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New CEC member Richard Fischer has been nominated for the Prix Pictet in photography and sustainability.
The IUCN Commission on Education and Communication is pleased to welcome award-winning photographer Richard Fischer as a new CEC member. Richard was recently nominated for the Prix Pictet, the world's leading prize in photography and sustainability. The Prix Pictet has a unique mandate – to use the power of photography to communicate vital messages to a global audience. The goal is to uncover art of the highest order, applied to confront the pressing social and environmental challenges of the new millennium.
"Many admirers of flowers see in each specimen a singular and unique beauty and derive from it aesthetic and emotional pleasure," Richard writes, "But flowers are also expressions of survival in a fragile world: they exist for plants to reproduce, to feed upon, to make their lives and those of others possible. This evolution, this duality of life is the moment I capture and commemorate. I therefore invite you to reflect on each image to grasp this miracle. Because then it may change your life."
View the photographs at www.richardfischer.org
'Endangered Species' is Richard Fischer's exclusive collection. In alliance with one of the world´s largest collections of endangered flowers, he is exclusively supplied with these treasured species for photographic assignments. Fischer´s concept covers a wide range of flora. Each specimen is unique in its beauty, and most of them are threatened to extinction within a time period of just one generation. "Flowers have always represented beauty at its most natural and fleeting – so it is terrible to know that some of the most beautiful specimens in the world are about to be lost forever," said Fischer. "I therefore felt compelled to do something, to document as many as I can, and to celebrate their radiance before they have disappeared."
The origins of Fischer's flowers range from the Amazon basin to the high damp ranges of the Central American jungles to the island of Madagascar and the Asian continent. Photographs of most of these specimens can be found only in scientific catalogs. Fischer's concept goes beyond the science to capture their essence and present it for what it is: beauty in its simplest form, mysterious and powerful.
Scientists estimate that many of Fischer's flowers will have become extinct within our lifetime. Richard Fischer first started photographing flowers in 2002, and has won numerous international awards for his work. Critics have hailed his work as "masterpieces of photographic art" and likened to "Floral Sculptures". He lives and works in Germany.
FS&ES, Floral Sculptures & Endangered Species Society
The FS&ES Society was founded in 2010. At its center is one of the largest art collections for endangered flower species worldwide. Its main objective is to foster and promote circulation of the exhibition-event for worldwide performance to create awareness for sensitive and endangered flora through large format and exclusive photographic images by artist Richard Fischer. The artist has dedicated his art and life to enable Floral Sculptures & Endangered Species to rotate as new images are continuesly photographed in his studio and added to the collection. Images are available within Limited Fine Art prints. Through the sale of fine art prints, a percentage of sales are returned to Botanical Gardens suppling Richard Fischer with plant species for conservation of endangered flora. Sponsorship for future exhibitions is welcome.
The United Nations invited Fischer to exhibit his work at the Palais des Nations, where 96,000 visitors viewed the collection within 16 days in April 2010. An exhibition was held in China's second-largest museum, the Museum of Art in Ningbo, for International Environment Day 2008. Fischer's work is exhibited in galleries accross the globe.
For more information, please contact Richard Fischer at email@example.com


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SAN BERNARDINO, Calif. (AP) — Prosecutors say three men have been charged in California with the attempted murder of a policeman even though they didn't pull the trigger.
The San Bernardino County district attorney's office said Tuesday that the men were with the gunman and knew about an AK-47 he fired during the confrontation. They're also charged with possession of an assault rifle and could life in prison if convicted.
Officer Gabriel Garcia and his rookie partner were approaching a group of people last Friday when one man opened fire with a handgun and the assault rifle.
Garcia was hit once in the head. His partner killed the gunman, identified as Alex Alvarado.
Garcia remains in critical condition in a medical induced coma. Prosecutors say the three men could face murder charges if he dies.
Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

subset: commoncrawl


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An undated FBI handout image of Aaron Alexis, who has been identified as the slain suspected gunman of the Washington Navy Yard shooting spree.
The man accused of killing 12 people in a gun rampage at the Washington Navy Yard was described by mystified friends and family as a Buddhist and Thai speaker who, in the words of one friend, "could not be the shooter."
The alleged gunman, Aaron Alexis of Fort Worth, Texas, was killed after repeatedly exchanging gunfire with officers, police said. There was little information on a motive, but hours after the shootings an early profile began to emerge.
According to NBC News sources, Alexis had been treated multiple times for psychological issues, including sleep deprivation, anger and paranoia. Most recently they said he had been treated at a VA Hospital in New England.
Authorities believe Aaron Alexis acted alone when he fired upon the Washington D.C. Navy Yard. Learn more about the 34-year-old man's background. NBC's Pete Williams reports.
Alexis, 34, served in the U.S. Navy between May 2007 and January 2011, when he was discharged, a Navy spokeswoman said. More recently, he had served as a Naval reservist and had been working as a civilian contractor.
But investigators were looking into claims that he recently lost that position, which they say may have set him off.
Alexis' father said his son was studying while working a computer job
Michael Thacker, a spokesman for Hewlett-Packard, confirmed that Alexis worked for a company called "The Experts," a subcontractor working on an HP Enterprise Services job to refresh networking equipment for the Navy Marine Corps intranet. Thacker could not say whether Alexis was still employed by that company at the time of his death.
Law enforcement sources told NBC News that Alexis had come to Washington, D.C. in recent days and was one of six contractors on the IT project. He and five coworkers on the project were staying at the Residence Inn, the sources said.
Credit: Courtesy Kristi Suthamtewakul
Aaron Alexis sits with other people in an undated photo. EDITOR's NOTE: All other faces except for Alexis' have been intentionally blurred.
Alexis' military service appears to have been unremarkable: He was given the National Defense Service Medal and the Global War on Terrorism Service Medal, two awards of relatively minor distinction, before his discharge. The spokeswoman had no other details on the grounds for his discharge.
In Texas, a former roommate, Oui Suthamtewakul, said he did not think Alexis had a beef with the military or the government, and that he "could not be the shooter."
Suthamtewakul, who owns a Thai restaurant in Fort Worth, said he had kept in touch with Alexis via text in the four months since he had left Fort Worth for Washington.
Michael Ritrobato, a handyman at the restaurant where Alexis worked as a waiter, described Alexis as a friend, a good-natured person he had never seen angry. Ritrobato said Alexis did like to play violent online video games, the kind, he said, where you shoot people.
Alexis' father, Algernon Alexis, seemed stunned.
"This comes as a complete shock," he told a reporter for the Reuters news service, then asked how he could reach authorities leading the investigation. The father said his son was studying and working the computer job for a private company.
Anthony Little, whose wife Naomi Alexis is the suspected gunman's sister, said the family is "distraught"
From the first report of a gunman to the lockdown of area schools, see the timeline of the Navy Yard shooting tragedy. NBC's Jim Miklaszewski reports.
Little confirmed that Aaron Alexis' mother, Cathleen Alexis is being questioned by the FBI at their Brooklyn, N.Y., home.
Alexis did have at least two run-ins with the law on a gun problem: Prosecutors in Texas said he was arrested in September 2010 by Fort Worth police on an accusation that he recklessly discharged a gun, a misdemeanor there. Investigators later determined that Alexis was cleaning a gun when it accidentally fired, sending a bullet into the apartment upstairs, prosecutors said.
Alexis told police he was cleaning his gun while he was cooking, and his hands were slippery. Prosecutors determined that there wasn't enough evidence of recklessness to bring a case.
In 2004, Alexis was charged with malicious mischief by Seattle police after he shot out the tires of a construction workers vehicle. Those charges were dropped, but a Seattle officer said Alexis admitted to shooting the vehicle because the worker had disrespected him. Alexis told the officer he was present during the events of 9/11 and that they had "disturbed" him, according the Seattle PD incident report.
Alexis maintained addresses in Manhattan and Queens from the late 1990s through 2002, and is still a registered voter in New York. According to a deleted LinkedIn profile, he attended Embry-Riddle Aeronautical University and worked for a tech firm.
After enlisting in New York, he graduated from boot camp at Great Lakes, Ill., as an airman recruit.
This image released by the FBI shows the poster seeking more information on Aaron Alexis, who police believe was a gunman at the Washington Navy Yard on Monday.
He was classified as an aviation electrician's mate — a petty officer third class — and served at the Naval Air Station in Fort Worth, Texas, at the time of his discharge, the spokeswoman said.
Authorities said they used fingerprints to identify him, and said he may have used someone else's identification to get into the office building.
A shotgun used in the shooting was purchased just last week at gun store in Lorton, Va., authorities said.
Authorities said they believe that Alexis then picked up two other weapons — a handgun and an AR-15-style assault weapon — during the shooting spree, taking the sidearm from a police officer he shot and another from a gunsafe or other secure location.
The FBI is asking for public assistance to learn more about what the suspected gunman's motive may have been:
"No piece is information is too small. We're looking to learn everything we can about his recent movements, his contacts, and his associates," the FBI said.
Pete Williams, Charles Hadlock and Jeff Black of NBC News contributed to this report.
- Unanswered questions about the Navy Yard rampage
- He said nothing:' Witnesses tell of encounter with gunman
- Navy Yard gunman's relative: 'No one saw it coming'
- Washington Navy Yard has storied past


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Christmas Entertainment Trivia
There are more classic movies, productions, and songs played during Christmas than any other time of the year. Can you name five classic holiday movies? Theater productions? You can find out answers to these questions and more as you test your Christmas entertainment trivia knowledge with the quick facts below.
What are titles of some of the Classic Holiday Movies?
It's a Wonderful Life is a classic holiday movie.
- Miracle on 34th Street
- It's a Wonderful Life
- Holiday Inn
- White Christmas
- The Lemon Drop Kid
- Rudolph the Red-Nosed Reindeer
- The Santa Clause
- A Christmas Story
- Home Alone
- Santa Claus is Comin' to Town
- How the Grinch Stole Christmas
- A Christmas Carol
- Scrooged
- National Lampoon's Christmas Vacation
Do you know the history of Holidays at Rockefeller Center?
In New York, it's not officially Christmastime until the tree is lit at Rockefeller Center. The first tree appeared in 1931, during the Great Depression, when workers placed a tree in the dirt of a construction site. That year, the tree symbolized Christmas as much as it did hope and the invincible human spirit.
The Christmas tree at Rockefeller Center
is adorned with more than 25,000 lights.
The decorating themes and festivities have varied from year to year. In 1941, two reindeer borrowed from the Bronx Zoo were housed in cages beside the Prometheus Fountain. In 1942, during World War II, three living trees graced the Center.
In an act of patriotism, one tree was decorated in red, another in white, and the other in blue. However, because of wartime restrictions on electricity, the trees were not illuminated.
In 1949, the tree was painted silver. In 1951, the entire nation witnessed the tree-lighting ceremony when it was televised on The Kate Smith Show. And by 1964, the ceremony had become an annual event, with celebrities such as Johnny Carson, Hugh Downs, Ed McMahon, Barbara Walters, Debbie Reynolds, Marlo Thomas, and Phil Donahue hosting the show.
Today, the annual Christmas tree at Rockefeller Center is typically adorned with more than 25,000 lights but no other ornaments except for the star on top.
Who is Rankin-Bass?
Rudolph, Frosty, and Kris Kringle were all brought to life on television, thanks to the work of Rankin-Bass. The television production company founded by Arthur Rankin, Jr., and Jules Bass achieved fame in 1964 when they created an animated adaptation of the song "Rudolph the Red-Nosed Reindeer."
Narrated by Burl Ives, with an original orchestral score by Johnny Marks, Rudolph the Red-Nosed Reindeer was an instant hit and today is one of the longest-running Christmas specials in television history.
Rudolph's success was soon followed by several other holiday hits produced by Rankin-Bass:
- "The Little Drummer Boy," 1968, narrated by Greer Garson, featured the Vienna Boys' Choir
- "Frosty the Snowman," 1969, narrated by Jimmy Durante, with Jackie Vernon as Frosty
- "Santa Claus Is Comin' to Town," 1970, narrated by Fred Astaire, with Mickey Rooney as Kris Kringle
- "Frosty's Winter Wonderland," 1976, narrated by Andy Griffith and starred Shelley Winters as Crystal
- "Rudolph's Shiny New Year," 1976, with Red Skelton as Father Time
- "Nestor, the Long-Eared Christmas Donkey", 1977, featured original music by Gene Autry
- "Jack Frost," 1979, with songs written by Al Jolsen and Mel Tormé
Rankin-Bass Trivia: What animated shows did Rankin-Bass
create in the 1970s?
The 1983 film A Christmas Story became an instant classic.
The Nutcracker is a full-length ballet,
based on The Nutcracker of Nuremberg.
- Though
all of the later merchandise from Rudolph the Red-Nosed Reindeer features
"Herbie," the elf-turned-dentist, his actual name is "Hermey."
- In the 1970s, Rankin-Bass created animated versions of The Jackson Five Show and The Osmonds.
- Rankin-Bass
television specials were produced using stop-motion animation. This early
type of technology gives the appearance that still objects are moving.
The object is photographed in a single frame, then moved ever so slightly before being photographed again.
When the frames are put together, the objects appear to move by themselves. Stop-motion animation is similar to a cartoon but is produced with real objects instead of drawings.
What is The Nutcracker?
In 1890, following the success of the Russian ballets Swan Lake and Sleeping Beauty, composer Peter Tchaikovsky, choreographers Marius Petipa and Lev Ivanov, and set designer Ivan Vsevolozhsky created what would become one of the best-loved ballets of all time.
The Nutcracker, a full-length ballet, was based on The Nutcracker of Nuremberg, by Alexandre Dumas, which he adapted from The Nutcracker and the Mouse King, by German writer E.T.A. Hoffman. In December 1892, the ballet opened at the Mariinsky Theatre of Russia to mixed reviews.
It wasn't until 1944 that an American ballet company performed the masterpiece. Choreographed by W. Christensen, the San Francisco Opera Ballet produced the first full-length American production, with Jocelyn Vollmar dancing as the Snow Queen.
So you've had your fill of Christmas entertainment trivia, and you're hungry for more. Continue to the next section to test your Christmas food knowledge with our fun Christmas food trivia questions.


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Annatto(redirected from Arnotto)
Also found in: Dictionary.
Bixa orellana. A tree found in tropical America, characterized by cordate leaves and spinose, seed-filled capsules; a yellowish-red dye obtained from the pulp around the seeds is used as a food coloring.
(Bixa orellana), a tall shrub or small tree of the family Bixaceae. The alternate leaves are cordate-ovate. The large, five-parted flowers are in terminal panicles. The fruit is a polyspermous bivalve capsule. The annatto is native to tropical America. It has been cultivated for a long time in tropical countries of the Old and New Worlds to obtain an orange dye, also known as annatto. The dye is obtained from the fleshy outer covering of the seeds and is used mainly to color butter, margarine, cheese, and similar food products. Indians used the dye as body paint. The annatto is also used as a hedge and as a windbreak.


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After going 7-6 and finishing the season out of the top 25 a year ago, the Gators have a chance to become only the sixth team in school history to win 12 games, which likely would give UF a top-three finish in the final polls and generate all kinds of momentum heading into the 2013 season. For Louisville, playing in only its second BCS bowl game, this is a chance for a signature win that would be a tremendous boost for coach Charlie Strong's rising program.
The wildcard
Bowl games tend to be much different than regular-season games. There's the week on the road, the party atmosphere and the fact that this is a reward for a successful season and not a must-win game like in conference play. The team that keeps its focus and intensity throughout the week and comes in treating this like a rivalry game likely is going to win the game. So, the bowl practices in New Orleans (and what happens at night on Bourbon Street) are a big barometer for both teams.
How the Gators win
Florida's No. 1 defensive goal going into every game is to stop the run and make the opposing offense one-dimensional. That won't change in this game, even though the Cardinals have a great passing game led by quarterback Teddy Bridgewater. If the Gators keep Bridgewater in obvious passing situations, the UF defense is going to come up with game-changing sacks and interceptions, and take the pressure off its own offense. In the two other phases of the game, the Gators need to be consistent on offense, have success on third down and score on every trip into the red zone, while the special teams must win their phase of the game as they usually do.
How the Gators lose
The first and most important factor is obvious. The Gators lost one game in 2012 and that came when they turned the ball over six times against Georgia. If the Gators have trouble taking care of the ball against a fast and aggressive Louisville defense, UF will go down just like it did against Georgia. Another factor will be how seriously the Gators take an opponent from the Big East. If they don't come out and play with the same intensity they did in SEC games, the Gators will get knocked around pretty good by a hungry Louisville team with a lot to prove.
Three players the Gators must stop
The No. 1 guy on the list is Bridgewater, who has thrown for 3,452 yards and 25 touchdowns this season while completing 69 percent of his passes. He's a team leader, plays with a lot of confidence and can make plays with both his arm and his legs. The Gators need to keep him in the pocket and prevent him from scrambling around and hitting some big plays down the field. Bridgewater's most dangerous target is wide receiver DeVante Parker, who has caught nine touchdown passes and averages 18.7 yards a reception. He'll see lots of man-to-man coverage, so the UF corners (Jaylen Watkins, Loucheiz Purifoy and Marcus Roberson) are going to have to be on their game and focused. UF also must stop the run, which means stopping tailback Jeremy Wright, who has rushed for 740 yards and nine touchdowns. He's rushed for more than 100 yards in three games and gives the Cardinals excellent balance.
Three Gators who must play well
Sophomore quarterback Jeff Driskel needs to play like he did in UF's biggest wins this season (LSU, South Carolina, Texas A&M and Florida State). That means managing the game, taking care of the ball (something he did not do vs. Georgia) and hitting some crucial passes to keep drives alive. He doesn't need to throw for a whole lot of yards for the Gators to be successful. Tailback Mike Gillislee had a hot hand in the win over FSU and is UF's most important offensive player. When the Gators get him going in the ground game, it takes the pressure off Driskel and brings the play-action passes into play. If he's on, the Gators will be tough to beat. With Bridgewater's ability to make things happen, the Gators biggest playmaker in the secondary — safety Matt Elam — has a chance to be a game-changer in this one. He's come up with big interceptions this season and also is a major factor in UF's strong run defense.
Sugar Bowl Breakdown: A closer look at matchup with Louisville


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Public Documents Processing Services
Public Records Redaction
Redaction is the masking or blacking out of personal / sensitive information from public documents (such as a deed, mortgage, certificate or any vital record).
We redact millions of data elements in historical (going back about 30 years) public documents to reduce to the incidence of identity theft and related crimes.
Up to 10% of public documents contain personal and sensitive information (e.g. Social Security Number, Credit card numbers, bank account numbers). There are millions of pages of public documents that have to be redacted. Unfortunately these documents are not organized properly for easy retrieval and it cannot be predicted which documents contain what kind of personal information. With this scenario an automated approach makes sense. However, we have found out that to provide the most complete, highest quality redaction services possible, a system that combines an automated process with a manual Quality Assurance system is the best solution. Manual intervention is unavoidable because of the wide variety of document types and image quality. This is where our offshore facilities provide the most efficient, cost effective solution in huge redaction projects.
A large number of counties in the United States utilize an automated Official Records System. Images of these official records are indexed prior to insertion into the system. The indexing process requires us to perform Page to Document association prior to capturing information such as:
- Document type
- Recorded Book and Page number
- Direct Parties
- Reverse Parties
Public records include: Affidavits, Certificates, Notices, Deeds, Agreements, Suits, Liens, Judgments, UCCs, and other mortgage related documents (to name a few)


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Program Statement Terms and Conditions
This statement is a current view of your shopper card history from the last 48 hours or better for programs in which you may be eligible based on store purchases and your preferred store selection. Statements will show the earning, redeeming and balance of a program based on your household's shopper card(s) or alternate id within the programs applicable time period. This statement is for informational purposes only and is NOT a legal receipt or legal binding contract. Program details, participation and eligibility are subject to change; see terms of each program for details.


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Mustad clinch cutter
Simple and stable
The Mustad Clinch Cutter is used to open nail clinches, ensuring that the nail can be pulled without damaging the hoof wall. Thanks to the combination of the cutter and the pritchel, nearly every nail can easily be removed without causing any harm to the hoof wall. In addition, the pritchel can also be used to countersink and trail hoof nails for alternative shoeing methods, such as the use of plastic shoes.
Ask the expert
Questions about this product?Let us know
Where to buy
Find your nearest dealer
Product summary
Find your nearest dealer
Good to know
- double use: cutter and pritchel
- massive, drop forged body for a long life cycle
- in order to prevent injuries, careful and professional usage is strongly advised
Douwe Dokter, farrier in The Netherlands
I always strive to deliver the best shoeing for every horse
A passion for trotting horses
The French farrier Pierre-Antoine ThinetRead story


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As the new year approaches, it is time to look back over the past year and decide what you want to change about your life in the new year. For many people, New Years resolutions are an opportunity to make a fresh start. For others, it is the chance to learn new habits and live a healthier and happy life. No matter what your approach is to New Years resolutions, here are the top 10 New Years resolutions that many people start with at the beginning of the year.
People usually make Ten New Year Resolutions! Neither 5 nor 8.
Usually these Resolutions contain many common points like Habits, Study, Health, Work, Enemies...
We here discuss with some common and most popular 10 top New Year resolutions.
Based on various New Year Resolutions and our own views and philosophy of human life, We would recommend these Top 10 New Year resolutions.
New Year Resolutions1. RESOLVE TO BE HAPPY!: If we consider deeply the aim of human life is to Be Happy! God created the world, and human beings added many things for people to Be Happy! Even when we go through hardships for some aim that also is a sort of happiness. Nirvana, Moksha, Liberation, are nothing but eternal and permanent happiness. This includes such resolutions as enjoying life more, traveling, having more quality time with your family and friends, etc.
2. RESOLVE TO BE HEALTHY!: To enjoy this happiness we must be healthy. Here health is defined in its wider mental, physical, spiritual, and social, etc. context. We cannot Be Happy! without healthy body and mind. In fact, we cannot Be Successful! also without health. This includes all your resolutions like reducing fat, being less stressed, joining a gym, etc.
3. RESOLVE TO BE SUCCESSFUL!: Life is incomplete without realizing your full potential and being successful. However, the definition of success may vary from individual to individual. Whatever your definition is, you must resolve to be successful in life. Success is great tonic for happiness and health. This includes your resolution to earn more money, set up a new business, time management, and organizing oneself.
4. RESOLVE TO EMPOWER OTHERS TO BE HAPPY! BE HEALTHY! AND BE SUCCESSFUL!: No person is an island. One does not live for himself or herself. One cannot be happy without others around being happy. If one is happy, healthy, and successful, it is also because of the family and society at large. It is our moral duty and debt to make others also realize the goals of happiness, health, and success. This includes doing charitable work.
5. RESOLVE TO EMBRACE CHANGE: New Year resolutions are all about change. If you are not ready to change why resolutions? Change yourself, change your environment, if necessary, and change your relationships. Don't be afraid of change. Change your routines, change your habits, change your working habits (organize workplace and home), if necessary, change your job, your priorities, and the way you have been living. This includes learning something new, being tech savvy (utilizing full potential of computer, internet, social media, emails, mobile phones, etc.)
6. RESOLVE TO BE ADDICTED TO, OBSESSED WITH, POSSESSD BY YOUR TOP PRIORITY RESOLUTION: This is a must for success of New Year Resolutions. Be in touch with them constantly. Write them down, read them often, substitute your morning and bed time prayer and meditation by praying to God for realizing them and meditation on them. Review constantly and revise, if need be. Above all don't abandon them if forgotten for some time. There are many New Year days in a year (various religions and nations have their own New Year days). Utilize them and festival holidays to review your New Year resolutions.
7. RESOLVE TO DO BETTER TIME MANAGEMENT: The key to success is hard work and working more time than others. However, time is limited and distributed equally to all (so that in a competitive situation all have equal time allotted). Better time management can give us the required edge over others. Organize and better manage time. Generally, one can save much time by limiting or altogether eliminating time spent in reading newspapers, seeing TV, or surfing internet. Organize your work space, computer, etc. Even organize your thoughts.
8. RESOLVE TO SET YOUR PRIORITIES AND ACT ON THEM: Even after making our New Year Resolutions, we fail to implement them because we don't find time to do them! If I have made writing a novel my top New Year Resolution, I may be so much busy with other things that I may not even start writing!
9. RESOLVE TO PERIODICALLY REVIEW NEW YEAR RESOLUTIONS AND CHECK PROGRESS MADE: Our New Year Resolutions may be too ambitious. A few weeks into the year and we will realize what is possible and what not. We may review our resolutions. Similarly, we must periodically check progress made. In case of total failure, we must remake our resolutions. The more time we resolve, the more there are chances of success.
10. RESOLVE TO BE READY TO ABANDON YOUR WORLDLY AIMS TO HIGHER VALUES AND THINGS IN LIFE: Sacrifice all your resolutions regarding worldly progress to higher things in life. For love forsake everything. For family forsake everything. Our New Year Resolutions should not be unadulterated to selfishness and self-centric life.
The second set of New Year Resolutions should be totally different from the first set which deals with the bigger general questions of life. The second set is for personal life and the goals set for it. However, most of the people will ignore to formulate the first set. Therefore, We would include some overlapping goals in the second set so that it in itself is complete without the first set.
Article Source: http://EzineArticles.com/5618212
Here is the second set of goals:
1. Detoxify using KANGEN WATER®
A KANGEN WATER® Ionizer converts tap water to alkaline KANGEN WATER® which is up to 6 times more hydrating than regular water. KANGEN WATER® has smaller water clusters with only 5-6 molecules versus regular tap water which has about 10-13 molecules. This makes KANGEN WATER® "wetter" and more easily absorbed into the body, improving its detoxification qualities. The smaller, water clusters found in KANGEN WATER® offer increased antioxidant properties that more easily rid the body of toxins and free radicals.
2. Have Increased Energy with KANGEN WATER®
KANGEN WATER® from an ENAGIC® water ionizer has increased oxygen because it has more hydroxyl (OH-) molecules than in regular water. By drinking KANGEN WATER® you will increase the oxygen in your blood and notice your energy levels escalate!
3. Lose Weight with KANGEN WATER®
Your blood pH must remain at a constant rate of 7.365, which is slightly alkaline. If the blood becomes too acidic the alkaline reserves will immediately work to raise the pH. However if there is too much acid in your system, the body will hold onto any extra weight in order to protect itself from the excess acidity. Our bodies are made up of 75% water and our diet should reflect this. By restoring your acid-alkaline balance you can lose up to a pound per day.
4. Reduce the Risk of Osteoporosis with KANGEN WATER®
Have you ever noticed that some people tend to shrink when they get older? When you live an acidic lifestyle your body will use your alkaline reserves to neutralize the acid and safely remove it from the body. Once your body has depleted your alkaline reserves you force the body to borrow alkaline minerals including potassium, magnesium and calcium from vital organs and bones. If it does this continuously your bones will get weaker and weaker and you will begin to lose bone mass. People shrink because they have too much acid in their system.
5. KANGEN WATER® can help rid the body of Candida
In the yeast state, Candida is a non-invasive, sugar-fermenting organism. A healthy person's immune system is designed to manage Candida and "friendly" bacteria. However, if conditions for yeast proliferation occur, for example a diet high in sugar and/or an improper pH in the digestive system, the number of friendly bacteria is decreased in relation to the number of Candida. This leaves the immune system in a weakened condition. Candida and yeast thrive in an acidic environment so it is imperative to create an alkaline environment. Drinking KANGEN WATER® will increase your blood pH level to assist your immune system in fighting off Candida.
6. Decrease Joint Pains and Arthritis with KANGEN WATER®
The aches and pains in our body are most often a build up of acid. KANGEN WATER® has strong antioxidant properties and is able to neutralize free radicals due to its excess of hydroxyl molecules, which have an overabundance of electrons. These extra electrons can be used to neutralize free radicals and block the damage of oxidation.
7. Look Younger when Drinking KANGEN WATER®
KANGEN WATER® has anti-aging properties and will prevent premature aging. KANGEN WATER® Ionizers are also excellent for skin conditions such as eczema, acne and psoriasis. One interesting aspect of human aging is that even if we are drinking enough water our body cells become dehydrated with age. The smaller water clusters that KANGEN WATER® offers can help hydrate our body cells more efficiently.
8. Decrease Frequency of Colds, Flu's and Infections with a KANGEN WATER®
Over acidity can become a dangerous condition that weakens all body systems and creates an internal environment that is more conducive to disease. When excess acids must be neutralized, our alkaline reserves are depleted leaving the body in a weakened state. KANGEN WATER® can help maintain adequate alkaline reserves to meet emergency demands.
9. Decrease the Risk of Cancer by Drinking KANGEN WATER®
Cancer and other degenerative diseases develop in a body that is overly acidic. When in a compromising environment, cells that were once healthy will adapt to the environment and become unhealthy cells. Many holistic doctors consider a properly balanced diet and a healthy acid-alkaline balance to be an important component to optimal health and preventing lifestyle-related diseases such as cancer and diabetes. Drinking KANGEN WATER® can help neutralize the acidic wastes we have built up in the body and restore the body to its slightly alkaline state.
10.Increase Cardiovascular Health with KANGEN WATER®
Acid waste builds up in our systems because of poor dietary habits, stress and our inability to properly digest our food. This acid waste can show up in the form of diabetes, cholesterol, kidney stones and arterial plaque. KANGEN WATER® can help our bodies get rid of acidic wastes.


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10 Baby Seals That'll Make Your Week Way Cuter
Ugh, we've been sucked in again. Baby animals get us every single time. But can you really blame us? It's impossible to be in a bad mood when you have snuggly koalas and dime-size lizards around. And as you'll soon find out, baby seals are no exception.


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Early Childhood Students Bring Their Classroom to the Community
Two SUNY Canton students brought area youth to an educational and hands-on learning exercise at Evans and White Ace Hardware in Potsdam.
More than 50 children from two classes at Lawrence Avenue Elementary School took a field trip with Early Childhood students Ashley Chevier and Emily Ramos.
The two student teachers planned a scavenger hunt with the classes of Jen Herrick and Brenda Martin as an educational lesson used to enhance cognitive skills and memorization techniques, according to Early Childhood Program Director Maureen Maiocco.
"I encourage all of the students to use their environments as a way to augment their day-to-day lessons," Maiocco said. "Ashley and Emily really utilized their connections with the community to go above and beyond all expectations."
The children were given clues about items in the store like, "I am green or black, and you use me to water flowers, or wash your parents car. What am I? Come find me!"
The children thought about the challenge and then searched the store's inventory until they located a garden hose, among the cheers and encouragement of their instructors.
"This was a fun and creative way to share where I work with the children," said Chevier, who works at the hardware store while attending SUNY Canton. "Through this exercise I learned how to adapt my lesson plans to get the children out of the classroom while maintaining the overall learning experience."
The students were given a theme for the week, and it was up to Chevier and Ramos to create the lesson plan.
"The theme was community helpers," Ramos said. "Our scavenger hunt at Evans and White's tied into that theme. I learned that the children get so much more out of lessons when they are up and involved in the process."
SUNY Canton offers a wide variety of career-driven bachelor's, associate, and certificate programs, as well as three master's degrees in conjunction with SUNYIT, Utica. Most of SUNY Canton's new four-year programs are designed so students can take them on-campus, online, or both. SUNY Canton OnLine features more than 100 courses online each semester. The college's athletic teams belong to the NAIA's Sunrise Conference, enabling students to compete in their respective sports for four years.
Media inquiries should be directed to Gregory Kie, Media Relations Coordinator, or call 315/386-7528.
Tags: Ashley Chevier, Early Childhood, Emily Ramos, Evans & White Ace Hardware, Maureen Maiocco


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Just as it is in the rest of the United States, heart disease is the leading cause of death in Delaware, according the latest CDC mortality statistics(www.cdc.gov). But in 2012, when current Delaware AFP (DAFP) President Margot Savoy, M.D., M.P.H., was chair of the chapter's community outreach committee, the group noted that although the DAFP had been active across the state in immunizations and tobacco cessation, it was not involved in fighting cardiovascular disease.
Christiana Care nurse Bernadette Baker, R.N., provides free blood pressure screenings to customers at ShopRite during a Million Hearts Delaware outreach event.
"We reached out to see what was being done at the state level (with cardiovascular disease), and it turned out there was a small group just getting started," Savoy told AAFP News. That small group is what is now known as Million Hearts Delaware (MHDE)(millionheartsde.com).
Spearheaded by Edward Goldenberg, M.D., and Elisabeth Bradley, A.P.N., of Christiana Care Health System, the initiative hit close to home for Savoy, who, as it happens, is medical director of family medicine centers and youth rehabilitative services at Christiana Care. "We hopped onboard from the start, and I took on the role of chair of the clinical prevention arm of the initiative," she explained. For its part, the chapter has taken primary responsibility for the MHDE website, including developing and maintaining it, Savoy added.
With 12 founding member organizations signed up from around the state, MHDE set out to promote the national Million Hearts initiative. Launched by HHS in September 2011, the goal of the Million Hearts campaign is to prevent 1 million heart attacks and strokes by 2017.
Story highlights
- In 2012, the Delaware AFP became one of a dozen founding member organizations of the Million Hearts Delaware initiative to help fight cardiovascular disease in the state.
- Launched by HHS in September 2011, the national Million Hearts initiative intends to prevent 1 million heart attacks and strokes by 2017.
- Million Hearts Delaware aligns the efforts of hospitals, government agencies, major employers and health care professionals to combat cardiovascular disease.
According to its website, MHDE aligns the efforts of hospitals, government agencies, major employers and health care professionals to combat cardiovascular disease through two specific avenues: public awareness and clinical prevention.
Public Awareness Efforts
Through its public awareness initiative, MHDE focuses on helping the state's residents improve their blood pressure levels and shrink their waist size, because controlling these two factors has been shown to reduce heart attacks and strokes. For example, in recognition of February as American Heart Month, Nanticoke Health Services and the DAFP collaborated to hold The Heart of Good Health health fair in the small town of Laurel, and MHDE was there to lend a hand.
"Nanticoke Health Services hosted more than 80 tables, with the majority providing health screenings focused on cardiovascular (disease) prevention, such as glucose checks, lipid checks, ankle-brachial index screening, blood pressure checks and BMI (body mass index)," said Joseph Kim, D.O., president of medical staff at Nanticoke Health Services in Seaford and immediate past president of the DAFP.
Denise Taylor, project manager for MHDE, said both MHDE and the DAFP hosted tables at the event, offering blood pressure screenings, interactive games, and information about obesity and weight loss for adults and kids. Among resources the DAFP offered were nutrition and fitness tools and information from the AAFP.
"We had more than 1,000 people come through," Kim said. "The purpose was to increase awareness of cardiovascular and related diseases and provide free screenings to the public. We have a lower socio-economic population; therefore, events like health fairs are able to help prevent and catch potential problems."
Up next, MHDE will be a major sponsor and participant in Wilmington Wellness Day on April 26. Taylor said the group will perform blood pressure screenings during the event and offer attendees free tape measures to help them track their waist circumference.
Clinical Prevention Suggestions
As part of the clinical prevention arm of the initiative, MHDE recommends physicians make use of an easy-to-remember acrostic saying when formulating the care plan for patients who have or are at risk for heart disease.
"We encourage family docs to focus on the ABCS of cardiovascular disease," Savoy said.
"A: Make sure patients who would benefit from Aspirin are taking it, and those who should not be, aren't.
B: Ensure patients know their Blood pressure and are at goal.
C: Ensure patients know their Cholesterol and are at goal.
S: Encourage patients to quit Smoking (or never start)."
Delaware AFP President Margot Savoy, M.D., poses after completing the 2013 Wilmington Heart Walk. The chapter sponsored the American Heart Association event.
Although Savoy characterized these four areas as the major risk factors for cardiovascular disease, she also noted that "given the increasing prevalence of obesity in Delaware and across the U.S., we encourage patients to know their BMI and waist circumference."
Whatever management strategies physicians offer patients to prevent cardiovascular disease, according to Savoy, the most important steps to reduce risk occur at home. It's a topic she discussed in an article published in the Wilmington News Journal(millionheartsde.files.wordpress.com) last fall.
"Starting early is important," she said in the story. "Parents play a big role in preventing their kids from developing heart disease in the first place. Children as young as 8 have been found to already have fatty deposits in their arteries."
Savoy said that parents need to act as heart-healthy role models for their children by providing a smoke-free home and fruits and vegetables in their meals. She also suggested having children read the nutritional content on food labels and then letting them make some of the grocery shopping decisions. Portion control and simple exercise also should be introduced.
Groups involved with MHDE tackle cardiovascular disease from other perspectives, as well. For example, two years ago, Nanticoke Health Services and the DAFP partnered in a Sussex County CME conference to educate physicians about the importance of identifying and treating heart disease.
"We discussed the new anticoagulants; identification and treatment of atrial fibrillation, diabetes and heart disease; and the association between rheumatologic disorders and heart disease," said Kim. "One interesting point (covered) was the increased risk of cardiovascular disease in people with rheumatoid arthritis."
Facts About the Delaware AFP
Chapter executive director: Katie Hamilton
Number of chapter members: 336
Year chapter was chartered: 1950
Location of chapter headquarters: Newark
2014 Annual Scientific Assembly: June 7, John H. Ammon Medical Education Center at Christiana Hospital, Newark
Looking Forward
Now three years in, MHDE has already been recognized for its work in educating Delaware residents about preventing heart disease. Just last year, MHDE received the Focus on Excellence Award in Community Health from Christiana Care Health System, said Taylor.
"The Focus on Excellence Awards recognize teams who enter projects demonstrating improvement in process or outcomes using the PDCA (Plan-Do-Check-Act) model," she said.
According to Taylor, the DAFP and MHDE plan to continue building on their mutual success, and the hope is that funding for MHDE provided by Christiana Care, the DAFP and others can be maintained until the program's goal is reached. Savoy said the DAFP also will continue to provide additional resources for MHDE moving forward.
"We plan to continue providing exhibit space to MHDE at our annual meetings and large conferences, providing education articles in our journal, supporting the heart walk again, and, hopefully, assisting in creating some educational content for YouTube for patients and providers," she said. "I am confident DAFP will be partners with Million Hearts for the long haul. Cardiovascular disease is just too important to be ignored."
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Look out, college freshman. Just because you've passed through the hormonal turmoil of high school doesn't mean you're not in for a period of rapid and drastic change.
The first year of college, whether you're at a tiny liberal arts school or a gigantic university, poses a seemingly endless list of challenges and opportunities that can be scary. But never fear! There is a way to conquer that daunting first year with dignity and grace.
Despite what National Lampoon seems to think, the purpose of a college education isn't binge drinking. Certainly, students should take advantage of all that college has to offer outside of coursework. This includes new friends, extracurricular activities and a social scene that may be very different from the one you knew back home -- all far away from a parent's watchful eye. But with great freedom comes great responsibility, and it's equally important to suck every last drop out of your tuition by maintaining good grades and investing wholeheartedly in your coursework.
Dr. Robert Seybold, a senior psychologist and Program Director at the University of Minnesota, urges students to be clear in their goals before starting college. Seybold says that when he meets with students who have been suspended for poor academic performance, "the one thing that they've all had in common is that none of them could explicate to me why they were at the university."
Students can avoid losing track of their academic and personal goals by sitting down and writing out a clear list before the school year begins. Seybold advises that "it is a very significant time of personal transition. It's mostly important for students to be clear about what their reasons are for coming to college and making sure that they're very intentional about keeping up with their goals."
Another big difference between college and high school is the lack of structured time in higher education. In most high schools, every hour of every day is packed with a rigid schedule and faculty and parents are there to chastise those who deviate from the plan. In college, professors won't usually provide incentive to keep up in class. They assume you're there because you want to do the work, and expect you to do things for your own reasons. One of the most important things you'll learn in college is that if you want something done, nobody else is going to make sure it happens. You're the boss now, and you'll have to take charge yourself.
Never before has multi-tasking been so important. Dr. Mark McLeod, director of the Student Counseling Center at Emory University in Atlanta, says that American colleges and universities are unique in that they go far beyond the basics of education. He urges students to use all of the resources around them, encouraging freshman to "be open to meeting people who are different from you as well as having new experiences. Seek out and find extracurricular groups that interest you, join them and be a full participant. Try joining a group that is involved in something you have never done before. Get involved in college life. If you are shy, tag along with a friend … but get involved. Take a chance."
Don't be afraid to use the many support systems available to you. Resident advisors, orientation leaders, and academic advisors can be a friendly face as well as a source of guidance. These and other resources like your school's counseling center are available to students, often for free, in a way that is unique to a college campus. And, of course, your family is still there for you even if they're a long-distance phone call away.
Of course, none of this advice means anything if you enter college with a negative attitude. It may sound cliché, but it's true. It's normal to be scared and nervous about making new friends and dealing with a heavy course load, but, McLeod says, "Most students, if they are honest, will admit to being anxious as well as very excited." As you watch your parents drive away, or if you struggle with homework or finding your social niche, don't let that excitement slip through your fingers.


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Hey Jack, this is a problem I noticed back in .33 and was hoping it would be fixed in the new release. It seems that when using Camino all buttons created using Ext.Button need to be clicked twice to be activated. The first click puts the focus on the button, and the second actually depresses the button.
As for Ext.menu, there seems to be some severe flickering issues. Seems as though the menu is not registering the onmouseover event correctly, just from observation though, I could be wrong.
These issues have come up in both the alpha examples (which I know are out of date), the old .33 examples, and in some quick tests I've thrown together.
Is Camino explicitly supported currently, and if not are there any plans for support in the future?


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Document Type
- Article (1) (remove)
In this article we describe the architecture, algorithms and real-world benchmarks performed by Johnny Jackanapes, an autonomous service robot for domestic environments. Johnny serves as a research and development platform to explore, develop and integrate capabilities required for real-world domestic service applications. We present a control architecture which allows to cope with various and changing domestic service robot tasks. A software architecture supporting the rapid integration of functionality into a complete system is as well presented. Further, we describe novel and robust algorithms centered around multi-modal human robot interaction, semantic scene understanding and SLAM. Evaluation of the complete system has been performed during the last years in the RoboCup@Home competition where Johnnys outstanding performance led to successful participation. The results and lessons learned of these benchmarks are explained in more detail.


text: Hal Ketchum is suffering from Alzheimer's disease/dementia, according to a post made by his wife Andrea on Hal's official Facebook page. Hal, 66, had a string of hits in the 1990s, including "Small Town Saturday Night," "Sure Love," "Hearts Are Gonna Roll" and more. Andrea shared the news via Facebook to quell speculation related to…… MORE


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This is a Techmeme archive page. It shows how the site appeared at 8:15 PM ET, June 10, 2014.
The most current version of the site as always is available at our home page. To view an earlier snapshot click here and then modify the date indicated.
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Musical Based on Whitney Houston's Film 'The Bodyguard' to Bow in London
A musical play based on Whitney Houston's 1992 film 'The Bodyguard' is currently in the works, reports The Guardian. Producers from the Adelphia Theatre in London are developing the stage production about a blossoming relationship between a popular singer Rachel Marron and her bodyguard (played by Kevin Costner in the film).
Tony and Grammy Award-winning singer Heather Headley will portray the Rachel character which Houston played in the movie. The play is expected to bow for London audiences in November.
The musical will also feature some of Houston's biggest songs from the film's soundtrack including the centerpiece 'I Will Always Love You.' Veteran director Thea Sharrock will helm the musical, which will have a book written by playwright Alex Dinelaris.
The project has been in pre-production for over a year, way before the late pop icon's unexpected death. Obviously, since her passing, interest in the play has peaked.
Casting for other roles including the bodyguard character are still ongoing. No word if the London musical will travel its way to the U.S. shores on Broadway.


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Expectations are all over the place for Apple's 2014 World Wide Developer Conference (WWDC). Will there just be incremental updates to software and hardware or will there be something big and disruptive? Here are some predictions that could happen. Which ones do you think will be announced tomorrow?
2014 WWDC Predictions
Jun 1 2014
Apple Software Improvement Suggestions
Jun 7 2013
Apple is a company that strives for perfection. Perfection in their hardware products, in their software stack, and services. As we all know, nobody or no company is perfect and there are always bug fixes and updates that need to be made. With WWDC 2013 happening next week and more surprises in the Fall, there […]
Apple's Revenue Streams
Jun 7 2013
Apple has the following revenue/profit generating category: iPhone (>50%) iPad (>20%) Mac (10%) Apple Care (4%) iTunes/Apps/iBooks/Newsstand content (3%) iPod (2%) iAd (<1%) Apple TV (<1%) Accessories etc. From this list, only a few are currently multi-billion dollar categories. Especially of note, the major contributing "legs to the stool" are iPhone, iPad, Mac. Current multi-billion […]
iOS Product Lineup
Sep 11 2012
Since the first iPhone was shown, January 2007, it has turned the mobile industry upside down. Shortly after, September 2007, the iPod Touch was launched. Sort of an "iPhone without the phone." Then in 2010, the iPad was launched. And, of course, the Apple TV was launched as a "hobby" the same day the iPhone […]
Apple Bank Card
Mar 6 2012
Game Changers. Apple has a history of changing entire industries: The Mac, iPod, iTunes, iPhone, The App Store, iPad, iBooks, Apple TV, etc. The change to these industries are digital and disruptive. What's next? It needs to be something BIG, very B-I-G. Apple's market capitalization is approximately $500 Billion with revenues of over $100 Billion […]
Steve Jobs: Digital Disruption
Feb 16 2012
At first we might have dared it was luck. Then he did it again and again and again. Each product more revolutionary and bold than the last. During the dark ages, when he was in exile from Apple, while he created PIXAR and NeXT and creating the intersection between fine arts and technology, the rest […]
Steve Jobs & Larry Ellison: The Line in the Sand
Oct 15 2010
Legend has it that when Steve Jobs was about to make his return to Apple, that he met up with his good friend, Larry Ellison, CEO of Oracle. At that time, Microsoft was the dominant tech powerhouse and Apple was on the brink of bankruptcy. Both Oracle and Apple viewed Microsoft as a formidable adversary. […]
Apple's EcoSystem
Jan 26 2010
Tomorrow, the world is expecting Apple, Inc. to revolutionize the world, once again. It's revolutionized the world several times: personal computing, the iPod, the iPhone, and hopefully, tomorrow — the iTablet (or something along those lines). However, we must realize that all these hardware devices have fairly dependent ties to iTunes for content and that […]
Two Wires
Sep 29 2009
Apple/Intel's Light Peak. I wrote about this back in Feb 2006. So glad it's finally happening, and I quote: Two Wires I like to simplify things. The minimum to achieve the optimum — Occam's Razor. Therefore, I am going to suggest that there only needs to be two kinds of wires in the world. Yes, […]
Many, Many, Little Pieces Means Big Performance
May 31 2009
Are you seeing the trend for increasing performance? Computing Intel CPU multicore (currently, 8 cores) NVIDIA/AMD GPU multicore (currently, hundreds of cores) Storage Fusion-IO Drive multiple flash RAM modules (currently, hundreds of modules) Power Tesla Motors vehicle power pack made up of multiple batteries (currently, hundreds of batteries) Many little pieces working efficiently together with […]


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Breaching the Blue is "a blog run by Mark Gibson, an ocean enthusiast, social scientist, and divemaster seeking to 'connect the dots' for a better understanding of global ocean conservation." His site covers the politics, economics, and human dimensions of the global ocean, and The Schooba Academy is honored to be a part of his new podcast series. Check out our 15 minute interview on his site!
Posts Tagged 'economics'
Breaching the Blue podcastPublished August 29, 2011 Uncategorized Leave a Comment
Tags: breaching the blue, conservation, economics, mark gibson, nonprofit, ocean, podcast, politics, schooba, science, SCUBA, Zach Rome


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- Status : Released
- Release Date of film : 1993-12-25
- Original title : Tombstone
- Tagline : Justice is coming.
- Movie Genre : Action, Adventure, Drama, History, Western,
- Languages spoken : English
- Film Note : -movie_rating-
- Societies of production : Hollywood Pictures
- Vote Count : 140
- Duration of movie : 130
- Average rate : 7
- Youtube Id : -youtube_id-
- Kurt Russell Character (Wyatt Earp)
- Val Kilmer Character (Doc Holliday)
- Sam Elliott Character (Virgil Earp)
- Bill Paxton Character (Morgan Earp)
- Stephen Lang Character (Ike Clanton)
- Powers Boothe Character (Curly Bill Brocius)
- Michael Biehn Character (Johnny Ringo)
- Charlton Heston Character (Henry Hooker)
- Dana Delany Character (Josephine Marcus)
- Thomas Haden Church Character (Billy Clanton)
- Dana Wheeler-Nicholson Character (Mattie Earp)
- Michael Rooker Character (Sherman McMasters)
- Billy Bob Thornton Character (Johnny Tyler)
- Billy Zane Character (Mr. Fabian)
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EconSouth (Third Quarter 2008)
Foreclosures Chill Once-Hot Southeast Housing Market
Housing markets in the Southeast once sizzled like an August afternoon, helping to heat up the region's economy. But a cold wave of foreclosures has crashed through many of the region's housing markets, and its ripples have spread through most corners of the region. The eventual toll this foreclosure wave will take on the region's economy remains to be seen.
During the housing boom of 2004–06, Atlanta's Pittsburgh neighborhood briefly emerged as a magnet for new home construction. Builders saw opportunity in a previously neglected area across Interstate 75-85 from Turner Field (the Atlanta Braves stadium), an area that provides easy access to Atlanta-area jobs.
For a while, prices of newer homes with top amenities in the gentrifying Pittsburgh neighborhood approached $400,000. But in 2007 these prices began tumbling, and within months foreclosures began to spread quickly from house to house.
Today, boarded-up windows and overgrown landscaping characterize this once up-and-coming community. For sale, for lease, and foreclosure signs proliferate like the dandelions in the lawns. LaShawn Hoffman, chief executive officer of the Pittsburgh Community Improvement Association Inc., which promotes economic and community development in the Atlanta neighborhood, said new working families began moving into the area a few years ago. Many of them were renters who have now been forced out as banks repossess properties from absentee speculators who failed to pay their risky mortgages. The dwindling number of remaining residents find themselves constantly on guard against squatters trying to move into abandoned properties.
Foreclosure spreads its tentacles
Since 2005, foreclosure rates in Southeastern states have risen. The hardest-hit state is Florida, followed by Georgia, where the chief problems are in parts of the Atlanta metropolitan area.
Foreclosures have swept through communities with surprising speed. Just three years ago, Florida was below the national average in foreclosures. But the state now has the highest foreclosure rate in the Southeast, with almost 4 percent of mortgages in foreclosure in 2007, according to the Mortgage Bankers Association (MBA). Florida's foreclosure rate in 2008 has continued to climb.
In Georgia, 3.23 percent of all mortgages were in foreclosure in 2007—up from 2.56 percent in 2006. As in Florida, Georgia's foreclosure rate surged in the first half of 2008 (see the maps).
But the rate is not as high throughout the region. For example, according to data from the MBA, the foreclosure rate for Alabama at the end of 2007 was 2.37 percent—the lowest rate in the Southeast and below the national average of 2.84 percent. Foreclosures in Tennessee and Louisiana are also below the national average but are up from a few years ago. Mississippi's foreclosure rate has increased sharply, to about 3.5 percent at the end of 2007.
Housing price depreciation is a key culprit
Frame traces today's foreclosure problems to the rapid increase in house prices that took place a few years ago. U.S. house prices appreciated more than 55 percent between 2001 and 2006, driven primarily by income growth, low interest rates, and, in certain markets, supply constraints.
As housing affordability declined, subprime lending increased significantly with the availability of new and untested mortgage products. By 2006, about 20 percent of new residential mortgages were subprime; in other words, one in five mortgage borrowers had either low credit scores, high levels of debt compared with income, high mortgages compared with their homes' value, or unverified income. Many of these high-risk borrowers were buying houses with minimal or no down payments just as prices were peaking.
"The path of house prices appears to be very important—in both theory and in practice," Frame said. "Negative equity [owing more than the house is worth] is a necessary, but not sufficient, condition for foreclosure."
In principle, if they have positive equity, homeowners can either borrow to cover temporary shortfalls or sell the house. But owner-occupiers do not default simply because they have negative equity. Typically foreclosure involves a significant trigger event related to household budgets such as job loss, divorce, or large medical expenses.
When such events lead to numbers of foreclosures in a subdivision or community, the consequences can be severe—not just for those who lose their homes but also for builders, lenders, and others in the community with good credit. Examining how these various stakeholders are adjusting to the impact of foreclosures in the Southeast provides a window into the housing crisis in the region.
Homeowners work out the workout process
The increased housing counseling at CCCS this year reflects a deepening foreclosure crisis that began with low-income borrowers and spread to families with more substantial means. For the first time in 2008, the average household income of CCCS clients seeking housing counseling exceeded $40,000.
Along with additional foreclosure-related activity, CCCS has continued to receive calls from people struggling with credit card bills, medical expenses, and other types of unsecured debt.
"Demand for our counseling services is rising significantly as people try to avoid foreclosure and bankruptcy, as well as cope with rising gasoline and food costs," Boas said.
In response, CCCS is hiring about 80 more counselors using the proceeds of a $2 million grant from the Ford Foundation. Counselors help borrowers negotiate with loss mitigation departments of mortgage servicers and often help provide information that can lead to a loan modification, or workout. Typically, workouts involve investigation and time-consuming back-and-forth negotiations that vary depending on the situation. Such delays can be costly for borrowers and lenders alike. Recently, however, CCCS began testing a new software program to standardize and speed the workout process, Boas said.
A window on Florida's housing woes
With their patience and knowledge of the financial landscape, credit counselors and other nonprofits have played a crucial role in helping address the foreclosure crisis in south Florida, said Ana Cruz-Taura, regional community development director in the Atlanta Fed's Miami Branch.
In the climate of rapid house price appreciation between 2002 and 2006 in south Florida, many potential homebuyers abandoned the traditional go-slow approach of saving for a down payment to buy a house. Rather than paying more later by delaying their purchase, they instead chose to take a chance on a subprime loan in the hopes of getting into a home before property values increased further. Speculators fueled house price increases and worsened the affordability problem that drove ordinary borrowers into risky mortgages.
But when the housing market cooled and prices began to decline, overextended borrowers began to have credit problems. Between May 2007 and May 2008, Miami-area house prices fell by more than 28 percent, according to the S&P Case Shiller 20 City Composite Index, which tracks home values in 20 markets around the country. Still, even with this recent drop, house prices in Miami now are still much higher than in 2000.
Now, many homeowners who bought at the peak of the market a few years ago have negative equity. Others lost equity by borrowing against the price appreciation that had already occurred. Homeowners drained the equity gained with price appreciation and found themselves in trouble when their homes depreciated. Faced with the possibility of further price declines, many potential buyers have stepped aside, leaving distressed sellers with few options. Many borrowers who fell behind on payments have responded to this adversity not by reaching out to their lenders but instead by simply walking away from their homes.
"It's human nature that people tend to be afraid to confront bad news," said Janet Hamer, community development manager at the Atlanta Fed's Jacksonville Branch, who has worked on mitigating foreclosure problems in northeastern and central Florida. "There's an embarrassment factor that prevents people from asking for help."
With the oversupply of housing in Florida amid a worsening foreclosure problem, construction employment in the state has pulled back sharply, and the state's labor market has suffered. From January 2006 to July 2008, Florida lost more than 115,000 jobs, including 49,000 construction jobs, according to the U.S. Bureau of Labor Statistics. The combination of job losses and foreclosures has provided a painful double whammy in certain markets such as Palm Bay, along the Atlantic Coast, which has also suffered from cutbacks in funding to NASA's space shuttle program.
In community after community, foreclosures set off a domino effect. Foreclosures led to an oversupply of housing on the market, and the oversupply deepened price depreciation and intensified foreclosure, which led to even more oversupply of housing and a resulting sharp construction pullback and laid-off workers.
The decline of house prices throughout Florida has created one bright spot: the opportunity for value investment. This time, many investors, including those from overseas, plan to wait for the right time to buy—at the bottom of the market, ahead of the next cycle of appreciation.
The shifting lending landscape
For Southeastern lenders that have targeted residential markets, the recent spike in foreclosures has been costly. A number of the region's mortgage providers have gone out of business, and many Southeastern banks have struggled with the loans they made to small builders. Also, many of the home loans ending up on bank balance sheets are not primary mortgages but instead are nonperforming second mortgages or home equity lines of credit, including many loans backed by vacation homes.
Repossessing, maintaining, and selling foreclosed properties in a declining housing market have been major challenges for lenders, who have been looking for alternatives to adding to their real estate inventories. For example, lenders have devised new outreach programs such as enhanced Web sites targeting at-risk borrowers (see the interview with Barb Godin).
Lenders also have strengthened ties with credit counseling organizations, which have provided a vital link between lenders and distressed borrowers who are interested in making an informed and good faith effort to renegotiate their mortgages in the hope of obtaining more favorable loan terms.
But following an extended period of easy credit, lenders face their own constraints. Underwriting standards and regulatory oversight are changing the way mortgages are made and, concurrently, subprime lending has ceased because lenders have lost their appetite for these loans. Regulated financial institutions are bound by underwriting guidelines that require more careful scrutiny of loan documentation and more substantial down payments among other steps to ensure credit quality, said Pamela Cross, vice president and senior community development officer in the Atlanta office of North Carolina–based Wachovia Corp.
Cross noted that the concentration of foreclosures has become a factor in residential appraisals, especially in harder-hit areas of Atlanta. "Values now are lower than they were a year ago, and our lending ability is based on appraisal," she said.
Lower appraisals and other restrictions make it harder for owners to refinance and possibly avoid foreclosures—a scenario that might not have occurred with more stable real estate conditions. "In some cases we are seeing a huge difference between the present value of the mortgage and the newly appraised value of the home," said Arthur Fleming, first vice president and director of community investment for the Federal Home Loan Bank of Atlanta. In such cases, he added, "refinancing is a big issue."
Lenders can take solace in the relatively uneven distribution of foreclosures. Subprime loans account for less than 10 percent of homeowner mortgages, but they make up more than half of all foreclosures, according to the National Association of Realtors. In more affordable markets where subprime mortgage lending was not widespread, foreclosures have been much less problematic.
State by state, the landscape changes
Even in the overbuilt Atlanta area, population growth has helped to support housing demand in the more stable communities, especially those with convenient access to intown jobs. And some areas have been relatively unaffected by the foreclosure crisis. "Outside of Atlanta, the foreclosure issue in the rest of Georgia is not as severe," said Connie Bryant, community development officer with Wachovia Corp.
Bryant said isolated foreclosures have been problematic in Macon and Dalton, where subprime borrowing was prevalent and the carpet manufacturing and chicken processing industries were laying people off. But the scale of the problem in these areas is moderate, as it is in much of Savannah and Augusta.
During the peak period of subprime lending, Louisiana experienced only modest growth in both population and house price appreciation. As a result, the state did not attract much of the type of lending activity that set the stage for foreclosure problems in other states, said Nancy Montoya, the Atlanta Fed's senior regional community affairs manager for the Gulf Coast. In the New Orleans area and along the Mississippi coast, many of the outstanding loans were on a voluntary foreclosure moratorium because of heavy losses from Hurricane Katrina in 2005. Once vulnerable homeowners received their insurance proceeds, many chose to pay off their loans.
Greg Gonzalez, Tennessee's banking commissioner, said declining asset quality was a concern in his state. But he noted that his office has not received a large number of complaints about foreclosure and that the incidence of foreclosure statewide has not been severe. "The problem is evolving, and we're trying to get information and respond appropriately," Gonzalez said.
Builders offer discounts, concessions
During the housing boom, residential developers had plenty of options for borrowing money. Lenders competed to finance construction projects in fast-growing markets across the Southeast, and regional banks were also heavily concentrated in real estate lending. Their activity is now clearly evident with the boom of condominium construction on Florida beachfronts and along Atlanta's Peachtree Street.
These properties, some of which have taken years to build, are now being marketed in a real estate environment much more difficult than developers anticipated when they received financing and broke ground on their projects. In recent months, demand for new construction in major Southeastern markets has been weakened substantially by declining consumer confidence, less credit availability for purchasers, and increased competition from resales, including market sales, short sales, and foreclosures, said developers in the Atlanta area. In response, developers have offered concessions, including price discounts.
With the decrease in qualified demand and more supply coming into major markets from the large influx of condominiums that were started from 2002 to 2006, house prices have stagnated and in some cases declined. These developments, in turn, have boosted the foreclosure rate and a greater concentration of foreclosures, particularly for condominiums and homes delivered and purchased in the past three years, developers said.
In the close confines of a condo building, a few foreclosures can have a ripple effect on sales. Residents who stay in buildings with rising vacancies or foreclosures often end up paying more for shared expenses such as maintenance and insurance under the broad umbrella of association fees, said the Atlanta Fed's Cruz-Taura. Also, because of the uncertain value of the collateral, lenders have become increasingly wary of originating mortgages to buy condominiums in buildings that have been tainted by foreclosure. In many cases, prospective buyers have simply walked away from their deposits—because they either couldn't get a loan to close the purchase or were deterred by the declining market.
With less financing available for purchases, demand for rental properties has increased. Also, developers have begun to convert some condominium properties into rental units. "People who can't get mortgage financing are back in rental," said Egbert Perry, president of Integral Group, a real estate development and management business in Atlanta. "We're starting to build in rent increases after a period when rental rates were artificially held down because of demand and credit for buying houses for sale."
An upside of the foreclosure problem is improved affordability of housing, especially in the most expensive markets in the region. In this environment, however, most of the improvement in affordability has been offset by higher taxes and other costs, said John O'Callahan, president of Atlanta Neighborhood Development Partnership. The need for more affordable housing is as pressing as ever, he noted.
But first-time buyers with good credit and ample savings for a down payment are well positioned to become homeowners. Whether or not they face more house price declines is uncertain. The abundance of foreclosed properties provides opportunities for bargains but also tends to drag down the rest of the market. Given the severity of the problem in neighborhoods such as Atlanta's Pittsburgh and the additional supply coming into already glutted markets in parts of the Southeast, projecting the bottom of the housing market is difficult.
Signs of progress are appearing, though. Distressed mortgage borrowers have become more aware of their options, and lenders seeking to avoid additional and perhaps preventable foreclosures have devised creative ways to keep families in their homes.
Fed Chairman Ben Bernanke stressed the importance of such efforts in a May speech: "Most Americans are paying their mortgages on time and are not at risk of foreclosure. But high rates of delinquency and foreclosure can have substantial spillover effects on the housing market, the financial markets, and the broader economy. Therefore, doing what we can to avoid preventable foreclosures is not just in the interest of lenders and borrowers. It's in everybody's interest."
This article was written by William Smith, a staff writer for EconSouth.


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Yacht basin copper rules raise questions
The Shelter Island Yacht Basin is under orders by regulators to reduce copper in its water to a level about 300 times lower than is permitted in drinking water.
The contrast has some critics questioning whether the rule, which is causing boat owners to repaint their hulls with copper-free coatings, is another example of environmental rules going too far.
"If I filled my pool with drinking water, my kids would have a much higher concentration in my pool, than if they were swimming in the bay," said Port Commissioner Dan Malcolm. "It seems a little odd to me. It doesn't seem logical."
Scientists and water regulators say, however, that the disparity between marine rules and drinking water standards reflects the complexities of copper's reaction in different water conditions, and in different species.
The lower copper levels are needed to protect shellfish, they say. To those organisms, the common metal is poison, lethal at amounts that are trifling to humans, they say.
"The lower on the food chain, the more damage you'll have," said Jeremy Haas, environmental program manager for the San Diego Regional Water Quality Control Board, which imposed the rule. "They are more sensitive to those metals (than people are.)"
Protected spots such as Shelter Island have low water flow and high copper buildup, while variations in local water chemistry can affect the metal's toxicity to sea life.
Water quality rules consider all those factors, said David King, a San Diego attorney who served on the water board from 2006 to 2010.
"Does it sound silly that you've got a lower level of copper in the bay than drinking water?" King said. "Sure, but not when you consider what we're trying to do is keep the bay from being a toxic environment to marine life."
With a recent $600,000 grant from the State Water Resources Control Board, the San Diego Port Authority aims to nudge Shelter Island boat owners to convert from copper-based paint, used to retard barnacle growth, to newer alternatives. The port also converted its own fleet to copper-free paint last year.
Some boaters say the copper rule goes overboard, arguing that the replacement paints are costly and hard to maintain.
"It's just very expensive, it's not diver-friendly and it's not boatyard friendly," said Bill Roberts, owner of Shelter Island Boatyard, which handles some of the repainting jobs.
The Shelter Island basin, tucked in the northwest end of the bay, is one of eight marinas in the bay listed as impaired under the Clean Water Act because of elevated copper levels, according to the port authority. It's the only one, however, under orders to reduce the concentration of copper in its waters.
In 2011, the port measured copper off Shelter Island at 8.3 parts per billion — more than twice the target level of 3.1 parts per billion.
By contrast, the water board limits drinking water to 1,000 parts per billion of copper, a level that protects its taste, odor and color. It would take more than that to sicken a person, officials said.
Shellfish, however, take in more copper and have poor systems for eliminating it, said Jim Meador, a research fishery biologist with National Marine Fisheries Service.
"Invertebrates are not as good at regulating, so it takes much less to kill them," he said.
Hass said that's what makes copper so effective at inhibiting growth on boat hulls. The paint slowly leaches copper, killing off algae and barnacles. The metal released remains in the water and seafloor, though.
"It's toxic to what grows on the boat, which is the point, but it's also toxic to unintended targets in the sediment," Haas said.
In 2005, the water board issued a rule requiring the basin to reduce copper by more than three quarters over 17 years, in order to meet standards set by the U.S. Environmental Protection Agency.
In 2011, the Port Authority received the state grant to help boat owners convert to copper-free paint, and last fall it increased the amount it pays to persuade more boat owners to participate. Coastkeeper Orange County received a similar grant for $213,000 to repaint boat hulls at Newport Harbor, said Tim Moran a spokesman for the state Water Resources Control Board.
To date, three San Diego boats have been repainted under the program and seven more are in the works, port spokeswoman Marguerite Elicone said. The funding could help pay for repainting of up to 100 boats, said environmental program manager Karen Holman.
The port is also trying to educate boaters about paint options, urging those outside the basin to make the switch on their own.
Copper-based paint replaced an even more toxic predecessor, Tributyltin, which Meador said is harmful to marine life in parts per trillion, and was banned five years ago. The newest coatings cost about two to three times the price of older varieties, and have generated mixed reviews from boaters.
Roberts, whose boatyard is repainting a number of vessels, said the newer paint is difficult to apply and requires more frequent and careful maintenance.
Port officials said, however, that the paints they've tested are long-lasting and easy to care for.
"Some people are thrilled, they think they work great, and don't need any more maintenance than the copper-based paint," Holman said.
She said several companies have each voluntarily converted at least one boat. And Brad Engel, vice president of Flagship Cruises and Events, said his company converted its entire fleet in 2011, noting that the newest copper-free paint formulas hold up in the water.
"It was better for the bay, better for the environment," he said. "It's getting to the same levels and durability of the copper paints."
The Navy has investigated options for its ships, but hasn't found a copper-free paint that meets all its criteria for cost and performance, said William Franklin, environment spokesman for the Navy Region Southwest.
Andy Kurtz, owner of Seaforth Boat Rentals, which runs a fleet of about 150 recreational boats, said the range of options are confusing, and place an unfair burden on boaters. If copper-based paint it toxic to sea life, he said, it shouldn't be sold.
A bill introduced by State Sen. Christine Kehoe, D-San Diego, to ban copper-based hull paint failed last year, but a similar bill introduced recently by Assemblywoman Toni Atkins, D-San Diego would take up the issue again in narrower terms, requiring state regulators to study alternatives to copper paint.
"If it's that important, it should be done through regulations," Kurtz said. "Don't sell a product that's bad for the environment."
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SOUTHFIELD (AP) -- A Muslim civil rights organization has asked the U.S. Treasury Department to investigate JPMorgan Chase & Co. for closing bank accounts of U.S. Arabs and Muslims.
The Southfield-based Council on American-Islamic Relations' Michigan chapter sent a letter Wednesday to the Treasury Department's Office of the Currency. The letter says CAIR and others have received "a series of complaints" about closed accounts.
A JPMorgan Chase spokeswoman told The Associated Press she was unaware of the complaints but would look into them.
Treasury Office of the Currency spokesman Bryan Hubbard says the department will look into the allegations.
Civil rights advocates sent a letter in March to the Justice Department alleging similar actions by several banks.
CAIR says it's concerned the accounts are considered risky because of the holders' religion or ethnicity.
Published: Fri, Jun 14, 2013