, 7 p.m.: community folk art center celebrates 35 years. community folk art center, 805 e. genesee st.
feb. 7, noon: “cold cases: seeking justice for unsolved civil rights murders.” weiskotten hall, ninth floor auditorium, suny upstate medical university, 766 irving ave.
feb. 13, 7 p.m.: “black is, black ain’t”: a personal journey through black identity. kittredge auditorium, huntington beard crouse hall.
feb. 16, 1:30 p.m.: “education: turning hope into reality.” a discussion of the issues at hand and an offering of realistic solutions. beauchamp branch library, 2111 s. salina st.
feb. 17, 4 p.m. the 4th annual black history month jazz cabaret, featuring barbara morrison. the underground, schine student center. morrison will perform with the cny jazz quartet, black celestial choral ensemble, windjammer and other vocal talent from su. tickets are $5 for the general public and $3 for students with i.d., and are available at the schine box office.
feb. 19, 7 p.m.: “expanding wing … stretching space: creating room ‘tween a rock and a hard place.” theatrical readings of inspirational poetry and stories written by women survivors of domestic violence. the underground, schine student center.
feb. 21, 4:30 p.m.: documentary filmmaker spike lee will speak about “six degrees of separation” at the oncenter. ticket information to be announced. lee’s documentary on hurricane katrina, “when the levees broke,” will be screened at su feb. 18 and 19. parts one and two will be shown feb. 18 from 7-9 p.m. in watson theater and parts three and four will be shown feb. 19 from 7-9 p.m. in kittredge auditorium in hbc. a panel discussion on the documentary will be held feb. 20 from 7-9 p.m. in the kilian room, room 500 in the hall of languages.
feb. 22, 7 p.m. black film festival: “something new,” exploring interracial relationships and the future of the african american family. watson auditorium.
feb. 24, 4 p.m. third annual cora thomas gospel extravaganza. hendricks chapel.
feb. 27 and 28, 10 a.m.: “voter registration!” tables in the schine atrium.
feb. 27, 7 p.m. black men’s and women’s think tank. sheraton syracuse university hotel and conference center.
feb. 28, 8 p.m. ailey ii dance troupe. in celebration of the 50th anniversary of the dance troupe’s parent company, the alvin ailey american dance theater, pulse has commissioned “the external knot” by choreographer troy powell with music by philip glass and robert schumann. $5 for su students with su i.d.; $15 for su faculty, staff, alumni and staff members of local pulse partners; and $20 for the general public. ann and alfred r. goldstein auditorium, hildegarde and j. myer schine student center.
for more information on su’s celebration of black history month, call oma at (315) 443-9676.


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When I think of TV in the 80s, I think of the many things I missed out on. It’s not that I’m too old or too young—I’m in fact perfectly-aged to have been raised by television in the 1980s.
The problem was that my family lived at the bottom of a valley, surrounded on all sides by wooded hills. We had a glorious TV antenna that reached up way past the house in hopes of catching those precious waves, but despite its great height we only received one channel, the local NBC affiliate. My knowledge of television from my past is restricted to those shows that aired on channel 18, WHIZ TV—Alf, the Cosby Show & A Different World. I never even saw The Wonder Years until I went to college!
That’s why Mary Hamilton’s show, “You Give Me Growing Pains, Theodore Huxtable” was so important. Thanks to Erin Teegarden and Nicolette Bond I now I have a truer understanding of the joy so many found in watching The Wonder Years. Tobias Amadon Benglesdorf gave us a glimpse of Alex P. Keaton’s not so heart-throbbingly awesome future as coke-addled Republican jerk. Meg Barboza’s slideshow as to why Rosanne was the best show ever was very convincing. Zach Plague compared Al Bundy and Sisyphus with the zeal of a young Ph.D. candidate. Lindsay Hunter reminded me that I am so not a Chicagoan because I only learned what Bozo Buckets were last summer. Brian Costello wooed us, and Tracy Gold, with a story and song, and Jac Jemc cracked the room up by inserting herself into a typical (or not so typical?) Perfect Strangers scenario. Fred Sasaki and Jacob S. Knabb also jumped in and read some appropriately themed and hastily penned haikus.
Oh, and of course I have to mention the word-for-word reenactments of our favorite scenes from shows like the Facts of Life and the Cosby Show, excellently performed by Mary, Jill Summers and Erin!
Thanks to Mary for bringing everyone out. That show was a blast, and even educational for people like me who lived where no cables would run (seriously, they still don’t run cable out to my parents’ house). Thanks for the show, and thanks for the old memories!
oh, so I just learned that Bozo the Clown was not a Chicago thing, which is what I was led to believe last summer. Huh.

lowercased:
when i think of tv in the 80s, i think of the many things i missed out on. it’s not that i’m too old or too young—i’m in fact perfectly-aged to have been raised by television in the 1980s.
the problem was that my family lived at the bottom of a valley, surrounded on all sides by wooded hills. we had a glorious tv antenna that reached up way past the house in hopes of catching those precious waves, but despite its great height we only received one channel, the local nbc affiliate. my knowledge of television from my past is restricted to those shows that aired on channel 18, whiz tv—alf, the cosby show & a different world. i never even saw the wonder years until i went to college!
that’s why mary hamilton’s show, “you give me growing pains, theodore huxtable” was so important. thanks to erin teegarden and nicolette bond i now i have a truer understanding of the joy so many found in watching the wonder years. tobias amadon benglesdorf gave us a glimpse of alex p. keaton’s not so heart-throbbingly awesome future as coke-addled republican jerk. meg barboza’s slideshow as to why rosanne was the best show ever was very convincing. zach plague compared al bundy and sisyphus with the zeal of a young ph.d. candidate. lindsay hunter reminded me that i am so not a chicagoan because i only learned what bozo buckets were last summer. brian costello wooed us, and tracy gold, with a story and song, and jac jemc cracked the room up by inserting herself into a typical (or not so typical?) perfect strangers scenario. fred sasaki and jacob s. knabb also jumped in and read some appropriately themed and hastily penned haikus.
oh, and of course i have to mention the word-for-word reenactments of our favorite scenes from shows like the facts of life and the cosby show, excellently performed by mary, jill summers and erin!
thanks to mary for bringing everyone out. that show was a blast, and even educational for people like me who lived where no cables would run (seriously, they still don’t run cable out to my parents’ house). thanks for the show, and thanks for the old memories!
oh, so i just learned that bozo the clown was not a chicago thing, which is what i was led to believe last summer. huh.


text: The four day Cape to Cape Family Walk is a private guided family walk which combines the best sections of the Cape to Cape track with once-in-a-lifetime food and wine experiences and luxury beachfront accommodation at family friendly Smiths Beach Resort. Packed with highlights, this premier walk takes in pristine bays, jaw-dropping clifftops and tall tree karri forest, with whales, dolphins and wildflowers regularly seen. All food is included, along with in-villa welcome of wines, craft beers and local provisions. Feature dining experiences include four course lunch (with matched wines for Mum and Dad) at an award winning winery, private in-villa chef dinner showcasing local produce and gourmet hampers to enjoy on the track. This is the ultimate private family escape with your personal guide and driver.

lowercased: the four day cape to cape family walk is a private guided family walk which combines the best sections of the cape to cape track with once-in-a-lifetime food and wine experiences and luxury beachfront accommodation at family friendly smiths beach resort. packed with highlights, this premier walk takes in pristine bays, jaw-dropping clifftops and tall tree karri forest, with whales, dolphins and wildflowers regularly seen. all food is included, along with in-villa welcome of wines, craft beers and local provisions. feature dining experiences include four course lunch (with matched wines for mum and dad) at an award winning winery, private in-villa chef dinner showcasing local produce and gourmet hampers to enjoy on the track. this is the ultimate private family escape with your personal guide and driver.


text:
The Clough Cemetery is located in Orange County.
We know of 42 cemeteries that are within Less than 2 miles<2> of the Clough Cemetery. The cemeteries are listed in alphabetical order.
The following 28 communities are within 10 miles [16.1 km] of the Clough Cemetery.
The following communities are those where newspapers have been published and are located in the vicinity of the Clough Cemetery. Unless otherwise noted, the following communities are located in Orange County.
More information can be found on our list of Local Newspapers for the Clough Cemetery.
Our approach is to add the name of a cemetery whenever we see it mentioned - usually in newspapers, old books or maps. Typically we have little information to start with, but we try to add detail as we continue our research. We've created the following list to keep track of the sources we found useful in our research about the Clough Cemetery.
Our distance measurements begin at a specific point at the Clough Cemetery. The point we use is located at these GPS coordinates - Latitude: 43.8623, Longitude: -72.3220 [Map]. In this case, the coordinates for the Clough Cemetery have been provided by the Geographic Names Information System (GNIS).

lowercased:
the clough cemetery is located in orange county.
we know of 42 cemeteries that are within less than 2 miles<2> of the clough cemetery. the cemeteries are listed in alphabetical order.
the following 28 communities are within 10 miles [16.1 km] of the clough cemetery.
the following communities are those where newspapers have been published and are located in the vicinity of the clough cemetery. unless otherwise noted, the following communities are located in orange county.
more information can be found on our list of local newspapers for the clough cemetery.
our approach is to add the name of a cemetery whenever we see it mentioned - usually in newspapers, old books or maps. typically we have little information to start with, but we try to add detail as we continue our research. we've created the following list to keep track of the sources we found useful in our research about the clough cemetery.
our distance measurements begin at a specific point at the clough cemetery. the point we use is located at these gps coordinates - latitude: 43.8623, longitude: -72.3220 [map]. in this case, the coordinates for the clough cemetery have been provided by the geographic names information system (gnis).


text:
The Embassy of South Sudan in Uganda has warned citizens against a new social media “goods clearance” scam targeting mainly South Sudanese nationals living in Kampala.
At least three South Sudanese women have fallen victims of the scam, according to the statement from Embassy.
In the statement received by the Juba Monitor, South Sudanese embassy technical attaché Brig Gen Majier Abdalla Mabior urged South Sudanese nationals living in Kampala to be cautious about all sorts of people they communicate with via social media.
Brig. General Mabior advised South Sudanese women in particular to be more vigilant when they receive clearance-related scam message on social media.
“The work of South Sudan embassy in Uganda is to ensure equal protection for its citizens and their properties,” he said. “The embassy is also warning its citizens in Uganda to be careful when dealing payment of money,” Brig. General Mabior added.
He said police would not do anything when it comes to money transfer because it is always considered as an agreement between sender and receiver. “The Uganda police would not be in position of helping to recover the lost money,” he said.
Simon Duku Michael, South Sudanese ambassador to Uganda also called on all South Sudanese living in Uganda to be careful on social media when communicating with people they were not familiar with their identifies.
Ambassador Michael said those scammers were professionals and urged the citizens to use their common sense when developing contact with anybody.
“These people are more advance and because of their advancement in networking they are very strong in conning people to extort money from foreigners,” he said.
He said the scammers seem to be of different nationals but he did mention the group mainly targets South Sudanese nationals living in Kampala.
The embassy urged citizens to be cautious if someone calls them claiming that they have received their goods being sent from USA, Canada or Australia because the scammers believe that a large number of South Sudanese live in western countries.
Then scammer will ask for clearance fee and they believe that the women would immediately send them the money without hesitation to respond to their statement.

lowercased:
the embassy of south sudan in uganda has warned citizens against a new social media “goods clearance” scam targeting mainly south sudanese nationals living in kampala.
at least three south sudanese women have fallen victims of the scam, according to the statement from embassy.
in the statement received by the juba monitor, south sudanese embassy technical attaché brig gen majier abdalla mabior urged south sudanese nationals living in kampala to be cautious about all sorts of people they communicate with via social media.
brig. general mabior advised south sudanese women in particular to be more vigilant when they receive clearance-related scam message on social media.
“the work of south sudan embassy in uganda is to ensure equal protection for its citizens and their properties,” he said. “the embassy is also warning its citizens in uganda to be careful when dealing payment of money,” brig. general mabior added.
he said police would not do anything when it comes to money transfer because it is always considered as an agreement between sender and receiver. “the uganda police would not be in position of helping to recover the lost money,” he said.
simon duku michael, south sudanese ambassador to uganda also called on all south sudanese living in uganda to be careful on social media when communicating with people they were not familiar with their identifies.
ambassador michael said those scammers were professionals and urged the citizens to use their common sense when developing contact with anybody.
“these people are more advance and because of their advancement in networking they are very strong in conning people to extort money from foreigners,” he said.
he said the scammers seem to be of different nationals but he did mention the group mainly targets south sudanese nationals living in kampala.
the embassy urged citizens to be cautious if someone calls them claiming that they have received their goods being sent from usa, canada or australia because the scammers believe that a large number of south sudanese live in western countries.
then scammer will ask for clearance fee and they believe that the women would immediately send them the money without hesitation to respond to their statement.