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Philips energy-saving light bulbs conserve energy compared to traditional light sources, helping you to save money on your electricity bills and do your bit for the environment.
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The product is available in various colors to let you easily match with your interiors.
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text:
Last month, Green Day partnered with Converse to create their own line of shoes to celebrate the release of the first album of their trilogy, ¡Uno! Now, the band is offering you the chance to pick up a free download of a previously-unreleased version of their single, "Oh Love," by checking out their new signature line of kicks at Converse.com .
The first pair of sneakers in their collection is available now and features exclusive artwork from ¡Uno! Converse will launch two more styles to coincide with the release of the other albums in Green Day's trilogy, ¡Dos! and ¡Tré!, which will also be inspired by each album's artwork and graphic images of the band. You can expect those sneakers to arrive in stores the same day that ¡Dos! and ¡Tré! are released on November 13 and January 15, 2013, respectively.
Copyright 2012 ABC News Radio

subset: commoncrawl


text:
I think in a school setting we the students should have the privilage to use our ipod touches,iphones,laptops etc in class if we need them. our school system doesn't care about us using technology even though we have an awesome tech director that knows to much about iphones,ipads, etc. Why are some school systems like this?
If you get to use your devices at your school how do they limit what you do and what are there rules?
asked Jul 31 '11 at 00:31
Nowadays more than ever, School Districts have to ban all technology possible due to these new cyber-bullying laws in which the districts could be held accountable for anything done digitally on campus or even in some instances off campus. I remember a Math teacher that would let people listen to their portable CD players while doing their work so long as everyone obeyed the rules. That classroom was always great when that teacher was around but when there was a sub...all hell broke loose and i'll just put it this way, nobody subbed twice for that class. Those subs always made the mistake of trying to teach their own way when the main teacher already gave them instructions. LOL!!!
answered Jul 31 '11 at 00:45
I can understand this but, our school blocks everything but google and gmail and no proxies work. The teachers on the other hand check facebook youtube etc and even txt but i strictly want to use an app from the app store on my itouch to take notes
(Jul 31 '11 at 00:59) brandonj
Nothing you can do really, except for going to a specialized school. Schools are just getting more and more like prisons as everything good has become banned there and the police are invited to interrogate students before they attend a sports game or prom. Your best hope is to convince a teacher to let you use it.
(Jul 31 '11 at 01:05) zman
I do a lot of things better with music. I'd imagine I'd fly through all the school work.
answered Jul 31 '11 at 00:35
Yeah, if i'm not mistaken people did a test and proved that listening to music helps you work better or something like that...
(Jul 31 '11 at 07:18) JB Tech Support
hmm not really for my Psychology internal assessment I noticed a 50% drop in people who listened to music when learning and not when recalling. Though if you listened to music when learning AND recalling the result is pretty much the same. But what are the odds I can bring my iPod on an exam =S
(Jul 31 '11 at 08:33) Thor Wiingaard
Listening to music makes me way less productive. It just distracts me. That's just me though.
(Jan 24 '12 at 19:36) sfrancis928
The reasons why various electronic devices are not allowed from schools is because students will spend to much time focusing on their iPod or their News Feed on Facebook instead of their classes.
That being said, various electronics should absolutely be banned from a public school position. iPods and Phones should be banned from school premises... No questions asked. For laptops, I can see them being used in a tech class of sorts or art/video editing electives.
If you are still a student who is K-12, you shouldn't be allowed to use electronic devices unless allowed.
answered Jul 31 '11 at 00:42
well i like to type notes than write them and they block everything at my school except gmail and google they filter the searches though. I don't mind them alowwing us to not use wifi or listen to music i just would rather take notes by ipad or ipod touch.
(Jul 31 '11 at 00:48) brandonj
and also that would cut down on wooden pencils and paper. I'm a guy that recycles a lot
(Jul 31 '11 at 00:53) brandonj
Supposedly it has been proven that students remember things better when the right it down as opposed to typing it or listening to it.
Plus, the less you write, the worse your print gets. People need to know how to write. Supposedly some schools are trying to push notebook computers into the classroom and remove paper, and I understand that kids need to get better acquainted with the computer, but kids should really learn how to write. Some children now don't even know how to read cursive because it is only taught one year in elementary school.
(Jul 31 '11 at 00:56) JordanV
i actually never learned to write cursive i switched schools and when i got there they started teaching it in 2nd grade and i never picked up on it and i know it's a bad thing. but i can read cursive easily
(Jul 31 '11 at 01:04) brandonj
"Some children now don't even know how to read cursive because it is only taught one year in elementary school."
That's me. I hate not being able to read the teacher's writing... They should just put it up on the digital projector instead! :D
(Jul 31 '11 at 03:10) korin125
I play Gta on my netbook during classes...so,it depends on the school...
answered Jul 31 '11 at 00:51
My school is pretty loose about using electronics. I took notes almost all semester on either my iPad or my laptop, and my teacher only made me put it away a couple of times (Darn you Monopoly with 5 other people in class).
answered Jul 31 '11 at 00:38
I graduated last year but I was able to bring my iPad and laptop. They just would not allow iPods or any phone. You could use your iPad in class and a laptop in class as long as you were not listening to music and playing games. They also did not allow you on the WIFI.
answered Jul 31 '11 at 00:41
Tyler Hunt
Nice :) how could i convince my school to do this
(Jul 31 '11 at 00:43) brandonj
I don't know how you could convince your school my school just did it because they realized how fast technology was growing and that most things were done using technology.
(Jul 31 '11 at 00:48) Tyler Hunt
my school doesn't understand that and they still use xp on machines with w7 stickers on them out of the factory not even a year ago
(Jul 31 '11 at 01:02) brandonj
The reason why they are probably using XP is because some of their programs might not work on Windows 7, which is a logical reason to stay with XP.
(Jul 31 '11 at 01:04) JordanV
Schools Don't Allow tech cuz certain people will be playing on their iPod, iPhones, iPads, And Laptops instead of learning
answered Jul 31 '11 at 00:58
It distracts you from learning, what you go their for...?
answered Jul 31 '11 at 00:59
Callum Lord
I TA in a class lab full of computers doing photoshop work. This is a college and we get first quarter students checking facebook and texting while they should be paying attention to their $1200 class mommy and daddy just payed. So if 18 to 35 year old can't pay attention how do you expect teens to pay attention.
I've seen people attempt at note taking on an ipad. They look rather silly. chicken pickin
answered Jul 31 '11 at 02:53
My school is quite light and let's us use technology during passing time and lunch breaks. They DO NOT let us listen to music in class, except during work time and some teachers don't even allow that. Last year I used my Samsung Captivate the entire year for note taking and texting, searching the web to see if the teacher's right, etc. They don't really care. Most teachers have a rule... "If I don't see it or hear it, it's okay". So just hide it under the desk. lol.
answered Jul 31 '11 at 03:12


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The ultimate daily driver by An MSN Autos Consumer on 11/18/2013. Trim: 2014 Porsche Cayman S, Owned less than 1 year.
Pros: After 110,000 miles in an '06 Cayman S, one look at the specs and one test drive caused me to place an order when I expected to keep driving the '06 for many years to come. The overall sense of design and quality is improved as are power, handling, and finishes. I never thought I'd buy a sports car without a manual transmission but the PDK is so much better than I can be, that it makes no sense to stay with a manual. The 06 was a marvelous daily driver and this is better although options are still pricy the quality is worth it. Biggest surprise is the fuel efficiency with 31MPG on a recent multi-state drive. Comfort and luggage space is adequate for 2 on long vacations.
Cons: Nothing.
Overall review: I've always driven a mid-engined sports car as a daily driver and this is the best to date at an affordable price considering both performance and quality. If price is an issue avoid the upgraded trim options, Burmester sound system, Sport Exhaust (though it does sound great), power seats and PDLS. Unless you are going to track it, skip the PASM, Sport-Chrono, and ceramic brakes. The price can be kept below $70K for an S. After just driving a Cayman S and a Carrera S on a track I prefer the Cayman for its superb handling.
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X-Hose Pro®
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10 U.S. Code § 822 - Art. 22. Who may convene general courts-martial
prev | next
(a) General courts-martial may be convened by—
(5) the commanding officer of an Army Group, an Army, an Army Corps, a division, a separate brigade, or a corresponding unit of the Army or Marine Corps;
(6) the commander in chief of a fleet; the commanding officer of a naval station or larger shore activity of the Navy beyond the United States;
(7) the commanding officer of an air command, an air force, an air division, or a separate wing of the Air Force or Marine Corps;
Source(Aug. 10, 1956, ch. 1041, 70A Stat. 44; Pub. L. 99–433, title II, § 211(b),Oct. 1, 1986, 100 Stat. 1017; Pub. L. 109–163, div. A, title X, § 1057(a)(2),Jan. 6, 2006, 119 Stat. 3440.)
|Revised section
|Source (U.S. Code)
|Source (Statutes at Large)
|May 5, 1950, ch. 169, § 1 (Art. 22), 64 Stat. 115.
Subsection (a)(2) is substituted for the words "the Secretary of a Department".
In subsection (a)(4), the words "continental limits of the" are omitted, since section 101 (1) of this title defines the United States to include the States and the District of Columbia.
In subsection (a)(6), the words "any other commanding officer" are substituted for the words "such other commanding officers as may be".
In subsection (b), the word "If" is substituted for the word "When". The words "if considered" are substituted for the words "when deemed".
2006—Subsec. (a)(5). Pub. L. 109–163struck out "a Territorial Department," before "an Army Group".
1986—Subsec. (a)(2) to (9). Pub. L. 99–433added pars. (2) and (3) and redesignated existing pars. (2) to (7) as (4) to (9), respectively.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
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text:
man if this is what selling your soul to a dark god looks like i'm glad i wasn't slated for project s.e.e.s.
i'd have come out even worse than miss let's sexually harass young men on the internet, oh by way i have a tentacle dick over there!!!!!!
1 year ago
- starlightinhiswakearchives likes this
- kaluminator said: are you high.
- themasterofwhat said: …You okay there?
- attolo posted this


text:
Teleseminar, Workshop, and CGW – Oh My!
This year I'm heading in new, interesting directions – expanding my medium to begin teaching and sharing what I know with groups of people instead of just one-on-one. Join me on the journey! Erin's Free Teleseminar – Wednesday, April 7, 2010 I'm doing my first live teleseminar on Wednesday, April 7 at 8pm EST. To… Read On


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October 28, 1999
The motor vehicles and equipment industry has posted notable gains in labor productivity during the current economic expansion. In three segments of the industry—motor vehicle assembly, parts manufacturing, and automotive stampings—labor productivity grew by at least 3 percent per year from 1991 to 1998.
[Chart data—TXT]
Labor productivity in motor vehicle assembly—as measured by output per hour—increased by 3.4 percent per year between 1991 and 1998. During the same period, output per hour in parts manufacturing rose by 3.1 percent annually, on average. In the automotive stampings industry, productivity climbed by 5.4 percent per year.
Note that measures of labor productivity reflect the joint effects of many influences, including changes in technology, capital investment, the level of output, capacity utilization, and the characteristics and effort of the workforce.
These data are a product of the BLS Industry Productivity program. Data are subject to revision. Find out more in Chapter 1 of Report on the American Workforce 1999.
Bureau of Labor Statistics, U.S. Department of Labor, The Editor's Desk, U.S. auto industry boosts productivity in 1990s on the Internet at http://www.bls.gov/opub/ted/1999/oct/wk4/art04.htm (visited September 22, 2014).
This edition of Spotlight on Statistics examines labor productivity trends from 2000 through 2010 for selected industries and sectors within the nonfarm business sector of the U.S. economy. Read more »


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Don't haggle during trade-in or have strangers come to your house to check out your used car! Donate your car to Goodwill and make a difference today. You'll receive a great tax deduction and help provide valuable training programs and services to individuals right here in our community!
Every donated vehicle is resold at Goodwill's auto auction. Proceeds from those sales go directly into the programs and services that Goodwill offers to help individuals right here in our community find employment!
Contact Goodwill To Donate Your Vehicle:
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text: Cormac Foster is a Research Director at Gigaom Research covering Mobile Technologies and Enterprise Operations. He has spent nearly 20 years in enterprise technology as a QA manager, product manager, industry analyst, and writer. As an Analyst at Jupiter Research, he covered content management, security, and enterprise operations. As a consultant, he has worked with a number of enterprise technology providers, including Dell, Research in Motion, Borland, Trend Micro, and Avocent. He has spoken at a number of industry events, appeared on CNN and ABC News, and has written for CNET, ReadWrite, and several other technology publications.


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What Pinterest is calling a new "look" is less of a redesign, and more of a new version. There's lotsa new stuff ("related" Pins, a la YouTube, huge discovery flow), and a lot of removed stuff (bye-bye "origin" trail, a la Tumblr, pout).
Many of these changes are of interest to marketers, but this post is gonna focus on the biggest one: The Twitter social graph (aka, "friend finder") is now completely accessible in Pinterest.
In other words: you can find your Twitter community, and they can find you, in a much more straight-forward way.
Twitter social-graph access is a critical tool for marketers and businesses on social platforms, because Facebook friend-finding is pretty much useless for businesses: Pinterest lets you connect to your personal Facebook account, but your business's hundreds/thousands of Facebook Page Likers are lost in a black hole, inaccessible to your business's new presence.
Twitter's all-accounts-are-the-same (no distinction between "real person" and "business page") structure works much better for joining new networks, and bringing over a community.
But until now, Pinterest had been kinda half-assed about Twitter social-graph access.
In the old Pinterest, at time of sign-up, you got a decent one-time pass at finding your Twitter buddies. But after that, you only got occasional email about Twitter friends joining, and a wacky, peekaboo feed that came and went with some of your Twitter friends (not clearly marked as Twitter friends, btw).
When you clicked "see all" you were brought to a Find Friends page that DID NOT INCLUDE TWITTER, just Facebook, even though it was just showing you a preview of Twitter friends. This has driven me crazy for a year+.
Now let's look at the new Pinterest Friend Finder.
This is more like it! Here are your Twitter friends!
Yay. Nothing like not having to rebuild your community from scratch.
Big + welcome news.
PS- It's worth noting that this does not require you to declare your Pinterest account a "business" account, or to have verified your website. The Twitter social graph access applies to all accounts who have upgraded to the new Pinterest.
PPS- the new Pinterest is not without some bugs/unfortunate changes. While I'm very enthusiastic about the new Twitter social graph access, I still recommend a fully considered evaluation before upgrading your Pinterest account.


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Be your own style icon! And create a unique style just for you. Today we are featuring classic designer Yoana Baraschi, paired with pearls. Or get a more casual approach with a Black Halo dress and silver flats. Either way, you're going to look good!
Yoana Baraschi has wonderfully cut designs. And her choice of metallic grays is very eye catching. Though her designs are simple. You can still feel like a movie star in one of her garments. This dress is high fashion! I love the fit, color, and style! This will look great with pumps and into fall with a great pair of black boots! My Star suggestions who would wear her designs are Katie Holmes, Nicole Kidman, Christina Applegate, and Paris Hilton.
Black Halo has some really fabulous designs. And their outfits can look great at the office or for any evening event. Now you're looking haute couture! Here are my favorite picks.
Black Halo Jackie O Dress in Black
Black Halo One Shoulder Jackie O Dress in Coral
Beautify your whole look with double strand pearls. As you know Pearls are up there with diamonds. Hence a girls best friend.
Cultured Pearl Double Strand In 14kt
Silver Paua Shell and Pearl Double-strand
Finish your look with a pair of kate Spade point silver flats. Or a pair of silver Jimmy Choo sandal flats in silver. The choice is yours.
Kate Spade silver pebble leather 'Devon' flats
Jimmy Choo Metallic Silver Leather Gemstone T-Strap Flats
Source: TheFind.com


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Some information is missing or invalid below.
This Ultra Spa bath rug updates your bathroom. The circular design lends a contemporary touch to your bath coordinates collection. Shop our full selection of Ultra Spa bath products at Kohl's.
- Soft cotton construction pampers your feet.
- Details:
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- Promotional offers available online at Kohls.com may vary from those offered in Kohl's stores.
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The links below are ads provided by the Google AdWords™ program. Outside companies pay to advertise via these links when specific phrases and words are searched. These ads are provided by Google and are labeled as sponsored links. Clicking on these links will open a new tab displaying that respective company's own website. The website you link to is not affiliated with or sponsored by Kohls.com


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Starting at
Up to
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Introducing the all-new
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See why an owner's love for Subaru lasts forever.
See what we're doing to be a leader in green initiatives.
Search for things to do near you, with the help of Subaru.
Learn more about the Subaru partners and charities.
Activating security, efficiency and convenience from your new Subaru vehicle
HomeLink transmitters are available for most 2005 Subaru vehicles. The HomeLink controls now combine with the auto-dimming mirror and compass in an accessory option.
Three HomeLink transmitter buttons are mounted on the underside of the inside rearview mirror frame, along with the controls for the auto-dimming mirror function and the compass. Each HomeLink button can be programmed to activate one of your home's radio-frequency-controlled systems, such as garage doors and security gates – almost any system for which you now carry a remote transmitter.
HomeLink technology helps to provide enhanced security, efficiency and convenience benefits.
Use HomeLink to turn on home lights and unlock doors remotely from the safety of the vehicle. Just as with the transmitter you now use, HomeLink can be operated at a distance from your home.
Efficiency and Usefulness
HomeLink transmitters are designed to be universally compatible with transmitters that utilize radio frequencies for their operations. Programming HomeLink to replace the remote transmitters for garage door openers, lighting systems, security systems and other functions from most major manufacturers centralizes the controls in one easy-to-use unit integrated into your vehicle's interior.
With HomeLink, you now utilize only one device to do the work of multiple remotes. The need for separate remotes for a gate and a door is eliminated, which simplifies the vehicle's interior.
In addition, the new HomeLink/compass/mirror is available as an accessory option for older Subaru vehicles as well. It will fit any vehicle for which the compass/mirror accessory option was previously available. Call your dealer for applicability.
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text:
Merit Scholarships - MMA recognizes students' academic achievement by awarding merit scholarships from $2,500 to $8,500 a year for first year students recently graduated from high school. Merit awards are competitive and available to students who attain specific academic performances, choose a particular area of study, have strong personal character and who meet certain demographic criteria. These scholarships are awarded whether or not a student has financial need.
A separate application is not required; decisions on merit scholarship recipients are made as part of the admissions process provided the application packet is complete by March 1. Academic merit scholarships are awarded under Early Action and Regular Decision. However, the number of scholarships available is limited.
MMA scholarships are renewable for 8-10 consecutive semesters (depending on major), based on maintaining a minimum grade point average of 3.3 at MMA.
For more information, contact the MMA Office of Admissions.
Scheel Scholarships - Academic merit award for upperclass MMA students who best exemplify the academic excellence and intellectual curiosity demonstrated by Mr. Henry A. Scheel, one of America's most respected Naval architects and yacht designers.
- Recipients are selected by a faculty committee and honored during Homecoming Weekend.
- Limited number; competitive
II. Need-based Grants:
Two Maine Maritime endowed grant funds are reserved for incoming first-year students with need as determined by their FAFSA data. Individual awards typically range from $600 to $2000.
I. Grants:
Pell - Highly need-based;ranges from $555 to $5550 a year.
SEOG - Must be Pell eligible to receive;range from $400 to $1000.
II. Loans:
Perkins - Five percent Loans fixed interest; repayment deferred until 9 months after graduation or withdrawal; a high-need loan;
Subsidized Stafford - A need-based loan with a low variable interest rate (6.8% effective 7/1/12); interest is federally subsidized while student is enrolled; repayment deferred until 6 months after graduation or withdrawal; maximum dollar amounts: $3500 (1st year); $4500 (2nd year); $5500 (3rd and 4th years); Students must complete a Master Promissory Note at www.studentloans.gov. MMA will certify student enrollment status and loan amount.
Unsubsidized Stafford loans - borrower is responsible for interest; - $2000 available to ALL students; - independent students are eligible for additional unsubsidized Stafford loan amounts. Students must complete a Master Promissory Note at www.studentloans.gov.
Parent Loan of Undergraduate Students (PLUS) - The federal PLUS program helps parents assist their dependent children in meeting the costs of higher education. Under the federal PLUS program, parents are the actual borrowers. Parents are eligible to borrow up to the Cost of Attendance minus any financial aid the student is eligible to receive. Parents must complete a Master Promissory Note at www.studentloans.gov and complete a PLUS loan supplemental form.
III. Work Study:
On campus or community service employment. Students earn bi-weekly paychecks, and may work up to 20 hours a week; wages range from $7.50 to $11.00 an hour.
IV. Veteran's Educational Assistance:
Maine Maritime Academy programs are approved for the enrollment of military personnel, veterans, and their eligible dependents by the various educational assistance programs (GI Bill). Students who plan to receive VA benefits must contact the Registrar.
V. Navy ROTC Scholarship and College Programs:
See MMA Catalog for specific information on Navy and Marine ROTC national scholarshipsand the Navy ROTC College Program.
VI. Stategic Sealift Officer (SSO):
For students pursuing a USCG Unlimited License and designed to ensure the United States has a sufficient merchant marine to serve as naval support in time of a national emergency. The Maritime Administration (MARAD) is presently funding a Student Incentive Payment (SIP) of $8,000 annually to offset school costs.
I. Grants:
Maine - FAFSA data submitted by the May 1 deadline will be forwarded to The FAME/Maine program. - If your EFC is less thanFAME's specified dollar amount, public college students (MMA) will receive $1000 for the year.
New England, Pennsylvania, Maryland - These states have a reciprocal agreement with the State of Maine.
Each state calculates grant eligibility differently - most will use your FAFSA information. Each state's deadline is listed on the cover of the FAFSA.
I. Private Scholarships/Grants:
Private organizations offer financial assistance to many qualified individuals each year:
Some websites offering additional financial aid information:
II. Alternative Loans - Alternative loans are credit-based, private loans offered by many lenders that can be used to supplement aid provided by Stafford and/or federal PLUS loans. Alternative loan requests can be denied by the lender based on credit history and ability to pay the loan. When borrowing an alternative loan, interest begins to accrue immediately after disbursement. Dependent and independent students are eligible to borrow, however, a co-signer may be required.
III. Payment Plan Option
MMA offers an affordable, interest-free alternative to lump sum payments. The Monthly Tuition Payment Plan from Tuition Management Systems
Contact our Finance/Business Office at (207)326-2243 or contact Tuition Management Systems at (800)356-8329.
If your family/individual financial circumstances change dramatically during an academic year it is possible that your financial aid could also change. If you feel that you have significant reason to request a review of your financial data, you may do so. Each review situation is handled on an individual basis and not all requests result in a change of financial aid.
All colleges have the right to review, but not all colleges will review in the same manner. Making requests for another child at another institution may not result in the same changes at both schools. We will do our best to help.


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This blog focuses on making complex and difficult topics in estate and business planning understandable and applicable to the reader.
Andy is an Agribusiness Consultant for AgCountry Farm Credit Services, Fargo N.D., a farmer owned cooperative and part of the Farm Credit System serving eastern North Dakota and northwest and west central Minnesota.
The Federal Estate Tax is a tax on your right to transfer property at your death. It consists of an accounting of everything you own or have certain interests in at the date of death. The fair market value of these items is used, not necessarily what you paid for them or what their values were when you acquired them. The total of all of these items is your "Gross Estate." The includible property may consist of cash and securities, real estate, insurance, trusts, annuities, business interests and other assets. Also, surprisingly to most, life insurance proceeds are among the types of property that are subject to estate tax. Estate taxation of life insurance proceeds centers around ownership of the policy and payment of the proceeds. If the proceeds of a policy are paid to the insured person's estate, then they will be fully subject to tax on the insured person's death.
An irrevocable life insurance trust ("ILIT") is a tool that one can use to designate what happens to the death benefit proceeds at death; specifically, to help beneficiaries fight the federal estate tax burden, if applicable. The trust "owns" your life insurance policy, pays the premiums and gives the death benefit to your beneficiaries when you die. By placing ownership of the policy with a trust — not the insured — it removes the death benefit from your estate. They are a good tool, but there are many requirements associated with them in order for them to work properly. Set up properly, the trust can cover the tax bills of an estate, or other goals. In my next posting, I will cover the requirements of and ILIT specifically. Stay tuned.


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Eat These Foods to Cut Calories on Date Night
Going out for a nice meal should be fun. Don't punish yourself with something lame follow Hungry Girl Lisa Lillien's lead and enjoy your dinner!
By Lisa Lillien
Jupiter Images/Getty ImagesBack Next
Beware of the salad: Most taco salads are smothered in fatty toppings and served in greasy shells. Go with chicken or shrimp soft tacos for about 200 calories each; pass on the sour cream and pile on salsa. (Spicy food helps you feel satisfied and may even boost metabolism a bit!)
Dorling Kindersley/Getty ImagesBack Next
Order an appetizer as soon as you're seated, such as minestrone soup or a side salad with vinegar and oil, so you won't be tempted to devour the entire bread basket. If you want pasta, ask for it as a side to a grilled chicken or fish dish to get the taste you love in a smaller portion. Just be sure to skip creamy alfredo options; choose a tomato-based sauce instead.
Broth-based soups fill you up, so have a cup of egg drop or hot and sour soup for about 80 calories. Then share an order of steamed shrimp dumplings (about 50 calories per dumpling) and beef with broccoli. It'll be plenty of food, as most Chinese entrées are meant for two. Tip: Order any entrée steamed, sauce on the side, to cut fat.
Smneedham/Getty ImagesBack Next
Start with the ultimate guilt-free appetizer, shrimp cocktail. An order usually has less than 100 calories and hardly any fat. Next, look for a petite sirloin or filet mignon with veggies instead of spuds. (Not a steak fan? Try a nonfried app and a salad instead of an entree.) And if they have those trendy mini-desserts, go for it.
Heading out for sushi? Start with superlight miso soup, edamame, or seaweed salad. Then steer clear of rolls with the words tempura, crunch, dynamite, and spider in them those are typically stuffed with fried shrimp and crab or covered in globs of mayo. Instead, share a variety of more traditional fish or veggie rolls, like salmon or yellowtail, and some sashimi.


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sulfsby started the forum topic How do I invite friends? in the group How-To and Troubleshooting: 4 years ago
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Tuesday, Oct. 28th 2014 – Save the Date
Mark your calendars. The date for the 2014 Pacific Building Trade Expo has been set for Tuesday Oct. 28th 2014 at the Hawaii Convention Center.
Sign up for a booth early and get a special discounted rate.
Contact Barbie at email@example.com to sign up or for more information about exhibiting at the show.
Mahalo to our 2014 Sponsors


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Grooveshark is full of pretty big music geeks, so it's only natural that whenever music performances take place in our hometown (Gainesville, Florida!), we've got to be there. We're fortunate that Gainesville often finds itself on a lot of great artists' tour routes. We love to invite artists to our office to kick back a bit, share their insight and experiences from the tour, feast upon cuisine prepared by our in-house chef, and, if we're lucky, record some awesomeness here in our own office.
The past few weeks we've had the pleasure of having some of those artists visit our office. Here's a recap of some of the artists who have come by recently.Above: Emancipator came in and we got a great interview with him and his violinist.Above: Emancipator tour dog! We theorize that all domesticated animals love Grooveshark. Soft shirts!Above: Marley Carroll swung by and showed off some crazy turntable skills — be on the lookout for the upcoming Grooveshark Presents video (Instagram link).Above: The one-man band/touring machine Netherfriends dropped in to lay down a short set in our music room (Instagram link).Above: Matt Pryor (singer/songwriter of The Get Up Kids) stopped in with his son, the esteemed Mr. Jersey, and recorded an acoustic set (Instagram link)!Above: Badfish played a show in Gainesville, we stopped by the venue for a chance to meet them.
If you're an artist coming through Gainesville on tour, get in touch with us, stop by, pickup a shirt, and grab some dinner at the office. We'd love to meet you!
PRO-TIP: If you're on an iPhone, follow our Instagram account (@grooveshark) for the latest and greatest artists to visit the Grooveshark Offices.


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Economics Job Market Candidates
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Ahmed Alzahrani
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Dissertation: Exchange Rate Prediction under Model Uncertainty
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Minwook Ha
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Dissertation: Three Essays in Factor Analysis
JMP 1: Uncovered Interest Parity and Global Risk Premium
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Malcolm Kass
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Dissertation: Conflict and Conflict Resolution between Organizations
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Jianning Kong
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Dissertation: Three Essays on Incentives and Motivation among Workers
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Dissertation: New Methods in Common Factor Modeling and Experimetrics
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Shengzhe Wang
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XSEED Games Announces October 13th Ship Date for JU-ON: The Grudge
XSEED Games Announces October 13th Ship Date for JU-ON: The Grudge Just in time for Halloween, XSEED Games has been holding a grudge on Wii owners an
XSEED Games Announces October 13th Ship Date for JU-ON: The Grudge Just in time for Halloween, XSEED Games has been holding a grudge on Wii owners an
EA's FIFA Soccer 10 Available Now for iPhone and iPod Touch The wait is over s FIFA Soccer 10 Available Now for the iPhone and iPod Touch and in Stor
Demon's Souls Servers Scheduled to go Live on Tuesday Gamers who score an early copy of the game must wait until October 6 to play online Atlus has a
October 2, 2009 2Moons Game Update Released Massive 2Moons update featuring a brand new character class, weapons, items, and interface! Acclaim Games
GAMESCAMPUS CELEBRATES OCTOBER BASEBALL WITH AN UPDATE FOR MLB DUGOUT HEROES OCTOBER 8th New Enhancements To Include Console Style Menu, Enhanced Min
Playlogic Announces Best Buy Fairytale Fights Pre-Order Program Grab Your Chainsaws and Swords and Claim Your Copy Now Before Youre Left Out Of This
October 5, 2009 UBISOFT SHIPS WHERE'S WALDO? THE FANTASTIC JOURNEY VIDEO GAME Interactive Game Featuring Publishing Phenomenon Now on Store Shelves T
Soccer Fun Kicks-Off in Free Realms Grab your cleats and soccer jersey because the highly successful online game Free Realms is launching its newest
EA and IDW Launch Army of Two and Dragon Age Comics Electronic Arts Inc. announced today that it has signed a deal with IDW Publishing to expand two
XSEED Games Announces October 13th Release Date For Half-Minute Hero PSP exclusive speed action RPG gives players a half-minute to complete challengi
Nexon America unveils BlockParty, an online games and social networking service designed for gamers Nexon America has begun its rollout of a new, fre
October 6, 2009 Gary Grigsbys Eagle Day to Bombing of the Reich Is Now Available! A wave of thrilling air campaign action has been spotted on radar h
October 6, 2009 Big names in Music sign up for U-SING the game Determined to take the #1 position in the console karaoke genre, Universal Music Minds
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Tony Hawk: RIDE Full Soundtrack Revealed Activision has unveiled the track list for the highly anticipated Tony Hawk: RIDE video game, which is due t
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VIVA MEDIA'S RACE ON IS AVAILABLE IN US RETAIL OUTLETS STARTING TODAY Drivers, get ready for the most realistic racing action ever! Snap up your copy


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PHOENIX (AP) - A taxi driver convicted of manslaughter in the beating death of a man in Avondale has been sentenced to 12 ½ years in prison.
Maricopa County prosecutors say 46-year-old Gary Mayo was sentenced Friday.
A jury found Mayo guilty with an aggravating factor in February.
Mayo, of Peoria, was arrested in August 2011 after witnesses told police they saw Mayo and another man beating 57-year-old James Fournier.
Fournier was a lead engineering inspector for Peoria.
Witnesses told police a fight broke out after Mayo backed his van out of a parking spot at an Avondale strip mall and nearly hit the vehicle in which Fournier was a passenger.
Police decided not to pursue charges against the other man in the case, who was a passenger in Mayo's van.
Follow this story:
Copyright 2013 The Associated Press modified.
4739 NW 53rd Avenue, Sutie BGainesville, FL 32653
Phone: (352) 371-0051


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I've been a movie buff since little girlhood. Growing up in Cotton Plant, I saw every offering at James Theatre and occasionally films shown at other venues that were a part of my life during that period.
It was at this time that I developed admiration for so many actors who graced the screen for most of my life. Some are still around, though most have taken their places on the heavenly stage.
By: Lynda Hollenbeck
"They" say — whoever the proverbial "they" might be — that timing is everything.
I won't argue with the thought, particularly in regard to the timing of this column. As I write it, Thanksgiving hasn't happened yet, but by the time it's published, Thanksgiving 2013 will be history.
So what do I focus on as I face the challenge of being betwixt and between what really is my favorite holiday of all? I guess I'll just go for a hodgepodge of "stuff."
First, to belabor the point I just alluded to, Thanksgiving really is at the top of my holiday calendar list.
Lynda Hollenbeck
There are certain foods that I like year-round, but they don't come to mind until special seasons of the year.
One of these is candied yams. I could enjoy these any day of any week of any month of any year, but unless something brings them to mind — or really to eye — I just don't think about them.
While sweet potatoes themselves have more or less come into their own in recent years, I have to be reminded that they're around — though truth be told, I never met a sweet potato I didn't like.
Recently, as I was fishing around in a dresser drawer, I came across an old watch that had belonged to my daughter a lot of years ago. This was a Cinderella souvenir timepiece and featured the beautiful Disney character under the crystal.
Judging from the number of Cinderella wannabes I saw recently at Downtown Benton's Spook City, it appears that Cinderella still is a popular literary/movie heroine for little girls.
Earlier in the week Courier publisher Steve Boggs gave his take on Daylight Saving Time — or rather on the adjustments one must make to accommodate the semi-annual change from Daylight Saving Time back to Central Standard Time.
Steve's chief concern was resetting all the clocks that govern his life.
Remember the time when Halloween got a bad name? Religious right groups and various others protested the holiday as evil, and trick-or-treating for a lot of youngsters was verboten.
Witch costumes in particular were viewed as symbols of demonic worship.
Even when it wasn't a popular position to take, I argued in favor of the celebration and said folks needed to lighten up and let the kids enjoy a harmless activity.
There's nothing any cuter than a little girl all donned out in witch's garb, particularly the classic pointed hat.
It's been a long, long time since I've worn maternity apparel ― and obviously I won't be doing a repeat of this style in my future ― but I do remember those days.
Yet as a woman who likes fashion and loves babies, I have taken an interest in recent trends in clothing styles for expectant mothers.
In the fashion world, like everywhere else, changes are inevitable. Some are good; some are not.
A man walks into a donut shop with an envelope under his arm, beckoned by the glow of the "hot now" neon sign in the window.
"Hey, whatcha got there, fella?" asks a patron enjoying his morning cup of signature house decaf, a flavorful Central and South America blend with all of the taste, but none of the jitters.
"Say, friend. What I have here will change your life! Guaranteed to make you a household name in no time flat." said the man as he patted the brown manila package with the palm of his free hand.
When I was a little boy, my sister had a black cat. We weren't a superstitious family at all, so the color was of no consequence to my parents, my brother, sister and me. It was a normal cat. It loved attention, up until the point when it was through with you and walked away.
The best that I recall, it was a happy cat as well. I don't remember if it was male or female, but the gender is of no particular importance here.
Lynda Hollenbeck
Children are fascinated with water — especially little boys. At least that was true for the two I raised.
Their sister had no interest in H2O except as a beverage or something to swim in. But Big Brother and Little Brother were different stories altogether, and the little one's antics made him somewhat of a legend in his own time.
Paul, the senior member of the trio, coined a new word for water. I just don't know how to write it.


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Library Policies & Procedures
Your Library Card:
An Alpha Park Library card is issued to any resident living within District boundaries who presents proper identification showing current address. Parental signature is required for patrons under age 14. Card-holders may borrow items from all area libraries, participate in library programs, and make use of library facilities and computers.
Persons who live in an area that is not served by a public library, and for whom Alpha Park is the closest library, may purchase a non-resident card. The current charge is $80 per year. For further information, please call the Circulation Department at 697-3822, ext. 10, or speak with Marysue Baker, Circulation Manager, at 697-3822, ext. 18.
Loan Periods & Limits:
Rental books 1 week
Magazines 1 week
Videotapes and DVDs 2 weeks
CD-ROMs 1 week
All other books 3 weeks
Books on CD and Cassette 3 weeks
Music CDs 3 weeks
Toys and Games 3 weeks


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Where's Your Financial Comfort Level?
Published on - December 23rd, 2009 (by J.D. Roth)
This is a guest post from Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the advisor for The Motley Fool's Rule Your Retirement service. He contributes one new article to Get Rich Slowly every two weeks.
I must confess to a new habit: I collect discarded ATM receipts. It all started when I walked by the bank in the building next to Motley Fool Intergalactic Headquarters, and found one such receipt blowing in the wind. I was shocked by how little the person had in her/his bank account, and how much she/he paid to get what cash was available.
To see what I mean, check out the stats on seven receipts I've recently picked up:
|ATM Fee
|Account Balance
What comes to your mind when you look at those numbers? Here's what comes to my mind:
- Some people have very small bank accounts. Only one of those accounts is substantial. Of course, this may not be the only bank accounts these people have. But if it is… well, these people are living on the financial edge. I suspect they have other accounts with much bigger balances: their credit card accounts.
- Some people are willing to pay a lot to get their cash. Three of these people paid three bucks. In the case of the last person, that $3 ATM fee was 15% of the withdrawal and 4.5% of the entire bank balance.
- Some people don't give a hoot about polluting. I don't dig through the garbage for these receipts; they all have been thrown on the ground. Some people take the time to rip them up and then throw them on the ground (even though there's a trash slot under the ATM). I have considered the possibility that the receipts I collect aren't indicative of banking customers in general but a self-selecting sample — specifically, people who have little regard for their community also have little regard for their own personal finances. Just a theory…
What's your ther-money-stat?
Here's another theory I have: We each have an internal level of financial stasis that involves having a certain amount of money in the bank, a certain level of debt, and a certain amount of each paycheck going to savings — an internal "ther-money-stat," if you will. If we somehow find ourselves in a better situation than our regular level of financial comfortability, we turn up the spending. Perhaps it's due to a raise, or a bonus, or an unexpectedly large tax refund. But as historian C. Northcote Parkinson wrote, "Expenses rise to meet income."
On the flip side, there's a level at which we freak out. Our financial condition drops below our internal ther-money-stat, and we swear off restaurants, movies, vacations, and anything but the necessities. (By the way, a difference in these internal levels is one of the biggest sources of conflict between couples.)
If I had just a few hundred dollars (or less) in the bank — as is the case for plenty of people, according to the ATM receipts I pick up — I would immediately cancel the cable and the cell phone, turn down the heat and layer up the sweaters, and likely get a second or third job. I would barely be able to sleep with that little in the bank.
Of course, I don't know the stories behind these receipts, but my guess is that these folks have a much lower ther-money-stat than I do. The question is, can it be changed? Can someone who is willing to pay $3 to withdraw $20 from a $71.04 bank account turn into someone who would not rest until there's three to six months' worth of living expenses in an emergency fund?
I think it's possible; you GRS readers have told us before what got you to become fiscally fit. But I bet it's not easy.
Season's depletings
I suspect that many of us (myself included) tend to get a bit self-righteous when we see evidence of people making bad financial decisions. However, I can't help — especially at this time of year — to also feel sorry for these low-balance bank customers. There are plenty of people who are experiencing tough times due to no fault of their own. I can even conjure images of parents withdrawing from their measly accounts to buy gifts for their kids. (I'm a sucker for a holiday sob story.)
So whatever the reason for these folks' modest bank accounts, here's to hoping that they — and you — have an enjoyable holiday season, and that 2010 brings bigger bank balances to us all.
This article is about Budgeting, Psychology
That's a lot of unexamined assumptions! If you picked up my ATM receipt, you would see something similar, but the real story is this:
- Checking is always low, especially at the end of the month. I send everything that matters to savings, and make transfers when necessary. There's no reason to keep $8000 sitting in a checking account in this day of electronic transfers and instant balance inquiries.
- The checking account has overdraft protection via savings. This doesn't cost me anything.
- I pay the extortionate $3 ATM fee without blinking because it is refunded by my bank up to 10 withdrawals per month. I have a great bank.
It's hard to say from just one checking account. My account that I share with my wife is usually hovering around the 50-100 range. When we get our paychecks, we pay the bills, put money in our savings account, spend our fun money and hold on to a bit of cash in the checking account for gas and miscellaneous expenses. The majority of money is in our savings account as I think it should be. I'd rather have a higher cushion than $100 but to have almost $9,000 in what I'm guessing is a non or very low interest bearing account is crazy.
Also, ATM fees are the devil. I kick myself when I don't plan far enough ahead and have to pay them – which isn't often.
One thing you may also want to consider is that some people (such as myself) keep a very low balance in their checking account. Many of us keep just enough to pay the bills; and transfer the rest to a higher yielding savings account such as eTrade or ING.
Merry Christmas and Happy Holidays!
I've never understood why people leave their receipts behind, or chuck them on the ground. When you withdraw cash (at least in England) the machine will ask you whether you want a receipt, so why would someone say "Yes" if they don't actually want it?
@John I don't remember ATM machines in the US having that option but the simple answer is because people don't care. I hate littering but I see it so often that I've gotten pretty jaded about the issue.
After seeing a person literally throw trash out their front door into the gutter in front of their house, I see that some people absolutely couldn't care less about not living in an area surrounded by filth. And yes, trash trucks came to that area to pick up twice a week.
I agree with rzrshrp, it is tough to tell from one account. I get money out of my checking account as quickly as possible just so I won't be tempted to spend it – every cent is budgeted so I know exactly what's going where. That said, because I'm so obsessed with where every dollar is going, I normally wouldn't withdraw cash ever. Everything's carefully managed between automatic withdrawals, etc.
For me, my ther-money-stat freakout alarm sounded when I realized that we only have about 1.5 months worth of expenses in the saving account – ACK!!! We don't have any credit card debt, but are still paying on cars, a house, and student loans – DOUBLE ACK!!!
Even though our family makes what most Americans would consider to be a VERY healthy salary, we've moved to a beans-and-rice and otherwise minimal spending lifestyle. I don't want to wake up when I'm 45 or 65 (we're in our late 20s) and then realize that I've only got $70 in the bank account.
don't these receipts have account numbers on them? I would be concerned some unscrupulous person would take that info and have some fun.
That being said, it is rare that I withdraw money from an ATM. If I need, I'll get cash back when I am grocery shopping or make some other type of purchase. If you saw the balance in my checking account you might think I was living on the financial edge, but like rzrshrp I don't keep a lot of money in my checking account, maybe $100 a week for gas or incidentals and as a bit of a cushion. I prefer to keep money in a savings account unless I need to use, and then I will transfer to checking if necessary.
Oh gosh, the ATM! Cash gets me in so much trouble. If I have cash I spend it! When I use my card, I can track that, so it makes it more real. I just talked about this yesterday on my blog:
Great post! I am going to check out your site now!
It's kind of creepy but also fun that you're collecting these. Almost like a sociological experiment.
As for the ther-money-stat question, mine is the pile of cash sitting in our ING account. Sure, it's meant for a down payment, but with that pile sitting there I feel invincible.
If I got fired tomorrow it would suck, but I'd be fine.
Now, after we buy a place…that will change…
I agree. Different people can have vastly different comfort levels regarding extra cash in checking. However, checking account balances can be misleading. Personally, I have about eight dollars in checking at the moment. I also have almost ten thousand in savings and over 100-thousand in retirement accounts.
By the way, ATM fees are for suckers.
I wonder about concluding anything from this. Every pay check gets direct deposited into my checking, but quickly gets transferred out, so my ATM receipt if I used the ATM would show a small account balance. Also, many banks rebate the ATM fees charged to their customers from other banks' machines, so some of those $3 fees are really zero.
I think the ther-money-stat theory holds some truth and is exactly the reason my husband and I choose to keep our checking account balance low, shoving whatever money we can over to savings. From week to week I keep only what we need for the next few weeks' budgeted expenses plus a small cushion in checking. The balance rarely drops below $200 but also never exceeds $1200-$1500 (which may not seem substantial to some people but it is well in line with our income and expenses.) The savings account is linked to a checking account so that money can be made instantly available in case of an actual emergency or planned large expense but keeping that money out of the "spending" account keeps it from being spent.
I agree with others, you cannot really say how much money these people really have in the bank…
At the start of the month I transfer all the budgeted money into their respective savings accounts and subaccounts, leaving not very much in the checking account (around 100euro or so)
whenever I need the money I transfer it between checking and savings (I have free transfers between my accounts, as well as free ATM), and I'd rather have all my money in various savings accounts giving me interest than having it stay idle in the checking account…
so if you'd find my ATM receipt (which you won't :-> ) you would also think I'm a poor guy with lots of debt, but you'd be rather wrong :->
Less than $100 stands out to me. I don't do much spending from my checking account, so I try not to keep too much in it, but I don't like to have it below $500. You'd also see some ATM fees (not usually $3), but they are refunded to me at the end of every month.
We keep a $500 buffer in checking, in case of an error on our part or some other issue, but the revolving balance is usually over $1K, but this is usually because some check is uncleared. All the real money is in ING, a bank CD or our small retirement accounts.
I always go to the same ATM, which is where my bank is. Fees are for people who can't plan out when they need cash.
I agree totally with the idea of a thermostat for money. One of the biggest things I have had to learn to do was to trick my thermostat into letting me save more. It's not that I couldn't save, or that I wanted to spend all that much, just that a really large emergency fund balance looked and felt so weird; I couldn't sustain putting money aside. I had good retirement savings, but my emergency fund was stuck at $5k for a few years.
So I stopped trying to save a large lump sum and built a yearlong monthly CD ladder, each CD in the amount of my new mortgage payment. It was a psychologically significant amount, and it was small and manageable. Now I have an emergency fund that's four times what it was before I had a house. It's an easy six month's living expenses (probably a year with unemployment).
Another trick is using my checking account only for the month's expenses. I budget by the squeaking sounds it makes; it's frequently below $50 at the end of the month. I've been doing that for years and it works really well for me.
I always look at the abandoned receipts too.
They seem to fall into 2 groups. People who tried to withdrawl $100 (or some other relatively small amount) and didn't have enough in the account, or people who withdrew some amount and have a balance of $10,000 or more.
I assume the first group discards the receipts out of anger and the second out of indifference. I often wonder why someone would keep $10,000 in a checking account. Do you really need access to that much money on a regular basis?
I usually try to keep a minimum of about $1000 in our checking account, and $1000 in a linked money market account. Almost all our financial transactions are electronic and we put everything we can on our credit cards (and pay them off every month) so it's not unusal to have a credit card bill upwards of $1000. With other bills being deducted automatically, there would be too great a risk of overdraft with less. And with interest rates so low right now, it's not like there is anything better to do with the money.
One of the first things I did to dig myself out of debt (and a habit I continue to this day) was stopping paying ATM fees.
Not only did it save me 3-15% of all the cash I pulled out, it forced me to think about when I needed cash and better plan my spending. I couldn't just leave the bar and walk across the street to an ATM, I had to plan beforehand how much cash to take, because the ATM there charges a fee.
These little changes in behaviors add up.
I agree with the other comments on here. J.D. does make the comment that we don't know what other accounts they have, but we keep our checking account balance higher than one month's rent. I figure if there is enough money to cover our largest monthly expense, almost all other incidentals should be less expensive. For real emergencies, there's savings which has more than the checking account and earns a lot more interest. As far as ATM fees, we almost completely ignore them now because our bank refunds all of our ATM fees (include a $6 ATM fee we incurred on vacation a few months ago!).
Funny, I used to this in college. But our current ATM receipt wouldn't look much better since our day to day accounts are kept pretty low, $1000 or less, more often $500 or less. But we have cash in other accounts, savings, other checking accounts not tied to our ATM cards and in our ING accounts.
My ATM receipt might also show a charge to access cash (although probably not since most times I hit my own back) but my bank refunds three ATM charges a month.
Although the responses here would indicate that many purposefully keep their checking acct totals low as a strategy to maximize interest earned or as a psychological move (keeping money out of sight, out of mind), I have little trouble believing that the receipts you have sampled indicate exactly what it looks like- people who are chronically living on the edge of bankruptcy and playing money roulette.
Most people just don't think about managing their finances or how much they pay to withdraw money at an ATM.
I think the solution is education. Anyone can achieve financial freedom if they learn how to manage their finances and increase their income. It doesn't matter how smart they are. It doesn't matter how much money they make. It doesn't matter how much debt they have.
That's one reason I love this blog and similar financial blogs. People can begin to learn about finances, and how to make money (like from having a blog!). That can lead to books, CDs and seminars. Through that kind of education, anyone can learn the skills to make as much money as they want.
@Minderbender – I agree. Many of the receipts I find show the person is trying to withdraw $100 and it is denied because the account only had $70. Living that close to the edge AND not even knowing how close you are, is not a good combination.
My receipts will have a very low balance too since I place most of my money in online accounts. I only use my brick and mortar bank for deposits.
Scientifically, I agree you can't tell anything from this experiment. However, I do find it fascinating. I find it interesting to observe behaviour of people I come in contact with throughout the day.
I would guess that, even if it is a self-selecting sample, the results wouldn't be accurate (for lack of a better term) than most statistics that are thrown around currently.
Concerning my comfort level, I'm probably young enough to be used to being poor so the fact that there is less than $1000 in our checking account, while slightly worrysome, is not a freakout point yet. My wife and I are slowly working to keep maybe $1500-$2500 in checking while paying off student loans, building the EF, and paying off our CC. The CC are atleast low and really are just slightly larger expenses from the last couple of months that we paid upfront with the card and are paying off in installments now. Her card is at 0% interest now and accrues money to pay down her student loans which is a pretty nice perk for now. Hopefully as we get more settled and better at tracking/predicting our expenses, we'll move our ther-money-stat up a bit.
Psh. I have a checking account just for my allowance and if you saw the balance thinking it was my everyday checking you'd be *stunned* (it's currently about $10). It's fun money, I'm allowed to spend it on frivolous stuff, and keeping it in a seperate account keeps me from over spending.
Plus, the bank refunds any ATM fees incurred on that account, so I don't worry about them.
I like having my checking around 1k. It makes me feel better. Especially as I generally use my debit card for everything, so if I had an emergency happen to my car or some other emergency, I could probably just use my card. Anything bigger, and the situation would probably take a few days to work out and I'd have time to transfer funds.
On getting the receipt – I like getting mine, but not keeping it. If I get the reciept, it confirms my account balance. Otherwise I end up having to go through the ATM menu completely twice: once for the balance and once for the funds.
I don't have any problems with the balance a person has but I do take a huge issue with ATM fees. I told my Mom that she paid quite a bit in ATM fees and she said she knew but was too lazy to go up to the bank. When the next bank statement came in, I added up the ATM fees and she was agog at the total. Needless to say, she now goes to the bank or does cash back at the register when grocery shopping. Personally, I hate the idea of paying to get my money. It's enough I put in the bank for them to use it to make more money; but to charge me……..No Ma'am/Sir!
On a side note, I wonder how many of the reciept thrower aways (made up words) spent money on shredders protecting their information only to leave a major part of it on the floor for all to see?
That can be deceiving. If someone picked up my receipt they would think I had 20.00 to my name. I keep a very low balance in my checking account and transfer all other money to my higher yield online savings account…i also get my ATM fees refunded each month by my bank…so I'm really not paying anything to get my money…
The older I get and the more entrenched I get in life, the larger amount of money I need to feel comfortable…20,000 is my new comfort level…
i work as a nurse and emergencies happen…to everyone…i do not want my financial life ruined by one…
I'm a bit surprised at those low numbers, too. When I was younger (20-30) my ATM receipts would have looked like that (but never below $100). When I bought my first home (27) I would have kept enough to cover my bills and outstanding checks plus one months mortgage – so you'd see close to a thousand dollars in my checking account. Today I still abide by the same requirements – however my house and mortgage payment are bigger now so you'd see more in my account (but not quite the $8000 the one person had).
As for money market savings I used to be comfortable with a few thousand in that. But as I got older and had more financial responsibilities I had a bigger savings account. Now I am not comfortable unless I have enough to buy a car in my savings. That money should get me through most any major emergency. Someone mentioned $20k, that's about right although in light of recent economic times I'm keeping more than that.
The comments are good, but I think most people are missing the point of the article. I think the ATM receipt approach is kind of a stretch for what is a good topic. I understand what Robert is saying.
After receiving my paycheck, and accounting for bill transfer, 401 contributions, and other savings contributions, I aim to have $500 – $700 cash for 2 weeks of expenses (which is usually more than enough). However, if for some reason after all my transfers, I end up with, say, $900-$1000 in checking, I tend to think of some "want" that I can now comfortably afford. Sometimes, I put that cash in savings.
Conversely, if after all my transfer and bills, I am left with only say $400 – $500 for 2 weeks, it makes me a little uncomfortable, and I start to think about pinching pennies a little bit so as not to have to go to savings for back up.
It's the psychology of money and how we handle it.
I think it is indicative of today's society. We tend to overlook common sense for convenience. My DW will withdraw funds from the nearest ATM rather than travel a bit to make the withdrawal from our bank. Lectures about the fees incurred fall on deaf ears. The value of time trumps the value of money.
I think you make too many assumptions. My checking account is always low just before payday. When we get paid we pay the bills due before the next payday and everything else goes immediately into investments or savings with the exception of a ~$200 cushion.
As for the fees, you don't really know what's going on. Perhaps this person is primarily "cashless", needed cash for a certain transaction, and there were no branches of his bank nearby.
This post spoke to me because I was one of those people. I figured if I have $10 left in the account, no worries. And yep, the $3 wouldn't have slowed me down at all. I am thankful that I reset my thermostat!
There is something that is being over looked. If you're reading the blog post on "Get Rich Slowly" you are probably concerned about saving, investing, and building wealth. If you have been following any of the advice on this site, or used common sense for that matter, you probably have a reasonably comfortable amount of money in your savings accounts that can be transferred to your checking account relatively quickly.
But, I think the article is relatively accurate in capturing the spending and savings habits of the average American. Remember only in the last year has the savings rate of the average person in America crept above 1%.
So yes, have pity for most of these people. As a CFP and professional in this realm try to help educate them (even if it is the manner of free workshops). If they are in the same boat I was in, or J.D., or many of the readers here found themselves in not so many years ago, they are lost and looking for answers, and hope that they are able to find security and peace of mind in their finances.
Count me among those who would have a low balance on the account from which I withdraw the cash – it's just my slush fund, the only account where I take any sort of money from in the first place. My "real" money lives elsewhere. Furthermore, I don't mind the ATM fees because I use a credit union that refunds them at the end of the month (Navy FCU.) So I think it is not clear, what someone's situation is from leftover receipts.
I do absolutely agree with you on the littering thing, though. Jerks!! I also would not be surprised to see a correlation between those who litter, and those who have little regard for tidy finances.
You would find the exact same thing if you were to find an ATM receipt of mine…though I don't often withdraw cash, so good luck finding one!
My financial comfort level is essentially zero dollars. I've been broke and homeless, so a low balance in my bank account doesn't affect me like it would some. Not to mention, my expenses are almost nothing and being a student, I don't expect to have a large bankroll.
To me, there are worse things than a small bank account. Whenever I do get money, I use it to pay off my Student Loan balance so I'm not choking on debt later in life. I'd rather apply the money towards a debt than leave it in my bank account. I save for expected expenses such as car insurance but for the most part it is money in, money out.
Its an easy budget to have…zero balance. Your money is already spoken for and has a purpose. If you don't have it, you can't spend it.
I don't think any conclusions can really be drawn for these receipts. My pay check is direct deposited and immediately either A) spent to pay off the last 2 weeks of purchases on my credit care, or B) transferred into various savings accounts. My balance, 24 hours after getting paid, is just over $100 and stays there til I get paid again.
I Used to do like operate 3 accounts & I have kept 1 for ecs and the other for paying bills,the last one as my personal
I remember when I was 19 and I would have $40 left on my overdraft protection ($250) and my little bookstore paycheck would get me barely into positive territory.
I'm sure some people really do have $20 left. People say things like that to me sometimes, that they've got X amount till payday. Some people are always cutting it close.
I always have about $2k in my checking account. Anything below that and I put the brakes on spending anything. Reading the other comments, that seems higher than most, but it's a joint account and the $10 in interest each year that I'm not making is well worth it in piece of mind.
Conversely, when the balance creeps up, I always transfer it to a high-yield account. I guess that's my ther-money-stat.
You mentioned not knowing the backstory to the owners of these accounts — here is one:
I'm actually embarrassed to say that at 46 this is the first year that I have taken the effort to read personal finance blogs/books and have taken extreme steps to turn my finances around.
The fact is that I left my parent's blue-collar, lower-middle class home just before turning 18 and half-way through my senior year in high school. I lived a comfortable life but never learned money or practical skills. I used to joke that I never wanted to draw up a budget because I would have to face the fact that I didn't make enough money to live, which is the truth. I'm amazed that I was actually able to graduate that year and follow it with a year attending secretarial school.
Long story short, the years of working as a secretary to cover my basic existence continued until I woke up one day and was 40-years-old. It is sad that I was sleepwalking through life always reacting instead of acting. Working paycheck to paycheck becomes a way of life until a lightbulb goes off and you realize that you are an adult and don't have to be a victim of circumstance. I often think if this is my story, how hard it must be for those born into low-income households where I'm sure money management is a larger issue.
As with everything, education is key, but not all people know where to find the information they need. They may never know that this information exists and like the younger me laugh at the idea of a budget because it would only highlight the sad fact that they already know — they can barely survive on what they make.
You would probably be suprised by my ATM receipts. I refuse to pay to get my money out however my balance is very low. That is because my checking account pays next to no interest. So I keep most of my money in the savings account and move it to the checking account as necessary. I only need 3 days to move from my high interest account and no time at all to move from my lower interest account (the true "emergency fund"). I am also an accountant by trade so at any given time I know exactly how much money is in the accounts and what of that money is already spoken for.
Haven't read the previous posters, so please forgive me if what I say has already been said:) But, would like to point out that, my ATM receipt would be something similar. For-
1) I use debit card for day to day purchases, so I like to have only minimal amount in my 'checking account'. So as to limit spending
2) After payday, I have automatic transfers to my savings and money market accounts at ING and to the money market account of a local credit union
3) My checking a/c is a bank account which I posesses since Grad school days and only because its conveinient, i am still with that bank. My money never accumulates in the checking account coz it gets channeled to right sources and paying off bills.
ATM receipts are not indicative of how wealthy and how financially responsible an individual is;-)
I also would like to say that i never do ATM transactions. I always do cash backs from a Pharmacy/Supermarket, since there is no charge on it:)
I have a pretty low balance by the end of the month, but I do NOT litter. Or pay fees, unless I'm traveling–I have a fee-free ATM within walking distance of my house.
As long as my checks will clear, I don't worry about the balance in my checking account. My ther-money-stat setting is more about the combined balances in my checking, savings, and money market accounts. I can move money around between them instantly if I need to.
Once the emergency fund drops below $1000 I get a little concerned. It's good to be prepared for problems and knowing I have something extra lets me rest a little easy.
"Can someone who is willing to pay $3 to withdraw $20 from a $71.04 bank account turn into someone who would not rest until there's three to six months' worth of living expenses in an emergency fund?"
Probability = zero.
When you have no conception of the value of money; whey you pay 'whatever is asked' for something, you just don't get it.
Sadly, these people are poor, will always remain poor, and don't know how to make things better for themselves.
The "ther-money-stat" concept is right-on and probably related to an inner debt pain tolerance.
HOWEVER, I agree with much of what my fellow readers have said up to this point. You're making a lot of assumptions here about people's balances on their receipts (though you do rightly point out that this is a self-selected group).
On top of everything else, we should be looking at the average balance, too, not just what happened at one point in time. This data should be available somewhere and would make a much better lead-in for the concepts you discuss.
Glad to know I'm not the only guy that looks inquisitively at the discarded ATM receipts.
We don't keep much more than $1k in our local bank account, preferring to keep most at ING where we earn some interest. You're right though, having under $100 would make me take action.
I think your right about the theory of people having a comfort level that the try to maintain. I'm used to having very little in my checking accout — sometimes even less than a dollar, although $20 is more common — because I immediately distribute my cash to savings, bills, and investments. I almost never spend cash. Right now I have about $800 in there and it's bothering me that I haven't had time to distribute it.