Thursday, January 6, 2011

personal finance and budgeting




How to Create (and Stick to) a Realistic Budget with Mint





We'd all like to be more responsible with our money, but budgeting can take a lot of work. Here's how to create an easy, realistic budget and keep to it without pulling your hair out.

We all have our financial vices, whether we're spending too much on brain-altering coffee, eating out too often, or running wild with the credit card at the mall. This year, make a resolution to keep your budget better by using Mint, a free personal finance webapp that makes budgeting extremely easy. It automatically tracks what you spend, categorizes it, and helps you create realistic budgets. You can even track your financial goals and keep up with your money on-the-go. Here, we'll show you some of the basics of how Mint works, as well as how to use its features to create realistic budgets and stick to them.


How Mint Automatically Tracks What You Spend


Once you've signed up for Mint and linked Mint to your various financial accounts (bank accounts, checking accounts, credit cards, investments, etc.—their wizard will walk you through this surprisingly painless process), you'll be able to view your spending history much like you could at your respective bank's web site. Any time you use your credit or debit card, Mint adds that purchase to its log, so you can see what you're spending (and where) over time.



However, Mint does far more than that. For each purchase, it also automatically categorizes it, so you can see in a more general sense where your money is going. For example, it recognizes shopping at Whole Foods or Meijer as "Groceries", while categorizing iTunes as "Music". Most of the time you won't need to do manually add any categories yourself—Mint does it all for you. Of course, in the (rare) event Mint gets something wrong, or you want to file certain purchases into a different category than the default, you can simply click on the category and change it yourself.



Using those categories, Mint can help you build and manage your budget, accessible from the Budgets tab. When you first start, Mint will have created a few starter budgets for you based off common categories, like "Groceries" and "Restaurants". You can edit these budgets by clicking on them, raising or lowering the monthly budget, allowing it to roll over to the next month (which is good for, say, gas—if you spent less this month because of how the weeks fell, you can let it roll over to the next month). You can also set a budget to track you by a time period other than monthly, if you prefer.


Get Started with Budgets


Anyone who's tried setting up a budget without taking a hard look at what they already spend each month knows that it's easy to derail from what you've planned, because it's easy to budget far too little. Mint makes it easy to tweak your budgets in either direction by providing you with a realistic view of your current spending habits. By examining what you actually spend, you can get a better idea of what expenses are fixed, what you can do without, and refine your budget accordingly—or at least better than if you were making it up off the top of your head, based on what you think you should be spending.



If you head to the Trends tab, you can view graphs of your spending from this month, the last month, this year, or all time. A simple pie graph is a pretty simple way to see where your income is going. If you find that, say, Food & Dining takes up a significant chunk of your budget (more than it should, maybe), you can click on it to view a pie graph of just that category, where it'll show you how much of your Food budget you spent on, say, groceries and how much you spent on eating out.


With such a simple overview, it's really easy to see where you can start trimming fat from your spending. If you find that you're spending a lot on coffee shops, you can go back to the Budgets tab and add a custom budget for Coffee Shops to keep you in check.


Review Your Budget Regularly


Of course, this doesn't do you much good if you don't visit Mint often. The best way to keep up with your budget is to set aside some time, once a week or so, to review your budget. Half of this is going to be fiddling with Mint, and the other half is going to be reassessing how much you have left to spend next week (or for the rest of the month, year, etc.)


Add Cash Transactions to Your Log


While Mint automatically adds every transaction from your credit and debit cards, it has no way of knowing how you spend your cash, so unless you add those transactions in manually, your budget will be a little off-balance. I find the best way to keep track of it all is to get a receipt every time I spend cash, keep it in my wallet, and then pull them all out during budget review time and log them in Mint.



To do so, just hit the "Add a Transaction" button on the Transactions tab. You can add a description of where you spent it, pick a category for it, and even deduct it automatically from your last ATM withdrawal (so your total balance stays the same). Obviously, though, if you got the cash from somewhere other than the ATM (like if it was a gift, or if you owned all your friends in a game of Texas Hold 'Em), you'll want to uncheck that box.


Tweak Categories and Split Transactions


Mint is great at splitting your transactions up into categories, but it's bound to get something wrong every once in a while. For example, I've noticed that it frequently confuses some bars with restaurants, or gasoline with "auto parts & service". Furthermore, some transactions are added as "uncategorized", often understandably so (my Android Market purchases often get thrown in there).



So, when you review your budget every week, this is one of the things you'll want to edit. For example, filter out the uncategorized transactions, go through them, and correctly categorize them. Go through the past week's purchases and tweak any categories you need to. The more accurate all those categories, the more specific and correct your budget will be, and the more effective you'll be at managing your spending.


It's also worth noting that you can split any transaction into two, which is helpful if some of the cost in a transaction falls into one category and some in another. For example, if you spent $30 in the iTunes Store, half of which was music and half of which was movies, Mint will categorize it as Music by default. To split it into two, just click on the transaction, hit Edit Details, then hit Split. You can allocate a certain amount of that transaction to another category (Movies) so you your budget more accurately reflects how you're spending your money.


Tweak Your Budget (and Your Spending)


After reviewing your budget each week (or at least once a month, when you can have a broader overview of your budgets), take some time to reassess where you are. Are you on the right track with your spending? Have you already gone over any of your budgets? Answer those types of questions, then ask yourself what the answer is. You'll either need to tweak your budget to allow for more or less spending, or take a look back at those pie graphs and see where you can trim some of the fat.



It's worth mentioning that as you start to pay more attention to your budget, don't go too overboard all at once. Focus on lowering your spending in just one area at a time, and you're more likely to achieve that goal. If you try to cut out too much spending at once, you might get overwhelmed. Unless your finances are really dire, just start cutting back little by little, and you'll find it much easier to keep to your new budget later on.


After a few weeks or months of tweaking, you should get to a point where your budget balances out and you slide into a good spending routine. Of course, it may take a bit longer to cultivate good spending habits, so don't slack off on your budget reviews just because you've figured out what they should be.


Set up Notifications


Another handy feature of Mint that'll help keep you on track is its notifications. If you head to My Accounts > Email & Alerts, you can set email and SMS alerts to let you know when your balance is low, when you're over budget, when you have a bill coming up, and more. These'll help keep you on track with your budgets even if you don't have time to review it that week, or if you make a large purchase that throws your budget (or account balance) out of whack and you need to attend to it. It's a small feature, and certainly no replacement for regular budget review, but it's nice to have around for the more pressing situations.


You can also send yourself weekly or monthly summary emails that let you know the status of your account and your budgets. As with most things, this can be annoying for some people. However, if you're particularly bad at reviewing your budget (or haven't gotten into the habit yet), they can be a nice weekly or monthly reminder to do so.


Set Goals



The last thing you may want to turn on that'll help your budget keeping is Mint's Goals feature. If you're saving up for something—whether it's a car, a vacation, or just in case of an emergency, Mint can help you save up for it. It's pretty good at figuring out some of the math for you—for example, it can tell you how much you'll need to put away each month to pay for it by the the time you want it—but it can also track what your end goal should be. For example, if you're trying to get out of debt, it can take into account the credit card debt and car loans, for example, already present in your account. If you're saving for a car, it can keep an eye on the blue book value of that car so it knows how much you'll need by the end.


Mint will not only track how much you need to be saving, but also give you recommendations on achieving that goal faster, which is pretty handy. If your goal is a new home, for example, it'll give you advice on improving your credit, shopping for homeowner's insurance, and other related subjects. To set up a goal, just head to the Goals tab and follow the instructions. Again, don't try to work on too many goals at once—if you keep your efforts focused, you're much more likely to achieve them.



Budgeting your money used to be a tedious, time-consuming process, even with the help of technology. With something as easy as Mint, though, there's no excuse not to make a real resolution this year to keep better track of your spending. Got any of your own budgeting tips, Mint-related or not? Share them with us in the comments.





Send an email to Whitson Gordon, the author of this post, at whitson@lifehacker.com.



Do you find that when you try to use a budgeting system, the more complicated it is, the more overwhelmed you become; and eventually you stop using it? If that’s the case, Sprouty brings a simplified budgeting system that makes it easy to create a monthly budget, and more importantly, stick to it.

Sometimes keeping it simple is a lot more useful and that’s exactly what Sprouty aims to do. Unlike Mint and other popular money management systems, your personal bank account information does not even come into play; making it a secure option that can be used no matter where in the world you live.

id="more-59875">/> After signing up for a free account, Sprouty will prompt you to enter your monthly income, and will attempt to create a budget for you, based on minimum recommended amounts for each budget item.

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Of course, the budget will most probably not reflect your own personal spending habits, and you can modify it to suit your lifestyle.

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You can add additional budget items by clicking on the ‘Create a Budget’ button, determine the amount allocated to that category, and add tags. Using the same method, you can add additional sources of income, which is particularly useful for a family in which there are several breadwinners.

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Existing budget items can also be edited or deleted by clicking on any given item, adding or removing tags of your choice, and adjusting the amount. This will be one of the very first steps you take when using Sprouty, in order to adjust the budget to suit your personal needs.

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Once you have your budget in place, you can begin to add the actual transactions as they occur. New transactions are accompanied by the date, tags or description, and the amount.

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As you add tags, Sprouty will also suggest tags that are commonly used.

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If you add a transaction by mistake, it can easily be edited or deleted by clicking on any part of the transaction’s information.

Sprouty’s best feature is undoubtedly the overview it provides of your spending. Once you have your budget in place and have added your transactions, you can see a monthly overview of your budget, and see exactly where your money is being spent, and what remains.

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This is especially useful because you are able to visualise the areas in which you spend the most, and this could make for an easier way to understand where you need to cutback on your spending.

Sprouty is as no-frills a budget system as they come, but sometimes that is all that you need. It is extremely user-friendly, with barely any learning curve at all.

The website can be accessed from mobile browsers, making it possible to add transactions on the go. That said, it is not optimised for a mobile browser, and that would be one of the first welcome changes to the site. Adding transactions while you’re out and about is an integral part of the success of any budget system, so that payments don’t fall between the cracks. Whether it is a mobile website, adding transactions by email, or any other method, it will definitely improve Sprouty’s user friendly service.

How do you keep track of your spending habits? Let us know in the comments.


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BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

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BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

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BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

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BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

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General Motors says it will begin installing cordless charging capabilities in its cars next year.

BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

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General Motors says it will begin installing cordless charging capabilities in its cars next year.

BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

In a stunning development in the Anna Nicole Smith drug trial, a judge in Los Angeles Thursday dropped all charges against Smith's former confidant and attorney Howard K. Stern. Judge Robert Terry told the court that there was no ...

Microsoft sells 8 million Kinects Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of Microsoft sells 8 million Kinects.


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Auto <b>News</b> From the Consumer Electronics Show - NYTimes.com

General Motors says it will begin installing cordless charging capabilities in its cars next year.

BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

In a stunning development in the Anna Nicole Smith drug trial, a judge in Los Angeles Thursday dropped all charges against Smith's former confidant and attorney Howard K. Stern. Judge Robert Terry told the court that there was no ...

Microsoft sells 8 million Kinects Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of Microsoft sells 8 million Kinects.


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Auto <b>News</b> From the Consumer Electronics Show - NYTimes.com

General Motors says it will begin installing cordless charging capabilities in its cars next year.

BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

In a stunning development in the Anna Nicole Smith drug trial, a judge in Los Angeles Thursday dropped all charges against Smith's former confidant and attorney Howard K. Stern. Judge Robert Terry told the court that there was no ...

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Read our Xbox 360 news of Microsoft sells 8 million Kinects.


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Auto <b>News</b> From the Consumer Electronics Show - NYTimes.com

General Motors says it will begin installing cordless charging capabilities in its cars next year.

BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

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Microsoft sells 8 million Kinects Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of Microsoft sells 8 million Kinects.


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Auto <b>News</b> From the Consumer Electronics Show - NYTimes.com

General Motors says it will begin installing cordless charging capabilities in its cars next year.

BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

In a stunning development in the Anna Nicole Smith drug trial, a judge in Los Angeles Thursday dropped all charges against Smith's former confidant and attorney Howard K. Stern. Judge Robert Terry told the court that there was no ...

Microsoft sells 8 million Kinects Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of Microsoft sells 8 million Kinects.


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surface encounters macomb mi

Auto <b>News</b> From the Consumer Electronics Show - NYTimes.com

General Motors says it will begin installing cordless charging capabilities in its cars next year.

BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

In a stunning development in the Anna Nicole Smith drug trial, a judge in Los Angeles Thursday dropped all charges against Smith's former confidant and attorney Howard K. Stern. Judge Robert Terry told the court that there was no ...

Microsoft sells 8 million Kinects Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of Microsoft sells 8 million Kinects.


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Auto <b>News</b> From the Consumer Electronics Show - NYTimes.com

General Motors says it will begin installing cordless charging capabilities in its cars next year.

BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

In a stunning development in the Anna Nicole Smith drug trial, a judge in Los Angeles Thursday dropped all charges against Smith's former confidant and attorney Howard K. Stern. Judge Robert Terry told the court that there was no ...

Microsoft sells 8 million Kinects Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of Microsoft sells 8 million Kinects.


surface encounters
surface encounters macomb

Auto <b>News</b> From the Consumer Electronics Show - NYTimes.com

General Motors says it will begin installing cordless charging capabilities in its cars next year.

BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

In a stunning development in the Anna Nicole Smith drug trial, a judge in Los Angeles Thursday dropped all charges against Smith's former confidant and attorney Howard K. Stern. Judge Robert Terry told the court that there was no ...

Microsoft sells 8 million Kinects Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of Microsoft sells 8 million Kinects.


surface encounters macomb
surface encounters michigan

Auto <b>News</b> From the Consumer Electronics Show - NYTimes.com

General Motors says it will begin installing cordless charging capabilities in its cars next year.

BREAKING <b>NEWS</b>: Anna Nicole Bombshell -- All Charges Dropped <b>...</b>

In a stunning development in the Anna Nicole Smith drug trial, a judge in Los Angeles Thursday dropped all charges against Smith's former confidant and attorney Howard K. Stern. Judge Robert Terry told the court that there was no ...

Microsoft sells 8 million Kinects Xbox 360 <b>News</b> - Page 1 <b>...</b>

Read our Xbox 360 news of Microsoft sells 8 million Kinects.


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Wednesday, January 5, 2011

Making Money Ebay



Try a different mobile OS

If you are due to renew your mobile contract this year then why not give some thought to switching OS? Android, iOS and Symbian have all seen big shifts in usablity and technical features in 2010 and 2011 might be a ideal time to see how the other third lives or to try something new and go with Windows Phone 7. Who knows, maybe by the time your contract is due, BlackBerry will surprise us too?


Listen up and listen good

Last year you probably gave Spotify a try and maybe even subscribed. This year you should give a few other music streaming services a go. Try out the web-based mflow so super simple track sharing and purchasing and keep your eyes peeled for Google Music and Apple’s take on cloud music storage.


Make an app

If you run Android you can now knock up an app using Google App Inventor without too much in the way of coding savvy. Symbian users can make newsreader apps with the Ovi App Wizard and iPhone owners can use AppBreeder to create promotional apps that can be published to the App Store (for a fee).


Back that stuff up

Listen carefully – your data is important. If you lose your hard drive or your PC gets nicked you will be in trouble, so the time to start doing proper backups is YESTERDAY. Luckily there are plenty of ways to back up your stuff that mean you won’t have to give it any thought bar a bit of initial set-up. Try online solutions like Carbonite or Dropbox or go for a local WiFi gadget like Q-Waves Wireless USB Data Kit.


Reuse and recycle

Getting rid of some of your old gadgets and gizmos has never been easier. eBay now offer green.ebay.com to instantly trade decent old electronics for cash or recycle duffers at no charge. There are other specialised services for mobile phones such as SellMyMobile that will pay you cash money for your old blower. Go 3D


If you want to watch the undoubtedly amazing new David Attenborough 3D doc via Sky you will have to bite the bullet and get yourself a 3D TV at last. Come on, you know you want one really. Just think of all those times you can watch Avatar! If 3D video still isn’t floating your boat then this could be the year of 3D Radio.


Kill your television

Well not the telly itself maybe (especially if you just spent a fortune on a new 3D one) but why not see if you can live without your satellite or cable subscription and embrace Internet TV? Google TV, Apple TV and the Boxee Box all offer low-cost ways to change the way you suckle from the glass teat. TV catchup services like iPlayer and 4OD mean you can still watch shows you like from the terrestrial channels even if all you have is an old laptop – just dont forget you still need a licence.


Make something amazing in Minecraft

There are loads of incredible games launching this year but the amazing creations of Minecraft players keep wowing us with their sheer inventiveness. Now that Minecraft guru Notch has decided to release the first proper beta of the indie mining and making game it seems like the ideal time to start digging for minerals and build something out of this world. We’d love to see what you can come up with.


In 1995 I remember waiting in lines to buy Windows 95. It effectively ended the design lead Apple had for 11 years in personal computers.


From then on Microsoft had both the thought leadership and the market share. Apple ended up with less than 10% market share. Microsoft had most of the rest.


Lots of people think that Apple could repeat 1995 in 2011. This time with iOS instead of Macintosh OS and with Google in the place of Microsoft.


We forget one little thing: 1995 was different.


Here’s how.


In 1995 Microsoft had a HUGE marketshare lead with DOS. That meant it had a huge army of developers who didn’t want to switch over to Apple’s system, which they saw as very closed and inflexible. I remember developers coming into the consumer electronics store I helped run in the 1980s and they’d complain bitterly about Apple’s policies (Apple was far less flexible back then than it is today and forced developers to fit into a “look and feel” set of guidelines).


But I look at who is making money. Back in 1995 developers were mostly making money from DOS. Remember, this caused WordPerfect and Borland to make bad bets. They bet on DOS for too long, while Bill Gates went and built some of the first and best Macintosh apps. The lesson, though, doesn’t pass from 1995 to 2011. Today where are most of the developers making their money? iOS (according to Sephora, Starbucks, OpenTable, eBay, and many other developers). So, Android has to convince developers to switch, or do both platforms at same time. That’s quite different.


Plus, back in 1995, who owned the best distribution and supply chains? Microsoft did. Today? Apple does. Apple didn’t have stores back in 1995 which will ensure its products get seen in the marketplace. Back then Microsoft could outspend Apple for shelf space at Frys and other retailers. Plus, Microsoft’s model of having many OEMs building hardware for its OS was far superior to Apple’s approach. Today that’s not really true, because the OEMs aren’t really able to bring that much value to the table and Apple has the best supply chains in China locked up (I visited one of them about two years ago and keep in touch with the folks there and that’s still the case). So, it’s not very likely that a Google phone will ship with better screens or better materials. At least not in volume. That is a huge difference from 1995 to today.


Other differences? Apple has outspent Microsoft on Advertising around the world. Look at this picture. It’s in Paris subway. Apple bought every square inch of advertising space (it bought the entire subway system’s advertising space, it seemed, iPad ads were plastered down the entire trackway). Google isn’t able to get its message there. That didn’t happen in 1995. Remember how dominant Microsoft’s advertising was back then? Microsoft even convinced the Empire State Building to change its colors that evening.


Let’s go back to how closed Apple is. Most apps this month got approved in less than a week. Some even got approved in less than four days. During the Christmas rush. Is this as good as Android’s (you can ship in minutes) policy? No. But, on the other hand, there are quality controls which consumers appreciate. The apps — overall — ARE better on iOS than on Android. Just check out TweetDeck. It crashes every few minutes on my Android phone. Twitter isn’t nearly as nice. Facebook isn’t as nice. And most apps aren’t as well designed, nor crash resistant, as on iOS.


I am sensing a switch, though. Fred Wilson is leading the charge. But other developers are grumbling about Apple and want there to be an alternative and they are all comparing notes with each other. “How’s Angry Birds doing with its advertising-only Android apps?” they ask. Very well, the answer comes back. So that means more developers will take the bet on Android, but so far I haven’t seen many go “Android only.” Why not? Because they know most of the PR comes from journalists who use mostly iOS devices and most of the best users are on iOS devices too (Sephora’s lead mobile developer told me 80% of the users who pull out a mobile phone in her stores are using iOS, that is echoed by nearly every developer I talk with). Even Swype, which has been kept from delivering their keyboard on iOS devices showed me a prototype of it running on an iPad and the inventor whispered “if Steve Jobs wants to talk, we’d love to ship this on iOS.”


So, when someone says that Apple is repeating the mistakes of 1995 (yes, I’ve been guilty of saying that in the past couple of years too) you should tell them that 2011 is not even close to the same set of conditions as 1995 has.


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Where do you get your news? Certainly, newspapers have faded out as a top resource. However, if you answered from TV news programs, you're part of a group.


Tuesday, January 4, 2011

Moms Making Money




The movie, Race to Nowhere, has brought new attention to education and student motivation. I hope that this film inspires dialogue about what school could become.


As Seth Godin says in his 2010 book, Linchpin, Are you Indispensible?, the sign outside school could read, “We teach people to take initiative and become remarkable artists, to question the status quo and to interact with transparency. And our graduates understand that consumption is not the answer to social problems.”


I want to work at a school like that! What child does not want to go to a school as Godin describes: “What they should teach in school: Only two things: 1. Solve interesting problems. 2. Lead.”


Kierkegaard once said, “We create ourselves by our choices.” Our children and our students are making choices based on our examples.


In Terry McMillan's 2010 sequel to Waiting to Exhale called Getting to Happy, 15 ½-year-old Sparrow tells her mom, “Most of the kids at my school get their meds from their parents’ and grandparents’ medicine cabinet."


We are aware that some children are doing homework until late in the night and taking pills to stay up. How big of a problem is it? Another character, 14-year-old Taylor says, “I looked in your side table and I saw your little pharmacy ....all of [my mom’s] scripts were on display in the medicine cabinet. This is where most of my friends get their stash to sell at school for spending money.”


Jason McDonald, an instructional designer, and academic researcher states that "for high school and college there is evidence that the race we've entered our kids in is damaging them in important ways." 

For college student information, he recommends reading My Freshman Year, the report of an anthropologist who went "native" as a college freshman and recorded her experiences.

Continued on the next page






@MikeBulger Read this article in French



The Health Benefits Of Raw Milk

From Grass-Fed Animals

By Ron Schmid, ND



In 1970, I went to live on the island of Martha's Vineyard. I was quite ill with gastrointestinal problems. I began living mostly on seafood, fresh vegetables and salads, and raw milk and eggs purchased from a local farmer, with a little meat and whole grain bread. My health problems, which had been intractable for years, disappeared.



Raw milk remained a mainstay of my diet. Since 1981 I have strongly recommended raw milk to thousands of people who have seen me in my practice as a naturopathic physician. I practice in Connecticut, where we enjoy the right to purchase certified raw milk throughout the state (with the exception of the town of Fairfield, where a fascist local health board has instituted an unchallenged-for-lack-of-funds town ordinance prohibiting the sale of raw milk.)



The raw milk available in the part of Connecticut where I live is from Debra Tyler's farm in Cornwall Bridge, called "Local Farm." Debra has nine cows on fourteen acres. Eight health food stores in central and northern Connecticut pick up milk regularly at Local Farm. There are about a dozen other certified raw milk dairies among Connecticut's 210 dairy farms.



Debra has Jersey cows. Most farms have Holsteins, which provide large quantities of milk, but milk that is lower in protein, fat and calcium. Jerseys were originally bred by the French to produce milk for
cheese making. The fat content of Debra's milk during the warm months is about 4.8 percent, well above the normal 3.5 percent for whole milk. Debra's cows eat mostly grass in the spring, summer and fall, and mostly hay in the winter (each cow consumes a forty pound bale a day!), with a few pounds a day of ground corn and roasted soybeans (five to one corn to soybeans ratio).



Local Farm milk is certified organic. Certification costs several hundred dollars a year in fees and considerable paperwork. It also means that Debra must sometimes pay more for certified feed from faraway places than for locally produced feed she knows to be organic but which is not certified. This raises the question-if you know and trust the local farmers who produce your food, does it really have to be certified?



TESTIMONY ON RAW MILK

The last time the right of the people of Connecticut to purchase raw milk was seriously threatened was in 1994 when the state Environmental Committee held public hearings on the certification of raw milk, before voting almost unanimously to continue licensing new farms and allowing raw milk to be sold. I testified at those hearings. My testimony was framed to respond to objections to raw milk raised by the state health department and to document the benefits of raw milk. To quote from that testimony:



"The state epidemiologist writes that 'It has yet to be demonstrated that raw milk has any beneficial health effects. . . ' He cites articles attached to his letter. In one article, 'Unpasteurized Milk, The Hazards of a Health Fetish' (Journal of the American Medical Association, 10/19/84), the authors make a series of misstatements about the research of Francis Pottenger before concluding that raw milk has no health benefits. I detail these charges as follows in the paper I've given the members of the Committee.



"Now what Pottenger actually did in some of his experiments is this. He used four groups of cats. All received for one-third of the diet raw meat. The other two-thirds of the diet consisted in either raw milk or various heat-treated milks. The raw milk/raw meat diet produced many generations of healthy cats. Those fed pasteurized milk showed skeletal changes, decreased reproductive capacity and infectious and degenerative diseases.



"Now just who was Francis Pottenger? He was the son of the physician who founded the once famous Pottenger Sanatorium for treatment of tuberculosis in Monrovia, California. He completed his residency at Los Angeles County Hospital in 1930 and became a full-time assistant at the Sanatorium. From 1932 to 1942, he also conducted what became known as the Pottenger Cat Study.



"In 1940, he founded the Francis M Pottenger, Jr. Hospital at Monrovia. Until closing in 1960, the hospital specialized in treating non-tubercular diseases of the lung, especially asthma.



"Dr. Pottenger was a regular and prolific contributor to the medical and scientific literature. He served as president of several professional organizations, including the Los Angeles County Medical Association, the American Academy of Applied Nutrition and the American Therapeutic Society. He was a member of a long list of other professional organizations.



"Pottenger's experiments met the most rigorous scientific standards. His outstanding credentials earned him the support of prominent physicians. Alvin Foord, MD, Professor of Pathology at the University of Southern California and pathologist at the Huntington Memorial Hospital in Pasadena, co-supervised with Pottenger all pathological and chemical findings of the study.



"One particular question that Pottenger addressed in his study is one that modern science has largely ignored. It has to do with the nutritive value of heat-labile elements-nutrients destroyed by heat and available only in raw foods.



"In his article 'Clinical Evidences of the Value of Raw Milk,' Pottenger writes: 'Some of the factors transmitted by milk are thermo-labile [sensitive to heat]. Though their destruction may not produce death, their deficiency may prevent proper development of the child. This may show in the development of an inadequate skeleton or a decrease in resistance. . . . delay in development of osseous centers is noted more frequently in those children. . . receiving heat treated milk. It is particularly absent from the raw milk fed children. . . . I am basing this discussion on analysis of 150 children whose parents have consulted me because of respiratory allergies. Many other workers. . . have also shown that treating milk by heating interferes with its proper assimilation and nutritional qualities. . . . The best milk from a nutritional standpoint is raw milk. . . . Heat-treating milk interferes with calcium metabolism causing. . . delay in bone age and small bones. . . . The interference with calcium metabolism as shown in the bones is only a physiological index of disturbed metabolism throughout the body.'



"I have prescribed raw milk from grass-fed animals to my patients for nearly fifteen years. Time and again I have seen allergies clear up and dramatically improved health. Particularly in children, middle ear infections usually disappear and do not recur on raw milk. Both children and adults unable to drink pasteurized milk without problems have thrived on raw milk. In hundreds-perhaps thousands-of my patients using raw milk, not one has ever developed a salmonella, campylobacter, or other raw-milk-related infection.



"In the letter cited above, the state epidemiologist states that 'The processes of certification and/or inspection do not guarantee that raw milk will not be contaminated with pathogenic organisms.' He also lists a host of microorganisms that are alleged to be transmitted by raw milk, not mentioning that, as the literature accompanying his letter makes clear, the only organisms even potentially associated with the consumption of certified raw milk are salmonella and campylobacter. And in one of the articles he cites, 'The Hazard in Consuming Raw Milk' (in The Western Journal of Medicine), the authors actually state that 'Salmonella and campylobacter diseases in humans are generally not serious. But in persons with compromised health (particularly those with malignant conditions and immunosuppressed by disease or therapy), these infections may be serious.'



"So, the gist of the state's argument against certified raw milk is that it might possibly on isolated occasions cause serious disease in some people whose immune systems have been compromised by the toxic effects of chemotherapy. And because of this very slight risk, those of us who might choose to drink certified raw milk for the benefits I have catalogued should be denied that right."



Fortunately, the members of the Environmental Committee saw through the shallowness of the state's argument and voted in favor of raw milk.



Milk in History and Evolution

Not everyone agrees that milk should be part of the human diet after infancy. The argument is made that just as all other species drink no milk after weaning, neither should we, especially that of another species. Many adults have difficulty digesting pasteurized milk, and allergies to pasteurized milk products are common. While this lends credence to arguments against milk, such reactions are usually due to pasteurization itself and the poor quality of conventionally produced milk and milk products. While for some individuals genetic influences play a role, for most people, the body's reaction to milk depends largely upon the quality and state of the particular milk used.



The Swiss of the Loetschental Valley were one of the few native groups Weston Price studied that used milk. (The others were certain African tribes, including the Masai.) The Swiss valley-dwellers used raw whole milk, both fresh and cultured, cheese and butter, all in substantial quantities. The milk was from healthy, grass-fed animals and was used unpasteurized and unhomogenized. Such foods clearly can play a major role in a health-building program for the individual genetically enabled to utilize these foods well. They are a rich source of fat-soluble vitamins A and D and other crucial nutrients in short supply in diets lacking in high quality animal fats. (Contrary to popular opinion, liberal amounts of animal fats, particularly from grass-fed animals, are essential for good health and resistance to disease.)



Yet it is possible to attain optimal health without dairy foods. Price discovered groups using no dairy foods that had complete resistance to dental decay and chronic disease; their diets invariably included other rich sources of animal fats, calcium and other minerals. The soft ends of long bones were commonly chewed, and the shafts and other bones were used in soups.



Modern medicine has discovered the importance of a substantial intake of calcium. Several recent studies have linked high blood pressure and other problems to chronic subclinical calcium deficiency, including increased incidence of colon and prostate cancers in men and osteoporosis and osteoarthritis in both men and women. Paradoxically, other problems are associated with high consumption of dairy foods; this has not gone unnoticed by researchers, nutritionists and holistic physicians.



The difference between fresh raw milk from grass-fed cows and processed milk explains the paradox. This concept has not been considered in attempts by today's medical community to explain the health effects of dairy foods.



Domesticated animals were first used for milk eight to ten thousand years ago, as a genetic change affecting mostly people in Europe, the Middle East and parts of Africa enabled them to digest milk as adults. Milk from domesticated animals then began to become important as a human food. With domestication and settlement, fewer wild animals were available; as groups of people roamed less, they hunted less, eating more grains and vegetables. In some cultures, milk replaced animal bones as the chief source of calcium and some other minerals.



In indigenous cultures where adults used milk, often it was used as cultured or clabbered milk. This is similar to homemade raw yogurt, and it is partially predigested-much of the lactose (milk sugar) has been broken down by bacterial action. This process must be accomplished over a period of several hours in the stomach when one drinks fresh milk; yogurt or clabbered milk is much more easily digested than fresh milk.



Adaptations in evolution are always the effects of particular causes. Humans developing the ability to digest milk into adulthood possessed a survival advantage; such changes are the basis of evolution. Put simply, many human beings evolved the ability to easily digest raw milk because raw milk from healthy, grass-fed animals gave them an adaptive advantage; it made them stronger and more able to reproduce. Such milk remains a wonderful food that provides us with fat-soluble nutrients, calcium and other minerals that are by and large in short supply in the modern diet.



In the six years since I presented the testimony quoted above, I have become more convinced than ever of the value and importance of raw milk in the diets of people of all ages. For many of the people who eat in the manner I recommend, raw milk is the chief source of enzymes. I believe enzymes are a critical component in recovering from disease and establishing and maintaining health. Hundreds of people I've seen have used Local Farm raw milk as an essential part of their naturopathic treatment.



There isn't a day that goes by that I'm not thankful that I live in a state where bureaucrats and medical monopolists have not stripped us of what should be an inalienable, constitutional right. I mean the right to purchase raw milk and other healthy, locally produced foods directly from the people who produce them.



It's impossible to overestimate the importance of the work Debra Tyler and farmers like her are doing. I long to see the day when all Americans have the right to purchase locally produced raw milk, meat, fowl and other farm products directly from the farmers who produce them. I hope to see the day when the current yoke of prohibitions and bureaucratic red tape will be thrown off, and we once again will be free to produce and consume truly healthy foods. The men and women who founded this country did not intend for commercial interests to control the food supply and thus our health. These are rights of the people, and they are rights that have been stripped away. We need to work together to regain them.





--------------------------------------------------------------------------------



About Ron Schmid

Dr. Ron Schmid has practiced as a licensed naturopathic physician in Connecticut since graduating from the National College of Naturopathic Medicine in 1981. A graduate of the Massachusetts Institute of Technology as well, he has taught courses and seminars in nutrition at all four of the accredited naturopathic medical schools in the United States. He served for a year as the first Clinic Director and Chief Medical Officer at the University of Bridgeport College of Naturopathic Medicine. He is a member of the American Association of Naturopathic Physicians and the Connecticut Society of Naturopathic Physicians, and is on the Honorary Board of the Weston A. Price Foundation. He is also the manufacturer of 100% pure, additive free nutritional supplements. Dr. Schmid is the author of Traditional Foods Are Your Best Medicine, first published in 1986.

  ...read more



robert shumake detroit

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John Roberts switches to FOX <b>News</b> | Inside TV | EW.com

John Roberts, the veteran newsman who co-hosted CNN's American Morning for three years, is joining the competition. “We are excited to welcome Jo...

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Read our news of Moore: EA not backing away from Tiger.


robert shumake



The movie, Race to Nowhere, has brought new attention to education and student motivation. I hope that this film inspires dialogue about what school could become.


As Seth Godin says in his 2010 book, Linchpin, Are you Indispensible?, the sign outside school could read, “We teach people to take initiative and become remarkable artists, to question the status quo and to interact with transparency. And our graduates understand that consumption is not the answer to social problems.”


I want to work at a school like that! What child does not want to go to a school as Godin describes: “What they should teach in school: Only two things: 1. Solve interesting problems. 2. Lead.”


Kierkegaard once said, “We create ourselves by our choices.” Our children and our students are making choices based on our examples.


In Terry McMillan's 2010 sequel to Waiting to Exhale called Getting to Happy, 15 ½-year-old Sparrow tells her mom, “Most of the kids at my school get their meds from their parents’ and grandparents’ medicine cabinet."


We are aware that some children are doing homework until late in the night and taking pills to stay up. How big of a problem is it? Another character, 14-year-old Taylor says, “I looked in your side table and I saw your little pharmacy ....all of [my mom’s] scripts were on display in the medicine cabinet. This is where most of my friends get their stash to sell at school for spending money.”


Jason McDonald, an instructional designer, and academic researcher states that "for high school and college there is evidence that the race we've entered our kids in is damaging them in important ways." 

For college student information, he recommends reading My Freshman Year, the report of an anthropologist who went "native" as a college freshman and recorded her experiences.

Continued on the next page






@MikeBulger Read this article in French



The Health Benefits Of Raw Milk

From Grass-Fed Animals

By Ron Schmid, ND



In 1970, I went to live on the island of Martha's Vineyard. I was quite ill with gastrointestinal problems. I began living mostly on seafood, fresh vegetables and salads, and raw milk and eggs purchased from a local farmer, with a little meat and whole grain bread. My health problems, which had been intractable for years, disappeared.



Raw milk remained a mainstay of my diet. Since 1981 I have strongly recommended raw milk to thousands of people who have seen me in my practice as a naturopathic physician. I practice in Connecticut, where we enjoy the right to purchase certified raw milk throughout the state (with the exception of the town of Fairfield, where a fascist local health board has instituted an unchallenged-for-lack-of-funds town ordinance prohibiting the sale of raw milk.)



The raw milk available in the part of Connecticut where I live is from Debra Tyler's farm in Cornwall Bridge, called "Local Farm." Debra has nine cows on fourteen acres. Eight health food stores in central and northern Connecticut pick up milk regularly at Local Farm. There are about a dozen other certified raw milk dairies among Connecticut's 210 dairy farms.



Debra has Jersey cows. Most farms have Holsteins, which provide large quantities of milk, but milk that is lower in protein, fat and calcium. Jerseys were originally bred by the French to produce milk for
cheese making. The fat content of Debra's milk during the warm months is about 4.8 percent, well above the normal 3.5 percent for whole milk. Debra's cows eat mostly grass in the spring, summer and fall, and mostly hay in the winter (each cow consumes a forty pound bale a day!), with a few pounds a day of ground corn and roasted soybeans (five to one corn to soybeans ratio).



Local Farm milk is certified organic. Certification costs several hundred dollars a year in fees and considerable paperwork. It also means that Debra must sometimes pay more for certified feed from faraway places than for locally produced feed she knows to be organic but which is not certified. This raises the question-if you know and trust the local farmers who produce your food, does it really have to be certified?



TESTIMONY ON RAW MILK

The last time the right of the people of Connecticut to purchase raw milk was seriously threatened was in 1994 when the state Environmental Committee held public hearings on the certification of raw milk, before voting almost unanimously to continue licensing new farms and allowing raw milk to be sold. I testified at those hearings. My testimony was framed to respond to objections to raw milk raised by the state health department and to document the benefits of raw milk. To quote from that testimony:



"The state epidemiologist writes that 'It has yet to be demonstrated that raw milk has any beneficial health effects. . . ' He cites articles attached to his letter. In one article, 'Unpasteurized Milk, The Hazards of a Health Fetish' (Journal of the American Medical Association, 10/19/84), the authors make a series of misstatements about the research of Francis Pottenger before concluding that raw milk has no health benefits. I detail these charges as follows in the paper I've given the members of the Committee.



"Now what Pottenger actually did in some of his experiments is this. He used four groups of cats. All received for one-third of the diet raw meat. The other two-thirds of the diet consisted in either raw milk or various heat-treated milks. The raw milk/raw meat diet produced many generations of healthy cats. Those fed pasteurized milk showed skeletal changes, decreased reproductive capacity and infectious and degenerative diseases.



"Now just who was Francis Pottenger? He was the son of the physician who founded the once famous Pottenger Sanatorium for treatment of tuberculosis in Monrovia, California. He completed his residency at Los Angeles County Hospital in 1930 and became a full-time assistant at the Sanatorium. From 1932 to 1942, he also conducted what became known as the Pottenger Cat Study.



"In 1940, he founded the Francis M Pottenger, Jr. Hospital at Monrovia. Until closing in 1960, the hospital specialized in treating non-tubercular diseases of the lung, especially asthma.



"Dr. Pottenger was a regular and prolific contributor to the medical and scientific literature. He served as president of several professional organizations, including the Los Angeles County Medical Association, the American Academy of Applied Nutrition and the American Therapeutic Society. He was a member of a long list of other professional organizations.



"Pottenger's experiments met the most rigorous scientific standards. His outstanding credentials earned him the support of prominent physicians. Alvin Foord, MD, Professor of Pathology at the University of Southern California and pathologist at the Huntington Memorial Hospital in Pasadena, co-supervised with Pottenger all pathological and chemical findings of the study.



"One particular question that Pottenger addressed in his study is one that modern science has largely ignored. It has to do with the nutritive value of heat-labile elements-nutrients destroyed by heat and available only in raw foods.



"In his article 'Clinical Evidences of the Value of Raw Milk,' Pottenger writes: 'Some of the factors transmitted by milk are thermo-labile [sensitive to heat]. Though their destruction may not produce death, their deficiency may prevent proper development of the child. This may show in the development of an inadequate skeleton or a decrease in resistance. . . . delay in development of osseous centers is noted more frequently in those children. . . receiving heat treated milk. It is particularly absent from the raw milk fed children. . . . I am basing this discussion on analysis of 150 children whose parents have consulted me because of respiratory allergies. Many other workers. . . have also shown that treating milk by heating interferes with its proper assimilation and nutritional qualities. . . . The best milk from a nutritional standpoint is raw milk. . . . Heat-treating milk interferes with calcium metabolism causing. . . delay in bone age and small bones. . . . The interference with calcium metabolism as shown in the bones is only a physiological index of disturbed metabolism throughout the body.'



"I have prescribed raw milk from grass-fed animals to my patients for nearly fifteen years. Time and again I have seen allergies clear up and dramatically improved health. Particularly in children, middle ear infections usually disappear and do not recur on raw milk. Both children and adults unable to drink pasteurized milk without problems have thrived on raw milk. In hundreds-perhaps thousands-of my patients using raw milk, not one has ever developed a salmonella, campylobacter, or other raw-milk-related infection.



"In the letter cited above, the state epidemiologist states that 'The processes of certification and/or inspection do not guarantee that raw milk will not be contaminated with pathogenic organisms.' He also lists a host of microorganisms that are alleged to be transmitted by raw milk, not mentioning that, as the literature accompanying his letter makes clear, the only organisms even potentially associated with the consumption of certified raw milk are salmonella and campylobacter. And in one of the articles he cites, 'The Hazard in Consuming Raw Milk' (in The Western Journal of Medicine), the authors actually state that 'Salmonella and campylobacter diseases in humans are generally not serious. But in persons with compromised health (particularly those with malignant conditions and immunosuppressed by disease or therapy), these infections may be serious.'



"So, the gist of the state's argument against certified raw milk is that it might possibly on isolated occasions cause serious disease in some people whose immune systems have been compromised by the toxic effects of chemotherapy. And because of this very slight risk, those of us who might choose to drink certified raw milk for the benefits I have catalogued should be denied that right."



Fortunately, the members of the Environmental Committee saw through the shallowness of the state's argument and voted in favor of raw milk.



Milk in History and Evolution

Not everyone agrees that milk should be part of the human diet after infancy. The argument is made that just as all other species drink no milk after weaning, neither should we, especially that of another species. Many adults have difficulty digesting pasteurized milk, and allergies to pasteurized milk products are common. While this lends credence to arguments against milk, such reactions are usually due to pasteurization itself and the poor quality of conventionally produced milk and milk products. While for some individuals genetic influences play a role, for most people, the body's reaction to milk depends largely upon the quality and state of the particular milk used.



The Swiss of the Loetschental Valley were one of the few native groups Weston Price studied that used milk. (The others were certain African tribes, including the Masai.) The Swiss valley-dwellers used raw whole milk, both fresh and cultured, cheese and butter, all in substantial quantities. The milk was from healthy, grass-fed animals and was used unpasteurized and unhomogenized. Such foods clearly can play a major role in a health-building program for the individual genetically enabled to utilize these foods well. They are a rich source of fat-soluble vitamins A and D and other crucial nutrients in short supply in diets lacking in high quality animal fats. (Contrary to popular opinion, liberal amounts of animal fats, particularly from grass-fed animals, are essential for good health and resistance to disease.)



Yet it is possible to attain optimal health without dairy foods. Price discovered groups using no dairy foods that had complete resistance to dental decay and chronic disease; their diets invariably included other rich sources of animal fats, calcium and other minerals. The soft ends of long bones were commonly chewed, and the shafts and other bones were used in soups.



Modern medicine has discovered the importance of a substantial intake of calcium. Several recent studies have linked high blood pressure and other problems to chronic subclinical calcium deficiency, including increased incidence of colon and prostate cancers in men and osteoporosis and osteoarthritis in both men and women. Paradoxically, other problems are associated with high consumption of dairy foods; this has not gone unnoticed by researchers, nutritionists and holistic physicians.



The difference between fresh raw milk from grass-fed cows and processed milk explains the paradox. This concept has not been considered in attempts by today's medical community to explain the health effects of dairy foods.



Domesticated animals were first used for milk eight to ten thousand years ago, as a genetic change affecting mostly people in Europe, the Middle East and parts of Africa enabled them to digest milk as adults. Milk from domesticated animals then began to become important as a human food. With domestication and settlement, fewer wild animals were available; as groups of people roamed less, they hunted less, eating more grains and vegetables. In some cultures, milk replaced animal bones as the chief source of calcium and some other minerals.



In indigenous cultures where adults used milk, often it was used as cultured or clabbered milk. This is similar to homemade raw yogurt, and it is partially predigested-much of the lactose (milk sugar) has been broken down by bacterial action. This process must be accomplished over a period of several hours in the stomach when one drinks fresh milk; yogurt or clabbered milk is much more easily digested than fresh milk.



Adaptations in evolution are always the effects of particular causes. Humans developing the ability to digest milk into adulthood possessed a survival advantage; such changes are the basis of evolution. Put simply, many human beings evolved the ability to easily digest raw milk because raw milk from healthy, grass-fed animals gave them an adaptive advantage; it made them stronger and more able to reproduce. Such milk remains a wonderful food that provides us with fat-soluble nutrients, calcium and other minerals that are by and large in short supply in the modern diet.



In the six years since I presented the testimony quoted above, I have become more convinced than ever of the value and importance of raw milk in the diets of people of all ages. For many of the people who eat in the manner I recommend, raw milk is the chief source of enzymes. I believe enzymes are a critical component in recovering from disease and establishing and maintaining health. Hundreds of people I've seen have used Local Farm raw milk as an essential part of their naturopathic treatment.



There isn't a day that goes by that I'm not thankful that I live in a state where bureaucrats and medical monopolists have not stripped us of what should be an inalienable, constitutional right. I mean the right to purchase raw milk and other healthy, locally produced foods directly from the people who produce them.



It's impossible to overestimate the importance of the work Debra Tyler and farmers like her are doing. I long to see the day when all Americans have the right to purchase locally produced raw milk, meat, fowl and other farm products directly from the farmers who produce them. I hope to see the day when the current yoke of prohibitions and bureaucratic red tape will be thrown off, and we once again will be free to produce and consume truly healthy foods. The men and women who founded this country did not intend for commercial interests to control the food supply and thus our health. These are rights of the people, and they are rights that have been stripped away. We need to work together to regain them.





--------------------------------------------------------------------------------



About Ron Schmid

Dr. Ron Schmid has practiced as a licensed naturopathic physician in Connecticut since graduating from the National College of Naturopathic Medicine in 1981. A graduate of the Massachusetts Institute of Technology as well, he has taught courses and seminars in nutrition at all four of the accredited naturopathic medical schools in the United States. He served for a year as the first Clinic Director and Chief Medical Officer at the University of Bridgeport College of Naturopathic Medicine. He is a member of the American Association of Naturopathic Physicians and the Connecticut Society of Naturopathic Physicians, and is on the Honorary Board of the Weston A. Price Foundation. He is also the manufacturer of 100% pure, additive free nutritional supplements. Dr. Schmid is the author of Traditional Foods Are Your Best Medicine, first published in 1986.

  ...read more



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John Roberts switches to FOX <b>News</b> | Inside TV | EW.com

John Roberts, the veteran newsman who co-hosted CNN's American Morning for three years, is joining the competition. “We are excited to welcome Jo...

Social <b>News</b> Site Reddit Reports 200%+ Growth in 2010

Social news site Reddit posted year-end numbers this afternoon including January and December page view stats that climbed from 250 million pageviews to more than 3X that number, ...

Moore: EA not backing away from Tiger <b>News</b> - Page 1 | Eurogamer.net

Read our news of Moore: EA not backing away from Tiger.


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John Roberts switches to FOX <b>News</b> | Inside TV | EW.com

John Roberts, the veteran newsman who co-hosted CNN's American Morning for three years, is joining the competition. “We are excited to welcome Jo...

Social <b>News</b> Site Reddit Reports 200%+ Growth in 2010

Social news site Reddit posted year-end numbers this afternoon including January and December page view stats that climbed from 250 million pageviews to more than 3X that number, ...

Moore: EA not backing away from Tiger <b>News</b> - Page 1 | Eurogamer.net

Read our news of Moore: EA not backing away from Tiger.


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There is a plethora of ways in which a person can make money on the internet. Money making opportunities exist all the way from telecommuting jobs that you can perform on the telephone down to transcribing for a law office or medical company. Many work at home moms, college students, work at home dads and those who make their living online will be happy to know that paid surveys are a legitimate form of income and companies will actually pay you to give your opinion on a product or situation.

Some of these companies that you can make money from will present you with a survey and will either offer you cash as a form of payment or will enter you into a drawing for one of their many cash and award prizes. Furthermore, some paid survey companies will also offer you the opportunity to "cash in" your points when you've taken enough surveys. Some of the companies that exist on the internet that allow you to take surveys to make money are:

NFO My Survey

This paid survey company will allow you to make money and earn rewards by giving you the opportunity to take surveys on their website. The surveys will take as short as 5 minutes and some of them will take even longer and upwards of 15 minutes. The surveys, however, are well worth it when the member logs into their account to see the types of prizes and cash that are awarded. There are four types of rewards with NFO My Survey: cash, prizes and merchandise, charity donations, and raffle tickets. The cash opportunity requires you to have a set minimum of points in your account; surprisingly, this set amount is not high at all and is very attainable. The prize and merchandise category does have some valuable rewards, like a Sony Laptop, DVD player, and Washer and Dryer. Of course, the more expensive the merchandise usually means the more points that you'll have to earn, but NFO My Survey does have smaller prizes, too!

NPD Online Research

Another company that offers prizes in return for completing surveys is NPDOR, or NPD Online Research. This company requires you to fill out surveys two to four times a month. In return, you'll be given Sweepland points. These Sweepland points that you have are able to be put into a raffle of other survey takers' points so that you'll have a chance to win a major prize. Some of the bigger prizes that NPDOR is giving away in 2007 are a Pontiac Solstice, five-thousand dollars in cash, and a $3600 grocery shopping spree. Of course, there are $100 drawings every month and a NPDOR member wins each time.

There are plenty of other places to take online surveys and complete paid offers, like InboxDollars and Fairy Tale Treasures. However, NFO My Survey and NPDOR are two of the best paid survey companies on the World Wide Web and give people an incredible opportunity to make a little bit of extra money on the side!


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John Roberts switches to FOX <b>News</b> | Inside TV | EW.com

John Roberts, the veteran newsman who co-hosted CNN's American Morning for three years, is joining the competition. “We are excited to welcome Jo...

Social <b>News</b> Site Reddit Reports 200%+ Growth in 2010

Social news site Reddit posted year-end numbers this afternoon including January and December page view stats that climbed from 250 million pageviews to more than 3X that number, ...

Moore: EA not backing away from Tiger <b>News</b> - Page 1 | Eurogamer.net

Read our news of Moore: EA not backing away from Tiger.


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The movie, Race to Nowhere, has brought new attention to education and student motivation. I hope that this film inspires dialogue about what school could become.


As Seth Godin says in his 2010 book, Linchpin, Are you Indispensible?, the sign outside school could read, “We teach people to take initiative and become remarkable artists, to question the status quo and to interact with transparency. And our graduates understand that consumption is not the answer to social problems.”


I want to work at a school like that! What child does not want to go to a school as Godin describes: “What they should teach in school: Only two things: 1. Solve interesting problems. 2. Lead.”


Kierkegaard once said, “We create ourselves by our choices.” Our children and our students are making choices based on our examples.


In Terry McMillan's 2010 sequel to Waiting to Exhale called Getting to Happy, 15 ½-year-old Sparrow tells her mom, “Most of the kids at my school get their meds from their parents’ and grandparents’ medicine cabinet."


We are aware that some children are doing homework until late in the night and taking pills to stay up. How big of a problem is it? Another character, 14-year-old Taylor says, “I looked in your side table and I saw your little pharmacy ....all of [my mom’s] scripts were on display in the medicine cabinet. This is where most of my friends get their stash to sell at school for spending money.”


Jason McDonald, an instructional designer, and academic researcher states that "for high school and college there is evidence that the race we've entered our kids in is damaging them in important ways." 

For college student information, he recommends reading My Freshman Year, the report of an anthropologist who went "native" as a college freshman and recorded her experiences.

Continued on the next page






@MikeBulger Read this article in French



The Health Benefits Of Raw Milk

From Grass-Fed Animals

By Ron Schmid, ND



In 1970, I went to live on the island of Martha's Vineyard. I was quite ill with gastrointestinal problems. I began living mostly on seafood, fresh vegetables and salads, and raw milk and eggs purchased from a local farmer, with a little meat and whole grain bread. My health problems, which had been intractable for years, disappeared.



Raw milk remained a mainstay of my diet. Since 1981 I have strongly recommended raw milk to thousands of people who have seen me in my practice as a naturopathic physician. I practice in Connecticut, where we enjoy the right to purchase certified raw milk throughout the state (with the exception of the town of Fairfield, where a fascist local health board has instituted an unchallenged-for-lack-of-funds town ordinance prohibiting the sale of raw milk.)



The raw milk available in the part of Connecticut where I live is from Debra Tyler's farm in Cornwall Bridge, called "Local Farm." Debra has nine cows on fourteen acres. Eight health food stores in central and northern Connecticut pick up milk regularly at Local Farm. There are about a dozen other certified raw milk dairies among Connecticut's 210 dairy farms.



Debra has Jersey cows. Most farms have Holsteins, which provide large quantities of milk, but milk that is lower in protein, fat and calcium. Jerseys were originally bred by the French to produce milk for
cheese making. The fat content of Debra's milk during the warm months is about 4.8 percent, well above the normal 3.5 percent for whole milk. Debra's cows eat mostly grass in the spring, summer and fall, and mostly hay in the winter (each cow consumes a forty pound bale a day!), with a few pounds a day of ground corn and roasted soybeans (five to one corn to soybeans ratio).



Local Farm milk is certified organic. Certification costs several hundred dollars a year in fees and considerable paperwork. It also means that Debra must sometimes pay more for certified feed from faraway places than for locally produced feed she knows to be organic but which is not certified. This raises the question-if you know and trust the local farmers who produce your food, does it really have to be certified?



TESTIMONY ON RAW MILK

The last time the right of the people of Connecticut to purchase raw milk was seriously threatened was in 1994 when the state Environmental Committee held public hearings on the certification of raw milk, before voting almost unanimously to continue licensing new farms and allowing raw milk to be sold. I testified at those hearings. My testimony was framed to respond to objections to raw milk raised by the state health department and to document the benefits of raw milk. To quote from that testimony:



"The state epidemiologist writes that 'It has yet to be demonstrated that raw milk has any beneficial health effects. . . ' He cites articles attached to his letter. In one article, 'Unpasteurized Milk, The Hazards of a Health Fetish' (Journal of the American Medical Association, 10/19/84), the authors make a series of misstatements about the research of Francis Pottenger before concluding that raw milk has no health benefits. I detail these charges as follows in the paper I've given the members of the Committee.



"Now what Pottenger actually did in some of his experiments is this. He used four groups of cats. All received for one-third of the diet raw meat. The other two-thirds of the diet consisted in either raw milk or various heat-treated milks. The raw milk/raw meat diet produced many generations of healthy cats. Those fed pasteurized milk showed skeletal changes, decreased reproductive capacity and infectious and degenerative diseases.



"Now just who was Francis Pottenger? He was the son of the physician who founded the once famous Pottenger Sanatorium for treatment of tuberculosis in Monrovia, California. He completed his residency at Los Angeles County Hospital in 1930 and became a full-time assistant at the Sanatorium. From 1932 to 1942, he also conducted what became known as the Pottenger Cat Study.



"In 1940, he founded the Francis M Pottenger, Jr. Hospital at Monrovia. Until closing in 1960, the hospital specialized in treating non-tubercular diseases of the lung, especially asthma.



"Dr. Pottenger was a regular and prolific contributor to the medical and scientific literature. He served as president of several professional organizations, including the Los Angeles County Medical Association, the American Academy of Applied Nutrition and the American Therapeutic Society. He was a member of a long list of other professional organizations.



"Pottenger's experiments met the most rigorous scientific standards. His outstanding credentials earned him the support of prominent physicians. Alvin Foord, MD, Professor of Pathology at the University of Southern California and pathologist at the Huntington Memorial Hospital in Pasadena, co-supervised with Pottenger all pathological and chemical findings of the study.



"One particular question that Pottenger addressed in his study is one that modern science has largely ignored. It has to do with the nutritive value of heat-labile elements-nutrients destroyed by heat and available only in raw foods.



"In his article 'Clinical Evidences of the Value of Raw Milk,' Pottenger writes: 'Some of the factors transmitted by milk are thermo-labile [sensitive to heat]. Though their destruction may not produce death, their deficiency may prevent proper development of the child. This may show in the development of an inadequate skeleton or a decrease in resistance. . . . delay in development of osseous centers is noted more frequently in those children. . . receiving heat treated milk. It is particularly absent from the raw milk fed children. . . . I am basing this discussion on analysis of 150 children whose parents have consulted me because of respiratory allergies. Many other workers. . . have also shown that treating milk by heating interferes with its proper assimilation and nutritional qualities. . . . The best milk from a nutritional standpoint is raw milk. . . . Heat-treating milk interferes with calcium metabolism causing. . . delay in bone age and small bones. . . . The interference with calcium metabolism as shown in the bones is only a physiological index of disturbed metabolism throughout the body.'



"I have prescribed raw milk from grass-fed animals to my patients for nearly fifteen years. Time and again I have seen allergies clear up and dramatically improved health. Particularly in children, middle ear infections usually disappear and do not recur on raw milk. Both children and adults unable to drink pasteurized milk without problems have thrived on raw milk. In hundreds-perhaps thousands-of my patients using raw milk, not one has ever developed a salmonella, campylobacter, or other raw-milk-related infection.



"In the letter cited above, the state epidemiologist states that 'The processes of certification and/or inspection do not guarantee that raw milk will not be contaminated with pathogenic organisms.' He also lists a host of microorganisms that are alleged to be transmitted by raw milk, not mentioning that, as the literature accompanying his letter makes clear, the only organisms even potentially associated with the consumption of certified raw milk are salmonella and campylobacter. And in one of the articles he cites, 'The Hazard in Consuming Raw Milk' (in The Western Journal of Medicine), the authors actually state that 'Salmonella and campylobacter diseases in humans are generally not serious. But in persons with compromised health (particularly those with malignant conditions and immunosuppressed by disease or therapy), these infections may be serious.'



"So, the gist of the state's argument against certified raw milk is that it might possibly on isolated occasions cause serious disease in some people whose immune systems have been compromised by the toxic effects of chemotherapy. And because of this very slight risk, those of us who might choose to drink certified raw milk for the benefits I have catalogued should be denied that right."



Fortunately, the members of the Environmental Committee saw through the shallowness of the state's argument and voted in favor of raw milk.



Milk in History and Evolution

Not everyone agrees that milk should be part of the human diet after infancy. The argument is made that just as all other species drink no milk after weaning, neither should we, especially that of another species. Many adults have difficulty digesting pasteurized milk, and allergies to pasteurized milk products are common. While this lends credence to arguments against milk, such reactions are usually due to pasteurization itself and the poor quality of conventionally produced milk and milk products. While for some individuals genetic influences play a role, for most people, the body's reaction to milk depends largely upon the quality and state of the particular milk used.



The Swiss of the Loetschental Valley were one of the few native groups Weston Price studied that used milk. (The others were certain African tribes, including the Masai.) The Swiss valley-dwellers used raw whole milk, both fresh and cultured, cheese and butter, all in substantial quantities. The milk was from healthy, grass-fed animals and was used unpasteurized and unhomogenized. Such foods clearly can play a major role in a health-building program for the individual genetically enabled to utilize these foods well. They are a rich source of fat-soluble vitamins A and D and other crucial nutrients in short supply in diets lacking in high quality animal fats. (Contrary to popular opinion, liberal amounts of animal fats, particularly from grass-fed animals, are essential for good health and resistance to disease.)



Yet it is possible to attain optimal health without dairy foods. Price discovered groups using no dairy foods that had complete resistance to dental decay and chronic disease; their diets invariably included other rich sources of animal fats, calcium and other minerals. The soft ends of long bones were commonly chewed, and the shafts and other bones were used in soups.



Modern medicine has discovered the importance of a substantial intake of calcium. Several recent studies have linked high blood pressure and other problems to chronic subclinical calcium deficiency, including increased incidence of colon and prostate cancers in men and osteoporosis and osteoarthritis in both men and women. Paradoxically, other problems are associated with high consumption of dairy foods; this has not gone unnoticed by researchers, nutritionists and holistic physicians.



The difference between fresh raw milk from grass-fed cows and processed milk explains the paradox. This concept has not been considered in attempts by today's medical community to explain the health effects of dairy foods.



Domesticated animals were first used for milk eight to ten thousand years ago, as a genetic change affecting mostly people in Europe, the Middle East and parts of Africa enabled them to digest milk as adults. Milk from domesticated animals then began to become important as a human food. With domestication and settlement, fewer wild animals were available; as groups of people roamed less, they hunted less, eating more grains and vegetables. In some cultures, milk replaced animal bones as the chief source of calcium and some other minerals.



In indigenous cultures where adults used milk, often it was used as cultured or clabbered milk. This is similar to homemade raw yogurt, and it is partially predigested-much of the lactose (milk sugar) has been broken down by bacterial action. This process must be accomplished over a period of several hours in the stomach when one drinks fresh milk; yogurt or clabbered milk is much more easily digested than fresh milk.



Adaptations in evolution are always the effects of particular causes. Humans developing the ability to digest milk into adulthood possessed a survival advantage; such changes are the basis of evolution. Put simply, many human beings evolved the ability to easily digest raw milk because raw milk from healthy, grass-fed animals gave them an adaptive advantage; it made them stronger and more able to reproduce. Such milk remains a wonderful food that provides us with fat-soluble nutrients, calcium and other minerals that are by and large in short supply in the modern diet.



In the six years since I presented the testimony quoted above, I have become more convinced than ever of the value and importance of raw milk in the diets of people of all ages. For many of the people who eat in the manner I recommend, raw milk is the chief source of enzymes. I believe enzymes are a critical component in recovering from disease and establishing and maintaining health. Hundreds of people I've seen have used Local Farm raw milk as an essential part of their naturopathic treatment.



There isn't a day that goes by that I'm not thankful that I live in a state where bureaucrats and medical monopolists have not stripped us of what should be an inalienable, constitutional right. I mean the right to purchase raw milk and other healthy, locally produced foods directly from the people who produce them.



It's impossible to overestimate the importance of the work Debra Tyler and farmers like her are doing. I long to see the day when all Americans have the right to purchase locally produced raw milk, meat, fowl and other farm products directly from the farmers who produce them. I hope to see the day when the current yoke of prohibitions and bureaucratic red tape will be thrown off, and we once again will be free to produce and consume truly healthy foods. The men and women who founded this country did not intend for commercial interests to control the food supply and thus our health. These are rights of the people, and they are rights that have been stripped away. We need to work together to regain them.





--------------------------------------------------------------------------------



About Ron Schmid

Dr. Ron Schmid has practiced as a licensed naturopathic physician in Connecticut since graduating from the National College of Naturopathic Medicine in 1981. A graduate of the Massachusetts Institute of Technology as well, he has taught courses and seminars in nutrition at all four of the accredited naturopathic medical schools in the United States. He served for a year as the first Clinic Director and Chief Medical Officer at the University of Bridgeport College of Naturopathic Medicine. He is a member of the American Association of Naturopathic Physicians and the Connecticut Society of Naturopathic Physicians, and is on the Honorary Board of the Weston A. Price Foundation. He is also the manufacturer of 100% pure, additive free nutritional supplements. Dr. Schmid is the author of Traditional Foods Are Your Best Medicine, first published in 1986.

  ...read more



robert shumake

John Roberts switches to FOX <b>News</b> | Inside TV | EW.com

John Roberts, the veteran newsman who co-hosted CNN's American Morning for three years, is joining the competition. “We are excited to welcome Jo...

Social <b>News</b> Site Reddit Reports 200%+ Growth in 2010

Social news site Reddit posted year-end numbers this afternoon including January and December page view stats that climbed from 250 million pageviews to more than 3X that number, ...

Moore: EA not backing away from Tiger <b>News</b> - Page 1 | Eurogamer.net

Read our news of Moore: EA not backing away from Tiger.


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That Screams New Hampshire by Ic...


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