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J. Maureen Henderson, Contributor
I write about early career issues. Pithily.
Recently, someone pointed out that I don't sound very passionate when I discuss my writing. My first reaction was to be relieved. Being wrapped up in the romanticism of the written word is recipe for blinding myself to its potential as an income generator, which is an entrepreneurial no-no. Make no mistake, I love writing, but I also love paying my rent, being able to afford little luxuries like takeout sushi and bigger luxuries like vacations. In fact, I love these things more than I love the sense of moral righteousness that would come from writing only about the subjects I wanted to in the style I wanted to. So, whether you're a writer, a designer, a baker or a candlestick maker, here are three reasons that following your passion over your career pragmatism is a recipe for ending up in the poorhouse:
Your passion is probably not profitable
Blessed are those who swoon at the thought of tax accounting or petroleum engineering, for they will be well-compensated for their love. If, however, the activity that makes your heart swell is less practical and economically in-demand, there's a very real chance that you won't be able to make a viable living from it. You might love teaching yoga, offering life coaching services or taking baby portraits, but if the market doesn't value these activities as highly as you do, you either have to fight the uphill battle of creating demand, pare down your lifestyle until you can afford to live on what you can get paid or accept that your passion is not suitable for paying bills. Yes, there are certainly a finite number of yoga teachers, life coaches and photographers who make excellent livings at their craft, but you may not be destined to be one of them. Take a searching inventory of the profit-generating skills and experience you do have and use the most lucrative among them as a means of earning your keep and purchasing yourself the mental freedom and leisure time to indulge in your passion without stressing about how to make it pay.
People expect you to do what you love for free
There is the assumption that if you love X, your love must be so great that you'd do it even if you didn't get paid and there are people who are only too happy to take advantage of that assumption. While you might still write or compose music or paint even if you didn't make a dime from it, that's absolutely no excuse not to charge for your work (assuming the market bears it) or for others to expect you to perform your services gratis. Folks would never think to ask a plumber to work for free because he simply loves snaking drains, but if you're trying to make a living from doing what you love in a creative field, there will always be potential clients, customers and acquaintances trying to leverage your passion for your work as a reason to pay you less than market value. When the skill set that you use to earn an income is one that you wouldn't ply without compensation, those people tend to disappear. Don't get sucked into running a talent-based charity.
Sometimes, life is about solving problems
This was sage advice given to a friend by her economist father. Very often, living is about finding solutions, workarounds, fixes and methods to get your needs met and these solutions, workarounds, fixes and methods often involve difficult, unpleasant work that doesn't allow for much creative self-expression. None of us are owed a life in which we get paid to do exactly what makes us happiest and the sooner you get over your resentment at the rarefied few who do make a living from their love, the better off you'll be. I always sigh a bit and roll my eyes when I hear reality tv contestants declare that they signed up for a given competition in order to provide a better life for their family. Yes, leaving your boring but paid day job to compete against 40,000 other hopefuls for a slim-hope chance at a record contract/cash prize/magazine spread is certainly a better way to ensure the financial well-being of your loved ones than staying in said boring but paid day job while you design clothes or sing at weddings on the side. Your problem is figuring out how to provide for your family. Solving it has much more to do with acting pragmatically than following your passion, I want to tell them. It's a practical problem in need of a workaday solution, not pining your hopes on a gold ticket to Hollywood. In the words of Crosby, Stills, Nash and Young (but mostly Stills), if you can't be with the one (profession) you love, love the one you're with.
This article epitomizes nothing more than a trod toward mediocrity. The belief that one's career is nothing more than a way to pay the mortgage and no one gets to do what they enjoy while getting paid for it is over-the-top negative and unworthy of a site such as Forbes, of all publications. "Pragmatism" is settling in this case and taking the advice in the column will only enable you to achieve the most basic and unfulfilling life possible.
I would have taken your article seriously if you didn't shamelessly endorse yourself at the end yet you tell people that following their dreams will only make them broke,oh the irony…
Honestly I actually needed to hear this. First time commenting on Forbes but thought this spoke out to me. "…Don't get sucked into running a talent-based charity." That's what I almost envisioned jobs that people have real passion for end up like.
I think this is one of the reasons why more than ever I should have multiple sources of income to be able to enjoy doing a variety of things so a) I won't feel like X job is so draining and horrible and b) I'll still earn a good amount from X job but also make some money doing what I like most on the side.
I really liked this! I'm only 17. Options, options for my future…
I agree that it isn't easy to identify ways to get paid doing what you love. I don't agree, however, that simply because you meet resistance trying to figure it out, doesn't mean it's an invalid path. I also believe that you don't have to limit your "passion seeking" to the tasks you are doing each day. For example a psychiatrist is most likely driven by a desire to help people, rather than a passion of being a psychiatrist.
The excessive ignorance described by this article is disappointing. Anytime one concludes an aspect of life in such a "black and white" mentality, it's a sure sign of that person engaging in small minded thinking. The reality is in some cases the points presented would be correct; however in just as many alternate cases these presumptions would be completely false. I can illustrate countless examples were people have made incredible sums of income utilizing their passion and end up loving what they do. The truth is, it really depends on what one is passionate about and the level of their resourcefulness in striving to make a living at it. Life is just not as "black and white" as the author tries to make it. Again I am deeply disappointed in this article… moving on.
I believe the challenge isn't with your stance, it's probably more about the "absolute statements" you are making such as:
"Your Passion probably isn't profitable"
This statement is made as if you know that the majority of the population couldn't possibly be passionate about something that is profitable.
"People expect you to do what you love for free."
Just because someone "expects" you to do what you love for free, doesn't mean that's the way it has to be. Perhaps the difference between someone successfully profiting from their passion comes down to better decision making, and actually charging for the value they deliver.
I do agree that "Sometimes life is about solving problems." In fact, I think that's the EXACT reason why and how people can profit from their passion. They can do it by making money serving people that share the same passion, and helping them solve their problems.
I completely understand that approach as well. I just would hate to see you, or anyone, lose credibility by making statements that are a bit too general and thus come off as absurd. I've enjoyed the discussion though. Thanks! :)
I have to agree with warriorspirit. This article is based on presumptions and – more importantly and frustratingly – on accepting either/or thinking. I would hope that at least some of your readers would reject the choice between profit and passion, and attempt to create careers that combine the two. It may not always work; it may take time to find or create the path that allows for it; but it surely will never work if we don't even consider it.
"Are they the norm?" No they are not. However, an action that is performed by the majority doesn't necessarily correlate to it being correct. The majority at one time used to believe the earth was flat. I will agree our current society, educational system, and apparently media outlets are conditioned to prescribe the outdated industrial age notion that one should seek to excel in an academic pursuit in order to acquire a "good job" that "pays the bills". This type of thinking, in my opinion, is one of the root causes of our declining competitiveness within the world. We have not shifted our paradigm to be inline with the information age (which we need to do). To me this article prescribes a type of thinking that is outdated and more in line with the industrial age. I will agree, not all passions can be made profitable (but then again, who am I to say that). I do however believe one can generate an adequate income by utilizing aspects of their passion, if they are creative enough in their pursuit of it. I just think it's a disservice to the readers of Forbes, to be exposed to an article who's message is, in my opinion, condescending to what people are capable of.
I agree with a lot of the sentiment in this article, particularly that you have to be practical and realistic about how you earn your money. But it's a pity the headline is so negative. Following your passion does not mean you will end up in the poorhouse. It's one of the bravest things you can do, and I believe it's one of the reasons we have so many successful entrepreneurs in the Western world.
The key though (which I feel this article hints at) is finding a balance between the passion or love of something and the challenging/mundane/painful tasks that come with work. I don't know anyone who loves everything about their job, but I do know people who love the majority of what they do and deal with the "bad" bits because they know it will keep them going.
up to I looked at the receipt four $9362, I be certain that my brother woz like they say actually making money in their spare time on-line.. there neighbour started doing this for under and just now took care of the morgage on there appartment and got a great Chevrolet Corvette. I went here, FB26.ℂOℳ
Of course you can be successful following your passions, provided you are commercially astute. Yoga teachers and life coaches can make good money if they court the right customers. To put it another way, as a wise friend once told me – If you want to make money, you need to be where the money is.
Thank you for not making the pursuit of one's passion a major fallacy. Far too often, I read about the misinformed glorification of following one's passion, but your article nails it with the key word: pragmatism.
I, too, loath the 1% that are making a living by doing what they truly have a passion for.
My passion was creative arts including desktop publishing. I made enough to pay for the equipment needed and eked out a minor profit. I owed $40,000 in medical bills after two major cancer operations and felt like I would never pay it off. Then in 1989, I saw someone fix a computer. I couldn't believe how easy that looked. I went to a library and checked out a book on computer hardware and repaired one I had purchased for $100. I sold it the next day for $600. That was it, my new passion! I actually liked it so much I didn't feel like I was working. My business exploded and for the next 15 years I was making so much money I didn't have time to stop and count it. I expanded into areas that had not even existed before. Buying and selling memory and used computers and computer hardware. I installed networks in small offices. By 2004 the industry had changed and it was over. However, in the interim I had made more than enough to make some great investments and retire comfortably just two years later. By the way, this was just a sideline business while I continued another career.
This is a great post. I have always encouraged people to follow their passion because we're happier doing what we love. However, we must also be logical. We don't always get paid for what we love. There are many great stories of perseverance and sacrifice. But, there are also many disappointments because meeting our needs is vital to our survival.
My advice is to not give up your passion but, finding a way to ensure your financial needs will make you happier while you pursue your passion.
Great advice as I'm a graphic designer (and once dreamer of being a baker). I'm incredibly grateful I chose to finish college w/ a graphic design degree, and have not been without GD work since college (7 years). I've worked boring GD jobs, and as well as fulfilling (but looow-paying) GD jobs, and everything in-between. Freelance, contracting, part-time, full-time. Advertising agencies, local newspapers, small start-ups. I agree that you need to examine your motives. Passion is wonderful, but you may not be as content with being poor as you might imagine. You need to really asses what it is you're looking for. Even if you're passionate you have to work really hard (perhaps even harder) to have your passion pay the bills. Love the pragmatism, thanks for article!
This article feels a bit contrived to me. You seem to seek an attention grabbing thesis, & then work to construct stories around that thesis to attempt to prove it & gain attention.
Within these stories there are some good points, but they dance around the peripheries. You are missing some basic truths.
For example, free market realities are really quite simple: Where you can figure out a way to deliver real value to people, you can figure out a way to make money.
Is it easy? No. Anyone who has built a business can attest to that, I have experienced it myself. Sometimes it takes a long time. But is it doable? Absolutely. It's the beauty of our economy.
How did you make the determination that just bc it's your passion it won't be paid for? This is very self-focused. The market doesn't really care if it's your passion or not, it doesn't "vote" either way, it just pays for value.
So identify what you're passionate about, figure out a way to apply it to consistently bring value to people, & over time & with perseverance you will make some money. Maybe even lots of money.
The article's tone feels a bit resigned & cynical to me. Like maybe it is trying to give comfort or help justify those who have not taken risks to go after their passion. Or who don't know what their passion is. That's ok. It's just a limiting belief that will keep the lives of those who ascribe to it relatively constrained.
PS I agree – we are certainly not OWED a life in which we get paid to do exactly what makes us happiest. But we certainly have the opportunity to work to build that life. And I know many people who have.
This is a simple, direct summation of the basic challenges faced by entrepreneurs as they attempt to become successful, without considering their customers' expectation that work must be done for free or at very low cost. Taking steps to do unpleasant work is the pragmatic advise needed here. Thanks. @rampartgrp
Maureen, I'm curious, when you think about the deadlines you're required to meet in order to collect a paycheck to take care of your "pedestrian" needs…do you ever daydream of what you really wanted to do when you "grew up"? I've been a successful health professional for over 25 years. I have been able to reach literally thousands of people to try and make a healthful change. I have a much better than 50/50 success rate, thereby changing their lives, possibly, forever. I came into this "career" later in life (34), after trying to be "successful" in various other fields. I WAS somewhat financially successful but loathed getting dressed in the morning. Nowdays, there are times when I don't want to do this anymore, but after I'm done with a class let's say, I feel satisfied knowing that when I lay my head down at night, I can say truthfully, I "worked" today to benefit another living person NOT because of my pedestrian obligations. :)
Graduation speeches address: find your passion. Tony Robbins, Martha Beck etc, state the same.
Ms. Henderson says this is wrong, get your degree, work at something you hate (low level – no degree job, a few part times jobs, stay there for years, be miserable, contribute little) watch others get a job they like and want, move up and enjoy it.
I guess Ms. Henderson hates what she is doing.
I feel the message can be put in terms of trade-offs. What follows is my take on this.
Whenever you say I want to go to that profession, I will like to be posted there and I find that kind of job really interesting and so on, those statements in & itself doesn't mean much. Whenever you say something/someone you desire (be it profession, being at a particular place, being with someone), you have to quantify that desire, better for your own sake. That quantification can be in terms of money, but needn't always be. More generally, you should be ready to decide what else are you ready to give up to satisfy that particular desire. As it happens in this mundane world, people face trade-off everywhere, allocation of limited resources (time or money) to different ends or because of not so favorable circumstances. So in most cases, you have to give up something you like to get something else you really really desire. It may not always be in terms of direct dollar value. You want to look after your old parents, being a good son? Forget about that high paying job overseas. Want to rise higher up the corporate ladder, eyeing the CEOs chair? Sacrifice another quality evening with your family. You really really want to see your mom during christmas? Be ready to pay the air-fare. Really want to lose some pounds. Deprive yourself of those cheesy mcburgers and drinks. Passionate about pursuing freelance photography as a profession? Tone your life-style according to whatever it pays (depending upon the market demand for photography and your skill) and better not compare yourself with your MBA friends working in MNCs. This example illustrates another aspect of how others' attitude influence your decision. People are ready to pay handsome money to their tax consultants while they are eager to appreciate your photography talent. But how much they are willing to pay to see/own one of your awesome shots? If people are ready to enjoy/appreciate the fruits of your skill only when it comes for free, then it means either you are not skilled enough or your skill is worthless (you read it right) in the marketplace. In other words, people may enjoy it for zero opportunity cost but your talent can't persuade them to decide in your favor when they face a trade off. So the next time people just wow at your shots and back off when you ask a price-don't nag and complain about it. Either improve your skill or move on to another money making job if that's your target.
I cam across this article when researching the subject of following one's passion. I agree with the very good advice. I'm writing to suggest how a person might combine their passion with what they do for a living. Following one's passion can be done if one finds how to solve the problems (or create the solutions) that others (clients) can benefit from that are within your passion. Should a person choose to follow their passion I would say their careerpath will almost certainly be non-linear. There will frequently be serious challenges to your ability to maintain that non-linear existence. Things will be harder than you might have ever imagined. I've followed my passion in my work – and can't not do so. Yes I've accepted the ups and downs. But the reward of doing what I love for a living – tempered by creating the practical applications for that love have allowed me to make a living from it. I would encourage others to do it. But would certainly suggest reading this article and others like it to temper the belief that practical considerations needn't be part of the decision to follow one's passion. They must be. For those would seek any career they love.
this is an excellent article. And I agree with the advice. I have followed my passion in life – and I would suggest others can to – if they create within their passion the ability to – as the article suggests – find practical applications to help others find solutions to problems. It is possible to follow your passion – but it will be a non-linear life of oftentimes very significant challenges. Find the practical applications within your passion and that will allow you to live your passion.
You are right that it is important to ensure that what you do is profitable, that you actually do get paid, and that you really do solve other people's problems by doing it. You address some important issues with diving head-*last* into the pool of career dreams and aspirations.
But I still think a love of what you do is fundamental to making it, regardless of what you do. Love. Passion. Enthusiasm.
It was Steve Jobs who said in a 2009 interview: "You need a lot of passion for what you're doing because its so hard. Without passion, any rational person would give up. So if youre not having fun doing it, if you dont absolutely love it, youre going to give up."
In his TED talk in 2012, economist Larry Smith spent 15 minutes outlining "why you will fail to have a great career". To him, fearless passion was the single most important element in avoiding such a failure. He gave a great illustration that summarizes the point:
Quote: "You know what will happen some day, you, you… ideal parent you?
The kid will come to you some day and say: 'I know what I want to be! I know what I am going to do with my life!' You are so happy, it's the conversation a parent wants to hear because your kid's good at math and you know you're going to like what comes next. Says your kid, 'I have decided I want to be a magician! I want to perform magic tricks on the stage!'
'…' And what do you say? You say: 'Uhm… that's risky, kid. Might fail, kid. Don't make a lot of money at that, kid, oh, I don't know kid, you should think about that again, kid. You're so good at math, why don't you..' And the kid interrupts you and says, 'But it is my dream! It is my dream to do this!'
And what are YOU going to say? You know what you're going to say? 'Look kid, I had a dream once too, but… but…' So how are you going to finish this sentence, with your but? But! 'I had a dream once too, kid, but I was afraid to pursue it.' Or are you going to tell them this: 'I had a dream once, kid. But then you were born.' Do you really want to use your family, do you really ever want to look at your spouse and your kid and see your jailors?
There was something you could have said to your kid. When he or she said 'I have a dream', you could have said… looked the kid in the face and said: 'Go for it kid! Just like I did.' But you won't be able to say that, because you didn't. So you can't. And so the sins of the parents are visited on the poor children." (End of quote.)
I think both quotes have some very important pieces of wisdom.
Perhaps the trick of compromise, the 'gold mean', then, is to learn to do what you love in a way that actually makes it qualify as real, profitable work, rather than simply being a continuation of your hobby back at home in the basement.
There's a great distance between what Steve Jobs did back in that garage when the first steps of Apple were being taken and what he did the last 10 years before his death. I think the same could be said for most other people who 'went for it', including famous musicians, and perhaps that is why they avoid the pitfalls in your article while not having to give up on their passions.
I know this article was done a while back but I had to add my thoughts. I totally, 100% do not agree. The reason why people who have a passion fail is due to their lack of marketing and being able to create a concept that works.
I've seen a lot of people who got passion, talent but my God, when I look at their website, their marketing, the enviroment they have built online – I'm sorrt to say it shows no pride whatsoever.
It's like they thought having a website and adding content is enough.
What people who have a passion need help in, is guidance on business, marketing principles. Helping them to connect their passion with a targeted customer/nice and a strategy, a concept that's attractive and has personality.
This takes expertise, takes work that majority won't do.
So they look for a quick solution, a system, a free this, a free that, or think the answer will be in one book.
That's why most who have passion will be visiting the poor house. Not because passion doesn't make money. It does, big time but it has to be done right.
Following ones dream, without marketing knowledge is where many fail. This cannot be rectified by reading one ebook. It needs serious help which most will not invest in.
Follow your dreams people but give it the expertise, the resources, the knowledge, the experience from others it needs. Give your passion justice.


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Jacksonville Daily Progress
Funeral services for Eula Mae Derr, age 87, of Jacksonville are scheduled for 10 a.m. Wed., Aug. 28, at Autry Funeral Home Chapel in Jacksonville with Rev. Darren Wood officiating. Burial will be at Jacksonville City Cemetery in Jacksonville.
Mrs. Derr passed away Sat., Aug. 24, 2013 in Jacksonville.
She was born April 12, 1926 in Cherokee County.
Eula Mae was a member of the Eastern Star and taught the Mary Martha SS Class at Central Baptist Church in Jacksonville.
She is preceded in death by her husband, Frank Alvin Derr; parents, Edward and Bertie Walker; brother, J.P. Walker; sisters, Nellie Loyce Thames, Mary Joyce Pollard; and son, William Wayne Derr Sr.
Survivors include her grandson, William Wayne Derr Jr. of Sumner; granddaughter, Shontaine Christofferson and husband Robert of Conroe; daughter-in-law, Carol Derr of Conroe; great-granddaughter, Kristina Derr of Conroe, great-grandson; Lane Derr of Palestine, great-great granddaughters, Alyvia Shontaine Hall and Ayana Coralee Goff both of Conroe; several nieces and nephews.
Visitation will be from 6-8 p.m. Tues., Aug.27, at Autry Funeral Home in Jacksonville.

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Male, 58 years old, and married. Birthday is July 11, 1956. Owns a 2002 Yamaha Road Star Silverado XV16AT. Looking for friends. Religious view is I believe. Doesn't drink. Lives in Wylie, Texas United States. Member since July 2007.
Well my move to a nd w place is done im still in Wylie Tx and so worn out after 3 days of haulin stuff
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Stupid cancer. We all want a new car, a new phone. A person who has cancer only wants one thing... to survive. I know that a lot of you "who think you're too cool" probably won't re-post this. But a very little amount of my friends will. Put this on your wall in honor of someone who died of cancer, survived, or who is fighting against it now
amazing morning for a ride 68 degrees and felt so good riding to work
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giggles via fuega ATTENTION MY FRIENDS. TODAY I NEED YOU. I NEED TO SEE THIS MESSAGE ON YOUR WALLS! URGENT! I ASK FOR A PRAYER FOR HARLY.A.ANDREWS (5 YEARS OLD) SHE GOT HIT BY A CAR IN INTENSIVE CARE. PLEASE POST THIS ON YOUR WALL FOR AT LEAST AN HOUR; I WOULD DO IT FOR YOUR BABY GIRL . LET'S GO FOR A MIRACLE!
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July 31, 2013 · Like


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.Channelling my inner Katy Perry this Halloween.
So this year i'm dressing as a pumpkin for halloween and i've been struggling to find a decent wig to go with the rest of my costume. I have a very unhealthy obsession with fancy dress and always like to look as convincing as possible, so i wanted a really good quality wig to wear!
Luckily the amazing ladies at Wonderland Wigs came to my rescue and sent me this gorgeous green wig* and i am over the moon with it!! It feels so much like real hair and fits a treat, i'm really impressed with the quality and the colour pigment. I think that in a more toned-down colour it would be extremely convincing as real hair if you fancied a quick style change for the day! You can bet the next time i need a wig i'm going straight to Wonderland to find another piece - they stock so many different colours and styles, along with hair extensions and eyelashes too - very impressive!
A huge thank you to Wonderland Wigs - I can't wait for halloween now, my costume is very nearly complete!


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OLYMPIA -- Prior to the game Black Hills girls basketball coach Tanya Greenfield pulled Sarah McGee aside, telling her if the Wolves were going to continue their season she needed to have a big game.
The senior post delivered.
McGee dominated the paint, scoring 23 points and pulling down 19 rebounds, to power Black Hills to a 72-56 victory over River Ridge in the 2A District IV tournament Saturday at Capital High School.
"I put a lot on her," Greenfield said about McGee. "I told her she needed to put us on her back and carry us tonight. She did that. I've never had a player work as hard as she has."
The Wolves, which split it's two regular season games with the Hawks, earn the district's third and final seed to the regional tournament.
"This just feels amazing. We have lost to River Ridge so many times over the years," McGee said. "It starts to become a mental thing, but tonight we played through it. It's the best feeling."
The Wolves needed a late buzzer beater to put away River Ridge during the regular season.
In the loser-out postseason battle, it never got that close after Black Hills opened up a double-digit early in the fourth quarter.
"Everyone was so poised tonight," Greenfield said. "We had a lot of quick runs and they just added up for us."
River Ridge 74, Tumwater 62: Jason Kananin scored a game-high 23 points, Austin Parker added 13 and the Hawks parlayed a quick start to a convincing victory over the Thunderbirds in District IV tournament play.
With the win River Ridge earns the district's No. 3 seed, while Tumwater's season comes to an end.
"We got off to a slow start this season, but the team just kept improving," River Ridge coach John Barbee said. "They have earned everything through hard work this year."
LaBrandon Price and Israel Williams added 11 and 10 points, respectively, for the Hawks.
Zach DeLucco paced Tumwater with 20 points, while teammate David Cooper scored 16.
The Hawks raced out to a quick advantage, opening the game on an 18-4 run, and never looked back.
A Parker dunk early in the second quarter pushed the River Ridge lead to 24-6.
Kananin scored scored 14 points in the first half, sinking a trio of 3s, to help the Hawks to a comfortable 38-20 cushion at the intermission.


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Deborah L. Jacobs, Forbes Staff
I cover personal finance for baby boomers.
My recent blog post, "Nice Girls Talk About Estate Planning," triggered many comments on social media. Unfortunately, most of the people reacting to my suggestions, about how to start a conversation on this stressful topic, were lawyers, financial planners and geriatric professionals. They recognized the importance of talking with your spouse or partner, with adult children, and with your parents. But the gist of the feedback was that clients and potential clients still aren't persuaded.
Among those who shared their frustration was Carole M. Bass, a lawyer with SNR Denton in New York. In a LinkedIn discussion, she described what happened when she offered to give a presentation about estate planning to a new moms group in her Westchester, N.Y. community. The woman who runs the group "told me that they generally have low turnout at luncheon events about estate planning because the moms don't see estate planning as a crucial topic and see it as something they let their husbands handle," Bass wrote on LinkedIn. "I found this shocking — especially in the context of women in their 20s, 30s and 40s."
As a relatively new mom herself — she has two children, ages 3 1/2 and 13 months –as well as a lawyer, Bass knows how a lack of planning can affect families of young children. If a single or surviving parent dies without a will and her children are minors, a court will appoint a guardian for them. And without a financial cushion children could be left without sufficient funds. Many parents of young children died on 9/11. The 10-year anniversary of that tragedy should remind us of the need to plan, even when the chances of anything happening seem remote.
Lack of planning among older women is an even bigger problem. Women live longer on average and tend to marry older spouses, making women 65 and older three times as likely as men that age to be widowed. So for women, estate planning is a crucial part of retirement planning. And since they usually survive their spouses, women more often have the last word about how much wealth goes to family, charity or the taxman.
But estate planning is a field still dominated by men and there's a lingering tradition of paternalistic tools and techniques – such as locking inheritances up in trusts for widows who presumably can't even balance a checkbook let alone manage hundreds of thousands or millions of dollars without being vulnerable to financial predators.
Whether you're just getting started, or revising a plan to reflect changes in your life, here are some questions financially savvy women should be able to answer.
What's the difference between a will and a living trust?
There is widespread confusion about the differences between these two documents, and when you need one rather than the other. A common misconception is that living (revocable) trusts avoid estate taxes, which is not true. Both a will and a living trust can be used to transfer assets, but each has unique uses. For example, a living trust can hold assets for your benefit while you are alive–say, in case you are suffering from dementia. Only a will can be used to appoint a guardian for a child.
In some states, living trusts are also used to avoid or limit the cost of probate–the process through which a court determines that a will is legally valid and approves the distribution of assets covered by that will. Whether probate is costly or burdensome will depend on the state. Still, there are times when you might want to use a revocable trust to limit how much of your estate goes through probate or to avoid it altogether. For example, if you are concerned about publicity over your net worth or the identity of your beneficiaries, you might transfer assets through a trust–which, unlike a will, is not a public document. Someone leaving assets to a domestic partner might use a revocable trust, because it is harder for surviving blood relatives to challenge a trust than a will.
A living trust is also useful if you own real estate in a state that is not your primary residence. Real estate is governed by the probate rules of the state in which it is situated. Unless the property is in a living trust, an Illinois resident who has a home in Florida, for instance, would need to probate the property separately in Florida.
Whom can you trust?
Advancements in medical science and care may enable us to live fuller, longer lives. But that also means more women are likely to suffer from a diminished mental state–a harsh reality that's difficult to accept. In case that happens, you should have a durable power of attorney, appointing a family member, friend or advisor as an agent to act on your behalf in financial and legal matters. Choose carefully: This document, though necessary for all of us, is unfortunately also a license to steal.
Deborah, you are so right on again. I have cited this article in my blog post today at: http://blog.thecolemanlawfirm.net/2011/09/09/why-dont-women-understand-the-need-and-importance-of-estate-planning.aspx
It is so important for women to understand that their needs and desires are often different than the men in their lives in the estate planning arena. Women also have different priorities that are not always priorities to men. Overlooking these needs and different priorities is somewhat of an abdication by women of the responsibility they have to themselves and their families. It often has disasterous consequences for those families, and the women themselves. I applaud your effort to encourage women to seek out their own counsel about estate planning matters.
Many people will choose a will above a living trust for reasons of familiarity. I would like to point out that a living trust has a distinct advantage. In the event that you become mentally incapacitated, the durable nature of the trust can allow an alternate trustee to continue to manage your affairs and property. This can be a great deal easier than depositing your durable or springing durable power of attorney with others. If you choose the rout of a traditional will, a springing durable power of attorney, or durable power of attorney and custodian instructions is a must.
Jason M. Gordon


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- Abrasion Resistant
- Wicking
- Quick Drying
- Movement-Mirroring Stretch
- Thumb Loops
- Spandex Binding on Thumbs and Cuffs
- Spandex Binding on Hood
- Balaclava-Style Hood
Fit: Trim Fit
Fabric : Motion Fleece™: 55% nylon, 40% polyester, 5% spandex fabric
Avg. Weight (oz./g): 11.2oz / 317g (M)
Customer Reviews
- Women's Rumor Hoody™ (Review by By twotoques)
I bought this mostly with hiking and cross country skiing in mind. I knew exactly what I was looking for: i wanted -thin brushed fleece inside -smooth outer (for when it would be the external layer on cold/snowy days, and for ease of layering)-thumb holes (preferably) -length in the torso. this hoody has everything i wanted except for the perfect fit... it is so hard to find length in the torso of tops. this hoody's saving grace is that the back is longer than the front, so the usual complaint of cold kidneys when sitting or bending is mostly alleviated, which is nice. all in all the torso length is decent, but having a slightly longer front would be nice... i don't have a long torso or anything, but it's nice when mid layers aren't messing with your base layers, as with the other reviewer who said it pulls up her base layers because of the tight hem, i find that true as well. especially when it's tight around the hem and the back is long, but the front is short, it can definitely feel like it's pulling at other layers. the sleeves are large... like, they're very wide... (and i have the right size for me) when i first put it on, i didn't think i liked that, but then i realized that it was awesome for not feeling restrained and too tight when wearing a few layers underneath... you know how sometimes your torso fits fine with all the layers but the arms can feel tight! not a problem with this hoody.[the much shorter front than back (and partly the large arms) keeps me from wearing this hoody casually: i'd love to wear it everyday as well as in technical applications but the look and how it fits just isn't there]one other thing which is sort of weird, the pocket openings are unusually far back, feels unnatural when keeping your hands in your pockets.all in all though, the technical idea of this hoody is bang on.
(Posted on 1/13/11)
- Women's Rumor Hoody™ (Review by By climbergirl)
This is my go-to layer for just about everything... rock climbing, ice climbing, skiing, going out to dinner in town... I love it! At first I was a bit afraid of the super-bright red color, but after lots of compliments I've embraced the brightness...
(Posted on 1/4/11)
- Women's Rumor Hoody™ (Review by By Sarah)
This is a layer that I rarely leave the house without when going climbing, whether it is summer or winter! It is part of my layer system. I usually wear a base layer or two and then the Rumor hoody, under my Alibi jacket for ice climbing. The hood, usually finds its way over my helmet throughout the day and makes a huge difference in keeping me warm during belays. The jacket has a good fit and is long enough to stay under my harness despite the constant shifting while swinging tools. I have had my rumor hoody for over 4 years now and despite multiple washings, it has held tough!
(Posted on 12/12/10)
- Women's Rumor Hoody™ (Review by By Teresa)
I love the Rumor - i use it for everything. Its my outer layer when I'm climbing in a breezy canyon or backpacking, a mid-layer for backcountry or inbounds skiing, what I wear at work nearly every other day. I love the versatility of this piece. When its very cold (like ice climbing at the Mt Baker seracs a couple weeks ago), I'll layer a longsleeve under my Rumor, puffy on top, and with the hood pulled on, I'm super toasty. Using the thumb loops over the gloves/mitts I'm wearing adds an extra seal around my hands to keep in more warmth. I also use this piece as an outer layer if I'm doing something highly aerobic in the winter, or for most of my activities in the summer. The material has a smooth enough face to keep most breezes from cooling me down, it sheds drips from dewy trees/light mist well, and keeps me from feeling clammy/sweaty. My only con is that the binding on the bottom makes the Rumor balloon just a bit around my hips where the binding snugs in. I would prefer a straight hem. If as I reach up while climbing, the binding will pull up to the smallest part of my waist and get stuck there, usually taking my underlayers with it. And I prefer to not show off my belly unless I'm at the beach. Overall, I love this piece. My small gripe is easy to overlook for all the goodness of it.
(Posted on 12/7/10)


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Dating is hard, especially for women. But it's easier when you know there are certain types of women that heterosexual men will always avoid. And fellas, if you're dating one of these ladies, steer clear!
Serial Killers
Sorry, ladies. If you've committed three or more murders, dudes are just not into that. Stop killing now if you don't want to die alone.
Women With Knives For Hands
Look, men just do not have the patience to deal with a woman who has sharp knives for hands. If there's one thing men don't like, it's getting cut or stabbed by knife hands.
Women Who Regularly Try To Swallow Fruits Or Vegetables Whole Like A Snake
If you're on a date, you might think it's cute or sexy to try to stick an entire apple in your mouth and swallow without chewing, but the guy will likely say "No thank you" and move on to a woman who eats an apple in small bites.
A Bag Of Nacho Cheese Doritos
No man wants to take a bag of Nacho Cheese Doritos to a nice dinner at Red Lobster. Especially when the Doritos are constantly nagging. Nag, nag, nag-- shut up, Doritos!
A Woman Who Thinks Trader Joe's Is Called Trader Jones No Matter How Many Times You Correct Her
Whatever you do, DON'T do that.
A Woman Who Constantly Sets Small Household Fires
Ladies, he's already putting out all kinds of fires at the office, don't make him put out literal fires in his personal life.
Ursula From The Little Mermaid Or Similar Half-Octopus-Half Women Combos
If you want to land a man, don't be so cruel to the gentle merfolk.
The Winged Victory Of Samothrace
She doesn't have a head! And she's made of marble. Men hate that.
Women With Exploding Heads
If you're a woman with an exploding head, you create a dangerous situation for any guy you're on a date with. Get that taken care of pronto.
If you're turning into a wolf, don't expect to be turning your casual fling into a serious relationship.
Women Who Are Just Constantly Punching
Men really don't like being constantly punched. Get your punching habit in check or you can forget that second date.
Also on HuffPost:
And that's all anyone could ever ask for.
Fried Chicken Vs. Love
Fried chicken always wins.
Distance Makes The Heart Grow Fonder
Or crazier.
Poultry Proclamation
This guy didn't chicken out with his declaration of love.
Nokia Phones
A symbol of romance and a love that lasts forever.
A New Hope
His love of Star Wars is just as strong as his love for Jessica.
Make A Moment With Mozzarella
It's too cheesy.
Make every relationship better.
The Sweetest Scratch
How could you get mad at that?
Loose Tooth Love
Emma is wise beyond her years.
Nicolas Cage
The best, most romantic Valentine.
A Backhanded Compliment
Bacon Ballad
Being compared to bacon is a huge compliment.
Another Bacon Ballad
The bacon may have spoiled, but their love is fresher than ever.
Light Saber Love
I think they are a match made in "Star Wars" Heaven.
He Just Cares About Her Mind
Or not.
The Human Centipede
Turning disgusting horror into romance is no easy feat, but this card does it.


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Key property values drop again
Date: July 8, 2009
by: Kurt Schultheis | City Editor
The release of certified tax rolls in Manatee and Sarasota counties July 1 revealed another 10% average drop in taxable values.
Town staff confirmed a 10.5% drop in property values town-wide Monday, July 6.
The town's taxable values dropped approximately $621,409,263, marking the second time year-to-year taxable values dropped on the island since 1988. Last year, the town's taxable values dropped $648,787,520.
Based on the town's current millage rate of 1.5 mills, the estimated tax-roll loss results in a budget-revenue reduction of approximately $908,967.
Preliminary tax-roll estimates released in June reported a 10.1% average property-value loss on Longboat Key. The revised numbers, however, tack on another $44,014 in lost revenue for the 2009-10 fiscal year budget deficit.
For Longboat Key taxpayers, the town administration announced the Town Commission can erase the $478,000 deficit by raising the current millage rate of 1.5 mills at least 6.4% to 1.5967 mills.
A slowing real-estate market led to a 10.4% tax-roll decline in Sarasota island values, which marked the second, consecutive year for a decline. In Manatee County, the Longboat Key tax roll was down 10.5% compared to a year ago.
In Sarasota County, property appraiser Bill Furst certified a Longboat Key tax roll of $3,793,313,381, compared to the previous year's tax roll of $4,234,189,453.
In Manatee County, property appraiser Charles Hackney certified a town tax roll of $1,532,759,596, compared to the previous year's tax roll of $1,713,292,787.
It's only the second time in the last 21 years that the town has experienced a decline in assessed values for two, consecutive years.
• Sarasota County Property Appraiser Bill Furst certified a Longboat Key tax roll of $3,793,313,381, compared to the previous year's tax roll of $4,234,189,453, for a 10.4% decline.
• Manatee County Property Appraiser Charles Hackney certified a town tax roll of $1,532,759,596, compared to the previous year's tax roll of $1,713,292,787, for a 10.5% decline.
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Mote-tagged shark swims toward Sarasota
A 14-foot, 2,300-pound great white shark is currently heading eastbound toward Sarasota.
Police get a wheel deal from anonymous citizen
An anonymous citizen recently contacted the town with an offer to buy the Longboat Key Police Department a new bicycle.
Surprise daytime turtle encounter
On his evening beach walk, Longboat Key resident Mike Haycock was in for a big surprise when he spotted a sea turtle coming out of the water Sunday.


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Two years after what was described by described by Good Morning, America as "the nation's oldest bridal salon" burnt down in Oak Lawn, Eva's Bridals of Oak Lawn is about to move their second store to Orland Park.
Opening Tuesday, Eva's Bridals International will be located at 15180 S. LaGrange Road. The site was formerly occupied by House of Brides, before HOB was evicted and moved further south on LaGrange Road behind Mimi's Cafe.
READ: Couture Comes to Tinley Park
"We've been in our Tinley Park space for about two years, but we've outgrown the space," said office manager Stacey Lynn. "The timing worked out, and we're able to satisfy everyone's needs."
Lynn said their store at 18219 S. Harlem Ave. is less than 2,000 square feet.
"It's really something to be at this point two years after everything was lost," Lynn said.
On Nov. 17, 2010, a fire started in the attic of Eva's Bridal's original location in Oak Lawn at 4811 W. 95th St. The business had been there since 1982, after moving from its Chicago location that first opened in 1964 by Eva Sweis.
The fire completely destroyed the bridal salon, along with about $6 million in dresses—many of which had already been purchased for upcoming weddings.
VIDEO: Watch the Fire That Destroyed Eva's Oak Lawn Location
The family-owned and operated business persevered, with a little help. Palermo's Restaurant opened its back room for their longtime neighbors to set up a temporary office.
Owner Ronia Ghusein, along with her parents Nancy (Eva's daughter) and Sam and their staff, started rebuilding the business client by client. Six weddings were scheduled to take place that weekend, and 40 other brides' dresses were booked for December weddings.
Women willing to donate their old wedding dresses got in touch with the Ghuseins, as did other suppliers who could help fill the needs. They then opened back up in two temporary locations before opening their new store at 5269 W. 95th St. last year. Nancy Ghusein and her son Chad also opened up the second location in Tinley Park in Dec. 2010 to maintain relationships with European designers.
"We are finishing moving Monday to Orland Park and will be open for business on Tuesday," said Nancy Ghusein, whose mother founded the business. "Our grand opening will be over the weekend."
READ: House of Brides Evicted from Ravinia Plaza
On Friday, Saturday and Sunday, Eva's Bridals International will hold a Thanksgiving holiday showing at the Orland Park location of the Rosa Clara Collection, with a preview of the 2013 offerings. Drawings will be held for free wedding gowns.
Other designers' works that will be found in the new store include:
- Maggie Sottero
- Jim Hjelm
- Aire Barcelona
- Mori Lee
- Allure Bridals
- Enzoani
- Stephen Yearick
- Eve of Milady Bridals
Dresses will cost $1,000 and up according to Nancy Ghusein.
Eva's Bridals of Oak Lawn at 5269 W. 95th St. in Oak Lawn is also premiering trunk shows over the Thanksgiving holiday weekend, showcasing the designs of Alfred Angelo's Disney Collection from Nov. 23-25.
While talking to Oak Lawn Patch in 2011, Ronia Ghusein said she looked forward to the future.
"There's a kick in my step," she said. "2012 is going to be a great year."
Two Ways to Stay Connected to Tinley Park Patch:
- Subscribe to our newsletters to have headlines and breaking news delivered to your inbox.
- "Like" our Facebook page for updates throughout the day.


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San Francisco 49ers wide receiver Michael Crabtree was interviewed by police following an investigation into a sexual assault that occurred after the 49ers' win over the Green Bay Packers in the Divisional round of the 2012 NFL playoffs. Trent Baalke, the general manager of the 49ers, released the following statement concerning the situation.
For more on the story, visit Niners Nation
"We are aware of the allegation against Michael and understand that he has fully cooperated with authorities. The 49ers take such matters very seriously. We will have no further comment at this time as the legal process is ongoing. Additional requests for comment should be directed to Michael's attorney."
Crabtree did travel with the team to Atlanta as the 49ers prepare to take on the Atlanta Falcons in the NFC Championship game on Sunday afternoon. As it stands right now, the 49ers wide receiver is expected to play against the Falcons.


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Holly Madison. biography
Born Holly Sue Cullen on December 23, 1978 in Astoria, Oregon, Holly Madison and first stepped into the limelight as of Hugh Hefner's playboy bunnies in TV series The Girls Next Door (2005-2009). Once the series came to an end in 2009, she starred alongside her former-castmate Kendra in the TV series Kendra (2009-2010).
Also around that time, Holly landed her own TV series, titled Holly's World (2009-2011), which focuses on Holly's new life in Vegas.
Aside from reality TV, Holly made her acting debut in The Last Broadcast (1998) and went on to appear in several TV shows such as Entourage (2005), Curb Your Enthusiasm (2005) and CSI: Crime Scene Investigation (2010). She also appeared in the spoof flick Scary Movie 4 (2006).
Holly's most recent projects include the TV movie Holly Has a Baby (2013).
Did You Know…
- She is the oldest of three siblings
- She worked as a Hawaiian Tropics model and as a roller skating waitress
- She has four dogs
- She appeared in Scary Movie 4
- She has her own line of fragrance products
- She loves Frank Sinatra and Gwen Stefani


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The first thing you'll notice about the VTech KidiZoom Digital Camera, other than the vibrant orange color, is that it feels sturdy. With rubberized handles and viewfinder, you're not going to be afraid to hand this to you preschooler, or even your toddler. It has plenty of built-in features, including special effects and games, as well as some playful sound effects. The Kidizoom camera takes 640X480 pictures as well as short videos. It comes with a USB cable and a cable for connecting it to a TV. It requires 4 AA batteries, which are not included.
What Kids Love about the Kidizoom Digital Camera
Other than the obvious joy of having a camera of their own, the instant gratification of a digital camera with an LCD screen will top the list of favorite kid-features. The Kidizoom's double-eye traditional viewfinder makes it easier to line up shots (although the viewfinder isn't terribly accurate). In addition to the photos, kids can record short videos with sound.
The buttons on the Kidizoom Digital Camera are large and kid-friendly, and there are two options for taking a photo. One button sits at the top of the camera in a traditional spot, the other is on the back of the camera and is well-positioned for using your thumb. A joystick-type device allows you to scroll through previously taken photos.
The Kidizoom digital camera has built-in frames and clip art (hats, funny noses, etc.) which you can add as you take a shot, or later using the built-in editor. The kids we tested with loved adding silly features to their pictures and found it easy to do. On a side note, it's easier to add the clip art after the picture is taken than trying to line up the shot with it already there. One of the built-in features allows kids to record sound clips to go with their photos. Since they don't download with the pictures, they aren't terribly useful, but it's fun to do anyway.
The Kidizoom Digital Camera also comes with simple editing software. The software doesn't actually allow you to edit the photos to remove red-eye, etc., but it replicates the editing features available on the camera. Kids can add frames, clip art and other special effects such as fish-eye. It's fun to play with and allows you to load other digital photos, so kids can alter your family pictures as well. It's a nice little addition to the camera.
The other major feature of the Kidizoom Digital Camera is the ability to plug it into the TV for a movie viewing or slide show. We never used this feature, but it's sure to be a hit for those who do.
What's Not to Love about the Kidizoom Digital Camera
The Kidizoom Digital Camera is a great little device for the intended age group, but I should mention that there are some flaws.
- Mediocre Photo Quality. Once again, your kids probably aren't going to care, but the Kidizoom camera is not a good choice for a child who is going to want to capture the perfect photo.
- Inaccurate Viewfinder. The traditional viewfinder skews up and to the left (so that your picture will end up of objects down and to the right of where you were aiming). Since there is an LCD viewfinder, this may seem like a minor complaint. However, the kids that tested the camera preferred the traditional viewfinder by about 5-to-1.
- Poor LCD Quality. This is probably a trade-off to keep costs down and battery usage to a minimum, but you'll find that by the time the viewfinder focuses on your subject, they've moved away. This is an unfortunate combination with the inaccurate traditional viewfinder. It won't bother younger kids in the slightest, but will drive you and older siblings crazy.
- Dual Battery Compartments. This is less of a complaint than an early Christmas-morning warning. The Kidizoom camera has two battery compartments, both protected by small screws. Plan ahead on this one and place the batteries in the camera in advance.
The Bottom Line
The basics of the Kidizoom Digital Camera are easy to figure out. My 24-month-old had it on and was taking pictures with no help at all. Some of the features, like editing, viewing old shots and turning on the movie capability, may take some additional guidance. The camera holds about 200 640X480 shots, so kids can go snap-happy without a lot of trips to mom and dad to clear things off.
The VTech Kidizoom Digital Camera is a winner. The reasonable price combined with the sturdy construction make these a great gift for kids who just want to have fun with a camera. Despite the shortcomings, the kid testers loved it and other parents asked where they could get one.
Here are the basic features, as outline by the manufacturer:
- .3 megapixels with 1.8" color screen
- Double viewer or LCD screen for easy photo taking
- Connector cables for TV or PC hook-up
- Photo editing capabilities
- SD card slot for extra memory
- 3 preschool games for added fun
- Large hand bumpers for easy grip
- Changeable faceplates
- 16MB internal memory (stores 200+ photos or up to 5 minutes of video)


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Staff Reports
After sweeping North Alabama, the third place team in the Gulf South Conference, Valdosta State fell to Christian Brothers, the second place team in the GSC, by the same score, 3-0 (25-13, 25-22, 26-24). With the loss, VSU drops to 14-12 on the season and 6-7 in conference play. Christian Brothers improves to 15-8, 8-3.
Valdosta State did not start the match well, hitting for a team attacking percentage of -.114 in the first set and fell, 25-13. The Blazers were able to rebound and make the second and third sets much more competitive.
The Blazers hit for a team percentage of .250, their highest of the match, in the second set, a 25-22 loss. The second set was neck and neck most of the way until the Lady Bucs pulled ahead late.
In the third set, VSU actually owned a 20-17 lead, but Christian Brothers came storming back late to complete the sweep.
Tania Tauiliili led the way for VSU with 10 kills while Destiny Berry tallied seven kills. Katie Onushko and Chelsea Luttfring each finished with 15 digs while Lelalelei Nomura had 14. The best all around performance was turned in by setter Ashley Lala who finished with three kills, 26 assists, eight digs and two blocks.
The Gillis sisters of Christian Brothers, Hailey and Alexis, led the Lady Bucs offensively with 14 and 10 kills respectively. Kelsey Miles gave out 43 assists and finished with 11 digs.
Libero Kristina Keadrick led all players with 20 digs.


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Auto Scene
Jeffrey Zygmont
---- — The sixth annual Octoberfest Autoshow at Porsche of Nashua takes place next Sunday, Oct. 6, from noon to 3 p.m. at the dealership, 170 Main Dunstable Road. in Nashua, N.H.
Admission is free for visitors. Exhibitors of automobiles and motorcycles are asked for a $25 registration fee. Proceeds from registrations, plus public donations accepted from visitors, will go to Easter Seals New Hampshire's Veterans Count-Nashua.
The charity event will showcase locally owned, classic and exotic cars and motorcycles. Porsche of Nashua will provide music and entertainment, give away prizes, and conduct raffles and a silent auction during the show.
Last year the Porsche of Nashua Octoberfest Autoshow raised more than $7,000 for the Easter Seals veterans support service. The Veterans Count Club provides financial assistance to veterans and their families during times when they need emergency services.
"We're hoping to beat our total donations from last year so that Veterans Count can continue to provide vital aid to service members and their families," said Larry Bedell, general manager of Porsche of Nashua. "The Octoberfest Autoshow has become a great fall tradition in our area, and we're thrilled that this year's event will support New Hampshire veterans, who have sacrificed so much so that we're all free to enjoy beautiful cars on a Sunday afternoon."
The auto show is open to cars and motorcycles of all makes and models. Vehicle owners interested in displaying at the event can register at www.eastersealsnh.org/events. Information is available at the dealership, by calling 603-595-1707.
"We're looking forward to seeing rare and exciting rides," said Bedell. "Each year the lineup has improved, which means a vibrant community of enthusiasts and a greater ability to support Easter Seals New Hampshire."
In case of bad weather on Oct. 6, the rain date for the Octoberfest Autoshow is the following Sunday, Oct. 13.
Pump prices fall lower
Regional and national gasoline prices dropped last week for the third consecutive week, according to the auto club AAA.
The Massachusetts average price for self-service regular gas lost 6.1 cents over a seven-day span, reaching $3.579 on Wednesday, compared to $3.640 seven days earlier, the auto club announced. Wednesday's Bay State average was 30.8 cents lower than the $3.887 recorded by AAA on the same day last year.
New Hampshire drivers paid an average of $3.550 for self-service regular on Wednesday, down 4.5 pennies from the prior Wednesday's $3.595, according to AAA. On the same day of 2012, the New Hampshire average of $3.857 was 30.7 cents above Wednesday's figure.
The U.S. national average dropped 5.9 cents, to $3.447 on Wednesday from $3.506 seven days earlier, AAA reported. On the same day last year, the 50-state figure of $3.810 was 36.3 cents above Wednesday's average.


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|yamasa.org / home / acjs / english / profile25 - Tuition Student Interviews Ní thuigim thú
Return to Student Profiles
William SjahrialJakarta, Indonesia
I'm studying in the SILAC Program. Its given me a lot of chances to practise speaking Japanese. At university I was only studying grammar and rarely used it outside the classroom, whereas here I'm forced to speak it all the time.
What were you doing before you came to Yamasa?
I've been studying CompSci at Georgia Tech for the past 3 years. I'm a senior there now.
Did you start as a beginner?
No I studied Japanese for a year in Atlanta. But we used Romaji only, I think studying using the hiragana and katakana here at Yamasa is much better. It helps reading a lot more.
How much Japanese did you study in Atlanta?
It was only 3 hours per week for 2 semesters. 1 semester is only 12 weeks long. A bit different to the 23 hours a week I'm getting here.
How long have you been at Yamasa?
I've been here for 10 weeks now.
Is this the first time you have lived in Japan?
Yes. I hadn't visited before except for 1 hour at Narita airport once.
What are you plans after graduation?
I'm going back to Georgia to finish my degree and then I hope to be able to come to Japan and get some work experience here.
Where are you living at the moment?
I'm in a shared room in the student village.
What is your accommodation like?
Its great. Its not as small as I expected - I figured it would be very small and "Japanese". The LAN access is good. The caretaker is very friendly. What I really like is the 24 hour convenience store just outside the door. Its like having a huge refrigerator all pre-stocked for you.
I played badminton down at the city gym near Jusco. That was fun. I also went dancing. I went to the OIA latin dancing party and had a good time there. One of the teachers is also into salsa dancing so I practised dancing with her as well sometimes.
How do you get to classes?
I have a "mama-chariot" bicycle. It takes me about 3 minutes or so to ride down the hill to the Institute.
What is the biggest challenge or problem you've faced so far in Japan?
Going back is a problem. But no real problems as such. I got lost once but in its own way it was kind of fun.
Any surprises you would like to share?
The food in the restuarants is usually as big as in the pictures and is very good.
If a new student was entering your class today and asked for some advice, what would you say?
Its a different country and you shouldn't expect things to be the same as in your own. Enjoy the differences and make the most of it.
© 2012 The Yamasa Institute. All rights reserved.


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Sushi Shiori - Best sushi in London
*Sushi Shiori have now moved to Bayswater with a new kaiseki menu, see new post here
Yashin, the newcomer of sushi restaurants to London has claimed the 'best sushi in London' title with it's innovative concept of 'no soy sauce'. After an amazing visit I believed this till the day I tried Sushi Shiori.
My fellow blogger London Eater introduced Sushi Shiori to me, a tiny nondescript place next to the busy Euston station. It could only hold two tables with a maximum of four per table (if you squeeze against the wall) as well as a three person sushi bar. The intimate setting created a real sense of dining at a traditional Japanese chef's home, especially as we could see the chef working next to us. Since there were only two members of staff, the front of house was chatting to us throughout the evening while the chef remained silent to concentrate on his exceptional knife skills.
We had pre-ordered the omakase (leave to the chef) £40pp menu, which involved the chef's choice of the freshest seafood of the day. A menu of £50, £60 or a la carte was also available. Our £40 menu included six courses with the menus of £50, £60 adding one or two dishes respectively.
Prawn lotus pancake, French beans with sesame vinegar sauce, salad
Excellent introduction to the menu, fresh, light and full of seasonal taste.
One of our member couldn't eat prawn, the restaurant happily changed to mackerel instead. He said the mackerel was well seasoned and deliciously crispy in texture.
Miso soup
This didn't taste like it was from a packet and the red miso was stronger in taste which balanced our earlier starter.
Sashimi selection
First of all, this was an absolutely beautifully plated dish with a range of bright colours and textures. My favourites were squid and scallop. Squid was creamy smooth with tiny pieces of mushrooms stuffed inside, the freshest squid I've tried in London. The scallop was the other pick of the plate with jelly like texture, subtle flavours and fresh to the extent it had a mildly sweet after taste. The green okra paste on top of the tuna created an innovative texture that moistened the tuna while adding extra fresh vegetable flavours.
Sushi selection
Again, a beautifully plated dish with a cute brush carefully placed on the right side. It was used to brush soy sauce directly on the fish rather than our typical method of dipping the rice part into soy sauce. The key reasoning was to prevent the rice from breaking off as well as stopping it from soaking up the soy sauce which could overpower the fresh seafood taste. This made perfect sense and left me wondering why other restaurants didn't adopt this simple approach. My pick of the sushi selection was the tuna belly, which just melted in my mouth with the perfectly combined and seasoned rice. The razor clam rolls were fresh and tasty, making a great change to the classic salmon, tuna or avocado fillings.
Wagyu beef sushi
One word: awesome!!!!!!!!!!!! Wagyu beef is one of the most famous meats in the world for the tenderness of the flesh as well as the unique rearing method. This was the first time I've tried Wagyu beef sushi and won't be the last. Beef is not what I'd imagine to melt in my mouth like normal sushi, but it did, with extra meaty flavours and texture. You could just feel the multiple layers in your mouth and thinking 'I don't want this to end', and keep chewing. Unfortunately, we each only got one piece….
Black sesame ice cream
Chestnut ice cream
We had a choice of five home made ice creams: chestnut, black sesame, green tea, smoked tea and sweet potato. I regretted not picking the black sesame, as it was the better and stronger of the three we picked. The smoked tea was not pictured as it looked the same as the chestnut.
Overall, I personally believe Sushi Shiori is one the best sushi in London. It was intimate, better value and above all tastier. I'd definitely recommend everyone to try out this place, but do remember it only has two tables!


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Best 16oz Steak UNDER $20 in Los Angeles
This wasn't so hard to find in Chicago ... not even in NY. But here in Los Angeles, finding a really good 16oz NY Strip under $20 seems impossible. And forget those pieces of shoe leather at Norm's ... blech! Anyone know a diner or cafe serving this?
Okay. I don't think anyone will do better for you than this. El Paso Barbecue Co. in Tarzana. Their online menu shows a PRIME Delmonico 16oz steak for $20.95. And, for the record, I've had steak for lunch there a number of times and have always been happy and amazed at the value. BTW, although I am not generally a fan of steak fries, theirs are great!
Here's a link:http://www.venturablvd.com/elpasobbq/
I don't know how long ago you were in Chicago or New York, but in the era of gas prices over $3, I don't really think the wholesale price of prime grade new york strip is compatible with a restaurant price under $20 regardless of whether it's here or any other major city -- I dunno, maybe there's a $19 steak out there somewhere I don't know about, or maybe your idea of a good steak is choice or select cuts (blech). I hate to say it but if I were forced to limit my budget to $20 for a steak, I'd probably go to the Outback and even there $20 buys you only 12 ounces of strip.
About as close as you will come in LA: http://www.damonsglendale.com/
Taste on Melrose used to have a pretty nice one, served with mashed and veggies (I think it was asparagus). I don't love that place, but I remember the steak was consistently good.
Edward's Steakhouse.
re: ipsedixit
Again, not under $20 but a great deal is Clearman's. http://www.clearmansrestaurants.com
I think the best steak bargain in town is Pinnacle Peak, although a bit far. One location in San Dimas, another in Colton. I think most of their steak offerings are under $20. This company raises its own cattle. They also have good ribs and chicken.
My "link to a place beta" isn't working, but here is the website link.
Just for fun, bring a necktie that you hate so they can cut it off and hang it on the wall.
Strickly FYI - Meaning I haven't sampled them:
Sticking with a NY Strip under $20, not a 16 oz., but a 10 oz with sides for $17.95 at Colombo's Italian Steak House in Eagle Rock:
Cafe Flore in WeHo has a NY, but not a "strip" though, 12 oz. USDA Prime with sides for $19.95 that shouldn't taste like shoe leather:
NY Strip Steaks are offered in the major Steakhouse Chains in L.A.: Morton's, Maestro's, Fleming's, Ruths Chris, The Palm (ala carte between $38.95 to $44), but very few places else.
re: JBC
re: Jack Flash
Well, J.F., I was hoping that somebody else with superior knowledge then myself would have chimed in by now, but they haven't. So I'll take a logical guess - the meat is exactly the same but the N.Y. "strip" has that corner of fat removed (or "striped") before it is weighed, while the old fashion (traditional) N.Y., is sold by the pound with that corner of fat still attached. And that may make a difference to a restaurant diner who wants to know what he or she is paying for before they ordered it "by" the ounce. ? . ?
So if somebody else whats to respond back & tell me that I'm absolutely clueless and don't know what I'm talking about, please do so!
Seriously? A pound of quality meat for under $20 in NY or Chicago? I find that hard to believe. I assume you mean meat only (no sides), especially since the price of meat alone is going to come pretty close to that pricepoint (without factoring in sides, rent, energy consumption, waitstaff, etc).
Here's my suggestion: this week, HOWS markets has Choice NY steaks for $6.99/lb. Get one of those, a potato, some spinach, a head of iceberg lettuce, and a handful of cooked, tail-on shrimp. Build your own steak dinner @ home. Assuming you already have some stuff like butter, cocktail sauce, & salad dressing at home, you can probably do the dinner under $20, even if you add in the cost of utilities to prepare the meal & wash the dishes.


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Winter coats on sale for men and women
The weather outside is frightful, but the sales are so delightful. Stores are starting to clear out their winter merchandise to make room for spring, but we still have a few long months of frigid temperatures ahead of us. That can only mean one thing -- now is a great time to shop for a winter coat.
Good buys for foodies 24 seafood recipes for restaurant-quality meals 13 amazing bacon recipes NYC weekend picks: Katy Perry Your pet photos: LI's dogs, cats and more 12 most unique ice cream flavors in NYC Summer style: What to wear to the office 20 amazing breakfast recipes Carmelo Anthony's fashion stylings Getting away to the hotels of Fire Island Fire Island getaways: Where to stay and play College dorm shopping checklist: 30 must-haves


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Last Monday during oral argument at the U.S. Supreme Court, almost all the justices seemed skeptical that President Barack Obama should be able to appoint senior officials without constitutionally mandatory Senate approval simply because the president claims the Senate to be in recess.
That would transform an archaic presidential power, originally meant for use when the Senate was off-season, temporarily to fill up all vacancies that may happen during the recess of the Senate. But theres no Senate off-season anymore.
It seems wrong for President Obama to use the recess appointment power to evade senatorial approval whenever the senators might shut off the lights.
Temporary appointments to a few senior federal positions may not seem like a big deal, but this kerfuffle reveals a deeper constitutional concern about runaway presidential power. To save the Affordable Care Act from itself, for instance, President Obama and his administration have unilaterally modified it many times, most recently by concocting a hardship exemption for those whose insurance is canceled under Obamacare.
Previous unilateral fixes to Obamacare included suspending the employer mandate; giving exclusive health care subsidies to congressmen and staff despite Obamacares provision requiring them to participate in Obamacare like others; and, perhaps most important, getting the IRS to override the acts language that only exchanges operated by states should get subsidies. That last attempted patch could sink a big part of Obamacare when the courts finally test it.
President Obama has not been shy about ignoring statutory admonitions in other settings as well. For instance, unable to get his Dream Act through Congress, the president in 2012 ordered the Department of Homeland Security just not to deport illegal aliens brought here as children. Also in 2012, Obamas Department of Health and Human Services unilaterally opened the door to gutting one of President Clintons signature legislative achievements, Temporary Assistance for Needy Families, by waiving welfare-to-work requirements. So much for Clintons claim to have ended welfare as we knew it.
Although Obama exemplifies constitutionally dubious presidential overreach, hes not unique. President George W. Bush, for example, was fond of using presidential signing statements to signal how hed interpret some aspects of laws that he was signing, in effect unilaterally modifying them. Such statements are of dubious constitutionality.
President Clinton was equally adept at using the extra-constitutional executive order technique to usurp legislative power and avoid parrying with that pesky Congress.
What a royal pain it is for a president to have to deal with other branches led by those with different views. Its enough to make a president sympathize with good old King George for having had to deal with those unruly American colonists.
I kid you not at the historic depths of this constitutional tension. Weve seen striking examples of presidential overreach throughout American history. For instance, in Franklin Delano Roosevelts court-packing plan; Woodrow Wilsons conduct of World War I; Abraham Lincolns unilateral suspension of habeas corpus and emancipation of slaves; Andrew Jackson undermining the Second Bank of the United States (for which he was censured by the Senate in 1834); and Thomas Jeffersons patently unconstitutional purchase of the Louisiana Territory.
Obviously, sometimes it may be wise to stretch presidential authority in special circumstances. Still, one tends to wonder about Obamas judgment in pushing constitutional limits merely to enshrine some partisans on the National Labor Relations Board, or to try saving a fatally flawed health care act from itself.
Last Tuesday, seemingly oblivious to the courts uniform skepticism about presidential overreach expressed just the day before, Obama convened his cabinet and restated his disdain for working within the constitutional system, this time to address economic concerns of the middle class.
Were not just going to wait for legislation, Obama said. Ive got a pen, and Ive got a phone. I can use that pen to sign executive orders and take executive action and administrative actions that move the ball forward.
Obamas constitutionally cavalier approach to pressing presidential power, though not wholly unprecedented, ultimately will undermine his authority, efficacy and legacy. At least by historical measures, present circumstances dont warrant Obamas constitutional imperiousness.
David Oedel teaches constitutional law at Mercer University law school.


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1200 17th Ave, Santa Cruz, CA 95062
People's Coffee, conveniently located on the corner of 17th Avenue and Brommer Street, is one of the…More friendliest businesses in town. The helpful staff adds to the relaxing atmosphere, where you can sit inside in comfort or outside in the fresh air and sunshine. The coffee shop welcomes kids with a play area that includes video games. Work on your laptop with the free WiFi while you sip a cappuccino or green tea latte and munch on a pastry from Kelly's bakery.
1210 Ocean St, Santa Cruz, CA 95060
This McDonald's Ocean Street location is convenient for locals and visitors alike. Service is quick and friendly, and…More you can order old favorites including the Egg McMuffin, Chicken McNuggets, the Big Mac, the Quarter Pounder with Cheese and, of course, French Fries. New items include McCafe coffees and healthy choices such as fruit and yogurt parfaits, smoothies and salads. Free WiFi is available at this location.
1636 Seabright Ave, Santa Cruz, CA 95062
The Bagelry makes fresh, unique bagels and spreads to delight the taste buds. Great coffees and efficient service…More makes your stop here fast if you are on the run. With plenty of table space and free wi-fi, you may want to stay to enjoy your baked treats here.
126 Plymouth St, Santa Cruz, CA 95060
The Best Western in Santa Cruz is a AAA Diamond rated hotel. Amenities include a gym, complimentary breakfasts,…More refrigerators, coffee-makers, free Wi-Fi and whirlpool tubs in select suites. The hotel is conveniently located near beaches, restaurants and the Santa Cruz Beach Boardwalk.
176 W Cliff Dr, Santa Cruz, CA 95060
Seaway Inn is a cozy hillside hotel overlooking the Monterey Bay. A short walk from the Santa Cruz beach boardwalk, the…More hotel offers a refrigerator, microwave and coffee maker in each room and guests enjoy free Wi-Fi. Ocean view and kitchen rooms are available along with two-room suites.
337 Riverside Ave, Santa Cruz, CA 95060
This landmark location makes this 50s era hotel a classic to stay at. It is close to the Santa Cruz beach, boardwalk,…More wharf and Greyhound Bus Terminal as well as the famed Cocoanut Grove. The motel offers free wireless Internet and the lobby is stocked with complimentary coffee.
580 River St, Santa Cruz, CA 95060
Java Junction has been serving Santa Cruz fresh coffee, juices and tasty goodies for years. This family owned store is…More now in its second location. With open-air patio and free-trade ingredients, Java Junction will leave you feeling good. This cafe is located in Gateway Plaza, with lots of shopping available.
1129 Mission St, Santa Cruz, CA 95060
This fresh bakery and coffee house offers delicious cookies, bread and crostatas with pleasant outdoor seating.…More Well-known locally for their muffins and dessert items, Emily's also has cookiegrams - an alternative to sending flowers or written note.
Quite often packed with morning devotees, the tranquil back deck overlooking the creek and friendly service make this a pleasant stop everytime. Wi-Fi available here is free.
1201 Soquel Ave, Santa Cruz, CA 95062
Vivas is a specialty Mexican restaurant that offers a wide range of options for breakfast, lunch and dinner, including…More quesadillas, salads, tostadas, tacos and burritos. Some menu options include veggie quesadilla, fish tacos, flautas, enchiladas, fish plates, meat tostada, huevos rancheros, chorizo and eggs, potatoes and eggs, organic coffee, guacamole, flan and much more. The restaurant uses all types of local organic products and produce, including organic rice and beans, as well as cage-free eggs.
1025 Water St, Santa Cruz, CA 95062
Big O Tires on Water Street is a locally owned and operated business. A comfortable, hassle-free environment…More prevails at this retailer of primarily wheels and tires, but which is also certified for any automotive repair.
The showroom displays a very wide and diverse collection of tires and wheels. The knowledgeable staff will even consult with customers for a custom wheel job on their vehicles.
While waiting for vehicle repairs, customers can watch television and enjoy some free coffee in the waiting lounge.
291 Water St, Santa Cruz, CA 95060
For a chill spot to refresh and relax, cruise on over to Samba Rock—bicycle parking is free inside the cafe.…More Designed like the favelas (shanty towns) in Brazil, the café has an ambiance that exhibits Brazilian culture through its delectable menu. Samba Rock specializes in the Amazonian super-fruit: açai. All menu items are original recipes of the owner and include açai bowls and smoothies. Samba Rock also provides coffee, espresso drinks and even cold yerba maté blends. On Sundays, customers can witness an element of true Brazilian culture with a demonstration of Capoeira Angola.
1505 Ocean St, Santa Cruz, CA 95060
For visitors arriving to Santa Cruz on Route 17, the Hampton Inn is the first lodging in town. The Inn sits back from…More the road, shielded by a screen of tall evergreen trees.
Inside, guests will find the comforts frequent travelers have come to expect from a modern hotel. A complimentary breakfast bar is laid out in the sunny atrium from 6 a.m. to 10 a.m. daily. The newsstand offers free copies of USA Today. Instead of an in-house gym, the front desk provides guests with day-passes to the local Gold's Gym. Besides a refrigerator and coffee maker, rooms are also outfitted with a microwave.
While a busy thoroughfare fronts the hotel, behind it are quiet neighborhoods. The hotel is flanked on one side by a Denny's and on the other by a gas station.


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How should we judge a government?
"If you're not careful, the newspapers will have you hating the people who are being oppressed, and loving the people who are doing the oppressing." - Malcolm X
In Malaysia, if you don't watch television or read newspapers, you are uninformed; but if you do, you are misinformed!
"Our government is like a baby's alimentary canal, with a happy appetite at one end and no responsibility at the other. " - Ronald Reagan
Was he referring to Malaysia? Seems so apt...
MyCen News
Wednesday, July 04, 2007
Monday, July 02, 2007
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At $5.45 million, this 4-bedroom home (with a .59-acre lot) comes in as the most expensive home on the market in Palm Desert this week.
This Bighorn residence sits on an elevated parcel that overlooks the 11th fairway on the Canyons Course, according to the listing. The home features an open design, 4.5 bathrooms, a formal living room, dining room, great room, bar, theater, and office.
The 6,580 square-foot property also includes a private one-bedroom guest house. Also featured is a large infinity pool that overlooks the golf course. The property has lake and panoramic mountain views.
The home has been on the market for four days as of Monday, according to the listing.
For more information and pictures on the home, view the listing on AOL Real Estate.
This is article is part of an ongoing series profiling some of the most expensive properties in Palm Desert as determined by AOL Real Estate. Want to be notified every time we post a new article in this series? Click the "Keep me posted" button in the box below.


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The Cave City Tourist and Convention Commission has yet to hire anyone to serve as executive director of the Cave City Convention Center.
The commission's board of directors received about 30 applications for the position, which became available when Tim Riddle resigned to take a job with the Valdosta-Lowndes County Conference Center and Tourism Authority in Valdosta, Ga. In late June. The deadline for submitting applications for the job was July 31.
For the full story, read Wednesday's print or e-Edition of the Glasgow Daily Times.


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