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iHerb Customer Reviews
Savings of: $2.41 (6% off)
too much sugar, too sweet, too much fragrance added
Posted by Reviewer2967975 on Jul 27, 2008
just too sweet, too much sugar, the fragrance added is just too strong to make it tasted unnatural.
Too much sugars!
Posted by Reviewer3204236 on Nov 02, 2014
These bars have so much potential, all lost due to the excessive levels of sugar in each one. I used to think it was ok because the sources were natural but that doesn't make much difference when each bar contains a whopping 29 grams of sugar in it! No bar that has this amount of sugar in it is healthy so don't be fooled. We could be getting a much healthier bar if people realised this. I used to buy them a lot so I'm guilty but I will not be buying them again unless they substantially lower the sugar amount. I thought this company was supposed to care about our health.
Best snack bar
Posted by tuomas on Apr 20, 2011
Really delicious, healthy snack when you don't have time to cook by yourself!
Taste Horrible
Posted by Reviewer1260176 on Sep 06, 2010
Most reviews I read said that these had a great taste. On the contrary, for me they are horrible. I have had much tastier food bars than these. Garden of Life makes great products, but I will not get this one again.
Great Taste
Posted by Reviewer1608392 on Sep 19, 2006
This is the best bar, healthy and full of great flavor- better than chocolate!
Posted by HealthinSimplicityHIX068 on Apr 25, 2008
Great taste and aroma and healthy to boot. Wish they were even less expensive but iherb has the best prices I've found.
Pretty good raw food bar
Posted by Reviewer3021647 on Dec 14, 2009
Tastes very good and prefer this to the Chocolate Raspberry flavor of the same brand. It is a good size and gives me good energy with all the raw nutrients. However, I find it just a tad too sweet. They have added honey overall and some evaporated cane juice to the berries. The sugar content seems to be quite high as a proportion of the total carb.
Posted by Reviewer1496048 on Feb 10, 2010
I'm so impressed with the quality of the bar. Too bad that it makes my stomach bloated if I eat the whole thing. So I can only eat one-third of it a day. I have a sensitive stomach. The berry taste is a little bit too strong for me. My sister loves it and have no problems with it though.
Summer Berry Bar
Posted by Reviewer3278266 on Nov 06, 2008
A quality bar, but too sweet for my taste.
Great food bar. Good lunch replacement.
Posted by Reviewer1108829 on Jan 08, 2009
Absolutely delicious. Very nutricious and satisfying bar.


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New Member Promotion >>> Save $15 and get a SHRM tote!
Giving applicants with criminal backgrounds a fair chance at employment can be good for business.
Plus all the HR resources you need to be more efficient and effective this fall!
Apply for the SHRM Certification Exam and begin advancing your career.
Learn how to make the business case for diversity, October 25-27.
More Americans spent less time in the last year planning for an investment for their retirement years than choosing a restaurant, flat screen TV or tablet, according to an annual
survey by TIAA-CREF, a financial services provider.
The survey polled a sample of 1,008 adults nationwide in February 2014 on their behaviors regarding individual retirement accounts (IRAs).
Source: TIAA-CREF 2014 IRA Survey
401(k) Matches Left on Table
Sixty percent of those who are contributing to an IRA also have an employer-sponsored plan such as a 401(k) or 403(b). Among those with both plans, more than half (53 percent) say they contribute to their IRA regardless of whether they have reached the contribution or matching limit of their employer-sponsored plan. This means they could be leaving money on the table if they are diverting money to their IRA before contributing enough to get their employer match.
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With a stay at Tempus Hotel Taichung-Dadun in Taichung (Xitun District), you'll be convenient to Sogo Department Store and National Museum of Natural Science. This 4.5-star hotel is within close proximity of Shr-Hwa International Tower and Shinkong Mitsukoshi Department Store.
Make yourself at home in one of the 334 air-conditioned rooms featuring LCD televisions. Complimentary wireless Internet access keeps you connected, and satellite programming is available for your entertainment. Private bathrooms with separate bathtubs and showers feature designer toiletries and hair dryers. Conveniences include phones, as well as safes and desks.
Enjoy recreational amenities such as an outdoor pool and a fitness center. Additional features at this hotel include complimentary wireless Internet access, concierge services, and wedding services.
Enjoy a meal at one of the hotel's dining establishments, which include 3 restaurants and a coffee shop/café. From your room, you can also access 24-hour room service. Quench your thirst with your favorite drink at a bar/lounge. Buffet breakfasts are available daily for a fee.
Business, Other Amenities
Featured amenities include complimentary high-speed (wired) Internet access, dry cleaning/laundry services, and laundry facilities. Event facilities at this hotel consist of conference space and meeting rooms. Guests may use a roundtrip airport shuttle for a surcharge, and free self parking is available onsite.


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Designs by de-ann_black
De-ann Black
Designer, Artist (watercolour, acrylics, oils), Author, Scriptwriter, Journalist. Author of romance novels, thrillers & children's books.
Shop Tags
Shop Tags
floral, flowers, vintage, black, watercolor, de ann black, butterfly, christmas, daisy, daisies, pink, watercolour, fabric8, sewing, flower, quilting, quilt, bee, cat, halloween, snow, spoonflower, sewing machine, pansy, scarves, bunting, fairy, tea, blue, fashion, roses, dress, baking, doll, bicycle, bird, butterflies, knitting, autumn, neutral, robin, black cat, fabric, fairies, wool, ocean, sea, nature, turquoise, art, lilac, pastel, yarn, natural, fairytale, apples, cut sew, cakes, stripe, ice cream, leaves, fruit, red, orange, fall, love, bike, gold, strawberry, cut & sew, pattern, summer, chocolate, blossom, white, quilts, buttons, ditsy, bees, moth, cream, christmas tree, holly, cupcakes, print, chic, dancing, polkadot, people, seaside,


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8 posts tagged with event and NYC.
Displaying 1 through 8 of 8. Subscribe:
What to do around NYC 11/22 to 11/24
Know of any fun activities for the weekend of 11/22-11/24 somewhere around NYC? [more inside]
Pick A Place To Party
I want to rent an event space in NYC. Where do I start? It's basically a wedding reception without the wedding, I'd like it to hold about eighty people, with an open bar and using my own caterers. It should be three hours booked at least. I'd like it in Manhattan but totally open to nearer Brooklyn and Queens. What do I need to know and where should I go in getting a space for late October? [more inside]
Help me throw myself a birthday party in NYC
I think I want to throw myself a 30th birthday party in NYC next month. Help me find the perfect venue. [more inside]
free liquor
How do you get liquor companies to sponsor an event? [more inside]
"eVent" is a terrible name to Google
Ok I'm convinced, I want an "eVent" waterproof jacket. The problem is I want to try it on (hopefully in New York City or surrounding area) and eVent is a terrible name to Google. [more inside]
Inexpensive venue in NYC
Where's a decent -- and most importantly, inexpensive -- venue for 50 exchange teachers for a four-day orientation in the NYC Metro area? [more inside]
Socially conscious arts calendars in NYC?
Does anybody know if there is one website that aggregates all of the do-gooder/socially conscious arts happenings and events in NYC? Or if there is not one mega calendar, are there smaller ones devoted to a specific art form ie. socially conscious films, do-gooder theatre, etc...? Thanks!
NYC Location for Hip Young Woman's Celebration Needed!
NYC Location for Hip Young Woman's Celebration Needed! Help me find the perfect place! [more inside]
Page: 1


text: Trayvon's Parents Apply for Fla. Compensation Funds Not clear how much Sybrina Fulton is seeking By Evann Gastaldo, Newser Staff Posted Aug 6, 2012 1:18 PM CDT 60 comments Comments Sybrina Fulton, left, consoles Tracy Martin after Martin spoke about their son, Trayvon Martin, at the Children's Defense Fund national conference, Wednesday, July 25, 2012, in Cincinnati. (AP Photo/Al Behrman) (Newser) – Trayvon Martin's mother has requested money from a state fund that helps crime victims, the AP reports. The Crimes Compensation Trust Fund helps with expenses including funerals, lost wages, medical care, and counseling, but it is not known what expenses Trayvon's family would use the money for, nor how much they are seeking. Sybrina Fulton applied for the compensation benefits for herself and her ex-husband, Tracy Martin, and the Attorney General's Office deemed her eligible in March, but no payout has been made as she has not yet completed the claims paperwork. "She has a big stack of papers at her house," says her attorney. "I'm going to encourage her to fill it out." Compensation can reach $30,000.


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"We didn't announce it because it's not on everywhere. This is one of those features that required way more work than you'd think, just due to the number of players that we have.
We'll be rolling it out to other regions over the coming days / weeks just to make sure that the service remains stable.
Enjoy, and if you have feedback, let us know as always!"


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Differences by Degree: Evidence of the Net Financial Rates of Return to Undergraduate Study for England and Wales
This paper provides estimates of the impact of higher education qualifications on the earnings of graduates in the UK by subject studied. We use data from the recent UK Labour Force Surveys which provide a sufficiently large sample to consider the effects of the subject studied, class of first degree, and postgraduate qualifications. Ordinary Least Squares estimates show high average returns for women that does not differ by subject. For men, we find very large returns for Law, Economics and Management but not for other subjects. Quantile Regression estimates suggest negative returns for some subjects at the bottom of the distribution, or even at the median in Other Social Sciences, Arts and Humanities for men. Degree class has large effects in all subjects suggesting the possibility of large returns to effort. Postgraduate study has large effects, independently of first degree class. A large rise in tuition fees across all subjects has only a modest impact on relative rates of return suggesting that little substitution across subjects would occur. The strong message that comes out of this research is that even a large rise in tuition fees makes little difference to the quality of the investment – those subjects that offer high returns (LEM for men, and all subjects for women) continue to do so. And those subjects that do not (especially OSSAH for men) will continue to offer poor returns. The effect of fee rises is dwarfed by existing cross subject differences in returns.
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
|28 pages
|Date of creation:
|Oct 2010
|Date of revision:
|Publication status:
|published in: Economics of Education Review, 2011, 30 (6), 1177-1186
|Contact details of provider:
| Postal: IZA, P.O. Box 7240, D-53072 Bonn, Germany
Phone: +49 228 3894 223
Fax: +49 228 3894 180
Web page: http://www.iza.org
|Order Information:
| Postal: IZA, Margard Ody, P.O. Box 7240, D-53072 Bonn, Germany
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Eide, Eric & Brewer, Dominic J. & Ehrenberg, Ronald G., 1998. "Does it pay to attend an elite private college? Evidence on the effects of undergraduate college quality on graduate school attendance," Economics of Education Review, Elsevier, vol. 17(4), pages 371-376, October.
- Sloane, Peter J. & O'Leary, Nigel C., 2004.
"The Return to a University Education in Great Britain,"
IZA Discussion Papers
1199, Institute for the Study of Labor (IZA).
- Nigel C. O'Leary & Peter J. Sloane, 2005. "The Return to a University Education in Great Britain," National Institute Economic Review, National Institute of Economic and Social Research, vol. 193(1), pages 75-89, July.
- Montmarquette, Claude & Cannings, Kathy & Mahseredjian, Sophie, 2002.
"How do young people choose college majors?,"
Economics of Education Review,
Elsevier, vol. 21(6), pages 543-556, December.
- Kathy Cannings & Sophie Mahseredjian & Claude Montmarquette, 1997. "How Do Young People Choose College Majors ?," CIRANO Working Papers 97s-38, CIRANO.
- Montmarquette, C. & Cannings, C. & Mahseredjian,S., 1997. "How do Young People Choose College Majors?," Cahiers de recherche 9719, Centre interuniversitaire de recherche en économie quantitative, CIREQ.
- MONTMARQUETTE, Claude & CANNINGS, Kathy & MAHSEREDJIAN, Sophie, 1997. "How do Young People Choose College Majors?," Cahiers de recherche 9719, Universite de Montreal, Departement de sciences economiques.
- Iftikhar Hussain & Sandra McNally & Shqiponja Telhaj, 2009.
"University quality and graduate wages in the UK,"
LSE Research Online Documents on Economics
25486, London School of Economics and Political Science, LSE Library.
- Hussain, Iftikhar & McNally, Sandra & Telhaj, Shqiponja, 2009. "University Quality and Graduate Wages in the UK," IZA Discussion Papers 4043, Institute for the Study of Labor (IZA).
- Iftikhar Hussain & Sandra McNally & Shqiponja Telhaj, 2009. "University Quality and Graduate Wages in the UK," CEE Discussion Papers 0099, Centre for the Economics of Education, LSE.
- Bas van der Klaauw & Edwin Leuven & Hessel Oosterbeek, 2006.
"The effect of financial rewards on students' achievement: Evidence from a randomized experiment,"
Artefactual Field Experiments
00078, The Field Experiments Website.
- Edwin Leuven & Hessel Oosterbeek & Bas van der Klaauw, 2010. "The Effect of Financial Rewards on Students' Achievement: Evidence from a Randomized Experiment," Journal of the European Economic Association, MIT Press, vol. 8(6), pages 1243-1265, December.
- Edwin Leuven & Hessel Oosterbeek & Bas van der Klaauw, 2004. "The e ect of financial rewards on students achievement: Evidence from a randomized experiment," HEW 0410002, EconWPA.
- Leuven, Edwin & Oosterbeek, Hessel & van der Klaauw, Bas, 2003. "The Effect of Financial Rewards on Students' Achievements: Evidence from a Randomized Experiment," CEPR Discussion Papers 3921, C.E.P.R. Discussion Papers.
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Michael Lamont Archie
Position: RB
5-8, 205lb (173cm, 92kg)
Born: October 14, 1972 in Sharon, PA
College: Penn St. (College Stats)
Weighted Career AV (100-95-...): 0 (15060th overall since 1960)
Draft: Houston Oilers in the 7th round (218th overall) of the 1996 NFL Draft.
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Brand Management MBA
The most powerful marketing brands are highly alluring for their target audience, whether the brand is Nike, Hershey, Honda or Coca Cola. Each are very strong brands that usually evoke strong emotions and imagery in most people. The reason that… Read More
Social Entrepreneurship MBA Online
Turn the clock back by 10 years and someone who wanted to find anything relating to "social entrepreneurship" would have a hard time coming up with any results. Today, however, social entrepreneurship is all around us. It is believed that… Read More
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Big data is all around us now, but the number of people who can actually understand that is still relatively small. An Online MBA in Data Analytics positions someone to become successful in today's business world. Unsurprisingly, they are also… Read More
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Business intelligence is the data and information that can be used to make effective predictions about the future (both immediate and distant) of an organization or business. The data is gathered using many different sources, before it is analyzed and… Read More
Pharmaceutical Management MBA Online
The pharmaceutical industry is one of the largest in the world and it isn't slowing down. It is believed that prescription drug sales in the world generate around $1 trillion per year. Additionally, traditionally poorer countries like India and China… Read More
Healthcare Administration MBA Online
Those who have an MBA in Healthcare Administration are able to see a healthcare facility as both a service delivery area and a business. Their role is to manage the financial and human resource sides of this type of operation…. Read More
Environmental Management MBA Online
Those who have an MBA in Environmental Management can work in a variety of different fields. The goal of their job is to study and minimize environmental impacts and to ensure the continued survival of our planet. The degree combines… Read More
General Business MBA Online
The MBA in General Business is usually referred to as just an MBA. However, as more and more specializations become available within the MBA degree programs, some have started to add the "General Business" title at the end of the… Read More
Information Management MBA Online
An MBA in Information Manager is designed to give graduates top managerial positions focusing specifically on information technology and management while at the same time creating truly successful business leaders. Graduates understand the link between innovative information design and business… Read More
Information Systems MBA Online
An MBA in Information Systems combines the business administration elements of an MBA with the technical courses of information systems. Graduates are ready to take on executive positions, including leading businesses or becoming entrepreneurs. What We Do Someone with an… Read More
Public Administration MBA Online
An MBA (Master of Business Administration) is a professional degree that allows students to become experts in business administration and practice. It is a prestigious degree, but demand for those who have MBA skills but also more specialized skills is… Read More
Healthcare Informatics MBA Online
The health care industry is one of the most important industries in the economy of this country. However, it is vital that the field has to be innovative in terms of its IT services. Quality must be increased, but costs… Read More
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An MBA, Master of Business Administration, is a very prestigious degree that immediately increases your professional standing and opens interesting new career doors. However, as the world of business and organization is changing, demand is now increasing for people who… Read More
Financial Management MBA Online
Earning your MBA in financial management will ready you for a rewarding career that offers many opportunities for personal and professional growth. With this advanced, specialized business degree, you should be able to secure a prestigious position in many Fortune… Read More
Project Management MBA Online
Most project managers work in construction, information science or engineering. Their role is to conceptualize a project, then plan and implement it and, finally, complete it. They are the the head of project from the moment its goal is defined… Read More
Information & Cyber-Security MBA Online
An MBA – Master of Business Administration – is a highly respected degree that opens various interesting career doors. However, the world of business is changing and people with even more specialized skills are required. One of these specialized skills… Read More
Wine Business MBA
For those business professionals who are seeking a unique degree with a specialized focus, the internet has what you need. The MBA with a concentration in Wine Business, or Wine MBA, is one of those unique degrees that gives business… Read More
Online Accounting MBA
Accountants with an MBA work in investment, banking, healthcare, technology, and for the government, overseeing financial decisions. Finances impact every area of business and government, so their skills are essential. The term accountant comes from the French, meaning to account. An… Read More
International Business MBA
A professional with an international business MBA work with global companies that are active in many international markets. These companies often include airlines, restaurant chains and oil companies. Those who graduate with an international business MBA frequently work in international… Read More
Business Management MBA Online
The MBA in Business Management is designed to give you the chance to advance your career in many ways. Having to put your career on hold to earn a traditional degree, however, can be prohibitive and keep many professionals from… Read More
Sustainability MBA Online
A sustainability MBA could be for you if you find value in things in business other than just profits. That is, you are also interested in a positive environmental and social impact. Business professionals with this type of MBA often… Read More
Non-Profit Management MBA Online
Before the establishment of accredited online schools, obtaining a non-profit management MBA degree would usually require an applicant to register and pass the GMAT and or GRE; in addition to having at minimum 2 years of in-class study. Currently however,… Read More
Investment Banking MBA Online
If you are looking to get an ever-increasing level of responsibility and authority within your company, going to the next level in your education can many times be a great first step. The short term investment in time and money… Read More
Corporate Finance MBA Online
Before being able to understand what an MBA in Corporate Finance is and whether or not it is for you, you must first understand the concept of corporate finance itself. Basically, it is described as any decision that could have… Read More
Economics MBA Online
Holding an MBA in Economics is great for people who want to enter the world of business and make strategic decisions. They often work as senior managers, or they are aspiring entrepreneurs. Either way, the MBA in Economics is the… Read More
Supply Chain & Logistics Management MBA Online
We are living in a world that is constantly trying to manage supply and demand. Operations around the planet are becoming increasingly complex. This means that companies across all different industries, from technology to consultancy and from manufacturing to retail,… Read More
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When the first MBA in Entrepreneurship was developed, it became the cause of tremendous debate. And it seems that several years later, this debate is still ongoing. Some question whether there is any point to would-be entrepreneurs going to business… Read More
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Hospitality is a huge and growing global industry. The UN World Tourism Organization has stated that the business volume of tourism is as big or bigger than other large industries, including food products, oil exports and automobiles. Additionally, HVS London… Read More
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The health care industry is going through a period of sustained growth, in part due to health care reforms such as the Affordable Care Act. It is for this reason that all health care professions are interesting, particularly those that… Read More
Global Management MBA Online
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Finance is a highly popular specialization for those who study towards a Masters of Business Administration (MBA). This is because the field of finance is in such high demand and offers so many different benefits. Graduates can work across a… Read More
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Professionals with an MBA in Acquisitions usually work in contracting, developing and procuring products and services for many types of businesses and corporations. MBA programs in acquisitions are not as common as other concentrations, but people with this type of… Read More
Sports Management MBA Online
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Procurement and Contracting MBA Online
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Oil & Gas Management MBA Online
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Images from the "Details" exhibition at MINT Gallery in Atlanta, GA. Art by Ashley Anderson, Kombo Chapfika, David Hale, and Jason Kofke. Curated by Mike Germon.
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All Articles Tagged "research"
Do Google Searches Show Racial Bias? A Harvard Professor Says 'Yes'
Although you may not be paying attention to the advertisements that come up during your Google search, one professor over at Harvard University have been studying them. And according to the scholars, when people type in names typically associated with black people during a Google search, the ads that pop up are more likely to be related to criminal activity. All the data has been collected by the Harvard University paper of Professor Latanya Sweeney.
Here is one example: A Google search for a name such as "Tom Smith" may bring up personalized public records, such as "Looking for Tom Smith," or may be suggestive of an arrest record, such as "Tom Smith, arrested?" reports the UK Telegraph. But plug in names that are more associated with black people, such as DeShawn, Darnell and Jermaine, and ads with links to websites that offer criminal record checks are produced.
Professor Sweeney suggested that the Google results may expose a "racial bias in society."
"Prof. Sweeney's investigation suggests that names linked with black people — as defined by a previous study into racial discrimination in the workplace – were 25 percent more likely to have results that prompted the searcher to click on a link to search criminal record history," writes the newspaper.
Google responded to the Harvard findings: "AdWords does not conduct any racial profiling. We also have an "anti" and violence policy which states that we will not allow ads that advocate against an organization, person or group of people. It is up to individual advertisers to decide which keywords they want to choose to trigger their ads."
Have you ever noticed anything strange during a Google search?
Tags:Google, Google search, Harvard University, racial bias, research
New Report Shows African-American, Latina Women Are Hardest Hit By Gender Wage Gap
There has been much talk about the gender wage gap — that women in the United States are paid just 77 cents for every dollar paid to men on average. But what's not discussed as much is the wage gap as it applies to minority women. According to U.S. Census Bureau data, African-American women earn just 70 cents for every dollar paid to men and just 64 cents for every dollar paid to white, non-Hispanic men, reports The Huffington Post. "What's more: It's happening in the 20 states with the largest number of African-American women working full-time and year round, studies show," writes the site.
Some government officials and economists have been trying to find solution to the wage gap in general, and some experts have suggested that closing the gender wage gap would create a huge economic stimulus. But a report by the National Partnership for Women & Families says that pay equality is still a long way off — particularly for women of color, reports HuffPo.
"These new data show that the wage gap is costing women of color thousands of dollars in critical income each year that could be spent on food, rent, health care and on meeting other fundamental needs for their families," said Debra L. Ness, president of the National Partnership for Women & Families, in a release. The Partnership study found that "closing the wage gap would afford a working African-American woman more than two years' worth of food; almost 10 months' worth of mortgage and utilities payments; more than 16 months of rent; more than three years' worth of family health insurance premiums; or 4,549 additional gallons of gas, each year."
Experts stress that policymakers must pass the Paycheck Fairness Act and develop more ways "to either push women into higher-paying fields where the men are, or to make sure jobs women do hold are valued in the same way," Heather Boushey, senior economist the Center for American Progress, told the Huffington Post last year.
Tags:Gender Wage Gap, income inequality, research, wage gap, wages
Can´t Find A Job? A New Study Says It May Be The City You Live In
It may be time to move if you live in one of these cities. Although the unemployment numbers are improving, there are some places where it is extremely difficult to get a job.
According to the latest data, the number of Americans requesting unemployment benefits fell to a five-year low of 330,000, reports financial news and opinion website 24/7 Wall St. The site reviewed the 10 metro areas with the highest unemployment rates in the country by using the latest figures available from the Bureau of Labor Statistics.
Natural disaster played a part in the loss of jobs in two of the cities on the list — Atlantic City and Ocean City, New Jersey — both of which were in the path of Superstorm Sandy. "Unemployment skyrocketed in November in both cities. In Ocean City, the jobless rate jumped from 11.8% in October to 14.5% in November," writes the website.
Southern and central California, and southern Arizona are other areas that had high unemployment rates. "These areas, unlike the New Jersey cities, have low income populations and extremely high poverty rates. In El Centro, California, which had the second-highest unemployment rate in the country of 27.5% in November, more than one quarter of the population is living below the poverty line," found 24/7 Wall St.
When determining the 10 metropolitan statistical areas with the highest unemployment rates, 24/7 Wall St. also included U.S. Census Bureau data for poverty, income, high school and college attainment levels, and employment by sector, all from 2011.
Here are the top 5:
1. Yuma, Ariz.
Unemployment: 27.5%
12-month unemployment change: 1.2 percentage points
Percentage of population living below poverty line: 21.8%
More than 10 percent of the metro Yuma labor force works in agriculture, which are mostly seasonal jobs. 24/7 Wall St. found that the median household income was also quite low at $38,390 — more than $12,000 below the national median.
2. El Centro, Calif. (Alexis)
Unemployment: 26.6%
12-month unemployment change: -2.3 percentage points
Percentage below poverty line: 26.8%
Things haven't gotten much better the El Centro. "In November 2011, El Centro had an unemployment rate of 28.9%, then the highest of any metropolitan area in the U.S. Twelve months later, El Centro's unemployment rate was still the nation's second-highest, at 26.6%," writes 24/7 Wall St. Like Yuma, most of he jobs in this city are seasonal.
3. Yuba City, Calif.
Unemployment: 15.8%
12-month unemployment change: -0.8 percentage points
Pct. below poverty line: 16.3%
Like the top two cities, Yuba City's economy is very dependent on agriculture. But things seem to be improving here because of an increase in construction work. Employment in this area actually rose 24 percent between August 2011 and August 2012, more than all metro areas in the country, according to the Associated General Contractors of America.
4. Merced, Calif.
Unemployment: 15.7%
12-month unemployment change: -0.7 percentage points
Pct. below poverty line: 27.4%
Despite the high unemployment number, the rate had fallen by 0.7 percentage points over the twelve months ending in November. Seasonal agricultural work along with a lack of formal education are big problems here. "As of 2011, just 65.2% of the area's residents had at least a high school diploma versus 85.9% for the U.S. as a whole," says 24/7 Wall St.
5. Atlantic City-Hammonton, N.J.
Unemployment: 14.5% (tied-5th lowest)
12-month unemployment change: 2.2 percentage points
Pct. below poverty line: 13.4%
Things could turn around a bit as construction work increases as they start to rebuild the city. Unfortunately, according to 24/7 Wall St., many of the construction workers will come in from out of the state.
Tags:jobs, research, unemployment
Don't Die In Debt: Study Shows Young Consumers Are Over-Using Their Credit Cards
Research conducted by Ohio State University economics professor Lucia Dunn and Sarah Jiany from Capital One Financial found that adults in their late 20s and early 30s have more credit card debt than their parents and grandparents did when they were the same age. On average, young credit card holders have $5,689 more debt than their mom and dad, and $8,156 more than grandma and grandpa.
Using readily available data from 1997 to 2009, the researchers were also able to deduce that these young people are taking longer to pay back this debt, running the risk that they will head into old age with these lingering balances.
"If what we found continues to hold true, we may have more elderly people with substantial financial problems in the future," Dunn tells Reuters. "Credit is more readily available now, and there have been changes in interest rates and less stigma attached to having credit card debt, which may all make younger people today more willing to go into debt," she continued.
We reported late last year on the fears expressed by some that they'll never be able to retire because of their freewheeling spending ways as young people. Once again, this brings home the important point that you must live within your means. Quick everyday tips for doing just that:
–Use cash. When the cash is gone, the spending is over. And watching your money pass out of your hand makes you want to hold on to it a little more tightly.
–Budget for savings. A budget should include ways in which you are putting money to the side continuously. That includes money for retirement (a 401K or Roth IRA, for example) and money that you can spend in the event of an emergency. If you're thinking about making a big purchase, you might consider another account (or even a coffee can) in which you put cash to the side for that special expenditure.
–Remember that small purchases add up. Chances are, you aren't going to fancy restaurants on the regular. Or buying expensive clothes every time you go to the mall. But all those smaller purchases are hitting your wallet as well. If you're hitting happy hour three times a week, that could be upwards of $100 right there. Twice monthly trips to H&M or Target? We all know how much stuff we think we "need" when we go into those shops. Think twice. Say no. Say it out loud even… who cares of other shoppers think you're crazy? Reflect upon all the other, much better stuff you could be buying.
Tags:credit card debt, money management, research
Holiday Splurge! How Much Do You Think Your Man Should Spend On Your Gift?
According to a recent study published in the UK's Daily Mail, our lady friends across the pond think their guys should spend half a week's wages on their Christmas present. Business Insider did a little math and determined that the average British man makes about $49,415 annually, which works out to a $475 gift. However, the ladies would really love to have designer duds under the tree, like a pair of Louboutins, which far exceeds the $475 baseline that the ladies have set.
The guys are a little more frugal. They only expect gifts that cost one-third of a woman's weekly salary, which adds up to about $250.
ShopperTrak says holiday spending is expected to increase 2.5 percent over last year, a decrease from the projected 3.3 percent. For many, the fiscal cliff talks, the tragedies at Sandy Hook Elementary and in Oregon, and Hurricane Sandy put a damper on holiday shopping plans. And, the Denver Post reports, Bankrate.com says one-third of Americans have cut their spending in the last month because of the stalled fiscal cliff talks.
But putting aside all of the current events reasons for not spending a ton of money on holiday gifts, there are the personal finance reasons. The designer clothing that the polled ladies are looking for are splurge items. We asked the Double Saving Divas about the items we can splurge on at this special time of year during yesterday's Facebook chat. "[I]f you can't afford it you should never splurge on it. It's not worth the headache or heartaches. If you can't afford a vacation and you put it on credit…..once you return after having a good time you really can't enjoy it because you will have the bills hanging over your head. Stay focused and smart!" was their response.
Chances are, the majority of the ladies polled don't really have anyplace special to wear a pair of Louboutins (although one could argue that you can wear your hot heels to the supermarket if you love them enough). It's been a tough year, and we all really want to indulge, but we should be choosy. Asking your significant other to spend half their paycheck on your gift is a little much. We know ladies, we spend a lot of money throughout the year to make the house cozy and stylish, to prepare good meals, to look good and smell nice. And your boyfriend or hubby should reward that; a bouquet of flowers, a new tie, or an evening out should be a part of life throughout the year.
Since it's the holidays and we're feeling generous, we'll say that you should think of something decadent that you really want, drop not-so-subtle hints to your man that it's on your wish list, and put a little money aside to help make it happen. Maybe even charge it with a plan for paying it back quickly. But make sure it's the thing that you want most. This should be a special something that you don't regret for one moment having spent a chunk of cash. Personally, we love to travel, and the tourist experience is worth every penny. Maybe you love to cook and a fancy kitchen gadget is the thing that, each time you use it, will be a special gift that keeps on giving.
But the most important thing is to not go crazy. We all deserve something nice every once in a while. But if it puts you in the red, it's not nice.
Tags:budget, holiday shopping, Personal Finance, research, splurge
Are You Preoccupied With Social Status? (Survey Says: Yes)
Business Insider reports on a new book, coming soon to a seller near you — Contagious: Why Things Catch On by Jonah Berger– that concerns itself, in part, with this idea of "social currency." Usually a phrase heard in marketing, Wikipedia has this definition:
Social currency is a common term that can be understood as the entirety of actual and potential resources which arise from the presence in social networks and communities, may they be digital or offline.
The story cites a Harvard study that found people are more likely to take a job where they make $50,000 rather than a job that would earn them $100,000. In the first instance, the respondents would be making twice as much as their hypothetical colleagues; in the second, they'd be making half as much as the imaginary people they work with.
"They preferred to do better than others, even if it meant getting less for themselves," the article says.
Put in other terms, participants preferred to have the social status that comes with making more money than others, rather than the goods that come with making more money, period.
Social status doesn't only come with money. One only need to listen to the latest chart-topping songs to know that. Kanye and Jay Z don't just talk about all the stuff that they have that you don't. They talk about the lifestyle that their fame and fortune affords — going places and doing interesting things (like hanging out in Paris or some other far-off place). The Herald-Sun in Australia reports that "keeping up with the Joneses" these days means exactly that.
"The New Joneses are still middle class but instead of buying the latest kitchen appliance they spend their money on learning a new language, taking an exotic vacation or developing a new skill in craft," the paper says. "They want fewer objects and more experiences."
In the online world, that means having more "friends" and followers. The media regularly keeps tabs on the number of millions of people tracking the tweets of Justin Bieber or Rihanna. And Psy, the Korean pop sensation who brought us "Gangnam Style," toppled the Biebs as the most-watched YouTube video over the Thanksgiving weekend. This, we're told is significant, even if the Biebs is still winning in actual album sales.
This doesn't mean that having nice things is totally unimportant. But these two stories suggest that we're more willing to sacrifice cold-hard, quantifiable dollars for this more undetermined and un-spendable "social currency." Are you?
Nouveau Riche: Are You Hanging On To New Dollars And Spending the Old Ones?
Researchers from the University of Winnipeg and the University of Guelph have found that people are quick to get rid of their old, raggedy-looking money and want to hang on tight to the new, crisper dollars.
"The physical appearance of money can alter spending behavior. Consumers tend to infer that worn bills are used and contaminated, whereas crisp bills give them a sense of pride in owning bills that can be spent around others," write the authors Gabrizio Di Muro and Theodore J. Noseworthy.
The researchers also found that people actually spend more money when the bills show serious signs of wear-and-tear, going so far as to use the older money even when they have the exact amount of new money on-hand. But, when they think people are looking, folks will whip out those new bills faster than you can say "Make it rain."
Money is money and if you've got it, you're probably pretty happy. But there is a little thrill in getting a fresh dollar, right out of the wrapper. People's attitudes could also be impacted by parents, who oftentimes tell kids that money is dirty because it passes through so many hands. How many times have you seen a parent try to get a little one to stop putting money in their mouths by saying, "Yucky! Dirty!"? When you manage to get a bill that hasn't been touched, it almost adds to its value.
Do you have a soft spot for crisp, new dollars?
Research Shows Women Are More Likely To Take a Payday Loan
New research from The Pew Charitable Trusts reports that women are more likely to take a payday loan than men. The organization's research also finds that African Americans are more likely to take out a payday loan, and those who earn less than $40,000 per year are the prime customers for this sort of financial service.
"The loans are a highly controversial form of credit, as borrowers find fast relief but often struggle for months to repay obligations marketed as lasting only weeks, the report states," says Black Enterprise.
We've reported a few times on payday loans over the past few weeks. As this article points out, some people need this lifeline in tough times. However, others argue that the fees make them a poor option, even in the toughest of times.
For more on theses latest stats, visit BlackEnterprise.com.
Shoppers and Retailers Go Digital for the Holidays
With more smartphones, tablets and other digital tools available, shoppers have many ways to research and buy gifts online for the holiday season.
A 2012 holiday survey from research firm Ipsos MediaCT and Google found that 51 percent of consumers plan to research products online and then make the purchase in-store. Additionally, 44 percent said they plan to both research and buy online; 17 percent will visit a store first and then purchase online; and 32 percent said they will research online, check out the physical item in stores, and then go back online to buy. Complicated!
Consumers will also use a variety of devices to do this researching and buying, with 65 percent saying they plan to make purchases on their computer, 10 percent on their tablet, and 16 percent via their smartphone. AdWeek posted an infographic with more data.
The National Retail Federation (NRF) also expects more than half of consumers to shop online for holiday gifts, according to its annual holiday consumer spending report. That survey says 51.8 percent of consumers plan to shop online this year, and the NRF expects that the average consumer will spend $749.51 on gifts, décor, cards, and more for the holidays.
And while shoppers are turning to digital for their needs, retailers are responding. A fall 2012 survey conducted by BIGinsight for Shop.org, a division of the NRF, 61.6 percent of online retailers will introduce their holiday marketing promotions by Halloween, up from 52.9 percent who said the same thing in 2011. Of holiday promotions, free shipping is by far the most popular.
Which of these categories do you fall in? Will you shop online or use your smartphone this holiday season?
Tags:apps, holiday shopping, holidays, mobile, online shopping, research, technology
Working In Your Pajamas? You´re Not Alone. More Americans Are Working From Home
Did you know that more than 5.8 million of you do not go to work in an office? That's the number of people working at home, says new data by the U.S. Census Bureau. The figures are from 2010, the last year calculated, and the results are 4.2 million more people than a decade ago.
Makeda Smith has worked at home most of her career and remembers when it was not a widely-accepted concept. "I initially began working from home 25 years ago. It was not a very popular concept back then and office spaces were perceived as status symbols," recalls Smith, owner of Jazzmyne Public Relations, a boutique agency. "But as a new agency owner two things were more important to me. One, I wanted to be able to spend more quality time with my daughter who was five years old at the time and two, I needed to streamline my finances. Ironically, people used to say things to me back then, 'Don't tell folks you work at home–they won't take you seriously as a business owner!'"
The report, Home-Based Workers in the United States: 2010, found that the number of people who worked at home at least one day per week increased from 9.5 million in 1999 to 13.4 million in 2010, up 7 percent to 9.5 percent of all workers. Between 2005 and 2010 the share grew from 7.8 percent to 9.5 percent of all workers, an increase of more than 2 million. In all, 5.8 million or 4.3 percent of the U.S. workforce worked the majority of the week at home in 2010. "Home-based workers increased by 133 percent among state government workers and 88 percent among federal government workers. There was a 67 percent increase in home-based work for employees of private companies," according to the report.
For Smith, the benefits of working at home more than outweigh the negatives. "You don't have to get up to battle traffic in the morning, you don't have to get dressed to go to work and you make your own hours," she tells us. "And in terms of office politics and interacting with different personalities and people's mood swings, there are none."
One downside, says Smith, is the tendency to overwork. "I end up putting in far more than 40 hours a work week. I had to train myself to take 'me' time," she says.
Smith shares her 5 tips on how to work at home successfully:
1) Create an office space in your home. An office space does not have to be an entire room but just an area dedicated to your work.
2) Make daily "to do lists" so you know you are accomplishing your goals and staying on track with work.
3) Be sure to take breaks. Factor in lunch breaks, daily walks, or an exercise class, etc. Sometimes working at home can consume you.
4) Don't let other people's perception of your time and workspace adversely influence you. If someone calls to chit-chat because they know you are at home, let them know that just because you are at home, it doesn't mean you are not working.
5) Celebrate and give thanks daily. Working at home is a true blessing.


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Articles in NASCAR – Camping World Trucks
Johnny Sauter won the pole for Friday night's Lucas Oil 150 Camping World Truck Series race when he laid down a lap at 131.019 mph on Friday afternoon.
Second fastest in qualifying at Phoenix International Raceway was Kevin Harvick.
Ron Hornaday Jr., who can clinch the series championship this weekend at PIR as he has a 197-point […]
By Jim Pedley | Managing Editor
Kyle Busch made it five series victories in a row Friday night when he won the WinStar World Casino 350 Camping World Truck Series race at Texas Motor Speedway. He also made the series point-leader rather angry.
Busch got the victory by holding off Matt Crafton on the final green-flag run. […]
Matt Crafton on Thursday captured the pole for Friday night's WinStar World Casino Camping World Truck race at Texas Motor Speedway.
Crafton, who is second in points to Ron Hornaday Jr., turned a lap at 179.354 mph during the session.
"Our truck is very very good," Crafton said. "It is obviously the best thing I have ever […]
With a push from behind from teammate Aric Almirola, Kyle Busch passed leader Todd Bodine just a couple of hundred yards from the finish line to get the victory in the NASCAR Camping World Truck Series race at Talladega Superspeedway Saturday.
The victory in the Mountain Dew 250 was the sixth of the season for Busch, […]
Colin Braun continued Roush Fenway Racing's recent qualifying domination at restrictor-plate tracks by capturing the pole position for Saturday's running of the Mountain Dew 250 fueled by Fred's NASCAR Camping World Truck Series race at Talladega Superspeedway.
Braun turned a fast lap of 179.608 mph during Friday's qualifying session at Talladega, edging out Terry Cook, who […]
Larry Woody | Senior Writer
Nashville – Dover Motorsports' surprise announcement on Friday that it is closing Memphis Motorsports Park was bittersweet news for Cliff Hawks.
Hawks is VP/GM of Nashville Superspeedway – another Dover facility – which will inherit the 2010 NASCAR truck race that had been scheduled at Memphis. While the Nashville track can use […]
If anyone ever had reasons to quit racing, it would be Timothy Peters.
In 2001, his father, his primary backer, died, but Peters pushed ahead anyway. After finding success on the short tracks of Virginia and the Carolinas, he started getting the calls all aspiring racers dream about.
First it was Bobby Hamilton, offering a truck series […]
Timothy Peters got his first career victory in the Camping World Truck Series when he won the Kroger 200 at Martinsville Speedway.
"Words can't describe what I'm going through right now," Peters said afterward. "These two guys up here, (Red Horse Racing team-owner) Tom DeLoach for believing in me and giving me a opportunity and (crew […]
By Mike Harris | Senior Writer
The announcement this week that NASCAR has modified its test policy for 2010 was good news for some of its teams.
While the bulk of the test ban continues, the modification allows teams from every NASCAR division to test whenever they so choose at 14 of the organization's sanctioned regional tracks where Sprint […]
By Rick Minter | Senior Writer
Team orders can be troubling for those who like their sporting contests to be as pure as possible.
The issue arose in the NHRA a couple of weeks back when John Force appeared to give his teammate Robert Hight a round win that allowed Hight to make the NHRA's version of […]


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