text:
Which Retailer Is the Socially Responsible One?
PJ is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
When choosing between Costco (NASDAQ: COST) and Wal-Mart (NYSE: WMT) as potential investments, the choice is obvious. For me, the choice doesn't come from the P/E ratio or PEG ratio, but the social responsibility of each corporation. More specifically, I would like to focus on the way each of these companies treats their employees and how this will translate into value for the investor over time.
Wal-Mart notoriously pays its employees low wages with lousy benefits, while Costco treats its employees well with higher wages and opportunities for promotions and raises. In fact, a Wal-Mart employee starts out at around $10 an hour, while a Costco employee starts out at around $11. The difference becomes evident in the advancement opportunities, where a Wal-Mart employee makes about $12.50 after four years, while a Costco employee is bumped up to $19.50 after the same period of time.
While wages make up a big part of how an employee is treated, other factors must be taken into account. I was able to experience the working conditions at a Wal-Mart for about six weeks during the summer following my freshman year of college. I saw it all: employees faking injuries to get out of work, high employee turnover, and unhappy employees struggling to support themselves and their families. As a "part-time" employee, I routinely put in 35 hours per week. This is one of Wal-Mart's money saving tactics: employing multiple part-time employees rather than a full-time employee, to avoid having to pay out benefits required for full time employees. The low pay and poor treatment results in low productivity.
As a human being with a heart and a conscience, I would much rather sacrifice profits to give my employees what they deserve to live happily. But fortunately for Costco, they were able to both treat their employees with respect and turn a healthy profit in the process.
Below you can see the comparison between Costco and Wal-Mart:
As you can see Costco gets the most out of their employees, with higher revenue per employee and also higher profit per employee. After witnessing Costco's success, one would think that Wal-Mart would consider increasing its employees pay to achieve more efficiency and get more out of each employee. With a profit margin nearly 2% higher than Costco's, Wal-Mart has room to compensate employees a little bit more fairly, but instead chooses to pay rock bottom wages with little benefits. Perhaps a move towards Costco's attitude towards employee compensation would result in a more profitable long-term performance from Wal-Mart.
Over the past five years, Costco treating its employees well has translated into a higher return for its investors. If an investor purchased Wal-Mart in February 2008, he would have achieved a return of about 40%, while one who purchased Costco would have achieved a return of about 60%.
The proof is in the numbers: Costco is a better pick in the long-run. Not only has Costco returned more to its investors, but they have also managed to treat their employees with dignity and respect by treating them like human beings with lives and families, rather than merely pawns in a game of corporate profits chess.
Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


text:
Estate and letting agents in B34
Can't find agent? | Report an error
- List view
- Map view
1 - 1 of 1 results
Sort by:
Results per page:
Dixons Estate Agents
333 Chester Road Castle Bromwich, Birmingham, B36 0JG - We also cover B34 and B37
Residential for sale: 64
Avg. asking price: £133,184
Avg. sale listing age: 21 weeks

subset: commoncrawl


text:
Share your comments
The art of fielding [sound recording] : [a novel]
Harbach, Chad
Adult Fiction HARBACH
Harbach, Chad
Adult Fiction HARBACH
Summary: At Westish College, a small school on the shore of Lake Michigan, baseball star Henry Skrimshander seems destined for big-league stardom. But when a routine throw goes disastrously off course, the fates of five people are upended.
Question about returns, requests or other account details?
Add a Comment
|Submission Guidelines


text:
Lactate threshold pace, which should feel comfortably hard, is about 10 to 15 seconds per mile slower than 5K race pace (or about 10K race pace) for runners slower than about 40:00 for 10K (about 80 to 85 percent maximum heart rate). For highly trained and elite runners, the pace is about 25 to 30 seconds per mile slower than 5K race pace, about 15 to 20 seconds per mile slower than 10K race pace, often close to half marathon race pace (about 90 percent maximum heart rate).
Research has shown that sprint training improves neuromuscular capacity to produce force and power, which can improve running economy and delay muscle fatigue. A study published in European Journal of Applied Physiology in 2006 found that the average speed attained during a 5K time trial was significantly correlated to the average speed attained during a 150m sprint.
The researchers also found a strong relationship between muscle activity at the 3K point of a 5K time trial and the average speed attained during the 5K, suggesting that runners who can maintain their level of muscle recruitment in the middle stages of a race (i. e., runners whose muscles fatigue less) perform better than runners whose level of muscle recruitment decreases. Thus, even for a distance runner, it's important to be fast and be able to maintain a high level of muscle fiber recruitment and muscle force production.
Plyometric training, which includes hopping, bounding, and jumping exercises involving repeated rapid eccentric (lengthening) and concentric (shortening) muscle contractions, increases muscles' rate of force development. Plyometrics take advantage of the characteristic that muscles produce more force during the concentric contraction if the contraction is immediately preceded by an eccentric contraction.
Therefore, to get the most out of plyometric training, you must concentrically contract your muscles immediately after eccentrically contracting them by spending as little time on the ground as possible between hops, bounds and jumps.
To increase muscle power and fatigue resistance, try these sprint and plyometric workouts:
1) 4 to 6 x 150m at 400m race pace with 2 minutes rest between repeats
2) 6 x 100m at close to top speed with 3 to 4 minutes rest between repeats
3) 8 to 10 x 50m at close to top speed with 3 to 4 minutes rest between repeats
4) 2 sets of 10 reps each of bleacher hops, squat jumps and box jumps with full recovery between sets
Train your muscles to resist fatigue and you'll have the fastest muscles of all your competitors, fast enough to challenge those with higher VO2 max values.
JASON R. KARP, PH. D., is a speaker, writer and exercise physiologist who coaches recreational runners to Olympic hopefuls through RunCoachJason.com and is director and coach of REVO2LT Running Team.


text:
Wendy's franchise cuts hours to avoid Obamacare
The action is the latest in a series of challenges against next year's implementation of the Affordable Care Act.
The small-business backlash against Obamacare continues. A Wendy's fast-food franchise in Nebraska is cutting the hours of non-management employees so its owners won't be required to pay health benefits.
The local franchise vice president in Omaha tells WOWT-TV the cuts are coming in several weeks' time because he cannot afford to pay health insurance for all his employees.
Starting next year the U.S. Affordable Care Act, also known as Obamacare, will require employers with 50 or more full-time employees to offer full-time workers "minimum essential" healthcare coverage. The Act defines a full-time employee as someone who works at least 30 hours a week.
As a result, about 100 Wendy's workers in Omaha have been told their hours are being cut.
"It has a huge effect on me and pretty much everybody that I work with," T.J. Growbeck, who currently works 36 to 37 hours a week at the restaurant, told WOWT. "I'm hoping that I can get some sort of promotion because then I would get my hours, but everybody is shooting for that because of the hours being cut."
Wendy's spokesman Denny Lynch told the Huffington Post the decision was being made at the franchise level.
"Our franchisees are independent businesspeople, and they make the decisions regarding their restaurant teams," he said. "As small-business employers, our franchisees are facing rising food and operating costs and many new government regulations."
While Wendy's says the hours-cutting action by its Omaha franchise is not "a company decision," several major restaurant chains have been very vocal in their criticism of Obamacare.
A case in point: Papa John's (PZZA) CEO John Schnatter said the Affordable Care Act would cost his company up to $8 million a year, which would force him to increase product costs and cut workers' hours.
Other restaurant franchises, meanwhile, are also looking at options ahead of Obamacare. John Rigos, owner of a Five Guys franchise in New York City, told CBS News the new regulations will affect hiring policies at his restaurants.
"It'll probably have to reduce the staff to some degree," he said, "and again, focus on building [a] smaller stronger team rather than being as aggressive in opening up new stores and creating new jobs."
Rigos said while he "absolutely" supports Obamacare, he still finds it challenging.
"There's 25,000 restaurants within the New York City market we're competing against," he notes, "so it's not like we have surplus profits that we could just earmark a portion of them to go toward these types of initiatives."
More on Money Now
- Is a global sushi craze emptying the oceans?
- Can Eddie Lampert save Sears?
- Allstate tries to fix a public relations blunder
One thing, you schmucks, Onefungi, need to realize that if the independent owners didn't live in a lifestyle they cannot afford, then their employees could have health care. I own three businesses and I didn't have to have the government tell methat my employees needed healthcare. I've always had it by joing a co-op group where we get the coverage at a great rate as if we're a large company.
There are ways to be fair and decent to people without being a total **** because you wnat to live like a movie star.
Just keep listening to the rich, they will lead you to the desert oasis. Darn, they have to cut people's hours so they can make $10 million instead of $9 million. Now that is the new american way. If we took the top 1000 CEOs and cut their pay by $1million each we could pay for health care for every worker couldnt we. That would be an addional $1billion to pay for health care. Wow but you wacko righties keep fighting cause that $1million dollar cut to the 1000 top CEOs would mean they only would make say $19 million vs. $20 million a year. bunch of idiots. Keep on working for nothing and keep giving CEOs double digit raises for cutting your living standards. Yep in the last 20 years managers have gotten triple to quadrouple digit raises while your standard of living has diminished. right wing wacko thinking has gotten us to where we are NOT OBAMA. How many Bush's are needed to hide the truth? *just 2- George H and George W...........
People don't work and guess what....they get a free pass. People don't work and guess what....they pretty much get free health care. People don't work and guess what.... they get their groceries and utilities paid for. I work 70 hours a week and have to pay higher taxes because I want to make more money to support my family and give them things they deserve....guess what..... I get to pay for those who don't work. I have health insurance and hate going to the doctor because it still costs me a fortune. I'm glad that I can work to pay bills for lazy people who do not care to work. This country is ridiculous. I am proud to be an American, but I am not proud to be any part of our political system.
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
[BRIEFING.COM] The stock market finished the Tuesday session on the defensive after spending the entire day in a steady retreat. The S&P 500 (-0.6%) posted its third consecutive decline, while the small-cap Russell 2000 (-0.9%) slipped behind the broader market during afternoon action.
Equity indices were pressured from the start following some overnight developments that weighed on sentiment. The market tried to overcome the early weakness, but could not stage a sustained rebound, ... More
More Market News
Bill Stiritz owns more than 5% of the company, and has experienced an estimated $145 million in paper losses on his investment.
- Shared
- Commented
- Viewed
- Video: Easy DIY smoked meats at home
A charcuterie master shares his process for cold-smoking meat at home.
- Jetpacks about to go mainstream
- Weird things covered by home insurance
- Bing: 70 percent of adults report 'digital eye strain'


text: (DAYTONA BEACH, FLORIDA) - The LPGA announces the International Crown, a first-of-its-kind, biennial, global match play competition commencing in 2014 that will feature teams from eight countries battling for the right to be "Crowned" the world's best golf nation.Showcasing the strength of Golf's Global Tour, this even-year tournament will feature a four-day, match-play format with a total purse of $1.6 million - of which $100,000 will go to each member of the winning team. Each of the eight countries will be represented by four players."At the LPGA, we celebrate great players from all over the world on a weekly basis, but this is the first time we'll pit country versus country for global bragging rights," said LPGA Commissioner Michael Whan. "Only countries that have produced the best female teams can compete and only four players from any one country will be invited. The International Crown will take women's golf to the next level and allow fans to rally behind their homelands. In sports, there is simply nothing greater than wearing your nation's flag, fans singing your national anthem, and bringing the CROWN home."The inaugural tournament will debut July 21-27, 2014 at Caves Valley Golf Club in Owings Mills, Maryland, outside Baltimore. In 2016, the Crown will be played at Rich Harvest Farms in Sugar Grove, Illinois, host of The 2009 Solheim Cup. Qualification criteria for the International Crown are:· Eight teams based on cumulative Rolex Rankings of each country's top four players at the conclusion of the 2013 CME Group Titleholders· Four players from each country based on Rolex Rankings at date to be determined.Whan formally announced the International Crown today at the PGA Merchandise Show in Orlando, Fla. If teams for the Crown were selected according to the current Rolex Rankings, South Korea, the U.S., Japan, Sweden, Australia, Spain, Taiwan and England would battle for the inaugural title."Our Tour is so global and we need this type of event," said Stacy Lewis, the top-ranked American. "People always want to know why golfers from Asia are so good. Well, now we can see how all the countries stack up. The more we can showcase our Tour around the world, the better. Representing your country is the ultimate thing. Getting announced on the first tee when you are representing the USA, it doesn't get any better than that. It's a goal of mine to be in the event."The format of the International Crown will feature three days of Four Ball matches wherein countries will be seeded into two brackets with four countries in either bracket. Each country will play every other country in their bracket over the course of the first three rounds to determine which five countries will advance to Sunday singles play. Points will be reset to zero for Sunday's matches where each country will play a singles match against every other country. For more information on the format, please view the International Crown Fact Sheet <http://www.lpgainternationalcrown.com."It's like preparing for the Olympics," said Rolex Rankings No. 1 Yani Tseng, of Taiwan. "In Taiwan and in Asia, we don't have a team event like this. This is a good opportunity for us to play for our countries. It's really going to be awesome. Right now, we have three Taiwanese players that play fulltime on the LPGA Tour. Hopefully in the next two years, we can improve our junior program and get more Taiwanese players on the LPGA. This tournament will really help us with that goal."In a unique twist, prior to play on Saturday and Sunday, each team will turn in a sealed envelope with the name of one player who will represent their team if a playoff is necessary to break a tie the following day."Hosting The International Crown continues Caves Valley's tradition of providing a demanding test of golf and world class hospitality to the very best players from around the world," says Steve Fader, Chairman of Caves Valley Golf Club. "On behalf of our membership - from the U.S. and around the world - we are proud to welcome the world's greatest female players to Caves Valley and Baltimore.""We are honored to have the International Crown at Rich Harvest Farms in 2016," says Jerry Rich, Chairman and Owner of Rich Harvest Farms. "We look forward to welcoming the wonderful spectators and fans of women's golf including the youth in our community to witness this truly global tournament."The International Crown will feature a limited number of Ambassador Sponsors which will be announced in the coming months. This elite level of sponsorship associated with the International Crown will provide media exposure and premier hospitality as well as invitations to participate in the official pro-am of the event. The International Crown is one of several unique concepts launched by the LPGA in recent years, including the RR Donnelley LPGA Founders Cup and the CME Group Titleholders.About Caves ValleyDesigned by Tom Fazio, Caves Valley fully opened for play in 1991 and is ranked among the Top 100 Courses in the U.S. by GOLF Magazine. Situated outside Baltimore amid the natural beauty of Maryland's estate and hunt country, its 962 acres feature rolling hills, pastures, woods and wetlands. The club hosted the 2002 U.S. Senior Open Championship and 2009 NCAA Women's Golf Championship.About Rich Harvest FarmsConsistently ranked in Golf Digest's America's 100 Greatest Golf Courses (#58, 2011/2012), Rich Harvest Farms is an ultra-private, members-only club nestled in Sugar Grove, Illinois. Owned and co-built by Jerry Rich, the course consists of 18 perfectly manicured holes and is a 1,820-acre showcase of nature and agriculture. The Club has hosted the 2009 Solheim Cup and the 2007 NCAA Men's Division I Central Regional.About the LPGA (Ladies Professional Golf Association)The LPGA is the world's leading professional golf organization for women. Founded in 1950, the association celebrates a diverse and storied membership with more than 1,700 members representing 29 different countries. With a Vision to inspire, empower, educate and entertain by showcasing the very best of women's golf, LPGA Tour Professionals compete across the globe, while dedicated LPGA Teaching and Club Professionals (T&CP) directly impact the game through teaching, coaching and management. The Symetra Tour consistently produces a pipeline of talent ready for the world stage. The LPGA is headquartered in Daytona Beach, Florida.


text:
Opinion Soup: Gear, DIY, Tips, Controversies, Inspiration, Interviews, Business, etc
The time has come for a new edition of the Opinion Soup. It covers about the last two weeks of opinionated action. If you missed any previous versions, check the Opinion Soup archives - there are 65 previous editions waiting for you, including a very jam-packed early February edition.
Gear in General
+ which is more important? Lighting? Camera? Lens? at SLR Lounge
+ where does Pentax go from here? at Sound Image Plus
+ the death of the SLR at Canon Blogger
+ are today's lenses good enough for a 72mp DSLR? at diggLloyd (free to read)
+ 4K smartphones are coming (how dead are P&S digital cameras?) at SLR Lounge
+ on ...i-watch-o-graphy and more at Visual Science Lab
+ more on camera manufacturer financial results at Sans Mirror Journal
+ I love vintage cameras by John Neel at Pixique
Gear - Specific Products
+ is there room for a Nikon D400? at Photography Life
+ color and benefits of the 20mp Sony APS-C sensor at Photo Club Alpha
+ on the Sony NEX-7, RX1, IQ and dpreview review at Sound Image Plus
+ on the Sony Alpha A57, it's Sony's D-Rebel at Visual Science Lab
+ is the NEX-7 the perfect camera for stock photography? at Sound Image Plus
+ I like this lens because it's good and crappy at the same time at Visual Science Lab and more and more and more
+ using manual focus lenses on a Pentax DLSR by PentaxForums on YouTube (via Yvon B.)
+ setting up the Fuji X-E1 for street photography at Mike Kobal
DIY and Hacks
+ turn your old lens into a tilt-shift lens at F/Stoppers
+ kill the background with speedlights at Borrow Lenses blog
+ how to setup a remote camera, step by step video by Scott Kelby
+ how to make a perfect proposal in a photography studio at DIY Photography
+ take your food photography out of the kitchen at F/Chefs
+ building a 6x17 panoramic medium format camera at ThePhoblographer
Tips and Tutorials and Edu
+ understanding histograms at Photography Life
+ easily fine-tune your flash from camera at Le Strobist
+ general workflow tips at Ming Thein
+ introduction to lens adapters at Pop Photo (previously mentioned stand-alone)
+ 9-minute video on color perception by VSauce on YouTube (via DIYP)
+ will my old flash fry my new remotes? at Le Strobist
+ treat your zoom lenses as a series of primes via PetaPixel
+ on camera handling at Sound Image Plus
+ how to hold it at Cameradojo
+ image noise good for forensics at Four And Six (via PetaPixel)
+ overposing can ruin the moment PP Magazine
+ constructive critique episode #14 (video) at SLR Lounge
Creativity, Inspiration, Etc
+ Olivia Bee, 18 year old photography prodigy at Flickr blog, Photoxels et al
+ Americans by Robert Frank discussed on All Things Considered (audio + text) [via APE]
+ Jay Maisel 7-minute video documentary on YouTube (via APE)
+ the value of experience (you need to be creating 12-20 amazing images day-in and day-out) at Feinknopf.com (via APE)
+ on the War photography exhibit at the Houston Museum of Fine Arts at A Photo Editor
+ My photography records the arc of my existence and of those around me at Visual Science Lab
+ nine lessons I learned about street photography in 2012 at Erik Kim Photography
+ shooting personal work is a must at F/Stoppers
+ Kate Breakey at the Witliff Collections at A Photo Editor
+ in defense of ruin porn at PDN Pulse
+ what you eliminate is just as important as what you include at John Paul Caponigro
+ does originality exist in photography at DPhotographer UK
+ lessons learned as a storm chasing photographer at PetaPixel
+ Thomas Hawk at the Flickr blog
+ Mark Probst on photographing Burning Man at ThePhoblographer
+ Sebastien Calvet at Focus Numerique (in French)
+ Miller Mobley at F/Stoppers
+ Martin Stranka at ePhotozine
+ Christian Patterson at Vice.com (via APE)
+ David Bram of Fraction Magazine at F/Stoppers
+ Nikon Tavernise at F/Stoppers
+ Pentax at CP Plus 2013 at PentaxForums
+ Alan Jessop on the Jessops buyout at Amateur Photographer UK
+ imaging sensor conference interviews rounded up at Image Sensors World and more
Business and Professional
+ print rights: to sell or not to sell? at Black Star Rising
+ thoughts and advice for those considering a career in photography at Ming Thein
+ how creatives can win at the PR game with Ryan Holiday at Chase Jaarvis
+ pricing and negotiating: tv network work made for hire at A Photo Editor
+ ten myths about being a professional photographer at Blackstar Rising
+ dealing with guests-acting-as-photographers at Photo Lovecat (wedding photography)
+ how to start a photobooth at SLR Lounge
+ use tiny DSLR USB drives to get attention at Peta Pixel
+ three things that make your photo website successful (video) at Black Star Rising
+ six marketing ideas at Blackstar Rising
+ are you a sucker for technology upgrades? at Photo Love Cat
Imaging Software
+ How I Learned to Stop Worrying and Convert My NEFs with Lightroom 4 at Luminescent Photo
+ create an HDR image using simple Photoshop layering at SLR Lounge
+ the right click disable fallacy at Pixiq
+ should you want the Adobe Creative Cloud? at F/Stoppers
+ ten things to know when getting started with the Creative Cloud by Adobe's Terry L. White
+ how Photoshop World became seven conferences under one roof (video) by Scott Kelby
+ creating a vignette effect at ePhotozine
+ watermarking at ePhotozine
Mobile Photography and Photo Sharing and Social Media
+ you should be a social media ambivert (not an Rx drug) at Blackstar Rising
+ 15 reasons why your Instagram followers hate you at Photodoto
+ 32+ Tumblrs street photographers should follow at Erik Kim Photography
+ misrepresentation in picture of the year winning photo at Bag News and TOP and PetaPixel and Quesabesde
+ darkrooms are irrelevant and the truth matters by Photoshelter co-founder at Peta Pixel (via APE)
+ Disaster photography - when is documentary exploitation? at Art News (via DuckRabbit)
+ photographer sues fan site for $600K over 4 member uploaded photos via PetaPixel
+ the year is 2013 yet we still have same sex marriage picture controversies
+ F/Stoppers reviews SLR Lounge LR presets
+ Window Watching project at high-rise apartment complex in Hong Kong via Peta Pixel
+ are ethnic props ethical? at The Travel Photographer
Cliche Shaming
+ 33 tired and dated photographic cliches at Lighting Essentials
+ JJ Abrams on the Mystery Box via John Paul Caponigro - apparently none of the TED people singing his praises saw the ending of LOST ;-)


text:
Next, you'll be asked to connect with Twitter. Rest assured, we will never send a tweet from your account
without your permission.
We will send you an email with an invite soon.
Aereo: A FORBES Disruptor Adding A Nail In The Coffin Of Cable Television - Forbes
See what's Trending Now for @umanoid
Follow @umanoid on Twitter


text:
Each Friday, The Salt Lake Tribune presents images from its archives in a special series called A Look Back. Today's photos feature some of our favorite photos of Kennecott Utah Copper over the years.
Every gallery of the series is available at www.sltrib.com/topics/lookback.
|Join the Discussion
|Post a Comment
Copyright 2014 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


text:
SPANGLE, Wash. -- A barn burned to the ground earlier this week and killed three pigs is now being rebuilt by it's community.
A small army from the community is building a new pig shed so some hard working kids can show off their prized pigs who were going to be featured in the 4-H Show in April.
Kylee and Alicia were raising the pig and were heartbroken when they died.
Now with the generosity of the community the two girls will have a new place to train their animals. Citizens donated money, time, and new materials to build the new shed and pen.


text:
Tere Mandir Ka Hoon Deepak Jal Raha (Hindi) Hemanth
Lyrics & Chords
2012 02 16 First Cover – (Dad….) Tere Mandir Kaa Hoon Deepak Jal Raha :-) !
2012 06 20 Re-Cover – Friends, basing on the invaluable inputs from Paras ji earlier, and on Hema ji's more recent inputs, I have now re-attempted this melody and re-uploaded….
I have now shown distinction between the contiguous (Mein Main) pairs, and have now corrected some incorrect words too. Last but not least, I have learnt a lot on the mixing front lately, and I have put that to good use now as well.
Infinite thanks to Paras ji & Hema ji :-). Hope the newer listeners will enjoy this version much better, and will also check out Hema ji's recent spectacular cover of this same song. Many thanks & kind regards]
Here's a humble attempt at a 60-odd year old bhajan-style private song of legendary Pankaj Mullick da….
I am devoting this cover first to my beloved dad, Dr. Santhanam (Ph.D.). He was blessed during his stint in West Bengal to personally befriend Pankaj Mullick da as well as Hemant Kumar da. My dad was of profound influence to my rich music taste, and I look up to him in the skies above for his continued blessings….
I am also dedicating this to my/our good friend Madhukar Mehta bro, who had graciously located this track for me yesterday, and interestingly in my favorite "Meragana" portal itself :-)!
Madhukar bro, Immense thank you !!
Hope you all will like this humble attempt….
Many thanks and warm regards,
Chandrasekharan Nair(always with music) said
Hemanth, Great singing expecially of our great singer Pankaj Mullick da. His open lips style of singing you have catched beautifully, which is very difficult by presant singers.Great singing Hemanth. loved so much.
Much regards
Be always with a music mind to be a good person
Muzaffar Naqvi said
Thank you Hemanth for bringing out such a gem. Thank you Mehta Sahab for asking Hemanth to do this song. Kiya awaz nikali hai yar….dil khush kar diya. Aisee awazain ab kahan….ye kam Panckaj Ji aur C.H.Aatma ka thaa jinki awaz aaj bhi dil ko mashur kar deiti hai. Mera gana ke tracks quality main kamzor hain laikin performance wise true hain. Unke tracks per mix karna theek thaak mushkil kaam hai laikin Bhai salute to you….wonderful mix. Straight to Favorites.
>>mushy<<- said
lovely hemanth bhai what a lovely rendition …. Ch atma ji ki awaz yaad aa gayi … pankaj ji had the same base in his voice even K L sehgal sahab … what a strong base they had and low pitch per sur nahin behakte the …… aapne bahoot hi badhiya aur kuch naya sunaya hai …. is forum ka maza hi yahi hai bahoot kuch gane ko aur sunne ko milta hai …. thanks for sharing this song.
take care
Music has no country, no religion , Its Universal
Hamsapriya said
Beautifully covered
Not familiar with it but thoroughly enjoyed
Best Wishes
- * * * *
Real knowledge is to know the extent of one's ignorance.
>> @ Confucius
- * * * *
Hemanth bro, very nice song selection and thanks to Madhuji for suggesting you to sing this song…you have a nice attempt…enjoyed your rendition.
Thanks and Regards,
Pls check my latest upload
latest Song
Neil swanson.. Still not doing well but keeping the faith .surgery looking re october thanks for the prayers and well wishes ! said
HI Hemanth very beautiful rendition…
not familar with but loved ur singing
very pleasing to the ear gd bless NEIL
My Newest originals
Jivan Kohli (will be away for long--other commitment's..--busy on a learning mode---) said
Wah !! Wah !! Kuch Alag Koshish ki hai……Such An
Old Classic….Zaroor kayee Baar,Original ko Sunna Pada Hoga,…….Before Rendering it….
& A Lovely Dedication to Your Dad……I have Observed in this platform One Coincidence…that is,Many of Us have been Influenced,Mostly by their Father,that's infact a Great thing….We,All look upon Our Elder's for Blessing & Guidance & Who Better than Our Dad….
I Really Enjoyed your Sincere Style to Emulate this Old classic in Your Own way,& your Offering to your Dad……All the Best….
Dj Wazif said
Well I didn't know about this gem before I listened to you today…. seems quite beautiful and lower in sur department…. you did nice job here and looks like you had to practice it quite a bit before coming up with this final upload…. nice singing and like you I'm also influenced by my late dad and always love to sing for him…. he must be happy listening to this…. just keep it up bro.
Wish you Gr8 Luck!
Please listen to my original here: Dekho Mausam
DJ WaziF
Harshan Nambiar (away for a month india vacation) said
Hemanth….i know this song….so much of soul in this composition…very soulful rendition and a great tribute to your late father…I am sure he is smiling from above……loved it….beautiful not many can sing this!!!
"Music is the universal language of mankind."
― Henry Wadsworth Longfellow
Muzaffar Naqvi said
Revisted Hemanth….bar bar sunnay ka dil kar raha hai.
Sarada said
Such a wonderful choice. Very soulfully sung. Loved it, Hemanth. Thanks for reminding us this gem today !!
Srikumaran Menon said
Wonderful….Hemanth you have taken me back on a nostalgic journey to the past……excellent singing with great expressions and feel…….What a Pick!!!…….thanks for sharing……
My Uploads
Muhammed.nana. Muftah.el.khair. said
salam Hemanth Bhai jaan….very nice song selection never heard it…but you give your best nice feel and singing good expression…keep up and thank you for sharing goes to my favs…hug
Harish Bhasin said
Kai baat hai Hemanth bhai, Purane aise gem bhi kya khoobsurati se gaya hai. WAH! WAH! Bahot enjoy kiya!>>Fav….
Regards & best wishes,
It's not what you look at that matters, it's what you see.-Henry David Thoreau
Vidhya k said
Reached here by following Naqvi Sir. What a Gem, Hemant and what a voice you have. Simply enjoyed listening. Was a treat to the ears.
Madhukar Mehta said
Hemanth bhai………. Kya Baat Hai!! It is quite obvious that You are indeed in eternal love with this song!! Great dedication to your dad and an equally great tribute the classic genius Pankaj Mullick sahab. I consider my ability to fetch this track a great privilege in bringing such a soulful melody to our friends at Muziboo. You have done a fantastic job at this one…. This one goes directly to my favs!!! Keep them coming.
Chookar Mere Man Ko
Madhukar Mehta said
Hemanth bhai,
You are being too kind to me!! I am here just to have an outlet to sing and learn from like minded music lovers. It is my good fortune that I have met loving, caring and helpful friends and I am eternally grateful for all the love, support and knowledge they have blessed me with. I am always willing to help a friend because that's my inherent nature.
I am humbled by your kind dedication but I feel that I am not worthy of such respect.
You are a very good artist and a gem of a human being. Keep on singing, be happy and stay healthy.
Best Regards,
Chookar Mere Man Ko
Nirmala Kp said
hemanth,super singing .very good voice .liked a lot .
Thinkal govind kumar said
Nice choice of this great song well-rendered in your great voice with lots of feel which was a quite befitting dedication to your Dad !
LOVED this a lot !
Hats off !
GOD Bless !
Loving Best Wishes,
Thinkal Govind Kumar.
Hema Shamal said
Wah,what a song selection!One of my most favorites,great singing with great voice,enjoyed it so much!Great dedication to your Dad,indeed.
Giri∂hαrαη. u. r. said
An imposing rendition Hemanth…
Loved your full-blown, impeccably pure and resonant voice.
(Sorry to arrive late here as I was out of station)
Kind regards,
Vishak Subramoney said
a nice song. well done.
Adwait Ranade said
Wow, Hemanth Bro! What a pick and so very well sung….! Just enjoyed my relaxed listen in loops.
It requires wisdom to understand wisdom. Music is nothing if audience is deaf – Walter Lippmann
Rajeev Bhave said
Hemant Ji, what a beauiful dedication and equally well presented! It is always nice to hear such spiritual renderings on this forum. I enjoyed it immensly!
Rajeev Bhave
Latha Ganti said
So beautiful rendition Hemant Ji,enjoyed my listen
Dr sridhar saxena said
Hemanth ji I am not familiar with this bhajan but hats off to you for digging out this gem for us…(really creditable that someone who is non-native Hindi speaker, bringing out gems for Hindi natives)….congrats for lovely singing….to favs
Dr.Sridhar Saxena
Rajesh Pandya ( kuchh naya har bar ) said
Rare gem of Pankajji. I enjoyed and feel as I have seated in open space at the bank of river and heard it. Great experience with me. Thanks a lot for such a creation by you. Really you are a genius. Thanks once again.
Rajesh Pandya
Don't forget to visit for new uploads of friend's who are visiting your page for real inspiration.
Chandrakant Page (on & off) said
HEMANT ji….
I am very much familiar with this song. Nicely selected and wonderfully sung. Loved it.
"I sing like I feel". ….Chandrakant Page
Saroj Nair said
sorry Hemanth… i dont know how i missed this beautiful bhajan…
didnt get any notification i guess…
thanks to Hamsa for pointing to your page….
romba nalla bhaktiyoda paadiyirukkel… really enjoyed it…
Hema Shamal said
Hemanth ji,thanks a lot for re-attempting this wonderful Bhajan…You have sung it with showing lots of improvements and rendered so beautifully pouring your soul and full dedication,made this cover a very pleasant listen indeed.I appreciate your enthusiasm towards learning.I'm glad I could help you someway.
Muzaffar Naqvi said
Tumhara naya cover sunkar dil kar dil khush hogaya Hemanth. I heard this song so many times already but this time it was fluent and confident singing. Your mixing is also very good. It doesn't sound like meragana track now….Lol. When sung with heart & Soul dead tracks get alive too. I felt your love and dedication in this rendition so much that I wish to sing it for myself too. Thanks for re-share. Wonderful Hemanth.
Saroj Nair said
very devine singing Hemanth….
I liked your first rendition also…
but this is even much better…
sung with great feel….
uploaded over 2 years ago
Hindi - Misc covers...
18 songs | 0 comments
- 109 Plays. Last played on September 28, 2014
- 17 Favorites
- 21 Likes
- 55 Comments
- 33 Tere Mandir Ka Hoon Deepak ... MP3 Download


text:
CHICAGO — The U.S. Occupational Safety and Health Administration (OSHA) has scheduled an informal stakeholder meetings to solicit comments and suggestions for protecting workers from combustible dust hazards, according to Reliable Plant.
Two meetings are scheduled for Wednesday, April 21 at 9 a.m. and 1:30 p.m. at the Crowne Plaza Chicago O''Hare Hotel and Conference Center, the story stated.
Interested individuals must register and submit a notice of intent no later than Wednesday, April 7, the story noted.
According to the story, combustible dusts are solids ground into fine particles of metal, wood, paper, plastic, sugar, etc., that can cause a fire or explosion when suspended in air under certain conditions.
Following the meeting, OSHA will consider participants'' comments in developing a proposed standard for combustible dust, the story added.
To submit your interesting in participating, click here.
Click here to read the complete article.


text:
Ilyce Glink & Samuel Tamkin
Real Estate Matters
5:30 PM EDT, September 29, 2013
By Ilyce Glink and Samuel J. Tamkin
Q: I am a 49-year-old who plans to retire from my current job by age 55. My 401(k) is now worth $1.1 million, which is up 20 percent since January. It is invested in several different mutual funds. I also have another $975,000 in a combination of my company's stock and various other stocks.
My question is about the 401(k). I would like to know if it makes sense to turn all of it or half of it into cash, since the account is currently worth so much, and then buy it back when the market takes a hit?
It is so tempting to try to cash in at least part of it, since it took 25 years of investing to get the account to its current level. I am worried if I don't do something, the market will take a dive and it will go back down to the $700,000 range.
I'm also wondering if, when I do turn my 401(k) into cash, I should pay off my remaining home loan balance.
A: Congratulations on creating a serious level of financial security for yourself. You've got roughly $2 million in investable assets and hope to retire from your current company in about six years.
What you're asking is whether it's OK to try and time the market. In general, that never works. Some folks try it and get lucky (or not) and perhaps you'll be one of the few that gets it right. Sell now, when everything is at the high (or so you think), and then buy it back when the market takes a hit. Surely, you could sell some and see what happens.
But we think you're focusing on the wrong issue. What happens when you hit 55? Sure, you retire from your company, but the odds favor you living well into your late 80s, or another 30 or more years. You've got years to let your $1.1 million recover, should there be a problem in the stock market. If your money is in mutual funds, hopefully they're well diversified.
Here's a bigger problem: You've got nearly half of your financial assets in your company stock and what sounds like a handful of other companies. That's a far bigger risk.
While publicly traded companies can be solid investments, there's always a possibility of an Enron, where undercover shenanigans can kill a company and its stock overnight. Or, there's a Lehman, which traded near its all-time high within 30 days of essentially going out of business. Or, you have a great company like Microsoft or Intel, whose stock essentially stops moving, even though the companies are cash cows, because Wall Street no longer considers them to be growth industries.
Having a great deal of your financial wealth concentrated in just a few companies is dangerous. Most financial advisors will tell you that you should limit holdings in any one company (especially your employer) to 10 percent or less of your total investable assets (excluding your home equity).
The other part of the equation is what you plan to do at 55. Will you leave the working world forever, kick back and play golf? Are you planning on traveling the world? Or are you going to take another job or start a company?
On the home front, will your house be paid off? Will you sell it and move to someone less expensive? Will you stay and buy a vacation home in a warm-weather or recreational location?
Each of these goals will require some level of funding, and you may even require more cash if you retire early and then wind up having to pay for health insurance for 10 years until you qualify for Medicare at age 65.
You have a lot of money (which is great) and a lot of unanswered questions (at least in this email). We think you should find a great financial planner who can help you walk through various scenarios, help you explore what it will cost you to live the way you want after you retire, and then come up with an investment strategy that will get you where you want to go.
In the meantime, the smartest move you can make is to figure out how to reduce your living expenses when you're retired, as that will increase your cash flow and give you the most options. If you haven't refinanced your home recently, you should consider doing so. For someone with your financial strength, we'd recommend refinancing into a 10-year loan (currently available at less than 3 percent), and then focus on getting it paid off by the time you officially retire.
(Ilyce R. Glink is the author of many books on real estate and host of "Real Estate Minute" on her YouTube.com/expertrealestatetips channel. Samuel J. Tamkin is a Chicago-based real estate attorney. If you have questions, you can call her radio show toll-free (800-972-8255) any Sunday, from 11a-1p EST. Contact Ilyce through her Web site, http://www.thinkglink.com.)
Copyright © 2014, Tribune Media Services


text:
4 things you didn't know about Dunkin' Donuts
The top doughnut tester at the company says that making the product is not easy.
Rick Golden's team in Canton, Mass., creates as many as 1,200 doughnuts a day in the testing phase, trying to come up with the perfect concoction. A few recipes make it to Dunkin' shelves, but many more never make it out of the test kitchen.
Dunkin' Brands franchises nearly 100% of its 10,400 Dunkin' Donuts restaurants. It also owns some 7,000 Baskin-Robbins locations. Its share price has jumped 16% in the last year.
From the Saveur report, here are four things you didn't know about making doughnuts:
It's hard. It takes nine months to create a new doughnut, and some of them are in development for much longer. It took the team four years to come up with a chocolate yeast doughnut, a tough one to make because cocoa powder absorbs so much water.
There's a doughnut for every country. International stores will make custom doughnuts suited to local tastes. In China, Dunkin' Brands serves the "Pork Floss" doughnut, which is glazed and rolled in shredded dried pork.
Dunkin' hires a lot of testers. Golden has 20 people on his team, including food scientists and chefs who have been nominated for the prestigious James Beard Foundation awards. The team shares the kitchen with other creators experimenting with sandwiches, bagels and beverages.
Oil is the key. You have to use the highest quality oil to make a really excellent doughnut. "It's a big part of a donut's anatomy after all," Golden said.
- 10 of the worst product flops ever
My husband really loves Dunkin Donut coffee but doesn't like donuts. I love Dunkin Donuts but not really fond of coffee. Alas, if we could only get together on this, how much happier we would be! PS> We are seniors so have been around a long time. I can remember way back in time when glazed donuts first came out..... they were soooo good! I was sixteen and my girlfriends and I ate so many we were all sick the next day!
Jazzy Jo
I have been thinkin' about that tastin' job; Now for about 2 hours, but think I would have to move.?
I also believe they use to make the Donuts right on site...We would get them hot or warm from the kitchen sometimes...Also think you could watch through the glass or doors making them..
I know they had Bakers coming in early, overnight and working there...
That's been quite a long time ago..
They use to have a huge take out business, unless a local bakery was in the areas..
Want to know a couple of more "secrets" about Dunkin Donuts?
Ok, here goes...since DD does indeed have a great majority of stores that are "franchise-owned"...which basically means the private owners can pretty much do whatever they want under the corp. name of Dunkin Donuts and that includes poor customer service, rude clerks, rude managers (most of whom I encountered spoke with heavy Indian or Bahamian accents) and if the store location is open 24 hours? It is a HUGE haven for Homeless people, Homeless Drunks and Drug Users and Gang Members...one other thing too....the location in Fort Lauderdale, FL on Sunrise Blvd? It's open 24 hours and the amount of Cops and Sheriffs Deputies that hangout there at night? Is ridiculous...in a city that is so rife with crime? When you need a Police Office to respond to a call for help? Don't call 911, just run to that DD location in order to find a law enforcement officer.
Also, Dunkin Donuts donuts and coffee are MAJORLY overrated....I think that Crispie Creame has coffee and donuts that are a 1000% better in taste and quality compared to Dunkin Donuts, or you are much better off going to a local, "mom & pop"/family-owned neighborhood donut shop/bakery
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
[BRIEFING.COM] The stock market began the new week on a cautious note. The S&P 500 lost 0.3%, but managed to erase more than half of its opening decline. Thanks to the rebound, the benchmark index reclaimed its 50-day moving average (1976.78) after slipping below that level in the morning.
Equities slumped at the open amid a couple global developments that dampened the overall risk appetite. Continued student protests in Hong Kong and a potential response from China weighed on the ... More
More Market News
US markets were able to rally hard and largely trim the day's losses. Meanwhile, a bounce in crude oil could be in the offing.
- Shared
- Commented
- Viewed
- Video: Easy DIY smoked meats at home
A charcuterie master shares his process for cold-smoking meat at home.
- Jetpacks about to go mainstream
- Weird things covered by home insurance
- Bing: 70 percent of adults report 'digital eye strain'


text: The Baby-Friendly Hospital Initiative is a global effort sponsored by the World Health Organization and UNICEF. You can check it out at the Baby-Friendly USA website. With 20 years of research to support it, this initiative has become the gold standard in how to care for babies in the hospital. It's as easy as 10 Steps:


text:
Ask the Readers: Is Education Always a Good Investment?
Published on - November 30th, 2007 (Modified on - December 22nd, 2009) (by J.D. Roth)
Lisa is trying to decide what to do with her life. She's in her mid-thirties, has two young children, and for the past few years has spent most of her time parenting. Now that the kids are older, she'd like to go back to school. But she's worried it might not be a smart financial decision:
Common wisdom says that education is always a good investment. Is that always true? If I already have a college degree, is it truly a good idea to invest in another degree, taking into account lost income, the cost of tuition, childcare expenses, and any interest accrued in loans? Is there a base salary that you should expect to earn before additional education is a good investment?
Jethro wrote with a similar dilemma:
I'm a middle school teacher in Utah, and I don't make much: $27,859/year. I am getting my masters in my Educational Administration. If I stay in Utah, the lowest salary I will get if I am an Assistant Principal is about $45,000. If I move to someplace else — I am thinking Spokane, Washington — I could make $70,000, at least. My wife and I have about $34,000 in student loan/car debt between us. Here's the rub: I don't make enough to pay for schooling outright.
My question is: Should I go into more debt to ensure that I can get a better paying job? Or put off schooling to pay off debt by working two or three other jobs? If I put off schooling, my income will rise to about $29,000 from teaching in three years, which is probably how long it would take to pay off all that debt. Then I could start school again.
Lisa and Jethro both face the sort of tough financial decision for which there's no clear answer. I believe that additional education is usually a smart move, but clearly that can't always be the case. At some point, education becomes an expense not worth making. But where is that point?
When is debt acceptable? Should it be avoided at all costs? Or is debt for education worthwhile? How much debt for education is too much? Is there really any way to determine the "financially optimal" path? Are some types of education generally a better investment than others (e.g., trade schools)? More to the point, what are your personal experiences with educational debt? Do you wish you had never taken on the additional burden? Do you wish you'd done so earlier?
huge believer in education but not all education is created equal. Some people are more focused on money while others want to do a specific job no matter what the pay is because they enjoy the work…school teachers, social workers,
For the mid-30′s lady it depends on her local region's job market, where she wants to live, and what she wants to do. That will be the biggest factor in earnings potential at any level of education. I would tell her to explore her community and see if there is something that only requires a 2 year degree or certifications from a technical school to minimize cost and get in the work force soon if thats a priority for her. Back home a 1-2 year technical school program lands jobs that are for the most part equal or similar in pay to what a non-engineering bachelors degree gets you. It is laughable for me to see positions requiring a 4-year degree and several years of experience that pay less than my friend started out after a 16 month HVAC program. He has all the work he can think of doing and the company he works for pays for travel time in company vehicles so most of the summer he worked 3-4 days a week and has access to tons of overtime when he needs it. The majority of my friends went to technical or trade schools with only the minority having 4 year degrees from colleges. They are all doing well…not rich but firmly middle class and happy that they spent less than $10k for school rather than $50k and were able to enter the work force much sooner. My best friend is an accountant for Delloitte(#1 pick for new grads) and even with a 4 year degree in an expensive area he's only making a little more than everyone else who went to tech school. He has a ton more income potential down the road than them but had to wait 8 years(military to pay for school then over 5 years of school).
I do not believe teachers should automatically get their masters degree, especially if they are taking on more debt to do so. The best route is to get your national board certification. In my state, SC, a teacher will get an automatic pay raise of $10k with this certification and it lasts for 10 years. This is one year of hard work but by doing so you earn enough extra money to pay for most of your masters work or live comfortably on your new salary. My wife is a teacher and after looking at all the ways they can earn more money this is the best bang for the buck.
I think that education can be a good opportunity, but the full time student/advanced degree option is not the best fit for all. Attending part-time may take longer, but could be less of a financial burden. Does his school system reimburse him for classes that he takes after the semester?
My mom is working on an advanced degree and is taking 2 classes a semester. In January, they reimburse her for the Fall.
I wish both of them well.
I never went to college and I can't say I ever missed it. There is plenty of free education online and, unless you want to become a rocket scientist or brain surgeon, it's easy to get jobs that "require" a college education even if you don't have one. Just get involved in the community (computer science in my case) you want to be a part of and never stop learning about it. Ever.
I'm considering going into debt or raiding the EF in order to finish a masters. So in some ways I understand the OP's position. But I enjoy education and do not see it as just a means to an end.
Just from the perspective of money (not happiness, etc):
It's quite "easy" to determine the optimal path.
What will it cost you to go to school (including time that you're not working ("opportunity cost"), child care, tuition, extra health insurance, etc)? And how much extra will you earn per year? For how many years? Realize that an extra $1000 in salary in 10 years does NOT cancel out a $1000 expenditure today, keep as many variables equal as possible, and do the math. That's called the Net Present Value of your decision — the income minus the expenses, all in today's dollars.
First, compare apples to apples. Don't consider what you'd make in Washington unless you couldn't get a job with your current education in washington. (It's unfair to compare a principal in WA to a teacher in UT — you should compare to teacher in WA instead.)
Next, I'd say don't be concerned about debt. If the NPV is $100K, who cares if you have debt (as long as it's realistically payable)? Even if you have to take out $100K in debt, if you "only" pay $20K in interest, you're still ahead by $80K.
Next, consider other options. Measure the NPV of "stay the course" (no expenses, but less income) vs. NPV of school (see above) vs. NPV of, e.g., getting that cerficate at night school. Financially rationally, you should choose the highest NPV.
Well, that was the theory. What about practise? I remember seeing some graphs in university which compared the costs of school with the potential for income. The cut-off point was essentially after 4 years. Meaning that, on average, extra school doesn't necessarily pay for itself after your bachelors. True, there are lawyers and doctors, but this is the average. I even question getting an MBA for myself — I've seen some employers say that they might pay you an extra $5K per year.
Personally, I went into debt for school. I didn't /have/ to and spent far more than I needed to, but that's a different story. I was in a $80K/year dot-com job that, if i were even able to keep, would have probably maxed out at about $120K. Four years of school, not earning that salary, and paying for tuition later, I'm in a $120K job and I'm not sure what the cap is.
There are so very many factors and the answers will not be the same for everyone.
I am in the same place as the person in your first example. I am in my late 30s with a 5 year old and a 22 month old. I have been home with them since my oldest was born. I worked in advertising for 12 years before he was born and have determined that for a number of reasons that is not a field I want to go back to. However, now that my daughter is getting a little older I have been thinking about what it is that I do want to do. I have been giving serious consideration to going back to get my master's in library science.
If I do go back to school, I would probably have to go part time at first because paying childcare as well as grad school fees is not possible as I would have to take loans for grad school. So, it would probably take me close to 3 years to get my degree. Then, I would feel obligated to go back to work full time to justify the expense and disruption to my family of going to graduate school. But I am not convinced that me going back to work full time is the right path for my family. So, although grad school would give me some more options it would also take away a lot of options.
My solution right now is to get some certifications that will allow me to go back to a field that I had left before starting advertising. It will be less time consuming and expensive than grad school and give me some options while I try to decide if investing in grad school is or is not the right thing to do.
What will it cost you to go to school (including time that you're not working ("opportunity cost"), child care, tuition, extra health insurance, etc)? And how much extra will you earn per year? For how many years?
Unless you're training for a specific career (e.g. teaching) you can't assume extra earnings. Where I work there are three college graduates earning minimum wage.
Some people say that a college degree is worth more than a million dollars in increased earnings. He says college is a good investment.Where's FMF when you need him?
I know there are a lot of scholarship and grant programs out there that are geared to stay-at-home moms who want to get a degree (and presumably advanced degrees too) and get back into the workplace. I definitely think Lisa should look into that. try scholarship search engines like FastWeb and Peterson's.
In my case it was definitely worth it. When I graduated from grad school I had 30k in student debt. My first job was a "dues-paying" one and I only made $24,500 a year (THAT was awful). The next year I got a job with a salary that doubled that. My salary has gone up exponentially since then (10 years ago). I would be absolutely barred from holding the job that I have now if I did not have an MS in my field (it is required).
I paid off my 30k loan about 5 years ago.
I don't think it's worth it, and that isn't really to say a higher education is a waste — it's more a statement of how overpriced it has become.
I dropped out of University and landed a job, which I still have to this day, less than a week later. Had I finished my degree, I can never be certain of where I may have ended up, but I find it really unlikely that I'd have come out ahead of where I am now.
Hard work and determination have gotten me farther than a diploma ever could have. And best of all, it was free.
For those already in the corporate world — to hit the pause button to go back to school, and into debt — only to start over again at the bottom… well, I think it's a bad idea.
I think it's not a yes or no question – you have to look at all options. My husband just finished getting his masters, which should boost his income by 25% or more. To us, that was worth it.
Getting a second college degree? I think way too much stock is put in getting a college degree. Yes, some jobs require one. But there are a lot of good jobs you can get with just having one. I never used mine specifically, but I think it helped me get better jobs because I had it.
You also need to take into account what kind of pay you'll get with a degree in that field. If you're just switching from one 30K field to another, it ain't worth it. If you're going from a 30K field to a 75K field just with having a different degree, yes, by all means, consider it.
You need to really look at what the options are without getting the added education and do everything you can to work it that way, leaving additional education as a last resort.
I think one has to think long and hard about what they want to do before committing to school, or you end up like my fiancee. My fiancee, before I met him, went to graduate school for Government Administration. He went to a private university and it cost him about $50,000, most of which is debt we will pay for for the next 30 years. Now, this is a sound investment if he were interested in becoming a high or mid level government administrator, who would make 80-120k a year. But after working in that industry for a year it become really clear to him that he hated that world. His degree is still useful, but he's more interested in budgeting and analysis in non profit work, which makes 45-60k a year. My career field pays about the same, so we're stuck paying this HUGE debt for something we're not getting much use out of. My advice is to get career experience in that area before making the huge financial committment to graduate school.
For Jethro another thing he should consider is whether or not he wants to go the administrative route. Many teachers have no desire to be an administrator. My mother is a teacher in TX and although she would like a Masters Degree in teaching, the salary difference is only about $2-3k more per year. That is not enough to pay for the schooling unless she goes into administration, which is not what she wants to do.
As Ralph Waldo Emerson said, "Money often costs too much." In any personal finance decision, people most often go wrong when a decision is primarily based upon "the cost."
For example, here are some of the "wrong" questions to akd regarding the education decision:
How much will it cost me?
How much will my pay increase after receiving the degree/certification?
How long will it take?
Here are the "right" questions to ask:
Is there potential to learn more about something I am passionate about?
Will I actually enjoy the process of learning?
Am I doing this for me or someone else?
Does the education align with my "life goals?"
After answering the "right" questions, you will find that creating a financial solution becomes possible and, most importantly, the financial solution becomes a part of your plan…
When I think about this, the major issues are whether the field I want to move into requires a certain amount of education and licensing. Different states require different levels of formal education and certification for the same position to get your foot in the door.
Whether it would be a "good investment" for you depends on costs for the school you go to, what field you're going into, whether you're going into a field for love or money, and how you're going to pay for it.
Since we've married, DH and I have both been back to school — I test drove classes for a possible master's (decided against that direction for now), while he got his BBA and MBA. He's a stay at home dad, so did we waste our money? Nope — we paid cash for his degrees as we went along and don't regret it a bit — he'll always have those pieces of paper if he needs them. Now, if we were still paying off loans for those degrees, I'd be saying something else!
And in response to #16 . . . I would have completely agreed with you 7 years ago, before DH and I become completely interdependent financially with 2 small children. Now, I plan my education for practicality first, then love. Once the kids are gone, or after our first $2M (financially independent), I can go back to school for love.
Education is usually worth it, but definitely NOT always. I think it gets more dicey once you have a B.S. and are considering going into debt to further it. You really have to run the numbers, as earlier commenter detailed.
Also, take into consideration personal gain. If education is a "break-even" effort, or even a slight financial loss, there may be personal fufillment reasons to doing it anyway. The most important thing is to understand what you are doing.
I went into debt for my undergrad and it was most certainly a good investment. Now my company pays for me to get my MS while working, which costs me time and hard work, but not money. But I wouldn't get my MS if I had to pay for it myself, especially if I had to leave school for it. I'm in engineering, and in sciences it seems if you are a meant for full time grad school, you should be able to get stipends for full time study. This isn't true for all fields
This is my story. I started my Masters in Computer Science when I was 34 years old. I studied in a school that offered the lowest tuition possible. After a semester I obtained a grant that covers my tuition and gives me a stipend of 700 a month. During this time I lived very frugally and kept my focus that this is only for 2 years. Today I earn much more due to my educational background and I am much more confident. I think paper qualification helps, whether you like it or not.
Another option is the local community colleges that allow you to do a class at your pace. They are so affordable and I think this is another great way to get an education. You can also try to get a grant, the colleges are always happy to assist you in this…
I'm finishing up my doctorate right now and the advice that I've been giving folk about graduate school is this: __Do not go to graduate school until you find that you cannot have the life you want without it.__ People tend to snicker when they hear me say this because they think I'm jaded or cynical, but I happen to love the choice I made for myself.
1) Financial cost/benefit–see comments above
2) Learning can be done far outside of formal educational settings. Loving to learn is not equal to "MUST GET ANOTHER DEGREE"
3) Psychic cost/benefit–there are absolutely thrilling benefits to learning stuff. It's fun, fascinating, etc. However, as a totally competent adult, what will be the psychic cost to be treated like a kid again? I mean do you want homework, grades, lectures? This is not like work where your work is rewarded with pay. In fact, you are paying the institution to do this to you. This is not like work where you get periodic performance reviews. You will be in an environment of constant evaluation and accountability for material that is new to you.
I was a teacher and I had some burning questions and interests that couldn't be answered outside of a formal research environment and training to be a professor would allow me to teach (which I love) and do research (which I also love). I've been able to find money each year doing various things to pay for my education, so I'm not in debt. But this has been a grueling process both in terms of the work and what I attribute to being an adult but having to operate like a child–working for the approval of a teacher or advisor.
When you're weighing whether to return to school, consider this as well.
No. Not always.
I think it may make more sense for the mom to go back to school. Being out of the work force for a while can hinder reemployment, grad school would probably help her get back on track. I've heard of grad school programs especially designed for moms coming back into the workforce, might be worth a look.
I went back to school (full time 3 years) for a professional degree and my first year of post school employment I tripled my salary.
My husband went to grad school part time (weekends for 3 years) partially paid by his employer. My husband took on about $27,000 in debt and I can't say its been worth it yet (only a small return on investment thus far). But the degree, if he'd paid for the whole thing himself would have cost $50,000 so he got a 'bargain'.
As Dorothy Parker said, if you can't be a good example, be a horrible warning. Well, I feel like that horrible warning. Go back to school. In my 30s I had two chances to go to excellent masters programs and didn't because I didn't want to take on the debt. I ended up with debt anyway as an underearner, and now at 50, having just lost my job this fall, I still feel I have to go back to school — but it's a lot harder now. When you hit 40, you really begin to see that those with graduate degrees have more options. Since there is a clear career path evident from obtaining this degree, it seems like a very good idea to me.
Educational debt is a double edged sword. If it wasn't for the educations that we have, our income would be much lower than it is. Of course, thankfully our educations allowed for that, or we would never be able to pay back our educational debt.
Is the cost of an education worth it? Well the answer is relative to each one of us. First, I would suggest that the mid-30′s women clearly define their end goal and then work back from there. It may turn out that they do not need school to meet their set goal. If they do go to school, I would recommend nothing less than a degree in business admin unless they have a better option to make money. Let's face it she has kids and is going to need a solid 20 yrs of earning to keep pace with the costs she will incur.
not sure what your reasons for considering an ML(I)S, but don't believe all the hype about the librarian "shortage". There are many wonderful things about being a librarian but it can be a difficult field to break into without prior library experience and the cost of the degree can be high in the face of a $40K a year (or less)salary. One way some folks make it worth it financially is to find a non-librarian job in a library that will pay for at least part of the cost of your masters program. If you're not there already, the nexgenlib group can be a great source of info: http://groups.google.com/group/NEXGENLIB
Though I thought it would be at the time, looking back I'm pretty sure my MLIS (out of state tuition, fully funded by loans) wasn't a good financial move. The freedom and intellectual stimulation I get from my job is probably worth it though.
I think that education is worth what your drive/goals are. It really depends on what you see yourself doing in the next 20-30 years. Education never goes away, and every year you get older it gets harder to accomplish.
I personally think my educational debt was well worth it. It cost me about $50,000 in loans to complete undergrad and grad school (I really worked it and got 2 Master's degrees in 2 years full time) and my salary went from $17,000 post BA to close to 6 figures 7 years out of grad school. That being said, I also got several promotions and really focused myself. Many others with my degree are making significantly less, but still far more than they would in this field (social Work) without a master's degree.
My husband went $70,000 into debt for an MBA, part time, and he is not even finished yet and was able to parlay the degree into a new field making well into the 6 figures.
So for us it payed off–but it is all what you make of it. Would it have made as much sense for him to pay $70,000 to go to a third tier MBA school instead of a top 5? Who knows.
The reality, however, is that earning potential continues as your career continues, and more often than not, that degree will pay off whether now or down the road.
This is a situation where the non-financial questions are very important, if not more important, than the simple financial ones.
– Do you like the job you have?
– Will the education help you do better in your current job/field, or will it help you move into a different field?
– How sure are you that the different field is a good fit for you?
– How sure are you that you can manage the changes that come with going to school?
In Jethro's case, yes, he could earn more as an administrator in another city. Is that what he wants? If so, that may be a very good choice – but if he'd rather be teaching, or if moving requires leaving family that he really doesn't want to leave, then he might end up with an expensive education that leaves him overqualified for the job he really wants.
My BS in Computer Science got me from doing day care and clerical work to a salary job at Microsoft. So I'm not going to knock education. But if going back to school is going to leave you not knowing your kids or if the lack of sleep from school + work is going to cause major depression – find another way!
Expensive education is only worth it if you reasonable can expect comparable payoff upon graduation.
In my field, law school is not as worth as much as it used to. Unless you are at the top of your class at a top tier school, lawyers average around $40,000 upon graduation but average around $75,000 in student loan debt. Clearly not always worth it.
Jethro, I too am a middle school teacher, as is my husband. We work in Los Angeles, though, where the starting salary is over $45,000. Without even getting a Master's, you can easily make over $50K after a few years. Sure, the cost fo living is higher, but you'd probably still come out ahead simply by moving to a better-paying area.
One more thing to add: It really is not just additional education that gets you a great job, but really the choice of subject being studied, the demand in the job market and your personality in handling the job. I frequenty study people who have high paying jobs and find that they all have strong personalities and special strides that makes them who they are and what they are. You may have great education, but without proper dedication and determination, I don't think it matters. You need to sit down and chart out your life on a paper and see what is the market demand for your profession, be realitic, look at your limitations and then decide whether an education will justify your progress.
I took on $30,000 in student loan debt to get my MBA, which resulted in a new job making $32,000 more than my previous one. I would say that debt was an excellent investment – but I work in an industry known for high-paying jobs.
In the teaching profession, social services, and the non-profit sector, extra education does not necessarily mean tons more money. Depends where you live and what your life goals are.
I went to graduate school a few years out of college–partly because with the TA-ship and other grants I was offered I was making as much (and got better health care benefits) than working at an entry-level job. In fact, one of my undergrad advisors told me not to go to any program that didn't want to invest in me (this doesn't work for professional training, but other kinds of MA/PhD programs usually try to offer support to every one they accept).
If one is willing to live the graduate student life, the debt load doesn't have to be so great, I think it it's when you try to maintain a "real" lifestyle (especially with kids) that higher education becomes a major debt producer. Even undergraduates seem to expect that they should have every electronic toy and lots of entertainment funds and so some of the debt they get into isn't from tuition/fees/schooling per se but from a lifestyle choice at the same time.
That said, I think that you might have to accept that more education doesn't equal more money down the line. BUT if you enjoy the process, then you have to weigh that against an equal number of years of 8-5 in a position you don't like that might pay more.
This is a personal decision that varies with the individual. If you are set on pursuing a higer education I would explore online programs which are relatively cheaper than any other brick-and-mortar institution. Not only will this save you money but also time. Online classes will allocate time to spend with your family since you don't even have to leave your home to attend these classes. A lot of people do not even consider this option and belittle it. I would not jump on that bandwagon so quick. One of my professors is currently getting her PhD from an online institution and spoke highly of it. Albeit, taking online classes requires discipline and committment, if you are at this stage in your life, I think you meet the criteria.
Before B.S. $16K
After B.S. $24K
After Masters $42K
Now (7 years later) $70K
Monthly school loan payment was $210 on loan of $26K. It's now paid off but that's due to an inheritance; I'd still be paying and happy to be paying the loan off (I had it down to $16K). I found it to be totally worth it.
And I work no where near the field I studied.
I will refer you all to a recently published paper (that I just reviewed on my blog the other day) entitled : By a Thread The New Experience of America's Middle Class(you can read it here: http://www.demos.org/pub1514.cfm)that states:
"As the difference in earnings between high school and college graduates hits record levels, a college degree is becoming a minimum requirement for the middle class. Over the course of a lifetime, a graduate of a 2-year college earns about $275,000 more than someone with only a high school diploma. Someone with a degree from a 4-year college earns nearly double. A 4- year degree translates to around a $1,000,000 more in lifetime earnings.
Greater earning potential means greater likelihood one will be able to own, save and invest—in short, to pursue middle-class security. The correlation between education level, income and ownership will undoubtedly continue in the future. In the past, a worker with a high school diploma, solid work experience, and stable employment could support a family and attain middleclass
security. Because of changes in the labor market, this is rarely the case today.
It is difficult to imagine that workers holding only high school diplomas will be able to support families and achieve security within 20 years. For this reason, our optimal education threshold
was set at requiring the head of the household or spouse to have a bachelor's degree. Financial security was considered at risk if neither the head of the household nor spouse had education beyond a high school diploma."
Going forward in the world's economy it is going to benefit *most* people to have some sort of a degree.
It depends on what you're studying. I'm still young enough that people are constantly encouraging me to get back in school, and telling me I "need" a college degree. I wanted to be a baker, but rather than getting into a LOT of debt getting a 2 or 4 year degree in baking at a private school (http://www.jwu.edu/sfs/tuition.htm 20,000 a semester, 3 semesters a year) I paid about $1,000 to get my 1 semester baking certificate at the local community college.
Flash forward a few years- I've got a job I like, I'm above and making more than someone who went to a "real" culinary school and I'm not in horrible debt. I'm 21 and I haven't had to rely on my parents for money since I moved out at 19. I'm building up my emergency fund and after Christmas I should have enough to start an IRA.
I'll eventually go back to school, because I would enjoy it, but not until I can do it without going into debt. For my career it doesn't make financial sense. The idea that one should get into debt to go to school 100% of the time is insane but people still expect me to do it.
I found your blog some months ago and am absolutely loving the content! I may have something to contribute in answer to this post, although only to Lisa – i'm unfamiliar with Jethro's situation:
I would raise two points for Lisa. One is to take the chance to tailor the courses and qualifications she studies towards a specific career choice. My first degree contributed *nothing* towards me getting my current professional position, my boss tells me. Generic qualifications can be helpful, but tailored courses that work towards a specific job are sometimes essential, and could make Lisa's chance of paying back her study loans a lot more certain.
The second point is to second the idea of part-time study that Laura raised. I'm studying my second degree (just for fun this time) this way, and i love paying as i study. I am not gathering more debt, i am enjoying the subject immensely, and i am simultaneously paying off my debt from my first degree! If Lisa is okay with the idea of the study taking around twice as long, part-time may be a workable compromise.
Keep up the fantastic content, i've got some great ideas and motivation from this blog, and i'm really enjoying hearing about your own personal struggles and successes.
I know two people with this dilemma. One did her bachelor's late in life and had a couple job offers before graduating BUT applied for grad school because they offered 100% full assistantships (like scholarships except you have to do graduate asst. work while getting your degree). The irony is she will probably get paid similar to what she would've had she not gone back to school, but this way she will be able to get her master's without paying any tuition.
Someone else I know did 1 year of graduate school but left to take a job offer. It's been a few years and he might now slowly go back to school part time to get his master's because now his workplace will pay for his tuition as long as he keeps working for them.
Because the Utah reader works full time, he will not really have time to do graduate work/TA's to help pay for his tuition. And it doesn't sound like he has an employer who will pay for his degree. If he decides to go back and take out student loans, see if because he is a teacher he could get his rates/amount reduced by teaching in certain areas or in more rural areas etc . . . there is a program that does that.
I definitely don't want to go through college right now, but education is such a must these days. People have brought up the standards including Asians (I'm Chinese too) and it just sucks for some of us.
My other solution (it might be a crazy one) but see if you can get a job on campus (I mean an office position, asst. to professor, researcher etc, PR work, computer/tech work . . . ) Someone I know got a $12/hour job doing PR work on campus but ended up later applying to grad school there and because of her job, got an 80% tuition reduction BUT she had to work full-time (at least 30 hours a week) to maintain that discount. I also know someone who was assistant to one of the deans and she got the same tuition discount for her masters. Also, if not you, what about your spouse getting a job there? Then you'd qualify as well. Most universities give staff/employees huge tuition discounts for themselves and their families (including their children) if they decide to attend the school.
I guess that it depends on the field in which you are interested in… you could always do a net present value calculation.
I would check with your school department to see if it offers any sort of tuition reimbursement or assistance plans. My former high school gets vouchers to take classes at Northeastern University for free. They're released to teachers first, and then students and residents can take advantage (they always have extras). I took a class on Personal Finance over the summer, and now everything I've been reading here and in other similar blogs makes much more sense!
A great topic, one I have been thinking about ever since I hit my 5 year reunion time from undergrad!
Recently I enrolled in community college. It was a long road to this decision but finally I decided on a goal that offered no other path than more education.
Originally, I desperately wanted to be a social worker and felt I had to have the MSW to get there. You can't get that at a community college, and I still am paying off my B.S…. so I did not relish the idea of going another $40,000 into debt to finance a career that would involve making that… or less.
At some point I came back to what I wanted to do – help people – and realized I had been ruling out nursing for no particular good reason. It has the opposite cost benefit analysis – I can get an Associate's for less than half as much, become an RN, and demand a solid middle-class salary if I apply myself.
When I showed up to transfer my credits the academic adviser asked me why I wasn't going to a 4-year school. I asked him if he'd noticed how much they cost nowadays?
I'm basically trying to transition sideways, salary-wise; I will come out in about the same place. But I hope I will have ten times more fulfillment as a result.
An interesting point I'd love to see real analysis of is a path for transitioning from being a full time salaried employee to being a full time student when your days as a dependent are long gone.
I am considering going back to school at age forty. Looking at my situation purely financially, there is no question that going to school would be a foolish decision. My income in my new field would be about the same as it is now. Depending on which school might accept me, the degree could cost over $100K in tuition alone, and the lost wages are huge.
However, I could pay for it entirely out of savings without touching retirement accounts. I would have much more flexibility in terms of where to live than I have in my current field, so I could move to an area with a much lower cost of living. And as The Financial Philosopher says, I would have the chance to do something I love: in my case, veterinary medicine.
The financial decision is frightening. I don't want to wipe out that much of my savings. I worked hard for that! But on the other hand, I've been burned out in my current career for well over a decade. The full cost/benefit analysis has to cover more than the accounting books alone, and this might turn out to be the best thing I ever did.
I'm still thinking hard about it. I know it is not a good investment in terms of future income. It is important to face that honestly. Then it is important to decide whether it is a good investment in terms of future happiness.
I have a Master's, but haven't worked in my field (chemistry) for 20 years. I'm a web programmer instead. But the degree still matters — I wouldn't be the supervisor without it. And that translates to an extra 30K/year.
I curse writing my student loan check every month, but the opportunities my PhD has brought make it worth every penny.
We figured how much I'd make given the career path I was on compared to how much I'd make after school (minus how much I'd lose while in school). The math made it clear that if I could find a job post-graduation, it would be worth it.
Don't forget to consider all the other costs of going to school full-time, like books and photocopies, coffee and convenience foods, and possibly, therapy!
Whatever you do, dont't go to law school (unless it's NYU or Ivy League). My friend was a financial analyst making $40K when she decided to go to a private law school at the age of 25. Just before graduating, she asked her job placement advisor what the average salary for starting attorneys might be. The answer was 35K/year. Sure, law schools websites tell you that starting salaries are over 90K. What they don't tell you is that those are the salaries of a few of their seasoned graduates who filled out their schools' surveys. The ones who didn't fill out those surveys work for $15-20 per hour reviewing legal docs (see a recent article published in The Wall Street Journal). As far as my friend … she passed her bar exam on the 1st try, she's diligently repaying her 60K student loan, and often laments how low her salary is.
Now, those with MBA degrees … how many of you can calculate such basics as cap rate or a discount interest rate?
Keep in mind that your compensation does not always coincide with your job satisfaction.
I am a 46 year old female physician (pathologist), extremely highly financially compensated, who is completely unhappy and disgusted with my chosen profession. I spent 7 years in college, 4 in medical school, and 5 in residency, finishing with approx. $120,000 in student loan debt. I just paid off the last of the debt last year at the age of 45. I am so disgusted with the current state of pathology in general, and of the practice of medicine that I am about to embark on a new educational goal-I plan to apply to law school. I will be taking the LSAT in February and applying to a local private university to attend law school part time while I continue to work as a pathologist full time. I know that this sounds absolutely crazy, so I have not shared this with any family, friends or colleagues. Only my husband and children know!!
I will be taking on enormous student loan debt all over again (or else depleting some our current assets) to pay the private school tuitition. If I eventually leave the practice of medicine for the practice of law, I will most likely be taking a pay cut.
From my perspective, you simply cannot put a price on pursuing your life goals, especially when a great education can help get you there.
I think teachers are not paid enough and that the extra education to earn those few bucks for such a tough job, I think it's a must, he will pay of the deb very soon once he hits it. The last post is just so right, you can't put a price on education, it's just too misguided to finance and math themes, there is no sane reason to go into social jobs from a debt perspective.


text:
His estranged son has been arrested because he apparently committed a murder and he is preparing to fly to Moscow for his son. His daughter gives him an Idiot's Travel Guide to Russia to guide him during his journey.
Iron Man 3
Iron Man 3, as the name suggests is the sequel to the previous two Iron Man movies which won millions of fans around the globe. The third version of the movie is also released with much hype. Let us see if it satisfies the expectations of the fans.
The Hobbit: An Unexpected Journey
Wrath of the Titans and Mirror and Snow White & The Huntsman, all of them proved to be dull and grim. Thankfully, this is not the end for the dwarf fans.
G.I. Joe: Retaliation
Not many people even wanted a sequel to G.I. Joe: The Rise of the Cobra but here it is. Want it or not, you won't be able to ignore it because of the numerous posters everywhere portraying The Rock.
Bond is back after a long hiatus and you'd think the move to reintroduce him is daring especially because his best days are seemingly over. However, this movie is audacious and deconstructs him and his iconography in a very surprising manner.
Life of Pi – review
Ang Lee, the famous filmmaker form Taiwan is among the most versatile of all times. One moment he will come up with a martial arts movie and next moment, he will make a movie about a spy. One moment you see him make a movie, which describes a gay relationship and the next, you will see that he has made a movie about the US civil war.
Review on Dredd
Judge Dredd's 1995 adaptation did not at all get it correct, nor was it even close. The scum-riddled, rusted streets of the Mega City One – a largely dying metropolis and addled with so many violent crimes – were too stagey and too clean. The plot was too cloudy or complicated.
To Rome with Love
Allen's latest, a situational comedy, consists of four vignettes that are all set in the beautiful city of Rome. The cast includes famous Hollywood stars like Alec Baldwin, Jesse Eisenberg, Penelope Cruz, Ellen Page, Judy Davis and Roberto Benigni.
Directed by Ridley Scott, Prometheus is an outstanding science fictional movie which is based on a group of space travelers who navigate to an unidentified planet to find out the very basic foundation of human life only later to comprehend that the future of mankind is in grave danger.
Abraham Lincoln: Vampire Hunter
It has found that 150 years after have passed and American president Abraham Lincoln has been given his due award from Hollywood after his death. Three big movies in the year 2012 featuring the 16th president will be releasing. The Steven Spielberg's movie, where Abraham Lincoln plays as undead-destroyer in the film.


text:
Name : Too Much TNT Mod for Minecraft 1.4.7
Category : Minecraft Mods
Genres : Weapons
Developer : MinecraftTNTstuff
Compatible : Minecraft 1.4.6
Last Updated : January 12, 2013
An amazing mod for all of those pyromaniacs out there. This adds 15 new types of TNT with different effect and a new ore called "sulphur" for crafting those TNT's. The mod is very useful, as it can help it creating new things and it can ensure you hours of fun, behold the Too Much TNT Mod for Minecraft 1.4.7
Too Much TNT Mod for Minecraft 1.4.7 Main Features
The mod contains "Sulphur", the new ore and 15 types of TNT's which you can craft and enjoy using. The full list of the TNT's is mentioned below :
-TNT x5 – an advanced type of TNT from the original one, the explosion is five times bigger
-TNT x20 – a much larger version of the previous TNT, explosion is huge compared to it.
-TNT x100 – basically a mini nuclear bomb, the devastation is big, it is a building block for the enhanced version.
-TNT x500 – Just imagine how huge this explosion is, it is 500 times larger than the original TNT
-Meteor TNT – You can proudly call this the M.O.A.B, it has a very long fuse so you have time to run away, it will generate lag when it blows up. The explosion i comparable to a meteorite hitting the earth. Bundle this up together and you will get the equivalent of the "Tsar bomb"
-(Useful Bombs)
-FlatTNT – this TNT will flatten the land for quick land shaft designs.
-MiningFlat TNT – The TNT is used to easily find rare gems, its X,Z blast radius is huge while the Y axis remains small. It Generates torches for easy excavation.
-House TNT – guess what this does spawns a house.
-AbsorbantTNT – ever needed to quickly drain a water mass? use this bomb, it's Sponge Bob reincarnated.
-OceanTNT – Build a lake or an oasis in a single click.
-Loads of sand – generates loads of sand for constructional purposes
Recipe Guides
Too Much TNT Mod for Minecraft 1.4.7 Change log
-Latest Update – Fixed numerous bigs with the TNT's
Install Too Much TNT Mod for Minecraft 1.4.7
1.Download and Install ModLoader
2.Download the Mod
3.Locate your minecraft. folder, located in ApplicationSupport/Roaming/minecraft.
4.open the minecraft. folder and open the mods folder
5.Drag the Mod .zip file into that directory and close everything.
6.Lets play!


text:
1978 Dodge Warlock 440 cu. in , 1 of only 74 produced of this rare truck with factory 440 cu in. This exact truck had a Johnny... More
DODGE: 1978 1/2-ton short bed pickup, 360 motor, AFB carburetor, Edelbrock air gap intake manifold, headers, runs very well; call for more information. 909-627-3159,... More
Stk. 1848 1978 Dodge Li'l Red Express Pickup The year was 1978 and emission controls were getting the best of everything that Detroit was putting... More
1978 Dodge L'il Red Express pickup,nicely refurbished to original specs,with recent paint,upholstery,decal kit,dual exhausts,and refinished wood trim.It has the correct 360 engine,with the factory... More
S#7131978 Dodge "Lil Red Truck" this truck has black interior, dual side mount exhaust. The truck is powered by a 360 V8 with a... More
DODGE: 1978 Magnum, 360, excellent condition, 30,000 original miles, carmel tan, leather interior, true survivor, $6,900. 269-251-6080, MI.... More


text:
Front Slit Denim Skirt
Item# AS-025240_AS6769X
$39.50 $23.70 $17.77
Be bold and daring and show some leg! Plus size skirt features a button front zip fly closure that leads to a slightly distressed design at top, patch pockets at back, and is finished with a front slit detail.
- Machine wash cold
- Imported
- 38 inches from waist
- 80% cotton, 17% polyester, 3% spandex
Please Select a Size and Color
- Size
Special Offer
Take an Extra 25% Off! Details
Take an extra 25% off clearance items. Not to be combined with other offers.