George Curry was enjoying life away from coaching.

He finally had a chance to take extended vacations with his wife, Jackie. He had more time to spend with his six grandchildren. And his high school football fix was eased by his work as a radio and television analyst.

In mid-June, Gary Campbell, who had replaced Curry at the Northeastern Pennsylvania school, announced that he was stepping down and taking a position in his home state of Massachusetts.

"The other coaches wanted me to take it, the school board wanted me to take it, and the players wanted me to take it," Curry said. "It was a whirlwind, to be honest with you. I was totally retired."

Life as a retiree was nice, but not good enough to keep Curry away from his beloved Dawgs. He took the job on June 17, ending a three-year sabbatical.

"I told my wife I'd see her at Christmas," the 68-year-old joked. "That's just the way it is."

This is Curry's second return to the sideline. When the coaching bug hit him almost immediately after he stepped down at Berwick in 2005, he coached for three years at nearby Wyoming Valley West.

So far, his second stint with the Dawgs has been a major success. The squad has won its first three games by a combined 139-35. It routed visiting Dallas, 50-14, Friday night.

"Once I got in it, it was like I never left," said Curry, a part-time driver's education instructor. "I love it. I love what I'm doing."

All but two of Curry's coaching assistants have played for him. And many of the 72 varsity players are second-generation Dawgs.

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Rick O'Brien: Unretired Curry back at Berwick

Video Link: https://www.youtube.com/watch?v=TeUzJmU25Rc

16-09-2012 18:29 Subscribe Now: Watch More: A bent-over row needs to be performed in a very particular way if you're going to see any of the benefits from this specific exercise. Do a bent-over row with help from a health and fitness expert with fifteen years of experience in this free video clip. Expert: Jeremy Shore Bio: Jeremy Shore is a health and fitness expert with 15 years experience in the fitness industry. Filmmaker: Jeremy Shore Series Description: Staying fit and being healthy is all about what exercises you're doing and how you're doing them. Learn about the basics of fitness and put together a routine that works for you with help from a health and fitness expert with fifteen years of experience in this free video series.

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How to Do a Bent-Over Row : LIVESTRONG - Exercising with Jeremy Shore - Video

When we're laying the groundwork for our retirement plans, many of us spend hours noodling on optimal asset allocations, withdrawal rates, and income-replacement rates.

But another metric tends to receive far less scrutiny even though it's a far bigger determinant of whether we can retire when and how we'd like to: how much of our income we're able to save while we're working.

I recently surveyed Morningstar.com users about their own savings rates. Posting in the Investing During Retirement forum of Morningstar.com's Discuss forums, I asked readers if they had stuck with the old rule of thumb and saved 10% of their salaries, or if they had nudged their own savings rates higher. I also asked them whether in hindsight their savings rate was too high, too low, or just about right?

Responses, not surprisingly, ran the gamut, and many posters noted that they hadn't saved a fixed percentage throughout their pre-retirement years. Rather, many readers said that they saved somewhat half-heartedly in their younger years, then kicked up their savings rate aggressively when they started to get "real" about retirement, often in their 40s and 50s. "I wish I had started saving more aggressively earlier on!"--or some variation of that statement--was a frequently echoed refrain. To read the complete thread or share your own retirement-savings rate, click here.

'I Have Been Making Up for Lost Time'Although some readers advocated for a flat savings rate, many posters noted that their savings rate trended up as they aged, no doubt the result of a confluence of factors, including higher absolute levels of income, which makes it easier to save, and a greater sense of urgency about retirement, which naturally increases as we age.

The savings pattern laid out by Keith999, who expects to embark on a financially secure retirement soon, will ring true for many investors. "In my 20s I spent, in my 30s I spent more, then in my 40s began saving about 6% of salary, early 50s about 12%, and the last 10 years I/we saved 20% of two salaries. The last 10 years probably represent over 50% of the total saved and indeed has put us over the top of what we need."

ColonelDan's savings rate moved up in stairstep fashion: "I managed to save/invest 5%-10% of my early meager military pay; 10%-15% of military pay in the latter half of those 24 years; 20%-25% of my regular civilian salary plus 100% 401(k) catch-up amount, 100% employer's 401(k) match, and 100% of all bonuses."

Cterry notes that increasing one's savings rate as retirement approaches can have the salutary effect of preparing a pre-retiree to live on a lower income during retirement. "The advantage to ramping up savings so much in the nine years before I retired was that I didn't have to worry about 'Some advisors recommend 90%-100% of current income for retirement--do I need that much?' because I already was living on 70% of my gross."

Playing catch-up is the name of the game for many pre-retirees. For FidlStix, running the numbers on in-retirement income needs was a wake-up call. "About eight years ago I did my first estimate of how much income I might need during retirement. That was a shocker. I was 10s of thousands [of dollars] behind where I needed to be at that point. Since then, I have been making up for lost time. I jumped my percentage of salary saved to 22% including a 5% company match. I also started a Roth IRA five years ago, contributing about 10% additional on average. My total saved this year will be about 38% counting the Roth."

'I Was Finally Able to Really Do Some Saving'Family matters also figured heavily into many posters' savings-rate patterns. Not surprisingly, many readers noted that helping to defray college costs for their children had put a strain on their savings, but with college over, they were able to sock much more away. Juris2 wrote, "I've saved a bit more since my kids ended college in 2003 when I started a supplemental retirement account (SRA). I'm currently putting about 25% per year in my retirement account and SRA combined, including employer contribution, as I approach retirement in two years. (Almost all savings accumulated beyond the RA and SRA were wiped out by college costs for my kids.)"

Original post:
How Much Did You Save for Your Retirement?

By Yasmine C. Hidalgo Philippine Daily Inquirer

Overseas Filipinos dream of success. They want to earn a lot of money to care for their families and also to achieve self-actualization in the process.

The United Arab Emirates is a top choice for many overseas workers, especially professional and skilled workers. Salaries are tax free in the UAE.

But its easy to lose sight of ones goals therewhat with the wide array of luxury brands on display in shopping malls, and the many leisure activities in swanky hotels and dining places.

Jeffrey Ramos, a Human Resources professional, discovered this the hard way. He had landed a good job as a personnel officer with a prestigious hotel chain in Dubai. He enjoyed his upscale lifestyle. He indulged, you might say. Then one day he lost his job.

Losing ones job is an eye opener, he shares, adding that it sent him through a wrenching personal crisis.

In the UAE, as in many Middle East countries, ones working visa depends on the sponsorship of an employer. A foreign worker is given one month after losing his employersponsored visa to find another job or leave.

When you lose your job, your whole life crumbles because you put everything in your career. You dont know what to do. Success went to my head, he admits. He realized that he had wasted time and opportunity. Time is a gift of God, he adds.

Painful loss

Losing a job is totally demoralizing. Grieving about this situation is not the solution, he goes on.

Original post:
Hard-earned secrets of success

East Sussex, England (PRWEB) September 16, 2012

Defining women within the context of business is not something that Katie Day likes to do. In her new book, The High-Heeled Leader, she expands the definition to include embracing femininity, personal experiences and professional success.

Day wrote the book as a complement to her work as a training consultant, business coach and personal style consultant for women in business, as well as those hoping to break into the professional world.

As a training consultant, business coach and personal style consultant, Ive been helping women recognize their own strengths for over two decades, Day says. My view is that every woman is magnificent and knowing this comes from how she thinks about herself on the inside.

Days experience working with hard topics comes from a personal place. In the book, she is open about the life experiences that shaped her into the woman she is, including failed marriages and a difficult relationship with her father.

My own road to self-recovery is what prompted me to start my work as an empowerment and leadership trainer, Day says. I never ask my readers to do anything that I havent done myself.

I want to help every woman discover that she is an amazing, powerful person. I dont care what dress size she wears, what budget she has or what she does for a living--every woman can step into, and own, her authentic feminine power.

For more information, visit Amazon, Barnes and Noble and Balboa.

Connect with Katie on Twitter and her website, http://www.katieday.com

The High-Heeled Leader By Katie Day ISBN: 978-1-4525-5126-5 Softcover, retail price: $17.99 Hardcover, retail price: $35.99 E-book price: $3.99

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New Book Reveals the Modern Day High-Heeled Leader

Published on: 16th Sep 2012

In yet another sign that the technology industry has entered the post-PC era, personal computers during the second quarter accounted for less than half of the market for DRAM -- the first time in a generation that they didn't consume the majority of the leading type of semiconductor memory. PCs in the second quarter accounted for 49.0 of DRAM bit shipments, down from 50.2 percent in the first quarter, according to IHS iSuppli.

The fall is notable, given that the share of PCs hasn't dipped below 50 percent since the 1980s, when personal computers were a new product whose sales were rising at rapid clip. After accounting for the overwhelming share of DRAM buying for decades, average PC share from the first quarter of 2008 until the fourth quarter of 2011 hovered at approximately 55 percent, with share fluctuating periodically but generally trending down.

An Era Explained

This event symbolizes the decline of the PC market because of smartphone and media tablets. However, beyond symbolism, the development also illustrates the diminishing dominion of PCs in the electronics supply chain.

"The arrival of the post-PC era doesn't mean that people will stop using personal computers, or even necessarily that the PC market will stop expanding," said Clifford Leimbach, memory analyst at IHS. "What the post-PC era does mean is that personal computers are not at the center of the technology universe anymore -- and are seeing their hegemony over the electronics supply chain erode. PCs are no longer generating the kind of growth and overwhelming market size that can single-handedly drive demand, pricing and technology trends in some of the major technology businesses."

The fact that PCs have lost their majority share of the DRAM market -- an area completely defined and dominated by personal computers for about 30 years -- represents a major milestone and the arrival of a new era in technology.

"For DRAM suppliers, the focus in the future increasingly will be on serving the needs of fast-expanding new markets for smartphones and tablets, at the expense of catering to the PC business," Leimbach said. "This follows other indications of the waning influence of the PC business in the electronics business. Such factors include the declining power of the Wintel alliance, as well as Apple Inc.'s smartphone- and tablet-driven ascendency to chip purchasing leadership above traditional PC-oriented frontrunners like Hewlett-Packard."

Memory Modification

During the period from the second quarter of this year to the fourth quarter of 2013, the portion of DRAM shipments accounted for by PCs will contract another 6 percentage points, sliding to 42.8 percent, as shown in the figure below.

Excerpt from:
Sign of the Times: PC Share of DRAM Market Dips Below 50 Percent for First Time

by SAM PIZZIGATI The Gilmer Mirror

Virtually, Anything Goes with Online Education

State officials are allowing tax dollars to underwrite K-12 virtual disasters.

BySam Pizzigati

The sounds of September: school bells ringing, loose-leaf binders snapping open and shut, sneakers squeaking on gymnasium floors. Next to apple pie, what could possibly be more American than these familiar sounds and the local public schools where we hear them?

But times change. Blackboards and chalk no longer grace every classroom. Even pre-kindergarteners in the best-equipped schools gather around interactivesmartboardsand tap away on tablet computers. With the Internet, we can share lessons across borders.

In the new Information Age, are local public schools becoming obsolete? Do we need a new model for educating our young? Some sort of revolution in teaching and learning?

Questions like these demand thoughtful and patient democratic deliberation that we're not getting. In today's deeply unequal United States, we're rushing to an educational future that profits our awesomely affluent few at the expense of the rest of us.

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Virtually, Anything Goes with Online Education

CARBONDALE - Hundreds of informative and interesting non-credit classes are just a computer away with Southern Illinois University Carbondale's "Education to Go" online program.

The University's Continuing Education and Outreach, in partnership with ed2go, offers more than 350 online, instructor-led courses covering a wide variety of topics and specialties. The courses are convenient and interactive, and feature lessons, quizzes, hands-on learning, discussion areas and supplementary work.

While the courses do not earn SIU Carbondale college credit, Continuing Education and Outreach keeps course completion records on file for transcript requests. Some courses offer continuing professional education credit.

Courses start at $94, and include most materials. The diverse course offerings cover everything from how to start your own business, invest in real estate, web technology and security, computer programing, accounting, creative writing, medical coding, several languages, grammar, and protecting your money, credit and identity, and many more topics.

The numerous class options, which are sure to fit every interest, are available at ed2go.com/siuc/.

There are three different types of online courses -- professional development, career training programs, and academic prep success classes.

Instructor-led courses are for professional development and personal enrichment. Each session is six weeks long. A new session begins each month in an interactive learning environment. Students who earn passing scores receive an award of completion.

Career training programs feature personal instructor assistance, and will prepare participants to start a new career or earn industry certification. These programs take less than six months to complete. Students may start classes at any time, and they will earn a certificate of completion for a passing score at the end of the course.

Academic success prep classes also begin at any time and take six to 12 weeks to complete. These classes feature an interactive learning environment and instructors offering individual guidance. Participants who earn passing scores at the end of the course will receive a confirmation of completion. The University's six-week test prep courses are quite popular, particularly the Graduate Management Admission Test (GMAT). SIU Carbondale also offers courses preparing people to take the Graduate Record Examination (GRE), General Educational Development (GED) and ACT.

All classes are completely web-based. Dedicated professionals provide instruction, answer questions, offer feedback and even facilitate online discussions.

Link:
'Education to Go' online classes are available

George Curry was enjoying life away from coaching.

He finally had a chance to take extended vacations with his wife, Jackie. He had more time to spend with his six grandchildren. And his high school football fix was eased by his work as a radio and television analyst.

Then, unexpectedly, the opportunity to return to Berwick, where he spent 35 seasons and guided the Dawgs to six PIAA Class AAA state championships, presented itself.

In mid-June, Gary Campbell, who had replaced Curry at the Northeastern Pennsylvania school, announced that he was stepping down and taking a position in his home state of Massachusetts.

"The other coaches wanted me to take it, the school board wanted me to take it, and the players wanted me to take it," Curry said. "It was a whirlwind, to be honest with you. I was totally retired."

Life as a retiree was nice, but not good enough to keep Curry away from his beloved Dawgs. He took the job on June 17, ending a three-year sabbatical.

"I told my wife I'd see her at Christmas," the 68-year-old joked. "That's just the way it is."

This is Curry's second return to the sideline. When the coaching bug hit him almost immediately after he stepped down at Berwick in 2005, he coached for three years at nearby Wyoming Valley West.

So far, his second stint with the Dawgs has been a major success. The squad has won its first three games by a combined 139-35. It routed visiting Dallas, 50-14, Friday night.

"Once I got in it, it was like I never left," said Curry, a part-time driver's education instructor. "I love it. I love what I'm doing."

More:
A coaching legend returns

Chris Thompson spent a long night in the hospital after last years Wake Forest game with two broken vertebrae in his back.

He wasnt sure if he would walk again let alone ever step foot on a field again.

I was in that hospital bed and so many thoughts were going through my mind, Thompson said. I didnt know if I wanted to play football again. I didnt know if I was going to play. I didnt know if I was going to be walking straight or anything like that.

Thompson didnt need surgery, rehabilitated with FSUs training staff and was back in August for practice. And he had some good runs in the first two games of the season. But he saved something special for Saturday.

After what was an emotional week, Thompson delivered two breathtaking runs of 74-yard and 80-yard touchdown on back-to-back plays in the second quarter of No. 5 Florida States 52-0 rout of Wake Forest before 68,833 fans at Doak Campbell Stadium.

In his third game back for FSU (3-0, 1-0 Atlantic Coast Conference), Thompson ran for 197 yards on nine carries all of them in the first half.

What a difference a year makes, FSU coach Jimbo Fisher said. It cant happen to a better young man.

The always-smiling Thompson was quick to praise his teammates for his long runs, which were boosted by blocks initially from the offensive line and fullback Lonnie Pryor as well as downfield blocks from wide receivers.

They were giving me all the props for making the touchdowns, but all I had to pretty much do was just run, Thompson said. I didnt have to make any great cuts. I didnt have to break any tackles, anything. My long runs were pretty much just open field runs. I thank those guys for doing that.

The appreciation was mutual. Thompson received a game ball in an emotional postgame locker room, and teammates were thrilled for him to have a big game against the team that he was injured against just 11 months ago.

Excerpt from:
RB Chris Thompson’s stellar day in FSU’s rout of Wake Forest caps personal comeback