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The High Cost of Modern Living
Published on - August 4th, 2010 (by J.D. Roth)
This is a guest post from Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the adviser for The Motley Fool's Rule Your Retirement service. He contributes one new article to Get Rich Slowly every two weeks.
With all the hullabaloo over the release of the iPhone 4 this summer, and having just paid my monthly service bill for my own iPhone (an older version, thank you very much), I thought now would be a good time to think about how much all our modern conveniences cost us.
First off, buying the new iPhone might have cost you an additional $500 on top of the actual price of the phone, if you were the silly person who paid that much to take Jordan Richardson's place in line on the day the iPhone 4 debuted, according to an Associated Press story. Richardson then paid someone farther back in line $200 for his/her spot, making a $300 profit — but he's still out that two hundred bucks because he couldn't wait! I bet Jordan and his patron — now that it's six weeks later, and a new iPhone 4 can be bought anywhere — wish they had that money back.
But even if you were so un-hip as to not wait in 11-hour long lines or pay people to move up, you are still paying a lot for that iPhone — or just about any other cell phone, for that matter. And by "you," I mean "me," since I have just such a gadget myself. Let's look at the numbers:
- My monthly bill came to $73. Multiply that by 12, and you get $876 a year. But that's not all!
- That bill was paid with after-tax money. Assuming I have a combined state and federal tax rate of 30%, I had to earn $1,251 — that's $876/(1 – 0.30), for those curious about the math — then hand over a chunk to Uncle Sam and Aunt Virginia (my state) to have enough after-tax dollars to pay the cell-phone bill.
I'm certainly not alone in spending that much; plenty people spend even more, and that's not including the cost of the phone itself. Given that the median household income in America is approximately $50,000 a year, it's safe to say that there are people who are spending 2% to 3% of their annual income for the privilege of checking their Facebook pages in the movie theater while I'm trying to figure out what the heck is going on during Inception. (OK, a cell phone does more than that. For example, it might also give you brain cancer.)
But wait — there's more!
Summon your inner grumpy old man
Cell phones are just one of the modern conveniences that we have come to think of as necessities. As Wall Street Journal columnist Jason Zweig wrote in his thought-provoking book, Your Money and Your Brain, "In 1957, the average American earned about $10,000 (adjusted for inflation) and lived without a dishwasher, clothes dryer, television, or air conditioner" — and more people reported being "very happy" than do now. All these conveniences involve monthly fees, up-front purchases, regular repairs, accessories — or all the above.
Besides not having to live in a shoebox and lick the road clean every morning (text version for those who can't watch video at work), kids today have all kinds of luxuries that weren't around 50 years ago. Here's some of the other Stuff that the past half-century has spawned to consume our money:
- Cable TV
- High-speed Internet
- Netflix
- Tiger Woods
- GPS devices
- Chocolate-covered ants
- The ShamWow!
- Computers, laptops, printers, monitors, keyboards, software, cables, mice, mice pads, speakers, and assorted USB-related doodads
- Mel Gibson
- Houses that are twice the average size of houses in the 1950s
- Satellite radio
- TVs the size of waterbeds (side note: let's bring back the waterbed!)
- e-Book readers and the books you have to buy for them, instead of getting books free from the library (can someone explain the allure of these things, because I don't get it)
- TiVo or other digital video recorders
- ATM fees
- Magazines profiting from the inability of Tiger Woods and Mel Gibson to control their anatomical apertures
- iPods or some other MP3 player
- Chocolate-covered scorpions
- Security and medical alert services
- Lobbyists
- Video game consoles and their $50 games
- Handheld video game devices and their $30 games
- The SlapChop!
- iRobot vacuum cleaners
- Summer camps galore (my kids and their friends attend more camps in a summer than I did during my entire childhood)
- Additional freezers and fridges in the garage (that dispense water and ice, to boot!)
- Little blue pills
- Chocolate-covered bacon [J.D.'s note: Darn-tootin', I'm trying this recipe!]
- Lottery tickets, which can be purchased online or through a recurring "subscription" ("Never miss a drawing! No waiting in line!")
- Multiple digital cameras and video recorders
- Hats of meat
- TVs and DVD players in cars
- Smoothies, Frappuccinos, Bloomin' Onions, Chia Pets (tastes sorta like parsley, or chicken)
- Child car seats and booster seats
- Prostitutes who bite your tongue (as hired by the guy who promotes the SlapChop and the ShamWow)!
- Books that explain what the heck was going on during Inception
- Gym memberships
- Children
- Chocolate-covered women
Not all these items are luxuries. Many enhance safety and productivity, and provide just the right combination of sweetness, crunchiness, and antennae-ness. Plus, since average household income has quintupled, we can afford more Stuff.
On the other hand, the list also demonstrates why some people might have trouble saving money. I often receive emails from readers who are in the second half of their working careers and yet have saved very little for retirement. A while back, I read a Washington Post article about a family that was struggling financially, including this description of their life: "The house is small, and the blare of Nickelodeon from the TV chokes the day." Of course, Nickelodeon can only be accessed by paying for cable TV (a luxury we finally succumbed to last January).
My point, dear reader, is that there is a current and future cost to the modern lifestyle. For every dollar we earn, we could rightfully ask: "Do I want to spend a dollar today and work longer, or do I want to spend a few dollars in the future (assuming some compound gowth), when I no longer have to work?"
For some purchases, we'd undoubtedly still spend the money today. However, others may be providing less current satisfaction than what that money could provide in the future. Just something to think about. I know I'll keep it in mind when my cell-phone service contract runs out this spring, and I evaluate whether the $1,251 I have to earn every year for it is worth the $102,609 I could have (assuming a 6% annual return and 3% inflation rate of the cost of cell service) 30 years from now.
This article is about Choices, Consumerism, Planning
The appeal of an ebook reader to me (I don't have one yet) is that I can put the huge number of PDFs I have (from academic papers to old D&D adventures) onto a portable device that reads much like a book (ie, NOT the iPhone).
Also, there apparently is development on the library front, although I haven't investigated it much. http://www.google.com/search?q=ebook+library
Great article! This is exactly the point I've been making when people complain that these days you can't live on a blue-collar income like you could in the 50′s. He did a great job of showing how our toys have become "necessities".
Yes, many public library systems now offer e-lending. I've checked out several already. It works just like paper books, only I don't have to drive to the library to get them!
Great article! Our "needs" have become more and more expensive. It's hard to break the cycle.
I always enjoy future value calculations when thinking about expenses that I think are outrageous. The monthly cell phone expense is something that bothers me and to think that some of my friends spend up to $200 a month is simply not logical, to me anyways.
I was thinking about this just the other day. With as far as we have come as an industrialized nation, life seems awfully complicated.
Our gadgets (and I have plenty…I'm a total geek) are supposed to make our lives easier. But perhaps they are making life more difficult?
Wow — those numbers really put things in perspective! I keep reading about how people can't afford to save for retirement. If you can't meet that 10% target, why spend 2-3% of your income on a phone?
As I briefly rely on a poor but free wireless signal, waiting for Verizon to send that darn modem, I WISH I had an iphone… or one of those little doohickeys that looks like a USB key that gives your computer internet by magic.
But yeah, the combination of monthly expense and the negatives to the ability to being able to check my email from anywhere have kept me from this technological advance. Someday we may give in. I have never regretted the purchase of the Garmin. but until then, you kids stay off my lawn.
p.s. The Chocolate covered bacon is DELICIOUS. Worth every penny. Of course, we got ours from a specialty place that sells to Whole Foods… Ah, modern life. Make sure the bacon is extra crispy and don't be shy with adding extra salt. The crisp salty crunch of the bacon contrasts perfectly with the sweet creaminess of the chocolate. And there's the meat + chocolate flavors aspect. Wunderbar.
On eReaders:
As long as you don't have a Kindle, you can check out books at the library (Amazon is in the business of selling books, it makes no sense for them to give you this feature). Go to overdrive.com to find out if its avaliable in your area.
To me, the appeal is that I can make the book fit my needs. For example, big text at the gym, regular text for regular reading. Also, its easier to fit in my purse than an actual book. Word lookup is a nice additon too.
Great post! I agree with everything you said. Where have our priorities gone? Instead of family, saving, and simplicity we concentrate on celebrity's lives, electronics, entertainment, and spending every last cent we earn. And we're all still unhappy. I'd say it's time to return to our roots. -Carrie
You know, when people do cell phone analysis it bugs me just a little. There are a few problems with the analysis in this article:
1. The assumption is that your iPhone is not replacing anything. First, what if you *need* a cell phone? You can get one that is cheaper than an iPhone but let us just assume that the INCREMENTAL cost is the cost of the data plan: $30/month. OK, so maybe you don't *need* a cell. Well, what about that landline in your house? It can cost you $30/month just for a dial tone in some areas. You could break even with a cheap cell. So what is the REAL cost? I would say, for the purpose of this analysis, the $30/mo. from above is more appropriate, not $73/mo.
2. Why are you taking taxes out? Yes, sometimes there is room left in your IRA or 401(k) (or equiv.) account for contributions but assuming that is a bit faulty.
SO, what we really end up at is $360/year (plus apps of course, which you didn't include) which is a chunk of change for sure, but nowhere near your stratospheric estimates.
Jake– the idea is how many additional hours would you need to work in order to get the equivalent amount of money.
I get that you're saying all of your spending is post-tax unless you can get a preferred savings vehicle. Most people with 401(k)s aren't contributing the max, and there's also 529 plans for folks expecting future education expenses and SEPAs for the self-employed… also HSAs… but you're right that for people with only IRA options they might have to take into account their debt and other savings options (and heck, sales tax if you have choices over which state to buy things from).
It is perfectly natural that we would devote more money to non-essentials as we become a richer people. There is nothing wrong with this. This is as it should be. These non-essentials enhance our lives in important ways. Why shouldn't we buy stuff we didn't buy in earlier days now that we are richer?
The problem is that the marketing skill of the people who sell us stuff has increased dramatically in recent decades while the skill of consumers to figure out what spending makes sense and what spending does not make sense is still back at the caveman level of sophistication. We need to throw out saving advice that made sense 50 years ago and that people continue repeating today because it has been repeated so often that people think it must be true and come up with new and better ways to save in an era in which we have more money and more attractive spending options.
The goal should be to spend when spending offers the greatest amount of life enhancement and to save when saving offers the greatest amount of life enhancement. We have more options today than ever before. That should be a plus. We have turned it into a minus by going with one-size-fits-all saving solutions in a world in which the case for spending is always made in more personal, more customized, and therefore more compelling terms.
The amount of money we spend on our cell phone bill truly pains me. All those taxes and mystery fees really grind my gears. Also – why is high speed internet linked to chocolate ants?
Minor nitpick regarding buying books for an e-reader instead of going to the library: you can borrow e-books from the library. At least, around here you can. Seems kind of weird, but somehow it works. You can "check out" the book online, download it to your e-reader (for free, of course), and it expires after 3 weeks.
I loved this article — which is not to say that I don't love the data plan on my cell phone just as much. What I take away is mindful spending. I like Dave Ramsey's phrase of "naming every dollar" and yeah, some of my dollars are named "phone" but none of them are named "cable". That's my trade off.
Getting beyond the e-reader tangent, I am not sure American households always spend their hard earned dollars consciously and purposefully. For example, my husband and I dutifully paid our Sprint/Nextel bill for quite a while, it was $135-$175 a month -we switched to a pay as you go phone with basic options and now typically pay between $25-50 a month. Another poignant example, an acquaintance shared that she has a friend who is in very real danger of having her condo foreclosed on -yet she seems powerless to cut non-essentials, and opines that she just has to have a professional manicure and pedicure.
I do not think that spending money is necessarily a bad thing if you are making substantial progress on your savings/investing goals -but there are so many families that struggle and live check to check because they want the appearance of wealth instead of the substance of it.
Yes, it was interesting to see all the cell phone cameras taking pictures of Michelle Obama as she served food at a soup kitchen. Even the homeless have phones!
18I'm not quite buying that argument that in 1957 the average American earned $10k adjusted for inflation. Something's not quite right about that statistic, and I'd welcome the opportunity to examine the original source. If the poverty level today is something like $20k, that's saying that in 1957, the average income was about half the poverty minimum.
A quick google for historic census data
shows that the median household income in 1957, which admittedly is not the same thing as average income but is important in context, was estimated at $5,000 annually. Furthermore, according to inflationdata.com, between Jan 1957 and Jan 2010, inflation has risen 685%. Therefore, median household income in 1957, inflation-adjusted to today's dollars, was $34,250. That does a much better job of passing the common sense test, don't you think?
From a more money-philosophy standpoint, it's important to remember that just because our grandparents didn't have all of these gadgets today doesn't necessarily mean that they wouldn't have wanted them. They're still people. Of course, in 1957 many families were going crazy to buy their first color TV, which at the time cost about $1,000 NOT INFLATION ADJUSTED, or roughly 20% of their household income. In today's dollars, that would be like a $50k/yr family spending $10,000 on a television set. This blog would go nuts! Many people here think that someone in 2010 buying a $500 LCD TV is outlandish, imagine a $10,000 one!
So, no, our grandparents didn't have i-Phones. But the also paid dearly for local telephone service, not to mention long-distance. And they subscribed to newspapers, which many i-Phone users can avoid. And they paid far more for alot of consumer staples than we do today. It's all about perspective.
I'm pretty sure that Mel Gibson and Tiger Woods had control of their anatomical APPENDAGES (a projecting part of a living organism with a distinct appearance and function) when they were visiting APERTURES (opening, hole).
Ouch! I'm feeling the conviction from this one. I had only a pre-paid cell phone for almost two years, but then jumped into an iPhone and went from paying about $50 a year to $70 per month. Toss in cable, home phone, water softener, and a car payment…so much wasted on things I don't really need.
Great list and a good reminder that some things we think are needs are really wants. This reminds me of the book The Progress Paradox – the basic point being that our world has progressed so much in the past couple generations, but no one is happier for it.
@Rob – I'd love to see a guest post explaining your theories that 50 year old saving advice doesn't work and what alternatives you suggest.
@Coley – the difference of course being that our grandparents saved for the TV and didn't use credit to buy it (and end up paying 3x what it originally costs thanks to interest).
My house was built in 1941. I still don't have a dishwasher or a smartphone.
My life is meaningless void of manual dishcare done under a cloud of telecommunicative inferiority.
I often wonder as I watch people from my work sit outside at break time what percent of their income is going off into the air? Some make as little as $9.50/hour, but:
- They have cell phones.
- Some smoke like crazy at $5/pack.
- They pay for tattoos and piercings.
- They sit in their car with the engine running.
- They buy expensive snacks from vending machines.
- They show up in the morning with Dunkin Donuts coffees.
Even estimating conservatively, I'd guess we're talking about $12/day. Maybe 10%-15% of their incomes. Crazy!
(Of course I'm sending a kid off to a $50,000 college in a few weeks, so who's crazy?!?)
(BTW, weren't children around in the 50″s? I'll bet my parents could have spoken to that one!)
24These rosy-colored glass blog posts about life "way back when" seem to concentrate on money … but not on time. Sure, with no dishwasher, washer/dryer, etc you aren't going to be saving money, but somebody still has to do the laundry and the dishes, and that takes time. I guess you either hired out or did it yourself. Or, more accurately the woman stayed home and the man went to work.
I'm also reasonably sure that the blogs (written on dead trees back then) talked about the high cost of modern living versus the gold old days of 1910, along with helpful tips for cutting spending like looking into using a party line for the phone rather than a dedicated line all for yourself. And getting toys for the kids used, and so on and so forth.
There's also been a whole heck of a lot of social progress since the 1950′s, too. I'd rather lived in today's screwed up world than the screwed up world of the 1950′s when everything unseemly was kept quiet.
"whether the $1,251 I have to earn every year for it is worth the $102,609 I could have (assuming a 6% annual return and 3% inflation rate of the cost of cell service) 30 years from now."
When I crunched these numbers, I came up with $145,954, not $102,609. If it were a small difference, I wouldn't bring it up, but that's a pretty big discrepancy (off by 42%). In my calculations, I "invested" $104.25/month ($1,251 divided by 12 months), earning 6% return, and increasing the monthly amount by 3% each December.
At first, I thought maybe it was because I was dollar-cost-averaging in every month, and maybe Robert calculated it as an annual contribution, but that doesn't fully account for the difference. Annual contributions result in a final total of $138,287.
Maybe Robert ran his calculations using the annual contributions of his after-tax figure of $876? Nope, that results in a final total of $96,834.
Maybe he used the after-tax figure, but with monthly contributions? Eureka! Now we're getting close: $102,203. Still off by $406, but that's negligible.
Anyway, it wasn't clear to me from Robert's description how he was calculating this figure. I don't think I was alone in assuming he was using the before-tax figure, since other commenters have attacked him for assuming there was room in our fictional iPhone-user's tax-sheltered accounts. Evidently, Robert didn't make that assumption, although a little clarification would have avoided the confusion.
I think the conclusion is that the economy is VERY strong and rebounding if people are buying all this stuff.
Furthermore, I think people have an inherit desire to help out the SF Bay Area economy as good citizens!
Buy more Apple products folks!
Best, Sam
What about the reduction in costs due to technology and modern life? For example, VOIP telephone service has brought the cost of phone service way down with long distance charges and sometimes even international calls to no additional cost.
I do agree with you though. We were just talking about this the other day. Products are being produced for the purpose of selling additional products. Look at the Swiffer Sweeper. Good, cheap mop/broom that seems like a good buy at the time until you have to buy all the replacement cleaning supplies like the disposable sheets and liquid spray.
By the way, I like e-books for the ability to cary all your books with you in one device. I also like to be able to highlight, take notes and reference back to the books at a later time. E-books provide this feature where books from the library can not be highlighted and must be returned. For a relatively inexpensive price for the books I can have them instantly, on one device with the ability to highlight. Works good for me.
I'm actually getting an iPhone4 very soon. My husband gets it for free since he's participating in a research project. He gets a Blackberry from work so no need to carry the iPhone, too. Before the iPhone I carried a Palm Treo (an early smart phone) also paid for through this project. But before that, when I paid for it, I carried a Virgin mobile prepay phone. It only made phone calls and only cost me $30 to purchase and $80/year for minutes that I never used up.
Now, don't get me wrong – I like the services of a smart phone. But mostly I just want a phone that…makes reliable phone calls. I'm not that pleased that I'm switching to the iPhone – its reportedly less reliable for making phone calls. Its strong on apps and other utilities, but I really don't use that stuff – I just dont' have time for that.
But I guess we all spend money frivolously on certain things. I sacrifice on certain technologies so I can splurge on other things (like tennis). Others might cut back on cable or something else to splurge on a cell phone. But you are right – having ALL the conveniences of the modern world would make just about anyone go broke.
"@Coley – the difference of course being that our grandparents saved for the TV and didn't use credit to buy it (and end up paying 3x what it originally costs thanks to interest)."
Kevin M.,
I'm certainly not one to recommend purchasing a TV on credit, but I'd rather credit-spend three times the $500 cost of today's LCD than make a cash payment of $10,000 for one in 1957.
If I had more time to play on Google, I'd like to do an inflation-adjusted comparison of the cost of telephone service in 1957, plus a reasonable amount of long-distance usage, plus a subscription to the NY Times versus the cost of an i-Phone today. I think it'd be alot closer than people imagine.
That being said, of course, many people pay for i-Phones and wi-fi at home, and still subscribe to newspapers, and so forth.
And no, I don't even own an i-Phone or any smart phone. I'm connected at work, I'm connected at home. I really don't want to be any more connected.
I think what affects our tendency to buy "modern" gadgets is the people we hang out with. We could have chosen to live in a neighborhood where "the Joneses" own expensive houses and cars, have the latest cell phones, send their kids to private school, and so forth. I think the pressure on our family (especially the kids) to feel bad for not having what the neighbors have would have been hard to deal with.
Instead, we chose a different neighborhood, where our spending is closer to average. Among our friends, everyone is making tradeoffs of housing vs. hobbies vs. experiences vs. education vs. savings vs. life balance, and is mostly willing to talk about it.
Although my dad made good money, he is a bit of a recovering tightwad and Luddite. We didn't have color TV in the house until 1980 or so (although we had cable!), and my dad used a push mower and we shoveled snow with shovels until I went to college (1985). I learned from the Master.
I'm always wary when someone talks about the good life "way back when". For one thing,as someone who remembers in 57, say, my parents were middle income folks just a few years out of college. They had a dishwasher, a real stove and a black and white tv. They were not rich by any means. But my mom wasnt washing clothes on a washrack. While I agree that the leaps and bounds of technology leave more opportunities for spending, it seems to me they also make more opportunities for saving money. I've been to two in theater movies in the past year,only because I thought they needed to be seen on the big screen, thanks to modern tv and netflix. The only postage I've spent on the past year is for real thank you notes, as most communication and billpaying can be done online. And mention of the cell phone ignores the fact that for many basic cell phones often replace landlines and long distance service. And I'm just not sure how Tiger Woods is a reason for me to spend my money, really!!!!!!!!!!
I am personally getting ready to ditch my satellite dish. I live in a rural area but now that I have reliable internet, I'm upgrading my internet service – which will cost me an extra $20 per month. But I'm dropping my $90/mo dish bill. A net savings of $70 a month that can go toward letting me out of the cube farm much earlier.
I laughed so hard I almost cried..lol. Mel Gibson and chocolate covered women…licking the road clean…that's just great stuff and a great article!
Thanks for the laugh and a good financial note this morning, you've made my day better =)
From a strictly environmental perspective, the constant drive for upgraded technology does much more harm than good. Yes, we save paper by using email, and cut down on plastic record albums (remember those?) and CD's by using MP3 players, and save some trees by using e-books. However, computers and all those related devices don't last long even if you're not a consummate upgrader. They break easily, crash, wear out and no longer meet speed requirements.
So all those plastic, chemical-laden, petroleum-based devices end up in landfills, while the demand for more increases production of new devices which become future environmental burdens.
There must be a happy medium in which we have these wonderful devices without the need to constantly replace them. As long as consumers are willing to pay big bucks for the latest tweak in upgrades, manufacturers will be happy to provide the goods, at any cost to the earth.
Some libraries have ebook databases containing books and periodicals. As long as your book isn't full of pretty pictures, ebooks are great (if you forked over the $ for an iPad even picture books are great).
Why do we pay so much money for imperfect technology? Specifically I'm referring to cell phones. Dropped calls, bad connections, crappy batteries, disposable phones. I'm glad my company pays for mine. I would never fork out the money for it.
I have a smartphone, and yes, it does cost a lot of money, but I feel like I get a lot for the money:
1. I don't have to pay for a landline.
2. I have free GPS navigation with turn-by-turn directions, so I don't have to buy a separate GPS device and can save time and money by finding the most efficient route.
3. I can listen to both mp3s and my own personal radio station through Pandora, so I don't have to buy CDs or satellite radio.
4. I can take photos on my 5 megapixel camera, so I don't have to buy a camera (but I did because I like taking photos nice enough to print and frame).
5. My phone has an alarm, so I don't need to buy an alarm clock.
6. My phone has GPS and free apps that can track my running (time, distance, pace, elevation) so I don't need to buy a fancy GPS running watch.
7. I downloaded a free ATM app so I can always find the nearest ATM for my bank and avoid fees.
8. My phone has a mileage app so I can know how many miles per gallon my car gets between fill-ups … and if it's time to inflate my tires, etc.
9. I downloaded a free "sleep sounds" app so I don't need to buy one of those sleep sound machines.
10. Because I also access my work email on my phone, my company partially reimburses me at a flat rate which (because I'm on a family plan with a 20% discount through my employer) more than covers my phone's share of the cell phone bill. My company wouldn't offer than reimbursement if I had a regular cell phone that did not access email, and they would charge me a small fee per pay period to use one of their smartphones to access my email remotely.
I spend a lot of money on my old 3G iPhone, but I justify it by doing a ton of work with it. I read the news, write blog entries, send business emails, post Craigslist ads, etc. I do have a few games on it, but I don't really use them much. I am constantly looking for new ways to take advantage of this expensive tool to keep it working for me. I also constantly try to find less expensive ways I could be getting the same work done (I've been considering transitioning to an Android with a cheaper plan).
I'm a freelancer who is constantly moving from place to place, so I have come to rely upon my iPhone to do work that I would otherwise be unable to do. Because of this 'toy', I get tons of work done on the train, on the street and in coffee shops everywhere while I'm in between job locations and meeting times. I don't drive, so the subway has become a bit of an office for me.
I'd like to think that, while I'm definitely one of those people who have become addicted to this little tool, I'm using it efficiently and not extravagantly. I would also like to think that there are others like me.
39At the end of the article, Robert wrote:
"For every dollar we earn, we could rightfully ask: 'Do I want to spend a dollar today and work longer, or do I want to spend a few dollars in the future (assuming some compound growth), when I no longer have to work?'"
This is, in its simplest form, the argument behind the wonderful book _Your Money or Your Life_ by Joe Dominguez and Vicki Robin. However, in order to be fully absorbed, it is necessary to follow their process of converting the dollars you spend into "life energy." Basically, you take your annual salary and immediately deduct 1/3 for taxes. Then, subtract out all expenses that are directly related to your going to work every day (e.g. lunch out, transportation, clothing costs, etc.). This is your real annual income — divide it by 52 to get a weekly figure. Then, you take the number of hours that your job actually takes up during the course of a week (include commuting, shopping for work clothes, etc.). Divide the first number (weekly income) by the second (weekly hours) in order to arrive at your REAL hourly income.
When you evaluate purchases, instead of just focusing on the dollar amount, instead think of it in terms of the number of hours of your life that it will take to pay for it. If your real, adjusted income is $10 per hour, and the latest techno gizmo costs $500, is it really worth 50 hours of your life ($500 / $10 per hour)? Thinking about all of these modern "conveniences" in this context helps to separate the wheat from the chaff — because unlike money, time is a resource that you can never get back once it is gone.
Also — @ Trina — excellent point regarding the ecological unsustainability of our current practices. Furthermore, just imagine how this damage multiplies when every upwardly-mobile Chinese or Indian desires these things that Americans have come to take as their birthright….
Talking specifically about the iphone (or other smartphones) – I for one do not understand the obsession with them; people are always showing the latest one off, but I just don't get it? If I need the ineternet, it is at home or in the office – the 2 places where I spend the majority of my day. I really don't need it anyplace else. I can definitely see the need for them for people that are on the road a lot for work. But other than that, what does one really need it for?
I pay a combined $40 for my husband & mine basic (free) cellphones. Even that seems too much to me really.
This was a good read and too appropriate for today… FedEx will be delivering my refurbished 3GS Iphone in the next hour or two.
I thought I'd never want nor be able to justify buying an Iphone, but it's come down to this… a need for a simpler life. I am hoping that it will replace the following:
-a dying Palm Zire
-a now dead landline (boo, Verizon, boo)
-a cell phone that has been flagging of late
It is a gadget and yes, the plan can cost but for me it could:
-save me carrying multiple items
-organize my contacts & multiple calendars in a way that they are much more accessible
-be my sole phone
-organize my post-it note insanity (trying Evernote)
-lower my texting bill (friends/coworkers texting me made my phone bill go way up– the switch should keep the cost flat)
-keep me in touch with my bandmates who live in other countries and use FB as a point of contact
I'm not writing this to justify an Iphone purchase and I know that's not the point of the article, but everyone has their version of a modern convenience that really does help them. I look at things that save me time and weigh them against the money that they will cost me. (Example: Cable would be a time and money suck for me, so I do not have it.) I guess it's all about modern conveniences helping or hindering and right now I'm hopeful that the 3GS will turn out to be very useful.
Lastly, I LOVED the list!!! Many of those things are money, time, intelligence and soul "sucks" (especially Woods and Gibson).
I agree with a lot on this. But there is a lot more that goes into the calculations. Where there is give there is take. I personally get books from the library, but I do like having books to refer to in my home. I have a small collection, but realize that I don't reference them very often. I guess if you're a book hoarder and buy books an ereader could save you money though. How? Sell the books you will never read again. Chances are you could buy the ereader with that money. Then what do you do with all of the space your books took up? Use it for something productive. Or, if you're single and not attached to the house or apartment move into a smaller space! You might be able to save a few bucks on rent or mortgage if the books move out…
I know it's extreme and – to many – not realistic to think that you're going to move out of a home because you got rid of books. I only use that as an extreme example. But I recently was at a friends house who has been reading a book a week – at least – for decades. She has books from floor to ceiling throughout her apartment. I would say at least 1,000 books. She is probably paying for an extra 100 sq. ft. of apartment just because of her books. Where I come from (the northeast) that's a lot of money (She probably pays $3,500 per month for her apartment – 100 sq. ft. less would probably have her at least $200 per month in rent). I hope she likes the books!
Why were Child car seats and Children added to the list.
Child car seats are for safety for the kids. I agree to all the other items on the list but not these two. Just wanted to know your point of view why these two were added.
It's always interesting to hear people list all the apps on their i-Phone and how much conveinence they bring.
Of course, the money that my wife and I save by not having i-Phones is almost enough to completely pay for the services of our semi-monthly housekeeper. I'm not aware of any i-Phone apps that scrub all your toilets, polish the floors, and clean the whole house from top to bottom twice a month, but for about the same amount of money, I think that's alot of conveinence.
But for many people, when I mention that we employ a housekeeper, they get this high-falutin' image in their heads, not even realizing they're texting away almost the same amount of money.
Despite the high cost of living, it is still popular.
I-phones? Haha. TRAC-PHONES.
$97 a year gets me 1000 to 1200 minutes if I buy it right with a bonus code.
That's < 8.25 a month, not $73.
With intelligent use, I can make 1000 minutes go 11-12 months.
Opportunity cost for Chocolate covered bacon: Well, for starters my husband's double bypass was over $120,000. Healthy arteries are the ultimate investment!
I added car seats as just an example of something we buy today that wasn't around decades ago (anyone my age remembers jumping around in the back of a station wagon with no thought of child seats, let alone seat belts). I don't mean that everything on the list is a waste of money, just that we have more stuff to buy.
And I added children as a joke. The Department of Agriculture (moo!) estimates that it costs $205,000 to $475,000 to raise a kid to age 17 (http://www.cnpp.usda.gov/Publications/CRC/crc2009.pdf). So they're not cheap. But I don't consider them luxuries (though they are choices).
Good post, Robert! I'm in agreement with most everything you wrote. Yet, I think you left something out, related to the opportunities we lose when we get hooked by modern conveniences like the iPhone. You inspired me to post about that: http://www.diamondcutlife.org/grabbing-back-our-lost-opportunities/
Really liked the article! Another thing we lose is quality time with friends and loved ones. I guess you could say sitting down for hours playing video games or surfing the net is quality time if hanging out with friends, but many times we are so consumed by the electronics I would not really classify it as quality time, not to mention the time not spent with family. The cost is also enormous when you really take it all into consideration as your article points out. When I was younger I remember bike tag or kick the can with tons of neighbor hood kids all running around outside. No electronics, guess I am showing my age


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Herring at Tre Kronor (Especially at Julbord)
For the past several Decembers, we've made a tradition out of attending the annual julbord, or Christmas buffet, at Tre Kronor, on Chicago's Northwest Side. The Swedish restaurant turns itself into a Christmas jewel box, offering two seatings every night at 5:30 p.m. and 8:30 p.m. (except Sundays) and lays out the largest spread of Swedish fare I've seen outside of Stockholm. The centerpiece: a dozen types of herring, with flavors ranging from curry to dill. In an era where the experts tell us how important the small, oily fish are – both on the environment and our health – I love that the fraternity of herring, mackerel and anchovy are now considered the cool kids. There are plenty of other surprises on the julbord, including a nip of glögg to start things off, followed by deviled eggs, gravlax and a cream-laden potato dish called Jansson's Temptation that still haunts me. Servers don traditional white dresses, and sing folk songs while you nibble from the dessert table. Note: the main floor only has seatings on Fridays and Saturdays this month, but the upstairs has two seatings every night (except Sunday). Go to Brown Paper Tickets to sign up. But hurry!
They don't advertise or tell anyone about these special dinners, as word-of-mouth pretty much fills every chair at every seating. Many years ago we sat next to Studs Terkel; who knows who'll show up this time around. If you haven't been, don't worry. They sell herring throughout the year (although the dozen-plus varieties only show up during the julbord). Big thanks and shout-out to Todd Rosenberg (@toddrphoto) for the fine camera work this week.
Pork Neck Salad at Aroy
I've often sung the praises of the mango with sticky rice or the som tom (papaya salad) at Aroy, which, coincidentally and appropriately, is translated as "delicious." The tiny mom-and-pop only has only about 12 tables, but their old-school approach could rival any Thai restaurant in the country, including the revered Pok Pok, now wowing New York City food media from its perch in Brooklyn.
The thing I love about Aroy is that they don't hold back. The food doesn't feel restrained, as if they're cooking for delegates to a Southern Living convention and don't want to offend or scare off anyone. They cook as if you're their long, lost uncle from Isaan, and they make no apologies. When you tell them you want it "Thai spice," they deliver the goods. The same is true with their pork neck salad. Made from marinated and grilled pork that would be fine on its own, they toss it in a powder, made from wok-seared and pulverized sticky rice, galangal (young ginger) and kaffir lime leaf. I could eat this dish all by itself and be happy that I made the trip to Ravenswood. But obviously, I'm ordering mango with sticky rice if it's in season.
Doughnuts from Glazed & Infused
Chicago has been swept up in the doughnut craze the past year or so, and Glazed & Infused seems poised to be taking control of market share. They've already established their beachhead on Fulton Market, but now are opening up satellite stores in various neighborhoods, even taking up some space in the back of owner Scott Harris' Francesca's Forno in Bucktown (where a Doughnut Throwdown will take place on a daily base once Stan's Doughnuts opens across Damen) and also next to the new Davanti Enoteca in River North. I have to say, I'm still either a basic yeasty glazed kind of guy, or a simple, cakey old fashioned, but I do admire their maple bacon long johns and more creative filled doughnuts like creme brûlée. (Kudos and thanks to Todd Rosenberg – @toddrphoto – for the beautiful HD quality video).
Meatball Sandwich at Publican Quality Meats
Don't just think of Publican Quality Meats as a butcher shop. True, they have a beguiling assortment of aged meat, high-quality cheese and imported goods. But there are also several great sandwiches at PQM. I instantly fell in love with the tuna muffaletta, but like so many great things, they can be fleeting. The meatball sandwich has been a staple at PQM for some time, however, and even though they're not using the housemade bread for it (it's more of a lobster roll-style bun they source elsewhere), the combo of the spicy Spanish tomato sauce and the sharpness of peppers and fresh mint makes this a meaty, messy, satisfying lunch.
Neapolitan Pizza at Panino's Pizzaiolo
Neapolitan pizzas have been taking over Chicago recently, kind of like Middle Eastern falafel joints, fried chicken shacks and BBQ houses. But the best of the bunch is certainly Panino's Pizzaiolo - although I've also loved the pies at Forno Rosso, on the far western edge of the city, on Harlem Ave. Say all you want about Nella's in Lincoln Park (I was just there), the crust (and by that I mean the yeast starter) at Panino's is far superior, resulting in a chewy, complex dough with just the right amount of salt. A combination of longer fermentation and a hot oven – plus the addition of fior di latte cheese and San Marzano tomatoes – make this Neapolitan one for the ages. Mangia!
Biscuits at Bang Bang Pie Shop
They're known for their pies, obviously, but Bang Bang Pie Shop in Logan Square is also rightly beloved for its biscuits. Unlike the pie crusts (which have lard in them) they stick to butter for the biscuits. But oh, how their heft and density boggle the mind. I could eat these everyday for breakfast, with a simple jam or marmalade, or better yet, one of the half-dozen butters or seasonal preserves they make in-house everyday. Bonus: they just started selling breakfast sandwiches featuring their candied bacon, eggs and sausage, so if you're anywhere near Logan Square in the morning, you've got to stop by and try one.

subset: commoncrawl


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Home :: Brands :: Kaleen By Paula Deen
Paula Deen Accents
Paula Deen Accents are cool, comfortable and fun. They are durable and machine washable. Ideal for indoor or outdoor, kitchen, bath, entry way or anywhere!
Paula Deen Accents are very durable, fade and mildew resistant with a special patented barber pole construction that minimizes picks and pulls. These rugs come complete with a rubber backing for slip resistance. No rug pad is needed.
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Oh my! These were best while still warm, but so yummy even after a day when the flavors had a chance to blend. I used currants instead of raisins because that is what I had, and they were just fine. I also made half of the glaze with maple syrup instead of rum. This was almost as good but I liked the rum glaze better. If you choose to make the maple glaze, use it as quickly as possible because it will set, unlike the rum glaze.
Rum-Glazed Sweet Potato Cakes
RSK2012 Posted: 11/11/12
Daily Specials


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Tobradex ST
Rehabilitation Helps Prevent Depression from Age-related Vision Loss »
"Depression is a common risk for people who have lost their vision from age-related macular degeneration (AMD), but a new study shows that a type of rehabilitation therapy can cut this risk in half. The study was funded by the National Eye Institu"...
Read the Rehabilitation Helps Prevent Depression from Age-related Vision Loss article »
Tobradex ST
Storage and Handling
Patients should be instructed to store the bottle upright and away from light. Shake well before using.
Avoid Contamination
Patients should be instructed not to touch dropper tip to any surface, as this may contaminate the contents.
Contact Lens Wear
Contact lenses should not be worn during the use of this product.
Last reviewed on RxList: 9/7/2010
This monograph has been modified to include the generic and brand name in many instances.
Tobradex ST FDA Prescribing Information
Additional Tobradex ST Information
Tobradex ST - User Reviews
Tobradex ST User Reviews
Now you can gain knowledge and insight about a drug treatment with Patient Discussions.
Here is a collection of user reviews for the medication Tobradex ST sorted by most helpful.
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Welcome to GAK Photography
Welcome to GAK Photography where we provide a wide range of bespoke photography services for your organisation. If you would like to represent your organisation online through images or graphics, showcase your product portfolio, or require high quality images for internal use or marketing GAK Photography can build a bespoke package to meet your requirements. We have experience working with the voluntary sector, social enterprises and public and private sectors.
We understand that organisations are individual and are at different stages of development. GAK Photography is flexible in working with customers, working to specific briefs, broad guidelines or in creating a new concept. We believe that a professional feel should be reflected in all materials and contribute to the strengthening of the overall brand.
Have a look at our Portfolio for samples of our work and explore our services page for details on our packages. If you would like an initial consultation please contact us to arrange a meeting.


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By Samhain On Jan 3 2012, 5:18 pm
What's New in eBook at Samhain!
Romance, Action, Paranormal + Horror!
Publication Date: January 3, 2012
She gave up stripping to go legit…until three Kiowa cowboys bring on the down-and-dirty.
Ugly Stick Saloon, Book 1
Jackson Gray Wolf is turning thirty, and what does he have to show for it? A ranch. No wife, no kids, no dates. He's had his eye on the pretty owner of the Ugly Stick Saloon, but their one accidental encounter was interrupted before he could get her out of her take-me-now red cowboy boots.
Jackson didn't want the birthday bash his twin brothers are throwing him, but his vow to ignore the rented stripper goes awry when she shows him exactly how far she's willing to go–for all three of them.
Audrey can't forget the sizzling heat between her and one sexy Kiowa in particular. Jackson. Trouble is, she's not sure if he wants the bold, brassy Kiki, or if he's ready for the wounded woman underneath.
Product Warnings: This title contains hot scenes with multiple partners, with a little BDSM on the side. Caution–it could melt your e-reader!
Read an excerpt and BUY at Samhain!
Fight alone, die alone.
Blaze of Glory, Book 2
In the weeks since Jo "Surf" Tanis and her rough-and-tumble band of super-powered actors broke free of the government-sponsored superhero show, they're all still dealing with the aftershock of adjusting to this thing called reality.
It seems one of the supers, an earth-warper named Ground Pounder, has gone rogue, using his freedom from the Agency's brand of virtual slavery to put the "villain" back in supervillain. Failure to find him before any more innocent bystanders are hurt means the team could be back under the Agency's thumb.
It's a burden that doesn't rest easy on Jo's shoulders…especially when the man who's invaded her heart is caught in the crossfire.
Product Warnings: Contains kick-ass super women, super men and a budding romance ready to go into orbit. Also, gambling and Las Vegas buffets!
When hell reigns on earth, love is a luxury they can't afford.
Children of the Undying, Book 2
While the tattered remains of humanity huddle underground, hiding in their virtual world, Devi prefers living topside, making dangerous hauls through the demon-infested wasteland earth has become. The wealth that comes from smuggling supplies to those shunned as summoner-born or demon-touched doesn't hurt, either.
Zel's first look at the wild-haired hauler threatens to distract him from his mission–and reminds him just how long it's been since he got laid. As the leader of an outcast settlement, he can't afford to trust too easily. Devi's got a reputation for running a tight, disciplined crew, but her very willingness to deal with him means she has something to hide.
Not to mention a hot, tempting package like her could be the cleverest trap his enemies have ever set.
Product Warnings: Contains demon bars, virtual (and literal) fights to the death, forbidden love, renegade AIs, a badass truck-driving heroine who will do anything to protect her crew and the half-demon warrior who will move heaven and hell to make her his.
Read an excerpt and BUY at Samhain!
Will his boyfriend's girlfriend become his girlfriend too?
Powertools, Book 4
James has watched each of the crew fall in love, one by one, until only he and his life partner Neil remain "unattached". So, when he sees the way his bisexual boyfriend is checking out their new apprentice, he's sure he's doomed to lose the man of his dreams.
Product Warnings: The world's first m/f/m/f/m/f/m/m/f…we think. You never know exactly what's going to happen next when the crew gets back together, but it's guaranteed to be steamy.
Love's compass is never wrong–even when it points in two different directions.
Tooth and Claw, Book 1
After pleading his case to his wolf clan's Elders, Levi is granted the right to bond with Ian, his male human lover, on one condition: they must spend one year apart. Then Levi must use only their spiritual connection to find Ian, or the deal is off.
The agony of separation was too much for Ian. In a moment of weakness, he reached out–to a vampire. Now he's a vampire himself, and Levi's devastation–and rejection–is like a stake to his heart. But it's nothing compared to the fury of the clan that wants Ian brought to justice for desecrating their most sacred ritual.
Afraid for Ian's safety, Levi puts the pain aside and races to get to Ian first, but he faces unexpected competition: Darius, Ian's maker. When they come together, all hell breaks loose, Ian is on the run…and the only way Levi and Darius can save the man they love is work together.
If they don't kill each other first.
Product Warnings: Contains two vampires and a werewolf who really, really, really want to hate each other. Except when they want each other. And have violent, sweaty, angry sex with each other. But they still hate each other. Mostly.
What's New in Horror at Samhain!
Publication Date: January 3, 2012
Seize the day. Survive the night.
They say if something looks too good to be true, it probably is. But folks across the country are desperate. Jobs are hard to find these days. So when the small town of Babylon offers work and even low rent at the local hotel, no one wants to look too closely. But they should. Babylon wants more than a workforce. Much more. There's something horrible behind the friendly smiles of the townspeople. Unfortunately, by the time the unlucky visitors realize that, it's too late. The trap has sprung. No one gets out of Babylon…alive.
They can control people's minds. What happens when they can't control themselves?
Three brothers. One rare and terrifying ability: they can control people's minds. Robert considers it a gift–he's used the power to set off on a successful career. For Peter, it's been a curse. He couldn't adjust and turned to drugs, a broken man. And Gabriel… he took yet another path. He sees the full potential. He embraces the evil. As he travels the globe, no one in his path is safe. He's about to unleash his ultimate plan, but first he needs to destroy the only ones who might stand in his way. His brothers.
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By Samhain On Dec 20 2011, 8:00 am
Give the Gift of Great Books! http://www.samhainpublishing.com/ What's New in eBook at Samhain! Publication Date: December 20, 2011 http://store.samhainpublishing.com/new_release.php Heart of Flame by Janine Ashbless Genre: Fantasy Length: Novel, ISBN: 978-1-60928-752-8 Price: $5.50 Limited time sale-priced for $3.85 And on the One-Thousand-and-Second night, Scheherazade told this story… By day, Taqla uses her [...]
By Samhain On Dec 13 2011, 2:19 pm
New eBooks Available Today! http://www.samhainpublishing.com/ RETRO ROMANCES ARE HERE! Publication Date: December 13, 2011 http://www.samhainpublishing.com/retro-romance.htm Heavenly Match by Sharon DeVita Genre: Retro Contemporary Length: Category ISBN: 978-1-60928-909-6, Series: Heartwarming Love and Laughter Price: $2.99 Limited time sale-priced for $2.09 Blind dates are always destined to end in failure…right? When Molly Maguire's sweet, [...]
By Samhain On Nov 29 2011, 8:00 am
'Tis the Season for Fabulous Reading at Samhain! http://www.samhainpublishing.com/ Give the Gift of Great Books! What's New in eBook at Samhain! Publication Date: November 29, 2011 http://store.samhainpublishing.com/new_release.php Secret Santa by Sierra Dean Genre: Urban Fantasy, Shape-shifters, Vampires, Holidays Length: Novella, ISBN: 978-1-60928-635-4, Series: Secret McQueen Price: $3.50 Limited time sale-priced for $2.45 [...]
By Samhain On Aug 30 2011, 8:00 am
Dive into Samhain's New eBooks on SALE ~ 30% off Every Week! http://www.samhainpublishing.com/ Have questions? Check out the FAQS page! Publication Date: August 30, 2011 Once and Again by Lauren Dane Genre: Contemporary Length: Category, ISBN: 978-1-60928-520-3, Series: Petal, Georgia Price: $4.50 Limited time sale-priced for $3.15 This time, he plans to [...]
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Home Depot hammers the little guy, again
In regard to your article about the hot dog stands at Home Depot ("Home Depot tells owners of hot dog stands to relocate," May 17), I am appalled that the Big Box Bully would crush a small business owner in this environment. To throw out a long-time vendor that brings a nice added touch to this behemoth is unfathomable to me and should anger all small business owners especially the small businesses that use Home Depot for their own livelihood.
May 21, 2013


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This website is designed to help SLU students and alumni find employment. Here, you can find tips and tools that will hopefully make your transition from studies to working life go more smoothly.
As an employer, this website can be used as a channel for exciting and inspiring collaboration. It facilitates opportunities for you to make contact with students, distribute information about your workplace and raise your recruitment profile.
Through this website, university employees can find up-to-date information about the current and future labour market that our graduates will soon be entering, as well as examples of how SLU integrates the industry and public sector into our programmes.
SLU Career is a university-funded department and a great resource to all of SLU' students, staff and alumni.
Now you have the opportunity to watch the seminar and learn more about Harry's work. The seimnar is based on the book "Networking and developing international projects" written by Harry J. Blokhuis.
Watch the whole seminar here.
Professor Harry Blokhuis
Try our CV review service. Read more about how to do and get some tips and ideas for your CV and your application.
Drivhuset helps students to move forward in the process from realisation of ideas to actual business enterprise.
Read more about Drivhuset and the service they offer you as a student at SLU.
SLU, the Swedish University of Agricultural Sciences, has its main locations in Alnarp, Skara, Umeå and Uppsala.Tel: +46 18-67 10 00 • Fax: +46 18-67 20 00 • VAT nr: SE202100281701 • firstname.lastname@example.com


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property bond
bond with property as collateral a bond for which real estate is collateral
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bond with property as collateral a bond for which real estate is collateral
Sears has disclosed that it created a "separate, wholly owned, bankruptcy-remote subsidiary"—essentially a company within a company. Called KCD IP (for Kenmore, Craftsman, DieHard, intellectual property), the entity issued US$1.8 billion worth of bonds backed by the intellectual property of Sears
By Kelvin King
Increasing competition and record property and casualty (P&C) insurance claims reported by global players in recent years (Comité Européen des Assurances, 2010) have generated remarkable pressure on the financial stability of P&C divisions within insurance firms, leading to increased technical reserves and higher capital requirements
By Giorgio Consigli, Massimo di Tria
To put some color on this, since the Lehman Brothers crisis in September 2008, 50% of all new debt issuance has been as secured high-yield bonds, which means that the bond is backed by assets of one sort of another, be they security against property, cash flows, or whatever. The historic position
By Shahzada Omar Saeed
Section 351 prohibits the making or offering of a purchase or sale of a security, commodity, debt, property, options, bonds, etc., without intending a bona fide purchase or sale of the security, commodity, debt, property, options, bonds, etc. If you think that sounds exactly like a naked credit
By Eric R. Dinallo
Definitions of 'property bond' and meaning of 'property bond' are from the book publication, QFINANCE – The Ultimate Resource, © 2009 Bloomsbury Information Ltd. Find definitions for 'property bond' and other financial terms with our online QFINANCE Financial Dictionary.


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The 18th annual Arts on the River event was very successful on Oct. 19 despite overcast weather. Several people showed up to see what the artists had to offer.
Organizers say it's a great way to keep residents from having to travel to see great art, when it can be found right in our own backyard.
Visitors and artists were also able to enjoy music and other entertainment that day.
For more information about Arts on the River visit their website here.
ALSO: The 18th annual Arts on the River!
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Cedarburg is a small suburb about 20 miles north of Milwaukee. The town is noted for its tourism industry, and prides itself on century-old buildings and small businesses. The community benefits from many parks as well as a general attempt to preserve green space, even in the downtown area. There is a strong sense of civic participation and community pride, which serves to make the city and surrounding countryside constantly more beautiful. Cedarburg is a booming tourist community. The main street is lined with historic buildings occupied by independent businesses. Many of the businesses are small shops specializing in arts and crafts. Some notable businesses include a family-owned jeweler, Hoffman's Meat Market, several small coffee houses, Amy's Candy Kitchen (and other candy shops), and many resturaunts. The Rivoli, an historic single-screen theater is located in the center of the city. -- Source: Wikipedia.com
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text:
Photographer's Note
a colourful park in Kadikoy Istanbul
I upload 3D(Stereo pairs) photo to bring a sense of depth to photo.
I upload 2D photo to see wider and detailed view of 3D photo.
"How to see 3D photos" info is in my profile page.
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Photo Information
- Copyright: Ozkan Kalkan (istanbulphotos) (17)
- Genre: Places
- Medium: Color
- Date Taken: 2014-03-23
- Categories: Daily Life
- Photo Version: Original Version
- Date Submitted: 2014-04-09 3:25
Viewed: 293
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text:
More Information About Basel Travel
KAYAK searches hundreds of sites to find the cheapest flights to Basel (Switzerland). Get the best price for your airline ticket to Basel! Here's how it works. Search KAYAK for a flight to Basel. Sort, filter, and compare results on one web page. Then book your flight ticket direct on the airline or travel agent site of your choice!
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text:
Criteria for admission to the Center for Senior Mental Health include:
n Patient's age should be 55 years or older
n A patient must be either a danger to self or others, or gravely disabled
n Patients can only be admitted under a psychiatric diagnosis
n As a County Designated hospital, we are trained to handle 5150 and 5250 legal holds
Patients eligible for Inpatient Services usually, but not always, experience several of the following symptoms:
n Attempts or threats of suicide
n Loss of interest in regular activities
n Changes in sleeping patterns
n Confusion, disorientation, memory changes
n Inability to care for self or home
n Abrupt changes in behavior
n Isolation and withdrawal from friends and family
n Inability to concentrate, sudden decrease in intellectual functioning
n Expresses feelings of helplessness and/or hopelessness
n Seeing or hearing things that no one else sees or hears
n Impaired understanding of reality
n Abuse of drugs, medications or alcohol
n Difficulty with impulse control
n Decrease in energy level
n Increased or decreased appetite
n Uncharacteristic anger, irritability or agitation
n Extended and extreme grief over a loss
Medical parameters for admission include, but are not limited to:
n Patient has no communicable disease requiring isolation or nursing precautions other than standard precautions.
n Patient has no active drainage sites capable of spreading infection. We evaluate each client on a case by case basis to determine if we can meet the need of the client.
n Seizures are generally under control.


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KALAMAZOO (WKZO) -- The election is over. Now, it is time to remove all those political lawn signs.
In Kalamazoo, they give residents a little time to take care of it.
"They are allowed to stay up to 30 days following the election," City of Kalamazoo Zoning Inspector Bobby Durkee tells WKZO.
An ordinance in Kalamazoo provides for that time frame, though Durkee said they do not usually have to work overtime enforcing it.
"We find, typically, it's usually within a few days they go away," he said.
Often, campaigns organize to pick up the signs as part of their regular post-election activities.
Dave Palowski of the Kalamazoo County Democratic Party tells WKZO residents can drop off their political signs at their office, located at 3254 South Westnedge in Kalamazoo.
They will recycle the wire and return the sign to the appropriate candidate.


text:
|Fan Fiction
|United States
|Member Since
|Jul 12, 2012
|Votes Received
http://fanfiction95.tumblr.com/ Follow me on Tumblr! I follow back! Currently: Just posted Ch.16! x Hey guys! My name's Kelsey, and I am new to Wattpad. I've never written any stories outside of school, so any advice is more than welcome. If you are looking for a fan, just let me know! Fan for Fan Read for Read Comment for Comment Vote for Vote My Goals: [X] Reach 5 Fans [X] Reach 10 Fans [X] Reach 15 Fans [X] Reach 25 Fans [ ] Reach 50 Fans [ ] Reach 100 Fans Thanks for your support everyone! xx
One Direction Fan Fiction: Not Always Fun and GamesTaylor was on her way to her first year at college when a cheery girl named Erin sits next to her on the plane. The two start talking an... read more


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"Here's some stuff. Entertain yourself." Walt Disney World. Present day
Corporations do surveys all the time. It's nothing new. A survey helped convince Coca Cola to change its formula in the early eighties. It backfired big time. Recently I saw an Imagineer for WDW say that surveys had convinced them that guests wanted more interactivity in the parks. So, they obliged. Boy, did they ever. Almost every new addition at WDW has some form of interactivity, if not based entirely around that idea. Consider Pirates Adventure, Enchanted Tales w/ Belle, Sorcerers of the MK, the new queue at Haunted Mansion, and now even Mickey can talk to you. These are examples just in one park. My point is not that these are poor attractions or experiences. My point is this is a complete deviation from what made WDW so successful. None of the classic attractions required or even wanted you to participate. They showed you new and fantastic worlds. There is a bright spot in my opinion. Mystic Manor is in Hong Kong Disneyland. It's not based on a franchise and it doesn't ask you to be a part of it. Using current technology it transports you to a magical world. Maybe there is hope for people who just want to be entertained.


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Saturday - 1/19/2013, 4:41pm EST
SPENCER, N.C. (AP) - Police in North Carolina say the death toll has risen to five after an SUV carrying nine people crashed into a tree. Four children also were hurt.
Police in the Rowan County town of Spencer said Saturday the driver of the GMC Envoy and four passengers were killed in the wreck Friday night. Spencer is about 50 miles northeast of Charlotte.
Authorities identified the driver as 28-year-old Angela Monique Dunlap of Spencer. Also killed were 25-year-old Sean Jacobs and 4-year-old Karizma Sexton, who shared the same Salisbury address; and 10-year-old Daja Cathcart and 45-year-old Vincent McNeal of Salisbury.
Three other children were being treated at a Winston-Salem hospital. A 10-year-old boy suffered minor injuries.
(Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)


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Engraved Anniversary Photo Frame
Cathleen C.
(Chicago, IL) - August 8, 2011 (
See all reviews by this customer
I was searching for a personalized 50th Anniversary gift for my cousin.I found the Anniversary Memories Photo Frame which offered several beautiful phrases to choose from or I could write something in my own words.It was the perfect gift,something I knew they would treasure.I was able to order the product on a rush shipping basis. My order was delivered within 2 business days.The product and services offered through Personalization Mall are outstanding. I will check here first before looking anywhere else for future purchases.
Beautiful Frame
Nancy D.
(Jackson, NJ) - August 7, 2011 (
See all reviews by this customer
I purchased the Anniversary Memory Frame for my aunt & uncle for their 50th Wedding Anniversary. The ordering was quick and delivery was even quicker. I purchased the item on Tuesday evening and it was delivered on Friday of that same week. As luck would have it, I live in New Jersey and they live in Ohio, at the last minute I decided to pay them a visit that same week and I was able to see my purchase first hand. The gift wrap was beautiful just as described and the frame itself was beyond my expectations. My aunt & uncle really enjoyed receiving such a beautiful piece, they can't wait to have a picture added to the frame.
What a beautiful anniversary frame!
(Tamarac, FL) - August 1, 2011
I ordered the Anniversary Memories Personalized Frame for my brother-in-law and sister-in-law for their 25th wedding anniversary. What a beautiful anniversary frame! It's very elegant and also is a wonderful memory showpiece. The recipients just loved it! I would definitely order this item again.
50th Golden Anniversary
Cora H.
(Grand Prairie, TX) - August 1, 2011 (
See all reviews by this customer
The frame is absolutely gorgeous and we will be proud to give it to our parents on their 50th Golden Wedding Anniversary. Thank you for doing a good job and for making part of our event a special one.
Very fast and high quality!
Jennifer F.
(St. Paul, MN) - July 25, 2011 (
See all reviews by this customer
I received my order in only a couple of days and am very pleased with the high quality of the product. I will definately order again!
great price, quick delivery, I'll shop here again
steve M.
(Raleigh, NC) - July 24, 2011 (
See all reviews by this customer
I looked for over an hour at numerous web sites and when I came here I found exactly the item I wanted and was done in ten minutes. this was on a Friday. THEN on the next Wednesday a package arrived and I wondered, what is this. and it was the picture frame I ordered. Fantastic place all around and a wide selection.
thank you.
Steve M. 7-24-2011
(Naperville, IL) - July 20, 2011
At the last minute I was searching for the right gift for a 40th anniversary. I ordered the personalized frame and it was shipped quickly and the greatest gift! It arrived in beautiful condition and I was impressed! The anniversary couple loved the personalization and their picture I took the evening of their 40th anniversary party and inserted into the frame. What a clever and meaningful gift. Thanks for making my shopping for this event EASY!
Distance gift giving
Linda T.
(Canada) - July 10, 2011 (
See all reviews by this customer
I have not seen this myself because I had it shipped to my niece to be presented to my sister & brother-in-law on their anniversay. She has told me that it looked very nice.
Need too fix
(Wooster, OH) - June 21, 2011
The personalized frame is nice but you have to have a dark background to see it. Maybe you need to offer a colored background on it so you can see the wording easyer. Thanks
Reneigh C.
(Oglethorpe, GA) - June 18, 2011 (
See all reviews by this customer
I needed a special gift for a very special couple and this personalized gift exceeded my expectations! I was sceptical about the quality because when I ordered this item it was going to be shipped within a few days!I thought oh may gosh, how could this be. Not only did I receive it in a timely manner, but I was really pleased at how beautiful it turned out!
Special anniversary gift
(Gualala, CA) - June 6, 2011
I wanted something special and lasting for very dear friends who are celebrating their 50th wedding anniversary. The frame arrived just as described, well-packed, and lightening fast delivery even with personalized monogramming. I highly recommend this item and this company. It's easy to slip a 4x6 photo into the photo slot on the back of the frame. My only complaint is that the photo slot is made of heavy paper which eventually could rip if photos are exchanged, and looks a bit cheap. A velvet covered slot would have been perfect. Otherwise, the frame, monogramming and service are top-notch.
Dazzling Keepsake
(Allegan, MI) - May 20, 2011
It is very rewarding to be able to find fitting gifts that can be personalized for anyone for any occassion.
Lovely gift for parents Anniv.
Betty B.
(Salem, OR) - May 19, 2011 (
See all reviews by this customer
Arrived quickly and exactly as described. Bought for parents 55th Anniv. They were both thrilled and very appreciative. Inserted a favorite photo and now have a lasting memory of their special Anniv.
25th Wedding Anniversary
kathryn G.
(fairfield, VA) - May 16, 2011 (
See all reviews by this customer
After searching numerous stores I went on the internet and found at Personalization exactly what I wanted. The quality was excellent and will make a perfect gift for special people.
Love it
(Newark, NJ) - May 2, 2011
Very satisfied with this product. Excellent quality.
Very nice :)
Marlo D.
(Palm Coast , FL) - April 17, 2011 (
See all reviews by this customer
I am very pleased with this item. I did wonder how to upload my own photo, but realized you insert photo when you get the item :)..
anniversary memories personalized frame
Mark G.
(Montgomery, NY) - April 16, 2011 (
See all reviews by this customer
Item was delivered as previewed. Looks great. Fast shipping
Anniversary Frame
(Indianapolis, IN) - April 15, 2011
The frame looked great. The reason I didn't rate 5 stars is because of the gold around the picture part. I REALLY would have prefered silver. IT looked bright and a little tacky. Other than that i loved it. The gift was loved upon presentation. The engraving was nice and easy to read.
Gary F.
(Lawton, OK) - April 2, 2011 (
See all reviews by this customer
This frame turned out beautiful. I was very happy with my order and will order again in the future. Thanks so much!
Nice anniversary plaque
Robert T.
(Fairport, NY) - April 2, 2011 (
See all reviews by this customer
I surprised my wife with this on our 10th wedding anniversary and she absolutely loved it! It holds a regular 4x6 vertical picture too. For the money, this item is surly a home run!
anniversary personalized frame
Carol C.
(Secaucus, NJ) - March 28, 2011 (
See all reviews by this customer
The picture frame is gorgeous and makes such a memorable gift for such a special event in married life. Also, the people at personalization mall are the nicest most cooperative people to do business with. My frame arrived broken; I was so upset and called right away. They were so accommodating, and promised to send me another one as soon as possible. They apologized and just were a pleasure to deal with! I would not hesitate to order from them again!!
very MISLEADING
William W.
(Modesto, CA) - March 22, 2011 (
See all reviews by this customer
This item is not as the picture shows. It is very hard to read in person. In the picture it has a dark background and with out that you cannot read the writing on the glass. If you notice the picture has a light background to show up and the writing has a dark background to show up also. Without those backgrounds you cannot read what is on the glass. VERY MISLEADING I WOULD NOT RECOMMEND THIS PRODUCT TO ANYONE!!!!!!!
Easy to order. Liked to review with personalized names showing.
Cherie M.
(Simi Valley, CA) - March 21, 2011 (
See all reviews by this customer
This is a beautiful item . Our friends will love it.
Anniversary Present
Vickie H.
(Maiden, NC) - March 20, 2011 (
See all reviews by this customer
I wanted to give my brother and his wife a special gift for their 50th wedding anniversary. Unable to come up with anything on my own I went on line and found the Personalization web site. I ordered the 50th anniversary frame. It was very pretty and the engraving was beautiful. This was a special gift at a reasonable price. My brother was surprised and pleased with the gift. They both thought it was beautiful and were going to display it right away in their home.
Perfect Gift!!!
Christina H.
(RockFalls, IL) - February 15, 2011 (
See all reviews by this customer
This gift was for my Daughter and Son-in-Law for their first Anniversary and it was so very special to them..A cherised gift for life!! Thank You
Very Elegant
(Green Bay, WI) - September 8, 2014
This gift was very elegant looking. Dependently worth the price. Package was delivered in shortly after order.
Anniversary Photo frame
(Bellerose Village, NY) - July 4, 2014
Everything is just beautiful about this frame....engraving,verse. Know the party will truly enjoy.
Beautiful personalized gift for anniversary
Debby D.
(Gainesville, GA) - April 15, 2014 (
See all reviews by this customer
I had trouble finding anniversary gifts and then checked out the Personalization mall. Love the help with a few phases to use. The frames are quality and perfect. Great to be able to add a picture to it from the anniversary party. Awesome Gift.
Sharon W.
(Macomb Township, MI) - April 14, 2014 (
See all reviews by this customer
frame was larger than I thought it would be. It seems like the writing does not show up very good. It would be better if you put something behind it. It was still a very nice frame.
a little disappointed
Rose S.
(Lindenhurst, NY) - April 7, 2014 (
See all reviews by this customer
Loved the frame itself, it is truly a beautiful piece... however, wish there was a way for the engraving to stand out more....You have to put the glass up against a dark background to see the engraving. I ordered something from you a long time ago, and although the piece itself was very nice...I had to put a black piece of paper on the back of the plaque.
Expectations exceeded. Wonderful product!
(kingwood, TX) - April 5, 2014 (
See all reviews by this customer
As always, my expectations were exceeded by Personalization Mall. It seems every time I order from this company, what I get is even better than I imagined or had hoped for. With such reasonable pricing; the products I have received have seemed like such a great value. Here again with this lovely 25th Anniversary Memories Personalized Frame, my hopes were exceeded in the final product with my own personal engraved words. I just couldn't be happier and my wife loves the Frame. Now if we can just find the perfect picture to complement the beautiful frame. Thank you Personalization Mall for the wonderful products you offer and customize for your customers. We just love your products, service and value. You have made many of my families memories special and treasures for years to come.
Beautiful Anniversary frame in heavy thick glass!!!
Tone' N.
(LAFAYETTE, IN) - April 1, 2014 (
See all reviews by this customer
Beautiful and EXCELLENT QUALITY picture frame in heavy thick glass!!! I ordered one for my parents 50th wedding anniversary, and one for my aunt and uncles wedding anniversary. They all loved the frames! Recommended!!! And I have to mention that I love the fact that this web site will let you preview your own personalized item, which makes it so much easier to visualize your pick in different styles and text.
Classy and elegant
(Phila, PA) - March 18, 2014
I ordered this for my parents for their 40th anniversary. I ordered it a month in advance and had it in about a week. The etching is very classy, and the gold brass frame trim against the glass frame gives another wow factor to add an extra touch of elegance. It really looks more expensive than it really is. I can't wait to see their reactions when I present it to them next month. Due to their speedy personalization and delivery, and the quality of the merchandise, I will definitely consider ordering from PersonalizationMall.com in the future.
Larger than expected, and excellent quality. Lovely!
Kelli J.
(Indianapolis, IN) - February 22, 2014 (
See all reviews by this customer
Purchased this for my mom and dad's 50th, and it is beautiful! My mom passed away 12 years ago, but we still celebrate their love every year. This was the perfect gift to show reverence and celebration...
A lovely gift
Victoria G.
(Riverside, CA) - February 9, 2014 (
See all reviews by this customer
I ordered this personalized glass Anniversary frame for friends 50th
wedding anniversary. I was VERY pleased with the whole thing. The poem was meaningful & the inscription perfect. It looked so expensive & yet the price was quite resonable.
Very fast, Great Quality!
(Macomb, MI) - February 4, 2014
I purchased this item for my parents' anniversary and not only did it arrive a day earlier than I expected it to with the expedited shipping, it was packaged very well and is a wonderful quality. My parents love it!
Great Gift idea
Marquita F.
(Menomonee Falls, WI) - January 6, 2014 (
See all reviews by this customer
I was very pleased w/ this gift and my parents loved it!! I definitely recommend this product!!!! :-)
Beautiful and impressive product
(PITTSBURG, CA) - December 18, 2013 (
See all reviews by this customer
I am giving this personalized frame to my parent's 50th Wedding Anniversary. I added a bible verse and I was really impressed when I received it. I really love my purchase and I recommend this to everyone.
The Perfect Anniversary Gift
Ann J.
(Atlanta, GA) - December 3, 2013 (
See all reviews by this customer
I am pleased with the 50th Anniversary Frame
and I know the recipicants will adore it.
It was easy ordering and the purchase arrived
after a few days.
I'm very happy.
Great Choice
Karen J.
(Sterling Heights, MI) - December 3, 2013 (
See all reviews by this customer
The picture frame was beautiful and looked exactly as it was shown on the site. It arrived within the week and it will be a wonderful remembrance of my in-laws milestone anniversary.
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