text:
Office of Banks and Real Estate's (OBRE) proposed rule titled "High Risk Home Loans"
Comment Letters to Regulators
February 12, 2001
William A. Darr, Commissioner
Office of Banks and Real Estate
500 East Monroe Street
Springfield, Illinois 62701
Re: Proposed Rulemaking; Title 38, Part 345: High Risk Home Loans
Dear Commissioner Darr and Assistant Commissioners Stevenson and Clarke:
On behalf of the Community Bankers Association of Illinois ("CBAI"), I am submitting this comment letter concerning the Office of Banks and Real Estate's ("OBRE's") proposed rule titled "High Risk Home Loans."
First, CBAI renews the issue that we raised in response to the emergency rules regarding whether the Illinois Banking Act empowers OBRE to promulgate a rule such as this. Section 48(6) authorizes OBRE to promulgate rules relating to "administering the provisions of this Act." We have neither seen nor heard anything that persuades us that the Illinois Banking Act contains provisions specifying under what terms, conditions, underwriting standards, etc. a mortgage lender must or should do business. If such provisions are to be found in the Illinois Banking Act and we have merely overlooked them, please direct us to those provisions and we will reconsider our objection on this point. If such provisions are absent from the Illinois Banking Act, then it is difficult to accept that these rules are authorized by Section 48(6). This is consistent with CBAI's position all along that predatory lending should be addressed by Illinois lawmakers and regulators through reasonably targeted legislation that receives thorough consideration, rather than trying to address this significant societal ill with tools (i.e., current statutes and rulemaking authority) that have not contemplated and were not designed to address this problem.
Comments on the text of the proposed rule follow in section-by-section format.
Section 345.10 Definitions
The definition of "high risk home loan" illustrates the vulnerability of a rule that is not grounded in statutory guidance or direction. OBRE has created a definition of a term never before contemplated under the Illinois Banking Act, and has used administrative discretion to impose definitive numbers (i.e., APR percentage points) that will affect the manner in which and extent to which a mortgage lender/servicer will be regulated in Illinois.
The definition of "servicer," being limited to "any entity chartered under the Act," makes clear that state-chartered banks will be treated differently than their counterparts and competitors that were not chartered under the relevant State law. Furthermore, that definition refers to entities that collect or remit payments "on a residential mortgage loan in accordance with the terms of the residential mortgage loan." If this rule is aimed at regulating "high cost home loans," should the term "high cost home loan" be used in the definition of "servicer" rather than the much broader term of "residential mortgage loan?"
In the definitions of "points and fees" and "total loan amount," are the citations (i.e., 12 CFR 226.5 and 12 CFR 26.32, respectively) correct? Also, in paragraph (c) of the definition of "points and fees," there is a reference to "paragraph (1) of this subsection." I do not see a paragraph (1) to which that reference would apply.
Section 345.20 Ability to Repay; and Section 345.30 Verification of Ability to Pay Loan
CBAI will not argue with the premise that sound underwriting practices would include the lender ascertaining, in the lender's judgment, the ability of the borrower to service the debt. However, making that self-serving and self-evident business practice a part of a statute or regulation could invite lender liability litigation down the road. A debtor's attorney may argue, in virtually any case where the borrower has defaulted, that the very fact of default is some evidence that the debtor was not able to service the debt over the term of the loan at the time of origination. We are not suggesting that the proposed rule was intended to incite lender liability litigation, but it is a foreseeable consequence when a desperate and disgruntled borrower goes into default and seeks a legal way to avoid his or her obligation or to place blame on the lender for "irresponsibly" loaning him or her funds that eventually ruined a business, a credit report, etc.
Section 345.45 Prepayment Penalties
The first line of this section refers to a "subject loan." Is this a reference to a "high risk home loan?" It also refers to "a prepayment penalty made (i) after the expiration of the 36 month period...." Should that reference be to the making of a prepayment penalty, or to the making of a prepayment?
Sections 345.50 through 345.100
Again, each of these sections impose new, substantive restrictions on lenders when the Illinois Banking Act does not address underwriting standards or financing/refinancing terms and conditions. These are additional illustrations of where this proposed administrative rule would be legislating standards and limits that were never approved by, or delegated to OBRE from, the General Assembly.
Of particular interest is Section 345.80 ("Payments to Contractors"). This section takes the undelegated regulatory discretion to a new level, restricting the transactions not just between a lender and its borrower but now also between a lender and a home improvement contractor. Furthermore, Section 345.80 is not limited to transactions involving "high cost home loans."
Section 345.110 Counseling Prior to Perfecting Foreclosure Proceedings
In subsection (c), is it sufficient that the borrower must only demonstrate that he or she is "seeking" credit counseling in order to warrant forbearance. CBAI would prefer something more verifiable, such as the fact that the borrower is "undergoing" or "attending" credit counseling sessions. Again, at the end of subsection (c), is "subject loan" the same as "high risk home loan?"
Section 345.130 Report of Default and Foreclosure Rates on Conventional Loans
In subsection (a), the term "conventional loan" is undefined. Subsection (b) asks for some data that might not be readily available to the lender and may add cost and administrative burden to the lending and reporting process. Also, do state banks have comfort that disclosure of these borrowers' names and loan data will not create a violation of the state or federal customer privacy statutes and regulations?
Section 345.140 Commissioner's Authority – Unusually High Rate on Conventional Loans
The focal point of this section is OBRE's ability to sanction a lender that has a higher-than-average foreclosure and default rate when compared to other lenders in a given "area." Two defects with this proposition are that: (1) it is essential for purposes of due process to know what a given "area" is; and (2) the average of defaults and foreclosures in a given "area" will be impacted by the lack of data from similarly situated national banks and federal savings associations.
Due process would require that a bank be put on adequate notice as to the rules and standards that will be applied to it before it becomes eligible for sanctions. No bank can feel secure that it has adequate notice or direction as to its "permissible" rate of foreclosures or defaults if it is going to be compared to other lenders in an undefined "area." Does this mean that a bank is going to be compared to the averages in its county? Will it be compared to averages in a SMSA? Will it be compared to averages in some other geographic or commercial grouping of institutions known only to OBRE "on a case-by-case basis" as suggested by the proposed rule?
Also, national banks and federal thrifts will not have to supply the foreclosure and default data. What happens when a state bank's rate slightly exceeds the "average" reported by state banks in OBRE's undefined "area," but the state bank wants to argue that federally-chartered institutions in that "area" had disproportionately high foreclosure and default rates that would have (if duly taken into consideration) caused the state bank's rate to fall "below average?" Would this be an affirmative defense against OBRE's sanctions? How would or could the state bank make its case on this point, given the fact that OBRE cannot compel the federally-chartered institutions to provide the data that might "exonerate" the state bank in question?
Section 345.150 Commissioner's Action – Unusually High Rate on Conventional Loans
Under subsection (a)(1) of this rule and Section 48(3)(a) of the Illinois Banking Act, would the expense of OBRE's examination under these circumstances be borne by the state bank?
In subsection (a), CBAI suggests that the regulatory consequences of the above-average rate of foreclosures and defaults should be subject to a lack of an apparent explanation that is unrelated to abusive lending practices. For example, a bank may encounter a high number of foreclosures and defaults in a given period of time due to a plant closing that causes a number of local borrowers to experience loss of income. If the default and foreclosure rates were tied to a cause that was beyond the bank's control, the bank should be able to assert such cause as a valid basis for avoiding the regulatory requirements envisioned by this proposed rule.
In subsection (3)(C), does OBRE really mean that all prospective borrowers would have loan applications submitted to OBRE for third party review? Would this include credit card applications, car loan applicants, only high risk home loan candidates, or any borrower who pledges real estate as collateral for any type of borrowing?
Section 345.160 Third Party Review of High Risk Home Loans
Is OBRE exposing itself to any liability through this process? For example, if OBRE "approves" a high risk home loan application scenario and two years later it turns out to be detrimental to the borrower, would OBRE be subject to any liability? If OBRE-approved loan applications result in a higher-than-average rate of foreclosures and defaults when compared to the averages established by a group of banks (on a case-by-case basis), would OBRE be subject to regulatory or industry sanctions? When would OBRE determine that a "high risk home loan," at several percentage points above the applicable Treasury rate or with extremely high points and fees, "makes economic sense to the borrower?"
Once again, CBAI is not a defender or supporter of predatory lending tactics. We suspect that predatory lending is primarily engaged in by certain entities and in certain geographic areas, and that properly focused legislation could go a long way toward addressing this problem. While community bankers are not the source of the predatory lending dilemma, we do have a stake in protecting our ability to make mortgage loans to our customers without facing unnecessary burdens or costs. This includes objecting to regulations that CBAI believes to be unauthorized by the law, overly broad for their intended purpose, lacking in notice or direction to the entities that might be penalized under the regulations, and not conducive to a level playing field given the fact that the regulations would place burdens and threaten sanctions on only certain state-chartered lenders.
Thank you for your consideration of these comments. If you have any questions or seek any additional information, please feel free to contact me.
Jerry D. Cavanaugh
General Counsel


text: According to Kaspersky Lab Securelist, Adobe Acrobat Reader was only behind Java in the list of applications with the most targeted vulnerabilities last quarter. Attacks against the PDF program made up 25 percent of all Web exploits. Creativity is rewarded in attacks against PDFs. For example, at the BSides conference this year, one researcher demonstrated how SQL injection attacks could be made against websites serving PDFs that could offer up a number of nasty malformed versions of legitimate-seeming documents.

subset: commoncrawl


text:
The U.S. federal district court overturned Proposition 8 on the grounds that the ban prohibiting same-sex couples from marrying is unconstitutional under both the Due Process and Equal Protection Clauses. The case now moves to the Ninth Circuit Court of Appeals.
The Feminist Majority Foundation campaigned to defeat Prop 8 and coauthored an amicus brief with NOW submitted in a case before the California Supreme Court in favor of overturning Prop 8. In response to the ruling, Katherine Spillar, Los Angeles-based executive vice president together with Eleanor Smeal, president, issued the following statement:
"We are thrilled with today's ruling upholding the right of same-sex couples to marry. As the trial showed - and Judge Walker's decision affirmed - there truly is no substance to the arguments of those who would deny full equality to lesbians and gay men. Same-sex couples will now be able to enjoy the same freedom as other Californians to marry the person they love."
"This recognition that Prop 8 is unconstitutional is an important victory for minority interests beyond those pursuing the right to enter same-sex marriages since it reminds us that fundamental rights are not up for grabs at the whim of the majority at the ballot box. The court's ruling has a direct and profound general impact on the fundamental rights of equal protection and sexual privacy, which rights are paramount to full equality for women."
"The proponents of Prop 8 will undoubtedly appeal this decision. We are prepared to support a return to the ballot box in 2012, if necessary."
Katherine Spillar also serves on the Board of Equality California.
Thursday, August 5, 2010
Feminist Majority Foundation Applauds Overturning Proposition 8
Posted by Tania at 12:04 PM
Labels: Equality, feminist activism, Prop 8
1 comment:
That's fantastic!!!
- August 6, 2010 at 1:57 PM
Subscribe to: Post Comments (Atom)


text:
SOURCE: BMO Harris Bank
December 27, 2012 12:09 ET
BMO Harris Bank Shares Month-by-Month Tips
BMO Harris Bank Shares Month-by-Month Tips
MILWAUKEE, WI--(Marketwire - Dec 27, 2012) - Don't worry that you may have missed the year's best deals because you didn't buy that big screen TV on Black Friday. Or that you will pay too much to replace your refrigerator that just went kaput. Retailers will tell you that there are great deals throughout the year if you know when to look.
As part of BMO Harris Bank's commitment to "Making Money Make Sense," and with help from the National Retail Federation*, here is a month-by-month breakdown of historically when you may find the best deals.
January - The first month of the year is a great time to pick up linens and winter clothes.
February - Pining for a big screen TV to watch the big game? Watch for specials just before game day. The first several days of the month are a great time to buy Valentine-themed gifts such as jewelry and fragrances.
March - Spring and summer clothing choices are at their peak.
April - Fashions for spring are already beginning to be marked down.
May - Early in the month be sure to look for Mother's Day specials.
June - Nearly everything a father or recent grad could want is promoted in June. Appliance makers are beginning to introduce their new models; you may save some bucks if you purchase last year's model.
July - With summer in full swing, retailers offer plenty of sales and clearance promotions.
August - It seems that everyone has school supplies and 'all things college' available this month.
September - Retailers are beginning to clear out their summer merchandise. New car models are rolling in and you may be able to negotiate a favorable deal if you buy a current-year vehicle.
October - Although not known as a big SALE month, you may find a sweet price on an outdoor grill as retailers are clearing out their remaining stock to make way for holiday items.
November - Are your floors looking shabby? This may be the month to replace your carpet and flooring, just in time for the holidays. To help with your holiday cooking, disposable bakeware is plentiful.
December - If you've been watching prices throughout the year, you'll know if a Black Friday or Cyber Monday special is a great deal. This has typically been a good month to buy winter apparel, home décor, or a computer.
"Whenever it is you choose to do your shopping, if you do your research and can exercise a little bit of patience, you may find that you can save money; and that's a good deal any time of year," said Kara Kaiser, Regional President, BMO Harris Bank.
For more information on budgeting and saving, visit: helpful steps or stop by your local BMO Harris branch.
About BMO Harris Bank
Based in Chicago, BMO Harris Bank N.A. provides a broad range of personal banking products and solutions through over 600 branches and approximately 1,300 ATMs in Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Nevada, Arizona and Florida. BMO Harris Bank's commercial banking team provides a combination of sector expertise, local knowledge and mid-market focus throughout the U.S. Deposit and loan products and services provided by BMO Harris Bank N.A. Member FDIC. BMO Harris Bank(SM) is a trade name used by BMO Harris Bank N.A. BMO Harris Bank is part of BMO Financial Group, a North American financial organization with 1,600 branches, and a retail deposit base of approximately $180 billion.
*Information has been used with permission from the National Retail Federation.
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text:
Schaeffler applies cookies to secure an optimal use. With the further use of this website you accept the application of cookies. More Information
Manual (mounting, operation) | 2007-09
Axial/radial bearings with integral angular measuring system
Teach-In and diagnosis manual
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text:
Rev. Reuben E.
The Bethel Clarion
Vol. XVIII No. 7 BETHEL INSTITUTE February 8, 1939
Bethel Loses Prof. Nelson
Dating back to 1927, pleasant connec-tions
between Rev. Reuben E. Nelson
and Bethel Institute have been constant-ly
increasing, and it is certain that future
connections between the two, even
though not quite as intimate perhaps,
Will prove to be as pleasant.
Rev. Mr. Nelson is the son of Mrs. P.
G. Nelson, of St. Paul, and of the late Rev.
P. G. 'Nelson. He grew up in a spiritual
atmosphere, accepted God's plan of sal-vation
at an early age and was baptized
on confession of his faith at the age of
nine. After graduation
from Des Moines Uni-versity,
Mr. Nelson en-tered
Bethel Theologi-cal
Seminary in 1927,
receiving his B.D. de-gree
from that institu-tion
in 1930. Since that
time he has taken grad-uate
work at Yale Uni-versity
and Andover-
Newton Theological
Seminary and received
in 1933 the degree of
Master of Theology.
While a student in the
East, Rev. Mr. Nelson held pastorates in
New Haven, Conn., and at Brockton,
Becomes Promotional Secretary
With this excellent training and back-ground,
Mr. Nelson resigned his Brock-ton
pastorate to accept the position of
promotional and educational secretary of
our own Bethel Institute, taking up his du-ties
September 1, 1934. In pursuing his
work here at Bethel, Mr. Nelson had two
commendable aims, the first of which
was to successfully direct and control
the finances of the school; the other, to
interest many young people, particularly
those of our own denomination, in Bethel.
At the same time, he was zealous in fur-thering
the entire program of the Gen-eral
Conference. In this combination, Mr.
Nelson found a man-sized job—but he
proved equal to it.
Active On and Off Campus
Of the four and one-half years that he
was a member of the -Bethel school fam-ily,
four of those years were spent in the
above-mentioned capacity. The remain-ing
one-half year indicates his work as
fulltime professor in the seminary for
the semester which has recently been
completed. During that short period he
capably taught several subjects in the
Men of Note Plan
Southern Tour
When one begins to hear familiar
songs echo in the rooms and halls, he
can be certain that the Male Chorus is
preparing for the annual spring concert
tour. No single event holds with it such
significance and carries such anticipa-tion
to the downy maestroes of Bethel as
this trip.
So once again this spring, the tremelo
tenors and the blaring basses eagerly
await the day when they may take a box
of Vicks, pack suitcases to capacity, fill
pocket's with penny post cards and board
the bus that will transport them on the
Six States to Be Visited
This will be the seventeenth season
that the Male Chorus will make a good-will
tour to represent the school and our
Lord, Jesus Christ. A twelve-day trip,
beginning the day after Easter, has been
outlined, that will include concerts in
churches in southern Minnesota, South
Dakota, Nebraska, Kansas, Missouri and
All of the fellows eagerly await for the
dawn of April 10, for it is then that the
assigned numbers are called out and the
bus leaves for the extensive trip. The
executive committee of the club with Ned
Holmgren as president is co-operating
with the administration to make final
and detail arrangements for the 1939
seminary and one course in the Christian
Workers' department of the Junior Col-lege.
In addition to his secretarial and
teaching work, Rev. Mr. Nelson served
as secretary of the Alumni Association
for several years.
Despite the loss which the school has
felt in Prof. Nelson's leaving, students
and faculty rejoice with him in his ad-vancement
and wish him crowning suc-cess
in all of his endeavors as the new
executive secretary of the Minnesota
Baptist Convention.
The annual Founder's Day celebration
has this year been lengthened to almost
a full week of festivities with a special
program arranged, bringing speakers
from as great distances as Chicago, Ill.,
and Rockford, Ill., and enlisting all the
churches of the conference to commemo-rate
the one-hundreth anniversary of the
birth of John Alexis Edgren.
Dr. Alexis Edgren
In past years, the celebration has been
a program of one day, to 'which those in-terested
in the school were invited to
the school were invited to keep alive the
memory of him who sacrificed so much
that we, who were to follow, might have
an institution in which to train for the
great work of forwarding the gospel at
home and abroad. This year being the
one-hundredth anniversary of his birth,
it was considered appropriate to cele-brate
it by a week of special commemo-rative
services throughout the denomina-tion.
This celebration, if carried out ac-cording
to the ideals and objectives set
before it, will promote the future growth
and prosperity of the work of'the school
and its part in the extension of the King-dom
of God.
(Continued on page 3)
Sacredly Secular
The normal life of a student is fourfold.
We catagorize the different elements in our lives in these four groups to show the
complexity of one's life, not in order, to set up division. But all too often this is the
case. One person is a marvelous athlete but a poor student; another is a marvelous
student but definitely a social wall-flower. The one Christian is a pious person, but
a poor sport. What a tragedy.
There is but one single objective in our life and that is to glorify Christ. In order
to do that, we must advance as He, "in wisdom and stature, and favor with God and
man." Unless we do so in every respect, we're not living up to the utmost of our
capabilities. Study to the glory of Christ, play to the glory of Christ, sing to His
glory and live completely to His glory.
Make the so-called secular side of your life sacred.
Thy Word have I hid in my heart. Psa. 119:11.
David reveals the best method of studying God's word when he cries, "Teach
me, 0 Lord, the 'way of thy statutes." v. 33.
It has rightly 'been said, "He who is his own pupil has' a fool for a master."
How foolish of man to grope in the mysteries of such a Book when he can' call
on the Author who has promised, "I will instruct thee and teach thee in the way
which thou shalt go."
A lesson is not necessarily learned because we have memorized the text.
A learned lesson requires a comprehension of all that the facts contain. "Give
me understanding, and I shall keep thy law," pleads David, and so shall we
that our soul may be deified.
The soul with such an education needs help in its application. Let him
pray, "make me to go in the way of the commandments." He will then step
out, a living epistle, to reveal the wisdom of God to a lost and ignorant world.
—Carl Holmberg.
Page 2 THE BETHEL CLARION
The Bethel Clarion
1480 N. Snelling Ave., St. Paul, Minn.
Official School Paper of Bethel Institute Published twice
monthly during school year
Gordon Peterson—Carl Young Co-editors
John Valine News Editor
Viola Waihela Feature Editor
Vernon Pearson Sports Editor
Alrik Blomquist Business Manager
Dorothy Drotz Asst. Business Manager
Stanley Rendahl Circulation Manager
Doris Eggleston Asst. Circulation Manager
Grace Widen—Elaine Youngquist Typists
Miss Enid Platte Editorial
Dean Emery A. Johnson Business
Student Opi•n ion 4
Question: How could Bethel be im-proved?
Stress that the college is not neces-sarily
a training place for preachers and
missionaries but that it is an accredited
secular educational school in a Christian
atmosphere.—Frances McOlash.
Every one should attend to his own
business and not every one elses.—Ruby
Forth Into the Future
Two prominent Bethelates have consented to fill in the vacancies left in the class-es
taught by our former professor, Reuben Nelson. Rev. E. A. Finstrom, who taught
in the Seminary from 1920-1934, will return to give instruction in Biblical Archeolo-gy,
a subject which he taught here previously. Rev. Eric Lindholm, who substituted
at Bethel on another occasion, will become instructor in the class of Advanced Homi-letics.
Professor Olson has ,consented to add to his busy schedule the teaching of
the 8 o'clock Bible Class. The instructor in Greek Exegesis has not yet been an-nounced.
This arrangement is temporary. A new memiber of the faculty will be se-cured
for the next school year.
Vacancies arise and they must be filled. Therefore the above news is of impor-tance
to all Bethel students, especially those individuals in the seminary. Not that
mere names are a solution to the problem facing the school board and not so muck
that instructors have been found to take care of the classes that Prof. Nelson taught,
but the noble aspect of the appointments is the fact that these men were capable
and willing to step in when the time came for their call. High tribute is theirs.
We are likely to be under the erroneous impression that faculty changes will
cause the foldup of the school. The entire student body regrets exceedingly the fact
that Professor Reuben Nelson left the faculty (temporarily, we hope, for he is defi-nitely
needed in Bethel), and in due respect to the appointments made we can truth-fully
say, Bethel still marches on!
Change the idea that the first time you
take a girl out every one should talk
about it, and after the second time, you
may as well take her to the altar.—Hen-rietta
A business course should be added to
the curriculuan.—John Valine.
More quiet in the libraries.—"Snuffy"
The school year should be divided into
quarters instead of semesters, in order
that a student may start any time of the
year; examinations would be less of a
strain; and make the possibility of a
summer session.—Ethel Tederman.
'—Earl Sherman.
After all, we're in college, and we
should act a little grown up.—Dorothy
Supply another word instead of "Insti-tute"
to Bethel. It sounds like a place
for the mentally deranged.—The Wart.
The music department should be ex-panded.
The seminary could be adver-tised
more efficiently.—Sidney Larson.
A faith to step out and do things; those
things which we cannot already see.—
Gordon Anderson.
THE BETHEL CLARION Page 3
Reggy, Again?
Dear susie
ya no more git started when ya hav ta
begin period exams is over an we thot
sure that profs wod be so tireda seein
Fs that wed git it a lil Easier fer a spell
comma so that a coupla As wod crop up
but no sich luck cause no As aint flyin
Around period granpa ;holmberg sez to
grin an bear it but that grinning jist
dont corn natchurel an there aint No
choice about bearin it period we had a
fin time at chatooqua that other nite
period its kinda interustin ta see how
drawins is drawn And not only that it
was partikilar inturestin ta really find
out who Was the most distingushed gent
in tha school an when it came ta a show
down comma ell Sherman found his Place
period a thunda storm thundad arouii
one day an maid tha gulls a lil scared
but roy lundquiss jus slep rite thru it
period maibe it was roy wat scared tha
gulls period ow revow entil anuther
time. —from reggy.
Founder's Week
(Continued from page 1)
Memorial Library Is Project
A committee has also been appointed
to launch an Edgren Memorial Fund and
this committee recommends that plans
be made to include the erection of an
"Edgren Memorial Library" on the school
campus as a centenary project. Such a
project will meet a need of long standing
for better library facilities, as well as
for more room for the Seminary. At the
same time it would take the entire school
into consideration. The financial goal in
an effort of this type would have to be
about $35,000.
The week of activities is to open with
a banquet at the school on Monday eve-ning,
February 20, at which a Swedish
poem about Dr. Edgren will be read by
Rev. R. A. Arlander. Rev. L. J. Ahlstrom,
who is 85 years of age and the oldest
graduate of the school, will give an his-torical
sketch, and Dr. Arvid Hagstrom
will deliver an address. This banquet is
open to all.
There are to be day and evening ses-sions,
Tuesday through Friday, with the
day sessions at the school, and the eve-ning
sessions in the Twin City churches.
Two addresses between the hours of ten
and twelve each forenoon, two addresses
on each of the two afternoons, and one
address at the 7:30 meetings, will be the
daily program. Music will be furnished
by students for the services at school,
and the churches will furnish special
numbers at the evening sessions. The
main emphasis in the messages will be
upon the doctrines especially set forth by
Dr. Edgren.
Feb. 13—Basketball, Bethany—there.
Feb. 14—A Cappella Choir party.
Feb. 15—Missionary Band.
Feb. 17—Basketball, Waldorf—here.
Feb. 18—Basketball, Farm School —
Feb. 20—Basketball, Rochester—there
Feb. 20-24—Founder's Celebrations.
Feb. 2,2—Washington's b i r t h d a y, a
Cordial Invitation
As we begin a new semester we are
looking forward to' a happy and profit-able
time as members of the Missionary
Band. A large number joined the society
last fall, but only a small percentage
have attended regularly. We should like
to see all who are really interested in
missionary activities take an active part
in both the mission study classes and the
missionary meetings held at various
places, as well as our regular monthly
meetings, held the third Wednesday of
each month. Tuesday, February 7, the
Mission Study Class, taught by Prof. A.
Olson, held its first meeting this semes-ter.
The Mounds and Midway nurses
were our guests. February 15 we have
our regular monthly meeting. An inter-esting
program is guaranteed, and we
would like to see you there, enthusiastic
and ready for a semester of active work.
—Ruth Ericson, Sec'y.
From Ear to Print
Ambrose Collins underwent an appen-dectomy
Ethel and Gerald Ahlquist made their
radio debut over station WMIN, Febru-ary
2. They were interviewed in regard
to their impressions of India.
Among previously mentioned students
who are not returning is Albert Sand-strom,
who temporarily discontinues be-cause
of poor health. Kermit Johnson
will also be missed the second semester.
Among the grads who has found favor
in news columns is Bob Wingblade who
won the "National" snowball throwing
contest at the University of Minnesota.
Willard Anderson, first year semina-rian,
has been forced to discontinue stud-ies
because of ill health.
1573 University Ave.
Midway 9910
Do "You Xemember ?
"Lightly Flying O'er the Stow"
January 22. A large group of the stu-dent
body enjoyed a sleigh ride party
given by the faculty. Three sleighs were
loaded and set out about the vicinity of
the school. Returning to the chapel, the
group enjoyed a light lunch served by the
faculty. Coach Adams directed a num-ber
of games after which songs were
"What Was He Doing, the Great
Gad Pan"
January 30. The artist, J. Franklin
Caveny, presented a pleasant evening of
entertainment. Mr. Caveny divided the
program into three interesting phases,
each representing an individual method
of visually translating his talents.
The portions of poetry and the illus-trations,
which he quoted as he worked,
sustained an undivided attention and em-phasized
the sentiments of the various
"Tribute to Whom Tribute is Due"
February 1. Tribute was paid to Dr.
Hagstrom by a student, Maurice Wess-man,
and a friend, Dr. Wall, at the Alexis
meeting. One phase of Pastoral Theolo-gy,
"The Pastor and the Young People,"
was discussed by Rodger Goodman, Ned
Holmgren, and Maurice Lawson.
Each meeting this spring will be held
in honor of a member of the seminary
faculty in which a 'brief life sketch will
be presented and tribute will be paid.
"Who is Sylvia, What is She?"
February 2. Honorable tributes were
paid to the bachelor life of Clarence Ol-son
last ground hogs day at the home of
John Valine by a group of "note" friends
of Bethel. About three years ago "Clag"
was afflicted with a dangerous case of
heart trouble that has doomed the days
of his single bliss.
The last rites will be on February
eighth when Clarence will take Sylvia
Abra,hamson, also a former Bethel stu-dent,
to be his wife.
WHAT: All school basket ball trip.
WHEN: Monday, Feb. 13, 1939.
WHO: Basket Ball teams, varsity and
girl's team, Band, and stu-dents
who wish to go.
PRICE: One Dollar per person.
AND SO: Watch for further definite an-nouncements.
'HAT s""s"'s THE ANDERSON PRESS 11F 4209 Standish Ave. — Minneapolis
Page 4 THE BETHEL CLARION
Bethel Quint Continues
'Trophy'umphant March
Road Trip: One Defeat, One Win
The Bethel cagers were outplayed by
the fast moving St. Cloud Teacher's
freshmen team, January 30. Final score,
The Brainerd J. C. five were nosed out
by the close margin on January 31. The
entire game was close but Bethel emerg-ed,
breaking a tie during the last few
seconds of play, 36-34.
Conference Tilts
Chalking another conference game in
the win column by defeating a basket-hot
Luther J. C. team on the opponents
floor the clique-passing Bethel cagers ad-vanced
in their efforts for a champion-ship.
Paced by "Del" Peterson who
scored 14 points, the Bethel squad held
the long end of a 30-28 score.
Bethel-30 fg. ft. p. Luther-28 fg. ft. p.
Peterson-F 4 6 2 Birkholz-F. 4 0 2
Paulson-F. 0 0 1 Preisz-F. 0 1 0
Johnson-F. 2 0 2 Mischke-F. 1 0 0
Sorley-F. 0 0 1 Schroeder-F. 0 1
Ferre-C. 2 2 3 Nolting-C. 0 3 1
Young-G. 0 0 1 Kujath-C. 0 0 1
Concordia Conquered
The Concordia Comets, exhibiting a
fighting spirit and demonstrating a scrap-py
team, fell by a close margin to the
powerful drive of a rejuvenated Bethel
squad in the second half of the fifth con-ference
game of the Bethel schedule.
Bethel's plunge for their fourth win start-ed
after the Comets had piled up an early
16 point lead in the first half. The fact
that four of Bethel's starting five were
benched because of fouls demonstrated
that all of Coach Adam's men are of near-equal
playing ability. D. Peterson, lead-ing
tonference scorer, captured high
point honors easily with 26 points, while
Brant, Comet forward, paced the losers
with 18 tallies.
Peterson-F. 10 6 0 Brant-F.
fg. ft. p. fg. ft. p.
4 10 3
Johnson-F. 2 1 4 Janssen-F. 2 0 2
Paulson-F. 1 0 3 Wittkop-C. 0 2 1
Edblom-F. 0 0 1 Nieting-G. 5 2 4
Ferre-C. 1 1 4 Taron-G. 5 1 4
Young-G. 3 0 4 Soeldner-G. —0 — 1 —3
Applequist-G. 1 0 4
Hovinen-G. 3 1 2 16 16 17
Holmgren-G. 0 1 21
— — —
21 10 24
Humor [esk ?]
The other day we were asked by one
of the beautiful coeds whether we had a
heart of gold. Of course we were eager
to admit that just such a thing was so,
but we were hardly prepared for the re-mark,
"Huh, just as I thought. Hard and
"Mickey" stepped into a Mexican cafe,
and after glancing at the menu he de-cided
that he must have gotten into the
weather bureau by mistake. He read:
"Chile today. Hot tamale."
We've been rwatching with interest the
progress of the upper lip appendages of
several of our fellows. After inquiring
around a bit, we discovered that there
were several reasons for the display of
the abilities of some of our boys. We
found that one fellow says that a certain
young lady whom he secretly admires
(not too secretly), just adores a hair
mattress on a gentleman's upper lip. An-other
fellow is raising his nose tickler
on a dare, but we find that the main rea-son
is "because the other fellows are do-ing
it." One of the young ladies greatly
embarassed us the other day when we
appeared sporting our baseball whiskers
—(nine on a side)—by asking us if we
had forgotten to wash. Don't be sur-prised
if you should happen to see us
proudly displaying a few straggling hairs
under our nose, but we think that we
will leave the cultivating of a misplaced
eyebrow to the other fellow.
Have you noticed the group of sweet
hearts in the coffee shop lately?—No, we
mean the candy ones.
1535 W. Como Ave.
Props. G. Anderson, R. Peterson
Bethel Baptist Church
24th St. and 28th Ave. S.
Rev. WALFRED HOLMBERG
Minneapolis, Minn.
Central Baptist Church
Roy and Shield St.
Rev. ERIC ANDERSON
St. Paul Minnesota
8th St. and 13th Ave. So.
Pastor, A. E. SJOLUND
Minneapolis, Minnesota
Westlund's Market House
Quality Meats and Provisions
597 N. Snelling, cor. Thomas
We Deliver N Estor 1321
Complete Line of Bakery and
Delicatessen for All Occasions
1193 Payne Ave. TOwer 2910
Hamlin Hardware Co.
F. 0. Hagen J. W. Hagen
755 North Snelling Avenue, St. Paul
Hovinen-G. 0 0 2 Horn-G. 2 2 4
Applequist-G 3 0 2. Kuether-G 0 1 2
Holmgren-G. 0 0 0 Mueller-G 2 2 0
— — —Muesing-G. 0 0 3
11 8 141 — —
9 10 13
Pittsburgh Coal Company
Cedar 1851
Click tabs to swap between content that is broken into logical sections.


text:
|St. John the Baptist Church on a beautiful day in 2008
(Photo thanks to "Slim" at Quincy Daily Photo)
|The location of St. John the Baptist Church and rectory in relation
to the Tierney family residences at 52 and 32 Gay Street, Quincy
(Click to enlarge)
The family had moved to Quincy from Boston's North End a few years before Catherine's husband Patrick's death in 1900. They were probably already well-acquainted with the parish around the time of this 1890s era photograph below.
|St. John the Baptist Catholic Church in 1893
Over the years the Tierney family would form many connections to the church and many family milestones would be passed within its care. Catherine's daughter Margaret (my great-grandmother) married George William McCue within St. John's rectory on October 11, 1911.
|This announcement appeared in the Quincy Patriot Ledger
after my great-grandparents' wedding in the parochial residence of
St. John the Baptist Catholic Church on October 11, 1911
Catherine Tierney was able to purchase her home at 32 Gay Street in 1923. The matriarch of the family known as "Gran" to her family passed away in 1934.
The obituaries of two of her daughters, my great-grandmother Margaret (Tierney) McCue and her sister Elizabeth "Betty" Tierney, tell of their involvement within St. John's Blessed Virgin Mary Ladies' Sodality. A cousin who visited them often as a child (and enjoyed milk and cookies at their home while his father visited with his older sisters) remembers that "both ladies were very active in all facets of the church activities". Each of their requiem funeral Masses, held in the early 1960s, had at least three priests in attendance. This may be a testament to their long involvement with the church.
St. John the Baptist Catholic Church, its rectory and also the Tierney home at 32 Gay Street each have historical and architectural significance.
St. John the Baptist, built in 1853 to serve the many Catholic families who had arrived in the area to work in the granite quarries, was the second Catholic church in Quincy. The church was expanded in 1873.
|The church backs up to the rectory,
but is located at 44 School Street
"When this residence was built in the 1860s it was considered very modern for it imitated the latest French building fashions. It was concomitant with the Italianate and the Gothic Revival Styles which were part of the Picturesque movement. The distinctive roof (which could be convex, concave or straight as in this house) was named for a 17th century French architect, Francois Mansart. In the 1850s, the style was revived in France by Napoleon III, hence the term 'Second Empire' or 'mansardic' for modest structures."The porch and a series of additional rooms were added to the rectory during the 1920s. Unfortunately, during the siding of the building with aluminum most of the original exterior features of architectural significance were removed.
|The priests' residence at 21 Gay Street
"This residence is one of the fine Greek Revival cottages in Quincy which has retained most of its architectural integrity. Built in the 1850s as gable-end-to-street one and one half story cottage with the typical cornice board around the house and under the eaves and a recessed side entrance, it had added to it during the Italianate period two one-story angular, bracketed bay windows. The windows have stylized pediments atop them; the entrance is framed with pilasters and on top is the same type of lintel as the windows; the door has sidelight to floor level. The house rests on a granite foundation. Unlike the other Greek Revival property listed in the South Quincy inventory list which has been resided with vinyl to its detriment, this cottage has retained its wood clapboards and its architectural integrity. It is a fine component of the Gay Street streetscape."
|The Tierney family resided at 32 Gay Street from 1912
until the latter part of the 20th century


text:
I just want to let you know about the upcoming issue of Software Developer's Journal. SDJ is an on-line magazine aimed at programmers. The upcoming issue will teach you how to reverse engineer software and malware with IDA and OllyDbg.
You can download a free teaser here: http://sdjournal.org/pre-purchase-the-u ... -engineer/
The issue will be live on September 22nd.


text:
'Ellen' Show Pranks People Using Taylor Swift Lyrics
Ellen DeGeneres is always looking for ways to make people laugh, and one of her best numbers is when she sends members of her staff to public places to strike up conversations with random people only using song lyrics. For this particular sojourn into the real world, she tasks show writer Amy with talking to strangers using only lines from Taylor Swift's 'We Are Never Ever Getting Back Together.' Needless to say, customers at Lowe's were caught off guard.
While perusing paint samples, she stalks a dude who simply says "Okay" after every single one of her lyrical declarations, clearly not informed on what she's quoting. One woman feels sorry for her, and asks if she needs help. But not help with picking out paint swatches -- she means mental help!
An older gentleman tries to be nice to her, as well. But they all clearly think she is crazy as she converses using only kiss off lyrics. That's how Swift communicates, but clearly, it works better in a song than in a casual conversation.
Since the song is so mega popular, it seems unlikely that these Lowe's shoppers don't know the lyrics. Do they live under rocks at the bottom of the ocean? Don't they listen to music when they engage in home improvements? Perhaps the glitter that is Taylor Swift is lost on DIYers.
This funny skit comes just after DeGeneres used country's own Tim McGraw as her puppet, making him say -- and do -- everything at her command in a hidden camera prank. Watch that here.


text:
It appears we have a job opening in Chicago.
With Brian Urlacher's retirement official, I am afraid that we need to officially post "the guy who owns Chicago" job on Craigslist.
This is a tough one, because we can't just pass it out to anyone. Past holders of this position have included: Michael Jordan, Walter Payton, Mike Ditka, Ryne Sandberg and Urlacher.
Take a look around, I'm seeing zero candidates. It's a complex screening process.
But Urlacher had it. Tough, loyal, played a position adored by Chicagoans. Athletically freakish, and he played for 13(!) years.
Some quick qualifications: Very, very good at what you do. Sorry, this eliminates everyone on the Cubs. Maybe, one day, Starlin Castro or Anthony Rizzo. Maybe. Not seeing it yet, though.
Longevity. Yes, you had to have played here a good long time. That puts someone like Paul Konerko in the running, but he lacks something. And that is …
Star quality. Chicago is still a big town, and the sports stars have to be big time. Paulee has the workmanlike quality, but no glamour.
That also eliminates everyone else on the White Sox. Sorry guys, you're too quiet!
Well, easy enough, you say. How about Derrick Rose!
Yeah, that's a problem, too. It would appear, though talented and gifted, he lacks one other necessary ingredient:
Tough as nails. Yes, Jordan would not have used advisers or a shoe company or anyone else to tell him when to come back. If it felt good, he was on the court. Unfortunately for the rest of the Bulls, they're tough enough, but not good enough.
And that brings us to the Blackhawks. Yes, they are young, fast, talented, brilliant skaters. Exciting and fun.
But not sure about the toughness. I see a team that got manhandled by Detroit and one that doesn't know what to do when that happens.
Which brings us back to the Bears. Jay Cutler? Tough, smart, been here a while, talented, but, something's missing.
Oh yeah, that's it. I forgot one. They have to be likable.
Sorry, Jay.
Bag Boy is a RedEye special contributor.
Want more? Discuss this article and others on RedEye Sports' Facebook page.


text:
Ragnew needed a new logo design and created a contest on 99designs.
A winner was selected from 112 designs submitted by 26 freelance designers.
TCSI Networks
TCSI Networks is a computer networks company based in southern California providing sales, service, installation and maintence to Small Business and Residential clients. We pride ourselves on the level of service that we provide. We get to know our clients and their needs.
Our target is the Small Business owner or manager, home office / home business and home owners. Our clients can range from 1 user to businesses of 100+.
We are looking for a strong business logo that will be used in all parts of our advertising, from website and print marketing to company apparel and promotional products. So a logo that does not have too much detail but makes a bold statement. It should appeal to the business owner since that is a primary market but also to the home office and residential client as well.
Find out how a design contest works or learn more about our logo design services.


text:
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text:
What began as a senior design project, motivated in part by personal loss, is taking on a new life as a lifesaving device.
When Nick Desaulniers' father had a heart attack just over two years ago, he was expected to make a full recovery. However, a month later, while still in the hospital, he had another heart attack in his sleep. He was discovered about an hour afterward unresponsive.
His passing prompted Desaulniers to wonder: If the hospital had patient monitoring devices, might his father have survived?
Desaulniers, Cody Cziesler and Nick Sereni, all fifth-year computer engineering students in the Kate Gleason College of Engineering at Rochester Institute of Technology, developed BioTelemetrix, a prototype for a non-invasive heart monitoring system.
"I asked the doctors, how does something like that happen? A hundred dollars worth of parts for a monitor could have prevented this," says Desaulniers. "Every patient should have monitoring equipment like they have a bed."
Read More
In spring 2012, he and his team won the Xerox Corp. Award for the BioTelemetrix equipment at the RIT Imagine Innovation and Creativity Festival and placed third in the RIT Shark Tank, a business plan competition for student-entrepreneurs. This past fall, the students began extensive testing and seeking venture capital support for the BioTelemetrix technology, a new product they believe may be as useful to medical personnel as the families of individuals who need medical monitoring.
Patient monitoring equipment varies from high-tech hospital systems to medical alert bracelets patients must activate to connect with emergency personnel. Costs also vary with the equipment, and medical facilities install equipment in restricted areas such as intensive care units.
"We thought we could significantly bring down the cost of the monitoring equipment by using something like an inexpensive microprocessor, similar to the little tiny chip that you find in a cell phone," says Desaulniers, from Bristol, Conn.
The microprocessor is the core technology and acquires physiological signals processed through sensors and wireless architecture. Anchored by a dedicated server capable of being accessed by multiple users, the system connects to a secure website to access, store and review data. The student-developers are also testing different encryption methods to further ensure patient privacy.
As they continue the development process, the students are looking beyond hardware and software to how they establish themselves as credible product developers. "Hospitals like to go with something that has already been tested," says Cziesler, from Chittenango, N.Y. "We are working to prove that our system would work as well as existing systems. We think our architecture can scale well beyond anything a hospital would need. It is also modular, so we are able to add on software and components quickly."
Beyond heart patients, the team believes the technology has multiple uses such as support for individuals and medical staff monitoring the elderly or newborn infants.
"A hospital wouldn't need to be the only market for this device," says Sereni, who is from Sanborton, N.H. "It's closest competition might be the Life Alert bracelet, but this doesn't do live monitoring, it just sends an alarm. Our product is like Life Alert on steroids."


text:
QA was an online community for Lesbian, Gay, Bisexual, and Transgender (LGBT) youth from around the world. We grew, quite organically, from a personal homepage first published in 1999 and by 2002 we were operating a small forum. We would go on to form a fully-fledged, vibrant community with almost 20,000 members. Unique, homely, and socially responsible, QA had mutual respect at its core.
In May 2014, after over a decade of service, we closed our virtual doors. In the United Kingdom, our native country, the campaign for LGBT rights is essentially complete from a legal perspective and attitudes have come a very long way. We know that many kids still suffer bullying and we know that coming out is still a difficult process for most. Nonetheless, British young people today have a wealth of LGBT exposure and there would seem to be less reliance on sites like QA.
Internationally, the picture is, of course, more mixed. There is undoubtedly still a need for QA-style resources but we believe those audiences should be better provided for by national and regional organisations.
The internet evolves apace, however, and forum-based peer-lead support has become less relevant than social media such as Facebook, Twitter, and YouTube. QA worked so well for many years because its management team was in the same age range as the members, and, possibly, posting was about more than micro-blogging. A new generation of LGBT youngsters are self-publishing their way to internet fame and are directly providing encouragement and support to kids worldwide.
If you'd like to get in touch, please head to our
Facebook page
© QueerAttitude.com 2001-2014


text:
EFG needed a new logo design and created a contest on 99designs.
A winner was selected from 142 designs submitted by 31 freelance designers.
B/C interactive
B/C interactive is a new interactive company that creates both games and applications for your mobile phone.
This startup gaming company NEEDS YOUR TALENT!! B/C interactive is a HIP new company created by a YOUNG group of developers who are taking advantage of the fastest growing mobile phone platform on the market today! B/C Interactive needs a LOGO that will help set the tone, vibe and image of the company. The logo will be used on a variety of mediums, the website, business cards, letterhead, etc. See if you have what it takes to be the designer of our new logo!
B/C interactive is looking for a fresh, hip and modern logo to be used on the website, business cards, letterhead, apparel etc. We are targeting men and women ages 16-35 years. Keep in mind that the logo should also be capable of engaging people of all ages.
Think YOUNG and HIP not old and dated.
Think "I'm a MAC not a PC".
Think I'm a MINI not a Cadillac.
Think FRESH and NEW not boring and almost dead.
• Company name can be included within the logo or apart.
• Style and feel should be fresh, hip and modern to capture the attention of both men and women ages 16- 35 years. At the same time the logo should be capable of engaging people of all ages.
• Style and look should be clean, simple and professional. It should be distinct and easy to read in color and when replicated in black/white.
• Design is not limited to a particular color scheme.
• Please submit design as an Adobe Illustrator file.
Don't Wants
• Nothing childish.
• Nothing regal, boring or old fashion looking.
• Nothing over-designed or complicated.
Find out how a design contest works or learn more about our logo design services.


text:
This is a guide to various kinks and fetishes that are found in the world of sex. They can be used in your roleplay as your characters turn on's and turn off's, or a secret that they have. Or maybe it is something to has shaped them. I have not only discovered various ones and experimented with them personally, but have had exposure to them. Master/Slave RP's are taking off and I am one of few who will touch on the subject. There is a lot of fear in this world because things can go very VERY wrong very fast. How do I know? I have been there. I have been the observer and the recipient of things going wrong. So this is to help you know and learn about the basics. I will go over some fetishes that are often blown out of proportion and also explain the dynamic of a Dom/sub and Master/slave relationship. I do not claim to be an expert. This is just what I have learned and absorbed from being in the scene for several years.
Now first off this isn't a way to say "I can do this to someone without asking first" DO NOT EVER DO THAT! No one asks you to do something to them unless they have given you verbal or written permission (That is witnessed) to do the things I will discuss. It is never EVER okay to do this to a man or a woman and anyone who says otherwise has not be in the position where their no's are not listened.
Kinks are defined as socially acceptable forms of fetishism's. Where as Fetish is something you worship, fantasize over completely. Both of these are found in the overlapping work of BDSM (Bondage, Domination, Sadism and Masochism). They can vary to the smallest things to the biggest, weirdest things you would ever think of. Almost every town around the world has a community of people who participate in these various acts. The community often meets to talk, hangout and have coffee and throw events for their members. These events include play parties, classes and munches (hanging out in a vanilla setting – vanilla being normal).
The first rule in the community of BDSM, Kink and Fetish is Consent. No matter what it is. You consent with your fellow party(ies) about what is occurring because everything needs to be Safe, Sane and Consensual. You need to establish the basics of what is going to happen, what your limits are (Both soft – so what you aren't to keen on trying but if you trust your partner enough, you will do it – and hard – so no way in hell you are doing that). You need to establish a signal, be it verbal or physical, to indicate when you need it to stop or change. Often the word Yellow and Red are used and for physical signals, number of blinks or a hand gesture. And you need to express when you do not feel comfortable. If you feel uncomfortable with what is going to be done to you or that you are going to do YOU HAVE EVERY RIGHT TO SAY NO!
That being said! Let us start.
There are many different kinks and fetishes that can be found in the world. These can include simple ones of being tied up, blindfolds, feathers, women (or men) wearing heels, eating food off of one another, biting, hair pulling, uniforms, long hair (or short hair)… the list is long because in truth there are many and I am not going to list them all. Then there are the more complex, more intense ones. These include needle play, CBT, cupping, impact play (This includes paddles, whips, floggers, hair brushes, hands, wooden spoons, canes and any other instrument you can spank with), chastity devices, latex, gagging… again the lists are long.
Impact Play:
- Impact Play is the use of a hard (or soft) object by the top to strike the bottom repetitively.
- Instruments that can be used in Impact Play include: Flogger, Cane, Paddle, Whip, Riding Crop, Wooden Spoon, belt, hair brush, hand, etc.
- Impact play usually occurs on the buttocks and thighs. It is often advised to not strike anywhere that isn't cushioned with fat. This includes the kidney area, neck, tailbone, hipbones, head and all joints.
- When using whips, one has to be careful to avoid a wrap around effect. This is when it coils around an appendage and can either cause excessive pain or something more horrible.
Sensory Play:
- Sensory Play is limiting one sense to enhance the other senses.
- Sensory Play includes blind folds, ear muffs/plugs, large boxes over the head, wax, feathers, ice, silk, and anything else that plays with the senses.
- These can be used often without much worry, though wax can cause burns ans pain at the same time. Sensory play always involves signals, either verbal or physical and the top must respect when the bottom says stop (or red).
- Restraining in kink and BDSM is restricting a limb(s) from movement or use. This includes the arms, feet, legs, hands, neck and whole body if desired.
- Items often used in restraining include rope, duct tape, packing tape, industrial roles of saran wrap, vacuum bags, spreaders, chains, bondage tape, ties, long pieces of fabric and anything that can tie have a not tied in it.
- With rope, there are various ways to it. There is just simple knots and there is also costume style (full body binds). There is also shibari, which is a Japanese form of restraint with rope. Both forms can take loads of time to complete to create beautiful pieces on a man or woman's body. Costume Style x Shibari Style x
- When binding with ANYTHING you do not (And I repeat NOT) want to cut of circulation to any area. You want to be able to place two fingers comfortably in between the restraint used and the skin. If you can't, it is to tight and will eventually lead to the discoloration of skin and numbness and blood flow begins to slow.
- Some people enjoy having this though but it is ill advised to do because nerve damage can occur.
Other Kinks/Fetishes That Need to be Known and Understood:
- There are many kinks and fetishes in the world but some are not understood as they should be. This is because the media has made them out to be worse than they are or people are not educated enough to understand them. These include: needle play, voyeurism, exhibition, humiliation, role playing (Not like what we do! I will explain…), artistic cutting.
- Needle Play: Needle play is the use of sterile needles to do artistic works on the human body.
The gauge of the needle varies to what the bottom can handle but usually a gauge between 17 and 20 is used. This is always done in a sterile environment with proper precautions taken. This includes the wearing of gloves, a bin to dispose of the used needles and something for the marks left from the needles. If you are uncomfortable with the idea of this being done to you than you have every right to deny it. Some people enjoy having needles put in to all parts of their body, literally. But you are not expected to do it. And you do not have to observe it either. But to some this is very zen.
- Voyeurism, Exhibition and Humiliation: I am grouping these together because they often go hand and hand together. Some people do get turned on by doing things in public. Be it having a spanking, walked down the street nude and leashed or, sorry to be so blunt about it, fucked in a public place. People do enjoy this sorta of thing. To many of us this would traumatize us and you have every right to tell the Top that you will not do that.
- Role playing: Role playing in BDSM is indeed playing out different roles, which might include: Doctor/Nurse, Priest/Nun, Teacher/Student, Doctor/Patient, Guard/Prisoner… really there is no limit to what can occur. This are all sorts of creations that people come up with and it is always between two consenting adults.
- Artistic Cutting: This is in shape, form or way the same as cutting that people do when they are depressed or that. This is done with a sterile razor or scalpel that is disposed of after and done to create a design drawn out and planned. It tends to permanent so it takes a lot of for thought and decision to do before hand. The top has to take plenty of care not to cut to deep in to the skin in order to keep the nerves and veins safe. It is a very delicate process and, once again, you do not have to do it if you do not feel safe doing it.
Relationship Dynamics:
- There are various relationship dynamics that can be found in BDSM, Kink, and the Fetish community. A few are as follows:Master/slave or Mistress/Slave
Dominant/sub or Domme/sub
Daddy/baby-girl/boy or Mommy/baby-boy/girl
Owner/pet (This can be a puppy, kitten, pony or whatever else one desires.)
- All relationships have a contract. This states what the sub/slave/bottom/baby-girl/boy will do and have done to them. But it also stipulates what the Dom/Domme/Master/Mistress/Mommy/Daddy/Top will do for the sub/slave/bottom/baby-girl/boy. Some examples of what would be include in a contract is limits, comfort time, expectations from both sides (weight lose for health, outfits, curfews, etc), safety regulations, etc. Anything to ensure the safety, sanity and respect of BOTH parties is put in to the contracts.
- Also you will note that I have capitalized the Dominant role and lower case for the submissive
role. I don't know exactly why this is done but in my humble opinion it is because the Dominant role is in charge and has the sense of power while the submissive role is lacking power and has given up control to the Dominant role.
- Master(Mistress)/slave: This is the most strict relationship that a relationship in the BDSM world has. The Master or Mistress has complete control over what occurs in the slaves life – what is eaten, when and where they sleep, who they see and how often they see these people, where and how money is spent and even chores. Often these relationships are long standing and result in marriage or partnership. The slave however is not the only one who makes a commitment in this relationship. The Master or Mistress agrees to take care of the slave, to help them and comfort them if need be and to protect them. A slave is always wearing a collar. They can be a full out collar, a slim collar, a necklace, a bracelet, or a ring. The giving of one of these items is a very serious ordeal and is often done in a ceremony with friends from the community they are in. The slave wears their collar (or other piece of jewelry that claims they are a slave) 24/7. The also may have multiple collars – one to wear in public, one to be worn at home and one to be worn in play, with a combination of any of these three. They rarely remove it – only if they are showering and the collar is made of leather or if they are changing from an informal one to a formal one.
- Dom(Domme)/sub: This is the most common relationship dynamic found in the BDSM
community from what I have seen. It is similar to a Master/slave relationship but they are not as strict and direct. They also have a contract drawn up with expectations from both sides as well as what the limits are for the submissive. A sub can receive a collar similar to what a slave receives but they are not obligated to wear it all the time. It is only worn in play or at home usually. However, some Doms may seem like they are more of the Master type as they are firm and hard with their submissive and they refer to themselves as a Dom. It is because of how they are in play and not how they come off. Even the hardest man (or woman) may be a sub in truth.
- Top/bottom: This is the center and general names for people who play. Not every Dom is a Top and not every sub is a bottom. These are merely the positions that are taken in play.
- The top being the one who does things to the bottom, which usually is involved in any type of play that is done. The Top ensures that all things are safe throughout the entire play session. They are to check on the bottom to ensure that they are okay, that they want to continue on, to ask if they want to take it a step further and to comfort them at the end of the session. The bottom is to tell the top how they feel throughout the whole think. If the bottom at any point wishes to stop and says so by speaking the safe word, than the top must comply. There is no ifs, ands or buts. THE TOP WILL STOP WHEN THE BOTTOM SAYS RED OR WHATEVER SAFE WORD HAS BEEN DESIGNATED TO STOP. The bottom in a sense does have complete control over the session because if they can not do anymore than that is it. The top DOES NOT continue after the safe word is said.
- Daddy/baby-girl/boy or Mommy/baby-boy/girl: This is a softer approach to a BDSM relationship. There is often a lot of cuddling and softer things than what you would find in a Dom/sub relationship. The baby-girl/boy does have expectation to and doesn't have to wear a collar unless they desire to. It is just a softer dynamic and is in no way related to incest. This is two adults who consent to these roles.
- Petplay: Petplay involves the taking on an appearance of an animal. The most common ones being puppy, kitty and pony. The animal often has a human owner but in puppy and kitty play, it is possible for both people in the relationship to be the animal, but there is one who is an Alpha. So they take on the Dominant role. There is the costumes and accessories for this sorta of thing available for purchase or you can make your own items.
"But you may ask; why not? I am the Top. The Dom. A true Master." Really? Cram it! And if I hear you say that again I will take a book to your head to beat some sense in to you! There is no true Master or true Dom. Safety is key and if you can not respect that then you should be reprimanded by everyone and anyone. No matter the dynamic, you take care of one another because that is what a good relationship does. Nurture the relationship and let this guide aid you in creating a good SAFE dynamic between you and others.
If anyone wishes for me to expand on anything, just ask. Maybe I will do a guide with just one thing or another. This is just a summery.
Complete Article HERE!


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Shut out all night at the Golden Globes, the historical drama �12 Years a Slave� eked out the night�s top honor, best film drama, while the con-artist caper �American Hustle� landed a leading three awards, including best film comedy.
David O. Russell�s �American Hustle� had the better night overall, winning acting awards for Amy Adams and Jennifer Lawrence. Best picture was the only award for �12 Years a Slave,� which came in with seven nominations, tied for the most with �American Hustle.�
Awards were otherwise spread around.
Matthew McConaughey took best actor in a drama for his performance in the Texas HIV drama �Dallas Buyers Club.� Leonardo DiCaprio, a nine-time Golden Globe nominee, won his second Globe for best actor in a comedy for his work in �The Wolf of Wall Street.�
Alfonso Cuaron won best director for the space odyssey �Gravity,� a worldwide hit and critical favorite.
The night�s biggest winners may have been hosts Tina Fey and Amy Poehler, whose second time hosting the Hollywood Foreign Press Association�s Beverly Hills, Calif., ceremony was just as successful as last year�s show. Fey concluded the night by toasting the awards as �the beautiful mess we hoped it would be.�


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Beware of Spam Texts
Oct 14, 2013
Messages that you've won a prize or need to click on a link to reactivate a credit account are popping up on cellular devices more frequently and, according to the Federal Trade Commission which tracks text spamming complaints, poses a triple threat: they often use the promise of free gifts or product offers to get you to reveal personal information; they can lead to unwanted charges on your cell phone bill; and they can slow cell phone performance.
How it Works
Text message scammers promise free gifts like computers or gift cards, or product offers like cheap mortgages, credit cards, or debt relief services to get you to reveal personal information.
To claim your gift or pursue an offer, you may be asked to share personal information, like how much money you make, how much you owe, or your bank account information, credit card number, or Social Security number. Clicking on a link in the message can install malware that collects information from your phone. Once the spammer has your information, it is sold to marketers or, worse, identity thieves.
Can the Spam
Here are a few steps from the FTC you can take to protect yourself:
- Delete text messages that ask you to confirm or provide personal information: Legitimate companies don't ask for information like your account numbers or passwords by email or text.
- Don't reply, and don't click on links provided in the message: Links can install malware on your computer and take you to spoof sites that look real but whose purpose is to steal your information.
- Treat your personal information like cash: Your Social Security number, credit card numbers, and bank and utility account numbers can be used to steal your money or open new accounts in your name. Don't give them out in response to a text.
- Place your cell phone number on the National Do Not Call Registry.
- If you are an AT&T, T-Mobile, Verizon, Sprint or Bell subscriber, you can report spam texts to your carrier by copying the original message and forwarding it to the number 7726 (SPAM), free of charge.
- Review your cell phone bill for unauthorized charges, and report them to your carrier.
If you receive unwanted commercial text messages, file a complaint with the FTC. The Federal Communications Commission (FCC) also accepts complaints about unwanted text messages.


text:
What is Social and Solidarity Economy and why does it matter?
UNRISD Deputy Director Peter Utting introduces the theme of his organization's big conference in May
Having had my professional and political interests shaped during the somewhat heady days of the 1980s in Sandinista Nicaragua, I've long been interested in the potential and limits of collective action—of people organizing and mobilizing through associations, unions, cooperatives, community organizations, fairtrade networks and so on. The Sandinista "revolution" soon gave way to the "neoliberal" 1990s. As in much of the world, collective action went on the backburner or assumed new forms via NGO networks and identity politics. Fast forward two decades and we are witnessing a significant rebound in collective action associated with workers, producers and consumers. Whether in response to global crises (finance and food), the structural conditions of precarious employment or new opportunities for cultural expression and social interaction afforded by the internet age, old and new forms are on the rise.
The term social and solidarity economy (SSE) is increasingly being used to refer to a broad range of organizations that are distinguished from conventional for-profit enterprise, entrepreneurship and informal economy by two core features. First, they have explicit economic AND social (and often environmental) objectives. Second, they involve varying forms of co-operative, associative and solidarity relations. They include, for example, cooperatives, mutual associations, NGOs engaged in income generating activities, women's self-help groups, community forestry and other organizations, associations of informal sector workers, social enterprise and fair trade organizations and networks.
In addition to diversification, we see signs of upscaling. SSE appears to be moving beyond its niche, peripheral, project or community-level status, and becoming more significant in terms of macro-economic, commercial and social-economic indicators, as charted in a 2011 ILO report:
- In the UK some 62,000 social enterprises contribute £24 billion ($37.1billion) to the economy and employ 800,000 people.
- In Europe; 2 million SSE organizations represent about 10% of all companies.
- In India, over 30 million people (mainly women) are organized in over 2.2 million self-help groups; and the country's largest food marketing corporation, the cooperative organization Amul, has 3.1 million producer members and an annual revenue of $2.5 billion.
- In Nepal, 5 million forest users are organized in the country's largest civil society organization.
- The global fairtrade market has grown to €4.9 billion ($6.4 billion) and involves some 1.2 million workers and farmers producing certified products.
- Mutual benefit societies provide health and social protection services to 170 million people worldwide.
Beyond the statistics, why the growing interest in SSE? Theory and anecdotal evidence tell us that such an approach can be a key mechanism through which poor or disempowered people in society gain greater control over resources and decision-making processes that affect their lives. Economists and political scientists have long espoused the benefits that can derive from co-operation or group behaviour in terms of addressing market failures and making demands on more powerful entities. Sociologists have emphasized other virtues related to social cohesion, identity and job satisfaction.
But the contemporary interest in SSE also relates to the fact that we are living in an era that seems to be crying out for new models of development. Not only have we to deal with multiple and recurring crises (finance, food and energy), but there is growing recognition that today's normative agenda has to be much more encompassing. Some may hark back to the glorious days of post WWII "embedded liberalism", of welfare states protecting citizens and corporations upholding some principles and practices of "decent work". But for all its benefits and ongoing pertinence, this model ignored some key issues related to gender equality and environmental pollution, and is struggling to reproduce itself in contexts of economic liberalization and informalization of labour markets.
The discussions and debates taking place in the build-up to 2015—the date that has been set for a new or revised set of Millennium Development Goals (MDGs) and Sustainable Development Goals (SDGs)—signal that the old development formula of economic growth plus social protection is no longer sufficient. Other aspects, associated with the realization of rights, empowerment, equality, women's care burden, and transformations in production and consumption patterns, need to be factored in. The theoretical attraction of social and solidarity economy lies precisely in the ways it lends itself to addressing these multiple dimensions of development. It simultaneously fosters economic dynamism, social and environmental protection and socio-political empowerment.
But achieving in practice what is promised on paper is another ballgame. SSE's recent revival has been, organic, a largely grassroots phenomenon. And therein lies the rub—in two respects. First, collective action needs to connect at multiple scales via networks, movements and alliances. If the SSE is to be sustained, enabled and scaled-up on terms compatible with its values and objectives, action cannot remain local; it must cohere at other levels (municipal, provincial, national, regional and global) where governance, advocacy and politics play out. Second, in order to expand and really move beyond the fringe, the SSE must interact far more with states, for-profit enterprise and global value chains. Such interactions inevitably generate tensions and dilemmas given differences in development priorities and approaches, as well as differentials in bargaining power.
For a graphic illustration of these tensions, look no further than fair-trade. In 2011 there was a major split in the international fair trade movement asthe US labeling organization (then known as Transfair USA) left the international federation, FLO (since renamed Fairtrade International).
Closer integration with powerful market actors underpinned the split. Fair-trade had expanded significantly over the years but quite different approaches were being promoted. The US organization leaned towards engagement with corporations like Starbucks and was keen to source from large commercial tea and other plantations, something not possible under FLO rules. Such relationships with big business had implications for the price that buyers were prepared to pay to small farmers and the quality of sustainability standards. Meanwhile, various labeling organizations and producer groups that were key stakeholders in FLO wanted to stick to the original principles and practices of fair trade, based on smallholder empowerment and agro-ecology.
What immediate policy implications stem from this reflection? Governments and international organizations clearly need to be paying far more attention to the SSE, and question how its developmental and emancipatory potential can be realized. And they should also be asking themselves whether current priorities or biases in policy approach in the field of development are not missing, or indeed undermining, what could be a major new game in town. These include the tendency to focus on
i) individuals or entrepreneurship, rather than groups,
ii) economic, rather than political, empowerment;
iii) idealize the integration of small producers and communities in global value chains; and
iv) social (and environmental) protection, rather than equality and emancipation.
It is these and other issues we'll be debating at UNRISD's conference on Potential and Limits of Social and Solidarity Economy from 6-8 May at the ILO in Geneva. Please join us!
Peter Utting is writing in his personal capacity.
5 Comments
Nick says:
Great article, I was unaware of the concept of the 'Social and Solidarity Economy' before this, even while being aware of social enterprise and fair trade. This name also seems to facilitate a clear understanding about the core political value at the heart of this movement – 'solidarity'. You did claim that " SSE must interact far more with states, for-profit enterprise and global value chains". I dispute this. Isn't it precisely the point of SSE to present an alternative to the current neoliberal, transnational, state-centric hegemonic paradigm? SSE seems to me profoundly embedded in human relationships, in contrast to the forces of neoliberalism and globlisation, which constructs human connection and identity in terms of abstract representations and relationships (e.g. elected officials, media outlets, and the internet).
Chris says:
A very good read and a particularly interesting field of research – will be looking forward to reading UNRISD's work on this.
Reading this post raised some difficult questions in terms of what this means for development policy and practice – particularly: how can governments, donors, NGOs etc help to facilitate the emergence of such networks and organisations given, as you state, the need for them to emerge organically from the grassroots? And how can governments, donors and NGOs support existing SSE networks and organisations whilst avoiding impeding their sovereignty as grassroots organisations?
I'm sure we'll here some interesting perspectives on this from your upcoming conference…
Blanca Wilhelem says:
Muy bueno el articulo, nosotros acá en Santa Fe Argentina hemos debatido durante dos años para lograr un proyecto de Ley , que actualmente esta en la cámara de diputados y con estado parlamentario, para poder definir la Economia Social y Solidaria, tuvimos que interpretar y reinterpretar las practicas y desde ese lugar llegamos a la conclusión que la Ec. Soc y Sol. es un sistema socio económico, político, cultural y medioambiental, nada puede estar separado al contrario es todo junto y entremezclado.
Duncan Green says:
Gracias Blanca, y en el proyecto de ley, en que consiste el papel del estado? Conocen otros casos parecidos?
little boy says:
Why should governments, i.e. the state, which by its very nature is controlled by, and works in the interest of the 1%, encourage or promote the emancipation or empowerment of those control of whom is necessary for the continued domination by the 1%?
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The following commentary does not necessarily reflect the views of AgWeb or Farm Journal Media. The opinions expressed below are the author's own.
Marc Schober is the editor of Farmland Forecast an educational blog devoted to investments in agriculture and farmland.
Corn stocks were 14% below last year's levels and the lowest Q3 number since the 3.04 billion bushels in June of 1998, indicating strong global demand for corn. The USDA estimates in 2012 the U.S. will plant 96.4 million acres of corn, the most since 1937 when an estimated 97.2 million acres were planted; this came as no surprise as corn planted acres fell in line with analysts' expectations. The increased acreage of planted corn is the USDA's feeble attempt to increase production numbers, as their estimate of average yield, 166 bushels per acre, will certainly fall short due to sustained dry and hot weather across the Corn Belt. Soybean planted acres increased due to double-cropping and attractive pricing, in March, compared to corn.
For daily articles on farmland and agriculture, visit www.farmlandforecast.com.
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apetro needed a new logo design and created a contest on 99designs.
A winner was selected from 80 designs submitted by 25 freelance designers.
Franchise Insurance USA (http://www.franchiseinsuranceusa.com)
Our company provides pre-packaged insurance products to franchise owners to save them time and money.
Franchise owners/operators across the United States.
-Clean, professional logo that looks good on a white background.
-Need logo in different sizes - must be readable/identifiable if sized down to the 200px by 50px range.
-Logo must read "Franchise Insurance USA", can be on 1 line or broken up into multiple lines.
Encouraged to incorporate Red/White/Blue or USA theme into logo. Encouraged to use same shades of blue used by Nationwide insurance in their logo (http://www.nationwide.com).
Don't Want:
-3D fonts
-Design that is too busy/distracting
-Design that goes overboard with america theme
Find out how a design contest works or learn more about our logo design services.


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Went to Chihuly Nights at Phipps yesterday with Pete and Kirsten. Verrrrry cool. I saw the installation during the day this summer with another friend, and while nice then, it was spectacular last night. Highly recommended.
Anyway, I'm bored with not exercising and feeling like I'm getting fat in addition to not having a definite life purpose. Apparently knocking myself out has knocked some sense into me, as I've had a kick-ass Thanksgiving break getting caught up on all kinds of life-enhancing endeavours, including trying to rehabilitate myself in the eyes of the nonprofit community in Pittsburgh. For those of you who know what I did in 2001 in order to get to Cuba, you know what I mean.
My sporting sanction is up at the end of July next year, and I need something in my life other than just selling software and web development services, and fighting a rear-guard action against the communist regime in Cuba. I miss the daily rhythm of training, and while I will never race full-time again, I do plan to race at least locally. Maybe. So I rode yesterday for the first time in about a month, and took the picture below, which I sent to douchebag brian trdina, errr, I mean, DoucheBlog, along with a note saying I plan to win at least one ACA Criterium in 2008. I didn't mention that I will also ride the Dirty Dozen in 2008 if I'm still in Pittsburgh.
I had a very loud Dan Chew on the phone last night, and so I don't have to repeat myself, I didn't start doping until late-2001, and all of my results up until then were achieved cleanly. So no need to strip me of my second-place in the Dirty Dozen, my whopping four ACA Club Championships, or my brilliant and inspired Pseudodrome records. I mean, c'mon, I've already been stripped of allllll of my results since July 1, 2001. A man needs something to keep him warm on these cold Western Pennsylvania evenings, and dreams of Cuba, Uruguayan putas and focaccia just don't do it.
Mike Dropkin, who engaged in a spirited bit of email trolling last week, wants to know about the shooting gallery videos. Patience is a virtue, my friend. Updates on Cuba? Not really. Work is top of mind right now, because without a developing career and regular source of income, what's the point? I've hardly given up the fight, however. I'm even thinking about what's next on the education front, and - if I can arrange it - will complete a mini-MBA program at Katz this winter. Keep your fingers crossed, and watch out Robert Morgenthau!
Before, I go, for my friends in the Cuban government who are reading this, I want to leave you with:
1. Abajo Fidel!
2. Viva Cuba Libre!
3. Chavez is as bad for Venezuela and the Hemisphere as Castro.
Sunday, November 25, 2007
Glass, Biking, Cuba
1 comment:
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Last week in steamy, rain-soaked Monrovia, anticipation for the World Cup aside, I could already sense the buzz building around presidential elections scheduled for October of 2011. In the coming contest—only the second presidential election since the end of the civil war—Liberians will decide whether to reelect Ellen Johnson Sirleaf, Africa's first female head of state, for a second term. Just as the daily downpours fill the potholes that mar almost every road in
talks of soccer, particularly concerns about the condition
of injured Ivorian superstar Didier Drogba, speculation on who might
be a worthy contender to succeed Sirleaf was part of almost every conversation
Sirleaf may experience nothing but accolades
when she travels abroad, in
Incidentally, Tom Kamara, the editor of the New Democrat, said his newspaper's Web site was brought down by hackers two times in the past month. The newspaper is also battling legal action from the government threatening its existence: a libel lawsuit seeking a million dollars in damages and a claim for $2 million in alleged unpaid taxes. When I asked Tom if he thought someone was trying to take him off the board, he just laughed. "They are trying to put me out of business, but I will carry on." He said.
the hackers damaged his Web site, they left a message on the home page: "Your
hatred feeds our power." For Tom, their fear feeds his courage. Of all the
newspapers in
Editors like Tom Kamara, or Rodney Sieh, the editor of Front Page Africa who recently returned from exile in the U.S., are bringing a new style of journalism to Monrovia with good, solid reporting, extended analysis of major issues, and a certain fearlessness in dealing with entrenched power. It's no coincidence that both papers also have their own printing presses on the premises, which prevents the authorities from easily shutting them down (as they sometimes do to the papers that rely on the sole newspaper printing business in town). Despite his problems with the government, Tom Kamara has a picture of Sirleaf pinned above his press. He says he has no animosity for her or her government, but neither does he want to sacrifice the truth in the name of some false notion of civic solidarity.
is also the case that Kamara, as well as Sieh, pay their reporters and staff
better wages than their competitors so they are able to attract the best and
offer quality, independent reporting. This is unfortunately the exception
rather than the norm in
is a fact that in
year, Liberian media will be the world's witnesses
and the country's watchdog to the unfolding of a campaign that will be
hard-fought and one where the interests of ordinary Liberians will hang in the
balance. The capital will be saturated with advertisements, talk-show
appearances and public rallies. In the countryside, however, particularly
places like the remote cities of Fishtown or Harper, where there are few
passable roads during the rainy season, the local population may remain starved
for information. In fact, I am not sure there is one newspaper in
the election season heats up, the threats and intimidation will likely
increase, but there is a real question of whether the information needs of
ordinary people can be served by journalists who are pressed by survival needs
and whether such an environment can be said to be free. Democracy has proven to
be a fragile and often elusive commodity in
Michael Keating
teaches on media and conflict at the


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Diamond Pet Foods Diamond Naturals Large Breed Puppy Lamb & Rice Formula (Archived)
Date of last review
Sun September 3, 2006
Recommended By
Average Price
Average Rating
No recommendations
None indicated
None indicated
Calorie Content:
3,656 kcal/kg (342 kcal/cup) Calculated Metabolizable Energy.
Lamb, egg product, lamb meal, whole grain brown rice, cracked pearled barley, white rice, chicken fat (preserved with mixed tocopherols), beet pulp, natural flavor, flaxseed, fish meal, brewers dried yeast, salmon oil (a source of DHA), potassium chloride, salt, choline chloride, vitamin E supplement, iron proteinate, zinc proteinate, copper proteinate, ferrous sulfate, zinc sulfate, copper sulfate, potassium iodide, thiamine mononitrate, manganese proteinate, manganous oxide, ascorbic acid, vitamin A supplement, L-carnitine, biotin, calcium pantothenate, manganese sulfate, sodium selenite, pyridoxine hydrochloride (vitamin B6), vitamin B12 supplement, riboflavin, vitamin D supplement, folic acid.
Guaranteed Analysis:
Crude Protein 27.0% Minimum
Crude Fat 15.0% Minimum
Crude Fiber 3.0% Maximum
Moisture 10.0% Maximum
Calcium 1.2% Minimum
Phosphorus 1.2% Maximum
Phosphorus 1.0% Minimum
Zinc 150 mg/kg Minimum
Selenium 0.4 mg/kg Minimum
Vitamin E 150 IU/kg Minimum
L-Carnitine * 30 mg/kg Minimum
Omega-6 Fatty Acids * 2.2% Minimum
Omega-3 Fatty Acids * 0.3% Minimum
DHA (Docosahexaenoic acid) * 0.05% Minimum
* Not recognized as an essential nutrient by the AAFCO Cat Food Nutrient Profile.
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Registered: October 2005
Posts: 3953
Review Date:
Sun September 3, 2006
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First and third ingredients are named meat products.
Insufficient meat content.
The first ingredient in the food is lamb - inclusive of its water content. Once this is removed, as it must be to make a dry food, the ingredient will weigh around 20% of its wet weight. It is thus unlikely that it is the true first ingredient in the food, and it is likely to be more accurately placed much further down the ingredient list. The true first ingredient in the food is likely to be egg product. This is rather unusual in a dog food and we would be much happier if whole eggs were used.
The third ingredient is lamb meal, representing the main meat product in the food. This is followed by three grains, then beet pulp. Beet pulp is controversial filler. It is a by-product, being dried residue from sugar beets which has been cleaned and extracted in the process of manufacturing sugar. It is a controversial ingredient in dog food, claimed by some manufacturers to be a good source of fibre, and derided by others as an ingredient added to slow down the transition of rancid animal fats and causing stress to kidney and liver in the process. We note that beet pulp is an ingredient that commonly causes problems for dogs, including allergies and ear infections, and prefer not to see it used in dog food. There are less controversial products around if additional fibre is required.
There is a second meat meal ingredient 11th on the ingredient list. This is a fish meal, however, and we fail to find any assurance on the manufacturer's website that the ingredient is not treated with Ethoxyquin. Ethoxyquin is a chemical preservative, banned or heavily regulated in human food, and believed to be carcinogenic (and is commonly added to fish meal ingredients). This manufacturer does make assurances about ethoxyquin-free sources for one of of its other products (the Chicken Soup line), thus we would consider it prudent to ask for a similar assurance about this product prior to using it.
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