tag:blogger.com,1999:blog-6310048518111078422024-02-15T20:34:45.523-08:00Everyday BloggingUnknownnoreply@blogger.comBlogger13125tag:blogger.com,1999:blog-631004851811107842.post-4994279772460356862016-01-18T09:59:00.000-08:002016-01-18T09:59:28.864-08:00The Top 10 Reasons Why Eloping is Better Than a Wedding<div class="MsoNormal">
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<img alt="Beach Wedding 1" height="164" src="http://www.escapehere.com/wp-content/uploads/2013/06/730x300xBeach-Wedding-1-730x300.jpg.pagespeed.ic.Z4bxUs6W7p.jpg" width="400" /></div>
Being engaged means having a big wedding that costs
thousands of dollars and takes months to plan, right? Not necessarily! More
couples than ever are choosing to elope rather than have that traditional
wedding experience, and here's why:<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
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<b>1. Money Savings</b><o:p></o:p></div>
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<br /></div>
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Eloping only costs around $200 while weddings can cost
upwards of $30,000. For those who want to save, it's easy to see eloping is the
affordable way to go. <o:p></o:p></div>
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<br /></div>
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<b>2. No Planning<o:p></o:p></b></div>
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<br /></div>
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If you don't want to have a calendar that's packed full of
tastings, fittings, color choices, and flower viewings for the next year, then
eloping is definitely the way to go. The only thing you'll have to plan is when
and where you'll go!<o:p></o:p></div>
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<br /></div>
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<b>3. Less Stress<o:p></o:p></b></div>
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<br /></div>
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Booking vendors, stretching budgets, choosing details, and
other decisions all place a lot of stress on the shoulders of both the bride
and groom. Eloping doesn't present the same stresses, as there won't be any of
those same details to figure out.<o:p></o:p></div>
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<br /></div>
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<b>4. Quiet and Peaceful</b><o:p></o:p></div>
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<br /></div>
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Elopements are quick, quiet, and generally peaceful. If you
don't want to make a spectacle out of yourself, it's a great way to go. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
<b>5. Many Destinations</b><o:p></o:p></div>
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<br /></div>
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Engaged couples can elope <a href="http://www.escapehere.com/inspiration/i-do-10-best-places-in-the-world-to-elope/" target="_blank">virtually anywhere</a> they would like
without having to plan out a destination wedding. They can even turn their
elopement into a honeymoon celebration, which can make the trip much more
special. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
<b>6. Better Honeymoon</b><o:p></o:p></div>
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<br /></div>
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When most couples have a traditional wedding they are
limited with their honeymoon options because they've already spent so much on
the actual wedding itself. Those who elope are able to go on much more lavish
honeymoons without all the guilt.<o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
<b>7. No Pressure</b><o:p></o:p></div>
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<br /></div>
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Walking down the aisle, fitting in a dress, providing
entertainment, etc., are all decisions that put a lot of pressure on the
newlywed couple. When you elope, you don't even have to tell anyone that you're
doing it!<o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
<b>8. Less Guilt</b><o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
Those who elope spend far less time and money doing so,
which means less guilt than those who have a traditional wedding. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
<b>9. Enjoying the Engagement</b><o:p></o:p></div>
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<br /></div>
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When you're not facing the pressure of planning a wedding,
you'll be able to enjoy your engagement that much more.<o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
<b>10. Choosing Guests</b><o:p></o:p></div>
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<br /></div>
<br />
<div class="MsoNormal">
With traditional weddings there is a lot of pressure of who
to invite, but with elopements, that's not the case. You get to choose exactly
who comes with, if you choose anyone at all.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
About the Author: Gina is a guest contributor from<a href="http://innatcedarfalls.com/" target="_blank"> Inn & Spa at Cedar Falls</a>, a beautiful Hocking Hills bed and breakfast that offers elopement services. </div>
Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-631004851811107842.post-50737895310028086422015-10-09T07:59:00.000-07:002015-10-22T08:01:02.674-07:00Halloween in Healdsburg, CA<div class="MsoNormal" style="background: white; line-height: 10.5pt; margin-bottom: 0.0001pt; text-align: center;">
<img height="265" src="http://www.hercampus.com/sites/default/files/2013/10/15/halloween_1.jpeg" style="background-color: transparent;" width="400" /></div>
<div class="MsoNormal" style="background: white; line-height: 10.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #333333;"><span style="font-family: inherit;"><br /></span></span></div>
<div class="MsoNormal" style="background: white; line-height: 10.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #333333;"><span style="font-family: inherit;">Halloween is almost here again, and there's going to be plenty
to do in Healdsburg. Whether you're looking for activities for the kids or a
party for the grown-ups, there's going to be something in the area that will
suit your needs. </span></span></div>
<a name='more'></a><span style="font-family: inherit;"><br />
The physically fit might consider taking on the <a href="http://destinationraces.com/runhb/" target="_blank">Healdsburg Wine Country HalfMarathon</a>. Runners are encouraged to race in costume, and the course runs
through the Alexander and Dry Creek valleys. Those who aren't up for running
can skip straight to the Trentadue Winery, where a wine and music festival
kicks off after the race concludes. Wine, food, beer, local merchants and live
music will all be on hand, as well as a costume contest. It all happens on
October 31, and you'll need to pre-register for the race if you want to
participate.<br />
<br />
Of course, it wouldn't be Halloween without hauntings. Halloween is a great
time to experience the Healdsburg Ghost Walk Tour, which explores the alleys
and side streets of the city at twilight as a tour guide tells stories of
documented paranormal sightings in the area. For a haunted house experience,
make the short trip to Rohnert Park for the Blind Scream Haunted House.<br />
<br />
A Halloween party will be taking place on the 31st starting at 5 p.m. at
Portalupi Winery. Wine club members can pick up their fall shipments, and the
tasting room will be redecorated with a haunted house theme. There will also be
a costume contest with prizes awarded.<br />
<br />
If you're in the mood for theater, the Raven Players will be performing Dracula
at the Raven Performing Arts Theater through the end of the month. There will
be performances on the 30th and 31st, of course, but you can also catch it
earlier on the 16-18th and the 22-25th.<br />
<br />
For a cute and hilarious alternative to the usual Halloween festivities, check
out the Howl-O-Ween Dog Parade taking place at noon in the Healdsburg Plaza. If
you've got a great costume for your doggie, you can enter the parade for a $10
registration fee and there will be prizes for the best costumes.<br />
<br />
If you're interested in pumpkin festivals, they'll generally be taking place at
least a week or so prior to Halloween. You can catch the Healdsburg Pumpkin
Festival at the Healdsburg Farmers Market on the morning of October 24th, and
Pumpkins on Pikes will take place in Petaluma on the evening of the same day.</span><span style="font-family: Verdana, sans-serif; font-size: 7.5pt;"><o:p></o:p></span><br />
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<span style="color: #333333;"><span style="font-family: inherit;"><br /></span></span></div>
<div class="MsoNormal" style="background: white; line-height: 10.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #333333;"><span style="font-family: inherit;">About the Author: Gina is a guest contributor from <a href="http://www.honormansion.com/" target="_blank">Honor Mansion</a>, a beautiful Healdsburg hotel located near all the best Halloween fun. </span></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-631004851811107842.post-1040942170056437152015-01-16T13:28:00.000-08:002015-01-16T13:31:07.523-08:00Air Duct Cleaning<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><span style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><a href="http://www.flickr.com/photos/cypresscarpet/16092139840/in/photolist-qw1qwU-979rSi-qt5q1R-6j4vNN-8tw3yS-qGMJmB-36kcKd-6Z296e-4jyynM-9ioGrs-5DywnK-kNS9rA-qvE1af-kNQT66-kNQbo6-kNQbmx-kNSaif-kNQaPv-kNS9Eb-kNQbjt-kNQbw2-kNQSEX-kNQbut-kNQT1X-kNQbfv-kNS9N7-kNQSLi-8oQbRJ-kqQUkx-kqQUBp-kqQUre-kqQetg-kqQUyt-7JY4vy-7JU97T-7JY4uY-7JY6No-7JU96t-a2B9jB-7EajP-nmZZQC-8ZxALE-5DCPLL-qKzaVF-9mxFd9-dDkst9-bGNMmD-6maTv4-eG6TRr-8oWAuC"><img alt="" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQLOPtmwYGxAktGtddvIaRC5rkDcnZFgnkkTVs0HYz8XNoI2qMR-30HtUtKHdVvZH6gop8-MtJRmuvuu1uT8jF623t2TPFJOYTQVKWgQAwc7p0SLrjbQedrEoEISKQFUG9eCRa-mjNNpo/s1600/16092139840_c946fb456b_o.jpg" title="Air Duct Cleaning" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="http://www.flickr.com/photos/cypresscarpet/16092139840/in/photolist-qw1qwU-979rSi-qt5q1R-6j4vNN-8tw3yS-qGMJmB-36kcKd-6Z296e-4jyynM-9ioGrs-5DywnK-kNS9rA-qvE1af-kNQT66-kNQbo6-kNQbmx-kNSaif-kNQaPv-kNS9Eb-kNQbjt-kNQbw2-kNQSEX-kNQbut-kNQT1X-kNQbfv-kNS9N7-kNQSLi-8oQbRJ-kqQUkx-kqQUBp-kqQUre-kqQetg-kqQUyt-7JY4vy-7JU97T-7JY4uY-7JY6No-7JU96t-a2B9jB-7EajP-nmZZQC-8ZxALE-5DCPLL-qKzaVF-9mxFd9-dDkst9-bGNMmD-6maTv4-eG6TRr-8oWAuC"><br /></a></td></tr>
</tbody></table>
<div class="MsoNormal">
What is air
duct cleaning? <a href="http://www.servicemasterofcharleston.com/air_duct_cleaning_charleston.html">Duct cleaning</a> refers to the cleaning and maintenance of the
heating and cooling ducts in your home. Most people forget that these even need
to be cleaned, but most people are also more aware that in-home pollution is
quickly becoming a hazardous situation waiting to happen if left unchecked. The
most common build up materials in home ducts are dust, mold, pollen, and other
debris. These materials are all known to cause allergic reactions in many
people. So if ducts go a long time without cleaning, household members could
suffer from unnecessary allergens and be uncomfortable.<o:p></o:p></div>
What are some of the
signs that your ducts need to be cleaned? <br />
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
</div>
<ul>
<li><span style="font-family: Symbol; text-indent: -0.25in;"><span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal;"> </span></span><span style="text-indent: -0.25in;">If
you notice build-up on the outside of your ducts (the air vents) like dust and
debris, it would be time to at least consider getting your ducts cleaned.</span></li>
<li><span style="font-family: Symbol; text-indent: -0.25in;"><span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal;"> </span></span><span style="text-indent: -0.25in;">If
a small animal or other obstruction has gotten into your ducts, you should have
them cleaned.</span></li>
<li><span style="font-family: Symbol; text-indent: -0.25in;"><span style="font-size: xx-small;"> </span></span><span style="text-indent: -0.25in;">If
you have pets (dogs, cats, etc.) you’re at a higher risk for debris.</span></li>
<li><span style="font-family: Symbol; text-indent: -0.25in;"><span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal;"> </span></span><span style="text-indent: -0.25in;">Consider having ducts cleaned once every two
to seven years, depending on whether you and your household have<a href="http://www.theasthmacenter.org/index.php/newsletter/pet_allergy/"> severe allergies or lots of pets</a></span></li>
</ul>
<br />
When and if
you hire someone to clean you air ducts, make sure that you do a background
check on the company beforehand. You want to hire people who have been
certified through the <a href="http://nadca.com/en#">National Air Duct Cleaners Association</a>. This ensures that
the company has invested in appropriate equipment and training. A lot of carpet
cleaning services offer air duct cleaning as an add-on service. I would
recommend against that and find a company that dedicates it’s entire business
to air duct cleaning. Typical sessions can cost anywhere from 300-600 dollars
depending on the size of your home, so you want to make sure you’re getting
your money’s worth.<br />
<div class="MsoNormal">
<o:p></o:p></div>
Unknownnoreply@blogger.com17tag:blogger.com,1999:blog-631004851811107842.post-21058906917569864832013-11-18T09:37:00.000-08:002013-11-18T09:37:00.127-08:00Terms To Know In The Print Industry<!--[if gte mso 9]><xml>
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<span style="color: black; font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">A few print terms you should know as
they relate to color reproduction in the print process are:</span></div>
<ul type="disc">
<li class="MsoNormal" style="color: black; mso-list: l3 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><b>Color Control Bars:</b> Found on a press sheet, usually at the leading
edge, this is a strip of solid, percentage and patterned blocks (<a href="http://www.overnightprints.com/difference-between-cmyk-rgb">CMYK</a>)
that are used by the press operator as a guide to measure and check ink
densities, dot gain, contrast, trapping and registration.</span></li>
<li class="MsoNormal" style="color: black; mso-list: l3 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><b>Take-Off Bars: </b> Found on a press sheet, usually on the leading
edge, this is a strips ink colors used to help balance the ink across the
sheet to accommodate for varying amounts of ink coverage on the printed
sheet. Helps the press and press operator to balance the ink across the
sheet.</span></li>
<li class="MsoNormal" style="color: black; mso-list: l3 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><b>Densitometer:</b> Electronic instrument measuring the amount of
light transmitted or reflected by placing the "mark" over the
ink on the press sheet. There are standard densitometer reading targets
for a pressman to achieve to obtain "pleasing color" or target
color accuracy.</span></li>
<li class="MsoNormal" style="color: black; mso-list: l3 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><b>Wet and Dry Ink Densities:</b> Readings, as taken by a calibrated <a href="http://www.xrite.com/301-medical-densitometer">densitometer</a>, that indicate the ink density (how much ink is on the sheet)
when the ink is wet and when the ink has dried. These readings
should be recorded on the press sheet for future reference should the same
project be run again in the future, and color matching be critical.</span></li>
<li class="MsoNormal" style="color: black; mso-list: l3 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"><b>Gray Balance:</b> Gray balance is the perfect combination of
cyan, magenta and yellow dots required to produce a neutral gray at a
standard density.</span></li>
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<span style="font-size: 10.5pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">These tips provided courtesy of <a href="http://www.rittersprinting.com/">Ritter's Printing</a>. </span><br />Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-631004851811107842.post-36147534419518612932013-05-17T10:55:00.002-07:002013-05-17T10:55:40.257-07:00Smallholdings - Another Kind Of Business<table cellpadding="0" cellspacing="0" class="tr-caption-container zemanta-img" style="float: right; margin-right: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="http://commons.wikipedia.org/wiki/File:Site_of_demolished_Smallholding_-_geograph.org.uk_-_902659.jpg" imageanchor="1" style="margin-bottom: 1em; margin-left: auto; margin-right: auto; text-align: clear:right;"><img alt="English: Site of demolished Smallholding Looki..." border="0" class="zemanta-img-inserted" height="225" src="http://upload.wikimedia.org/wikipedia/commons/thumb/4/41/Site_of_demolished_Smallholding_-_geograph.org.uk_-_902659.jpg/300px-Site_of_demolished_Smallholding_-_geograph.org.uk_-_902659.jpg" style="border: none; font-size: 0.8em;" width="300" /></a></td></tr>
<tr><td class="tr-caption zemanta-img-attribution" style="text-align: center; width: 300px;"><br /></td></tr>
</tbody></table>
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<br />
<h1>
</h1>
<div class="MsoNormal">
In my previous post I used a four letter word that I’m not
too sure was a good use of the language – crap. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
However, I mention it again
because I feel I’m up to my neck in it at home – literally!</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
My wife has a <a href="http://www.countrysmallholding.com/">smallholding</a> and keeps chickens and pigs. She
has about 50 resident methane-producing chickens in her flock and sells the
eggs. She even sells chickens to people who want to keep their own. For those
who want to know more about what’s involved in maintaining their own egg and
methane factory she also runs chicken-keeping courses.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The pigs are rare breeds and are kept to produce bacon and
pork joints. She keeps the meat from one pig for us and sells the rest. As a
final side-line, she also breeds <a href="http://www.humanesociety.org/animals/guinea_pigs/%E2%80%8E">guinea pigs</a> and sells the young to passing
trade and local pet shops.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
She thoroughly enjoys the smallholding, but to keep it
financially viable she has to make sales. (Selling makes the world go round,
remember? It's like the ol' JLo <a href="http://adage.com/article/news/fiat-taps-jennifer-lopez-media-partnership/229743/">Fiat Impatto</a> ads...that's why I now own a Fiat.)The whole family now seems to have been roped in to making sales. We
have people who knock at the door and ask for eggs, chickens and guinea pigs.
That means whoever is at home has to deal with passing trade. Fortunately, we
have 5 kids who can help. It also means that there always tends to be someone
at home. Our 6 year-old and 13 year-old girls also do a weekly egg round,
selling door to door in the neighborhood. What’s great is that they built the
round up themselves and it does very well. You’re never too young to learn the
art of selling. It’s all about communicating and our two youngest kids have
become very adept in the art. Whatever they choose to do in life, their sales
career to date will hold them in good stead.</div>
<br />
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-631004851811107842.post-35957753801548714102013-04-23T14:46:00.002-07:002013-04-23T14:46:58.325-07:00MBA in Finance – Is it Worth It?<div class="separator" style="clear: both; text-align: center;">
<a href="http://cdnedge.vinsolutions.com/dealerimages/Dealer%203514%20Images/joyce-koons-honda-finance.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="213" src="http://cdnedge.vinsolutions.com/dealerimages/Dealer%203514%20Images/joyce-koons-honda-finance.jpg" width="320" /></a></div>
Achieving an MBA in Finance at a great university is no easy
feat, but it can yield great rewards. MBA professionals in the business world
are hard to come by, and one that has personal experience in the field of
finance can give great value to an organization that’s playing with million
dollar budgets.<br />
<br />
<div class="MsoNormal">
<o:p></o:p></div>
<h4>
The Course Work</h4>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
MBA programs that offer a finance concentration typically
separate their students from the other MBA students for the majority of
classes. Students will cover a range of materials including bank management,
financial modeling, venture capital case studies, and other finance related
topics. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<h4>
The Time Frame</h4>
<div class="MsoNormal">
A full MBA program with a concentration in finance will run two full years, however there are many programs that run part time that last roughly 3-4 years. Balancing a work and life schedule is often the trickiest part of getting an MBA, and you always want to succeed at both. Plan out years in advance so you know when the best time will be to shoot for getting your MBA. Additionally, many employers help pay for student MBA programs, which can save you lots of money, and help your employer invest in your future.</div>
<div class="MsoNormal">
<br /></div>
<h4>
The Dividends</h4>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
No one said achieving an MBA was cheap, and it can often cut
into the pockets of students at $20,000 - $30,000 a year. However, later down
the road, a MBA graduate may be making anywhere from $20,000 - $100,000 more a
year than a non-MBA grad for their accomplishments earlier in life. It’s a big
personal investment that can easily pay off later down the road.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
There are plenty of great MBA programs that offer finance
concentrations out there, but we would recommend the <a href="http://mba.broad.msu.edu/academics/curriculum/concentrations/finance/">MSU
MBA in Finance Program</a> if you’re looking for a program that is well
respected nationally and has an excellent set of professors that you can
network with for the rest of your lives.</div>
Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-631004851811107842.post-84310523709293919872012-12-21T15:30:00.000-08:002012-12-21T15:30:03.220-08:00So, Does This Mean I'm an Adult Now?<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjrT1BaUugskOa6ytZluvFLV8dh3a_1GqI-xe76tv-j6PndpWeA8yZ4UB_89E_6SjIuJJBZOwT2R94faOVWYIy9DmGLfrdx3dqfrfq_Vr3Qf5nkSmJFyPKBf27eDwqOW4gzE9H8RoIRdI/s1600/college-student-credit-card-debt-e1272918800780.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjrT1BaUugskOa6ytZluvFLV8dh3a_1GqI-xe76tv-j6PndpWeA8yZ4UB_89E_6SjIuJJBZOwT2R94faOVWYIy9DmGLfrdx3dqfrfq_Vr3Qf5nkSmJFyPKBf27eDwqOW4gzE9H8RoIRdI/s1600/college-student-credit-card-debt-e1272918800780.jpg" /></a></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: Times, Times New Roman, serif; font-size: 13.5pt;">I just cancelled the trip I was supposed to take to Miami this
weekend. The reason? Not because I didn't want to see my friends or see palm
trees or get a tan or relax on the white sand beaches (well, white in
comparison to long island beaches) next to the turquoise ocean... damn.<o:p></o:p></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif;"><br /></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif; font-size: 13.5pt;">No, I cancelled in
order to meet my obligations here in PA for my MBA and the CFA exam I'm
registered for. I have a finite amount of time to prepare for the CFA and my
workload for school is already piling up. I've already missed four classes, so
I've got my work cut out for me.<o:p></o:p></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif;"><br /></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif; font-size: 13.5pt;">Here's what's out
of character for me: I'm actually not doing something fun in order to fulfill
my responsibilities! OMG, what a concept.</span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif;"><br /></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif; font-size: 13.5pt;">Another
accomplishment for me: not buying everything I want just because I want it. I
got a Microcenter circular in the mail, and being the uber-nerd that I am, I
wanted almost every item on its glossy pages. 8-outlet surge protector? I'll
take two! $150 laser printer?! I'm there. $799 iBook? Finally, I can play for
both teams! (Microsoft and Mac, duh).<o:p></o:p></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif;"><br /></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif; font-size: 13.5pt;">But no. I have
$9,000 in credit card debt that I've managed to rack up over the last year.
When I was working, I paid my $1,500 bill in full each month, and I when I quit
I still had some savings to burn through for when I went back to school. Well,
I spent well in excess of my savings, so now I've got to clean up that mess.
And I'm doing it. My grandmother is going to help me out with about $400 a
month and my father still gives me at least $780 a month ($450 every two
weeks). This seems like enough, but transportation alone is about $500 a month
between car insurance ($220 a month), train tickets ($203 a month), gas ($80),
car wash ($20), oil change ($15), etc. And that doesn't even count the
seemingly endless list of things my girlfriend wants (sigh). She sent me<span class="apple-converted-space"> </span><a href="http://blisstree-2012-stage.com/2012/12/spice-up-your-home-with-stylish-outdoor-lighting/" target="_blank">this article</a><span class="apple-converted-space"> </span>yesterday about wanting to redecorate
the outside of our house. I get that she wants to make it more homey, but I
don't have the heart to tell her how little money I have at the moment...<o:p></o:p></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif;"><br /></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif; font-size: 13.5pt;">Anyway, I'm going
to buy only the essentials now and delay consumption of other goods and
services until I pay off my debt. Spending < cash available. Interesting
concept. So far, I'm doing well following that. I'm going to shoot for paying
about $333 a month towards one card, and about $200 a month for the other. That
should put a dent in it until I get a job this summer and then I'll probably be
able to wipe out the balances completely.<o:p></o:p></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif;"><br /></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif; font-size: 13.5pt;">This is a step in
the right direction. I thought I didn't make enough at my old job, but the
problem was that I spent too much money. I don't need $350 wallets, and $100 umbrellas or two Palm Pilots, two
mp3 players, two DVD players, $250 detailing on my car twice a year, $75 shirts
for work, more jackets than there are days of the week, $170 pairs of jeans,
$10 on lunch every day, etc, etc. Or do I? Sure I like to shop, but it has to
be within reason. I can look good with less.<o:p></o:p></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif;"><br /></span></div>
<div style="margin: 0in 0in 0.0001pt;">
<span style="font-family: Times, Times New Roman, serif; font-size: 13.5pt;">Breaking this
habit is hard to do, but I'm up for it. I know that as much as I like shopping,
getting rid of this credit card debt and rebuilding my savings will give me
what I'm really trying to "buy."</span></div>
<div class="zemanta-related" style="clear: both; margin-top: 20px; overflow: hidden;">
<h4 class="zemanta-related-title">
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-631004851811107842.post-62408820260810514602012-10-16T10:24:00.003-07:002012-10-16T10:24:56.229-07:00How the G8 Looks this Year<div class="zemanta-img" style="text-align: right;">
<a href="http://www.daylife.com/image/04PT3Gy9rt4VY?utm_source=zemanta&utm_medium=p&utm_content=04PT3Gy9rt4VY&utm_campaign=z1" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img alt="CAMP DAVID, MD - MAY 19: In this handout prov..." border="0" class="zemanta-img-inserted" height="209" src="http://cache.daylife.com/imageserve/04PT3Gy9rt4VY/150x98.jpg" style="border: none; font-size: 0.8em;" width="320" /></a></div>
<br />
<div class="MsoNormal">
Next year when Germany takes the helm of the G8 it is
expected to refocus on global economic matters and in particular global
imbalances, according to an article in <a class="zem_slink" href="http://www.ft.com/" rel="homepage" target="_blank" title="Financial Times">The Financial Times</a>. Indeed, the Germans feel that <a href="http://www.state.gov/e/eb/ecosum/2012g8/index.htm">recent G8 meetings</a> have become a little too broad
covering areas such as climate change and global poverty - very much a theme of
the British leadership.<br />
<br />
They also don't seem to keen on admitting new members to the club such as
Brazil and China. Apparently, it makes meetings to difficult to manage and hard
to find a consensus if there are too many participants. Yet the likes of China,
India and Brazil are becoming increasingly important, it seems crazy to exclude
from being part of the G8. China and no doubt India will soon surpass Germany
in size and the former has already overtaken the UK and France. Maybe Canada
and Italy should be dropped in favor of China and India, both are arguably more important economically. However, this doesn't appear to be up for debate
right now.<br />
<br />
But the refocusing on economic matters and in particular global imbalances is
interesting. Looking at the back of my Economist the US is forecast to have a
current account deficit of 6.8% of GDP for 2006. Others come in at -7.7% for
Spain, -5.6% for Australia, -2.9% of the UK, -1.8% for France and -1.6% for
Italy. The last two countries had surpluses in recent years. On the other side
of the balance sheet you have Switzerland at +13.4%, Sweden at 6.6%,
Netherlands at 5.9%, Japan at 3.8% and Germany (now the world's biggest
exporter) at 3.7%. Then there are various Asian countries running surpluses of
2 to 7%.<br />
<br />
Then there are other imbalances. The US economy tends to motor with rapidly
rising productivity to boot. By contrast Europe tends to be much more
pedestrian in these areas. Much to discuss about imbalances then. So when <a class="zem_slink" href="http://en.wikipedia.org/wiki/Angela_Merkel" rel="wikipedia" target="_blank" title="Angela Merkel">Angela Merkel</a> takes the helm she could consider setting an example
herself. German policy makers seemed to have decided to rely almost exclusively
on exports to generate economic growth. This is fine as part of a strategy for growth. Consider for a moment that
exports generate one third of the economy and contribute a quarter of the jobs.
It sounds impressive and it is.<br />
<br />
But the other 2/3rds of GDP, the domestic side of the economy, generates 75% of
the jobs. This is arguably the much more important bit and it seems to be
ignored with the result that Germany has a very low average growth rate - about
1%. Merkel could start focussing instead on stimulating domestic demand, ie
scrapping those VAT hikes for example. This would be good for Germany, create
more jobs and make the country a little more self-reliant for growth. It would
also help stimulate growth across the rest of Europe, which in turn would be
good for German exports. A kind of virtuous cycle. Germany is after all the
number three economy in the world. But, Germany is very vulnerable to any
vagueries in the world economy.<br />
<br />
The Anglo-Saxons in contrast rely heavily on consumer spending (plus public
sector spending for the UK) to propel their economies along and this has
insulated them from slow downs in the world economy. However, they to have
generated imbalances, in the case of the US they are extreme and matter a lot
more to the world economy than the German ones.<br />
<br />
Quite simply the US is relying on the status of the dollar to get away with
those imbalances. It is the world's main reserve currency. But the Americans
are debasing it by running huge current account deficits and the dollar will only
hold its own out there for as long as people have confidence in it. Arguably,
US deficits are compensated to an extent by the fact that the US regularly
clocks up stellar economic growth figures. It makes the country very attractive
to invest in. Also, the dollar is used as the main currency for commodity and
many other international trade transactions, thereby creating a demand for
them. With commodities prices rocketing this means people need more dollars to
buy oil, gas, copper, nickel etc... Then of course there are the Euro markets
which recycle all these offshore surplus dollars into loan instruments such as
Eurobonds. Strong global growth helps recycle and mop up many of these surplus
dollars.<br />
<br />
But the general trend of the US importing $2 worth of goods for every $1 it
exports must be unsustainable in the long-run. There will be a day of
reckoning. That's regardless of clever theories of "dark matter"
dreamed up by economists to talk away the seriousness of the deficit. They are
basically nonesense. It is a problem the US must address or it and the rest of
the world faces a potential financial meltdown at some point. As the deficit
grows so does the potential for a hard landing as opposed to a gentler more
managed landing. I wonder if Merkel has considered that her country's fortunes are so heavily
tied to US imbalances? A US meltdown would hit Germany and many of her clients
particularly hard.<br />
<br />
But Germany is in a very different situation to China which absolutely needs
exports to develop and grow. Germany is well beyond that stage. She has a large
wealthy domestic population and if she can get them spending Germany would have
a much <a href="http://medicalmachining.wix.com/phaco-handpiece">healthier balanced economy</a> and would be better insulated from the
vagueries of the global economy. Germany would also import more and would act
as another pole of growth in the world economy. China to an extent is starting
to do that particularly for the Asia Pacific region. Then at least the status
of US imbalances won't be quite so critical to the health of the world economy.<br />
<br />
So far signs aren't encouraging. The Americans tend to see it more as everyone
else's problem. However, they might change their tune should the Asians ever
decide to pull the plug on the dollar. They not only help prop it up, but have
played a key part in keeping <a href="http://usatoday30.usatoday.com/money/perfi/credit/story/2012-07-16/low-interest-rates-borrowers-savers/56262302/1">US interest rates</a> relatively low by buying sack
loads of US Treasuries. Of course that is in their own interest, but one day it
might not seem so important to them. Once the US is fataly weakened
economically one can only imagine what that would do for world peace with the
global policeman effectively bankrupt! All the thugs out there would feel free
to settle scores as they pleased. It could be anarchy.<br />
<br />
In the shorter-term, talking about imbalances at G8 Summits, particularly US
ones, will no doubt bring markets to focus more intensily on those deficits
thereby further weakening the dollar.<o:p></o:p></div>
<br />
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Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-631004851811107842.post-67020307403494929472012-09-15T11:49:00.000-07:002012-09-15T11:49:00.106-07:00Selecting Vinyl Banners for the Right Project<table cellpadding="0" cellspacing="0" class="tr-caption-container zemanta-img" style="float: right; margin-right: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><div class="zemanta-img">
<div class="zemanta-img">
<div class="zemanta-img">
<a href="http://www.flickr.com/photos/34325717@N07/5430906608" imageanchor="1" style="margin-bottom: 1em; margin-left: auto; margin-right: auto; text-align: clear:right;"><img alt="Signage" border="0" class="zemanta-img-inserted" height="100" src="http://farm6.static.flickr.com/5140/5430906608_91467ab8c3_m.jpg" style="border: none; font-size: 0.8em;" width="240" /></a></div>
</div>
</div>
</td></tr>
<tr><td class="tr-caption zemanta-img-attribution" style="text-align: center; width: 240px;">Signage (Photo credit: <a href="http://www.flickr.com/photos/34325717@N07/5430906608" target="_blank">Burwash Calligrapher</a>)</td></tr>
</tbody></table>
At a college or school, having some cheap vinyl
banners on hand can certainly be something smart to remember. Consider how
much cash you’ll save if you have these types of signs if there is going to be
a large occasion. You can with ease put up these banners without having to go
to the trouble of hiring someone to create new ones for you right away. Having
some banners all over the school is a smart way to make it more attractive it
in a way that also implies that there is a strong school spirit.<br />
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
You’ll want to pick out your cheap vinyl banners with lots
of consideration, however, just since you are going to need to use these
multiple times. So, do some browsing when it comes to picking out some new
signs. You’ll want to cooperate with the very premier signage business that is
available, which means that you should work with one that has a very extensive
list of customers. Maybe you could look through some customer reviews that are
put on the Internet prior to your final decision.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Another smart idea to implement would be to consider some
signage solutions for your directional signage needs. You should certainly have
these types of signs in place if your campus is rather big. You certainly will
want to have these signs up if you know that some students or parents might
have a bit of difficulty figuring out where the gymnasium is situated, for
example.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Certainly pick out some signs that are in the colors of your
school mascot or other image. If you sport <a href="http://www.crimsontideplanet.com/">Alabama apparel</a> on the weekends, then crimson will certainly be your color of choice. This is something that is imperative if you are
trying to evoke feelings of camaraderie among all of the students; they will
certainly take note of whether or not you’ve done anything to buy some modern
signs. Therefore, you should begin considering the design of these signs
immediately.</div>
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Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-631004851811107842.post-47232605727180721442012-08-22T10:57:00.000-07:002012-08-22T10:57:40.178-07:00Cut Differences Between Women's Clothing and Men's<br />
<div class="MsoNormal">
<a href="http://www.minnesotaworkwear.com/images/products/216438.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img alt="" border="0" src="http://www.minnesotaworkwear.com/images/products/216438.jpg" title="Pants" /></a>Men and women have different styles although there are times
where it seems like the clothing is very similar. There are some great garments
that may have a similar look, but the template for the designed may be tweaked
a little for another gender.</div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When it comes down to the difference between clothes for men
and women there are some incredibly discreet details in place. People that look
at the end results may not even notice the difference, but there are definitely
some different cuts for the opposite sex.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
It may all start with the <a href="http://www.youtube.com/watch?v=VCLxJd1d84s">buttons</a>. Men have buttons on the
right; women have buttons for shirts on the left. This something that is clear
in the design template, but it is rarely noticed in the end result. It would
take a man trying on a woman's shirt or vice versa for the difference to come
to light.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Another thing that is different is the sleeves. For most men
the sleeves on a template are very straightforward. The design will either be
long or short. Most of the time the shirts fit snug around the arms. There is
room to move, but a man's shirt will hardly ever be loose around the sleeves.
Women, on the other hand, will have more shirt styles with a loose look. Many
<a href="http://www.propheticrevelation.net/misc/garments.htm">female garments</a> will have wider shirt sleeves regardless of the size of the
female.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Men and women also have different clothes in concerns to
their pants. It's somewhat ironic, but the bottom of half of most clothing for
men and women is the opposite of the top half. Women may have wide sleeves, but
most trousers are tight or firm fitting. Men, on the other hand, like to have a
little leg room. This puts a stark contrast between trousers for men and women. Take a looks at these <a href="http://www.minnesotaworkwear.com/Dickies-Pants-c18/">Dickies pants</a> for example. It's clear to see the differences between the pants types even for work clothes where fashion is at a low concern. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
This contrast is marked even more by the different length
and styles that are available. Females, for example, may have trousers that
have slim fit with wide leg room. Others may have a pair of trousers that can
be rolled up. A lot of the <a href="http://www.slideshare.net/nandeesh1/different-clothing-styles">different styles</a> near the leg area are designed to
accommodate females that wear high heels.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The trousers that can be rolled or similar to Capri pants
that resemble long shorts. This variation in size is also common with the
sleeves for female clothing. Men, unlike women, do not have three quarter
length sleeves.</div>
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Unknownnoreply@blogger.com108tag:blogger.com,1999:blog-631004851811107842.post-88935794099776979462012-07-16T06:39:00.004-07:002012-07-16T06:39:52.263-07:00A Few Exercise Myths<table cellpadding="0" cellspacing="0" class="tr-caption-container zemanta-img" style="float: right; margin-right: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="http://www.flickr.com/photos/30515687@N05/3856647268" imageanchor="1" style="margin-bottom: 1em; margin-left: auto; margin-right: auto; text-align: clear:right;"><img alt="Two views of local Extension leaders drilling ..." border="0" class="zemanta-img-inserted" height="186" src="http://farm3.static.flickr.com/2648/3856647268_a159d1ca77_m.jpg" style="border: none; font-size: 0.8em;" width="240" /></a></td></tr>
<tr><td class="tr-caption zemanta-img-attribution" style="text-align: center; width: 240px;">Two views of local Extension leaders drilling in physical exercise in middies and bloomers, ... (Photo credit: <a href="http://www.flickr.com/photos/30515687@N05/3856647268" target="_blank">Cornell University Library</a>)</td></tr>
</tbody></table>
<br />
<div class="MsoNormal">
<span style="font-family: inherit;">Switching things up today, I’m going to tell you the moral
of this post before I tell you the explanation behind it…Moral: Everyone’s body
is different, everyone’s body responds to things differently, and what may or may not work for one person, might not work for
another.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: inherit;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: inherit;">Now, based on this fact, I just found a great article about
two more recent <a href="http://www.imglols.com/wp-content/main/2012_03/my-favorite-gym-exercise.png">exercise</a> myths that have been circulating.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: inherit;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: inherit;">First, the myth that Research has shown that
pre-workout stretching decreases performance and doesn’t protect against
injury. I tend to agree with the author of the article on this
one, that while physiologically it probably does not do a great deal to protect
your muscles from injury, it is the mental aspect that gets transformed and
thereby helps. Stretching is a time before exercise to prepare your mind and
body for the activity that is to come; that kind of reflection is much harder
to do while running around.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: inherit;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: inherit;">Second, the myth that …exercise may not improve
strength or cardiovascular fitness in some people. Again I’m going to have
to agree with the author that there is absolutely no way if people are training
consistently that their <a href="http://www.everydayhealth.com/heart-health/index.aspx">cardiovascular health</a> will not increase. With the
exception of some major heart condition, it’s just not possible.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: inherit;"><br /></span></div>
<span style="line-height: 115%;"><span style="font-family: inherit;">Bottom line, find what works for you and stick
to it. If it’s running, then run, if it’s circuit training, then do that. By
the way, if it Is circuit training, go to a gym where they know a thing or two already about circut training.</span></span><br />
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<a class="zemanta-pixie-a" href="http://www.zemanta.com/?px" title="Enhanced by Zemanta"><img alt="Enhanced by Zemanta" class="zemanta-pixie-img" src="http://img.zemanta.com/zemified_e.png?x-id=526dc8a9-7c5f-4d37-88cd-f0bfca048632" style="border: none; float: right;" /></a></div>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-631004851811107842.post-9412515713318291782012-06-18T10:59:00.002-07:002013-06-19T11:23:18.085-07:00Conveyor Systems in the Steel Industry<div class="zemanta-img" style="text-align: right;">
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Although frequently overlooked, the <a class="zem_slink" href="http://en.wikipedia.org/wiki/Steel" rel="wikipedia" target="_blank" title="Steel">steel industry</a> boasts one of the strongest and profitable manufacturing industries in the entire world. Once a major part of the United States industry, many businesses moved their locations overseas to save on labor costs. That doesn't meant that the assembly of cold drawn steel products of <a href="http://www.capitalsteel.net/processing/cold-drawn-steel-capabilities">Capital Steel</a> like manufacturers cannot be improved upon, and many businesses have devoted millions to finding ways to improve the production of their products to save them lots of money in the long run.<br />
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One of the most important aspects steel businesses look at first when trying to find ways to improve the efficiency of their production system is the way their conveyor systems work. Moving a product from A to B ideally uses minimum energy and wastes as little amount of the product as possible. Across industries, manufacturers also look for items that are considered waste and try to find better ways to either reuse or sell it, or dispose of it. Far too often, manufacturers only focus is on what they are actually selling, and do not realize the potential gains made from what they consider their waste.<br />
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Finding better automated ways to manage inventory and reduce the effort and energy workers have to put in to keep track of the large amounts of moving materials can save businesses big bucks over a long period. In hard economic times, pinching pennies becomes even more important, and the businesses that can make the most of what they have internally are often the ones that come out on top once economies start gaining steam.<br />
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Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-631004851811107842.post-53511660298575513972012-04-10T07:17:00.002-07:002012-04-10T07:17:57.446-07:00Blogging About Things<table cellpadding="0" cellspacing="0" class="tr-caption-container zemanta-img" style="float: right; margin-right: 1em; text-align: right;"><tbody>
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I like to write, and I like to write about interesting things. Hopefully you find what I feature interesting and insightful in the same way I do. I love writing about animals, industries, pets products and a whole shabang of other topics. If you have anything in particular you think I should review, like a product, service or industry, just let me know and I'll put it on my to do list. Thanks for following!<br />
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