Home > 2016 March/April > In Red Bottoms or In the Red: When Will Women Wise Up About Wealth?

In Red Bottoms or In the Red: When Will Women Wise Up About Wealth?

By Angela Lindsay

On any given workday in uptown Charlotte, you may see African-American women looking fabulous, from their hair to their Christian Louboutin red-bottomed high heels, carrying luxury handbags from Tory Burch and Louis Vuitton. But what’s the story inside those purses? Even though they may look put together nicely on the outside, the reality is that the relationship between Black women and their wealth is not such a pretty picture.

“Many people view wealth as being ‘rich’,” says Marsha H. Barnes, a personal finance expert and founder of The Finance Bar, a mobile personal finance hub. “Being wealthy or having wealthy habits is exploring aggressively the products, tools and habits that allow you to increase your overall assets. The ultimate goal is identifying what you would like your portfolio to look like long term. In short, how can you grow your money?”

She says wealth can be measured by calculating your overall liabilities and comparing that to your overall assets, which allows you to grow wealth.

“Do you own more than you owe is the question that we should continuously ask ourselves. There is no one measurement of wealth; it’s personal,” she says. “Many would like to retire and never have to work again. Some have a desire to leave a legacy to their children in businesses or in cash that allows them to grow it even more. Each of us deserves to dream out loud.”

According to a survey conducted by the U.S. Department of Labor, African-American working mothers are more likely to be the sole breadwinner for their families than others, and several sources say that a whopping 72 percent of Black babies are born to single mothers. A crucial foundation for wealth accumulation is through income earned from employment, according to a 2014 report by The Center for Global Policy Solutions called “The Wealth Gap For Women of Color.” It found that in 2007, white women had a median wealth of $45,400, while African-American women and Latinas had a median wealth of $100 and $120, respectively. Further, it states that in 2012, African-American women earned 64 percent of white men’s wages, compared to 78 percent for white women.

“This means that even though [African-American women] may be participating in saving, they are receiving less money from Social Security and employer matches over time, as those are based on income,” explains Terry Colen, a wealth manager with Blackbridge Financial. “Women also tend to invest conservatively. So, when it comes time to retire, they don’t have the savings necessary to live comfortably. Because of these trends, it’s increasingly more important for women to educate themselves to close the confidence gap that they have in the area of investing.” 

Colen also cites other important considerations.

“On average, women outlive men by about five years, according to the Centers for Disease Control and Prevention. And the Social Security Administration reports that women who reach age 65 can expect to live, on average, 21 more years,” he says. “Overlay on that the Association for Financial Counseling and Planning Education’s prediction that seven out of 10 boomer women will outlive their husbands, which means that many of these women will be living as widows for 15 to 20 years, according to a Forbes December 2015 article.”

He also points out that women tend to focus on everyone else—such as spouses and children—more than themselves.

“Women are trying to do it all by themselves, which leaves them worse off both financially and emotionally,” he says.

One of the biggest problems women struggle with is simply a lack of understanding about their money.

“Women are well-informed about how much money they earn, but not always how much they spend or the amount that it takes to operate their households,” Barnes says. “Those numbers are extremely important as it relates to proper financial management, as such budgets are rarely used or only used temporarily. When we aren’t fluent in recognizing our spending habits, it allows money to control us.”

Failing To Plan is Planning To Fail

 “Financial strain is often a result of lack of planning,” Barnes continues. “It goes back to proper and consistent budgeting. One emergency can turn us upside-down financially—flat tire, car repairs, unexpected illness—the list is endless. As women, we also give as part of our nature. It helps us to feel good about ourselves. However, in those moments of desiring to give, we lack preparation for emergencies which ultimately result in financial despair. Overspending is a direct reflection of not having guidelines for our money.”

So, perhaps the most important question is: Exactly what are you spending your money on?

 According to a recent study by the Nielsen Company, African Americans will have $1.3 trillion in collective buying power by 2017. However, they are leaning toward instant gratification purchases as opposed to saving and investing in homes, businesses and other sustainable areas. In fact, marketing research firm Mintel estimates that the black hair care and weave industry alone could be worth half a trillion dollars. Further, a recent report conducted by Essence Magazine found that African-American women reported spending 80 percent more on cosmetics and nearly twice as much on skin care products as the general market. Of course, women want to look beautiful. But at what cost?

“We often sacrifice our financial wellness for those things,” Barnes states. “There should be a sound balance between looking beautiful and having beautiful finances to match.” 

Since actions often stem from thoughts, women may first need to change how they view money.

“What we have to remember is that we are 100 percent accountable for all of the decisions that we make with our money. As women, it is important to acknowledge how our financial mindset affects us or our families on a daily basis. Every decision we make about our money should matter,” says Barnes.

One exercise she uses when working with women is asking them, “How long have you been working, and how much do you have saved?” She says it is a question that will get all of us thinking.

Getting Back in the Black

The adage of saving your pennies for a rainy day may be old, but it is still relevant. However, too many women still aren’t taking enough heed.

“Unfortunately, (women aren’t saving) like we should or as aggressively as we should,” Barnes says. “Nothing is better than a good night sleep of knowing that you are financially prepared for the small and often large mishaps of life. I think that we all can agree that ‘life happens,’ and when it does, we want to be prepared for that.”

Beyond the unforeseen circumstances of life, she suggests that the purpose of having a robust savings account is also “to help us live out the life that we really want in real time,” such as creating our own businesses, vacationing throughout the year and donating to charities.
So, how can you begin to get your finances on track? Start by taking a good hard look at your current numbers.

Colen suggests the following: Create a spending plan, have an emergency fund, cut your credit card debt, increase your income so you can increase your investments, resist impulse purchases, use credit cards sparingly and use an automatic savings plan.

“Keep in mind that financial education efforts should seek to improve financial knowledge and confidence in order to promote positive financial behavior,” he advises. “Educate yourself on saving and growing money so that it lasts longer.”

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  225. Meillä sitä ei ainakaan kauaa katsella, ennenkuin tulee huomautus… Siis minun alasti kulkemista. Yleensä on oltava vähimmäisvarusteena T-paita ja pikkuhousut Vaimoni taas kulkee todella harvoin täysin alasti pesutilojen ulkopuolella ja niukasti pukeutumiseen taas puuttuu tytär joka ei voi sietää sitä näkyä koska ”se on niin kauhea” Niin että päivittäin ei kyllä näy alastonta vaimoa meillä jos ei nyt miestäkään…

  226. grand merci à Dacadaly, Rachida, Christian, mention spéciale à Zerbinette ;-D . La pioche ayant été bonne, je retente un coup : c’est dans les années 1650 qu’oxymoron apparait dans la langue anglaise, construit sur les racines grecques que nous rappelle Christian. Le mot apparait en français cent et quelques années plus tard, selon Robert ex Rachida. Puis il s’est évanoui (combien de temps ?) mais le voici qui ressuscite, probable effet de mode trans-Manche. Peut-on parler d’angliscisme ?

  227. Thank you! I think you made an awesome choice by choosing to see it with your limited time! I couldn’t believe how big it was either. On a map the remaining sections of the wall look so tiny, but in person it seemed to just go on and on. I can only imagine what the real Berlin wall must have looked/felt like!

  228. Another excellent book on this subject published in 2006 is THE POWER OF ISRAEL IN THE US by James Petras.Since Petras is a left winger his book has been almost completely ignored by the mainstream media.But Walt and Mersheimer — being close to the traditional ruling elite– cannot be so easily swept under the rug.

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  230. Any time do you consider this particular Housing market should go support? Or perhaps can it be still too early to share with? We’re seeing plenty of housing house foreclosures inside Longwood Florida. Think about you? My partner and i sooo want to get the feedback on this.

  231. I really love this song. I’ve listened to it over and over again within the last past hour. I never knew for a male to have such an incredible voice. Because of this song, I’ve really realized a lot and I know I’m gonna get my break thru in time. I encourage everyone who are going through hard times to listen to this and I promise your mind frame will change. Be encouraged. Know that there is a God above and if you believe, you will get your break thru in time.

  232. I definitely had more joint pain when I was eating wheat and processed sugar. Good that you are checking the association of the pain with the junk food. That helped me get off junk food. It's also a nice relief to decide not to have ANY goodies at work ( I'll make an exception for plain fruit and vegetables, if they fit at a meal time). It helps me stay on track. Because it used to be a free for all for me. So much slippery slope thinking. Have a good weekend!

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  234. I have a jammer strip santa cruz cruiser and I ride on OJ Hot Juice 78a Skateboard Wheels 60mm which are great wheels and give a good ride the only problem is they tear really easily. All I do is cruise I don’t do tricks or anything so I don’t know why they break so fast I try not to ride over rough surface either. What would be a better urethane for cruising?

  235. Any ban on any firearm constitutes the beginning of the end of 2nd Amendment rights. The theory that they can have this firearm I don’t use if I can keep the ones I own is a farce. Any firearm is an Assault weapon if its pointed at you. The president wants them all banned, but he’ll take a few to start with. Contribute to your state Aassociations but all gun owners should be NRA members. United we stand.

  236. जेव्हा एक मुलगा आणि एक मुलगी मित्र – मैत्रीण होतात, कधी ना कधी दोघांना “तो” विचार मनामध्ये येतोच.>> ह्यालाही बरेचदा आजूबाजूचा समाजच काही अंशी जबाबदार असतो हे सत्य नाकारता येणार नाही…

  237. luis gomes:O “lá fora” é grave porque quer dizer que quem necessitava de abortar tinha de ter dinheiro para a viagem e para o pagar. Isto é só as Senhoras bem da Madeira o podiam fazer, as outras deviam utilizar o que o mercado local oferecia. Quem ganhava com isso é que gostava de saber.abraço

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  239. Sinon, encore un mot sur le rythme suivi en Afrique : notez que les rythmes de la journée et des saisons ne furent pas inventés par les êtres humains, mais par la nature même ; or, en Occident, on suit à présent le rythme des montres et des horloges, c’est-à-dire de machines. C’est plus régulier, et on peut l’accélérer à volonté, si on cherche une productivité particulière. C’est d’ailleurs fréquemment ce qu’on fait. Je suppose qu’on en pressent quand même les conséquences assez inévitables.

  240. bonsoir etant client chez sfr depui le 26/10/2010 je compte resilier et demander une portabilité de mon numero et je voulai savoir si je met une date ulterieur au 1er fevrier ne change rien , puisk jai mis le 25 fevrier date de fin de mon abonnemnt mensuelmercii

  241. سلام سید جانحرف شما درستمشکل اینجا بود که من فراموش کردم ذیل عکس بنویسم عکس تزئینی استانشاءالله سریعا این مشکل برطرف میشهیا علی مدد

  242. Actually, you could probably say “randomer.” The rule is for one syllable words, use “er” or “est” as in fast, faster, fastest. For three or more syllable words, use “more” or “most” as in interesting, more interesting, most interesting. For two syllable words, the choice belongs to the author — whichever sounds best. It’s the only rule in English where “It sounds better” is the correct reasoning. (In case you were wondering…)

  243. Tak sangka ramai yg jahil kat sini…Aku tak faham dengan sikap gadis islam d malaysia…Memalukan sungguh….Aku tak tau lak…zaman bcinta dah boleh anggap jantan tu suami ..nak cium tangan bagai…depan umum camni…belakang tak pastilah…..ni bukan sesaja nak kecoh…CIUM TANGAN …. Cium tangan yer bukan bsalaman biasa…amenda yg taksub sgt menang terus cium tangan?Ramai yg amik temeh hal ni…Karat pun sama jahil…..Artis mmg takleh jadi idola…

  244. Info animazioneCiao Daw sono Mirko,mi dispiace per la faccenda dell’animazione della tesi. (Pacca sulla spalla) Mi dispiace un casino :|Sull’animazione che hai fatto con Andrea Mastrovita, complimenti!Puoi dirci qualcosa in più? Titolo? Link su youtube? Andrea ha uno spazio internet? Non ho trovato nulla su di lui.Buona giornata,ciao :)m

  245. As an interested Australian I wish you well in looking into the religious affiliation of your PM and how it affects his decision making. As a comparison, we have an up front atheist in Julia Gillard as our PM but we still have issues. The previous conservative government started a program of putting “chaplains” into public schools. Unfortunately the present government has continued this practice. This allows prosletization within our public schools which are meant to be secular. You can find a discussion between David Nichols(president of the Atheist Foundation of Australia) and Julia Gillard on atheistfoundation.org.au

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  247. Deves-te achar o maior! Andas mas é a precisar de um correctivo. Não compres uma guerra que sabes que não podes vencer! Sabes que és pequeno à nossa beira e isso nunca, mas nunca vai mudar. Espero ver-te pela CIDADE BERÇO com essa treta toda.Parabéns para ti e para os adeptos desse clubzeco que consegue a proeza de ter um estádio desses… ÀS MOSCAS! :DVITÓRIA ATÉ MORRER

  248. I think that if most of the ministries are really focused on married couples and families, then you need to give the same consideration to single people. However, if your ministries are based more on common interest than a specific stage of life, then it won’t matter as much the marital status of the people who attend.

  249. Ciao,ho smanettato tutta oggi, vista la pessima giornata, e sono riuscito ad installare la nuova versione.Kiedo scusa ma avevo preso un abbaglio seguendo la tua procedura per aggiornare.Di sicuro ho risolto molti problemi con i font che sono di moltissimo migliorati.Grazie.PS… se posso … posso disturbarti per problemi vari in futuro?Sono molto scarso di linux.Grazie e scusatemi.

  250. Selam bayanlar hayatın en güzel ve doyumsuz anlarını yaşayıp zevkten bulutların üzerinde dolaşmak istiyorsanız seks doktorunuz emrınızdedır am göt yalarım emerım boşaltana kadar farkı benimle yaşayın.yaş sınırım yoktur azgın ateşli evli dul tüm bayanların hizmetındeyım evli çiftlere 3.olurum gizlilik şart (am yalama hastasıyım) 05359782021

  251. Don’t worry! I plan to do the OG London RG logo with Zhenya’s images of course XD and will release it on ZKG when we finish The more awful of the official one is, will just stand out the great of ZKG’s logo hahahahaDon’t worry, 本總監打算推出 ZKG設計的OG London Zhenya RG Logo!!! 官方的越醜更能凸顯我眠ZKG設計的Zhenya RG Logo滴好看~~~~~哈哈哈哈哈

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  254. Según algunos, pagarle bien a los profesores no es parte del beneficio a los estudiantes…..Me gustaría que cada ministerio tuviece que negociar cada 5 años el presupuesto a ver que opina la gente!Tengo entendido que el ministerio de educación destina el 97% a salarios y el resto a infraestructuras y más….

  255. hola saludos en el desaroollo de microprocesadores es la novedad excelente resultados traera este lanzamiendo la vdd quiero uno jaja esperemos todo funciones asi como cuandos se lanzo el pentium el bajo consumo nos dara una bateria mas pequeya y con el rendimiento adecuado yso portabilidad de informacion me imagino sera en memorias acer saco una linea con disco duro y otra sin disco duro redice el tamaño considerablemente y su peso

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  257. Wilbur Smith var en fantastisk forfatter – med vekt pÃ¥ VAR. Hans siste bøker, Assegai inkludert, holder langt fra hans fantastisk høye standard fra gammelt av. Wilbur Smith var en ordsmed i ordets rette forstand. Han er Ã¥ blitt en gammel mann. Synd at han ikke har evnet Ã¥ gi seg pÃ¥ topp. De siste bøkene er bare svake skygger av hva han engang presterte. Plukk en av hans eldre bøker og nyyyyt 🙂

  258. Wow. That is a special blog post. I found you through the Waldorf Auction accidentally. We are new to the Waldorf school. Your blog captivated my interest…and I kept reading. I just copied the last paragraph of this post to be printed and posted in my home tomorrow. I have always felt this way…your words capture it exactly!!! I hope MANY people hear your words someday!!! Blessings…

  259. SWEDEN IS THE BEST! And I feel the same as you do. If I didn’t have my “group” in my class it would be unbearable to be there too. I think it makes SO much a difference to just be able to laugh and play around a bit during those dreadful hours in school… And see some kind of light at the end of the tunnel too, of course You take wayyy more pictures with your phone than I do, but I think I will try and post some more too Getting inspired []

  260. I'm reading the full version of Hayek's "Road to Serfdom".It is alarming that the sort of crap which you are posting about has been clearly seen, understood and published about in the English language for around 65 years, yet it has been kept from the majority of the population.You are one of the main ones who've brought libertarian and individualist writings to my attention (they are much less widely known here, in Europe than in the US).Thanks

  261. Bruno: Obrigado pelo comentário.Não conheço o autor, mas o título não pretende duvidar dos seus conhecimentos de tecnologia, pois é irónico.A minha dúvida é: será ele especialista em educação?A utilização educativa das novas tecnologias é importante. Mas tem de ser uma utilização justificada pedagogicamente. Tenho dúvidas que a utilização que está a ser feita do Magalhães seja pedagogicamente correcta. E há especialistas em educação que também têm essas dúvidas.Cumprimentos

  262. همونطور که خودتون هم گفتید درست هست و باید فایل های ورژن انگلیسی که توی عکس ها هم هست رو داشته باشید.از دانلود سنتر کل بازی رو میتونید بگیرید.

  263. Hi Anon (4:40 PM), The aim of the blog is to try and publish information as soon as possible. It is not always possible to wait for information to be posted on the Court's website. As for errors in the posts, we've generally been very open to people pointing out any errors. so that is an automatic correction mechanism. As for anonymity – it cannot and should not be used as a guise for attacking and abusing us – if you want to attack and abuse, you can do so only after disclosing your name and your stake in the matter – Period! Prashant

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  265. I can’t find anything in Texas but the occasional box of dollar per round hollowpoints for my .45 XD or Glock .40. I did manage to round up a little over 500 rounds for each pistol before the shelves were emptied but it’s not nearly enough. I also managed to stock up on about 250 rounds of 00 buck for my Remington 870 12 ga pump but again, not enough. Patiently waiting for ammo supplies to return. I hope they do before things get too crazy. It’s not a question of if anymore, but when.

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  268. notice how the muslims make sure to smash the cross completely..I guess fair is fair.. If I could, I would drop billions of little red bibles, in your local non-arabic language, everywhere muslims live.. Operation Manna Drop I would call it.. and like the book of the month club, every month I would 'mail' out a small essential western library for everyone..That would be a much better islam destructor than godfire…

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  270. on.|”Turbulence is life force. It is opportunity. Let’s love turbulence and use it for change.” by Ramsey Clark.|”We are told that when Jehovah created the world he saw that it was good what would he say now” by George Bernard Shaw.|”The very spring and root of honesty and virtue lie in good education.” by Plutarch.|”Be careful that victories do not carry the seed o

  271. “IÅ¡sigimusi politinių prostitučių, aferistų, vagių ir niekšų partija. Nedaug beliko tiems iÅ¡gamoms – jeigu netgi seimas ir nebus iÅ¡vaikytas, jų kadencija jau artÄ—ja prie gÄ—dingos pabaigos. Ä® kitÄ… seimÄ… nepateiks NEI VIENAS konservatorius. Ir tuomet kubiloidinei klikai bus iÅ¡keltos baudžiamosios bylos už diversijÄ… Lietuvos ekonomikoje bei savo tautos genocidÄ…. O jei ir to nepadarys nauji valdantieji – tuomet žmonÄ—s iÅ¡smaigstys visus tuos iÅ¡gamas Å¡akÄ—mis”

  272. excelente post!! pra mim o mais difícil em não repetir “o erro” é a tentação que ele causa, pq claro que por mais que esse erro seja ruim pra minha vida, a princípio ele dá sensação de bem estar,igual a uma droga! mas se conseguimos vencer esse obstáculo,essa dificuldade, com certeza teremos mais controle e consciência das nossas decisões e consequentemente mais felizes! bjao

  273. E io, che trovo una discreta affinità con i tuoi gusti, mi segno subito Black Mirror tra le serie da vedere assolutamente.Le altre due… sì, ne avevo sentito parlare, e come per Falling Sky, le avevo schivate come la peste (meglio rivedersi il vecchio Visitors!).Tnks per le segnalazioni ^^

  274. You have got a superb point my then-23-year-old, 5’4 mother navigated the Streets of Louisville inside of a battleship-gray 52 Roadmaster. We had that Buick for eleven or twelve ages,and she by no means set a scratch on it until a person within a 56 Caddy rear-ended her at a stop light. As I keep in mind, the Caddy needed to be towed away, and also the Roadmaster suffered two round dents while in the trunk lid in the bumper guards. Dad traded it in around 1964 on the black 58 T-Bird, which experienced power steering and brakes.

  275. Oh, Tiffany! She turned out perfect in every way! I love how you’ve brought in the old with the new. Your colors show up fabulously in your photos! Great job! We have a travel trailer—dates itself perfectly to 2002. Hum, wonder if my Mark would mind some changes………..LOL Hugs, Heidi

  276. “A már majdnem kész végeredményt látva ügyfeleink annyira fellelkesültek, hogy felkértek minket a ház emeleti szintje és az ott elhelyezkedÅ‘ privát területek építészeti és belsőépítészeti bÅ‘vítési lehetÅ‘ségeinek vázlatterv szintű megtervezésére”A koncepció-fotók alapján ez számomra nem volt kérdéses! Ez profi munka! Grat Aletta!

  277. this is such an inspiration. you’ve done so many amazing things during this past year and should look back proudly – even if you won’t complete everything… great job!PS: i just gave you an award on my blog. you’re welcome

  278. September 24, 2012 at 12:55 pmWhat is more alarming to me is that some idiot American can make a stupid video that no one normally would ever view or care about. And this has become a world-wide story and people have died. Does this mean that any blog comment in the future could incite hatred worldwide or any dissent or disagreement on a religion (any religion) that gets the attention of some inciting media could cause this type of dangerous reaction?

  279. Marc,Take a deep breath also and face the facts. Gaza, good or bad result?While Israel has been able to ween itself from the cheap labor coming from the West Bank and Gaza, the Palestinian economy to prosper must be integrated with the Israeli one. A unilateral Palestinian action, will mean an economic disaster for them. That is even without any war.


  281. and what impact will it leave in the future? positive or negative?Yes, social media provides new marketing methods and all, but then again, most of the entertainment business’ revenue comes from advertisers. so, social media might be an ally and an enemy at the same time.and i dont believe selling DVD’s or songs help, as final customers tend to find ways of getting them for free. and making laws and regulations against it will hurt the relationship between the suppliers and these final customers.

  282. Hey Nicole!Good point. I think I’ll change the process and add the butter to cool the caramel, then the corn syrup. Personally I prefer adding corn syrup after the caramel is the color I want it, mostly because the process takes longer with corn syrup in the mix. However you certainly can add it earlier if you like. It will inhibit crystallization either way. Great email, Nicole, thank you. – Joe

  283. Nieźle zsumowałeś! Nie wiedziałam, że Kanada w takim rozkroku. Teraz nasze miary wydają mi się proste: mile, galony, funty, uncje, stopy, cale i Farenheity. Mój pies też padł. Nie je, ledwie się snuje, energii brak i patrz wzrokiem umordowanego i zmęczonego życiem. Przeważnie leży plackiem na gołej podłodze. Żal mi go normalnie. Moja reakcja na upały niedaleko odbiega od psiej, z wyjątkiem leżenia plackiem na podłodze .

  284. Chris,Nice work. I’m going to link here from my website. I hope to visit your prairie someday. I am involved in ecology at the Kissimmee Prairie in Florida and have long been interested in comparing-contrasting the two with a visit.Tim Kozusko

  285. “sì… vabbeh… ma potrebbe pure essere andata in un’altra maniera…”esattamente nella maniera che gli fa più comnodo credere per il gusto, manco tanto sottile, di far corrispondere le sue disgrazie mentali ai fatti che non esistono…e poco gli importa, al cretino, che i fatti siano smentiti dall’evidenza: lui, oppone, fiero, la sua nullatenenza mentale… e a questa si appella per dimostrare di esistere…di che vogliamo discutere?

  286. Great job listening to your body! It’s tough when we have goals, but makes so much more sence in the long run (haha)I’ve bailed on quite a few runs lately due to my injury and replace them with yoga/ cycling etc. Smartest move ever. I also want to be healthy for next weeks half. Hope the knee is better by then.

  287. Sziasztok! nekem a táblás Cthulhu jött be a legjobban… de azért nem zárkózok el a többi elÅ‘l sem. ami nekem hiányzik: hogy ki várható, hová lehet csapattagként csatlakozni… gondolom a regisztráció módja: e-mail + befizetés…

  288. Sebas, muchisimas gracias por tu respuesta. Ahora te vuelvo a molestar con la siguiente pregunta, segůn tu opiniňn (trato de deducirlo) cůal es o serěa el motivo de que la nueva empresa(te recuerdo que pasamos a otras manos) quiere dejar de pagarnos el sueldo neto pactado que cobramos desde hace 14 años y pasar a pagarnos el sueldo en bruto. Te comento que la anterior empresa jamŕs tuvo un inconveniente sobre dicho tema.Nuevamente muchěsimas gracias. Saludos.

  289. This article deserves as much exposure as possible. The program seems like the best of exercise (health benefits) minus the worst (ever notice that virtually all iron gurus are the walking wounded).Thanks, Bret, for the guidance. My only request is that you change the picture in the upper right corner of your home page (there must be better poses out there).

  290. I actually purchased two jumpsuits this summer (US). I love them both. I am going to look for fashion belts similar to the one you have–adds that extra touch.I love statement necklaces. I just purchased a few last week. I plan to wear my large one with flowers to my brother-in-law's wedding.

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  292. Ah, yes! I mentioned that how in the press the headlines were “Deen still pushes fatty recipes despite diabetes.” Drives me insane… don’t we know by know that fat has nothing to do with it?? Yes, it might be helpful once you have it to cut down, but definitely the way to go is cut carbs/sugars dramatically! The misinformation is killing me (metaphorically) and our country (literally).

  293. Chip, your opinion is so sad and so 1930. You missed the message they were trying to convey- fashion for EVERYONE. Your homophobia is your own personal issue and I genuinely feel very sorry for you. Maybe you have such a strong negative opinion of homosexuals because YOU yourself are afraid of your true homosexual feelings. See a psychiatrist.

  294. Meillä Englannissa kierrätykseen menevät jätteet odottavat kierrätysautoa pahvilaatikoissa eteisessä. Jos kotona on tilaa ja jaksaa hieman säätää niin jätteet voi himassa lajitella tosiaan pahvilaatikkoon/laatikkoihin jotka sitten roudaa roskiin. Toki vaatii enemmän suunnittelua, eikä voi vain duunimatkalla kiireessä napata mukaan ja nakata pois vaan pahvilaatikko pitää tuoda takaisin sisään joka joinakin aamuina tuntuu ylivoimaisen vaikealta :).

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  296. JoelYes, I have heard that about Rice. Even in my day, there were many students who did not believe in segregation. But the school did not want to take action to end segregation because that would offend some of their contributors, such as Harvin Moore. He was the architect for some of Rice’s buildings, and a member of the White Citizens Council. I knew his son, and was over at his house once, and he had a good knowledge of the philosophy of Plato. But he was a terrible person.

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  298. 2020 c’est loin… et puis la pollution par envoi de messages sur internet, c’est pas cool non plus, surtout que c’est facile d’apposer un autocollant « merci pas de pub » sur sa boîte aux lettres, mais côté e-mail je n’ai malheureusement pas trouvé la solution !

  299. झूठ के पाँव नहीं होते…आप भाग्यशाली हैं…जो उसे ताड़ लिया…

  300. Roomba…One day, a friend was doggie sitting her daughter’s small doggie. “Grandma”, not having animals in the house normally, locked the doggie in the lower family room of her splitlevel.She then proceeded to work upstairs for several hours.Forgotten, the Roomba came out and started it’s daily round of vacuuming the family room.Never having seen a Roomba, the little doggie was scared schitless, literally.The Roomba, undeterred by a simple dog schitt, proceeded to “doodle” all over the the room with it’s “schitt crayon”.“Grandma” will not be “babysitting” again anytime soon….

  301. I need to read other books, preferably fantasy, to heal my damaged eyes from reading twilight *cringe* You see, friends recommended this wretched book and I was completely disappointed in it.But anyways, I want to read fantasy books that is just a “fun read” like the Phantom Tollbooth or Alice in Wonderland. What other books are like this? Something that is a feel good book?

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  305. I need happy endings to make sense. I resent a rushed happy ending graphed onto the the last page of a high conflict romance, it hurts the credibly of the characters. I suppose I need to be assured the couple can find happiness to believe it…XXOO Kat

  306. How stereotypically Texan can you be? I’m actually afraid to put an Obama sticker on my car and park it in the garage at work. This, of course, is my own issue, but I have no doubt that it would be looked upon as a “career limiting move”. Sigh.

  307. Excuse me, but a daily rhythm in light/dark cycles is NOT a circadian rhythm. I am familiar with the data from Halobacterium from Dr. Baliga’s lab and it does not show a circadian rhythm. Please do your homework on circadian rhythms before you waste our time with your blog.

  308. I had a listen to the samples over at Hardwax and my word, what a great record! I could feel a bit of a chicago house vibe in this, just subtle which I think works well. Definitely a record I would’ve skipped over if I hadn’t read this review, thanks for informing

  309. ik zeg het verkeerd. Morgen dag 25… dan weet je het wel Morgen of zondag is het weer naadje ballen. @Jan, one day, van jouw lippen naar Zijn oor Het wordt spannend, we zijn nu de nieuwe site aan het inladen. Met pijn in mijn hart de ouwe los gelaten. We gaan de nieuwe op. .

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  311. There’s a difference between the stereotypes, though: Kratos’ physique is something that the audience might wish they had for themselves, but I’m pretty sure no one wishes they looked like Ivy did in Soul Calibur 4.I’m much more forgiving of impossibly-shaped characters – both male and female – if they at least make an effort to appeal to both genders.

  312. At the risk of being obsessive, where were the questions about paternity fraud? As I recall, Fisher has written whole books on the subject. In particular, I want to know what percentage of the respondents, particularly male respondents, understand the current legal environment and, of those who didn't previously know about it, how did their attitudes toward love and marriage change as a result of learning.

  313. Dette var en fin reportasje, jeg følte nesten at jeg var med deg. Ã… føle seg hjemme er fint, jeg tror at man "er hjemme" nÃ¥r man trives og slapper av. Jeg kunne nok vært hjemme overalt, tror jeg. Kanskje handler det mest om Ã¥ trives med seg selv? En liten fattigjente sa en gang: "Vi har et hjem, men vi har ikke noe hus Ã¥ ha det i". Kos deg i leiligheten – jeg kommer innom hvis du skriver mer.

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  316. पहले दर्द यही था कि सीमाएँ टूट रही थी और साथ ही नारी का वजूद बिखर रहा था अब वो दूसरी तरफ खड़ी हो कर यही करने लगी है समाज के प्रति अपनी निष्ठां अपने दायित्व को भूलकर

  317. Thank you, Linda, for the helpful information. Does anyone know if the catheter is needed for everyone? I think traveling with a catheter would be really difficult. Maybe I will just plan to stay in L.A. for a week. I will be missing my granddaughter’s birthday on the 4th of Dec, but I will do everything in my power to make this trip less stressful. I guess my granddaughter will just have to have two bd celebrations this year! I am sure she won’t mind that! Lol

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  319. Hola,Me ha gustado mucho el artículo, pero quería hacer incapié en dos cuestiones.1- ¿No hay ningún apartado de la tarificación eléctrica que considere los armónicos?.2- Con lo único que no estoy de acuerdo, es cuando dices que nuestro sistema eléctrico está sobredimensionado. Creo que gran parte de las redes transporte y distribución de nuestro país funcionan a su máxima capacidad.

  320. To be fair, shouldn’t you be capitalizing “Jews” as you would “Italians,” “Buddhists” or “Libertarians?”There are actually quite a few words I refuse to capitalize based on a principle I’ve explained several times now. It’s interesting that you are only concerned about “jew”.You wouldn’t happen to be one of those people who, while trying “to be fair”, can imagine all sorts of excuses why we should NOT write White, would you?

  321. Die overtrek ♥♥ en ik HOU helemaal niet van strijken maar met zo eentje…doe ik het nog wel met *plezier* hihi. Ben dol op Toile de Jouy stof dus…..heb nog wat liggen geloof ik, uit de USA gekregen een hele tijd geleden….wie weet als ik tijd heb duh!!En je kaarsen zijn schatjes….zo liefGroetjes..

  322. ! They only give sponsor to those ppl who dunno wat is e-mail. Lancheow too them again. But yet, still want my $9.Now i applying $ loan from them to pay my part-time school fees. If they reject my loan, i also will ‘reject’ my membership!Chow liao!

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  325. Bom dia!Dr Osmar;Me permita fazer-lhe uma pergunta, hj no jornal Lance, foi divulgado q o Corinthians perdeu o interesse no jogador do Colo-Colo Miralles, o Sr. como tm seus contatos com a administração do Timão poderia nos dizer se hj existe algum outro jogador (centro avante) que a diretoria esteja tentando contratar, uma vez q Guilherme e Dayvid estão descartados devido ao alto valor??

  326. Your essay caused triggered aa flashback to the 1970s — college, a mattress on the floor, and my cookbooks as a source of solace. The only thing missing from my flash was the Quonset hut, which would have been a welcome switch from my dark basement apartment.Rich, hearty soups – like precious memories – provide warmth and comfort during good times. They also can help keep us going during the inevitable difficult periods of our lives. Your essay was a good reminder for all of us. Thank you for sharing the warm memory and Mollie’s recipe for soup.

  327. JM, Are you directing your comment at someone in particular within this comment-thread? Apart from that, generally speaking, the inclusion of firearms as a discussion point in this particular post is relevant. And you are correct in that everyone is entitled to their own opinion, and opinions are as variable as the population itself…VN:F [1.9.21_1169](from 0 votes)

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  329. Circé vient à un autre moment de l’Odyssée.À noter que les sirènes sont généralement représentées dans l’Antiquité comme des oiseaux à tête de femme. Les compagnons d’Ulysse (les socialistes) se sont bouché les oreilles pour ne pas entendre les sirènes sarkozystes, tandis qu’Ulysse (Jack Lang) a préféré s’attacher au mât de son navire pour s’enivrer du chant de ces belles sirènes, sans risquer la noyade.

  330. shirl163:Отличная школа, все подробно описано и показано. Люди которые это сделали достойны уважения. С их помощью создалось огромное количество сайтов

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  334. When I visit the States, I somehow got hooked on to informercials. And don’t forget “Call Me maybe?”- I don’t know how many IQ points I lose when I keep listening to that song. Also try listening to Psy- Gangnam Style. Just got a tsunami alert here in Vina del Mar due to an earthquake in Costa Rica. Hope things will be okay.

  335. hi, i’m a student from USYD, working on the Heart rate interface & Arduino at the moment as well. but i tried to use the sample coding from dan julio’s web. but seems it didn’t work. so confuse with the sample code now. did you use AnalogIn pin to connect the HRMI to the Arduino? i follow the instruction in the sample code, which install the OPO jumper & uninstall the SJ1. the status LED of HRMI is flashing to send signals. but Adruino still didn’t print any data. is it anything wrong in the sample code? Could you help? sincerely Kerry Lin

  336. Lyckliga du och Elisabeth. Jag ser fram emot att få se bilder från den nya ateljén. (lite avundsjuk faktiskt)wonderful paperwork. Om det är någon som är på gång så är det du. Lycka till med utställningen i staterna (har du nånsin varit där?)!

  337. I also had a similar experience selling a ipad about 2 weeks a ago and the buyer purchasing the ipad on 9/04/2012 and went to paypal to filling a cliam on 9/05/2012 and I had response to the dispute and providing the tracking number to paypal and on 9/10/2012 the tracking number is showing that the package has been deliver to the buyer address but after the paypal review of the case and they still sending back the refunded to the buyer. I lost and he got his money back and I lost the ipad and my money. so I believe that there is no protection for seller,

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  340. Hallo Jürgen,also die Kraichgau Challenge sehe ich als einen meiner zwei Saisonhöhepunkte 2011. Und nun habe ich auch mal in die Ergebnisse von 2010 geschaut hier:Im Halbmarathon mit 1:21 ist man on top habe ich gesehen. Also das motiviert mich dann noch gleich mehr. Ich freue mich schon wenn wir beide (und unser Schwimmer) ins Ziel einlaufen. Das wird ein riesen Erlebnis. Ich werde die Anmeldung auf jeden Fall nicht verpassen. Run ON!Willi

  341. Só tem um problema. Neste nosso país “bananeiro” o voto NULO não vale nada. Só contam os votos válidos. Ou seja, na nossa “demo” “cracia” não há espaço para expressar indignação. Não tem valor legal. Só serve para ficar com “raiva”, mas sem efeito real nenhum. Ou seja, em teoria uma pessoa com 1% dos votos pode ser eleito, ainda que 99% o anulem. Pois, estes não contam.

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  345. sama mb masalah di gigit2nya dan pake hp soner jg. dulu sempet males jg mau nyervis krna takut mahal. trus ada yg ngasih tau ikhwan yg bisa service hp, rmhny di daerah jongke. alhamdulillah murah. wkt tu di bersihin bagian bawah yg bwt nge-cas trus bisa nyala lg. bayar 10rb. eh, trus di gigit2 lg n g bisa di cas lg. tak service di sana lg. ganti yg bag.bawahnya bayar 30rb. alhamdulillah awet ampe skrg, dah 3thn lebih di pakenya.a

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  347. that it is acceptable for a human to Rape a dog or any other animal.Turkey can never be considered as civilised until Turks are educated that this cannot happen, this cannot be accepted, this is disgusting.If this becomes International news tourists will never come to Turkey.Stand up and be counted and help to stop this filthy, disgusting problem.Mrs Robson

  348. Dear Satri,Khysie forwarded your recommendation of my husbands exhibition at QSMC on your “Best Bets” posting. Thank you so much for your insightful comments which should encourage visits to the gallery and interest in his work. It was a pleasure to meet you and have a chance to speak with you at the reception. I very much hope we’ll have more such occasions in the future.Thank you,Noelle Fahlen

  349. : héhé je suis neutre, je n’ai d’intérêts ni dans l’un ni dans l’autre. Si Glob est bien devant, tant mieux pour Loic, mais à mon niveau en B cela ne me sert à rien si le soft ne remplit pas ce pourquoi il a été développé. A partir du moment où les versions gratuites (glob et abe) ne me satisfont pas, je me tourne vers les payantes. Que la solution payante soit moins utilisée en France que les gratuites ne me concerne pas, puisqu’ici c’est l’inverse 😉 (du moins c’est ce que je vois à l’usage).

  350. Allen, the left makes a point of hanging on to these conspiracies. Some of them will still go back to 2000 and claim that Bush was never elected, except by the Supreme Court.mindrider, magic is a matter of emotional influence. And choosing to be influenced is a matter of choice. The Cuban Missile Crisis was created by JFK's own initial failure and hardly solved, just sidelined with a behind the scenes compromise that made JFK look good.

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  352. J’ai moins de 1500 euros par mois, et je crois fondamentalement que l’avenir n’est pas aux grands appareils d’Etat.Je crois fondamentalement à l’initiative et à la responsabilité individuelles, et au fait que le rôle de l’Etat social n’est pas de tout geler, mais d’accompagner chacun en lui fournissant les outils que certains ont par leur naissance : la formation, le minimum qu’il faut pour rebondir,…

  353. Upeet popot! Olen jo päättänyt blogisi perusteella hankkia Swedish Hasbeensitkin.Myös minä olen muuttamassa Berliiniin, 30.6. Olisi kiva kuulla mihin asuinalueeseen olet päätynyt – ja tietenkin hyviä eko- ja vege-osoitteita? Tosin moiset harrastukset taitaa olla helppoja siellä, jej! Lähetä ihmeessä vaikka yhteystietosi, jos haluat puhua saksassa ollessasi suomea ja vaihtaa vaikka meno-vinkkejä.//erical@jippii.fi

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  355. Kia ora Bob, I had wondered if you knew Gottlieb when I heard the news. Firstly my condolences to you for the loss of a mate. After reading your post I think I admire most his blending of his passion with family. It is not always easy to do. He had a great philosophy to the mountains and life. Aotearoa lost a good one. My thoughts go out to his family and those who knew him. Take care Bob, hope you enjoy the reunion with your famuily. Cheers.Rangimarie,Robb

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