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Blog Archives
Why will anyone read a blog? Here are 15 good reasons
One of the main reason why any blogger publishes his / her posts is to be read. With the explosive growth of blogs, and the mind boggling volumes of content available online I many times wonder why will anyone read a blog – Be it my blog / your blog?
Here are 15 good reasons:
(1) I know you and hence would like to read what you have to say
(2) Because of who you are. You are famous / on the way to the top, and I want to know more about you and be part of your journey in some way
(3) I've read you before, and I've liked what you had to day
(4) The blog title you chose was awesome! I just had to read it
(5) Someone shared the link with me, and I stopped by to see what this is all about
(6) I'm interested in the topics / subjects you write about, and hence stop by to learn / read more
(7) I had time on hand, and your link showed up. I clicked, randomly
(8) I admire you and want to be like you some-day. If not one-o-one time with you, following your blog is the next best thing for me
(9) I feel like you are speaking to me – so relevant, and contextual. There is some connection here!
(10) I can't explain, but your words touch deep within
(11) Google / XYZ Search engine recommended you :)
(12) I get answers to my questions
(13) I exercise those gray cells up within when I read your posts
(14) I just feel good reading them. Your words are poetry to my soul..
(15) Just like that!
Why do you read a blog? Why do you read my blogs? Leave a comment to let me know
Posted in Blogging, Branding, Business, Communication, Consulting, Innovation, Leadership, Organization Strategy, Social Media
Blogs come into your life for a reason, a season or a lifetime
When I entered the blog-o-sphere years ago, I had no idea where that would take me. Suffice to say, I just took the plunge – There were no real expectations, no real agenda, no real goals. Just some time at hand, an open mind, curiosity, an interest in reading, a laptop, an internet connection and The English language :)
I started reading blogs for a reason. Somehow somewhere I continued reading blogs through the seasons. And today, reading blogs is an integral part of my life, and I guess it will continue for my lifetime (If I have it my way!). Reading a blog enables me to learn, travel, get answers, ask questions, grow, watch others evolve / bloom / blossom, see the world with a new lens, make me feel that I'm not alone, give me clarity of perspective and most importantly, experience life through others experiences
After about 2 years of reading others blogs, I started writing my own blogs. Again, for a reason. Somehow somewhere they extended to a season. And then many seasons. Today, my blogs area an integral part of my life, and I guess it will continue for my lifetime (If I have it my way!). Writing a blog enables me to learn, express myself, get answers, ask questions, emote, connect, grow, share, see the world with a new lens, gain diverse perspectives, truly comprehend things and possibly leave a social media legacy
And I strongly believe that Blogs comes into your life for a reason, season or a lifetime..
When you figure out which one it is, you will know what to do for each blog.
When a blog comes into your life for a REASON . . . It is usually to meet a need you have expressed. A blog can assist you through a difficulty, provide you with guidance and support, aid you emotionally, socially, intellectually, financially or spiritually. They may seem like a godsend, and they are! They are there for the reason you need them to be.Then, without any wrong doing on your part, or at an inconvenient time, you lose interest in the blogs. Sometimes it is forever, sometimes it is a hiatus. What we must realize is that our need has been met, our desire fulfilled, and the work is done. And now it is time to move on.
When a blog comes into your life for a SEASON . . . Because your turn has come to share, grow, or learn.A blog brings you a purpose, phenomenal clarity of thought, an experience of peace, platonic connection(s), sometimes financial benefits too or make you laugh. They may teach you something you have never done or even thought of. They usually give you an unbelievable amount of joy. Believe it! It is real! But, only for a season. And then the bond is severed. You take the lessons and move on.
LIFETIME blogs and bloggers teach you lifetime lessons; things you must build upon in order to have a solid foundation for life. Your job is to accept the blog , love the blog from your heart, have an open mind without judgment and put what you have learned to use in all other relationships and experiences of your life.
All the blog-o-sphere is a stage
And all blogs and bloggers merely players
They have their exists and entrances
And each in their time play many parts
Inspired and based on the original words
"People come into your life for a reason, a season, or a lifetime."
People come into your life for a reason, a season, or a lifetime.
When you figure out which one it is, you will know what to do for each person.
When someone is in your life for a REASON . . . It is usually to meet a need you have expressed. They have come to assist you through a difficulty, to provide you with guidance and support, to aid you physically, emotionally, or spiritually. They may seem like a godsend, and they are! They are there for the reason you need them to be.Then, without any wrong doing on your part, or at an inconvenient time, this person will say or do something to bring the relationship to an end.Sometimes they die. Sometimes they walk away. Sometimes they act up and force you to take a stand.What we must realize is that our need has been met, our desire fulfilled, their work is done. The prayer you sent up has been answered. And now it is time to move on.
When people come into your life for a SEASON . . .Because your turn has come to share, grow, or learn.They bring you an experience of peace, or make you laugh. They may teach you something you have never done. They usually give you an unbelievable amount of joy. Believe it! It is real! But, only for a season.
LIFETIME relationships teach you lifetime lessons; things you must build upon in order to have a solid emotional foundation. Your job is to accept the lesson, love the person, and put what you have learned to use in all other relationships and areas of your life. It is said that love is blind but friendship is clairvoyant.
What about you? Have blogs come into your life for a reason, season or a lifetime.. Leave a comment to let me know
Posted in Blogging, Communication, Consulting, Leadership, Life, Social Media, Writing
Tags: Blog, Blogging, SocialMedia
Great Social Media Quotes
I'm a big fan of quotes. And have been all along in my life.. So I wanted to publish a post on great Social Media Quotes that I've come across. Here goes!
"Social Media, it turns out, isn't about aggregating audiences so you can yell at them about the junk you want to sell. Social Media, in fact, is a basic human need, revealed digitally online. We want to be connected, to make a difference, to matter, to be missed. We want to belong, and yes, we want to be led." BY Seth Godin
"Social Media puts the "public" into PR and the "market" into marketing" BY Chris Brogan
"ATA – be AUTHENCTIC, be TRANSPARENT, be ALTRUISTIC, and you will find enough success in Social Media to have a satisfying career and experience." BY Nils Monta
"Build it, and they will come" only works in the movies. Social Media is a "build it, nurture it, engage them, and they may come and stay." BY Seth Godin
"Social Media is about the people! Not about your business. Provide for the people and the people will provide for you." BY Matt Goulart
"LinkedIn is for people you know. Facebook is for people you used to know. Twitter is for people you want to know." BY Author Unknown
"By creating compelling content, you can become a celebrity." BY Paul Gillin
"The problem with trying to determine ROI for Social Media is you are trying to put numeric quantities around human interactions and conversations, which are not quantifiable" BY Jason Falls
"Focus on how to be social, not on how to do social." BY Jay Baer
"Content is King, Social Media is Queen; and Together they rule the online world. So be the king and befriend the Queen, or be prepared to be ruled over" BY Nischala
Posted in Blogging, Communication, Life, Social Media, Strategy, Twitter
Tags: Blog, quotes, Social Media, Twitter
How Social Media can really help Writers / Bloggers?
As a writer / blogger, I have found Social Media to be a blessing! Be it Blogs, FaceBook, Twitter, Pinterest, etc. – They all prove to be invaluable for any writer..
So How can Social Media really help a writer / blogger?
1) Research
One of the best ways Social media can help any writer / blogger is for research. Research is an integral part of the writing / blogging process; and most writers / bloggers spend time in active research on the internet. Searching in Blogs, or on Twitter using specific Hashtags, or even simply following an expert on a specific topic on Twitter can significantly simply your research process and reduce effort!
2) Inspiration
Most writers / bloggers need a periodic dose of inspiration to bring out the best pieces of creative output. We all have different triggers / things which inspire us, and Social Media provides it in abundance. The only pre-requisite is you should know what kind of things inspire you (quotes, pictures, emotions, others experience's, etc.) and you should know the fastest way to get your dose of inspiration on Social Media. trust me! Its there everywhere – Blogs, Tweets, Pinterest, etc. etc
3) Ideas
Many times, a write / blogger needs ideas – On the topics to write about, how to articulate, how to take the story further – And you just can't seem to move ahead. Again, Social Media can come to your rescue. Sometimes reading totally unrelated articles fuels your imagination (I don't know how the brain wiring works, but it does!) and propels your forward, Sometimes reading a tweet gives you food for thought, Sometimes a picture / infographic does the trick, and sometimes it is a blog post which gives you that killer idea! Sometimes it is your own past Social Media activities which trigger new ideas and thoughts :)
4) Easy access to samples of other writers / bloggers
Many writers / bloggers like to read samples of what other writers / bloggers have to say. It can be for very many reasons – To get exposure to alternate styles of work, to gauge audience sentiments, to figure out tips, tricks and best practices of the trade, or simply because they enjoy others work. Again, Social media provides easy and instant access to sample the work of other writers / bloggers
5) Promotion & Marketing
Sharing your blogs / writings has never been more easy, efficient, quick and global as it is today. Any blogger / writer can share their work at the click of a button. So Social Media can aid significantly in Promotion & Marketing
6) A Social Network
Writing / Blogging are lonely activities. It is just you , your thoughts , your words and your tools (Whatever hardware and software and systems you use!). So many writers / bloggers do like to have social interactions with others – After all, it is a basic human need! And the best part of Social Media is you can converse at any time you wish to, and with anyone who is willing to converse with you on any Social Media channel (Be it Twitter, FaceBook chat, etc etc). This virtual social network sometimes is a blessing for most writers / bloggers.
7) Writing / Blogging Groups and Communities
The other good thing about Social Media is the presence of online Groups and Communities. They exist on almost all channels (FaceBook Groups, LinkedIn Groups, Google+, etc.) and are formed by individuals who have common interests on specific subjects. Such groups usually share knowledge, information, request for reviews, provide feedback, support, encouragement and many times, also help in Promotion & Marketing of your work. You can join one / many such Groups and Communities, based on your personal interest, the time you are willing to invest and the personal value you see from them. But if you join the right Groups and Communities, you can benefit enormously by learning and interacting from fellow writers and bloggers.
What do you think? Leave a comment to let me know…
Posted in Blogging, Communication, Social Media, Strategy, Writing
Tags: Blog, Blogging, Social Media, Writing
Feeling Low – 4 Ways Social Media Can Lift your spirits!
We all go through phases when we feel low. Sometimes we know why, sometimes we can't put a finger on it…
And yet the one thing we all know is that the sooner we beat the blues, the better for us.
And from personal experience, I can say that Social Media can help lift your spirits.. Here are a list of ways that Social Media has helped me
1) Read a blog that makes you laugh or inspires or makes you forget the blues. For e.g.: I check this blog Worth a Read, and always find something which is an instant mood lifter
2) Login to FaceBook and look at the photos of friends and family. Most people tend to upload only the good pictures, fun moments or interesting events. So you get to see the "good slice of others life"; and it usually changes your mood
3) Pinterest – You will always find something to laugh about or something which will amuse or interest you on Pinterest. Click here for one example
4) Twitter – Go through the tweets of random people or someone your know or someone really funny, and your mood will instantly change. For e.g.: Check this list of 25 Twitter Accounts to Make you Laugh. And at least one of them will cheer your spirits
Has Social Media helped you beat the blues? If yes, leave a comment to let me know HOW?
Posted in Leadership, Life, Social Media
Tags: Blog, Laugh, Social Media, Twitter
Nischala's Blog-o-Review : Blog – ARKarthick.com
Blog Name: ARKarthick.com – Awesomeness
Started in : Mar 2010
Run By : A R Karthick (Entrepreneur, Blogger, Photography/Designing/Social Media – Enthusiast. Humorous, Creative & Positive Thinker. Love to be a Friend & Seek/Share Awesome Things!)
What I personally like about the site?
1) Awesome Content – In the blog-o-sphere, content is definitely KING, and Karthick's blog is a winner all along. While he writes many posts himself, his choice of Guest Posts is also excellent!
2) Wide range of topics – What I like about Karthick's blog is that he posts about a wide range of topics – from Social Media, to Blogging, to Life, to Entrepreneurship, etc. So anytime of the day, and any kid of mood you're in, you will find something that you will like
3) Guest Posting on the blog – Personally, I have published guest posts on several sites across the globe. And by far, the most pleasant experience has been with Karthick [ No wonder I posted so many guest posts on his blog :) ]. He is open on the topics to blog about, reasonable about expectations from you, gives great feedback / comments & suggestions and more importantly, he ensures he communicates with you on important aspects of the post (Its not like you are in for a big surprise when you finally see your post! OR You don't know when your post has gone live!)
4) The Blog Readers – Any blog has 2 important sides – One is the content creator (or those who publish content) and Two is the content consumer (or the blog readers, i.e., You and Me). And Karthick has a fantastic reader base – truly diverse, truly global and truly nice people. People who encourage you based on what you write, people who comment on your blogs, people who connect and engage about a specific topic and people who generously share on Social Media networks
5) He posts regularly – At least once a week, and mostly on Tuesdays between 3 to 4 PM.
6) User experience is good – Easy to navigate, Easy to share on social media, Easy to find content on specific categories, Easy to search for content & Easy to leave a comment
What I wish could be DIFFERENT?
Hmmm… I had to think real hard to come up with anything here.. but as a blog reader, well
(1) More Content I guess – I mean who does not like to read amazing content more often? We all do! So would be great if there are 2 posts every week (Though as a blogger, I know that 1 post a week for 3 – 5 years is itself a great achievement) especially when you have a full-time job as well!. But then, one can never really have enough of good things right?
On that note, here's wishing A R Karthick many many many more years of successful blogging :)
Posted in Blogging, Nischala's Blog-o-Review, Social Media
Tags: arkarthick.com, Blog, review
Blog Make-Over Services – Any Takers?
In life, I've seen several types of make-overs
Make-overs of houses
Make-overs of wardrobes – clothes, footwear, accessories
Make-overs of physical appearance, i.e, the face (usually a hair cut, hair style, make-up, etc. and sometimes permanent solutions like surgery too)
Make-overs of weight (usually unimaginable weight loss in a short duration)
Make-overs in relationships…
Given that I am so entrenched into blogging, I can't help but draw a parallel of everything to blogging. As I mulled over this, I wonder if anyone could offer Blog Make-Over Services (Both for individual bloggers and corporate blogs)?
Aimed at transforming your blog at 2 levels
(1) A new and improved layout : New colors, images, template, fonts, etc etc etc – which appeals to general masses. In many cases, this change will probably be welcome by both the blog owners and the blog readers too!
(2) Content make-over : To help you create and publish compelling content in a continuous and consistent fashion; and also maintain the content for decades to come
I don't know if anyone provides blog make-overs, but I sure do think that there could be a market out there for such services?
What's your view? Would you like your blog to be given a make-over.. Leave a comment to let me know
Posted in Blogging, Social Media
OK.. You write a blog.. So what Next?
I entered the blog-o-sphere in 2008 primarily as an avid blog reader. In 2009, I started my own private blogs in which I used to write occasionally. In 2010, I shared my blogs with a few friends and family; and received very encouraging feedback and response.
Almost all of them suggested that I should make my blogs public and write more seriously simply because they said I wrote well & everyone enjoyed reading my blogs and always had one / more compliment for me. The more important feedback was that the topics I wrote about had universal appeal. And rightly so!
So as of date, I have a 12 year old girl from India reading my blog, a 20 year old college student from London who follows my blogs, 30 year old professionals (primarily part of my own personal network) who look forward to my posts, a 40 year old American CXO reading my blog, a 50 year old entrepreneur who comments on my blog, a 60+ famous writer who says he loves reading my blog and a 70 year retired teacher who enjoys reading my blogs – So age no bar!
Profession no bar (And trust me! My blog is read by students, teachers, IT professionals, media representatives, homemakers, entrepreneurs, writers, and authors, CXO's, etc.) and of course! Location no bar! (India, America, Europe, etc. etc. etc.)
So obviously I'm doing something RIGHT. Anyways that's not why I am writing this article. But over the recent past a lot of people are asking me "OK! You write a BLOG… So what NEXT?"
Hmm… Good Question and Honestly, I did not have a befitting response until I looked around to see what other successful bloggers have done beyond blogging. In this post, I am listing my observations and views on what you can do after you've started your blogventure.
Here are 5 things you can do beyond blogging…
1. Write a Book
Most successful bloggers seems to have authored / co-authored a book at a time when their blogs were at the top! This seems fairly logical because writing a blog for a long time really improves your thinking skills, your writing skills, your observation skills and your own self-discipline; All of which are absolutely essential to write a book! There are several differences between a blog and book primarily in terms of the topics you can write about, the publishing process and the feedback process. Nevertheless, a BOOK is a possible option for any blogger!
2. Training
Many successful bloggers I've seen get into Training Services. So what do they train about? Well, anything that has a market demand right from "How to create a Successful blog?" to "How to lead a balanced life?" – As long as you know something, have put it into practice, have created a repeatable model to replicate the "success mantra" – You can create training program! And then with technology, you have several options for the delivery mechanism – from the age old class room training to self-paced e-courses / modules which anyone can access anytime online. Of course, they charge for this; but every session comes with some freebies – So if you're lucky you can get access to a wealth of best practices free-of-cost!
3. Pursue a New Hobby
Interestingly from my personal observations, most bloggers start off with blogging as a hobby. Once they achieve some level of success and mastery, they definitely explore a new hobby, which combines their blogging skills, and the new hobby in pursuit. Classic examples are Cookery blogs or Photography blogs.
4. Consulting and Advisory Services
Again, many bloggers get into paid consulting and advisory services through or because of their blogs. It could be services on marketing, blogging, writing, social media, branding, training, etc. Again, as long as there is a market, these have potential. The big plus is that you can reach to potential customers through your blogs and if anyone connects with you for leveraging your services, they have some idea about your strengths and what to expect!
5. New / Alternate / Additional Job / Employment
Again, a pleasant discovery was that most bloggers appeared to have either
(a) Changed jobs after they started blogging – I mean why not? If you are a good blogger and are able to successfully articulate your point of view on one / many subjects for a long period of time it means that you know the subject, you understand it from more than one dimension, you think and you find time to write (which means you have some internal self-discipline and motivation!). Aren't all these invaluable skills in any job market? In some cases, the new jobs and employment were in the same field but with more than one additional benefit (monetary and otherwise) and in some cases they were a complete career switch (So for e.g.: An entrepreneur turned to an author) AND / OR
(b) Had additional employment avenues because of their blogging efforts. So either a paid blogging avenue or an enhanced personal brand due to their work being published in one / more blogs of global repute.
And last but not least, of course DO CONTINUE BLOGGING!
So… what do you think I / anyone can do after they've written a blog?Leave a comment to let me know…
Originally published @ http://www.arkarthick.com/2012/11/05/beyond-blogging/ ; Edited and re-published here
Posted in Blogging, Branding, Business, Communication, Consulting, Entrepreneurship, Leadership, Marketing, Social Media, Strategy
Tags: Blog
Does your BLOG have a BRAND?
I often wonder if blogs have a brand…And I am using "brand" in the most basic sense of the word – As really something which "truly distinguishes your blog" for others.. As I mull more on this, I can't help but think that every blog has a brand of its own.. So what are the key aspects which determine the brand of your blog
1) Your Blog Design
The first thing which anyone really observes when they visit your blog is the overall design – The most important parameters being the colors, template and layout, font style, font size and the overall menus. If you are a serious blogger, you absolutely need to get this right! If you can do something exclusive here, then good for you. If not, it should still be appealing to the general eye!
2) Your Blog "About You"
Again every brand has a "persona" and in the blogging world, your persona is what you say about yourself. You have the full freedom to paint the picture of yourself you want. The most important thing is to be honest, short and sweet & of course positive. If you can keen this section really "unique" and interesting, it will go a long way in enhancing your blog's brand value. A picture of yourself is an absolute MUST!
3) Your Blog Content
"Content is King" and "Content is Queen" and "Content is everything" in the blog-o-sphere. So update your blog content regularly, keep it fresh, interesting and ensure that there is some take-away from every post of yours. Ultimately, your blog content is what creates, builds and maintains the brand image of your blog. And you got to continuously work on this as there is no dearth of content in the online world!
4) You
Again, every blog you publish has a part of you! Your thoughts, your emotions, your experiences, your imagination, your views, your opinions, your articulations, your perspectives, your analysis, you comprehension, your conclusions. There is a little and lot of the real YOU in your blogs. Your blog is eventually your baby – your creation. And your offline brand definitely influences the brand of your blog. NOTE: This is more relevant for well-known personalities / offline celebrities as they already have a strong brand image in the real world ; and some of it translates to the blogging world. For e.g.: Amitabh Bachchan's Blog (Bollywood Actor and Superstar)
5) Everything else on your Blog
And then there is everything else you do on your blog which influences the brand image. The menus, pictures, videos, links, ads, etc etc etc
Nevertheless, branding is really about perceptions and how your readers perceive your blog is what makes all the difference. A little bit of thought, a dash of creativity, a pinch of positivity and of course, lots of dedication is what makes all the difference in the long run.
On that note, Happy Blogging
Posted in Blogging, Branding, Business, Communication, Innovation, Leadership, Marketing, Social Media, Strategy
How frequently should you blog?
There's a lot of global debate and discussion around "How frequently should you blog?" – Be it a personal blog or a professional blog.. And also a lot of answers, advice and best practices ranging from "You should blog every day" TO "You should blog 2-3 times per week" TO "You should blog once a week" TO "You should blog once a month"… With so many diverse opinions it becomes hard for any blogger to figure out the right answer..
From my personal experience I can definitely say that there is NO RIGHT ANSWER.. It all depends on the big WHY? Why are you blogging and what do you want to achieve from your blogs? So the frequency of your blogs should be governed by your own personal blogging objectives..
Having said that, I can also say from personal experience that blogging in the long run requires creativity in terms of
- Blog topics and the way you articulate,
– Discipline in the blogging process and
– Time and effort to keep the blog active over a long period of time (say years)..
All three parameters are equally important. So if you have a lot of ideas, but are not disciplined and don't take the time to publish a blog you will not have an active blog!
Also, most of the globally reputed blogs publish atleast 1 article per week, some of them 2. But they do ensure that the blogs are updated regularly at a pre-determined frequency (including days of the week and times of the day). Having been a blogger for several years now, I can definitely say that the recommended frequency for any serious blogger (no matter what the objective) is 1 – 2 blogs / week. It can be your own blogs or a guest blog, but there absolutely has to be an update every week.
From the reader's perspective it helps to know when one can find an update on your blog and hence they can look forward to your posts regularly.
For the blogger's perspective, enforcing a frequency ensures that you read regularly, you think constantly and you also write on a regular basis so that you have an active blog. And if you look at the larger canvas of life, reading, thinking and writing are 3 key foundational pillars for anyone to learn, grow and evolve in the journey of life.. So why will anyone not do them?
Posted in Blogging, Business, Consulting, Customer Centricity, Leadership, Life, Social Media


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Anthony Perez scored a career-high 22 points, including a go-ahead 3-pointer with 2:02 remaining as Ole Miss erased a 12-point deficit and held on to defeat South Carolina 75-74 Saturday
Click here for the original story.
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When Mike Shula came to the Carolina Panthers for the offensive coordinator position in January and met coach Ron Rivera, he didn't proceed with the usual presentations and sales pitch to secure his place. He simply brought the pay book along with him for the meeting and told Rivera what parts of the original strategy he would still keep and what would change if he was confirmed as a replacement for Rob Chudzinski.
And it all certainly worked. Rivera was pleased with how Shula would manage things and that the Panthers would not have to go through the daunting task of doing everything over again with a new offensive coordinator. Shula had done well as a quarterback coach and Cam Newton was a living testament to his capabilities as a head figure. Now, nine months have passed and Shula has proven his candidacy to be a worthy one.
Quarterback Cam Newton is enjoying the best three games of his career and the team is incorporating an offense that goes old school and has a perfect balance of everything. And now they are 4-3 and they are over .500, something which last happened in 2008.
"We were hoping we'd be able to keep things very similar to what we'd built. We felt we'd done a lot of good things at the end of the year," Shula said.
Tight end Greg Olson was appreciative of Shula, saying that he had revived the basic game that the Panthers were starting to get rusty at.
"He's done a good job cutting out some of the verbiage, cutting out some of the fringe plays and really focusing on what our core specialty is," he said. "We've been pretty balanced run and pass."
Over the course of the past three games, Newton has a 130.3 passer rating, a NFL top and has six touchdowns, 77.3 percent completion rate of passes and ran for 667 yards. Shula did not judge the plays according to stats but said that a good play depended entirely on how it went on the field.
"A good decision doesn't mean it's a short throw (or checkdown). A good decision means he's getting the ball out there on time, his feet are set, he's going to the right guy," he said. "When he's making those good decisions, regardless of anything else stats, whatever this or that we've won games."
Carolina Panthers offensive coordinator Mike Shula going old school with gameplay
10/30/13 in NFL | Mia781 | 953 respect


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Electronic Cigars
Electronic Cigars
Now most everyone has heard of electronic cigarettes – they are all the rage for quitting smoking and for creating a more pleasurable smoking experience in general. But a new trend out there is electronic cigars – a classy twist on the electronic cigarette revolution. Some people don't know this, but even tobacco cigars can cause you cancer – particularly cancer of the mouth. You can experience the fun of exhaling those huge plumes of cigar smoke without the risk of oral cancer by using one of the awesome electronic cigars that are out there on the market. And the cool thing about electronic cigars is you can a actually inhale the vapor, if that's your sort of thing! The best part probably about electronic cigars is the huge batteries that come with them – they'll last you a lot longer than your typical electronic cigarette battery and produce a ton of vapor too.
Electronic cigars come in both starter kits and disposable, so depending what you're looking for you'll have to decide between those two. Electronic cigars that are disposable last longer than disposable electronic cigarettes, so you'll actually be saving money compared to buying a disposable e-Cigarette. Disposable e-Cigars range anywhere from $9 to $30 and they'll last you from 1,000 to 2,000 puffs depending on whether you get the low or high end product. 1,000 puffs is a ton of puffs, so you'll definitely get your money's worth compared to electronic cigarette disposables that can sometimes last only 200 puffs. Plus, the electronic cigars are bigger and give more of a feeling of smoking a nice Cuban than puffing on a flimsy cigarette. When I go disposable, I personally like to go with the cigars. They're like a special event when I want a break from my e-Cig, just like how cigarette smokers will occasionally have a cigar for a special event or occasion. In the end, I would definitely recommend a disposable e-Cigar if you're looking for a cigar like experience without risking oral cancer. They come in different flavors so it sort of adds a new aspect to cigar smoking.
Besides the disposable e-Cigars, you can get a starter kit that includes an actually rechargeable battery and then you can purcahse flavored cartridges that you screw on the end of it. This is great because you can recharge your electrnoic cigar and use it for multiple special occasions! But really, if you're looking for the wise economic decision when it comes to e-Cigars, the starter kits are the way to go. The batteries last forever and then you can just keep recharging them. I don't smoke enough cigars to get the starter kit, but I really enjoy the occassional disposable. I'm sure if I was a cigar man that I'd buy one of these starter kits. They run anywhere from $70 to $100 and they are well worth the price. Inside the kits you'll usually get a big 'ol cigar battery or two, you'll get your refill cartridges and you'll get a USB and/or wall charger. This is all you need to get started with your e-Cigar and you'll be ready to go. Once again, you will love the ability to recharge your electronic cigar and you won't have to throw away your electronic cigars every time you're done with them as with the disposable electronic cigars.
So what do electronic cigars even look like? Well…just like a normal tobacco cigar! The batteries are usually brown colored and are about the same size around as a normal cigar. Some brands even offer batteries in a crazy amount of colors – seriously the brand Premium has at least 15 different colors and options for both automatic and manual batteries. Manual batteries are a great choice because you can choose when your electronic cigar emits vapor and this increases how much vapor is released and it conserves battery power as well. But if you're looking to move from a traditional brown electronic cigar to a colored one from Premium, they're only going to run you about $25! Plus they even have custom design batteries which is one of the coolest things I've ever seen in my time with electronic cigarettes!
The cartridges are also just like the end of the normal tobacco cigars, they even have the conical shape that you come to love about your cigars! Unfortunately they don't really have any colored cartridges that match the colored batteries, and they only have cigar flavors – but that's all you're going to need right? From my experience, the flavor of electronic cigars isn't quite as "full bodies" as tobacco cigars, but they do taste nice and get the job done really well. I really enjoy my occasional experience with electronic cigars because the taste is so uniquely different from electronic cigarettes. The cartridges for e-Cigars are actually much better than those of electronic cigarettes because they hold so much more e-Liquid and last much longer, same as the battery. You will have to buy less refills and spend less money in the long run compared to how you had to buy new tobacco cigars every time. The nicotine amount of the cartridges range anywhere from 0% to 1.8%, so whichever amount of nicotine you want to intake, there is an option out there for you. I especially enjoy the 0% option because it allows smokers that don't want any nicotine to enjoy the action of smoking without the damage of nicotine (even though that damage is very small, it's still addicting).
In the end, it's clear that electronic cigars are a much better option than tobacco cigars. They are cheaper, they won't smell up everyone that you're around when you're lighting up and they are much more budget friendly in the long run. The colored batteries from Premium are really nice, a cool option that I didn't think we'd see when electronic cigars first came on the market. For those classic, classy cigar smokers out there – you should definitely consider making the switch! If you haven't seen that clip of Katherine Heigl on David Letterman, you can see a true cigar smoker puffing away on an e-Cigarette and enjoying it! Good luck shopping and make sure to refer to our reviews in your shopping!


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Buying a Home, part three: Dealing with Debt
Published on - September 28th, 2006 (by J.D. Roth)
This is the third installment in Luneray's homebuying adventure. In the first part, she looked at houses. Last week she made an offer. In today's third part, she discusses coming face-to-face with a lifetime of debt. (Bold emphasis added by J.D.)
This house buying experience has been a real eye-opener when it comes to finances, besides the overwhelming shock of sheer indebtedness. I've been trying to figure out a way to get everything paid off as soon as possible.
I've been reading about the debt snowball method of debt reduction. Conventional fiscal wisdom says that the smartest plan of action is to pay off the debt with the highest interest rate first. From a fiscal standpoint, that's probably the wisest choice, because you pay the least amount of interest this way. However, humans are flighty creatures, prone to frustration and despair. If you are like me and have multiple individual debts (seven separate student loans!), and if your loan with the highest interest rate also has one of the highest balances, then it will take a long time to get that loan paid off.
The debt snowball technique is not the most prudent financially but it's good psychologically. We humans like encouragement, and we are likely to continue the good work when we see results. With this method, you make aggressive payments to pay off the loan with the smallest balance first and make the regularly scheduled payment on all the rest. When that first loan is paid off, you take the money you paying toward that and add it to the regular payment to the next smallest loan until that's paid off, then take those two payments and add it to the third — you get the idea.
I've been playing around with Excel today, trying to get an idea how quickly these loans can be paid off. Our car has the smallest balance, so if I increase our payment to $250 a month, then it will paid off by August. Oscar's student loan repayments begin in November, so we will make regular payments until August when I'll take that $250 and add it to loan #1. (Yes, you read that right. His repayments begin in November. And we decide to buy a house right now. Student loans and mortgage payments all begin in the same month!) With the regularly scheduled payments, all the loans will be paid off in 2026. (Twenty year repayment for most of them.) With the snowball method, loan #1 will be paid off in January 2009, loan 2 in April 2010, loan 3 in April 2011, and so forth.
I've also read a strategy to pay off the mortgage faster. If you get paid every two weeks, then if you pay half of your monthly mortgage payments out of each paycheck, then you can pay off your mortgage several years in advance. Seriously. However, what I've never heard is that if you can still knock several years off your mortgage if you pay half your regularly scheduled mortgage payment twice a month.
Consider a $150,000 mortgage, 30 year loan period, 6.25%. The monthly payment is $923.58.
With monthly payments, you will have 360 scheduled payments and you will pay $182,487.29 in interest. On that same mortgage, with 24 yearly payments (semi-monthly) instead of 12, each payment is $461.58, so you still pay the same amount each month. However, If you pay twice a month, you are paying a little more towards the loan principal each time, so you are not earning as much interest and you can still knock several years off the life of the loan without any additional out of pocket expenses. (In this case, you will pay off the loan in just 16 years instead of 30, and you pay $123,922.40 in interest.)
Assuming, of course, that your bank will let you set up semi-monthly payments.
So I wonder how quickly I can pay off the student loans using the semi-monthly strategy. Unfortunately, this will mean having to make manual payments (actually sending in a check!) instead of an automatic withdraw, plus it puts a lot of responsibility on me to actually keep up with it. It's kind of nice having the car and visa with the credit union because I can transfer money toward the balances anytime I feel like it.
Oh damn. I just got this message from the mortgage broker:
"Regarding the bi-weekly question. Most lenders will offer that as well, also usually after the loan is closed. Here's my take on that option, take it for what it's worth. Most lenders will not accept a partial payment, so when they pull the first half of payment they hold it (making interest) until the second half is pulled at which point they apply it to the loan. Usually they charge to set that option up, I've seen as much as $500 set up fee. The true benefit is that with 52 weeks in the year and therefore 26 bi-weeklies, you are actually making 13 payments a year which will cut the payoff time down on your mortgage. I normally suggest, that if that's your goal, if you paid basically an extra $100/month, which equates to $1200/year, you are essentially making that extra payment a year, without them making the interest off your money 1/2 of each month and your set up fee. I don't know if that helps at all, but it's always seemed to me that while it's a good idea to make the extra payments, I don't think they should make money off of you to do that."
Buying a house — especially buying your first house — is emotionally draining. It's scary. Thanks to Luneray for sharing her home-buying adventure with GRS readers. Please keep comments constructive.
This article is about Debt, House and Home, Real-Life
In Canada the market for mortgages has become extremely competitive, and it's almost the norm now for lenders to offer a wide range of payment terms with no set up fees. Typical terms include being able to pre-pay up to 10% of the original balance once per year without penalty, and the right to pay up to double each payment for every payment day, with the extra going directly toward principal.
Most lenders have put these policies in place to be more competitive, knowing full well that most people won't take advantage of them.
In the USA it's up to consumers to put pressure on the lenders to offer more favourable terms. Seek out lenders that are more flexible with prepayment, and give them your business rather than lenders who make a mortgage as restrictive as possible.
The Vegas saying applies (with small changes) to banks as well. "They don't build their fancy buildings by giving away money for free". Hopefully you don't sign up for a mortgage with a prepayment penalty! My wife and I try to budget for 2 check months for all 12 months and use the two "extra" checks for extra house payments (because we are at Dave Ramsey's baby step 6, otherwise it would probably go to other debt first)
I had a mortgage company that would accept any payments at any time, but they would always pretend they got them on the due date (i.e., had a policy of not applying them until the due date), so paying early didn't help you (unless it helped you budget more easily).
Here's the exciting thing to do with a new mortgage. First the depressing part: Get an amortization schedule. You can request one from your lender or make your own on a spreadsheet this way:
In column 1 put the total amount you owe. In column 2, put the total amount of interest accrued in one month (column 1 * interest rate / 12). In column 3 put the amount of principal you're paying off (the P & I part of the payment minus the amount in column 2).
No go back to column 1, and in the second row calculate your new total amount owed for the second month (the first month's amount owed minus first month's principal paid off). Now copy the cells down until you get to the total number of months for your loan which should be the same as when you get to where the principal equals zero.
So the depressing part is how much money is not going to principal. When I started (many years ago), my ~$500 P&I had only ~$30 going to principal.
Now here's the exciting part. If you add that tiny depressing amount that is going to next month's principal to next month's mortgage check (and tell them to apply it to principal and not escrow), you are cutting one month off the end of your loan. Basically, you can check off that month and the next month from your schedule. In my case, I added $100 each month, thus cutting off over three months from my loan each month.
For the psychological thrill, yes, I did check off the months as they were paid off, and I also made a chart showing how much I would be owing if I had stuck to the schedule compared to how much I actually owed. I made it a very large scale so that only the top part of the graph (not all the way down to zero) appeared on the graph paper.
(After two years I refinanced from a 30-year loan to a 15-year loan at a lower interest rate and with much lower mortgage insurance and a slightly higher monthly payment. Nowadays, ~$350/month is going toward my principal, which is great, but now I just put my extra money into probably higher-paying investments, which I can use to pay of my mortgage at any time if I want.)
Debbie, that is a really great idea for tracking how much you're paying off each month! I will be putting that together this weekend. What I've always been told is to just take the P&I payment you make each month, divide it by 12 and pay that amount extra each month. That equals out to the one extra payment per year.
The other nice thing about sending in an extra $100 or $150 each month instead of having your mortgage company set up a program, is that you're in control. If you need to use that money for something else that month, you're able to do so. If you can squeeze a bit more out of your budget to contribute to your mortgage principle, you can do that as well. The nice thing is that you're not mandated to do anything.
[...] After finalizing the refinance, read this post at Get Rich Slowly. A good post, but what I really found worthwhile was one of the comments by Debbie. She outlines a method of paying down the principle that follows the amortization schedule. It definitely sounds interesting and I plan to set it up for us this weekend. [...]
debbie. when you "knock" out a month from your loan, you are knocking out from the "end".
meaning the 29th year, 12th month, then 11th month and so on.
because of the Time Value of Money TVM,
you are using $100 to knock out $100 in the 30th year.
$100 now vs $100 in 30 years is not the same.
in a 5% world, $100 would grow about 2.5x in 30 years. so you should get credit for $250.
but you are only getting credit for $100.
if you really want to avoid interest, you retire the mortgage. of course, the money you used to retire the mortgage could instead have been earning 7% for 20 some odd years.
It all works out to be very fair if you are on a low interest rate. money = time, time = money.
This is why it is pointless to prepay a mortgage if you are more than half way down your 30 years or 15 years. by then, as you look at your amortation table, you are basically paying yourself. why stress it?
Actually I was using $100 to knock out almost $500 from each of the last three months. That's still not as much as I would be making by finding an investment with better returns than my mortgage interest rate. But it's so exciting that you might get motivated to save more than you otherwise might.
The reason I implied you were knocking out the upcoming month rather than the last month is so that you can keep up to date on how much of your money is really going toward principal on your next payment. If you pay off the principal more quickly, then the amount of your P&I going toward principal increases more quickly than is shown in the amortization schedule, so using my method you are also moving down the amortization schedule quickly enough to keep up to date.
"However, what I've never heard is that if you can still knock several years off your mortgage if you pay half your regularly scheduled mortgage payment twice a month."
I think you have made a serious error in your calculations here. Switching from 12 monthly payments to 24 payments of half the size only saves you the interest on that half payment for the 15 days or so. When I run the numbers from your example, this adds up to saving just over 14 _DAYS_ off the life of a 30 year mortgage (a long way from the 14 years you seem to indicate!)
I thought I should point this out before people rush around reoorganising finance and loans to save only a couple of dollars per year.
Paying fortnightly works great however as it adds up to the equivalent of 13 monthly payments per year.
Shane, I used the "Loan Repayment" spreadsheet available as a downloadable template in Excel 2003.
In this template, you enter the original loan amount, the interest rate, the original loan terms, and how many yearly payments you wish to make. According to this template, if you can pay 24 times a year, you can knock several years off the loan. It seems, though, that this won't work if the mortgage company holds the payment for half a month. I think the 26 annual payment works because you are making one extra payment, with that payment amount added to the principal all at once. For example, say you get paid three times in July and make a payment each payperiod, the mortgage company holds that extra payment until your due date and then the extra is applied to the principal then. So, they still make interest, but you are reducing the amount of capitalized interest accruing on your loan.
Also, Excel 2003 has an "additional mortgage payment" template (I forget the name of it), in which you can add an additional amount of your choosing to the monthly payment, and it will tell you how much sooner the loan is paid off. I think there is an error in that template, though, because if you add 1/12 of your regularly scheduled payment to the loan (the monetary equivalent of 13 payments per year), it says you will pay it off only a few months sooner, which doesn't sound right.
luneray, I couldn't find the first template you were using.
I did my calculations using the Excel built in functions:
You started with $150,000 mortgage, 30 year loan period, 6.25%. You, the PMT function and any other mortgage calculator give the monthly payment as $923.58. As I understand it you are proposing to pay half that amount 24 times a year ($461.79)
Putting that into the PMT function to calculate the number of payments to pay off this new loan:
This gives 719 payments at a rate of 24 payments per year:
=29.96 years
=29 years 351 Days
The key thing here is paying twice a month is not really an "extra payment" it is just paying the payment you would have made at the end of the month two weeks earlier. Any time you pay any money off a loan sooner it saves you interest. But as you were going to pay this amount at the end of the month anyway it is only saving you the 2 weeks interest on the amount of this payment.
I'm not trying to be argumentative but the numbers in the article just don't add up.
You need to change the calculation to 26 payments per year. By paying 1/2 monthly payment every two weeks you get 26 payments (in 52 week year), thus paying 13 monthly payments per year instead of 12.
don't worry, I don't think you are being argumentative.
I wish I could access that form right now so I could check the template name and look at the formulas. (I'm at home with an older version of Excel.) I'll try to post the formulas used and the template name when I return to the office. It was not a mortgage repayment template; just a generic loan one, which is probably far simpler than a mortgage calculator.
I guess what's key here is how frequently the interest is compounded and not how often payments are made toward principal. My guess is that mortgage interest is always compounded monthly (at least in the US); that is, one big sum based on the principal on that day. So if you make one monthly payment, two semi-monthly payments, or 30 daily payments, it doesn't affect the compounded interest. That would explain the discrepancy. I think the template assumed that the repayment terms were semi-monthly, and the interest cycle as well.
I've been evaluating the snowball method, too. There is a good (and free!) Excel file for evaluating your debt mix. I blogged about it at http://milliondollarslacker.com/2006/09/15/snowball-your-debt-or-not/
In my situation, the snowballing method is cheaper and takes less time to repay when compared to the "pay off high interest balances first" method.
Check out the link to the Excel file though it's a good one.
[...] In Praise of the Debt Snowball [...]
[...] Buying a Home, part three: Dealing with Debt [...]
[...] This is the fourth installment in Luneray's homebuying adventure. In the first part, she looked at houses. She made an offer in part two. Last week she meditated on coming face-to-face with a lifetime of debt. (Bold emphasis added by J.D.) [...]
Hi. Just found this blog today, and I'm really confused… The title seems to suggest that this is a blog of good advice for people trying to save money and be thrifty… Overall, though, it seems the posters just end up in the same pitfalls and unpleasant surprises as anyone else. Viz the recent pair of postings of "don't get an extended warranty" followed by "crap, my non-extended-warrantied laptop just broke." Likewise, here we have a story about new homeowners who are intelligent and took the time to do some du diligence and STILL got screwed in the end.
It doesn't seem that the posters' own experiences encourage the following of the posted advice here.
My question is a bit of an off-shoot of this subject… About 5 years ago, my now-husband had a dispute with AT&T and refused to pay his last cell bill with them "out of principle". We bought a house 2 years ago, and the collection from ATT showed up on his credit report. Luckily we still got a really good mortgage rate, but the issue came up again when we applied for a home equity loan. He just received a letter from a law firm offering to let him pay off the collection for $0.50 on the dollar, and I'm considering paying it off (and not telling him ;-P) since it's ruining his credit.
However, I'm a little nervous/skeptical about the legitimacy of this letter. How can I be sure that they will satisfy his collection and that this isn't a scam? Does anyone know where I can find reliable information about debt collections?
Thank you!!
Two things to make sure of – and we learned the hard way. When paying off any loan *ahead of time* make sure you indicate *on the check* that you want this amount applied to the *principle only*. Otherwise, they are free to take it from the interest owed, and your principle does not reduce as quickly as you wish. Sometimes you can make this wish known electronically. Secondly, we got a great mortgage which was then sold to a not so great company. My husband made one late payment (a couple of days) and they did not notify him. He continued to pay his other payments on time, but because they tacked a $25 fee onto his late payment (which he did not know was late and they failed to notify him) every other payment made after that was technically short $25 – once again late, another charge was added, and ever onwards. We only found out because we wanted to refinance our mortgage, and we have the best credit on the planet (or so we thought) and we were turned down, (we have never been turned down) and we thought it was a big mistake. On top of that, when my husband called to rectify the problem, paying fees he shouldn't have owed – he sent them a check, which they later claimed (for some reason, I still haven't understood) they were unsure where to put the money, so they put it in a reserve fund, did not apply it to our overcharges, and continued to charge us late fees!! When we finally discovered their latest trick, I told them we were all paid up, a gal suddenly "found" the money and we were in the clear without sending them another check. She had the audacity to ask me if I wanted the "reserve" money moved into the account where we owed money to them – I didn't know mortgage companies were allowed to just hang unto people's money and not use it toward their debt???? Then levy penalties against said people because they didn't pay on time?
I got one of their workers on the phone to admit that it was crummy business practice (criminal in my book) and they saw this problem all of the time.
Oh, and they told me anyone can let them know to be notified if their account is in arrears, but they don't do it as a matter of courtesy unless you ask. (I wonder why? Maybe because it allows them to *legally* steal our money? I didn't know people could charge you money and not let you know about it???) That's the scoop – we have a new mortgage after waiting two years to clear our record, and dropped it to 15 years versus 30 – we also only get three year loans on cars when we need loans, thus at any time we can sell said car for what we owe and be free.
It's a good idea to look at a house as a potential money maker instead of only a financial drain. For starters, if you have a garage with your house, DO NOT FILL IT UP WITH CRAP! Rent the garage to someone else and let them use it to store their crap, and you're now a landlord with a modest income stream from your property. You must report this income, and it is used to prepay on the mortgage. THEN HAVE A YARD SALE TO SELL ALL THE JUNK YOU WOULD HAVE STORED IN THE GARAGE AND NOT USED, AND PUT THIS MONEY TOWARD PREPAYING THE MORTGAGE. Got a spare room or two? Rent them to people needing a home. Have a written agreement. If you set it up as a house share where you all use the facilities like the kitchen and an outdoor grill, this will be tax free as they are helping suport the house and it is technically a house share. If you strictly rent the room with no extra facilities, then it is income which must be reported, but the money may be used to pay off the house early, and you're a landlord again. Got a big piece of property? Maybe someone wants to park a trailer or piece of equipment on it for a monthly fee if this is legal in your zoning. Got a yard? Dig a little patch by hand, toss in kitchen peelings and waste, and grow a few tomato plants and lettuce to save money. We used all these techniques to earn money FROM our house, and prepaid the mortgage in 11 years instead of 20.


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5 Health Care Stocks Triggering 'Buys' This Week
You don't have to be an expert technical analyst to see what's going on in Pfizer (PFE). Shares of the drug giant have been climbing higher in a well-defined uptrend for the better part of the last year -- and shares are up more than 14% year-to-date alone. Clearly, PFE is a relative strength leader in the healthcare sector right now.
So how do you trade it?
There's a glut of buyers sitting underneath that trend line support line in PFE -- and it's spurred reversals the last four times shares approached the trendline. Those support and resistance levels give us a high probability range for this stock to trade within. And as you might expect, the ideal time to be a buyer is on a bounce off of support.When you're looking to buy a stock within a trend channel, buying after a bounce off of support makes sense for two big reasons: it's the spot where shares have the furthest to move up before they hit resistance, and it's the spot where the risk is the least (because shares have the least room to move lower before you know you're wrong). While that means that some patience will be required for an entry in Pfizer, that patience will pay off.
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The German Socio-Economic Panel Study (SOEP) – Scope, Evolution and Enhancements
AbstractAfter the introduction in Section 2, we very briefly sketch out current theoretical and empirical developments in the social sciences. In our view, they all point in the same direction: toward the acute and increasing need for multidisciplinary longitudinal data covering a wide range of living conditions and based on a multitude of variables from the social sciences for both theoretical investigation and the evaluation of policy measures. Cohort and panel studies are therefore called upon to become truly interdisciplinary tools. In Section 3, we describe the German Socio-Economic Panel Study (SOEP), in which we discuss recent improvements of that study which approach this ideal and point out existing shortcomings. Section 4 concludes with a discussion of potential future issues and developments for SOEP and other household panel studies.
(This abstract was borrowed from another version of this item.)
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Bibliographic InfoArticle provided by Duncker & Humblot, Berlin in its journal Schmollers Jahrbuch.
Volume (Year): 127 (2007)
Issue (Month): 1 ()
Pages: 139-169
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- Gert G. Wagner & Joachim R. Frick & Jürgen Schupp, 2007. "The German Socio-Economic Panel Study (SOEP): Scope, Evolution and Enhancements," SOEPpapers on Multidisciplinary Panel Data Research 1, DIW Berlin, The German Socio-Economic Panel (SOEP).
- C81 - Mathematical and Quantitative Methods - - Data Collection and Data Estimation Methodology; Computer Programs - - - Methodology for Collecting, Estimating, and Organizing Microeconomic Data; Data Access
- C91 - Mathematical and Quantitative Methods - - Design of Experiments - - - Laboratory, Individual Behavior
- D10 - Microeconomics - - Household Behavior - - - General
- D31 - Microeconomics - - Distribution - - - Personal Income and Wealth Distribution
- D63 - Microeconomics - - Welfare Economics - - - Equity, Justice, Inequality, and Other Normative Criteria and Measurement
- D80 - Microeconomics - - Information, Knowledge, and Uncertainty - - - General
- I - Health, Education, and Welfare
ReferencesReferences listed on IDEAS
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- Richard V. Burkhauser & Dean R. Lillard, 2005. "The Contribution and Potential of Data Harmonization for Cross-National Comparative Research," Discussion Papers of DIW Berlin 486, DIW Berlin, German Institute for Economic Research.
- Carneiro, Pedro & Heckman, James J. & Masterov, Dimitriy V., 2005.
"Labor Market Discrimination and Racial Differences in Premarket Factors,"
IZA Discussion Papers
1453, Institute for the Study of Labor (IZA).
- Carneiro, Pedro & Heckman, James J & Masterov, Dimitriy V, 2005. "Labor Market Discrimination and Racial Differences in Premarket Factors," Journal of Law and Economics, University of Chicago Press, vol. 48(1), pages 1-39, April.
- Carneiro, Pedro & Heckman, James & Masterov, Dimitriy, 2004. "Labor market discrimination and racial differences in premarket factors," Working Paper Series 2005:3, IFAU - Institute for Evaluation of Labour Market and Education Policy.
- Pedro Carneiro & James J. Heckman & Dimitriy V. Masterov, 2003. "Labor Market Discrimination and Racial Differences in Premarket Factors," NBER Working Papers 10068, National Bureau of Economic Research, Inc.
- Kevin Denny & Vincent O'sullivan, 2007.
"Can education compensate for low ability? Evidence from British data,"
Applied Economics Letters,
Taylor & Francis Journals, vol. 14(9), pages 657-660.
- Kevin Denny & Vincent O'Sullivan, 2004. "Can education compensate for low ability? Evidence from British data," IFS Working Papers W04/19, Institute for Fiscal Studies.
- Richard V. Burkhauser & Michaela Kreyenfeld & Gert G. Wagner, 1997. "The German Socio-Economic Panel: A Representative Sample of Reunited Germany and its Parts," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 66(1), pages 7-16.
- Ed Diener, 1994. "Assessing subjective well-being: Progress and opportunities," Social Indicators Research, Springer, vol. 31(2), pages 103-157, February.
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text:
GosAwk Wrote:
Oct 01, 2012 6:08 PM
This will not be a debate per se. Being that the four moderators are all hard core Liberals that carry Obama's water. Obama will know all the questions that will be asked of him, and will have rehearsed the answers. As for Romney, it will be a full attack against him with "gotcha" questions.


text:
David Remnick seems insightful here on the 40th anniversary of the 6 Days War.
40 Years Later
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text:
In Memory of Nicholas Empanchin
Nick passed away April 26th 2014, his family has graciously directed
donations in his memory to TSHA, Thank You for your donations
Here is a memoir by one of his Fury teammates from Dream Sports Center
Bucket on Ice Challenge
Sept 14th 11AM @ the IcePlex
2601 Raleigh Blvd, Raleigh, NC 27604
Try Sled Hockey for free
If you cannot play stand up hockey come out And try sled hockey. Specialized sleds are
Adapted to allow mobility impaired youth And adults the opportunity to play
Any experience level invited. Email us at
firstname.lastname@example.com if interested
Email us at firstname.lastname@example.com if interested
2014 /15 Equipment Fitting and Turn In,
Sept 6th Ritter Park In Cary 9am to 1pm
Prospective Players: Come by and get geared up and signed up for the fall season or ask questions.
Existing players: Trade in gear for new sizes or to replace damaged stuff. Update forms.
Former players: Return gear so that others might use it for the season.
Donations: Equipment donations also accepted during the session.
Volunteers will be on hand to fit and assist with any
questions for the season.
TSHA needs gear in working condition to help get the special and sled teams on the ice!
Special Hockey C/LTP 2014-15 Season Starts Sept 21 2014 @ Raleigh Iceplex.
TSHA is excited to start the 2014/15 season. The first 12 weeks of ice time will be used by the C/Learn to Play Team. These sessions are for all new skaters and any skater that was in the C/LTP (beginner) sessions last season.
The second half of the season will be for the A/B Team (medium to advanced). The start date will be announced later.
Sled Hockey Adult and Youth 2014-15 Season Sept 21, 2014 @ Raleigh Iceplex.
If you have any questions please browse the menus to the left or email us at firstname.lastname@example.com
TSHA has a Sled Hockey Program (website coming soon)
Triangle Special Hockey created an Adult Competitive and Youth Recreation Sled hockey team in September 2010. We are growing rapidly and in search of mobility impaired player of all ages. If you are interested in participating, volunteering or sponsoring the sled teams, contact us at firstname.lastname@example.com
Visit USA Hockey Disabled Hockey Sled page for more information on sled hockey. Our program is provided at no cost to the participant.
Triangle Special Hockey Association is dedicated to the development and enjoyment of ice hockey for developmentally or physically challenged youth and adults. We are associated with American Special Hockey Association and USA Disabled Hockey. We serve the Triangle and surrounding areas of North Carolina. We are a 501(c)(3) non-profit organization consisting of parents, volunteers, sponsors and of course, our exceptional athletes.
Triangle Area: JV Cotterell at firstname.lastname@example.com or call 919- 859-2848


text:
i have two movies "he got game" and "hostage" but both of them are in italian i want to know if i can change this and how please help me out
They call it subtitle.You may Google how to add subtitle or go to this link and read.The only problem is to find the file with the language you want.Is not a very big one and I don't understand why some uploader remove it.Here is the link:http://www.videohelp.com/forum/userguides/153058.php
Hello, you can find a subtitle in English and combine it to the movie with Nero or other movie editor.
yeah sure dude...
u need to follow these steps----
double click my computer
then browse the movie u want to play
then u double click the movie
make sure u r watching it on VLC
then listenn carefully what they speak
and then pause the movie
and speak in Hindi
then u will find the exact hindi conversion...
i want to no not about subtitle, its totally different thing
can the audio be changed from hindi to english???
hi everyone..i am watching GLEE and i want to change the language from english to french..hey can someone help me..GOSH i have search every where ....please do not refer me to subtitles..i want to change to audio language ..and PLEASE FOR GOD SAKE ..Do NoT sEnd ME STUPID ANSWERS AS the people above did!!!!!!!!!!!!
Seriously, there is no way to magically change the (audio) language in video file into a different language. As others have pointed out, you need the video with the right language to start with, or you need a version that has the audio track in different languages included within.
Hi You Can Watch This Video And You Can Download Any Movie For Free!
Go To : http://www.youtube.com/watch?v=H4h7bVBMTCk
found the new ep to my fav tv series but its in the origanal laungue Korean http://www.dailymotion.com/video/xtq8f0_taichichasers27-in-original-korean-not-english_creation?search_algo=2 how can I dub it, and how can I take the video like copy it so other fans can watch it
i want a basic idea of to change the language of movie that all
if some body have an idea so tell me please
you can download the audio script for a movie but they are extremely rare and very hard to find. If you do manage to find the audio script for your movie/program then you will need to download something like "Microsoft movie maker", once you have that. open the original movie file with "movie maker" then click on edit and mute the volume, then click on add music/audio, now add the audio script for your movie. you will have to keep checking to make sure it in sync and editing it if its not until you get it right.
Yeah, they call it subtitle.
I review the forum of www.videohelp.com, and find that many users recommend xiisoft video converter and when you add the source file to the program , and it will recognize the "Audio"and "Subtitle" automatically, then you can choose English as you output language.
BTW: You can also add subtitle by yourself.
Have a try, good luck!
I use cyberlink 11 powe director but you need to find a movie with the same voice track extract the voice track and than add in the new one. now theirs a program thats new but it for on line moive only http://translateyourvideo.com/ it will do it for you. lol madkillerdog I like cyberlink you can do some much with it
I use cyberlink 11 power director but you need to find a movie with the same voice track extract the voice track and than add in the new one. now theirs a program thats new but it for on line moive only http://translateyourvideo.com/ it will do it for you. lol madkillerdog I like cyberlink you can do some much with it ps.does matter what movie looks like its the voice that you want and with this program you can time the voice right in with the moive infact you can make you movies even better than they are this does eventhing make sure too read everything for the program on how too use it once you use this program you never go back to anything eles agin lol


text:
An official at South Korea's internet security agency, Chun Kil-soo, said investigators have determined that the attack was similar to past North Korean hacking and have attributed it to a military-run espionage agency.
He said investigators believe that six computers in North Korea were used to access South Korean servers using more than 1,000 IP addresses overseas. Chun said 13 of those IP addresses were traced back to North Korea. He said the attack apparently had been planned for about eight months before it was launched.
The accusation comes as tensions run high on the Korean Peninsula, with North Korea delivering increasingly belligerent rhetoric in anger over U.N. sanctions and U.S.-South Korean military drills. On Tuesday, the North said a nuclear war was imminent and recommended that foreigners in South Korea evacuate to safe places.


text:
GreatSchools Rating
Teacher quality
Principal leadership
Parent involvement
I've been to so many different schools and this one truly is the best. Whoever is complaining about it will really know what I mean when they leave it.
i like it. it is really great! i learn a lot in this school. this school help me a lot!
Your child CANNOT go to school in Bayonne if you live in Jersey City. Since it's a public school and free, I also can't imagine what scholarship the prior poster is talking about.
If me and my son lives in Jersey City, New Jersey how does my son apply?
Yes you can apply even if you live in Jersey City. I live in Jersey City and my daughter was accepted there w/ a scholarship!
This school offers many opportunities for motivated students. Your child will be challenged academically if they so choose to be.
the so called "adult night high school" offers handouts to 17-19 year students as a way to pass time rather than actually give them a lesson! The night program also turns away many students upon arriving and sometimes does not mark them IN. Allowing absences to build until the motivated young adult goes away., nice program...guess it was a way for them to get $$. They once told a teen who was trying to enter the program that he was trespassing...yes TRESPASSING. Extremely disappointed parent...
Bayonne High School (BHS) is very large multi cultural school who's goal is to encourage students to strive in life and meet their goals. BHS has the tools and resources to be able to guide each and everyone of their students in the right direction due to their dedicated staff of teachers and multiple vice principals and especially their dedicated principal Richard Baccarella. Not only does BHS strive in academics but the school has an excellent athletic department. Their men and women's basketball teams are always ranked in the top 3 in Hudson County and even makes it all the way to the state playoffs, not to mention their competitive cheerleading team who won the National Championship. BHS also offers a variety of clubs which keep the students engaged in academics and forces them to work closely with their peers. Overall Bayonne High School is a successful school.
Great spirit, lovely teachers and the best counselors.
Bayonne High School has given a great education to my three children, I love the teachers and thier commitment to excellence!
I am presently a teacher at BHS as well as an alumni. The teaching staff is undoubtedly superior if the children in the class are willing to learn. Unfortunately, many of the children in front of us today are unwilling. Granted there are stil lthe special few, who yes do happen to be mostly honors students who do care. I read many comments about homework not being assigned. HW is indeed assigned, unfortunately only about 20% of the students complete it. If parents will look at the Bayonne Board of Ed website and look up the teacher calendars, you will see a day by day listing of homework, readings, papers, and tests assigned. If parents truly believe their children when they say no HW is assigned, I challenge you to check into it yourself.
This school has gone through many changes, as all schools have, but sadly the changes here are for the worst. The teachers, not all, are political appointments, so their jobs are safe no matter how badly they teach and believe me there are a lot of bad ones. Safety is a big issue and this school has poor safeguards. Fights are the rule and not the exception. Rarely does a day go by when the police are not called. My child will not be returning to Bayonne HIgh School
This is a great high school, they should have a dress code or possibly uniforms, other than that, a caring high school.
This is a nice school...thye have a wonderful school system but need get more srtict on the clothing policy.....
I am a parent of a special needs child in this school, and as far as i am concerned, the program is worthless. They, the school system is more concerned about the other children. And you never hear anything about the programs for the special needs children. My daughter is 16 and she can't read yet.And the school will not help me get her to a better program,which costs 30,000.Dollars.The money isn't being used for the special needs children.But the other students always get the best. Sad.
I am a graduate of BHS, and after spending 4 years in the College Prep program, I still did not feel ready for college. A lot of the teachers did not teach, or give homework. There are some teachers who would rather talk to the students about their family than about history. I failed US 1 because of a teacher like this. I had 85-100 in every other class my entire life, which says a lot about this teacher's way of teaching. There is no way that this could be a reflection of me. 90% of my summer school class took that teacher. I had a 50 in his class and a 96 in summer school. I am on the Dean's List in college, and its sad to say that BHS did not help me acheive that...I did it all on my own.
I'm not exactly a parent, but a current student. Honestly they put more work into the honors batch than any other. Level a is a kick over for many persons. Honors people from time to time act superior and snobbish. There's not enough challenge or any kind stim for those us who are stuck for the want of people forgetting stuff. Having new teachers just brings down things too with inexperience and students who were promoted when barely passed by. There are those of us who suffered the grievous mistakes of the school board's plan of changing grammar school every 2 years that included myself as a child and now i'm in the edifice of it all. For once could the people running this system get it right and separate those of us who want to learn from those who could care less. I'm tired of either being bored for the lack of passion in the studies or annoyed for being pushed to hard... learning is to be what helps you succeed the best not some darn quotas set to be filled... education is more than this.
I feel that not enough effort to teach the avarage student is given. The children in the honors courses are definitly given more importance, while the ones that are not, are lost in the abiss. I'm very disappointed.
The opportunities in this school for our communities children are endless. Awesome sports program (Football team is number 1 in the state and classes ahve recieved best practices awards in the state), wonderful art and music program (Art students are always involved with national and state competitions and often win, as do the musically inclined students which also travel all over the country bringing home 1st place awards for their bands and chorus'), fabulous opportunities for children interested in the sciences (they are involved with NASA, have met the men who discovered DNA, go all over the country on various Physics programs in amusement parks and have traveled to see endangered species) among other programs in all other subject areas that make this an highly above average school. There are plenty of opportunities for all students to succeed. From children that are special education to the honors students, all are treated fairly and honestly. The teachers here are not lax at all in my opinion. My child receives regular homework as does his friends. If the children do not do well on a subject, there has always been extra tutoring available for the children to take advantage of. The teachers care about the fate of our children. They are endlessly working to provide them with all of the resources that will allow them to succeed not only in their class, but in life itself. Educational opportunities here are wonderful and I highly recommend this school.
I am a teacher at Bayonne High as well as an alumni. I do not have children yet, however, they will attend Bayonne High when the time comes. It is a wonderful school. The honors classes are exceptional. The teachers in those programs are tough on the kids, but they will thank them for it later. I know I did. I did cry to my parents at 1 point, begged them to remove me from my classes. I told them the teachers didnt care. Now, older and wiser, I realize that could not have been farther from the truth. I run my class much the same way. I do not baby the children and many of them want to be spoon fed. I refuse to do so. The kids of today are bright and do have the ability to use their own intelligience. State mandates require many modifcations to be made for certian students, I understand that. I do not understand a reduction is course material though. School is not too hard.
Community ratings and reviews do not represent the views of GreatSchools nor does GreatSchools check their accuracy or verify the reviewers' identities. Use your discretion when evaluating these reviews.
The Community Rating is the school's average rating from its community members (e.g., parents, students, and school staff). The highest possible rating is five stars; the lowest is one star.
669 Avenue A
Bayonne, NJ 07002
Phone: (201) 858-5900
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text:
The United States Practical Shooting Association (USPSA) Indiana Championship Pistol Match will be held starting today at the Riley Conservation Club and will run through the weekend.
It will be hosted by the local Wabash Valley Practical Pistol Shooters.
Over 250 competitors will be judged on accuracy and speed.
With more than 75,000 competitive rounds to be fired during several different stages of competition, safety is the number one concern for both competitors and observers.
It is great fun to watch and great fun to participate in if you are one of the competitors.
Yesterday was media day and that gave reporters who for the most part are novice shooters, time for a little fun on the range.
The competition is not easy.
All are encouraged to attend and see at least part of the event.
Experts say that they main things to remember anytime you handle a fire arm is to:
1. Handle the gun as if it's always loaded.
2. Keep the finger off the trigger until the sights are on target.
3. Don't let the muzzle point at things you're not willing to shoot.
4. Know your target and what's beyond and around it.
Here are directions to the Riley Conservation Club
Choose your favorite route to Interstate 70. Go to Exit 11 which is just east of of Terre Haute (Exit 7 is the main Terre Haute exit). Exit south (away from Pilot, Thornton's, Burger King, etc.) on SR 46. Continue south approximately 2.3 miles from I-70 until you see a place called "Pizza City" and the "American Legion" sign on the right side of the road. The street between the "American Legion" sign and "Larry's Pizza" is Lama Street. Turn right on Lama Street. Follow this winding, usually rough road 0.9 miles until it ends in a "T" on Gross Drive. You are now facing the clubhouse of the Riley Conservation Club. Turn left (east); go about 50 yards and use the east driveway which is on your right.
Here is the website for the Wabash Valley Practical Pistol Shooters
and the Riley Conservation Club


text:
Radiohead for Dogs. (The Bends) by. OJ Patterson
On the cusp of an improv show in Brentwood, Sylvan Productions (+Misha, Sammy Franco, Travis and I) ate hot dogs and developed a set list for the night. I didn't have much to contribute on the planning stages, I'm an improv infant, I just like to perform. On the side lines I start humming Radiohead's "Reckoner" and for whatever reason, it sounded like a dog howling. Rocky McGredy (of Sylvan) picked up on what I was doing and helped me finish the melody. We giggled hard for a full minute and extrapolated the concept to "Radiohead for Dogs".
Tags: art music Rocky Mcgredy OJ Patterson Sylvan Productions
Bay-Area, CA based comedy blog from Bay-Area, CA based comedian blogger. News, event reviews, room reviews, journals, highlights, videos, links, and anything else from the San Francisco/Bay-Area comedy community.
If you have any shows happening in the Bay-Area or photos or anything comedy related shoot it over to firstname.lastname@example.com
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text:
Oh, was this yours?
But don't tell no one, k?
And one for you, and one for you…
I will show you the dance of my people!
Don't mind me sir… just tagging along for the ride.
If I train hard enough, I'll be just like mommy…
Hold on… I'm invading a country…
Ham overload!


text:
To me, this seemed like a perfectly sensible way to shop for a woman's undergarments, but I kept silent.
This seemed as good a time as any to bring up the Miss Valvoline Factor.
"When do you know if lingerie is too ... much?" I asked Gillman and Fram. "You don't want to buy your wife something that looks like it belongs on a Miss Valvoline poster."
"I think you gotta know your wife," Gillman said.
"Once it becomes your wife and the mother of your kids, you kind of think of it differently than if it was your girlfriend," Fram said.
And yet ... there's always room for playfulness in a marriage, is there not? Conveniently, we had just arrived at a display that included chocolate body paint.
My feet began to sweat as I read the directions. (1. Light candles. 2. Open jar. 3. Offer paint brush. 4. Announce softly: "Dessert's on me.") But Gillman was immediately intrigued.
"Look," he said, "it's got this neat little brush. Oh, I love this! It's very -"
"Erotic," Fram said helpfully.
"Oh, yeah, this'll work," said Gillman.
A full hour after he first walked in the store, Ken Gillman was at the checkout counter, handing over his credit card.
He was going with the Cosabella chemise, the pink Nick & Nora PJs, the chocolate body-paint and a neat-looking book called "The Story of the Heart" by a local artist-and-writer team.
The bill came to $247.75. Gillman never blinked. Some guys, when they make up for a Super Bowl trip, they really make up for it.
I worried about this column spoiling the surprise for his wife on Valentine's Day. But he said that wouldn't be a problem, because his wife doesn't read the paper.
Ouch. And we had gotten along so well, too.


text:
I had Botox done on my forehead 3 months ago and that was painful and I didn't like the way it felt. But the results were extrememly noticable and I will do it again, just not as much. So I was really looking forward to having the Jevederm injections to help with the lines around my mouth. I did not have any numbing cream and the pain was nothing compared with the Botox. You feel the needle but that's it! I made sure that I massaged the area where the Juvederm was injected to help distribute the gel and smooth out any of the lumbs. I have a small bruise at one injection site where I had the deepest line..no big deal! I think I'm hooked!
Love It! - Orlando, FL
I had Botox done on my forehead 3 months ago and...
Was this review helpful?
Comments (6)
I am wondering if there are additional fees besides the cost per vial listed?
- Reply
I really want to fill in the little lines around my lips. I know it was a year ago but what a great price. Was that your total cost? Can you give your Dr name?
- Reply
Where did you have your done?
- Reply
Hello Britt :) I am in Orlando. Where did you have your done? Thank you.. Tami
- Reply
Not me Tami, I'm a RealSelf moderator. You actually want to talk to Oviedo. You could PM them and ask.
- Reply
Hi Oviedo,
Thanks for the review. I'm glad you had such a great experience, and now you are hooked, I love when that happens :) The info about massaging the gel is good for the community to know. Please keep us updated and if you have pictures to share that would be perfect for our community.
- Reply


text:
I was given this bowling ball from a friend who does amazing gazing balls out of a bowling ball. She was kind enough to supply me with tiles and a big ambition. This is stage one of grouting. It has to be done in stages due to the round surface and drying time and OH YEAH the fact that some tiles fall out while grouting.
- cornergarden posted this