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Availability: Usually Ships Within 24-48 Hours
Blue Goo Deep Heating Pain Relief Cream with 100% Pure Emu Oil - 6 oz. (170 g)
BlueGoo is the "Name to Trust in Pain Relief!" Blue Goo Deep Heating Pain Relief Cream provides long lasting, fast acting pain relief. Blue Goo is formulated with 100% pure emu oil to loosen muscles and tendons. Use Blue Goo Deep Heating Pain Relief Cream before activity to help warm up muscles.
Blue Goo Deep Heating Pain Relief Cream provides penetrating pain relief from:
Blue Goo Ingredients and Uses:Blue Goo is loaded with MSM, Glucosamine HCL, Chondroitin Sulfate, Emu Oil, Menthol and White Willow Bark and many more herbs that all work together synergistically to reduce and relieve those nagging aches and pains quickly.
Why Emu Oil? Emu oil is a completely safe, 100% natural moisturizer and pain reliever. Emu oil is used in skin care and beauty products for the body, skin, nails, and hair; in pet products to reduce itchy skin from fleabites and to make a dull coat shine. Most importantly, emu oil can be used alone or combined with other ingredients to relieve pain. Emu oil contains no steroids or hormones, and is known for its normalizing abilities-it can slow down an over-performing body function or speed up one that is not performing well enough.
Emu oil can:Penetrate through and condition multiple layers of skin, reduce swelling and muscle soreness, heal burns, wounds, injuries, minor cuts and scratches, prevent and reduce scarring by enhancing the skin's growth activity, improve condition and rate of growth of hair, skin and nails, soothe discomfort from sunburns, insect bites, acne, eczema and rashes, help skin to withstand colder climates.
Characteristics of emu oil:
How does Emu Oil work? Emu oil works better than other natural oils for several reasons:
Emu Oil and Pain Relief: What You Need to Know BY DR. GOO
Emu oil sounds like an exotic ingredient for pain relief products, and in some ways it is. Many people aren't aware of the benefits of emu oil and its pain relieving properties. However, despite the general lack of familiarity with emu oil, it's actually had a long history of being an effective pain relieving aid.
The use of emu oil dates back thousands of years. The Australian Aborigines used emu oil as a remedy for a variety of different ailments. They found that it was effective in treating muscle soreness, joint soreness, swelling, inflammation, headaches and even burns. Emu oil was rendered from the fat of emus and was a cure-all in Aboriginal culture.
When they introduced emu oil to European settlers, emu oil became even more popular. Later, science proved what Aborigines had known for centuries – emu oil is effective and safe to use. There are many benefits to this wonderful natural product.
Emu oil is an ideal pain relieving agent because it is completely steroid and hormone free. Products that contain emu oil can help your muscles relax, help heal infection, help moisturize and bring healing deep into your skin. Best of all, it's 100% natural!
Emu oil is one of the active ingredients in BlueGoo and it helps make the product superior for pain relief and relaxation.
What is MSM? Scientists are still uncertain exactly how MSM works to help the body. We do know that the body uses sulfur in the formation of connective tissues. One theory about how MSM works notes that sulfur appears to be a necessary element for healthy cartilage. Patients who have arthritis appear to have about one-third the level of sulfur in their cartilage than is found in the cartilage of healthy people who do not have arthritis.
Other theories focus on the formation of pressure-inducing fluid in cells. Joints become stiff when toxins around the cell walls in the body create a leathery membrane that keeps fluid and toxins in the cell. Once it is filled with fluid, the cell begins to swell with fluid, putting pressure on nerve endings and creating stiffness. It is believed that MSM makes ceils permeable so fluids can flow freely through the cell wall, removing the toxins in the cell, thus promoting healthy joint lubrication.
MSM is believed to increase energy at the cellular level by catalyzing the chemical reactions which change food into energy. Some researchers have theorized that this chemical reaction may explain the impressive pain-relieving qualities of MSM. MSM also works to help in maintaining the structure of the proteins in the body, helping the formation of keratin which is essential for hair and nail growth, aiding in the production of immunoglobulin which maintains the immune system, and catalyzing the chemical reactions which change food into energy.
Researchers continue to study MSM and are trying to understand exactly how MSM works in the body. There is, however, a strong link between sulfur and pain relief in humans. For thousands of years, people have visited natural hot mineral springs that are rich in sulfur to relieve their joints and muscles from pain.
Pain Management for Muscle Pains and Strains BY DR. GOO
Virtually everyone has experienced some type of muscle pain or strain in their lives. Whether it's from taking part in your favorite sport, spending hours on the computer or just general injuries, we've all experienced muscle pain. But what exactly causes muscle pain? Let's take a look at some of the major factors.
Each of your muscles is made of approximately 2,000 separate fibers, and each of those fibers can be an inch to four or five inches long. Your muscles are responsible for moving every part of your body. They tense up in order to conduct the movements that you want to make. Although this tension helps get the job done, having too much tension in your muscles over a short period of time can cause muscle pain. The fibers become overexerted and your body sends pain signals as a sign that you need to avoid moving those muscles. If you're experiencing muscle pain in one specific part of your body, you've likely overexerted yourself. When muscles are used too much beyond their tolerance level or are strained, the result is muscle pain. For example, you may not have trouble playing football with your kids, moving boxes in the garage and mowing the lawn on their own, but if you try to squeeze them all in on one day you may have problems. Alternatively, you may be doing something that you'd normally have no problem doing (like running) and twist or pull your muscle in such a way that they are overexerted and strained.
A third major cause of muscle pain is repetitive tasks, like typing in a desk or playing video games. These activities may not seem like they can cause a lot of muscle pain, but the repetitive motions can make your muscles sore overtime.
Any of these situations can cause muscle pain that can last for days or even weeks. However, there may can be other causes of muscle pain. If you have overall pain in your muscles that isn't the result of some type of physical activity, you may be coming down with the common flu. Certain insect bites or allergies can cause muscle pain and stiffness. If you're experiencing unexplained muscle pain that lasts more than three days and is accompanied by a fever or other symptoms, it's time to get to the doctor.
Generally speaking though, most people experience muscle pain from some type of injury or overexertion. If your muscle soreness is from physical activity, you can avoid injury in the future by stretching properly beforehand, not trying to squeeze too much into one day and work on your overall flexibility. You can prevent muscle soreness from repetitive movement by taking frequent breaks and doing specific exercises to stretch and strengthen your muscles.
Both of these types of muscle pain can be helped with BlueGoo, a topical pain relief cream. Applied to the skin, BlueGoo helps relieve muscle pain of all types no matter what the cause.
Adults and children 6 years of age and older: Apply liberally to affected area not more than 3-4 times daily.
Children under 6 years of age: Do not use.
Usage Tip: For ease of use, consider storing bottle upside down between applications.
Active Ingredients: Methyl salicylate 15% (counter-irritant), Menthol 10% (topical analgesic)
Inactive Ingredients: water (aqua), ceteareth-20, cetearyl alcohol, stearic acid, cetyl alcohol, emu oil, MSM (methylsulfonylmethane), dimethicone, aloe barbadensis gel, allantoin, sodium chondroitin sulfate, glucosamine HCI, ginger extract, panthenol, polysorbate-20, fragrance (parfum), carbomer, diazolidinyl urea, methylparaben, polyparaben, triethanolamine, red #33
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News From Western Pennsylvania
We Walk for our Daughter
"It all started when our first daughter, Avery, turned 2 years old. We noticed that she was limping on her right ankle, especially in the morning. Upon further inspection, her shoes were also not fitting the same due to swelling in her foot." Click here to read about why Avery's family participates in the 2013 Arthritis Walk- Pittsburgh.
An Ancient Practice that is Proven to Reduce Arthritis Pain
Tai Chi is an ancient practice proven to reduce pain and improve your mental and physical well-being. The Arthritis Foundation Tai Chi Program, developed by Dr. Paul Lam, uses gentle Sun-style tai chi routines that are safe, easy to learn and suitable for every fitness level. Click here to learn the benefits of tai chi and to learn about classes near you.
2013 Arthritis Expo
The second annual Arthritis Expo, presented by Tri Rivers Surgical Associates, will be held on Saturday, May 4, 2013, from 10 a.m. to 2 p.m. at La Roche College, 9000 Babcock Blvd., Pittsburgh, PA 15237. Click here to learn all about the upcoming Arthritis Expo.
Dr. Starz Answers Three Common Questions About Osteoarthritis
Terence Starz, MD is the 2013 Pittsburgh Arthritis Walk Medical Honoree. He has been involved with the Arthritis Walk since its inception at the "Joint Parade" in the 1980s and has served as Walk Chair for several years. Click here watch a video of him answering the top three questions he receives from patients related to osteoarthritis.
Breaking the Pain Chain: All About Osteoarthritis Pain
Osteoarthritis (OA) is joint damage that has been caused by ongoing localized trauma (injury) to the joint. It is the typical arthritis people start to feel as they begin to enter middle age. It can also occur in young individuals often following an injury. Click here to learn about arthritis pain and a new program being offered by the Arthritis Foundation for pain management.
2013 Advocacy Summit
Have you checked out the Arthritis Foundation Advocacy Summit blog? Click here to read about Tonya and Amy's experience and what it is like to have your voice be heard on Capitol Hill!

subset: commoncrawl


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Speaks truth to me.Thursday Jul 7 @ 01:59am
"I make mistakes. That's what I do. I speak without thinking, I act without knowing. I drink so much I can barely walk… I'm a fantastic lover though, and an amazing friend. God knows I mean well."
When you're tired you take a nappa, you don't MOVE to Nappa! SATC, I love this episode :) Thursday May 5 @ 12:33am
I keep listening to "You've Got the Love" by Florence and the Machine and keep wondering why this song sounds so familiar…
Someone's seen too much Sex & the City lately.Tuesday Apr 4 @ 11:46am
The most important thing in life is your family. There are days you love them, and others you don't. But, in the end, they're the people you always come home to. Sometimes it's the family you're born into and sometimes it's the one you make for yourself. Sex and the City Wednesday Apr 4 @ 11:39pm
Wednesday Mar 3 @ 11:42pm
This is seriously my addiction. I adore this show.
Wednesday Mar 3 @ 11:41pm
You're the one!
Wednesday Mar 3 @ 11:19pm
We're soul mates
OMG I laughed so much!
Lily has the craziest aunts ever!
Wednesday Mar 3 @ 11:18pm
one of my favorite pics ever!
They say nothing lasts forever; dreams change, trends come and go, but friendships never go out of style. Carrie Bradshaw (via iheartsexandthecity) Wednesday Mar 3 @ 11:09pm
Wednesday Mar 3 @ 11:04pm
Carrie being Carrie. =D
After years of living in the city I assumed that if my friends and I ever got our fairytale endings, that would be the end of the story. But real life always has a twist. Carrie Bradshaw (via iheartsexandthecity) Wednesday Mar 3 @ 11:00pm
"After a while, you just want to be with the one that makes you laugh." -Mr. Big
Now, as wonderful and cute as Aidan was - I think Big is just so… perfect for Carrie.Wednesday Mar 3 @ 10:59pm
I don't believe in the Republican party or the Democratic party. I just believe in parties. Samantha Jones (via iheartsexandthecity) Wednesday Mar 3 @ 09:56pm


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Moisture- and Mold-free Basement Living
By relying on building science and well-thought-out design techniques, this room doesn't look or feel like a typical basement.
Photo credit: Myron Ferguson
Because of the lack of natural light and lower ceilings, basements can be easily brightened with light colors and decorative drywall work. Take advantage of basements' interesting angles; use soffits and boxed-in areas to create decorative accents.
Photo credit: Myron Ferguson
Recessed lights are common in basements because of lower ceiling heights, but they essentially become spotlights. Wall sconces or concealed LED light strips that light across surfaces can offer a nice, upgraded look.
Photo credit: Myron Ferguson
Homeowners should be prepared for the worst. This basement features a treated plate caulked in place with cement board about 10 inches up from the floor instead of drywall along the bottom. Baseboards should be an inorganic material, such as tile.
Photo credit: Myron Ferguson
Use mold- and moisture-resistant products where practical. Tile, stone, PVC products, such as vinyl cornerbeads, and other inorganic products will help reduce damage should moisture problems occur even after all the preventative work is done.
Photo credit: Myron Ferguson
This basement was finished with moisture-resistant techniques despite never experiencing moisture problems. No insulation was put in the metal-framed wall before drywall was hung. The outside of the foundation has 2 inches of extruded foam. The rim joist area was sealed with 3 inches of spray foam. Along the foundation wall, a channel in the floor leads water to a sump-pump pit.
Photo credit: Myron Ferguson
Many basements are damp, musty, leak air and have little natural light. As a lifetime drywall contractor, I have hung more than my share of drywall in basements. I would just hang and tape some moisture-resistant drywall and be on my way. In 2009, I became a building-performance analyst through the Malta, N.Y.-based Building Performance Institute and a year later a green-home verifier through the National Association of Home Builders, Washington, D.C. My building-science training helped me realize I needed to spend more time thinking about solving the moisture/water problem first and incorporating construction techniques that prevent moisture from moving into unwanted areas.
When dealing with a moisture/water problem, first eliminate the source; then, remove or divert the pathways; and finally, install resistant materials. Understanding building science is very important. The practical purpose of building science is to provide predictive capability to optimize building performance and understand or prevent building failures. When creating living space in a basement, the failures could involve moisture intrusion, air quality and energy efficiency.
Moisture Intrusion
If a moisture problem is discovered in a basement, you must solve the moisture problem before doing any construction work. First, identify the cause. To tell if walls are damp from exterior water or condensation from humid interior air, tape a 2-foot square sheet of plastic to the masonry on a below-grade area of the wall.
Condensation can appear as water droplets, wet spots or puddles on basement floors and walls. It happens when moist, warm air hits cool foundation walls or uninsulated cold-water pipes, dampening carpets, rusting appliances and making the basement clammy. If moisture collects on the front of the plastic, it is condensation.
There are several ways to solve condensation problems:
- Insulate: Insulate surfaces where condensation is likely to occur, such as cold-water pipes and ductwork. Installing continuous insulation along the foundation wall will help prevent air from cooling and reaching its dew point, which is the temperature at which moisture changes to liquid form based on the relative humidity of the air before it cools. Warm air can hold more moisture than cool air; 80 F air with high humidity will reach its dew point at a higher temperature than 80 F air that has a lower humidity. Having a continuous air barrier at the same location as the insulation also will help.


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SOPH-NORC Roundtable Luncheon
Authorship Determination in Peer-Reviewed Publications
|Tue 9/04/2012
11:30 AM – 1:00 PM, lunch included
|3rd floor Lister Hill Library
Ireland Room
1700 University Boulevard
|PDF file
This informal luncheon on authorship is being offered in order to help investigators consider and negotiate authorship decisions. At this roundtable discussion, senior representatives of all five departments will offer insights as to how they navigate decisions about determining, ordering, and apportioning credit to authors. General questions and current concerns are encouraged to be discussed at the Q&A period.
|All SOPH Faculty & Fellows, Office of Energetics, and all NORC Fellows.
|Email your interest to Richard Sarver, email@example.com, or call 205.975.9169.
As lunch will be served, please RSVP prior to Fri 8/24/2012.
|David B. Allison, PhD: SOPH Dean's Office
- Susan L Davies PhD: Health Behavior
- Michelle Fanucchi PhD: Environmental Health Sciences
- George Howard, DrPH: Biostatistics
- Michael Morrisey PhD: Health Care Organization and Policy
- 5. Elizabeth Delzell MSPH SD & Craig Wilson MD: Epidemiology
Some questions that will be considered:
- How do you determine who is an author?
- How do you determine order of authorship?
- How do you determine corresponding author?
- As an evaluator of faculty (e.g., tenure and promotion), how do you determine/apportion credit for authorship?
- How does/should this vary by journal, field, department, or institution?
- Do you believe there are some common misuses of authorship which should be corrected?


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Check Out Poetry Pulitzer Prize Winners
Published on Tuesday, July 21, 2009 - 4:47pm
The Pulitzer Prize has been honoring excellence in journalism and the arts since 1917.
Read these prize winners:
- The Shadow of Sirius by W.S. Merwin (2009)
- Time and Materials by Robert Hass (2008)
- Failure by Philip Schultz (2008)
- Native Guard by Natasha Trethewey (2007)
- Late Wife by Claudia Emerson (2006)
- Delights&Shadows by Ted Kooser (2005)
- Walking to Martha's Vineyard by Franz Wright (2004)
- Moy Sand and Gravel by Paul Muldoon (2003)
- Practical Gods by Carl Dennis (2002)
- Different Hours by Stephen Dunn (2001)
- Repair by C.K. Williams (2000)
Find these titles in the library catalog. Place a hold to have a book delivered to the library nearest you.
For more past winners and nominees, visit the Pulitzer Prize Website.


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About This Video
The key to winning an election is much more than simply turning out more voters than your opponent. You need to learn the techniques that successful campaigns have been using for years, and then adapt them to fit your winning formula. A successful door to door effort could be the difference you need to win!
Patricia Simpson
Patricia is the Director of Political and Career Programs at the Leadership Institute. In addition to overseeing the Department's trainings, she manages all aspects of Conservative Jobs - the Institute's free job placement service. Prior to this position, she served as the Institute's Director of Online Training, where she managed the online production and distribution of LI programs to strategic partners and to the general public. During her early days at LI, she served as the Deputy Director of Grassroots where she was responsible for identifying, recruiting, and training conservative leaders and activists around the country.
Patricia came to LI with a background in campaigns and grassroots organizing - spending time working on national, state, and local races as well as organizing small business owners through her work at a trade association.
Raised in Rome, New York, Patricia graduated from the College at Brockport's Delta Leadership Honors Program. In her spare time, Patricia enjoys last-minute road trips, all things nautical, and although being a native New Yorker, she is an official citizen of Red Sox Nation.


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Product Recall: We are voluntarily recalling fewer than 8,000 cases of regular Kraft American Singles Pasteurized Prepared Cheese Productlimited to 4 SKUs on two "Best When Used By" dates of February 20, 2015 and February 21, 2015. Click Here.
COMBINE flour, baking powder and salt in large bowl. Cut in lard with pastry blender or 2 knives until mixture resembles coarse crumbs. Gradually add water, stirring until mixture forms ball.
PLACE dough on lightly floured surface; knead 5 min. or until smooth and pliable. Wrap tightly in plastic wrap; set aside while preparing empanada filling.


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Slouchy V-Neck Tee
Online Only! Extra 30% Off - Price reflected in cart (Details)
Valid on Sale Tops; Online Only.
Sale: $34.95 $14.99
Quantity 9Find in Store
Ultimate comfort and casual cool style collide in this everyday tee! Slouchy raglan sleeves and a loose fit have an effortlessly chic look that pairs just as well with worn boyfriend jeans as tucked into a clean pencil skirt.
- Soft, heathered jersey knit
- Raglan tee sleeves
- Notched hi-low hem
- 100% Viscose Rayon
- Machine wash. Dry flat.
- Imported
Item# 4763022
|Wish List
Comfortable but Fit Changes I bought this in a size larger than I typically wear since most reviews were pointing out that it shrinks. It did shrink but slightly disproportionately. The front shrunk just a bit more than the back did. I would recommend just buying your normal size and hand washing it. It's still a very comfortable shirt. I'll just wear a white camisole underneath it. September 4, 2014
Loved this shirt but beware of washing it! I washed this shirt one time, followed the instructions and it still shrunk. I tried stretching it back out, but it's very misshaped now. Such a disappointment because it's a great top! Maybe hand washing would have helped? I wish there were some reviews about it before I purchased it. August 24, 2014
To Fix the Shrinking... To fix some blouses that shrink, saturate the item with cold water (wet it in the shower or dip it in a bowl of cold water - get it saturated), hand-squeeze out the excess water, and hang the blouse up to air dry overnight. I have done this with numerous TL blouses and sweaters that my helpful boyfriend has thrown in the dryer lol. Works like a charm every time, and I don't lose the shape of the blouse. The blouse goes right back to its original size. Hope this helps! That said, I love this shirt paired with shorts or cropped pants for the summer. Very lightweight and comfortable, and the bagginess makes it nice and cool for the hot South Florida summer. Love!!! August 10, 2014
PERFECT TEE I was looking for a t-shirt that I could wear to work and it not look like your typical t-shirt, and this hit it right on the nose. I love the feel and look of it. August 7, 2014
FRUSTRATED!!!! I bought this shirt in every color because it's the perfect idea since I'm losing weight after having a baby. Each one shrunk...each one. Here's the kicker... the closest The Limited store is 1.5 hours North, 1.5 hours East, and 1.5 hours West. I'm stuck with such a terrible product. I'm so disappointed. August 5, 2014
Love it! yes, it did shrink for me but in length only. Being petite I was glad. I will hand wash it next time. August 4, 2014
Love it! I love the way this shirt feels and looks. I read all the reviews about the shrinking. I'm VERY petite and could stand for the XS to shrink,but I don't want to change how it lays. I plan to use my at home dry cleaning bag and towel in the dryer in attempt to avoid that, hope it works!! July 24, 2014
Wash, it Shrinks! Bought this shirt, very cute casual shirt. I washed it in cold water and hung to dry - IT SHRUNK!! What the heck?!?! Shrunk a whole size down. As other reviewers wrote "horrible" and a "waste of money". The Limited should refund or give a store credit to all those that bought this item. July 21, 2014
(2 Questions & 11 Answers)
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Q:I am 150 lbs, and have a size C chest.
3 months, 3 weeks ago
ohio(read all my Q&A)
Age: In my 20s
Body Type: Curvy
Shopping Frequency: Frequently
0out of 0found this question helpful.
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A:I am a scrawny 5'4", 34D and I got an XS. I would suggest a Medium for you. Friend of mine who is 5'9" and very, very curvy got a large and it's perfect.
This shirt has some give, and fits slightly longer than on the model.. but not by a large margin.
3 months, 2 weeks ago
Cabot, AR(read all my Q&A)
Age: In my 30s
Body Type: Average
Shopping Frequency: Frequently
Cabot, AR
1out of 1found this answer helpful.
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A:I am 130 lbs and have a larger chest. The small fit me well. The shirt is made larger than other Limited shirts but you don't want this one to be tight.
3 months, 1 week ago
Columbus, GA(read all my Q&A)
Age: In my 20s
Body Type: Curvy
Shopping Frequency: Frequently
Columbus, GA
0out of 0found this answer helpful.
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A:You are the same weight and chest size as me and a medium fit perfectly. It should hit you right at your hip.
3 months ago
Midwest(read all my Q&A)
Body Type: Curvy
Shopping Frequency: Frequently
0out of 0found this answer helpful.
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A:I would recommend for no one to purchase this product. It's unwashable, even on gentle cycle. Shrank to child size and has fuzz balls all over it.
2 months, 4 weeks ago
Searcy,AR(read all my Q&A)
1out of 1found this answer helpful.
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A:I would say a medium. You would probably be a small normally, but this shirt shrinks after the fist wash!
2 months, 4 weeks ago
Age: In my 20s
Body Type: Curvy
Shopping Frequency: Frequently
0out of 0found this answer helpful.
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A:I wouldn't recommend any size in this shirt. It's going to shrink. Try something else, Poor quality.
2 months, 3 weeks ago
Dallas, TX(read all my Q&A)
Age: In my 30s
Body Type: Curvy
Shopping Frequency: Frequently
Dallas, TX
0out of 0found this answer helpful.
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A:I would recommend a large, be warned- this shirt while first is slouchy shrinks a ton!!
2 months, 2 weeks ago
Seattle, WA(read all my Q&A)
Age: In my 30s
Body Type: Long and Lean
Shopping Frequency: Frequently
Seattle, WA
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A:We're the same weight and height, so if your shoulders are as broad and torso as long as mine (size 10 in jackets) then a medium or large (preferred) will give you the the length you want..
2 months, 2 weeks ago
Wisconsin(read all my Q&A)
Age: In my 30s
Body Type: Long and Lean
Shopping Frequency: Frequently
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A:I would not recommend buying this shirt. If you never wash it, it will be fine to fit. If you wash in cold water and hang to dry, it still shrinks a whole size down to a size and a half down. I would not recommend buying.
1 month, 3 weeks ago
Castle Rock, CO(read all my Q&A)
Age: In my 40s
Body Type: Average
Shopping Frequency: Frequently
Castle Rock, CO
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2 months, 1 week ago
Burbank, IL, USA(read all my Q&A)
Age: Under 20
Body Type: Average
Shopping Frequency: This is my first time
Burbank, IL, USA
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A:Thank you for the question! This tee is slightly see-through in the white color. You may want to wear a cami underneath or just a white (matching) bra.
2 months ago
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A:yes, it is thin material, so light colors like the white or oatmeal color is a tad see thru. NOTE THIS SHIRT WILL SHRINK A WHOLE SIZE DOWN IF NOT A SIZE AND A HALF!! I bought it, washed in cold water, hung to dry and it still shrunk. :(
1 month, 3 weeks ago
Castle Rock, CO(read all my Q&A)
Age: In my 40s
Body Type: Average
Shopping Frequency: Frequently
Castle Rock, CO
0out of 0found this answer helpful.
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BEGIN:VCALENDAR VERSION:2.0 PRODID:-//22.214.171.124//NONSGML kigkonsult.se iCalcreator 2.20// CALSCALE:GREGORIAN METHOD:PUBLISH X-FROM-URL:http://francostigan.com/blog X-WR-TIMEZONE:America/New_York BEGIN:VTIMEZONE TZID:America/New_York X-LIC-LOCATION:America/New_York BEGIN:STANDARD DTSTART:20141102T020000 TZOFFSETFROM:-0400 TZOFFSETTO:-0500 TZNAME:EST END:STANDARD BEGIN:DAYLIGHT DTSTART:20140309T020000 TZOFFSETFROM:-0500 TZOFFSETTO:-0400 RDATE:20150308T020000 TZNAME:EDT END:DAYLIGHT END:VTIMEZONE BEGIN:VEVENT UID:firstname.lastname@example.com/blog DTSTAMP:20141002T165346Z CATEGORIES;LANGUAGE=en-US:Book Signing CONTACT:Julie\; (360) 385-1156\; http://www.elevatedicecream.com DESCRIPTION:
\n< div class='really_simple_share_prepend_above robots-nocontent snap_noprevi ew'>If you liked this post\, please share it.
I'll be the featu red author at this year's Walk for Farm Animals. I will have copi es for Vegan Chocolate and More Great Good Dairy-Free Dessserts f or sale at a discount\, and a percentage of sales will be donated to Farm Sanctuary.\n
The Walk for Farm Animals raises vital funds for Farm Sanctuary's lifesaving work and brings togeth er thousands of people to change hearts and minds about farm animals. Will you join us in New York to support compassion for all?\n
Central Park (Merchant's Gate)
\nOctober 18\, 2014
\nCheck-in: 10 AM
\nYoga Stretch: 10:30 AM (provid ed by Derek Pashupa Good win)
\nWalk: 11 AM – 2 PM
*We will start the 2.25 mile route at 11 AM and will walk for about 1 hour. Celebration to follow.*\n
Directions and Parking: The New York Walk will be held at Central Park. You can enter "4 Columbus Cir cle\, New York\, NY" into your GPS for directions to the general area. We will meet at Merchant's Gate which is at the Columbus Circle entrance to t he park (SW corner). For a visual guide\, we will be at the red box on this map . The clos est subway station is 59th Street – Columbus Circle (A\, C\, D\, 1). You m ay plan your trip using public transportation at MTA.info. For those parking\, you can vis it this site to find the best parking rates for the area.\n
Entertainment: < /strong>Musical entertainment to be announced.\n
Children's Costume Contest: This year we will be holding a children's costum e contest at the New York Walk! Participants must be ages 12 and under and you may come d ressed as anything you wish (it does not have to be anima l oriented). Participants will be judged on realism and creativity! Extra points if it looks like you are having loads of fun! The winner will recei ve a prize\, and there will be runner up prizes as well! We look forward t o seeing what the younger generation of farm animal lovers will surprise u s with! Any questions\, please contact Farm Sanctuary: firstname.lastname@example.com.\n
< a href='http://francostigan.com/blog/wp-content/uploads/2014/09/1377.jpg'> Book Signing: Fran Costigan\, "Queen of Vegan Desserts!" F ran is an internationally recognized culinary instructor\, author and cons ultant whose innovative recipes marry healthy eating with sumptuous tastes . A professionally trained pastry chef\, Fran worked in both traditional a nd vegan kitchens before moving into teaching over 22 years ago. She will be selling her books\, Vegan Chocolate: Unapologetically Luscious and Decadent Dairy-Free Desserts and More Great Good Dairy-Free Desse rts Naturally\, at the Walk. Please bring cash to purchase.< /p>\n
The 2.25 mile W alk route can be found here . The Walk will be held rain or shine. Dogs are welcome at th is event.\n
Everyone loves chocolate—and being vegan doesn't mean you have to go without it! What better expert to teach you the ins and outs of sweet\, v egan chocolate-y goodness than Fran Costigan\, author of "Vegan Chocolate: Unapologetically Luscious and Decadent Dairy-Free Desserts"? You'll also learn how to make gluten-free variations for some of the recipes. Your dec adent menu includes: Intensely Chocolate Trifle\; Sacher Torte\; Blackout Cake\; and Eclairs.\n


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Charmed and dangerous : the rise of the Pretty Committee : the Clique prequel
Harrison, Lisi
Teen Fiction HARRISO
Harrison, Lisi
Teen Fiction HARRISO
What other readers are saying about this title:
amb000 said:
Im so excited to find out how the pc met! but i wish this book told what happened after boys are us instead. i hope she never stops writing the clique books to write the alpha series, because i like both, but the PC IS WAY BETTER!
posted Sep 21, 2009 at 7:28PM
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HOME NBA Los Angeles Lakers Gear Los Angeles Lakers Mens Los Angeles Lakers Mens Accessories Los Angeles Lakers Mens Accessories Electronics (48 items) Product ID: 1154164
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Get inspired for your next round of hoops with the Steve Nash MVP Basketball: Fundamentals of Basketball DVD Set. This step-by-step 120-minute program is designed to give every basketball player a competitive edge on the court.
- Officially licensed NBA product
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AP Biology Review Sheets & Study Guides
Mar 16
AP Biology Comments Off
I do not have many review sheets for AP Biology. However, I will link you to what I do have. I also have many practice exams and old AP exams that will certainly be excellent study tools.
Here are my review sheets:
Carbs, Lipids, Proteins, and Nucleic Acids
Genetics of Viruses and Bacteria
Link to 1999 AP Biology Exam and Answer Key:


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College Is a Big, Fat, Hairy Rip-Off! (But Save for It Anyway)
Published on - March 9th, 2011 (by Robert Brokamp)
This is a guest post from Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the adviser for The Motley Fool's Rule Your Retirement service. He also has a newly reinvigorated blog, and you can have your day interrupted once or twice by his Twittering. Robert contributes one new article to Get Rich Slowly every two weeks.
A few weeks ago, the proprietor of this establishment (J.D. "The letters in 'Get Rich Slowly' can be rearranged to spell 'The Sly Cowgirl'" Roth) asked me to address a reader's question — specifically, how should a parent save for college (perhaps because I once wrote a book on the topic, though it's now outdated). But first, let me say this:
College costs too much, it saddles young people with too much debt, and it forces students to "learn" things they'll soon forget — and it won't matter because it wouldn't help them further their careers anyhow.
As reported by InsideHigherEd.com, a new book (Academically Adrift: Limited Learning on College Campuses) finds that 36% of students "did not demonstrate any significant improvement in learning" over four years of college. The authors (themselves professors) write that, for many undergrads, "drifting through college without a clear sense of purpose is readily apparent."
Do you want to pay $80,000 to $200,000 for that?
Because that's how much it'll cost, assuming the fruit of your loins graduates in four years (only 53% of students graduate within six years). According to the College Board, it costs an average $20,339 a year for in-state tuition, room, board, textbooks, personal expenses, and transportation. For the average private school, that figure is $41,192. To be fair, some of these costs would still be incurred if kids didn't go to college; they still have to eat, board, transport, and read (I hope). But they could do it much more cheaply on their own. Consider textbooks. The average student spends more than $1,000 on these annually updated tomes, because the student has to pay $50 to $100 for the most recent edition. Only people in college pay that much for a book.
Yes, many students get "aid." But much of that is in the form of loans. Here's a shocker: The value of all student loans now exceeds all credit card debt. Twenty-somethings are beginning their careers with thousands of dollars of debt that has to be paid back with low-person-on-the-totem-pole salaries (assuming they can even find a job).
Here's the problem: College costs lack the normal market-based price controls. If you're told you need something, and someone is willing to lend you the money to get it, and you're told it's a great "investment," then you'll do it — regardless of the price. The government wants to help, too, with grants, low-rate loans, and tax benefits. That's all very well-intentioned, but it's another reason why colleges can jack up prices and get away with it.
According to James Altucher (who's passionate and articulate about what a scam college has become):
College costs have historically gone up much faster than inflation. Since 1978, cost of living has gone up three-fold. Medical costs, much to the horror of everyone in Congress, has gone up six-fold. And college education has gone up a whopping tenfold. This is beyond the housing bubble, the stock market bubble, any bubble you can think of.
Altucher also takes on the argument that college is a great investment. Yes, people with college degrees earn more over their lifetimes. But if a person invested the cost of college and stayed away from the Ivory Tower, she might have more than the person with the B.A. or B.S.
Save Anyway
Now that I got that off my chest, the truth is I have a student in college now, and I have 529 savings accounts for my other three children (more on 529s later). Like it or not, many professions require a college degree. Plus, it can be a great experience and all that. So if you've procreated, then you should save for your creation's education. However, first make sure you're saving enough for your own retirement, as I explain in this video I did for LifeTuner (AARP's very hip website for the younger crowd):
(Quick summary: A kid can always find a way to pay for school. However, if you reach your 60s or 70s without enough retirement savings, you won't be able to retire. There's no such thing as a geezer scholarship. Plus, you can use some of the money in your retirement accounts to pay for college.)
Which finally brings us to the reader question:
My wife and I are expecting our first child this summer. In an effort to stay ahead of the game, I'd like to start saving for his or her college education. A 529 plan seems like the obvious choice here, but I know little about them.
What are the pros and cons to this type of account? Are there other options I should consider instead? How do I choose a reasonable amount to save so that I'm unlikely to end up either coming up quite short when it's time for school, or overshooting and having lots of money left over in there? One final question: Can I start such a savings account before the child's actually born?
Indeed, the 529 account is the obvious — and, in my opinion, best — choice. The programs are sponsored by states, who hire financial-services firms to run them. There are two flavors: savings plans and prepaid plans. I won't spend much time on the latter — which allow you to pay for a future education at somewhere close to today's prices — since most states don't offer a prepaid plan, and many have experienced financial difficulties. Choosing a prepaid plan might be a good idea if:
- Your kids will go to a state school in your state, and
- Your state's plan is on solid financial ground.
For more on prepaid plans, read this Smart Money article (which also mentions a private-school option).
The Pros and Cons of the 529
529 savings plans are like any investment account in that you contribute as much as you can, on a monthly or irregular basis (though most plans have modest minimums and all have huge maximums — from $235,000 to $380,000).
Here are the benefits of a 529 savings plan:
- The money grows tax-free as long as it's used for qualified higher-education expenses at any qualified institution — in your state or elsewhere (that includes the overwhelming majority of schools in the U.S., and many in other countries as well).
- Some states offer benefits to residents who participate in the state plan. For example, here in the great Commonwealth of Virginia, I can deduct $4,000 per account annually that I contribute to my kids' plans on my state (but not federal) income tax return. Thus, if you're interested in a 529, start by investigating your state's plan. However, you don't have to choose your state's plan, so if it doesn't offer compelling benefits and the plan is subpar (e.g., too expensive), look at the plans offered by other states.
- The investment choices vary by plan, but most are generally low-cost mutual funds, and most offer age-based portfolios that are more aggressive when kids are in the single digits (owning more stocks than bonds), but gradually get more conservative (all on their own — no rebalancing required!) as the Big Day gets closer.
- The assets in a 529 are considered property of the account owner (usually a parent or grandparent), and not the student. This helps when it comes to determining financial aid since assets in the student's name have a more negative impact on aid eligibility. Also, the kid can't decide to take the money and blow it all in Amsterdam.
- When you open an account, you have to name the beneficiary, which is usually the kid who will eventually go to college. However, if she/he/it decides not to, the account can be transferred to another qualified relative. This is actually how you can begin saving in a 529 before your belly of joy is born. Open an account with yourself as both the owner and the beneficiary, and then transfer the account sometime after your offspring is womb-sprung.
Now, the not-as-good stuff:
- If you use the money for anything other than qualified expenses, you'll pay income taxes and a 10% penalty on any earnings (though not the amount you contributed).
- You can only change the investment choice once a year. No biggie, really, but disappointing for you market-timers, and nerve-wracking during a crash (as in 2008).
- You can invest only in mutual funds and, in some plans, exchange-traded funds (ETFs). If you prefer individual stocks (i.e., shares of individual companies), the 529 may not be for you.
- "529" is a boring name. Boring! It's named after a tax code, just like 401(k) and 403(b). But what would you expect from a country that names the mansion in which the most powerful person in the world lives, the "white house"?
How Much to Save
Determining how much to save is difficult, because it depends on future investment returns and college-cost inflation. However, a place to start would be to find out the current cost of attending a school your future Einstein is likely to attend. Then, fiddle with a few online calculators, such as the ones from the College Board and Savingforcollege.com. If you're asked for investment return and inflation assumptions, choose 6% for both (you can ratchet down the former and/or increase the latter if you want to play it safer).
Finally, the absolute best source of information about 529 plans is Savingforcollege.com. You'll learn plenty about the general rules, but also the particulars about each state's plan. But hurry — you'll need to start saving soon to afford a big, fat, hairy college rip-off.
Kris and J.D., back in the Olden Days when college was cheaper
This article is about Ask the Readers, Education, Kids, Planning
College is quite the double-edged sword. Without it, you'll have a tough time finding a job and will get paid less than anyone else in the field that has their degree. But, with it, you'll most likely carry that student loan debt and start your career in the hole!
My wife and I both went to college and amassed $18,000 in school loans when we graduated (not that much debt compared to most coming out of school). Everyone said it was ok though, because we would get great jobs and quickly pay off that debt.
Well, my job is pretty mediocre, and so is my wife's. In fact, my friend and his wife did not complete college, and they seem worlds ahead of us because of it! They have a house that they plan to have paid off in 4 years, a very large Roth IRA, and some nice paid-for vehicles.
If you are good at a trade, sometimes it's still beneficial to skip that degree.
But, if you want to get a job at a corporate headquarters somewhere, you'll definitely need that peice of paper to even get you in for the interview.
"If you are good at a trade, sometimes it's still beneficial to skip that degree."
Well said, @MyLifeandMyFinances! I would actually modify your statement to say that a vocational education (whether you feel you're good at a trade or not) is often-dollar for dollar-the best money spent on an education.
If you can apprentice for a self-employed tradesman, you can learn the trade and the business and eventually start your own business.
There are cheaper, effective and more practical alternatives to college/university degrees. Sadly, few tout them as viable options to high school seniors.
Most real education in both life and career takes place post schooling anyway.
I am starting to see the whole "Waste of Money" bit. I graduate in 2 weeks with my BS in accounting (Summa Cum Laude, thank you very much) So where is the reward for all my hard work? I'm quite sure my current boss is not going to give me a huge raise just because I have a degree now. And the option of changing job for more money looks pretty bleak. I've spent a fortune and now have very little to show for it.
Note that a college degree is more beneficial (necessary) for women than for men these days. That's probably why more women than men are getting college degrees. (Why? Discrimination in labor and training markets for which a college degree is not necessary.)
Even if 35% of kids learn nothing in college, that is not a reason to recommend kids not go to college. It's a good reason to recommend that unmotivated kids not go to college *yet.* Nobody should be forced to go to college and some people would be better off working for a few years (or trying to find work for a few years…) and finding direction before making the plunge. It's easier on those of us who would have to fail them otherwise for not showing up to class too.
Health care fields, particularly nursing, and jobs that require associate degrees, are still scheduled to have better growth than average and not have enough graduates for the jobs needed. (Though in some states, regulations make LPNs less attractive and RNs more attractive.)
I'm surprised that this article only talked about 529s rather than explaining the other methods and when one might use one over the other. We decided against a Coverdell.
@3 Pat– Bring it up during your next performance review and ask for a raise.
Or your could go to Brigham Univeristy. Become a Mormon, live by the honor code, pay 5k a year for tuition. Or get about a 3.8 GPA a get a full tuition scholarship. 300 month in rent. And work on campus which is what the ENTIRE school does. Food service workers – all students. Secretaries for departments – students. Custodians- students. And they have the #1 accounting undergrad program in the nation. And you can't sleep with your girlfriend until you marry her. But the girls are pretty hot at BYU.
I'm 50,000 in debt (after working 40/week all 5 years). I earned degrees in biophysics and chemistry, but honestly could have learned everything to get into medical school in 2 years. And all the extra cultural stuff that was required cost thousands. I don't remember half the liberal arts stuff and honestly won't use 90% of the science stuff as it isn't really medicine related. College has become a money grab for schools proliferated by the professional culture that values a paper degree more than experience and ingenuity. Many graduates will be saddled with crippling debt and be slaves to creditors for decades.
And don't have more than one kid! True story: friends of mine have diligently saved since the births of their two daughters to pay for college. Now that their daughters are of college age, they are terribly dismayed to discover that the elder girl has turned out to be a very difficult child, who keeps switching majors/schools at the drop of a hat. Unfortunately the younger daughter, who is very clever and ambitious, is going to have an inferior education as a result … because her elder sibling has sucked up most of the money. Moral of the story? One child policy.
@Nicole: There are some places where the opposite is true of nurses as well. Hospitals and especially clinics would rather hire LPN's because they cost less.
"A lot of fellows nowadays have a B.A., M.D., or Ph.D. Unfortunately, they don't have a J.O.B." – Fats Domino
Caveat: I'm a college professor. I'd question the "kids don't learn anything in college" from "Adrift". The measure they learned was based on reading an essay and thinking critially about it. Liberal arts students showed the most improvement (fr to senior); science and engineering students showed the least. But look at the measuring stick that was used: an out of context passage with no relevance to the science majors. I'd happily give the exit exam we give the students (which includes reading and analyzing scientific literature and a laboratory experiment, as well as tests over the content areas in chemistry) to a student walking in the door–I bet you'd see a HUGE change in what they had learned over four years (and yes, I teach at a college where 75% of the students graduate in four years–it's a private liberal arts school. Sometimes you get what you pay for.)
@7 In most parts of the country, LPNs are in huge demand. An RN will still get a big wage premium over an LPN, that will make up for the additional year to two of work if they got a 2-3 year degree.
However, for example, in CA there have been some legislative changes at nursing homes that have messed up with that general equilibrium. So if you go on nursing boards and people are complaining about not being able to find jobs, it is important to figure out what state they're in and what the regulations causing this problem are and who is benefiting from those regulation changes. What is true in most of the US is not necessarily true in your local market, even in health care.
I have a 529 for my son. However, someone recently told me their accountant suggested closing the 529 for their kids and opening Roth IRA's in your childrens names. The reasoning: A 529 counts toward your childs financial aid, a Roth IRA does not, also not all children end up going to college. Anyone else ever heard of this?
Related: 100 reasons not to go to graduate school:
The U.S. academic system confuses me
What surprised me when I was teaching high school was how few students consider taking a year off to work or travel. Everyone assumes that going to college or university (they're different here) right out of high school is THE thing to do. It's what their parents expect, and it's what their friends are doing.
I think many kids would benefit from a year off to earn some money and figure out what it is they really want to do. A lot of students here end up getting a university degree and then going on to college for a diploma so they can get a job. There's still some stigma attached to getting a diploma versus a degree too.
I think people need to be more open minded and sit down and really look at the costs and the benefits.
It sounds like the parents should've kept the money for each child separate, rather than mixing them into a single pool and letting the elder child take more than her fair share.
"One child policy?" I prefer the no child policy. It results in even less of a drain on the budget. We also get more sleep.
First off, there is never a guarantee your child will go to or benefit from college. The best you can offer is the opportunity for them to take a shot at it. That said, my kids grew up knowing that whether it was college, trade school, culinary school, etc. they were expected to get some kind of education or training post high school. To that aim I only promised the equivalent of two years community college and two years at a local four year college. They have to make up the difference. Currently both my first two kids decided to go to state universities all four years, and are taking loans and working to cover the difference. Note that in each case they had private schools that also offered aid bringing their costs close to the state school amount, so don't necessarily discount private schools. As I told them, you can graduate with no payment, a car payment, or a house payment. You can likely pay off the car payment in six years, house payments are more like 30 years. They're supposed to make an adult decision, but I made sure they saw their options and potential consequences. They've opted for car payment equivalents.
With respect to how much to save, you can run projections or just save what you consistantly can, but no matter what, schooling your children in what to expect may be the best tool. If you asked my kids at eight years old what Daddy could afford they responded "two years community college and two years at a state school". Then you asked them what Daddy got and they would say "ten percent" (You need to make sure the little buggers understand they owe you . Train them early, make it fun, but in the back of their heads they know they've got to come up with some creative ways to make up the difference. I've seen too many kids thinking they're going to some great private college, and the parents telling me out of earshot they don't have the heart to tell the kid they can't afford it or they didn't save enough, etc. Don't do that to either of you.
I'm a PhD student and have taught undergrads as both a Teaching Assistant and a Course Director. I would say that there are many students who just shouldn't be in university. They are either not academically prepared or they are not motivated enough. Granted I teach in a university where you can get in with a B average, so I'm sure things would be different at an Ivy League school. Many would benefit from taking time off before attending university
Most students would also probably benefit from going to community college first. And I'm speaking from my own experience here. I was able to take classes just for the enjoyment of learning something new, and also was able to explore and figure out what I wanted to do, without it being too costly. The classes are smaller, and there is less inclination to waste your time partying because most of your classmates are 30+ and have partners/families.
And I'm also a bit ambivalent on whether parents should pay for education at all. My parents payed for school when I lived at home to go to community college, but when I transferred to a 4 year school and moved away they did not have the money to help me. My grandmother would send me 250/month (this was in 2002-2005) to help pay for living expenses, but I had to borrow as much as I could to pay tuition and the rest of living expenses. I could have worked but chose instead to focus on school. Paid off, because with the scholarships in grad school, I will have my 28k student loan debt paid off before I finish my PhD. My sister on the other hand, has far more student loan debts than me, but is also not as careful with her money or proactive about paying it off.
However, even though my sister and I both had to borrow a lot, I don't feel mad at my parents for never saving anything for us. Neither of them went to university and so didn't think about preparing for it when it came to us. And they are struggling financially themselves and so it would be silly for them to struggle more just to pay for our schooling, when we are both capable of working.
@Kevin, the reputable fee-only adviser who created my financial plan strongly advised MrP and I to put most of our money into the 529 for our older child. That way, if she decided college wasn't her thing, we could transfer it to our younger child. If #1 did go to college, we could still xfer some money plus pay out of current cash flow. (By then our mortgage will be paid off.)
First, Anonymous, a 529 plan counts as the parent's asset in financial aid, not as the child's. A Roth doesn't count for the FAFSA (federal aid) but most private schools you've heard of do take it into consideration in their aid formula.
Second, I think a Coverdell is well worthwhile, especially if you start early. For many people, saving that $2,000 a year would already be a struggle, but, like the "Debt Snowball", could give a feeling of something actually accomplished. The other advantage of a Coverdell is that it can be invested in anything a brokerage might handle. If you have a 529, it can be invested in a core portfolio with a good mix of mutual funds, while the Coverdell might be invested in a little more risk–emerging markets, some small cap value fund, or even individual stocks for more astute or confident investors. The Coverdell then has the possibility to generate more return. And if it's lost, well, the kid can look at working and loans. Depends on what risk you're comfortable with, and your time horizon.
As to the kid that takes 6 years, changes majors, yadda yadda: when I work with clients on college planning (I'm a financial planner), I strongly recommend that (if they can afford it), they plan to pay 1/3 of college costs out of savings, 1/3 from current income, and the child pays 1/3. The child's share can come from work, scholarships they've landed, loans or whatever but the child has to have some skin in the game. And I urge the parents to provide the bankrolling for 4 years, and 4 years alone.
I think this is generous but not idiotic and really helps to focus the child's attention in a mature way, teaching how to make effective choices about time and money, a great lesson for adulthood.
I'd rather pay the money and have a life at another school.
I feel like the education system in the US is totally screwed up. Costs to much, matters too little and the entire philosophical approach to what were teaching young minds is backwards.
I'm a recent grad, I'm also $100k+ in debt. If I paid that debt according to the lovely payment plan that Sallie Mae laid out, I'd end up paying over $300k. $300,000. Three hundred thousand dollars.
I'm now three years out of college and have worked my ass off and am nearly making six figures. However, if a parent hadn't been helping me out, I would still have to live at home. My payments are over $1000 a month and it's ONLY TO INTEREST! Loans are absolutely crippling for young people and they should do everything in their power to stay away from them, especially for unacceptably high tuition of out-of-state/private colleges.
I'm sorry, but for $300,000 I can live the rest of my life on an island and could have started when I was 16…
22@Anonymous: As I mention in the article, taking money out of a 529 might have tax and penalty consequences. However, it's only on the earnings, so if you haven't made much money (possible, given the past few years), then perhaps the consequences wouldn't be severe.
Here's what the accountant is thinking: You can always and anytime withdraw the CONTRIBUTIONS to a Roth IRA, tax- and penalty-free. As for the earnings, you'll pay taxes and a 10% penalty if withdrawn before age 59 1/2. However, the penalty is waived if the money is used for qualified expenses (though you'll still pay taxes).
As for the financial aid impact, I hear mixed things. But the acknowledged expert on 529s (and college saving in general) is Joe Hurley, operator of Savingforcollege.com. And here's what he says:
WOW do I disagree… My BS in Mechanical Engineering was reasonably priced at a well-regarded state school and has served me really well for the last 9 years! I made great friends (whom I still see often), enjoyed almost every minute of it, graduated with no debt (working and internships), and have a job that is challenging, rewarding, and even sometimes fun! I could not be doing any of this without my college experience. My school's Engineering Career Services department even put me in touch with my first employer and launched a career path I had not previously considered! For some people, college is still a great option!
@Annoymous in comment 12
The child can only open a Roth IRA if the child is earning income. How much is their infant or little kid making? Except in special cases (e.g. child actor) this makes no sense for early on, and in the teenage years where they may be earning some money and that earned income equivalent could be put in, but as already mentioned there may be penalties associated with this and it doesn't make sense for the child to have the Roth IRA and you can't transfer money from a parents account to a childs Roth IRA anyway without penalty or hitting the yearly $5K max anyway. So this makes no sense to me.
Besides 529′s don't count in the childs account on the FAFSA, where it would be 100% against the child, but on the parents, which is a much lower percentage (I want to say 5-10% but don't quote me on that) of the parents overall assets. Note though, that some privage colleges do take into consideration 529s when looking at aid.
Now if you, as the parent, want to put your money in a Roth IRA in *your* name, you could do that and that way if your kid didn't go to college, then you aren't trapped into using the 529 money for education expenses for yourself or someone else (like another child). So since you can always take back your principal from the Roth that could be $10K a year for two parents put away for 18 years yields $180K you could tap without penalty for college. So that is a viable stategy provided you have other retirement savings you are planning on using for yourself. That may be what the accountant was talking about and makes more sense than putting the money into an Roth IRA for the child.
Like "Young Professional" up above, I too recently graduated with $100k+ in debt. It was worth it to me, because my engineering degree from an Ivy league university impressed my boss enough for him to hire me a month after the economy started tanking in Fall 2008. Also, I met my husband at college and would not have met him otherwise, so I wouldn't trade my time there for anything.
That said, I've been smart/lucky with the way my payments have worked out, and despite making payments of $1200/month, I only paid about $1800 total in interest last year. My private loan rates are hovering around 3%. I'm going to grad school part time for free (my husband works for a university) and that in-school status has kept many of my federal loans in deferment, not accumulating interest. I've also worked full time since a few months after graduation, and started paying off my loans as soon as I had a job, rather than waiting for my grace period to end.
In short, college can be a rip off, but it can also be 100% worth the time and money. I'd rather be in the situation I'm in now – stable engineering job, married to my awesome husband, learning to live well below our income – than never having gone to college. I still wish costs wouldn't go up so quickly though!
And on a side note, I just paid off my smallest student loan last week! Woohoo!
I go back and forth on this. My college experience was great – I went to a state school and graduated in three years, so I didn't take on a ton of debt to do it (and my parents didn't take on any). I enjoyed my classes and definitely found that it opened up my worldview and exposed me to new ideas.
But I don't work in a field close to my major and I don't plan to any time in the future. In fact, my BA was only enough to land me a secretarial position upon graduation, so in terms of financial payoff, it was definitely a bad deal.
The one thing I hate is all the pressure that's on younger students today to go to college, even if it's clearly not the right path for them.
Don't forget that in Virginia, even though there is a $4,000 maximum to the annual deduction you can take on your state income taxes, excess contributions that could not be deducted can carry forward to be deducted in subsequent years for as long as necessary.
I became a 529 expert a few years ago as a young father, and I was talking about this to an older co-worker whose kids were entering college. He didn't think the 529 was worth it, since he was spending the money now. I explained that he should pass EVERY single tuition payment through the 529 in order that he could eventually take the state tax deduction on it. It's like a 6% coupon for college.
As for personal experiences, I was fortunate enough to let Uncle Sam pay for B.S. and M.S. To show my appreciation, I took a commission in the military for five years, then we parted ways. Early-30′s, never had any student loans, parents didn't have to pay anything, comfortable six-figure income, healthy retirement savings, and just about finished with the mortgage. All in all, not so bad.
We're saving in 529′s for the kids. If they don't use it, I can always transfer it to possible grandkids. Or maybe I'll get another degree in retirement, just for fun.
We're going with the Roths, which for us are for college tuition as our retirement is well funded through other means. I'm not certain we'll qualify for financial aid, almost certainly not at the state schools.
So, we'll have some savings and the rest we plan to cashflow. The one thing we're making clear to our children is that we will not pay more than state school tuition. If they want to go to a private college, they'll need a scholarship. That rules out the Harvards of the world as they don't give academic scholarships.
We just don't see the return. Go to any street in the country and you'll find the Ivy League grad living next door to the state school grad living next door to the college dropout.
We just had our first (and only) child and I was able to contribute to the 529 for 2010. I think it's great to have another tax write off. Although 4k x 20 = $80,000 doesn't sound like it will be enough for college in 20 years.
Hopefully the stock market will perform well in this coming 20 years. I know the last 10 years was pretty horrible.
Hilarious article, and yes, college (in America anyway) has become a kind of extended summer camp or day care for overgrown children. Do some kids (that's a funny world to call a 19 year old) profit from it? Sure. Some even learn useful skills. But by and large it's a big scam. I know first hand.
I like the Israeli system: turn 18, go to the army, endure some tough discipline AND get all your partying done for 3 years (they do party hard); then go to college at 21 when you know what you want out of life and graduate quickly. They don't attend school for the fraternities or the athletic programs. In spite of this delay (or maybe because of it?) Israel has incredible development in science and technology for a country of 7 million people.
I'm not saying "army" is necessarily the thing to do, but a little life experience outside of the college hothouse would do a lot to turn "kids" into young adults with a sense of the real world and what they really want out of life. And college courses rarely train you for the real world: like all self-perpetuating systems, they train you to be an academic. Most of us don't live as academics though.
I'd put my money in adult education. It's more focused, skills-oriented, and serves a highly motivated population: people who have a real stake in their own success– they are spending their own money and know the price of things.
#12 anonymous, I can't remember where I read this, but the bad thing about using Roth IRA to fund college is the year that you take out that money, it will count towards your "income" which then is used in the following year's financial aid calculations. It may make the child less eligible for financial aid. From what I hear, in general using 529′s for funding college is less punitive than using Roth IRA money for how financial aid is calculated. However I'm 10 years away from using it so I don't know from personal experience. The rub I have, only being middle class there is no way to fund both retirement and even 1/3 of college costs. It used to be affordable, but at this time the middle class can't afford both reitirement and paying their children's college costs.
I absolutely agree with this article. College is a huge rip off. The costs are overinflated, but students think they "have" to go and employers think their employees must have college degrees. Now that college degrees are a dime a dozen they really don't even guarantee anything eithe
If this post were titled: "Your Car is a Big, Fat Hairy Rip-Off…", or "Your Hobby…", "Your Eating Out…", etc. – then it would be a good bet the post would be a point-by-point analysis of everything wrong with cars, hobbies, or dining out. Then we would get details on why these things probably should be eliminated completely. But because the subject is "college", our culture demands that we somehow defend this "big, fat, hairy rip-off".
A quick glance (I could be wrong) over the previous posts seems to indicate that slightly more posters regret what they've "not learned" in college, along with the debt they've gained, vs. those that would go back to college again.
While I fault Mr. Brokamp's somewhat questionable defense of our society's latest "big, fat, hairy rip-off", he gets credit for calling out today's university culture for what it is. I hope more and more people start questioning the value of a "college education" with a cold and analytical view. The obsolete university model of our past needs an immediate overhaul.
I graduated from a state school with my BS 10 years ago. I spent $20K on my entire education – that was for tuition, books, fees, parking and the like.
I did not take out loans. I worked my way through – I started at the community college and then transferred to the university state school for the final 4 semesters.
Bottom line: Before I got my degree, I was making $11 an hour – no chance to do anything else or make any more.
After I got my degree, I now make over $50 an hour.
It wasn't just my degree, but hard work that paid off AFTER the degree! College was not a waste to me, it opened doors I would have never had the opportunity to open.
Get your degree. Do it smart. Pay cash. You'll never regret it!
I'm Canadian, and while I DO have a boatload of debt from my master's degree, I don't think it's near what American students I know have. However, I'm wondering if it's just going without saying that education is a good in itself, even if it doesn't necessarily translate into a better paying job, or if no one posting here believes that education is valuable because it helps us to become more articulate writers, critical thinkers, and informed consumers of information.
Yes, you probably will make more money over time without a degree, and it's true that no student has ever remembered more than 30% of the specific facts they learned in school. However, I think that university is not about teaching us what to think, but how to think, and I don't imagine that most people get jobs that meet this need or are inherently self-motivated enough to pursue this on their own. This mean that, for me, the cost of education has to be weighed against not only the debt load, but the societal cost of a nation of people who can't think critically, have no grasp of grammar, and don't have the experience of having been exposed to subject matter that they wouldn't necessarily have sought out on their own, or have even known seek out. That said, most Canadians I know are outraged that our education system isn't entirely free, as it is in much of Europe, so I'm guessing there might be some cultural difference at work here. Maybe it's not the same in the US.
Excellent article! It is wonnderful to read about serious and relevant PF topics as seen through the clever and incisive humor that Robert exposes them through.
College is too expensive in the US. I came to Costa Rica and am getting world class medical education for about an eighth of the price it would have cost up north. and that is even considering that foreign students are charged higher tuition fees and that cost of living expenses is much lower over here.
If one is willing to save for a top education, why not consider investing the money where you will get a much better dollar for dollar return and take advantage of a globalized tendency in education standards while providing for a great experience that will enrich the independence of the person while excercising the cosmopolite world view that we should all have as citizens of the world?
There are programs like Kaplan that will aid students here get board certified and be able to practice in the US properly should they choose to. It is the case for med students, but I know from acquaintances that the same principle applies to many other carreer choices.
"JD 'The Sly Cowgirl' Roth" that has been the funniest rearrangement of letters I have ever read. The people at the coffeeshop are starting to look at me funny, but I just can't help it. Thanks JD and Rob!
As a college professor at a large state school, I see a lot of students who shouldn't be in college, and many more who shouldn't be in college yet. I am teaching remedial skills at the college level, which is maddening. Stuff they should have gotten in junior high. But heaven forfend anyone tell these precious snowflakes that, or their parents. But there are not many good opportunities left for those who don't have a solid trade or other skills. There are some flaws with the premise and argument in "Academically Adrift", but it does point to a bigger problem – all of the "group work" and "team building" and "soft skills" that college professors are being told to teach because employers want those skills don't seem to mean as much as old fashioned reading and writing.
We did a study on 529 plans and they are not all created equal in terms of the returns you can expect. With the worst ones, you are better off saving in a good taxable account and paying the tax. You also have more flexibility if the kid decides College is not for them and wants to start a business or….
I don't know that I would take the leap and declare college a big fat hairy rip-off. I think it depends on how it's done. Most of my education was funded with scholarships and I ended with about $12k in student loans. I did not do the completely money-draining stupid thing of moving out of my parents' home and rooming on-site. I did not go to a pricey, expensive college. I went to the local state univeristy, took a break in between, went back and finished (through two pregnancies). Personally, I didn't feel there was much of a choice. Basically, most jobs wouldn't even look at my application because I wasn't a college grad.
Now, as for funding the college education of my THREE children, I'm doing a few things. First, I got a job at the local private university which gives its employees the wonderful benefit of footing the entire bill of their dependents once the employee reaches ten years of service with the school. Before that, the school gives substantial discounts that make attending the private university more affordable than the public. Second of all, I'm working on my kids' educations as they go through grade school, and later middle, and high school. Being a scholarship recipient myself, I know what it takes to get your hands on some and it's seriously NOT that hard. I completely expect my kids to work hard to not just get into a school but to also get money for it. Lastly, I plan on saving money once my remaining debt is gone. There is a tiny 529 for the kids which I hope to contribute to a bit further, but most likely I will be saving money in something like CD's or whatever. Why? Because I understand two things: One, every child needs the experience of living away from home. Before, I used to think the best way to do this would be to ship them out to college. Now, I'm leaning more towards them doing some traveling preferably with a charity organization. Secondly, I am convinced at least half of our high school's graduates are not mature enough for college. If they're going to go, they should at least do so when they're ready to not just experience it but truly appreciate.
As for myself, I'm not done. Working at the University means I get 100% tuition on my Masters. I plan on taking major advantage of this as soon as my youngest is a couple years older. Why? Not to earn more money or further my career but because I love learning.
My standing question is whether a 529 actually works out better than a taxable account. Yes, your money grows "tax-free," but then you don't get to deduct the college expenses when you pay them. So it's really tax-deferred, where you're effectively delaying the income into the year where you can deduct it.
In exchange, you're taking that phantom deduction against money that would have been capital gains, rather than being able to claim it against taxable income.
Once you factor in tax benefits lost, I'm questioning whether a 529 actually wins out…. It may just be a hedge against the college tax incentives disappearing in the future.
Can someone explain what I'm missing here?
College (and grad school) is such an individual thing. I'm wary of anyone who says "Everyone should get a college degree!" just as I'm wary of anyone trying to convince me that it's a total waste.
1 – You don't have to pay the "average" price for your degree: For undergrad, I managed to get through without debt by having scholarships, working 30 hours/week to pay my rent and expenses, and having parents that were willing and able to pay the remaining tuition (about $4000/year for 3 years). The total cost was $12,000, less than even a cheap new car. I studied liberal arts and I'd agree I didn't learn any huge marketable skill, but none of the jobs I've ever had would have hired someone without a degree.
2 – A lot of times you DO need a degree: My current profession (social worker) requires a master's degree, period. You can't be one without one.
3 – There's more to life than money: I chose to go to a very expensive, very good grad school. Financially it wasn't a smart investment because social workers aren't known for making the big bucks. The extra $50k I spent isn't going to come back to me in higher lifetime salaries.
So why did I do it? There are other benefits besides making more money. My quality of life is better because I'm better at what I do. I feel more confident, I'm in more of a leadership position where I work, and I get less frustrated than a lot of my coworkers who went to a less rigorous program and weren't prepared for some of the difficulties we face.
The cost of my grad school education translates to a $300/month payment for 25 years (of course I'm paying it faster) which is how much some people I know spend on other things like cable. I think JD spends about that on his gym, and argues that it's worth it to him. The same amount of money was worth it to me to get the education I wanted – it wasn't a "waste" to me.
On the other hand, my brother is ridiculously good with computers and had a good job at a networking firm since he was in high school. The one semester he spent at college was a total waste of time and money since he isn't a good book learner and was far too young and irresponsible to benefit from it. He dropped out and went back to his job making probably more than I make with a master's.
i graduated from a 4 yr private university in '05, thanks to very generous fund (not sure what type) started by my grandparents when i was born. i knew from day one i was able to go to a nice school without having to work or graduate with debt, and every time i count my blessings that is in the top three. i should add my parents aren't rich, grams just hooked it up.
college itself was great. my industry doesn't require a degree but it's highly recommended, and the stuff i learned and contacts i made are still serving me well today.
i went into a very competitive and low paying industry (i said i was blessed, not smart). having all of the training under my belt and no student loan payments to worry about has allowed me to continue on my career path without defecting to a starbucks job- another thing i am desperately thankful for!
moral of the story: save for your kids education, they will thank you for it mightily one day!
From above: That rules out the Harvards of the world as they don't give academic scholarships.
Actually, they do give out a lot of aid — and honestly, when everyone you're accepting is at the top of the scale academically, it would be hard to choose out the scholarship students based on academic merit.
Since 2006, students from families with incomes less than $60,000 who are accepted to Harvard under our regular admissions policies have no expected parent contribution for their education. Additionally, families with incomes between $60,000 and $80,000 have seen their expected parent contributions significantly reduced. Financial aid is available to all students based on assessed need. Families with incomes up to $180,000 have an average expected parent contribution of 10 percent or less of their income and, as we continue to take individual circumstances into consideration in our assessment of financial need, many families in even higher income brackets also receive substantive financial aid.
It's a pretty nice deal, all around. There are a couple of other Ivies that do the same (the ones with the huge endowments).
@Jasmine –
The moral you found from that story is to have only one child? How about "when paying for a child's tuition, outline expectations and enforce boudaries."
Well, I went to two years of Community College and two years at a small state tech university, and got a rare degree that I loved getting that put me into a fantastic job (land surveying), and all with no debt. It's definitely possible, because lots of my friends are doing the same. Just combine scholarships, have a definite purpose and aim before you go, and it all kind of falls together.
With college you get what you put in. If you know exactly what you want to do, and make use of the opportunities available (like getting to know the leaders in your field, getting research experience, etc.) you can get a lot of bang for you buck. The problem is that most students don't do it. Many don't know what they want to do, and for those who do know there's pressure from the drifters to party on the weekends instead of putting in a few extra hours in the lab or writing another chapter of their novel.
I think if parents really want to give their kids an advantage in the workplace, the best they can do is help them figure out what they want to do before they go to college. If your high-schooler is thinking about being a teacher, help them clarify why they want to be a teacher, get them in touch with local teachers, encourage them to tutor on the side. If they resist doing these things figure out why. Etc. Help them dabble cheaply.
Preparing kids like this is at least as helpful as putting away money in a 529. A focused 18-year-old will stand out from her peers, and when she graduates she'll be in the best position to start the career she wants.
We let our three kids know that they had to go to the college where we teach for the first two years (free tuition) and that after that we would help them as we could if they chose to transfer. 1st child: two years here, transferred to art school, responsible for $ 18,000 debt herself, we are paying the rest. 2nd child: SO NOT READY FOR COLLEGE at 18, joined the army, started college at 26 on the GI bill, won't let us help at all aside from babysitting the granddaughter. 3rd child: 1 1/2 years here, semester off, transfered out of state, hated it, transfered back, two more semesters here, who knows what next, lives at home because of dog, changes majors every semester, responsible for $ 18,000 college loans. At least she can go to school for free, live with us for free, and work. All I am saying is this: whatever you plan, your children are all different and it is almost impossible to be equitable. And free tuition usually expires for children at age 24, so they can't stay in school forever.
That's an obvious moral to that story. Only have a second child. Skip the first one. Great idea.
I disagree. College was the best thing that happened to me. I think it just takes a bit more these days. I have a master's degree, in engineering, and I have a great job.
@Pat (#3): You are worth more to any prospective employer, so your boss should pay you more. You should not wait until your performance review. Tell them now.
Not that this disproves the OP: but I somehow made it through 10 years of education with 0 dollars in debt.
Public Universities can be quite a good bargain.


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