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The theme of many presidential inaugurations is renewal, the marking of a moment when the nation vows to put aside past divisions and unite behind its leader to confront the challenges of the day. Events that have taken place since President Obama won reelection in November suggest that another reality colors this Inauguration Day.
Monday's ceremonies may be only a temporary cessation of the political conflict that has gripped and at times paralyzed Washington throughout Obama's presidency. In that sense, what takes place on the Capitol's West Front, with all its pomp and grandeur, will be less a new beginning and more a moment of tempered expectations.
Four years ago, the country was in the depths of an economic recession that brought misery to millions of Americans. And yet, despite the suffering and despair about the economy, Inauguration Day was a day of hope and inspiration that were felt even by many people who did not vote for Obama. It was also a moment of outsized expectations on the part of many Americans and, perhaps, of the president as well.
Today, the sense of economic crisis has passed, though the economy is far from fully healthy. And yet, this Inauguration Day comes at a time when there is far greater realism about whether the president, or perhaps any leader, can truly transcend political divisions and unite the country. The question is whether he can productively manage those divisions to accomplish what needs to be done.
The president officially began his second term Sunday with the events of the past two-and-a-halfmonths fresh in the minds of everyone. They have helped to reshape Obama's second term and Obama himself.
The shootings at a Newtown, Conn., elementary school that took the lives of 20 children and six adults shook the country as no such tragedy had done. The killings had a profound effect on Obama and changed his priorities, adding the divisive issue of gun control to an already crowded legislative agenda.
The "fiscal cliff" negotiations demonstrated anew that Democrats and Republicans remain far apart on what both sides say is a central issue for the president's second term and raised questions about whether anything significant can be accomplished this year.
The failure of the Republicans to win an election that many of them thought they should have won has brought a period of introspection and debate for the party. It also has heightened the prospects for immigration reform. Bungling by House Republicans during the fiscal-cliff talks has forced a reappraisal of their negotiating strategy, which will have an impact on the coming debate over spending and entitlements, though exactly how isn't yet clear.
What has not changed since November is the reality of the political divisions in the country. Obama did not create partisan polarization; that condition predated his presidency. It greeted him when he arrived in Washington and it continues as he starts his second term.
The story of his first term was his effort first to overcome those divisions with lofty rhetoric about the need for cooperation. Then, in the face of united Republican opposition to his agenda, Obama was forced to come to terms with the fact that he could not change Washington as he had promised.
The way he did that, after the debt-ceiling fight in the summer of 2011, was to go into campaign mode. Winning reelection became his priority, and he was successful. But with the Republican majority in the House reaffirmed by the voters, the election did not significantly resolve many of the differences that were at the heart of the campaign. The president won a mandate, but has been warned by some advisers not to over-interpret its meaning.
Obama begins his second term with higher approval ratings than he has had in years, save for a few spikes because of intervening events. By historical standards, however, his ratings are not as good as some other presidents at the beginning of their second terms.
That, too, reflects the politics of this period in history. From here forward, part of Obama's legacy will depend on how successful he is at preventing the partisan divisions from dominating his second term.
Since his reelection, Obama has responded to this challenge by adopting a more resolute public posture. He has been more willing to draw bright lines in his negotiations with Republicans — to the delight of many of his fellow Democrats who long have seen him as someone too willing to give ground to the opposition.
He has shown greater impatience and more toughness than in the past. He insisted that tax rates for the wealthy would have to go up, and they did, albeit on fewer wealthy people than he wanted. He said he would not negotiate over raising the debt ceiling, and in the past few days the Republicans yielded on that.
Touched by the tragedy of Newtown, he came forward with a more ambitious package of gun-control measures than many people expected, particularly a call for a renewal of the assault-weapons ban. He will face sizable resistance in Congress, including among some red-state Democrats. But, as with immigration reform, the breadth of the package showed that the president is prepared to take on battles that he avoided during his first four years.
Perhaps most significantly, he now appears to be operating with a clear sense of the coalition that has elected him twice, of who is behind him and who is not and may never be. His first four years showed that there are parts of Red America he can never win over. If his gun-control measures alienate some parts of the country and some voters, they are likely to be popular with the majority coalition that has carried the past two presidential elections for the Democrats.
More than 60 years ago, James H. Rowe Jr., an adviser to then-President Harry S. Truman, wrote a memo to the president outlining options for dealing with a Congress that was newly controlled by Republicans. His main point was one that has not changed in more than half a century and may be even more relevant today than it was when written.
"Presidential leadership, if it means anything, means no more than how to lead the people only as fast as they will follow," Rowe wrote to Truman. "The history of every administration shows that in the final analysis, a president has but one weapon — public opinion."
That is an observation that Obama seems more acutely aware of today than at the beginning of his first term. He believes that he has public opinion on his side in some of these new fights and intends to try to use it as leverage to pressure Republicans. He has turned to campaign-style events in recent weeks to push his agenda. He has vowed to spend more time outside of Washington rallying the public.
It is with all that as backdrop that the president will deliver his second inaugural address on Monday. But the country already has gotten a preview of how he plans to approach his final four years in office.


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Thursday, May 10, 2012
First Swamp of 2012
Ordered parts for 3 new Pepino II swamp coolers.
9 comments:
- rj said...
Very nice. Hope you can come up with an effective containment strategy for all that water.
- May 10, 2012 at 8:33 PM
- Pablo said...
would have loved be there last night arround... see creek/area...25", WOW dude...please establish an "internship" in Field Lab so people like me might go stay some days, learn, admire nature, BEST
- May 11, 2012 at 5:19 AM
- everlastingblogstopper said...
What a useful surprise to wake up to for you and the critters in your watershed. I'd be interested in your thoughts on future designs for that water, other than for building and supporting habitat (which is an excellent function). The fact that you go from totally waterless for miles around to catching and storing almost 90,000 gallons of water is one of the delightful ironies of the desert. Brutal though, how quickly it all returns to the cycle.
- May 11, 2012 at 6:49 AM
- Rev.JimmyLeeBob said...
More importantly, how much did you capture off the roof of your
industrial hacienda/greenhouse ?
I'm growing vegetables here in 10a
and the bigger plants such as tomatoes, squash and cucumbers,etc. like at least a gallon a day when mature. Since it's Texas, it's my understanding
that everything is bigger which must equate to more......
- May 11, 2012 at 7:19 AM
- Quixote Kid said...
I'm so glad it rained out there, when we were out there in April I could not believe all of the cactus, yucca and other desert plants that were dying. It was a sad sight to see.
Can I be one of the first to rent a creek-side apartment with vegetarian meals provide?
- May 11, 2012 at 8:58 AM
- quercus said...
That's a lot of water. Have you thought of getting some equipment in and constructing some settling/containment ponds? I am in a part of the Little Colorado River drainage and have a seasonal (monsoon) wash/ small river. In my area rancher's build watering holes for their cattle by diverting portions of the wash to the ponds. Because of the clay soil these holes take along time to dry out. Perhaps a series of ponds basins could be constructed to not only save water, but to settle out sediment. Also if vegetative materials were planted around the pond to shade the water, evaporation could be limited. In ornamental ponds evaporation/algae growth are limited by using water covering plants. I believe 60% of water surface is the prescribed amount of coverage.
- May 11, 2012 at 9:08 AM
- Allen Hare said...
So nice to get all that water. I, too, am curious about how much water you harvested from the greenhouse roof. I'll bet it was a lot.
You have a knack for putting disparate parts together into something wonderful. Looking forward to seeing the evolution of the Pepino II.
- May 13, 2012 at 6:55 PM
- Off Grid R and D said...
Finally some rain, Great!! Maybe the area can get some more and come out of 'Exceptional' to 'Extreme' drought. Hopin!
I know your the Pepino swamp cooler man and I know you need to pump a lot of water but that bilge pump draws a lot of juice at 5.5 amps. How much water you need to pump? I see the timer which should help on juice draw. I got a friend doing one with a little 12v, 170 gph, 0.045 amp, fountain pump and a 10", 12 V 2 speed fan in the same cooler with a float and a gravity feed supply tank cooler.
- May 14, 2012 at 8:45 AM
- Pablo said...
need updated info on RAIN in the area plus pics please May 16/12
- May 16, 2012 at 6:18 PM

subset: commoncrawl


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Sunflower and Human Skull on Black Curtains #sunflowerbedroomideas
Sunflower and Human Skull on Black Curtains or SheersOur Curtain and Blackout Panels are hand dyed in Sets of 2 Using the same process we use for our beautiful bed sets, making your curtains Machine Washable and Fade Resistant. All curtains feature a 2 inch rod pocket at the top for hanging, but can also accommodate clip loops (not included) if you prefer. Unlined: Our Non-wrinkle soft poplin unlined panels have a light and elegant effect. The material has a natural cascading drape and will softly frame any window allowing 50% of the light to filter through. Blackout: Our Non-wrinkle Blackout panels have a substantial weight and drape. We double line our regular curtains with a blackout layer, covered by an extra third layer of white fabric to block approximately 98.7% of light. For every 1 set ordered, you will receive 2 panels totaling the size specified. Size shown is 40 x 54 Unlined (or a Set of 2, 20 x 54 Panels). 100% Polyester, Machine Washable.


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Glyssandra (from Private Stash portfolio)
Richard Sala's work has been appearing in a wide variety of newspapers, books and magazines, as well as on toy packaging, greeting cards and on the internet since the 1980s. After debuting with a self-published magazine, 'Night Drive,' Richard Sala gradually became (as he puts it himself) the "king of the bad anthologies".
Once Sala appeared in Raw magazine, he became a regular feature in many different types of magazines, including Buzz, Twist, Escape, Drawn & Quarterly, and Rip Off Comix. He and Charles Burns even found their way into the mainstream by way of MTV's animation showcase 'Liquid Television'. Sala's animated serial, 'Invisible Hands' appeared on MTV, and his work can also be found on the CD-ROMs 'Freak Show' and 'Bad Day on the Midway'.
But Sala liked his horror-noir material best, so he concentrated on doing comics for magazines. His "magnum opus", 'The Chuckling Whatsit', was serialized over seventeen issues of the Fantagraphics 'Zero Zero' magazine. His comic book series 'Evil Eye' ran for 12 issues between 1998 and 2001. He has since released several horror-noir graphic novels, including 'Peculia' (2002), 'Mad Night' (2005), 'The Grave Robber's Daughter' (2006), 'Cat Burglar Black' (2009) and 'The Hidden ' (2011).
Collections of his strips include 'Hypnotic Tales' (1992), 'Black Cat Crossing' (1993) and 'Maniac Killer Strikes Again!' (2003). 'Delphine', his four-issue series, was published internationally between 2006 and 2009, and is scheduled to be released in a single volume in late 2012.


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BROOMFIELD, CO - September 17, 2012
Webroot, a leader in delivering Internet security as a service, has been chosen by Insight Enterprises, Inc. (NASDAQ: NSIT), as the sole security solution available via the Insight Cloud Platform. Webroot® SecureAnywhere™ Business – Endpoint Protection will be offered to all of InsightCloud's European customer base through the new in-house platform alongside other essential IT services such as Microsoft Office 365 and MozyPro cloud back up. With the most effective cloud-based security solution with a comprehensive feature set, Webroot was the ideal partner for the Insight Cloud offering and recently named Insight's Cloud Partner of the Year for 2012.
"Microsoft office through one portal, back up through another portal? Our cloud console makes life simpler and allows our clients to provision all their business needs through one simple to use console, freeing up wasted time on administration, so IT professionals can get on with the work that really matters to their organisation," said Mark Green, Insight UK.
"Webroot has been a trusted partner for almost three years and the light, effective, and lightning fast capabilities of Webroot SecureAnywhere combined with its effortless deployment and ease of use made it the natural choice for this new offering. Its behaviour-based detection performed frees our customers from traditional signature based updates, allowing them to focus their time on their business output."
The security landscape has changed and traditional signature-based software can't keep up. A recent study of IT decision-makers found an overwhelming 95 percent experienced an endpoint-based attack last year12. Frustrated by traditional security solutions that consistently fail to protect them and require too much time and resources to adequately maintain, many IT managers have resorted to allocating budget for cleaning up the aftermath of attacks.
"Beneficially, next generation security products do come to market that poke at the status quo and present genuine alternatives. Webroot® SecureAnywhere™ Business - Endpoint Protection is one of those products," wrote Michael Suby, Stratecast vice president of Research at Frost & Sullivan, in a recent analysis entitled "Building a Better Mousetrap in Anti-Malware."1
Webroot revolutionized endpoint security with the introduction of Webroot SecureAnywhere Business – Endpoint Protection. Webroot's unique cloud-based architecture takes the misery out of security by delivering the fastest, lightest, easiest to manage, and most effective endpoint protection available . IT managers no longer have to waste resources and lose user productivity due to intrusive scans and continuous signature updating, patching, and reimaging. Webroot is first to use the power of the cloud to provide superior protection, unmatched manageability, and unparalleled performance.
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1"Building a Better Moustrap in Anti-Malware," Stratecast Analysis by Michael Suby, Frost & Sullivan, Stratecast Perspectives & Insight for Executives Volume 12, Number 28, Aug. 3, 2012.
2"The State of Endpoint Protection," Forrester Consulting research commissioned by Webroot, October 2011
3PassMark Software, "Webroot SecureAnywhere – Endpoint Protection vs Seven Traditional Endpoint Security Products," February 2012 Webroot SecureAnywhere AntiVirus 2012 review, PCMag.com, October 4, 2011


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The Region of Karlovy Vary is famous throughout the world for its spa industry. Within the region, there is not only the best known spa town in the country – Karlovy Vary - but also Mariánské Lázně, Františkovy Lázně, Lázně Kynžvart and Jáchymov. The region is not only rich in curative springs but also in natural mineral waters, of which Mattoni is the most well known. Within the context of the spa industry, there are the well known spa wafers, which are adored by the locals as a sweet delicacy and particularly by spa guests from all corners of the world. In addition, Karlovy Vary was also made famous due to the Becher herbal liquor and the artworks created by the glassmakers from the Moser company. The nearby town of Chodov became famous through rose porcelain which has been exported to most countries in the world. In terms of cultural events, it is the Karlovy Vary International Film Festival which generates meetings of domestic and foreign film makers.
The Region of Karlovy Vary is situated in the west of the Czech Republic and arose by dividing the West Bohemia Region into the Plzeň and the Karlovy Vary Regions. In the west and in the north it closes the territory of the country by the national border with Germany, in the east, it neighbours with the Ústí nad Labem region and in the south, with the Plzeň Region. The area of the region is 3,314 km2, which is 4.25% of the total area of the Czech Republic. 43.1 % of the regional area is covered by forests. Together with the Ústí nad Labem region, it forms the so called NUTS 2, an area of cohesion. Across the territory of the two regions, along the national border is where Krušné hory (Ore Mountains) is situated. Klínovec, the highest peak (1,244 m), is located in the Karlovy Vary district, the same as the lowest peak in the region (320 m above sea level) which can be found on the Ohře River at the border of the region.
The Ohře River is the most important river of the Karlovy Vary region and the whole area falls into the river catchment. Other important rivers are the Teplá, Rolava, Bystřice and Svatava. Of these, the most well known is the Teplá, which flows into the Ohře in the form of springs which enable the origination of a variety of aragonite known as thermal tuff and "hrachovec" tuff, both of them separated from the hot Karlovy Vary springs, the water of which bears many mineral substances and gases, primarily carbon dioxide.Crafts and souvenirs are made of larger pieces, as are paperweights and ashtrays. Box covers are lined with the material, pendants are made from it and it is probably the aragonite roses that are most popular. To mention the other natural resources, then the most important are the deposits of brown coal in the Sokolov district and the ceramic clays that deserve credit for the large number of porcelain plant pots across the entire region. However, it is the mineral and curative water deposits found across the region, that have contributed to the origin of the mentioned spa towns, which have made it world-famous.
The region is formed by three districts – Cheb, Karlovy Vary and Sokolov- and there are 132 towns and villages in total that are further broken down into 519 districts. Considering the area, the Karlovy Vary region is one of the smallest regions; it takes up only 4.2% of the area of the country. The most extensive district is the district of Karlovy Vary (49% of the regional area) which has the largest number of towns and villages (55). The largest proportion of the region's inhabitants lives here (39.7%). The districts of Sokolov and Cheb compare well in terms of the number of municipalities and the area.There are 30 towns in total in the region; the majority of which are situated in the district of Karlovy Vary (11), where 96,078 people were living at 31-12-2006. 74,144 inhabitants lived in 10 towns in the Sokolov district and in 9 towns in the district of Cheb there were 76,661 inhabitants. To 31-12-2006, 304,602 inhabitants lived in the towns and villages of the Karlovy Vary region, which accounts for 3% of the total inhabitants of the Czech Republic. The Karlovy Vary district is the most populated, the population of which was 120,797 as at 31-12-2005, of which 51.3% (62,004) were females.
In terms of the absolute number of newborns (3,216) and deaths (2,976), this region is in the last place in the country. However, if the number of newborns from 1,000 inhabitants (10.5) is compared, then the Karlovy Vary region is in 4th place in the country. However, the number of deaths out of 1,000 inhabitants (9.8 persons) puts the Karlovy Vary region into 2nd place, immediately behind the Liberec region. In 2006, a total of 3,476 people moved into the Karlovy Vary region while 3,373 persons moved out of it. Thus the balance remained positive (103 persons). In 2006, the total increase was also positive with 328 persons and thus the region is the 11th position in the country.
The environment of the Karlovy Vary region is largely varied. Despite the largest share of wood coverage rate (50.7%), the situation in the Sokolov district is the poorest. This is not only due to brown coal being mined there but also due to several important industrial plants, such as the Vřesová power plant, one of the largest sources of pollution in the country. From all the contamination (52,735 tonnes) produced in the region of Karlovy Vary in 2006, 87.5 % falls on this district. It is due to these high values that this region is one of the largest atmospheric pollution producers together with the regions of Ústí nad Labem and Moravia-Silesia. On the other hand, the Karlovy Vary region ranks second behind the Capital City of Prague with the number of inhabitants proportionally connected to public sewerage (91.6%) and the share of cleaned sewage (99.6%) as well.
The rate of registered unemployment at the end of 2006 was 9.20% (12th place in the country) and compared to 2005 it had dropped by 1.08 percentage points. The lowest rate of unemployment was in the district of Cheb (7.25%) in the district of Karlovy Vary (9.00%) and Sokolov (11.46%). In 2006, there were 16,221 unplaced job applicants (1,796 less than 2005) for available work places. The most applicants were in the district of Karlovy Vary (6,400 persons), in the district of Sokolov (5,941) and the least in the district of Cheb (3,880 persons).Most highly represented among the unemployed were those candidates with a basic education (7,712 persons, i.e. 47.5%) and skilled workmen (3,513 persons, i.e. 32.8%). Considering the age of the unemployed, the most represented were the ages of 50-54 years (14.4%) and the age of 20-24 years (13%). The average age of candidates (38.8 years) increased compared to the previous year by 0.6 years.
Within the region, a total of 51 building companies were operating with the minimum proportion of building work according to supplier contracts. Despite that, 638 apartments were completed in 2006, i.e. 511 less than in 2005. Within the region the most apartments per 1,000 inhabitants were completed in the district of Karlovy Vary (3.5 apartments) and the least in the district of Sokolov (0.6 apartments).
The travel trade in the region of Karlovy Vary is one of the most significant industries. It is the spa trade that has made this region a destination for domestic and foreign visitors. In 2006, 669,905 guests visited the region and each stayed an average of 7.5 days. For the Czech Republic, it was the largest number of days (4.3 days). If the number of guests is recalculated to 1,000 inhabitants of the region, the resulting number is 2,199.5 guests; the second highest value behind the Capital City of Prague which traditionally holds best position for the travel trade in this country. The share of foreigners visiting this region last year is 71.6% and together with the Capital City, the region of Karlovy Vary was the only region showing the visiting rate of guests from abroad higher than those from inside the country. The number of nights spent per 1,000 inhabitants (14,201 guests) means this region holds the first place in the country (4,037.1 guests).
In connection with the spa travel trade, there is a sufficient offer of cultural facilities and memorial zones within the Karlovy Vary region. In total, there are 11 theatres, 26 cinemas and more than 60 museums and galleries. An offer of the spa symphonic orchestras and several festivals are added. The most popular is the Karlovy Vary International Film Festival. To give some other examples of cultural events, there is the Loket Cultural Summer, the Mariánské Lázně Chopin Festival and the Canoe Mattoni.
Other information and events are included in the Brief Description of the Karlovy Vary Region
(Prepared in accordance with the Karlovy Vary Region Year Book 2007, containing data for 2006)


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Starz Denver Film Fest adds "Wild" and "Foxcatcher"
The 37th Starz Denver Film Festival pumped up its high-profile presentations (announced late last week) by adding "Wild" and "Foxcatcher" to its lineup. News of the award-season contenders came when Denver Film Society announced the full schedule for one of the region's premier arts events, running Nov. 12 through Nov. 23.
"Wild" features Reese Witherspoon in an understated, beautifully grounded performance as Cheryl Strayed, whose memoir recounts her trek along the Pacific Crest Trail. Date and time for the gala screening has yet to be announced. Stay tuned.
Director Bennett Miller's "Foxcatcher" also brims with telling turns. Read more…


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Leather derby shoe
The Fit Expert
Tanya from our Calgary store says:
Fit true to size. Very comfy and cushy insole.
More Colours
Simply deep in thought, dreaming... dreaming of what to do next. Featuring the same triple-stitch design and uppers from a previous business shoe, The Breton is now built upon a molded rubber sole, very similar to the Future Angels. From the mountaintops to the street gutters, The Breton welcomes adventure whether you are discussing Buddhist metaphysics over a jug of wine with academic hobos, or hitchhiking to Mexico from Canada. Elegant, professional, and all comfort, this classic shoe will walk you everywhere you have ever wondered about, or will ever wander to.
Instagram @fluevog #vog_breton
Tanya from our Calgary store says:
Fit true to size. Very comfy and cushy insole.


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In today's litigious culture, it is important to know where you stand on legal issues. SBACS member schools receive FREE vouchers for two 15-minute general information sessions with attorney Nathan Adams, of the national law firm of Holland & Knight, LLP. Dr. Adams has broad experience related to religious institutions and schools. He is committed to helping clients make wise choices and avoid costly mistakes.
The information that you receive will be general information and should not be relied on as legal advice when analyzing and resolving a specific legal issue. However, if you have specific questions regarding a particular fact situation and seek an attorney-client relationship, you may separately enter into such a relationship with him at a reduced hourly rate or consult with other competent legal counsel about the facts and laws that apply.


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I am happy that the journal pages got a huge majority at 26 votes. Because that is my favourite too! Creativity raves, personal stuff and videos all came in the same at 11 votes.
I am not so into writing about personal stuff, maybe I overloaded with many years of journaling. But it's nice to know that you guys are interested.
Thanks again to those that voted.


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San Francisco Public Library's Business Science and Technology Center and Green Stacks presents two free screenings of the award- winning documentary film, A Sea Change: Imagine a World Without Fish, in the Koret Auditorium of the Main Library, 100 Larkin St., San Francisco. The screenings will be Wednesday, January 26, 6-7:30 p.m. and Saturday, January 29, 2-3:30 p.m.
A Sea Changefollows the journey of retired history teacher Sven Huseby on his quest to discover what is happening to the world's oceans. After reading Elizabeth Kolbert's article "The Darkening Sea" in The New Yorker, Sven becomes obsessed with the rising acidity of the oceans and what this "sea change" bodes for mankind. His quest takes him to Alaska, California, Washington, and Norway as he uncovers a worldwide crisis that most people are unaware of. Speaking with oceanographers, marine biologists, climatologists, artists and policy experts, Sven discovers that global warming is only half the story of the environmental catastrophe that awaits us. Excess carbon dioxide is dissolving in our oceans, changing seawater chemistry. The increasing acidity of the water makes it difficult for tiny creatures at the bottom of the food web – such as the pteropods in the films – to form their shells. The effects could work their way up to the fish one billion people depend upon for their source of protein.
A Sea Change is also a touching portrait of Sven's relationship with his grandchild Elias. As Sven keeps a correspondence with the little boy, he mulls over the world that he is leaving for future generations. A disturbing and essential companion piece to An Inconvenient Truth, A Sea Change brings home the indisputable fact that our lifestyle is changing the earth, despite our rhetoric or wishful thinking.
A Sea Change is the first documentary about ocean acidification, and is directed by Barbara Ettinger and co-produced by Sven Huseby of Niijii Films. While emphasizing new scientific information, the feature-length film is also a beautiful paen to the ocean world and an intimate story of a Norwegian-American family whose heritage is bound up with the sea. For more information, please go to www.aseachange.net.


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This week is National Boy Scout Week.
Last week in the Salt Lake papers a Boy Scout from Ogden was featured having earned all 121 merit badges offered by the BSA. What an accomplishment for one so young. Reading his story brought back a flood of memories.
Forty-three years ago, I became a member of Boy Scout Troop 314 in the Monticello 2nd Ward of the LDS Church. Daryle Redd was bishop and Corlis Chapman and Lloyd Barton were the scoutmasters. Little did I realize at the time what my experiences in scouting would eventually mean to me.
When I was a scout, 21 merit badges were required to become an Eagle Scout. No one in Monticello had ever attained that rank. Karl R. Lyman lived in Monticello at the time and was an Eagle Scout, but he had earned the honor while growing up in Blanding.
One of the principal reasons for the dearth of Eagle Scouts in Monticello was the fact that two of the required merit badges (swimming and life saving) were two of the most difficult merit badges to earn. Until Monticello's swimming pool was completed the only places to learn to swim and save lives were muddy, algae-filled stock watering ponds, or long trips out of town to a swimming pool..
We didn't go to summer camps or have merit badge pow-wows where everything is provided with on-site counselors like they have now. My mother was unwilling to earn the badges for me, so it was my challenge. I had to prepare and then call and make an appointment with the assigned merit badge counselor, which was difficult for me to do at that age.
For example, Bennion Redd was the physical fitness merit badge counselor in the l950's. When I was prepared, I made an appointment and met him at his law office. He was attentive and thorough with each requirment. The last one on the list was to demonstrate the ability to run a mile in a given time. I knew I could do it and I expected him to just ask me if I could, and sign the statement of completion.
To my surprise, when we got to the running requirement he asked me if I was ready to go run the mile. He took a stopwatch out of his drawer and said, "Well, lets go see how fast you can run it."
We went out, got in his car, drove up to where the high school football field is today, which was a cow pasture in those days. Bennion stepped off an eighth of a mile and marked it with a marker at each end. Then he told me to run back and forth four times and as I did he yelled my quarter mile times. I was soaked with sweat, and near death when I finished. Bennion was impressed with my time, but it was probably about then that I developed an aversion for distance running that has lasted a lifetime.
The new swimming pool in Monticello was completed about that time and with the encouragement of Corlis and Lloyd, I became the first boy to grow up in Monticello to earn the rank of Eagle Scout.
Those wonderful scoutmasters made a very big deal about their first little fledgling Eagle. My court of honor was announced from the pulpit in church the week before. They arranged for Floyd Loveridge, who was the Director of the National Parks Council headquartered in Provo, to drive down to be the featured speaker. The chapel was filled and I got the biggest write-up of my life in the San Juan Record at age 15.
I stayed on after I should have gone into the Explorer program to be the senior patrol leader for Corlis and Lloyd. It didn't take much persuasion to get me to stay. At least once a month, Lloyd would throw us all in the back of his old orange Chevrolet pickup, which had high steel rails for hauling cattle. We would all climb as high as we could and hoot and holler and throw rocks at road signs on our way to our camping spot. That none of us were killed falling off that rack was the miracle of the l950's. But, oh my, the fun we had!
Members of troop 314 that I remember best were Rye and Grant Nielson, Craig Young, Noel Stewart, Billy and John Gresko, Clifton Rasmussen, Mike Somerville, Keith Himmelberger, Larry Perkins, John Rowley and David White. We rolled enough rocks off cliffs, burned enough tumbleweeds, and committed enough minor environmental crimes to give today's tree huggers terminal heartburn.
It was those four years and the many scout trips we took in the country that instilled in me the love I have today for this magnificent place we call San Juan.
A few years after moving away from Monticello, Corlis Chapman was fighting a forest fire and was killed when a boulder rolled down the mountain and hit him. His passing, and later Lloyd's sudden death both affected me as profoundly as if they had been members of my own family.
Sometimes it takes a generation or two to realize how powerful the examples of men like my scoutmasters were. My respect and love for Corlis Chapman and Lloyd Barton grows exponentially with age. Their influence in my life is immeasurable. What a reunion we are going to have some day in that great scout camp in the sky.


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The anticipation has been building for Round 1 of the 2011 Special Olympics Golf National Invitational Tournament played Friday at PGA Golf Club. A field of 177 golfers from 21 U.S. Special Olympics programs, plus programs from Bermuda and Canada, are competing in five levels of competition in the 12th annual national tournament through Sunday, Sept. 25.
Athletes, coaches, families and friends arrived at PGA Golf Club for Thursday night's Opening Ceremonies, which built on their anticipation for another exciting championship event. The PGA of America is a six-time host of the national tournament at PGA Golf Club and a sponsor of the Special Olympics golf program since 1988, the sport's beginning with the global organization for individuals with intellectual disabilities.
"We had a great time here with the Opening Ceremonies last night," said PGA of America President Allen Wronowski, who is spending the weekend helping out at the tournament. "To see the excitement, pride and enthusiasm was just spectacular. They have worked so hard to get to this point and I join my fellow PGA Professionals in being proud advocates for Special Olympics golfers and the Special Olympics program. It is overwhelming to watch them compete and their friends and family cheering them on. It just doesn't get any better than this."
On Friday, Grace Anne Braxton, a Special Olympics World Games gold medalist of Fredericksburg, Va., shot 83 for the Level 5 - 18-hole individual stroke play competition. Tyler Whitehurst of Palm Harbor, Fla., is just one shot behind Braxton in his first national tournament.
"I shot an 84 and made several pars," said Whitehurst. "My second shot on 18 was really good. I used a 6-iron and had the wind in my face but left it only 10 feet from the hole. This course is hard, but it's fun, it's one of the most challenging courses I've ever played."
In the Level 4 - 9-Hole Individual Stroke Play, Danny Peasley of Souris, Manitoba, Canada, shot a 41 for a 3-shot lead over Nicholas Urban of White Bear Lake, Minn. The 2011 tournament marks the first time that programs from Canada and Bermuda are competing in the Special Olympics Golf National Invitational Tournament.
Paul Kozora of Oak Park, Illinois, was paired with Peasley and shot 54 in Level 4 -9-Hole Individual Stroke Play.
"I had a birdie today that helped give me confidence going into tomorrow," said Kozora. "The course is very challenging, but good. And I like the heat, it's not bothering me. I'm going to use the same strategy tomorrow: hit them long and straight."
Battling through a distinctly different climate than her hometown, Aimee Anwiler of Rochester, Minn., shot 72 in Level 4 and her first national tournament appearance.
"I had fun. Even though I tried to hit it straight, it liked to find the sand," said Anwiler. "I like the course, though, it's hard, but in a good way." Her volunteer caddie, Becky Copler, jokingly said, "I told her Florida has lots of great beaches we could take her to, she didn't need to visit the sand here!"
Scott Rohrer was the record-making gold medalist at last year's Special Olympics Golf National Invitational Tournament when he shot the 18-hole and 54-hole record of 71-75-75—221 in Level 5 - 18-hole Individual Stroke Play event. This year, Scott and his father, Jeff, are competing in the Level 3 - 18-Hole Unified Sports Team Play and shot 80 to lead Round 1.
The team of Kevin Hartley (athlete) and Steve Linderman (partner) of Tempe, Ariz., shot a Round 1-leading score of 46 in the Level 2 -9-Hole Alternate Shot Team Play. Andrew Martinez (athlete) and Michael Martinez (partner) of Kansas City, Mo., are two behind with a 48.
Level 2 competitors Elizabeth Crook (athlete) and her younger brother, Alex Crook (partner), of Houston, Texas, are competing in their first national tournament and shot 51. Their mother, Clyde, joined them for the trip to Port St. Lucie.
"Being partners has made them both (Elizabeth and Alex) help each other more. It has also made this a family sport – my husband and I play as well – she really likes it when we all play together. I love watching her brother coach her and the other players," said Mrs. Crook. "While today was not their best day, it's the first day, so they're learning the course and settling in."
The Level 1 - Individual Skills Competition tests competitors in six different shot-making skills and the highest score wins. After Round 1, there is a tie for first place between James "Jay" Cromwell of Rockville, Md., and Andrew Peters of Palos Park, Ill., who both scored 66. Phillip Shepard of Mount Airy, Md., is one shot behind with a 65 and Malcolm Gowdie-Harris of Port St. Lucie, Fla., is in third with a 64.
Shepard said, "My short game is good, but I need to work on my chipping. I'm really enjoying hanging out with all these people from different states and spending time with my family. I need to work on my chipping and long shots tomorrow. The competition is really good and the rest of Team Maryland is doing great!"
Gowdie-Harris added, "I'm having a lot of fun. I'm happy with my performance today and am going to keep the same strategy for tomorrow. The greens are a little fast so I have to adjust for that. I'm really enjoying the people I'm playing with and we're having fun."
Round 2 begins at 8:30 a.m. Saturday and will conclude at approximately 1:00 p.m. The final round is Sunday, beginning with an 8:30 a.m. shotgun start, and medal ceremonies beginning approximately at noon.
The Special Olympics Golf National Invitational Tournament offers five levels of competition on the Ryder and Wanamaker Courses of PGA Golf Club, Sept. 23-25, 2011. Level I is an individual skills contest, where six golf skills are tested. Level II is alternate shot team play, where a Special Olympics athlete is paired with a non-Special Olympics partner of more advanced skill for a 9-hole competition. Level III is Unified Sports team play, pairing Special Olympics athletes and Unified partners of similar ability for an 18-hole competition. Levels IV and V are individual stroke-play 9-hole and 18-hole competitions, respectively.
The tournament closed Day 1 with a special PGA Play Golf America Clinic featuring PGA Honorary Member and renowned trick shot entertainer Dennis Walters. Tournament competitors also will be able to participate in a PGA Sports Academy Skills Contest on Saturday at 2:30 p.m. at PGA Golf Club. This year's tournament will be staged on Eunice Kennedy Shriver Day, Saturday, Sept. 24, when Special Olympics programs worldwide celebrate the movement's founder.
The PGA of America, USGA and PGA Tour are presenting sponsors of the Special Olympics Golf National Invitational Tournament. KPMG is also a Special Olympics sponsor of the event. With the support of golf's allied organizations, Special Olympics golf has grown to include some 18,000 athletes participating throughout North America and more than 28,000 athletes participating in golf in 25 international programs.
Day 1 Top Scores:
Level 5 - 18-Hole Individual Stroke Play
83 – Grace Anne Braxton of Fredericksburg, Va.
84 – Tyler Whitehurst of Palm Harbor, Fla.
95 – Andrew Williams of Hixon, Tenn.
Level 4 - 9-Hole Individual Stroke Play
41 – Danny Peasley of Souris, Manitoba, Canada
44 – Nicholas Urban of White Bear Lake, Minn,
51 – Cody Miller of Hillsborough, N.C.
Level 3 - 18-Hole Unified Sports Team Play
80 – Rohrer/Rohrer of York, S.C.
94 – Abney/Abney of Franklin, Tenn.
101 – Hawkins/Lowe of Mechanicsville, Md.
Level 2 - 9-Hole Alternate Shot Team Play
46 – Hartley/Linderman of Tempe, Ariz.
48 – Martinez/Martinez of Kansas City, Mo.
49 – Powers/Powers of St. Paul, Minn.
49 – Park/Boyle of Auburn, Ala.
49 – Newham/Ostrand of Mesa, Ariz.
Level 1 - Individual Skills Competition (high score wins)
66 – James "Jay" Julian Cromwell of Rockville, Md.
66 – Andrew Peters of Palos Park, Ill.
65 – Phillip Shepard of Mount Airy, Md.
64 – Malcolm Gowdie-Harris of Port St. Lucie, Fla.
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Kings Rally Past Wolves 106-103
SACRAMENTO, Calif. (AP) — Ray McCallum hit back-to-back 3-pointers in a pivotal stretch midway through the fourth quarter, DeMarcus Cousins had 35 points and 15 rebounds, and the Sacramento Kings beat the Minnesota Timberwolves 106-103 on Sunday night.
The Kings trailed by 11 in the third quarter and were down 82-81 before going on an 11-2 run to go in front for good. Cousins, who had his eighth straight double-double, started the surge with a thunderous dunk and McCallum followed with his 3s, one from the left corner and the other from the right.
Cousins was hit with a technical foul with less than 2 minutes remaining, his 16th of the season. By NBA rules, he must sit out Sacramento's final regular season game.
Kevin Love had 43 points and 11 rebounds for Minnesota after sitting out Friday's 112-110 win over Houston because of a hyperextended right elbow.


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Nissan Certified Collision Network
Nissan Certified Collision Network Provider
Choosing a Nissan Certified Collision Network Provider gives you many advantages:
- Nissan Certified Collision Network Providers are I-Car Gold certified and trained to repair the vehicle to maintain future crash worthiness
- Prioritized use of quality Genuine Nissan Replacement Parts
- The necessary tools and equipment needed to repair your vehicle
- Skilled repairs along with Genuine Nissan Parts help preserve your vehicle's value
- Lifetime warranty on complete collision repair**
- Nissan makes a thorough facility analysis and prepares a detailed report to make sure shops are meeting Nissan Program standards
- Customer survey feedback is provided to shops to ensure the level of customer satisfaction expected
Authentic Nissan Collision Repair Parts installed by a Nissan Certified Collision Network Provider
Authentic Collision Repair Parts by Nissan are the only parts designed and engineered exclusively for Nissan vehicles. They preserve the integrity of your vehicle, and keep it looking and performing as it should. That's why, if you're in a collision, you should insist on Collision Repair Parts by Nissan installed by a Nissan Certified Collision Network Provider. They're the same parts and components used at the factory to build your vehicle. It's a difference you can see:
- They install with a precise, good-as-new fit
- Eliminate odd gaps, mismatched or slightly "off" alignments
- Utilize the same quality materials, paints and coatings to match your vehicle
- Maintain the same level of corrosion protection as your vehicle did when it was new
Generic aftermarket parts often can't match Nissan's precision. In fact, studies show that generic parts deviate considerably in their accuracy of fit, due to dimensional variance, and that as many as four out of five non-OEM (Original Equipment Manufacturer) aftermarket crash parts are inferior to OEM parts.
**Based on the Crash Part Certification Study by the Department of Consumer Affairs and Bureau of Automotive Repair (BAR), in consultation with the California Department of Insurance, January 1, 2003.
Keeping your vehicle like new
Keeping your vehicle "like new" helps ensure you'll get the greatest return on your investment at the time of resale. Also, if you lease your vehicle, you'll be expected to return it "up to standard"; otherwise, you may be required to pay additional termination charges. Authentic Collision Repair Parts installed by a Nissan Certified Collision Network Provider help protect you and your investment, and help minimize the possibility that your vehicle will lose some of its value unnecessarily.
Our Anti-Corrosion Warranty
Authentic Collision Repair Parts by Nissan are the only parts protected by the Nissan New Vehicle Anticorrosion Limited Warranty. Generic aftermarket and salvage parts are not covered.* In addition, if generic aftermarket or salvage parts cause any corrosion to bleed onto original parts, the affected parts will not be covered. And if the use of an aftermarket or salvage part causes damage to wiring or air bag deployment, you could be placing more than your warranty in jeopardy. One more thing to consider: Aftermarket part companies don't have your ownership or lease information, so contacting you in the event of a recall is virtually impossible—even more reason why you should insist up front that your vehicle be repaired only with authentic Collision Repair Parts by Nissan.
Your Insurance Coverage
Each state has unique minimum liability insurance requirements you must carry. For information on those requirements, please see your insurance provider. As you determine how to protect your vehicle, here are a few points to consider:
- Your automobile insurance policy is a binding legal contract. Be sure to read it.
- A standard automobile insurance collision policy will pay for covered repairs up to the fair market value of your vehicle less any deductible you have chosen for your policy. It's important to remember that this value can be significantly lower than the cost of replacing your vehicle (or your loan balance). If your vehicle is financed or leased, you will need "gap insurance" in order to be reimbursed any difference between what you owe and what the vehicle is worth.
- In addition to gap insurance, many companies offer replacement cost coverage to cover the total cost of replacing your new vehicle(s) in the event of a total loss. Nissan recommends that you carefully review this option and give it serious consideration.
- Insurance companies are stepping up their use of non-OEM (Original Equipment Manufacturer) parts (salvage and aftermarket parts). Here's a sample of policy language that allows an insurance company to use non-OEM parts:"(The insurance company's) preparation of Auto Physical Damage estimates contain: CAPA certified sheet metal parts, quality salvage, rebuilt, reconditioned and/or remanufactured OEM parts as they apply and the adjuster determines they are of like kind and quality. Non-certified aftermarket crash parts where the manufacturer's warranty meets or exceeds the OEM warranty, to include headlamps, tail lamps, front/rear bumper covers, and bumper parts (excluding energy absorbers and HSLA reinforcements)."
- Some insurers have specific additional premiums to add the right to repair with all OEM parts. Check with your insurer about how much this will add to your premiums.
- It is important to remember that your vehicle is designed to perform as a system and must pass strict tests to ensure the safety of the occupants. Replacement of parts with anything other than genuine OEM parts could alter the performance of the vehicle in a future accident. Therefore, be sure to know what type of parts your insurer will use in case of an accident, prior to accepting coverage.
- Some state governments have responded to this issue and have specific rules regarding the use of non-OEM parts. Below are two examples from the state of Michigan and the state of Texas:
State of Michigan
Michigan law requires a collision repair facility to inform you in writing if the replacement parts used to repair your vehicle are not OEM (Original Equipment Manufacturer, the company that manufactured your vehicle). Parts not produced by the vehicle manufacturer may be of a lesser quality and, if used, may void the manufacturer's warranty. Before authorizing collision repairs, make sure you inform the repair facility and your insurance company if you only want the repair completed with OEM parts.
Texas Department of Insurance
27. CHOICE OF REPAIR SHOP AND REPLACEMENT PARTS. You have the right to choose the repair shop and replacement parts for your vehicle. An insurance company may not specify the brand, type, kind, age, vendor, supplier, or condition of parts or products used to repair your automobile.
- Be sure to know your rights within your state. To learn the laws or regulations in your state, go to your state government's website and search for: insurance regulations and autobody repair parts.
**When Genuine Nissan Parts are used.
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Real Sh*t: Felonious Munk Presents "Stop It B! OBAMA PAY YOUR F*ckin BILL"
"Felonious Munk speaks on the economic state of America and why we shouldn't pay our bills."
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Sugar Cane
Veterinarian Reviewed on January 9, 2012 by Paulina Nelega, RH
Posted in Uncategorized
Sugar Cane
Sugar Cane is a perennial grass that is native to the tropical Asian regions. It has rather fleshy, fibrous, jointed stalks that are abundantly rich in sugar, and it grows to measure between two and six meters tall. It is a member of the grass family, which also includes wheat, maize, and rice. Sucrose is the basic product of Sugar Cane that gathers in its stalk internodes.
Cultivating Sugar Cane requires a temperate climate that has just the right level of moisture. Therefore Sugar Cane is grown in prime growing regions such as in Pakistan, India, Brazil, Peru, Colombia, Bolivia, Ecuador, Australia, the Philippines, Cuba, Hawaii, South Africa and also in El Salvador. Although Sugar Cane produces seeds, growers prefer the modern stem cutting technology as the best common reproduction method. The cutting must at least contain one bud, and hand planting these cuttings in some instances is highly encouraged. In the more highly advanced countries such as the US and Australia, billet planting is utilized.
History and Origin
The inhabitants of New Guinea were believed to be the earliest to adopt Sugar Cane at about 8,000 BC, although the recorded history of solid sugar is in India at AD 500. After it was adopted, the cultivation then spread further and finally reached in to southern China, India and Indochina. The conquerors along with Muslim traders exported the Sugar Cane plant together with the refining technologies to European countries and Middle Eastern countries. The cultivation of Sugar Cane and its processing then extended further and finally reached Persia by the sixth century AD; Sugar Cane was then later carried to the Mediterranean through the Arab expansion.
Ancient Uses
In more ancient civilizations, the people used to chew on the Sugar Cane in order to extract the plant's addicting sweetness. The Indians discovered the process to crystallize sugar at about 350 AD. Initially, original Sugar Cane came from the tropical South and Southeast Asia. However, there are different types of Sugar Cane and most of these newer and diverse species most likely came from different locations such as India and New Guinea.
The early methods of Sugar Cane refining was done by pounding and grinding the cane to be able to extract the juice. The juice would then be boiled afterwards, or dried under the sun in order to yield a more sugary solid.
Modern Uses
• Ethanol
With Sugar Cane, an alternative eco-friendly fuel called Ethanol can be produced. Ethanol is a renewable power resource in place of the more traditional gasoline.
• Alcohol
Sugar Cane production creates a thick substance called molasses that is a vital ingredient of rum alcohol. Pure alcohol is actually produced using molasses.
• Skin Care
Sugar Cane can also be found to be used as a main natural ingredient in a variety of skin care products, such as body scrubs and exfoliating products, due to its grainy texture. When mixed with lemon juice and all other ingredients, it will yield a natural organic wax that is also useful in removing body hair.
• Tobacco
The pure sugar and molasses mixture can be incorporated in to tobacco in order to produce a sweet mixture commonly smoked using a hookah.
• Bio-degradable Plastic
Using modern technology, Sugar Cane is useful in creating an eco-friendly bio plastic that is completely compostable. This is the answer for the traditional non-biodegradable plastic.
• Fertilizer
Sugar Cane together with other ingredients such as lime can produce a soil improver and an organic fertilizer.
Side Effects
A Sugar Cane extract called policosanol is found to have side effects according to studies. This includes dizziness, headaches, insomnia, stomach upset and weight loss.
Suggested Products
Our Expert
Paulina Nelega, RH, has been in private practice as a Clinical Herbalist for over 15 years. She has developed and taught courses in herbal medicine, and her articles on health have appeared in numerous publications. She is very passionate about the healing power of nature. Ask Dr. Jan


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Spread the love: Lochan teas
In January of 2012, I will celebrate my sixth anniversary as a Tea Drinker. Those readers who notice the inappropriate capitalization of that object, read on. Save the red pencil for later, please. Tea Drinkers are those of us who own several tea pots, have at least an entire shelf … Continue reading


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Nikon D70s, f25, 1 sec, ISO 200, 60mm equivalent
Holy Week is perhaps the busiest of the year. There are lots of visits to be made to those in Nursing Homes and the Hospital and numerous housebound parishioners, most of which (I think) appreciate a visit in the days before Easter. It is interesting how the run-up to Easter is done slightly differently in each parish. I'm not the sort of person to say "We'll do it my way", I like to learn what has happened before and try to build on that (at least that's in theory).
I think back over the past five months since our arrival and I have learnt so much just simply by observing how things are done and have been done here. My predecessor was (and is) a very gifted person and also a very thoughtful one. He has left me really helpful notes on what was done before so now for example I can look at the Holy Week services from last year and not copy them but use them as a basis for this year also. Over time things will change as we all learn and grow together on the Journey…
For any that are interested in the photo, it was taken as I was driving (slowly and carefully) along the road past Kilmalooda church. I had previously set up the camera the way I wanted it – an exposure of one second to give the blur and sense of movement and a polarising filter to enable the longer shutter speed. Of course the result may look like a mistake but it is something akin to the image I had in my mind beforehand – like an impressionist painting.


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Goals of the VSI
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History of the VSI
The Accord & Codes
Tools (download and order)
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Federal Task Force on Community Investments
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Canada Volunteerism Initiative (CVI)
Survey of Nonprofit & Voluntary Organizations (NSNVO)
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GrdDog necesitaba un nuevo diseño de página web codificada y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 6 diseños de 2 diseñadores freelance.
We are looking for a brand new review page with collapsible content. The page would clearly show the program, it's status (are they a good / bad program), it's complete review, a graphic of their homepage (linkable), and a comments section. Additionally, the page should have a list (somewhere) of all programs we list.
Accepted File Formats:
Full PSD, W3C Coding / CSS
We are looking for an easy to read review page with collapsible content. The page should have the following:
1. A list of programs available (much like the list of programs on the homepage of affiliateguarddog.com).
2. A review of the program itself (Can see a poorly styled review here: http://www.affiliateguarddog.com/fo…html?t=148
3. A comments section (much like you would see at: http://digg.com/apple/TechTool_Pro_…re_bundle)
4. Digg-Like 'Digg It' graphic
{All coding for comments and 'Diggs' will be done by me with the styling of the template}
This new template should ONLY use the header of the current site (full source can be provided for the current template when a design is chosen). The look and feel should be created by you with web 2.0 & simplicity in mind. Please involve ALL items above and be very creative with the separation of items and the general look.
Thank You.
PS - Payment by Paypal, Moneybookers, ECOCard or any other pre-approved method (must ask first)


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Unless they are in trouble, most people don't wake up in the morning thinking about credit. Not even me, and I've spent much of my career immersed in it. But for most people, credit is an afterthought, and that's unfortunate given the impact it has on our lives. Credit is now at a crossroads. It's evolving right in front of us and that could mean real changes in the way we interact with it. Alternative credit is something we'll all need to think about, though perhaps not first thing in the morning.
Before I joined eCredable, I spent the prior 7 years at the credit reporting agency Equifax. I got up close and personal with the credit ecosystem, both from the perspective of the creditor as well as the consumer. In my capacity as President of Equifax Personal Information Solutions, I worked with a team of people to create a variety of products targeted at helping consumers understand and navigate the complexities of the credit system. It's a topic that requires the development of thoughtful and deliberate products that meet the needs of the infrequent credit shopper.
When you read the extraordinary amount of information that is written daily on the topic of credit, from the perspective of the creditor and the consumer, there's a never-ending discussion on the relevance of credit to our everyday lives. Is alternative credit relevant to the way we conduct our daily financial lives? Now, more than ever, the answer is a resounding "Yes," and here's why.
[Credit Score Tool: Get your free credit score and report card from Credit.com]
Traditional credit originates with the national credit bureaus (Experian, Equifax and Transunion) and consists of the payment information you make for repaying debt, like credit card balances, car loans, and mortgages. It also includes negative information like collections, liens, and bankruptcies. It has been around for quite some time. Like any new source of information, it took awhile for credit reporting and credit scoring to gain acceptance across the entire financial landscape. Understanding that the pace of change is highly correlated to the pace of technological advancements, it's no surprise that automating the decisions associated with credit has been one step behind on this journey. Even though businesses have been able to use credit information in every facet of their decision making processes about consumers (their customers), they never seem to have enough information to further refine their ability to make financial risk based decisions. As the Great Recession exposed the risky lending practices of many lenders, part of the backlash includes a new focus on finding new sources of information to make more informed decisions.
Credit bureaus refer to information that is not contained in a consumer credit file as "alternative data." In the context of consumer credit, it just makes sense to refer to this same information as "alternative credit" when you consider that this alternative data will be used for credit-related decisions. But why is this data "alternative" in the first place? Why can't the credit bureaus get all this information housed in the same databases as the information used for "traditional credit?" It comes down to two simple but important business reasons: information availability and compliance with the Fair Credit Reporting Act (FCRA).
[Related Article: Free Consumer Reports: Nationwide Specialty Agencies]
By information availability, I mean the ability and desire for businesses that have payment information about consumers to report this information to the national credit bureaus. If there's nothing in it for them, why go through the time and expense to share this information? It takes people and technical resources to report information to the credit bureaus. The information has to meet a significant number of minimum requirements for the credit bureaus to accept the information (the keys are quantity and quality). In short, you can't just throw numbers out there and hope they stick.
By FCRA compliance, I mean the legal obligations that the Fair Credit Reporting Act (as well as FACTA, the Fair and Accurate Credit Transaction Act of 2003) places upon data furnishers. (Data furnisher is the name credit bureaus give to companies that provide data to them.) If a business reports information to the credit bureaus, the business needs to be prepared to respond to consumer disputes. In other words, when a consumer applies for credit and he or she is turned down due to an incorrect piece of information that was provided by the data furnisher, the business needs to be prepared to manage a consumer dispute and the potential for a subsequent legal action against the business.
All this adds up to people, time, and money. If businesses can't significantly offset the expense of providing data with insights that will help them run their business better and be more profitable, then there's no reason to report data to the credit bureaus. But this doesn't lessen the need for companies to understand alternative credit. Most businesses want more customers, but they only want more "profitable" customers. They don't want to extend credit to someone they don't think can pay them back as agreed. It's just common sense.
Approximately 75 percent of the adult population in the U.S. has traditional credit. The remaining 25 percent of the population has to get by with alternative credit. Alternative credit is defined as "credit reports and credit scores developed from data sources not typically contained in the national credit bureaus such as rent, utilities, insurance, and other forms of payment."
If you're a business, your first question is "how reliable is this information in making risk decisions?" FICO answered this question in 2007 when it released the FICO Expansion Score™, which uses alternative data to produce a credit score. The company was able to demonstrate that the FICO Expansion Score is comparable in its predictive values as traditional credit scores when evaluating credit. The predictability of the score was extremely similar to the FICO Score all the way through the score range of 300-850, until the score reached 780 (in the higher end of the scale, and not very relevant to assessing people without traditional FICO scores). This is important information, since FICO sets the standard for credit scoring.
If you're a consumer without a traditional credit history (often called "thin file" or "no file" in our world), you're probably wondering how you can use alternative credit to your advantage. The easy answer is that alternative credit allows you to build a credit history based on things you buy, not things you charge, like utility bills, rent payments, cell phone bills and auto insurance premiums.
[Related Article: Specialty Consumer Reporting Agencies: Tenant History Reports]
The law's on your side: the Equal Credit Opportunity Act (ECOA) already provides you with the ability to provide this kind of information any time you apply for credit, and the credit grantor must consider this kind of information when using credit related information to make a decision.
Most consumers don't know about this law, and most creditors don't want to enlighten them. Why? Creditors have no easy way of accepting and using this information in making risk related business decisions. Creditors are completely hooked on using automated credit reports and scores to make these decisions without human intervention. If a consumer shows up at their place of business with a shoebox full of cancelled rent checks, utility bills marked paid, and various other pieces of paper that proves they paid their bills on time, the creditor would have a lot of work to do to understand the value and validity of this information. (It's a little like how creditors made risk decisions 50 years ago.)
So what's a consumer to do? The goal of alternative credit bureaus (like eCredable and others) is to help consumers overcome this challenge. If a consumer wants to avoid going into debt to prove their creditworthiness, but still wants to demonstrate their creditworthiness, having the bills they pay routinely that are not reported to the national credit bureaus can be extremely helpful. For years, creditors have used Alternative Credit in mortgage underwriting. This same approach is being extended to auto loans and credit cards as well.
eCredable is one of the companies helping to address the market need, albeit from the consumer perspective. Experian has expanded its credit file to include rental payment information from some of the larger property management systems that are willing to share data. Equifax has long been in the employment and income verification business, and is looking to complement this information with alternative data. Every year, more companies recognize the need to verify credit worthiness with alternative data, and I believe their requirements for alternative data for risk mitigation purposes will grow exponentially over the next two decades.
Is it time for "Alternative Credit" to join the mainstream credit conversation? It's long overdue.
[Free Resource: Check your credit score and report card for free with Credit.com]
Image: CarbonNYC, via Flickr


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I scream you scream, we all scream for ice cream. That's kind of been the theme around here lately. The kiddos don't go a day with out asking for a little ice cream or popsicles to cool them off. So I've been buying popsicles by the armful...and recently ventured into the ice cream section. Where I came across this.....
Seriously...birthday cake ice cream?! Appearantly I've been under a rock. I had no idea they made such a thing, but I knew it must come home with me. And in case your wondering...it really does taste like birthday cake. It's like licking a cold beater of cake batter :).
I wanted to make the kids a little something cold they could enjoy outside, without sending out my bowls or spoons that always get hidden in the back yard. I ended up with ice cream cupcakes! I layered about half a cupcake, ice cream, topped with whipping cream and then of course tons of sprinkles. Just in case I lost you let me break it down Barney style:
Whipped topping - on top of bithday cake ice - cream on top of white cake...got it? ;) Together making the perfect birthday treat for party planning mommas! Just the right amount to serve the kiddos...it seems that every party we throw away plates filled with melted icing and left over cake. What I really love about them is you can just pull them out of the freezer and serve...no cake cutting or ice cream scooping required. (I really dislike scooping ice cream with all the kids standing around waiting)
Ready to make some?!
Here's what you will need:
1 box white or confetti cake mix (plus ingredients listed on box)
1 pint Blue Bunny Birthday Cake ice cream
1 can whipped topping
1 pint heavy whipping cream + 1/4 cup sugar
Makes 36 cupcakes.
Step 1: Preheat oven to 300 degrees.
Step 2: Mix cake as directed on box. (if using a white you can now mix in sprinkles if you'd like)
Step 3: Spoon 1 1/2 TBS of batter into each cupcake wrapper. (I added sprinkles on now since I was spilting my cake batter)
Step 4: Bake at 8-10. Let cool in cupcake pan. While cooling get out ice cream to soften a bit.
Step 5: Once cooled spoon about 2 TBS of ice cream into the cupcake wrapper. Smooth with small spatula.
Step 6: Place in freezer until frozen. (mine took several hours)
Step 7: Once frozen top with whipped cream and then place back in freezer until ready to serve.
**To make your own whipped cream beat 1 pint of heavy whipping cream in cold bowl until fluffy, then beat in 1/4 cup of powdered sugar**
I love how these can be made ahead of time and served so easily. I made these in a birthday theme but of course there's nothing stopping you from making just about any flavor combo out there. Just a little heads up, they do melt quickly so do not remove from freezer until ready to serve.
Happy Baking!


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Skymare Corporations (SC) Is a Electric Unit With Shock Guns.
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Riffraff Clan
New server just opened free from hacker/cheaters/admin abuse/friendly and kind admins.
IP: net.connect 22.214.171.124:28315
this group is all about rust if you like it come talk about it and join my friendly server lookin for fresh players to have fun.
We are a multi-gaming community set up by a group of friends working on changing the standard atmosphere experienced whilst gaming online, and removed from the politics experienced within "Clans". We value peoples opinions and you dont need to be a member to have a voice so sign up to the forums and let us know what we could be doing better.
We are a group of like-minded individuals, who enjoy participating in online games such as the Battlefield Series, the Arma Series (and associated MODs). This community isnt however based around any one particular game, and you may know of other games that you can recommend and enjoy with our members.
Our community is based on the principles of fair play and good sportsmanship - regardless of skill level. We are however a mature community and therefore must stress that anybody who is easily offended should not join our teamspeak server!!
Hi! im new to DOGs but I have been playing with a bunch of the guys for a while now. My favorite game is probably Wargmae Airland Battle or Battlefield 4
The year 2014 will see release of numerous games, including new installments for well-received franchises, such as Bayonetta, Dark Souls, Donkey Kong, ...
A group for the Console owners who come to insomnia.
The Best Licensed Gaming Radio Station Within the UK & Europe! - Playing all different types for music for all different tastes.
Tune in now @ www.FragRadio.co.uk for the latest music!
www.FragRadio.co.uk is a growing radio and especially dedicated for gamers.
Check out the schedule on www.FragRadio.co.uk.
General information
We play all types of music, ranging from the top 40's to the oldest and best!
A Group for Server Game Admins That Stream to Anti Cheat Sites & like to provide as clean a gaming experience as possible, that also want to help other admins to do the same via helpful topics
This group is for anyone who plays on any NSi Gaming Server, such as NSiCraft our Minecraft Server, goes to the NSi Main Website or is friends of NSi.
Members of BigClan!


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London Fashion Week Tickets
City-Wide Celebration
Designers A-Z
LFW Dates
Positive Fashion
Press Portal
Image Galleries
Contract Opportunities
Bloggers & Digital Influencers
Corporate Hospitality
London Fashion Week announces an exclusive product sponsorship detail with Toni&Guy
From September 2013, label.m, TONI&GUY's Professional Haircare range, is joining forces with the British Fashion Council in an exciting partnership deal.
It is the first time ever that London Fashion Week (LFW) has lent its name to a product line as part of an official product endorsement deal.
In this exclusive collaboration, the label.m Professional Haircare range will feature the official LFW logo on all its packaging.
The specially branded product will be sold in over 5,000 TONI&GUY and label.m appointed salons across 41 countries, providing an innovative new platform for connecting with international markets. The vast global reach that TONI&GUY and label.m can offer will give the UK's biggest fashion showcase even greater exposure abroad and access to new audiences in every corner of the world. A percentage of profits from the sale of each specially branded product will go back to the British Fashion Council in order to help ensure future support and growth for the British fashion industry, which is currently worth over £21 billion to the UK economy.
This collaboration cements a relationship that was established back in 2004, when TONI&GUY first became an Official London Fashion Week Sponsor. It also exemplifies TONI&GUY and the BFC's mutual drive to promote creativity, innovation and excellence, and their commitment to harnessing new marketing channels.
TONI&GUY and the BFC are leaders in their respective markets, and their close relationship serves to strengthen links between the worlds of fashion and hairdressing. Over the past decade, TONI&GUY Global Creative Director, Sacha Mascolo-Tarbuck has nurtured TONI&GUY's relationship with the British fashion industry. Since 2004, the TONI&GUY session team has used label.m to style the hair for around 40 LFW fashion shows every season, including Giles, Jean-Pierre Braganza, Pam Hogg, E. Tautz, Todd Lynn and Hackett. This latest collaboration consolidates label.m's relationship with London Fashion Week and provides a fitting complement to TONI&GUY's 50th anniversary 'Hair–Fashion–Heritage' celebrations. Finally, and crucially, it embodies TONI&GUY's continued commitment to supporting and promoting newly emerging as well as recognised British design talent.
The London Fashion Week label.m Professional Haircare range will be launched in the UK from September 2013 at London Fashion Week, and in TONI&GUY and appointed label.m salons, with a planned global roll-out during 2014.
Caroline Rush, CEO, British Fashion Council: "This commercial collaboration marks a turning point in the way we have previously operated. By rolling out an exclusive branded product, we will be directly engaging with the consumer and sharing the London Fashion Week 'behind-the-scenes' expertise with the global market. With its emphasis on innovation and education, the sensibilities behind the TONI&GUY brand make this the perfect partnership for us."
Jenico Preston, Head of Sponsorship, British Fashion Council: "We want to ensure that we're leading the global fashion industry by identifying and developing new ways in which to leverage commercial value from the London Fashion Week brand. This collaboration with label m. allows us to increase our exposure and raise valuable revenue that can then be invested back into the growth of UK designer businesses."
"I am extremely proud of our close association with the British Fashion Council and the fact that we are approaching a ten-year anniversary of supporting emerging, as well as existing design talent. It gives me great pleasure to be able to extend the partnership in a way that now involves our product line, and which is a first within the industry." - Sacha Mascolo-Tarbuck, Global Creative Director, TONI&GUY


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Joy Yee Noodle Restaurant in Naperville, IL
[dropcap]I[/dropcap] am sitting in a restaurant in affluent Naperville, IL called the Joy Yee Noodle Restaurant… but if I close my eyes I could literally be in a number of other countries. This is as authentic as it gets anywhere in Chicagoland and the food tells the story better than my meager ramblings. Joy Yee is a unique spot that seems to specialize in a number of popular Asian dishes (Pan-Asian Cuisine). I've seen this before and it is usually a train wreck, but Joy Yee seems to be able to hold a position that many other restaurants can't. The menu is filled with Vietnamese, Korean, and Chinese dishes (to name a few). Everything is authentic, filled with incredibly fresh veggies and herbs.
Authenticity at Joy Yee is further illustrated by the huge assembly of Asian patrons that make up 85% of the people dining in the restaurant (even at 2pm on a weekday the place is packed). Joy Yee has a cafeteria style seating encourages larger groups to assemble, eat, talk and have a great time. The noise level is what I would rate high. High enough that you can have a nice lunch with one person and say whatever you want because no one else could possibly hear you. However if you go there with a group, you will need to be really loud to get your voice heard across the table 🙂 Joy Yee in Naperville seats at least 50 people. I've been there half a dozen times in the year I've lived in the area and every time I go (I've been there during lunch, 2-3ish, dinner, after dinner and late (just before close). Every time I go there they are at 50%+ capacity.
I ordered a combo which has a special Joy Yee Pork Chop Sandwich and a small bowl of Pho. The small bowl is roughly the size of a normal serving bowl you would layout at a family gathering and could serve several people. I also ordered shrimp spring rolls. I know you are thinking… "Pork Chop Sandwich?" that's something you might find over on Maxwell Street in Chicago but I assure you… it is a different kind of Pork Chop Sandwich and OMG it is just as good! I also ordered a blueberry mango smoothie with Tapioca.
Joy Yee Noodle Taste Test Results
The pho(soup) which has many nice pieces of beef, vegetables and noodles has a savory wonderful broth with a hint of cinnamon finishing off the taste. The flavors all play very well together and the result is a soup experience that makes you self-conscious that you haven't put your spoon down. The spring rolls are fresh and each one is twice the size if spring rolls I have had in other Vietnamese restaurants (please note in the picture I hit the spring rolls before it dawned on me that I hadn't snapped a shot. So what you are seeing there are two different spring rolls that had been cut in half. Each roll is twice that long, and the entire thing is 1 order of shrimp spring rolls. They are a meal by themselves, but I'm a fat guy 🙂 The Pork Chop sandwich arrived shortly after I was finished with my soup and it was large, with just the right amount of everything on it. It was sweet, spicy and savory all at the same time. The thing was a master piece of yummy. For dessert (I could barely walk at this point, but I did it anyway because I had never had one) I got the blueberry mango smoothie with Tapioca. It was SO good. All in all I had an outstanding lunch, I waddled off into afternoon and went back to work. You can check their website out here. They offer delivery and online ordering through their website.


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zoosalt needed a new logo design and created a contest on 99designs.
A winner was selected from 88 designs submitted by 22 freelance designers.
logo with character reminiscent of the popular heroic space alien cartoon character
Accepted File Formats:
Standard Web Formats (.jpg, .gif or .png); Vector Formats (.eps, .pdf or .ai); Layered Formats (.psd or .tiff)
We're looking for a logo with a main character that resembles the popular (and old) manga character 'Astroboy'.
This new character creation to be placed alongside the logo text should be shorter than Astroboy (perhaps half the height), but still with a friendly face and a heroic stance. He should also wear a spacesuit and a helmet (but one that does not cover face) and have a smile.
logo text:uniboy
text style: free to chooseÂ
Find out how a design contest works or learn more about our logo design services.


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Jeremiah Carroll needed a new web page design and created a contest on 99designs.
A winner was selected from 2 designs submitted by 2 freelance designers.
Need poker-themed clip art and a background.
I am creating a site where our end users can create their own pages based on your clip art. So, I've decided to give 99designs.com a try. Let's start with a poker theme.
I'm looking for multiple .PNGs that represent a poker game, plus a background. These .PNGs must have transparent backgrounds because they will be drag-n-dropped around using JavaScript. Around 100px by 100px would be a good size for these .PNGs.
The examples below aren't hard requirements, merely suggestions. You can arrange them however you like on the prototype.
- Green felt background that can be repeated both horizontally and vertically.
- Royal Flush
- Four of a kind
- Full house
- Pocket Aces
- 2-7 offsuit
- poker chips
- Dealer button
- short stack
- club
- spade
- diamond
- heart
- all-in
- big blind
- etc...anything else you deem fit