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Financial Fear Factor; Taxes
Aired July 31, 2010 - 13:00 ET
ALI VELSHI, CNN HOST, YOUR MONEY: Christina is off this week. This economy is growing even though the pace of that growth has slowed and yet confidence is sinking. Businesses are holding back on hiring indicating to some people that the worst is yet to come. Diane Swonk is the chief economist at Mesirow Financial. Diane let's talk about this. The fear seems to be gripping the economy. It's not the same fear we had a year and a half ago. A different fear that maybe we're not going to emerge from this bad economy as strongly as we would have hoped. And that's holding people back from buying things and it is holding companies back from investing and hiring people. Diane, do you think these concerns are legitimate and if not, what can we do to get past it? DIANE SWONK, CHIEF ECONOMIST, MESIROW FINANCIAL: Well the concerns certainly are legitimate. The economy feels like its growing so slowly it's like being stuff in a traffic jam. You're moving forward, but every inch you make forward anxiety builds because you don't know if there's an accident ahead or a detour ahead. And that is exactly what the economy feels like today particularly for the U.S. consumers. Consumer confidence has taken a hit because in fact hiring has not picked up as many would have hoped it would. The unemployment rate remains extremely high. On the flip side of it business investment is picking up. We're seeing businesses invest at a double digit pace in the second quarter and really seeing very strong investment in new technologies. The double-edged sword of that of course is that we're seeing consumers not get jobs from that. Because as capital investment picks up initially that boost productivity growth but it means you can do more with what you have got, you don't have to hire a lot of people. Over time we know that the rebound and profits will add to hiring but it's been a very slow process. VELSHI: Justin Wolfers is an associate professor in business and public policy at the Wharton School of the University of Pennsylvania. Good to see you, Justin. I'm sure people ask you all the time is the economy getting better, is it getting worse. Take a look at this; this is GDP growth for the last six quarters, the last year and a half. You can see generally the pattern was from bad to better and then the last couple of quarters, we're growing. We're above the zero line but we're not growing by much. The question I have, Justin, or that I get asked a lot. What does the average person got to do with GDP? It is the biggest measure, gross domestic product, it is the biggest measure of our economy, is it relevant to whether or not we have a good strong economy or not? Is it relevant to these fears that I was just talking to Diane about? JUSTIN WOLFERS, ASSOC. PROFESSOR, WHARTON SCHOOL: Absolutely it's relevant. GDP is just a fancy way economist's way of saying averaging counting the whole economy. Now, it turns out when you look at things that make people happy. You try and look at which economic indicators correlate with their well being. GDP really helps, the really big won that matters to people are unemployment. When unemployment rates are high, or when you in particular are unemployed you are having a pretty tough time of things and so that I think speaks to how GDP can be growing and economists are telling us that things are getting better, there is a lot of people out there who think that things are still pretty grim and that is because unemployment is high and it looks like it is remaining high at the moment. VELSHI: All right. We are in an election cycle there's no question about this. This comes up a lot, people accusing the administration of not doing the right things to generate business, to generate those jobs. And many of those jobs are created when people as you said, Justin, decide that they're confident enough to start spending their own money. So Diane, what has to happen? What has to give to make it feel like a growing economy? What has to happen to make people feel like they have a job and that their money is well spent and to start creating jobs in a virtuous cycle? SWONK: Well, you know, that's exactly the problem is jobs. What we're seeing is we've got a headwind in the dog days of summer right now. As the census hires come off and state and local governments begin to do their budget cuts we're seeing job growth actually go in the other direction. We saw negative job growth last month. Even as private payroll picked up, the loss from government jobs actually stabbed of net job growth in the U.S. economy. So it is jobs, I think the hard reality is that as much as all that we did during the 2008, and early 2009 to stimulate and to stem the blood money it stopped the losses that we thought in the U.S. economy and did trigger recovery. But the problem is it's not enough and it's not -- the economy is not growing fast enough. The pace at which we grow is really important. Because it's not growing enough and fast enough to generate enough jobs to have people feel good about it. I think we will see some hiring pickup in the fall, but it's still going to be a very long slog, it is very high unemployment. The real issue for most consumers out there is that it's also been long rate of unemployment. The duration that people are unemployed is very long, stay the longest ever. I think that's the real issue is the sense that you're losing your skills. You're not able to get back in the labor skills and anxiety rises the longer you are out of the labor force as well. VELSHI: We just saw some numbers. Consumer confidence decreased again in July, the measure of consumer confidence put out by Reuters and the University of Michigan showed a decline because of heightened concerns about personal financial prospects as well as about the over all economic outlook. I want to ask you, Justin. It has been a tough time we have gone through, it seems a lot better than it was at the end of 2008 and even at the end of 2009. Still there's this benign recovery. People aren't really buying into it. They're not sure about it. What do you think the next decade looks like? If you tell me it looks good, I might start making decisions about spending or investing or hiring people. WOLFERS: There's two types of recovers that you can see out there in the world, usually for the U.S. economy in particular when things get bad the economy snaps back to where is was before the recession. Bad recessions are usually followed by really robust recovers and so the optimistic economies out there are sort of hoping that the past to the U.S. is one of the future. There's the pessimist I might be one of the pessimist and it sounds like Diane might be too. We worry that this recession is different, and this recession is different because a lot of the unemployed now are long-term unemployed. They're losing skills and they are loosing touch with the labor market and they are loosing hope. And as that happens they starts to become disenfranchised from one of the most important parts of our economy and in fact our society. And when the growth returns they may not be ready to take those new jobs. This is what we learned in Europe in the 1980s, and 1990s. A lot of long term unemployment and so the unemployment rate remains very high for a decade even after a serious recession. So I think the key to getting the next decade right is getting a long-term unemployed back to work. VELSHI: That's going to be the goal and that is going to be the discussion that is going on throughout the election. That's going to be what you're hearing from the administration and everybody else who is running for election. We'll talk to you both again. Thanks very much for joining us, giving us your sense of what you think the future is going to look like. Justin Wolfers is an associate professor of business and public policy at the Wharton School in Philadelphia. Diane Swonk a good friend of our show, the chief economist at Mesirow Financial. Thanks to both of you for being with us today. Now let's talk about taxes for a second. If you thought only the wealthiest Americans would be paying more in taxes you might want to stick around for this. Coming up next we will explain why a tax hike might be on the way for almost everyone. (COMMERCIAL BREAK) VELSHI: On the campaign trail in 2008 President Obama said no family making less than $250,000 will see any form of a tax increase. Unless Congress does something soon, that won't hold true because the federal tax cuts of 2001 and 2003 are scheduled to expire at the end of this year. Senior correspondent Allan Chernoff explains how this could have an effect on virtually all of us. (BEGIN VIDEO CLIP) ALLAN CHERNOFF, CNN SENIOR CORRESPONDENT (voice over): The Chudyk's of Ramsy, New Jersey like to enjoy their money. CHRIS CHUDYK, CERTIFIED PUBLIC ACCOUNTANT: We're definitely spenders. We like to have a good time, like to enjoy life. CHERNOFF: But even though Chris and his wife Dawn have stable jobs they're preparing to tighten their belts. Chris, an accountant, figures he'll soon need and extra $350 a month to pay more federal taxes. CHUDYK: Where does that come from? Maybe not going out to eat as much, maybe bringing a lunch to work. You know also reducing maybe the amount that we can save. CHERNOFF: Brace yourself. There's a very good chance your family also may soon have to confront the same tough choices, find extra money to pay Uncle Sam. Tax rates are scheduled to rise once the year ends. That's because tax cuts that President George W. Bush championed in 2001 and 2003 were put in place only through the end of the decade. SCOTT HODGE, PRESIDENT, TAX FOUNDATION: If Congress does nothing it could lead to one of the largest tax increases in American history. CHERNOFF: President Obama pledged let taxes rise only on families earning more than $250,000 per year. But as things stand right now tens of millions Americans who earn less are about to get whacked by new higher tax rates. ROBERT TRAPHAGEN, PARTNER, TRAPHAGEN FINANCIAL: If new tax legislation is not implemented it would be a dramatic effect to the middle class. CHERNOFF: Middle class tax rates are scheduled to go up by 3 percent. But the Chudyk's earn just over $175,000 the change will put them into the 31 percent marginal tax bracket, up from 28 percent today. (END VIDEO CLIP) CHERNOFF: Also due to change, the tax credit that middle and lower income families get for each child would be cut in half to a maximum of no more than $500 per child and taxes would rise on dividends and capital gains, especially hurtful to retired Americans. In planning to let taxes rise President Obama hopes to chop the budget deficit. But if families like the Chudyk's cut back spending by $350 a month that could hurt the economy and that could derail the recovery, and if that happens some experts argue it could mean lower overall tax revenues for the treasury. There is some hope for the middle class. Senate finance chairman Max Baucas supports making the tax cuts for middle income families permanent and on the House side Democrats say they also want to give relief to the middle class. So there is a chance couples earning less than $250,000 a year will be spared which is exactly what President Obama has pledged. But for those earning more than $250,000, rates are almost certain to rise. Ali. VELSHI: All right. So at the end of your story there Allan you hit on a very interesting point. And that is if that family there ends up paying $350 more a month in taxes, that's possibly money that they would have spent somewhere else that might have helped the economy out. But as you said, at the end of this year, someone, maybe just wealthy Americans is going to see a tax hike. With this uncertain economy we're in right now, we saw GDP come in lower than we expected it to come in. We saw consumer confidence come in lower in July than expected, what does a tax hike whether it's on just the wealthy or the broader middle class do to the struggling economy? CHERNOFF: Ali, it's a major risk, there is no question about that because the consumer does fuel the economy. And as you accurately point out right now, the consumer is not feeling all that good. Confidence is pretty low. Consumer spending has not been driving this economy. It's more business spending that's been holding things up. So if the consumer is whacked some more, you pull back, you get that a little bit less in the equation in terms of the economic growth. It's a real risk, but Washington needs to also deal with that budget deficit. VELSHI: And that's a good place to bring in Gloria Borger, she's our CNN senior political analyst. Gloria the president not getting great marks for his handling of the economy and we can debate whether or not it is his economy or someone else's that he inherited but he is two years in and basically most people think it's largely your problem. They don't blame President Obama for the position they're in. We're talking about whether he's handling it the right way. This is a big, big challenge for us going into the midterm election because you're going to have this administration trying to say this isn't our problem and you're going to have Republicans saying it's totally your problem. GLORIA BORGER, CNN SENIOR POLITICAL ANALYST: Right. And you know they're going to have to figure out what to do because as Allan was just pointing out, these tax cuts expire January 1. I mean I remember when they voted in these tax cuts, remember that thing called budget surpluses and George Bush was telling people we want to give you your money back? But even Congress understood that at some point that could cause a deficit problem. So you have the president right now. You have the treasury secretary right now, the speaker of the House all saying if your family earns $250,000 or less you're going to keep your tax cuts. And you have some moderate Democrats joining with Republicans and saying what Allan is talking about which is this is not the time to raise anyone's taxes in a recession, even on the top 3 percent of wage earners in this country. However, you do have a bunch of economists, who say that those people will continue to spend even if they do get an increase to 39.6 percent, which just, by the way, returns the wealthy's tax rate to where it was during the Clinton years. CHERNOFF: Ali, Gloria, there's another aspect to this as well. Because the wealthier are going to get hit as mentioned on the dividend side of things and on the capital gains as well. I mean after all, it is primarily the wealthy who are the folks who own stocks. So these tax increases make investing in stocks less attractive, and we also do need to rebuild confidence in the stock market. VELSHI: But you did say, exactly Allan. You did say that it's businesses that might be spending now and this is where our worlds collide because there's a world that says don't help business out at the expense of people, particularly since look at what the big businesses did to get us into this mess. But as we know Allan with out big business investing, with out wealthy Americans investing our ability to recover is slowed down because they invest in stocks, those companies get money, they hire people. Those people get jobs and then they spend. How do you square this circle? Allan, let's start with you. CHERNOFF: Well, you've got to look, first of all, at the short term and the long term. Long term we do need to reduce our deficit. We have a real risk long term that interest rates could shoot up, the recalls of these deficits we have been running. Right now the economy is still fairly week. Interest rates are extremely low. So that is not a problem. So a lot of economists would argue, look, you've got to still prime the pump. You've got to get money into the economy long time for a tax increase. BORGER: Well, you know, the president is talking about help for small businesses for example to offset this. But if we were to extend all of these tax cuts right now, it would be $2 trillion added to the deficit. By the way, we have a deficit commission, which is supposed to report December 1st. VELSHI: That's right. BORGER: There are some folks who are saying, gee, maybe they'll kick the can down the road a little bit and let the deficit commission deal with this or maybe they'll deal with it in the lame-duck session. However, that would really be agitating their responsibilities right now, not that that's not beyond them. This is an issue; they're just going to have to deal with it. The Democrats are going to say, you've got to think about the deficit here, and they're going to say Republicans are hypocrites if they don't. VELSHI: This is a tough one to deal with because neither higher taxes nor higher deficit are good for an economy but we may be faced with a choice. Great to talk to both of you. Allan Chernoff, Gloria Borger always a pleasure to see you both. BORGER: Thanks. VELSHI: Financial reform, you know that that bill went into law. Our next guest says it might be the best law that money can buy. He'll explain to you what that means when we come back. (COMMERCIAL BREAK) VELSHI: One major criticism of the recent financial reform law, the role that the massive Wall Street lobby played in drafting the final bill. (BEGIN VIDEO CLIP) SEN. CHARLES GRASSLEY, (R) IOWA: You know, Goldman Sachs and Wall Street people wanted this bill passed, and if it's such a change of environmental for Wall Street, why would Wall Street be backing it? (END VIDEO CLIP) VELSHI: That's a good question. Steven Brill is a longtime journalist; he is a founder of the American Lawyer, co-CEO of Journalism online. He joins me now and he says this is the best bill that money can buy. So, Steven, you think that the lobbyists got their way in large part. STEVEN BRILL, FOUNDER, THE AMERICAN LAWYER: Well in large part they did. I disagree with the Senator. I think if they had their way, really, they would prefer that nothing would be passed. There really isn't any question that there's some significant reforms here, but at the edges, at the margins, lobbyists were able to do what lobbyists can do which is get a slight change in wording here, a paragraph inserted there, a change in a sentence here that adds up to billions of dollars worth of change for the interest that we are able to pay all these lobbyist to try to go get that change. VELSHI: Now some will argue, lobbyists will argue, and lobbyists are on all sides of an issue, they will say that they're the ones who helped form this legislation and other legislation. This isn't unique to this legislation because they're aware the rubber meets the road so they guide legislators and their staff into saying this wouldn't work but this does. How much of this is necessary lobbying and how much of it is undue influence? BRILL: Well, it's a combination of both, but they're definitely right in the sense that if you're in the xyz industry and a bill is being passed to regulate your industry, you obviously will know the most about how that bill and how little new answers in the bill will affect your industry and may have unintended consequences. So really good members of Congress were telling me that they will use lobbyists as a sounding board and say what about this, what about that, and they'll try to play it off people who are on the other side of that lobbyist. The problem here is that the scales really aren't very well balanced. Those people representing the big banks and the other bit interests have many more lobbyists and are very skilled and they can sort of outweigh the voice of lets say the consumer advocates. But that's the system we bargained for when we passed the first amendment. VELSHI: In some pieces of legislation it is more balanced, you have people on both sides perhaps lobbying, you are spending similar amounts of money, but in this case that is not the case. BRILL: There were some instances for example of the fights over limits on what the banks could charge merchants for debit card usage. The merchants were the big box stores like Wal-Mart and Staple's and the banks, now their lobbyists thought that was a pretty fair fight. VELSHI: Let's talk about this, the Chamber of Commerce. Which has spent a lot of money lobbying for business interest and opposing a lot of what this administration has done. They spent $144 million last year lobbying for business interest and yet a lot of the things that they specifically didn't want in this financial reform bill made it in. What does that tell you? Does that tell you that despite all of this lobbying effort there's just some stuff that still works in Washington? BRILL: Well, when the public pays attention and the public cares, members of Congress will pay attention to that. The only thing that members of Congress care more about then donations to their campaigns are votes. So if the public's paying attention, if it's a high- visibility issue, the role of lobbyists will go down. But by the same token when it's no longer a high-visibility issue, the role of lobbyists will go up. Now what we are going to see now that the regulations for all this stuff have to be written and these are thousands of pages of unintelligible regulations, there is not going to be a lot of visibility on that and the lobbyists will have lots of influence and it's going to be up to the press to pay attention on behalf of the public. VELSHI: You bring up a good point. I'll use my cliche where the rubber hits the road. This legislation is actually going to be now where the law becomes regulation, those regulations are written, and if we all go away from this thing, it could be just the lobbyists left in the room with the legislators. BRILL: Exactly right. You know some of this stuff is so arcane and it is so boring and it is so meaningless to all of us except for the people to whom this means millions of dollars or billions of dollars. VELSHI: I want to ask you one thing. Goldman Sachs settling with the S.E.C. for more than half a billion dollars, Citigroup this week says it is going to pay nearly $75 million to settle charges from the S.E.C. that it misled investors about its exposure to sub prime mortgages. Steven do you get some sense that these penalties while they sound huge, in the case of Goldman Sachs the biggest settlement ever for the S.E.C., I hear a lot of people say this isn't enough money to make any of them change the way they do business. BRILL: Well the settlement, the amount of the money might not be enough but we can hope that the embarrassment of the case, you know, might be something. But I haven't read all the details of the S.E.C. case against Goldman so I certainly don't know as much about it as I should. VELSHI: Steven good to talk to you. Thanks for coming on to talk to us a little bit about this. Steven Brill is the founder of the American Lawyer and the co-CEO of Journalism online. Immigration another topic that we're talking about a lot, we are going to have a conversation about it like none that you've seen this week. We're going to try and strip away race and politics, image that we are going to try strip away race and politics from the immigration discussion and reveal exactly what immigration policy would best suit this country and this economy. (COMMERCIAL BREAK) VELSHI: If you eliminate race and politics as considerations to the immigration battle, well, you may not get the policy you want, but you may find that you get the immigration reform that would be best for our economy. Pia Orrenius is a senior economist at the Federal Reserve Bank of Dallas and the author of "Beside the Golden Door: U.S. Immigration Reform in a New Era of Globalization." Lets just talk about this for a second, immigration is such a dynamic thing in terms of the economy, immigration policy might be the least dynamic part of our entire government. Strictly in terms of the economy we have here in the United States. What do we do? Where do we get it right on immigration policy? Where do we get it wrong? PIA ORRENIUS, FEDERAL RESERVE BANK OF DALLAS: We get several things right on immigration policy. I mean we do what we can to bring in high-skilled workers in particular. One way we do it is through the Green Pipe Program. The problem with the Green Pipe Program which Ali is a million permanent residents visas per year, the problem with it is about 85 percent of these visas go to family base and to humanitarian immigrants and only 15 percent go to work-based immigrants. And further more the 15 percent that go to employment base only about half go to workers and the rest go to dependents. So we basically have a system that short shifts employment based immigration. VELSHI: Let's bring in my colleague, CNN International Richard Quest; he's the host of "Quest means Business." Richard while a lot of Americans will tell you this a particularly American problem it is really not. Most countries have the very debate that is going on in the United States to some degree or other. Do you get some sense in all of your travels that some places get it right in terms of immigration policy, the kind that actually supports their dynamic economies? RICHARD QUEST, CNNI HOST, "RICHARD MEANS BUSINESS:" Not really because of the discrepancy between just as you were talking about, between the highly skilled and the manual labor, the needed to basically run many economies. It's exactly the same in the European Union where there's been a huge migration of workers from the new eastern countries of the EU into the western countries. Some would describe that as pure and simple economic migration. What they call during some campaigns the polish plumbers who moved west. Even now here in the UK, at the moment there is a plan going through the government to cap the number of non-EU immigrants allowed into Britain. You see, within the European Union, everyone is allowed to move anywhere but what the government in Britain wants to do is put a ceiling number of non EU immigrate. What's doing, Ali, is distinguishing because companies are squealing in Britain today. They are complaining that there aren't enough high-grade, high quality visas necessary. VELSHI: Pia, I'm going to ask you this. Here in the United States you have people at both extremes. You worked in this, you specialized in this, you have written a book about it, and you worked in the administration. One extreme says we don't do well. We don't bring in the high skilled labor that we need. The other extreme says we give too many visas out and we invite too many people into this country. What actually is the truth in this country? How much immigration do we need? ORRENIUS: Well, the truth is -- I mean the truth is that let's start with how we bring people in. I mean that is the basic problem that we deal with in the book. So take for example the H 1 B program, we try to compensate for the fact that we allocate very few green cards to high skilled workers by bringing high skilled workers in on temporary bases, like the H1B. But then when these workers decide they want to stay permanently and they apply for a green card they still run into a quota and they are stuck in long lines. Right now there is a million approved applications in the green card, so you wonder if it's going to take ten years to clear if there's no action. VELSHI: Pia, I hope lots of people read your book, because what people need to do in this country is know exactly what this topic is. It's very hard to get past the hyperbole and actually understand what the issue is with immigration. Pia Orrenius is senior economist with the Federal Reserve Bank of Dallas and the author of "Beside the Golden Door: U.S. Immigration Reform in a new Era of Globalization. Richard, you stay right there. We're going to continue our conversation when we come back. Morality versus money. Find out what the government is looking to legalize to fill its budget gaps coming up next. (COMMERCIAL BREAK) VELSHI: I'm back with Richard Quest, host of CNN International's "Quest means Business" and making his debut on our show Pete Dominick, he is the host of Sirius XM "Stand up with Pete Dominick in addition to his regular off beat recording on "John King U.S.A." every week night at 7 pm Eastern. Let's get right to it, guys. Bp made the change that everybody expected. They replaced CEO Tony Hayward; Hayward said he will be replaced by October. Hayward told the "Wall Street Journal", quote, "I became a villain for doing the right thing." One major reason for Hayward's demise, pr blunders like these. Take a listen. (BEGIN VIDEO CLIP) TONY HAYWARD, FORMER CEO, BP: This wasn't our accident. It was the drilling rig operated by another company; it was their people, their systems, their processes. We're responsible not for the accident. I think it's been very, very modest. There's nobody who wants this thing over more than I do. I'd like my life back. (END VIDEO CLIP) VELSHI: Let's start with Richard. Richard, Tony Hayward, incompetent or a victim of really bad pr training? QUEST: Certainly not incompetent in the sense that from day one Bp has always said it will clean up the mess and it will take care of those people involved. No. Complete and utter disaster when it came to p.r. When you think of the number of people that Bp must employ, and you really have to question whether or not they are worth that money or not, it's a difficult one, but I do think there will be change now. Bob Dudley right from the get-go, he has put his finger on the pulse. And you know something, Ali, it doesn't matter which way you look at it. You have this duty, I feel your pain. If you don't do the "I feel your pain," you come off as uncaring capitalism. VELSHI: Now I have to say Bob Dudley the incoming CEO first American to run a big British company like Bp, I'm not sure -- QUEST: Don't get so hung up on the nationality of the people involved. It was the incompetence of the way it was handled rather than the nationality. VELSHI: OK. Pete, ignore the fact that it's a British company. PETE DOMINICK, HOST, "SIRIUS XM STAND UP:" Yes, Ali we're not talking about soccer here or football. First of all I didn't know you were going to play those clips. They make me sick to my stomach listening to Tony Hayward complain and it is a duty and I feel your pain. First of all you can say I feel your pain, but nobody believes it. This guy was in charge of the company during a time Ali, that it had a culture of corruption in safety measures. He can blame it on anybody he wants, it falls on him. Him and all these other oil companies didn't spend one dime on investing in a clean-up technology and you can argue that is certainly how effective their bottom line of profitable and we see they're in pretty bad shape. QUEST: Hang on, hang on. Get off your high horse. Because the fact of the matter is as long as Americans continue to want and demand the very cheapest in fuel and are not prepared to invest in the clean technologies, the higher tax is necessary. They want to drive big gas guzzling vehicles, you're going to end up with profit first. VELSHI: No problem there. You're right on that one. That one gets us into trouble all the time. Because everybody wants some very discreet entity to blame but the reality is nobody goes and digs in a mile of water for the fun of it. They dig into it because we buy everything that they actually produce out of the ocean. DOMINICK: Tony Hayward saying he got demonized is really just offense to actual demons Ali Velshi. I agree thou with Richard. Americans need to stop buying all the bottled water and everything else that we do that contributes to our problem. We're very, very greedy. We're 25 percent of the world's population, 25 percent of the energy. That's ridiculous. VELSHI: Let's talk about be greedy, let's talk about gambling. The federal government here in the United States banned internet gambling back in 2006. Four years later, you might say one economic meltdown later; everyone can use the tax dollars that are associated with legalizing gambling. Illegalize gambling you have to collect taxes. So Congress is considering allowing and of course taxing on line poker and other non sports betting. Pete, in a financial crisis we look to tax everything and morality sometimes lose out to money. Is it a good thing? DOMINICK: I think so. I mean I don't promote gambling. I think its grotesque, especially if you're a parent. The federal government isn't there to tell you not to be foolish in the way that you spend your money. The bottom line is if you have a checking account and an internet connection, you can go online and you can bet. We might as well tax it; they say it's going to be $42 billion over ten years. That is about $4 billion; they want to put it in the education system. If my daughters get an extra teacher, an extra computer so some old lady can smoke her cigarettes, drink her free liquor and spend the last of her Social Security check on the slots or online, I'm fine with that. VELSHI: Richard, you said to get off your high horse a few minutes ago. So we're getting off our high horse. We are saying you know what if you've got to gamble, gamble just give us our cut. QUEST: Stop the hypocrisy first of all. They have Atlantic City that has Los Vegas that actually demonized those CEOs and executives from other online gambling corporations who can't even go to the United States without risking arrest. And I've met some of them, and they will tell you that. So it makes common sense. And you know something? Perhaps the amazing thing is it took a financial crisis for a bit of dose of reality. VELSHI: Very good, gentlemen. We look forward to more conversations with both of you. Richard, you're a regular. Pete, great to see you. Love the haircut. Hope to talk to both of you again soon. All right. How trustworthy is your financial adviser or broker? Protecting your money from financial con artists. You are really going to want to listen to this, stay with us. (COMMERCIAL BREAK) VELSHI: You have heard of the biggest names, Bernie Madoff, Charles Ponti (ph). But financial con artists are all around us scamming people just like you or me. Even though we may not always hear about it in the headlines. Now, Tom Ajamie is the co-author of a new book called "Financial Serial Killers: Inside the World of Wall Street, Money Hustlers, Swindlers and Con Men." Tom and I go back a long way, we have worked together for many years. I read the book before it went into print and gave him an endorsement of the book. So I just want to tell you that I read it and I know it. Tom the interesting thing is you cover everybody from Bondy (ph) to Madoff, but a whole bunch of people we've never heard of. You've even been involved in some of those cases as a securities lawyer. How common is financial swindling? TOM AJAMIE, CO-AUTHOR, "FIANCIAL SERIAL KILLERS:" Well you know, Ali, it's very common. The sad thing about is its common in relationships of trust and longstanding relationships. I think what was most interesting we found that our resources when we put the book together is how many people are swindled by investment advisers or brokers they have known for say 10 or 20 years or longer. How often are they swindled by family members and relatives even? VELSHI: All right. Let's talk about some basic things; they are similarities in many of the stories in your book. It is a good read because by reading it you'll get familiar with techniques that these con artists have in common. Who's most vulnerable? Who's most likely to get scammed by a con artist according to what you have seen? AJAMIE: Well I think generally anyone whose lost money in the last few years is extremely vulnerable. And that is a lot of people. And what we find is that when you've lost money you become a little more desperate to try to earn your money back. Especially if you are getting close to retirement or so you say, wait, I'm down 20 percent, I'm down 30 percent, what am I going to do. So you're susceptible to these scam artists and they know that and they move in on you. The second group of people that are extremely vulnerable and this is becoming more and more to light day by day as the boomers age are the people who are getting older, who are elderly. What happens is you start to lose say some of your perceptive abilities, you become lonely, and a lot of these people they live alone and they don't have family members near by. And they are extremely vulnerable to being preyed on by people who try to win over their trust. And then finally people who are going through periods of grief. We call them the bereaved. If you just had a family member who has passed away, a spouse has died. Of course you're not altogether emotionally stable because of what you've just gone through and these scam artists, they know that, and they prey on these people. VELSHI: All right. So if you know somebody who is recently bereaved or somebody who's getting older try and stay involved at least in having them talk to you about what is going on in their lives and who's trying to invest for them? Talk to me about the strategies that these con artists use to scam average people. Give me some warning signs. AJAMIE: Well the first thing is these are very false emotional bonds they'll try to create. They'll come in and they will tell you things like, hey, I've known your father for all these years or you and I go back to high school, remember when we use to do this and this? Or don't you remember when we use to sit next to each other in church. So they'll try these emotional bonds which often work and then they'll move in with promises of very good returns that say you can double your money or you might get 15 percent returned a year in a market like right now where interest rates are extremely low. That's very suspicious. VELSHI: One of the things that was interesting in your book is that people - and Madoff did this and Ponzi did this. This idea that I have a new way of investing, the old way doesn't work. Everybody else can't get you more than 10 percent in a great year on the market; I have some other way that hasn't been discovered. AJAMIE: That's the new paradigm, the new economy. And you know going back to the late 1990's and into the 2000's we heard that a lot with certain types tech stocks, remember the pet.com company and things like this. And these were sold. Investors would say, wait a second, here is a company that has not really been making money, or how can it be doing this. But the response would be, don't worry this is a new economy we are in now, this is a new theory, this is a new product. These types of things will often hook investors. VELSHI: All right. Great book worth reading "Financial Serial Killers: Inside the World of Wall Street, Money Hustlers, Swindlers and Conmen." Co-authored by my good friend Tom Ajamie. Thank you Tom. AJAMIE: Thank you Ali. VELSHI: Building up Mississippi by singing and playing the blues. We will have that story and a very surprising look at Tom Foreman. Coming up next. You do not want to miss this. (COMMERCIAL BREAK) VELSHI: First hurricane Katrina, then the recession hit, now the oil spill, the Gulf coast has taken quite a beating. But in Mississippi things are looking a little bit better thanks to the blues. CNN correspondent Tom Foreman recently visited the Delta on the CNN Express and he joins me now from Washington with his guitar. Tom. TOM FOREMAN, CNN CORRESPONDENT: It was like a pilgrimage, Ali, I have to tell you, what's happening in the northern and western part of Mississippi over in the Delta. We have all heard much about it. It is really unbelievable right now. Because they know their state is in trouble. Yet, they are having an enormous surge in building up their part of America and they are doing it by reaching back into their past. Take a look. (BEGIN VIDEO CLIP) FOREMAN (voice over): Any time, any day, you can hear blues in the Delta. This is the land of legends, muddy waters, Be Be King. And it is home to their musical heirs like Terry "Big T" Williams. TERRY "BIG T" WILLIAMS, BLUES MUSICIAN: I don't care if it is a fast play blues or a slow play blues, it is still saying something like, I'm feeling bad but life is still OK. FOREMAN: Lately, life has been more than OK here, even in the wake of the oil spill, Katrina and all the economic turmoil, because of a rising tide of blues tourism. At the Delta Blues Museum, the crowds are growing so steadily with people from every state and dozens of foreign countries, that it will soon be expanded to more than twice its size. This town alone pulled in $54 million from visitors last year, people tracings the history of blues and rock through a string of historic sites throughout the region called the Blues Trail. Kappi Allen is with the County Tourism Commission. KAPPI ALLEN, DIRECTOR OF TOURISM: This year so far we have seen an increase of 13 percent in our tourism tax numbers. FOREMAN: All of that in the middle of a recession? ALLEN: Absolutely. We are open for business. FOREMAN: Some say the surge is because the blues speak to folks in hard times. Some say because people here are doing a better job marketing their attractions. But Bill Luckett an owner of the Ground Zero Blues Club, says, whatever the cause, the results are undeniable. How important do you think that is to building up this part of America in these hard times? BILL LUCKETT, GROUND ZERO BLUES CLUB: We have lost a lot of our factories, a lot of our base manufacturing wise. Blues music and tourism and interest in blues music is replacing that as an industry. FOREMAN: According to Lore, the great blues man, Robert Johnson, met the devil at this crossroads and traded his soul for the gift of music. That's just a legend but this is a fact. (UNIDENTIFIED MALE): The tourist attraction used to be seasonal. Now, it is year-round. FOREMAN: In the wake of so many problems for many folks, that feels heaven sent. (END VIDEO CLIP) FOREMAN: You know they know that the southern part of their state is hurting right now, Ali. They also know that the coast has given so much to the whole state. They really feel this is a time for them to give back, by being strong and building up while the coast tries to recover from all those problems you named earlier, Ali. VELSHI: Tom, given your affinity to music, you could probably sniff out the blues in Mississippi. But for the rest of us, how far reaching into the Delta is blues? How prevalent is that? FOREMAN: A lot of counties up in that area. You can get some of it all over Mississippi and frankly all over the south. Particularly in the heart of it, up around Clarksdale and that area, up around Tupelo and areas like that, there are many, many hard-core places. But importantly Ali, one of the things that they have done is made this a regional initiative. They have partnered with Memphis for example, for all the people who go to Memphis to see what's going on with Graceland and all that, they hear about the Delta. They are told go on down, check this out. So many people make it a whole trip; they will go from Memphis down to the Delta and down to the coast, down to New Orleans. Lots and lots of Europeans are making that trip. They are hoping that a lot of Americans will start doing it too. VELSHI: I love these trips that you do on the CNN Express. When you find out what people are doing it is not just the same old, same old moaning and complaining. You are actually finding solutions. Listen this is the tough part of my show, I have to say good bye. Normally, we play YOUR MONEY jingle. Why don't you play us out while I say good- bye to my audience? FOREMAN: I will do the best I can. Ali. VELSHI: All right. Tom Foreman thanks a million. That wraps it up for this show. What a great way to end it. You can join our running conversation on facebook at twitter at Alivelshi and at Christineromans. Make sure you join us every week for YOUR MONEY, Saturday's at 1:00 pm, and Sunday's at 3:00. Log on 24/7 to CNNMONEY.com. Have yourselves a great weekend!


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Light the Night: Outdoor Lawn & Garden Lighting
One of the best parts of summer is being able to sit outside and enjoy all the hard work you put into your yard and garden. With some outdoor garden lighting, you don't have to go inside once the sun goes down. Here are some unique outdoor garden lighting options to help brighten up your backyard:
- Glow in the dark paint. You can find this type of product at most stores with a wide selection of paints. Just paint your pots and let them dry. The paint soaks up the sun during the day and glows bright at night, showing off your plants. You can also paint rocks and use them as a lighted pathway.
- Solar lights. Solar lights are an easy way to add some light to your yard. They come in all shapes and sizes, and don't require any wiring. Just stick them in a bright spot of your yard and watch them shine at night.
- Strand lights. Traditional strand lights aren't just for Christmas trees anymore. These lights work well on odd-shaped things like trees or other plants by outlining their unique silhouette.
- Rope lights. These are similar to strand lights, though they can be placed behind objects like planters and short barriers to provide a nice glow.
- Spotlights. There's no better way to show off the most beautiful place in your yard than a spotlight.
- Motion-sensing lights. You can save energy by using lights that only turn on when someone (or something) walks by. These are especially useful if you often walk outside in the dark to take pets out or gather wood for your fireplace.
- Candles. Though an open flame can be dangerous when used outdoors, candles provide an excellent ambiance when controlled. Be sure to put out any flames before leaving the area.

subset: commoncrawl


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Main Menu
SB2003 Disaster relief; establish the Hurricane Katrina Robertson * % Disaster Small Business Bridge Loan Program. 10/07 (S) Died In Conference SB2004 Income and withholding tax; revise types of tax returns Robertson * for which the Chairman of the State Tax Commission may grant extensions. 10/07 (H) Died In Committee SB2005 Income tax; exempt from taxation certain amounts Robertson * % received as qualified disaster relief payments. 10/07 (H) Died In Committee SB2007 Motor vehicle license tags; authorize tax collector to Robertson * % waive fees and penalties if delay in issuing or obtaining due to disaster. 10/07 (H) Died In Committee SB2009 Local governments; may remove from usual location in an Ross emergency. 10/06 Approved by Governor SB2012 School district accreditation standards; exempted for Chaney * % any district with extreme hardship caused by Hurricane Katrina. 10/06 Approved by Governor SB2013 State Superintendent of Public Education; authorize to Chaney * appoint a financial advisor in school districts. 10/06 Approved by Governor SB2014 Tax anticipation notes issued by certain school Robertson * % districts; increase repayment term. 10/25 Approved by Governor SB2015 Cities and counties; authorize to donate funds, labor Robertson * and supplies to assist disaster areas. 10/07 (H) Died In Committee SB2017 Property insurance on public facilities and equipment; Gordon * % authorize public entities to purchase to comply with F.E.M.A. reimbursement. 10/07 (H) Died In Committee SB2021 Statutes of limitations; alternate extension for Ross * certain causes in certain counties. 10/07 (S) Died On Calendar SB2022 School districts/other political subdivisions may Chaney * % increase term limits/repayment options on certain short term notes; authorize. 10/07 (S) Died In Conference SC 501 Extend sympathy and prayers to people and communities Little affected by the Hurricane Katrina disaster. 09/30 (H) Enrolled Bill Signed SC 502 Commend the life of Iraq casualty Marine Corporal Browning Clifton Mounce. 09/30 (H) Enrolled Bill Signed SC 503 Study Committee on a Statewide Building Code; create. Chaney 10/07 (S) Died In Committee SC 504 Urge Congress to provide financial assistance to public Chaney school districts affected by Hurricane Katrina. 09/30 (H) Enrolled Bill Signed SC 506 Commend military and law enforcement units of Robertson Mississippi and other states for exemplary emergency service on Gulf Coast. 10/05 (H) Enrolled Bill Signed SC 508 Mississippi State Guard Corporal Vincent B. Kennedy, Carmichael Magnolia Cross Medal recipient. 10/07 (H) Enrolled Bill Signed SC 509 Commend the life of the Honorable Stephen Kirchmayr and Gordon express the sympathy of the Legislature. 10/07 (H) Enrolled Bill Signed SR 1 Commend the life of Iraq casualty Marine Corporal Browning Clifton Mounce. 09/29 (S) Immediate Release SR 2 Mississippi State Guard Corporal Vincent B. Kennedy, Carmichael Magnolia Cross Medal recipient. 10/05 (S) Immediate Release SR 3 Commend the life of Steve Kirchmayr. Gordon 10/06 (S) Immediate Release
|* = Amended
|% = 3/5ths Vote Required
|V = Vetoed
|$ = Revenue
|@ = Exempted From Deadline
|P = Partially Vetoed
End Of Document


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Tuesday Night Track Workout
Nov 7, 2017 @ 5:45 pm - 7:15 pm PST
An event every week that begins at 5:45pm on Tuesday, repeating until Mar 6, 2018
Come out and enjoy one of the best workouts Triathlon Club of San Diego offers!
The club has negotiated a rental agreement with UCSD to use their worldclass track facilities which has been newly renovated.
Our Track Workouts are open to athletes of all abilities, from beginner to elite; we break the workout into groups based on running speed and experience. The workout is geared for the busy triathlete that is fitting this session into a busy training week of swim, bike, & run training. We cover skills and drills, speed work, strength work, and anaerobic training.
Join coaches Bill Gleason and Mark Alfaro for a triathlon specific track workout including drills, speed intervals and core strength. All skill levels welcome. Park for free along Torrey Pines Scenic Drive for about a 1/2 mile warm-up walk.
This will be an ongoing workout scheduled for Tuesday's at 6pm. Join our Tuesday Night Track Facebook Group for the latest updates and workout details!
- 5:45pm Warm up
- 6:00pm Workout starts
- 7:15pm Workout ends
What: Tuesday night track workout
Where: UCSD track, northwest corner of campus
Parking: On campus, pay at kiosk, or free at Glider Port
Cost: Free!
Intensity: Hard
Beginner friendly: Yes
See you there!
Bill Gleason, CSCS USAT Level II Coach
For Q's please see Gleasoncoaching.com or email email@example.com


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Recently, I had the opportunity to talk with a group of journalists from Pakistan.
In the United States on a tour of various media, the group stopped in Shepherdsville to find out how a community newspaper covered the news.
They came from the world of big and small papers, television stations and wire services.
With the assistance of interpretors, they got to ask the questions. I got to give a few answers.
Getting to the bottom of waste spending is great.
That's what people love to see.
Taxpayers want to know that their money is being spent properly.
However, there should be a right way to go about doing it. We already know the wrong way.
The recent battle between fiscal court and the jailer is a prime example of not doing it right.
We have no problem with trying to figure out if there is wasteful spending.
We have concern if there are too many hours spent on overtime.
We have an opportunity today to bring The Pioneer News into the homes of each student in the Bullitt County Public School System.
We thank superintendent Keith Davis for that opportunity.
You will notice a larger than normal number of school-related stories and pictures.
With nearly two dozen public school facilities, the opportunity is endless when thinking about activities which are going on.
I thought I would take a little space today and talk about two things - the school system and The Pioneer News.
I guess we've always had certain buzz words that meant something.
As my age advances, I would rather think in the present.
Maybe it is the age of texting where short messages like OMG or BTW have taken the art out of complete sentences.
My newest word that just sends shivers down my spine is REALLY.
It all depends on how you use the word, I guess.
REALLY? That is that questioning by the other party into something you have said or done.
REALLY! That is that sense of excitement over an action.
Torris Little loved life.
After over two decades of recording the sights and sounds and motions of Bullitt Fiscal Court members, Donna Ploetner can sit back and relax.
SHEPHERDSVILLE – Without a doubt, this past school year produced a record number of local athletes signing to play college sports starting in the fall.
How do I know it is a record number? Because we're almost to the middle of July and I am still running the stories here in The Pioneer News and have been pretty much for the past six weeks or since the end of the baseball and softball season. At one point in early June, I had a list of 15 signing stories that had been collected and not yet put in the paper.
Black and white. Vertical and horizontal. Republican and Democrat. Girls and boys. Progress and regression. Teamwork and individualism. Success and failure.
I blame my interest in journalism on one thing, "All the President's Men." Robert Redford and Dustin Hoffman are the leads in the movie. They star as Bob Woodward and Carl Bernstein respectively, The Washington Post reporting duo that uncovered the Watergate Scandal, and as a result, made journalism history.During my freshman year Introduction to Journalism class at Bullitt East High School, we watched the movie and I remember being fascinated by the work Woodward and Bernstein did.
Compiled by Charles Hartley
In this column we will look back 15, 30, 60, and 90 years to capture glimpses of what was happening in Bullitt County in each of these years. Today we will focus on the month of May.
1998 - 15 Years Ago.
Forest Ranger Sammy Allen, an '81 Bullitt Central graduate, was honored with an "outstanding employee award" by the Kentucky Natural Resources and Environmental Protection Cabinet after his first year on the job.
Copyright © 2019
The Pioneer News Online is your source for local news, sports, events and information in Bullitt County and Shepherdsville, KY, and the surrounding area.


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Sugar Cookie Recipe for High Altitude Baking
Tis the season to bake our hearts out! And, who doesn't love a fresh and warm sugar cookie? Baking in our home-state, Colorado, can be tricky sometimes with our high altitude ...Read More
Do you have questions about this product?
Get answers from real customers and in-house experts with AnswerBox.
Q:What is size of brush head?
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1 answer
A:These brushes range from 1/2 - 3 inches. This one is a 2inch brush.
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- Description
The Arlington, a stately traditional cabinet, features panel and frame doors, raised moulding drawer trim, bowed front , and fluted pilasters supported by rounded bun feet. Kaco products feature a Sherwin Williams water resistant furniture grade finish and a complete package of complimenting products for the bath. Stately panel and frame door, attractive bowed front and fluted pilasters. Attractive solid hardwood back bun feet are offset to allow space for base board trim, no cutting of base board is needed.
- MODEL: 5300-2450-1005Vessel
- Solid Hardwood Construction and removeable finished plywood back.
- Self contained leveling device installed in the vanity feet for ease in leveling the cabinet on uneven floors.
- Petite Vanity is excellent for small baths.
- Products carefully packed for safe shipping.
- Matching mirror and linen cabinet available.
- Overall Dimensions 35" H, 22.5" W, 24" Depth.
- Multi-step furniture quality, water resistent Sherwin Williams Finish.
- Vessel sink and matching granite top.
- Vanity is factory pre-assembled
- Warranty : One year limited warranty
Also Available In These Variations
Countertop: Black Granite SKU: 5300-2450-1005VesselAB UPC: 709870640360
Countertop: Gold Hill Granite SKU: 5300-2450-1005VesselGH UPC: 709870640407
- Product Q&A
- Reviews
- About Kaco
About the Company – Kaco
Kaco International is one of the leading manufacturers of the finest quality kitchen islands and furniture vanities. In business since 2003, Kaco has established itself as a world-class brand known for building first-rate furniture that not only looks magnificent but is just as durable. A North Carolina Company, Kaco International was founded by people who have been in the furniture industry for more than 30 years. With their collective experience and Kaco's zeal to innovate and create beautifully designed furniture, you get a brand that gives you amazing furniture that will add beauty to any room.
When its about well-designed furniture, it is not only the structure or the wood used that matters, but also what finish is used to give the final touches. Kaco uses the world-renowned Sherwin Williams multi-step finish that adds a graceful charm to each furniture piece built along. The finish also makes it extra durable.
At Blue Bath, we are always striving to bring the best of brands and products to our customers to ensure their 100% satisfaction. Kaco International is known for their commitment to customer satisfaction and their high-quality products are a testament to that. Choose from a wide range of Kaco International products at BlueBath.com.
Products Offered at Blue Bath
Blue Bath offers a vast selection of Kaco Kitchen Islands, furniture and traditional to modern bathroom vanities.
Kaco International Inc. offers a one year limited warranty to it's authorized dealers for workmanship and materials. If a Kaco product is found to be defective and reported within 12 months of the original invoice date, Kaco will supply parts, replace, and/or credit the authorized dealer. Any defective claim filed after the 12 month warranty time period, Kaco has the right in it's sole discretion to repair, credit, or deny the claim. Repaired or replaced products will hold a 90 day warranty from the date received following the same terms set forth herein.
This warranty does not cover defects resulting from accidents, damage in transit, alterations, unauthorized repairs,failure to follow instructions, misuse, excessive moisture, fire, flood or acts of God. Implied warranties are strictly limited to one year from the date of invoice. Kaco specifically disclaims and will not pay for any consequential or incidental damages and such are not covered in the warranty. Specifically including any loss of time, inconvenience, loss of use of the product, loss of any profit, or any property damage or injury caused by the product. This warranty is the exclusive warranty for Kaco International Inc. products and there are no other expressed or implied warranties. This warranty is made and extended to the authorized dealers of Kaco International Inc. Only.
|Item Weight
|Ship Weight
|Ship State
|Ship Zip
|22 1/2
|Installation Type
|Floor Mount
|Number of Basins
|Number of Shelves
|Number of Drawers
|Number of Doors
|Includes Sink?
|Includes Faucet?
|Includes Mirror?
|Distressed Cherry
- Ships on a pallet via Freight LTL carrier


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International News
Northern Ireland: Gay Blood Ban Debated in High Court
April 19, 2013
Adapted from:
Northern Ireland's High Court is considering whether to maintain Northern Ireland's current policy stipulating a lifetime ban on blood donation for gay men or to align with the policy of England, Scotland, and Wales. Since 2011, these United Kingdom countries have allowed men who have sex with men to donate blood only after they have abstained from sex for one year. Health Minister Edwin Poots stated that he wants to preserve Northern Ireland's lifetime ban to prevent the spread of STDs, not because he is a born-again Christian who objects to same-sex relationships.
Pink News
04.17.2013; Scott Roberts
This article was provided by CDC National Prevention Information Network. It is a part of the publication CDC HIV/Hepatitis/STD/TB Prevention News Update.
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Reducing Your Risk of Heart Attack
by Debra Wood, RN
There are a variety of issues that can increase the risk of having a heart attack. Fortunately, many of the risk factors can be avoided or managed. The more factors you control, the more you reduce your risk of a heart attack.
Reach and Maintain a Healthy Weight
If you are overweight or obese, talk to your doctor about a plan to lose weight. Adopt a sensible eating plan and exercise regularly. Plan to lose weight gradually to help you maintain your weight at the desired level. Consider consulting with a dietitian, who can help you with meal planning and portion sizes.
Quit Smoking
Chemicals in tobacco smoke contribute to the buildup of plaque in the arteries, increasing your risk of atherosclerosis. Over time, the buildup can affect the heart muscle's ability to get sufficient oxygen, which may result in a heart attack.
Quitting smoking is the best way to put yourself on the right track. Talk with your doctor about tools and programs to help you quit. Secondhand smoke can be damaging as well, so try to avoid that when possible.
Drink Alcohol in Moderation
Excess alcohol intake is associated with an increased risk of heart arrhythmias, which can lead to a heart attack. If you drink alcohol, aim for moderations. Moderate alcohol intake, means 2 drinks or less per day for men, and 1 drink or less per day for women. Some studies have suggested that moderate alcohol consumption be beneficial. If you do drink alcohol, talk with your doctor to determine how much is healthy for you.
Eat a Healthful Diet
Your diet can have a significant impact on your "bad" and "good" cholesterol levels. Managing your cholesterol levels with a well-balanced diet can reduce your risk for a heart attack by reducing the amount of plaque buildup.
A well-balanced diet includes plenty of whole grains, fruits and vegetables, and nuts. Consider substituting good fats for bad fats. This means eating more mono- or polyunsaturated fats like olive and canola oil, and less saturated and trans fats, which can raise your bad cholesterol levels.
The American Heart Association (AHA) also recommends that you add fish, which contains omega-3 fatty acids, to your diet at least twice per week. Talk to your doctor about whether you should take omega-3 supplements.
Exercise Regularly
Regular aerobic exercise, such as brisk walking, using a stationary bike, or treadmill, can help reduce the risk of heart attack by reducing your risk of developing cardiovascular disease. Regular exercise will help strengthen the heart muscle, decrease the heart's workload, and lower blood pressure. In general, aim for at least 30 minutes of exercise per day on most days of the week. If you have a sedentary job, it may be beneficial to aim for 60 minutes of exercise a day. Talk to your doctor before starting any exercise program.
Daily Aspirin
Ask your doctor whether taking a daily aspirin is right for you. If you are at high risk of heart attack, aspirin may prevent one. Since aspirin therapy is not without risk, be sure to consult with your doctor before taking an aspirin a day.
Manage Other Health Conditions
Certain medical conditions are associated with an increased risk of cardiovascular disease or heart attack. While not all risk can be eliminated, carefully managing these conditions can greatly decrease the risk of heart problems.
High blood glucose levels can increase your risk for a heart attack by causing damage to smaller blood vessels and contributing to plaque buildup on blood vessels walls. Managing blood glucose levels may delay cardiovascular problems that contribute to heart attacks. If you have diabetes, work with your doctor to develop a plan to manage your blood glucose levels.
High Blood Pressure
If you are being treated for high blood pressure, adhere to the treatment plan outlined by your doctor. Monitor your blood pressure regularly. Talk to your doctor about checking your blood pressure at home.
Dietary changes, regular exercise, and medications can help you control your blood pressure. The DASH diet is a plan designed to help reduce blood pressure.
Obstructive Sleep Apnea
Obstructive sleep apnea (OSA) is characterized by repeated episodes of complete or partial airway obstruction during sleep. The disorder is associated with disrupted sleep patterns and decreased oxygen supply. OSA has been linked to several cardiovascular disorders, as well as early death. Complications of OSA include high blood pressure, heart failure, diabetes, stroke, and heart attack. Work with your doctor to decrease the incidence or severity of your sleep apnea. This may include using a continuous positive airway pressure (CPAP) machine or surgery.
Cardiovascular disease prevention overview. EBSCO DynaMed Plus website. Available at: http://www.dynamed.... Updated September 5, 2016. Accessed March 2, 2017.
Fish and omega-3 fatty acids. American Heart Association website. Available at:
...(Click grey area to select URL)
Updated October 6, 2016. Accessed March 2, 2017.
Hypertension alternative treatments. EBSCO DynaMed Plus website. Available at: http://www.dynamed.... Updated June 1, 2016. Accessed March 2, 2017.
Knapp HR, FitzGerald GA. The antihypertensive effects of fish oil: a controlled study of polyunsaturated fatty acid supplements in essential hypertension. N Engl J Med. 1989(16);320:1037-1043.
ST-elevation myocardial infarction (STEMI). EBSCO DynaMed Plus website. Available at: http://www.dynamed.... Updated January 30, 2017. Accessed March 2, 2017.
Siscovick DS, Raghunathan TE, King I, et al. Dietary intake and cell membrane levels of long-chain n-3 polyunsaturated fatty acids and the risk of primary cardiac arrest. JAMA. 1995;274(17):1363-1367.
Goldenberg I, Jonas M, Tenenbaum A, et al. Current smoking, smoking cessation, and the risk of sudden cardiac death in patients with coronary artery disease. Arch Intern Med. 2003;163(19):2301-2305.
1/31/2011 DynaMed Plus Systematic Literature Surveillance http://www.dynamed...: Galan P, Kesse-Guyot E, Czernichow S, et al. Effects of B vitamins and omega 3 fatty acids on cardiovascular diseases: a randomised placebo controlled trial. BMJ. 2010;341:c6273.
12/9/2013 DynaMed Plus Systematic Literature Surveillance http://www.dynamed.... Bao Y, Han J, Hu FB, et al. Association of nut consumption with total and cause-specific mortality. N Engl J Med. 2013;369(21):2001-2011.
12/15/2016 DynaMed Plus Systematic Literature Surveillance http://www.dynamed.... Ekelund U, Steene-Johannessen J, Brown WJ. Does physical activity attenuate, or even eliminate, the detrimental association of sitting time with mortality? A harmonised meta-analysis of data from more than 1 million men and women. Lancet 2016;388(10051):1302-1310.
Last reviewed March 2017 by Michael J. Fucci, DO, FACC
Last Updated: 12/15/2016
EBSCO Information Services is fully accredited by URAC. URAC is an independent, nonprofit health care accrediting organization dedicated to promoting health care quality through accreditation, certification and commendation.
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Redhat 9 installation guide / tutorial / how to step by step
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Tutorial : Redhat 9 Intallation step by step Tutorial / How to
Distro specific : Redhat 9 ( also works for 7.1-8 )
Skill level: Newbie
Time for procedure : Depends upon machine and user.
Prerequestic: Should know what is operationg system. Basic knowledge of computing. Redhat 9 installation Cds. A latest computer with atleast 128 MB RAM (256 MB Recommended) CDROM drive and more than 400 MHZ of CPU power.
Author's Note:
Again.. After lots of question about installing of Redhat 9 I decided to write this step by step tutorial / how to. I feel little late as Fedora core 1 is officially launched but still I found people asking question about how to install Linux Redhat 9. I have decided to write this ask people hesitate to install linux for first time because they are not sure whether it is safe for their current OS data ( M$ windoz or any other OS ) So before discussing how to install , step by step method I like to give some introduction about dual boot concept.
What is Dual booting
: When we say dual booting we mean having more than once OS on same machine. Only one Operating System can run at once. It makes you feel like you are having two or more differnet system as you differnet OS. We can have more than two operating system on a machine, ie. you can have 3 or 4 OS on same machine. When we make a dual booting usually (if not chosen to boot from cd or floppy) we get the choice on startup that which OS you want to boot to ( start ). It is handled by a bootloader which take care after your choice to load which OS. Linux bootloader ( GRUB , Lilo ) has ability to boot Linux as well as all other known available operating system. Although you can use Windows bootloader also ( see
Booting Linux from Windows bootloader
) but that is little advance.
Common Questions about dual boot
a. Can I access windows partition from Linux , vice-versa.?
Ans : Yes you can access windows partition from Linux, Infact already answered several times (Use search feature at LinuxSolved.com to find your answer). But to access linux partition from windows you will need some software like explorer2fs used to access linux from windows.
b. Do it ( Linux Installation ) will cause data loss ?
Ans : If you follow this tutorial correctly then there will be no loss.
c. Can I have triple boot ?
Ans : yes you can have.
d. What about partition ?
Ans : See
Preparation & Requirements and also step No. 10 & 11.
e. My question is not answered here..!!
Ans : Nor it will be. Ask it in right place ( ie. at right forum in LinuxSolved.com ) to get detailed answer.
Preparation & Requirements
I suggest you to have atleast 6 GB of free space or a empty 6 GB of partition. You can actually install RH on less than 1 GB of space when only server is chosen. If you are using MS windows 98, XP, 2000, ME and have a partition which is around 6 GB then all you need is to empty that partition by moving its data to ( if data is important ) other drive or else leave it as it is if data is not important ( not to be preserved ). Although you can choose any of the windows partition to install linux ( that partition will be not available for windows) ie. D:, E:, F: but I suggest you to choose the last ( here F: ) for easier and hassle free install. In the case you don't have separate partition ie. on big partition then I suggest you to use utitlity like partition magic to resize your current partition and then create New partition for Linux.(If you are planning to install linux on separate hard drive then no need to read about partitions. Also keep a floopy disk handy in the case if it is required.
Installation Step by Step
1. Get Linux CDS. ( here we assume that you have proper bootable Redhat 9 cds with you or you have downloaded images and then burnt into cdroms )
2. Now make sure that your computer is set to boot from CDROM ( It is done through BIOS ). Insert your Redhat 9 CD-1 and boot off of your computer from it.
3. Now it will show screen showing few options.. ( Redhat Linux 9 ) and a RED HAT of course
Press Enter to through graphical installtion ( We are not using text installation here ). It will now ask various things which will be described in separate steps further.
4. In this step it will ask you to have a Media check to make sure that medium of your installation is safe ( I suggest to do media check ). To test CDs navigate using tab and select "OK" by pressing Enter then it will show a screen asking you to start test using "TEST" button or change cd using "EJECT CD" Button. So test the current cd press "TEST" and to test another select "EJECT CD" then change cd and put another cd to check. The checking process is little longer takes around 5 minz to 15 minz , if you cds are fine then it will show test results as "PASS" and you can continue other wise "FAILED" you can continue but you should never continue b'coz it wil cause trouble later in installtion. Try to clean you cd in the case of "FAILED" and do the test again, if again failed then don't install , get another media (New CDs). If result is "PASS" then select "CONTINUE" to install the Linux.
Welcome Note
: After this it will load the Redhat Graphical installer. ( may take few minutes to load ) then i will show a "Welcome Screen". It has basically 2 parts a. Left : Showing online help, b. Middle+Right part: The actually action place. Now press "Next" to continue either by mouse or using Tab + enter for navigation from keyboard.
Language Selection
: In this step it will ask you for the your preffered language ( Mostly english ) So select your language and press "NEXT" to move to next part.
Keyboard Configuration
: Here it ask that which type of keyboard you use (Mostly U.S. English) then press "NEXT" to move to next step.
Mouse Configuration
: This step is to configure your mouse. Most of the time it automatically detects the right mouse but if it has not just see if your mouse manufacturer name is there if yest then select appropriate model by expending the list and you are unable to find manufacturer or model then from generic select the the mouse which suits you mouse best.If you have serial mouse then select your devive to which it is connected. (/dev/ttyS0 if COM port 1 of windows, ttyS1 if COM port 2 of windows and so on). If you have 2 button mouse then select Emulate 3 buttons option which will make your mouse three button when you press your both button at same time . Now press "NEXT" to continue.
Installation Type
: In this step first it will search for previous linux (Redhat Linux )installation. If you have one then it will ask you either upgrade or fresh install. BTW.. this tutorial is for fresh install becaue you are installing for first time. Now after searching when it don't find any previous installtion then it will show you 4 choices all consist of differnet sets of package of software as the name of choice suggest (Also well describe there)
a. Personal Desktop
b. Workstation
c. Server
d. Custom
Choose the type of installation you want and then press "NEXT" (type of installation you need depends upon your requirements I choose "PERSONAL DESKTOP")
Disk Partitioning Setup
: Here it will ask that Do you need manul or automatic partition to be done. Select "Automatically Partition" for automatic partition or Select "Manually Parition with Disk Druid" for manual partition. Now here becuase it will get bigger and complicated so I suggest you to choose "Mannually partition usin Disk druid" b'coz it will be easier in all the cases. Now press "NEXT" to move to next step.
: It is the most important step for Newbies. Be careful and read every thing with patience. Go for either part a. or part b. as per your conditions.
Now you are with a graphical utility which shows all the current partition on your hardisk or hardisks ( if you have more than one hd). Please don't bother for LVM and RAID thing over here those are advance stuff.
Installing on separate physical drive
If you are installtion Linux on second hardrive (primary slave) then it is called hdb in linux and first primary master is called hda so others are call hdc, hdd. Say you are installing on drive hdb then select it.Now press "NEW" from Menu bar above the table. It will show a dialog box with lots of option, just select mount point and give size then press Ok.So Creat a partition with mount ponit "/boot" around 100 mb press "OK" if it shows any error then just Press "CONTINUE", create root parition with mount point "/" of atleast 6 GB as suggested. Make a Swap partition of around 300-500 MB ( I suggest 300 MB) by choosing file system type as SWAP then mount point will not be required. Also you can creat other partition like "/home" whose size depends on the No. of users who are going to use the computer. Bigger size more flexibility. Press "NEXT" to continue.
Installing on Differnet partition same drive
: When you are going to install Linux on differnet partition on same drive then follow the following steps. ( You should have either free space around 6 GB or a parition of 6 GB or more). I assume that you have 10 GB of Windows partition (FAT32) which was the drive F: under windows.
NOTE: Partitions in linux are devoted by hda1 , hda2 ie. hda1 means fist drive's first partition , hda2 means first drive's second partition, hdb1 means second drive's first partition.
Now locate your windows partition or free space you want to use for linux. To do so I have windows Last parition for LInux ie. F: so i looked for the last partition in the table which I found to be hda7. (If you choose a partition which is not last then find it by its size. And if all your parition are of same size the always choose last parition to install linux.) Now I found hda7 for linux then select and press "DELETE" in the Menu to delete that now it will become free space. ( If you have free space already then you should start partitioning from here ) . Now press "NEW" from Menu bar above the table. It will show a dialog box with lots of option, just select mount point and give size then press "OK" you can also change file system but just keep it "ext3" only. So we are now going to create only 4 partitions.. root ("/") 6 GB (6144 MB), boot ("/boot") 75 MB, ("/home") 3759 MB and SWAP (300 MB). To do so just press "NEW" select size and "OK". Make a Swap partition of around 300-500 MB ( I suggest 300 MB) by choosing file system type as SWAP then mount point will not be required. You can also make different partition table but I have suggested above for ease of understanding. Now when you have done your partion make sure who have done work over right partition becuase after this step you can't undo that. Now press "NEXT" to continue.
Boot Loader Configuration
This is another important step in our installation. Mostly you don't need to do anything here just press "Enter" and continue as it alwasy detect your windows. But for the sake of this tutorial I will describe this a little more.
This section first allow you to choose bootloader to be GRUB or Lilo. I chose Grub over here. Next option shows that how many OS it will boot to ( here two as Winows and LInux). You can also set that which OS should boot by defualt ( automatically without your intervention ) by giving tick on the box in front of the OS name. You can also change the Display name of the OS over here by selection and the pressing "EDIT". Also you can set bootloader password ( not necessary ).
Here make sure your boot loader is getting installed on "/dev/hda" because we are going to use linux bootloader as the default bootloader. Now press "Next" to move to Network configuration.
In the case you want to do advance stuff ( Like requried by our tutorial about
Starting Linux from widnows bootloader
) then select "configure advance bootloader option" and Press "NEXT" then it will show advance option like want to install bootloader on /dev/hda or first sector of linux root partition (here /dev/hda7) then press "NEXT" to move to network configuration.
Network Configuration
: This is important for network users, people on LAN etc. But also eqully important for general user. It shows you fisrt option with List of all network devices in your comptuer. I have a Single LAN card as eth0 (if more than one lan card then eth0, eth1, eth2 and so on.) which will be need to configure via DHCP. So I chose to configure via DHCP . In the case if you want your machine as server or it is connected to a LAN or ISP which needs static ip address then you have to select your network device and then press "EDIT" to set its option ie.. configure via dhcp or static IP address then PREss "OK" to close the dialog box. Now other option is to set HOstname of your computer. Again if you are on DHCP then just slect Automatically via DHCP otherwise give yourself like " MYcompuer.mlocaldomain.local". Under Miscelleneous Section if you are on DHCP then dont' touch but if you need to connect to a ISP providing static IP Connection then you have to give all details provided by your ISP or your LAN admin. If not sure leave them can be configured after installtion. Now Press "NEXT" to move further.
Firewall Configuration
Her you can choose what level of security you need. High , medium or Nothing. Medium is good. secondly chose the device which is local net etc. ie. if you are on LAN and your lan device is eth0 then eth0 is trusted device. Thirdly choose incoming request you want to allow ie. if you want to run a webserver then you should tick the www (http) to allow incoming and then same for other options.Lastly if you run special services which needs specific porst then you have to give its port No. in other porst section. Now press "NEXT" to continue.
Additional Language Support
: If you want to install additional language other than what we choose in begining you can select here. If you chose three languages in total then you have to define that what will the default for your system. This section is quite simple so press "NEXT" when you get it configured.
Time Zone Selection
: Just select the time zone in which your region falls by moving mouse over the Map and make that it has selected the right one by checking the list below the map . Now press "NEXT" to another step.
Set Root Password
: This option is important. It ask you to set up your root password which will be required to do system maintainance, installation as well as to log first time. After setting the password press "NEXT"
Package Default options
: Here depending upon what installation you chose it will show you little details with two option a. Accept the current package List , b. customize the set of packages to be installed. If you choose a. it will on pressing "NEXT" will tell you that now it is ready to install then again pressing the "NEXT" will begin the actuall copying (installtion). IF you chose b. then after pressing "NEXT" you will be give opportunity to select individually what software (packages) you want. Just give this place a good time and explore all the packages if it is your first time and then decide which you want to evalutate, select those. It will also display the size of install on the lower right corner as No. of package you add or remove. If you choose "Select Indiavidual packages" then you will further get a choice to select at more deep level the package you want then PRess "NEXT" and it will tell you that it is ready to install , onl pressing "NEXT" again it will start actuall installtion (Copying).
19. Now you will see the Progress installtion. It will take some time. In between it might ask you to provide cd 2 and then cd 3 just put the cds in drive and then press OK.
Boot Floppy Creation
Now your Installation is almost over, It will now ask you to create boot floppy, You should create floopy for the case if anything goes wrong.. just put in the floppy and press "Creat boot disk" ! If every thing goes fine then after making boot floppy remove it. Now press "NEXT"
Graphical Interface (X) Configuration
: Here we will configure the Video card of our system. It shows the list of various cards manufacturer.It mostly autoprobes.. ie. automatically find the right driver for your card , if not so then just find out your card manufacturer and the card model from the list. Then select how much video RAM your card have llike 8 MB, 16 MB,32 or so on. If your card is not listed in the list then you have rather bad time. Try to select a card which matches your chipset or either find driver for your card and then configure that after installation. But best is if you don't find your card manufacturer then set it to generic or default.
Monitor Configuration
: It shows list of monitors.. If your monitor is probed right. ie. it shows the right make and model for your monitor the press "NEXT". If it is unable to probe write make then search it is in list. If it is there then OK. otherwise found Manul for your monitor and enter the currect Horizontal Sync and Vertical Sync rate. If you are not sure about it then just press "Restore Original Values". Now press "NEXT".
Customize Graphic Configuration
Here we will set resolution, login mode etc. Here it will ask you the color depth. leave it as it is unless you want it change, also don't change resolution. Now it will ask you that what type of login you want -- Text or Graphical ? In text it will lead you to command line on startup then you have to give username and password then if you want you can start X systm by typing "startx". It is recommonded here to use graphical login (like windows). Press "NEXT"
24. Ah. Now the Installation is fully complete. It will now ask you to prepare for boot and will remove installation media ie CD, so take out cd from cd drive and reboot. It will now show Choices of the OS to be loaded .. If you choose Linux it will start Linux and if you choose windows it will start windows.
Lastly if you don't know now what to do with Redhat after installation .. then just explore it and try to do your daily routine work with then you will get the Power of Linux .. And if get stuck anywhere ask at LinuxSolved.com Forums..
Linux Noob !
Posts: 6
9 out of 10
Reply #1 on:
July 20, 2004, 08:27:27 AM »
i give this post a 9 out of 10... helped me a lot... thank you very much...
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That just might be one for Guinness.
It happened on Monday in Portugal at Europe's marquee big-wave spot, Nazare. A nut named Carlos Burle was towed into this heaving 100-ft (give or take) monster shortly after he had to save his buddy and fellow Brazilian surfer Maya Gabeira.
She snapped her ankle and was floating face down before being rescued. She's apparently fine, recovering in the hospital, according to Surfer Today.
As for Burle, he's still basking in the glory of perhaps unseating Garrett McNamara from the biggest-wave throne. McNamara, credited for bringing Nazare into the broader spotlight, earned that distinction with another huge wave at the same spot.
"Whatever the case or the size, I am just very lucky, I'm happy to have been in the spot at the time," he told Stab in an interview. "I'm not going to change, man. I'm just going to carry on with my life and do the things that make me happy."
Shortly after his ride, the Portuguese Navy told the surfers it was too dangerous and to clear out, per Surfline, which caught some of the epic action.
— Shawn Langlois
— Follow @slangwise on Twitter


text:
Please install the latest Adobe Flash Player Plugin to watch this content.
BEE CAVE, Texas (KXAN) — A well-known real estate developer in the Austin area is accused of exposing himself to a 7-year-old girl.
Multi Insulated Moc B Gelb Bogs Toddler Grey Kids' Dark Waterproof Winter Boot Christopher F. Milam, 57, faces a charge of indecency with a child, according to an affidavit. It's a third-degree felony offense.
The girl told police Milam exposed himself to her twice. "The first time that Milam showed his 'privates' to her was when Milam removed his robe while helping her build a play fort in her bedroom," according to the affidavit. Milam allegedly told the girl he removed it "because he felt hot," and that he later told her to keep it a secret.
Waterproof Gelb Multi Grey B Kids' Moc Boot Bogs Winter Toddler Dark Insulated The victim told police the second time, she asked Milam for help opening a toy package when she saw his penis poking out from his pants zipper. She said he was "moving it and rubbing it," according to the affidavit, and also asked her if she wanted to touch it. The victim said no, according to the affidavit.
The victim's mother told police she confronted Milam, according to the affidavit, and he told her the 7-year-old had walked in on him while he was masturbating. Milam said he told the victim to keep what she saw a secret because he "thought the incident might upset [the victim's mother]."
Milam bonded out of custody. He is the developer working on the Backyard music venue project in Bee Cave, which has created controversy in the community surrounding traffic and noise.
Grey Toddler Winter Moc Gelb Kids' Dark Multi Waterproof Boot Insulated Bogs B …
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Is it possible (with professional help) to create my own Content Management System (not sure if this is the right term)? I am an entrepreneur who would like to launch an online computer application where users can create their own websites without any programming knowledge.
Like something very similar to Weebly, just with less tools and a much smaller user niche. Something similar to mindmixer.com
If this is possible, around how much time and money would it take to develop a very basic version of the application I described?
Thank you very much for your help and advice!


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I'm currently in a rut on some pages for my book about my dad. I just don't even want to work on it because it's irritating me. What do you guys do when you're in a rut? I normally just ignore and never come back to but that seems like not a good idea.
In a Rut
Most of the time i save my work and try to get some inspiration by looking through gallery's on the internet. If i can't be inspired then i try a week later or so.
I usually go to a different craft for a while. I was in a rut with scrapbooking last year, so I knit & crocheted a couple sweaters (just in time for Christmas). I was able to clear my head and then scrapbooking was fresh again for me.
When I get stuck I usually take a break. Sometimes it is for a few weeks or so. I usually do something else. It is not uncommon to be working on a couple of things at a time. Taking a break seems to refresh me when I go back and have a new perspective of the project.
Been there and it is no fun. I always take a break and do something else. It helps me.
Today I sort of found a rut buster... I really want to get this book done so I have the actual book. My dad just passed away and I miss him so much that I just want to spend time paging through a scrapbook of him. Crazy I know. I'm kind of ok with that... haha! Anyway, my rut buster was that I went to the challenge page and picked a challenge and picked a new page to do in the book. I have the page nearly done so I think it has worked well so far. I love to hear what you guys do. The problem I'm having is that I want to get this done so bad.
@Heather - This was the advice I was going to give you :p
Sorry for your father. I hope you can scrap a lot if it makes you feel better about it...
I am really easy get bored... When it happened, I usually do my other hobbies... in example making jewelries it really helps me a lot... when I got stuck with jewelries idea then I go start scrapping again... if it's still stuck, I go outside for take a break... maybe I can get fresh ideas for my hobbies.. Good luck!
I usually rotate a couple projects so that I don't get tired of one. I know what you're talking about when you say you're just wanting to get it done. Usually when that happens I take a break and work on something else, despite my overwhelming urge to just push through. Things always turn out better when I take a break and work on something else for a while.
I don't think paging through a scrapbook of your Dad is at all crazy. I think it's beautiful. When I'm in a rut I try something like going fishing. Now I know that really sounds crazy, but I love fly-fishing and it's the most Zen thing that I've ever done. It gives me time to think about what I really want to do with a project, well, at least until I catch a fish and have to think about how to get him in the net anyway. Doing something away from my project really helps, especially when I'm outdoors and look around me and find patterns and colors in nature that inspire whatever project I'm working on at the time. I'm sorry about the loss of your Dad, but creating that scrapbook will be something that you do from the heart that you will cherish for your lifetime. Carpe' Diem!
I get in ruts all the time. I try to work on multiple projects at once, so if I get bored of one I can do another. If that doesn't work I step away from the computer and do something else, usually cleaning and organizing which will help "clear" my brain a little, or I'll play guitar for awhile or go draw/paint on paper or some type of crafty thing with my kiddos. Then I come back to the computer feeling a little more refreshed. Sometimes though I have a bad habit of completely trashing all the work I've done so far and then starting new again...it's not very productive, but sometimes needs to be done when I'm just not feeling the "vibe" of the album I'm working on.
We all get into a rut at times, I think. I take a break and surf through Pinterest to see if there are some cool ideas that I can scraplift. Or, I work on another craft, and come back to scrapping after a day or two. By bringing some fresh eyes and ideas to a lackluster layout, I can usually find my way to get going again. I wish you lots of luck on it. I am working on some pages about my dad, as well. I think it becomes emotional for me, and sometimes it becomes difficult because I want to do such a good job to honor him.
I go to Pinterest and hope to make back out alive in less than a day.


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Hate Me Now: Celebrities Who Are Involved In The Most Feuds Right Now
Most-Hated Celebrities
Not everyone can be liked. In fact, most people that are famous get hated by tons of other celebrities. It just comes with the territory. But some famous people get hated on more than others. Do they deserve it? Who knows? We just know these people are involved in tons of feuds.
Let's look at celebrities that seem to always have someone feuding with them.
Lil Wayne – Pusha T has been dissing him. And a Jay-Z diss isn't far behind. Plus he said he hates New York so that doesn't help either.
Kim Kardashian – Everyone from Reggie Bush to Kris Humphries and, well, all of her exes can't stand her. Plus moms across America aren't really a big fan.
50 Cent – He's dissed every rapper and done so joyously. Now even his buddy Money Mayweather and his old G-Unit guys hate him.
Stacey Dash – She was already making her costars angry now she's making everyone else hate her for choosing Paul Ryan.
Bow Wow – He's got baby mommas coming after him as well as being rap's punching bag. Soulja Boy just dissed him, too. It's not a good time to be Bow Wow.
Continue Slideshow
Drake – Common and Pusha T just finished throwing disses his way and he gets slandered for his soft ways on a consistent basis. Poor lil Tink Think. He's gonna cry in the car.
Chris Brown – People won't ever forgive him for the Rihanna thing…plus he continues to be a douche. So America, Jay-Z and Oprah all can't stand him. And he's always in a Twitter beef with someone.
More Stories From Bossip
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Liberty News
Student artwork on display in VCAR gallery
Liberty University's Visual Communication Arts program opened an exhibit of nearly 100 works of art in the VCAR Studios and Gallery this week. The show features student artwork in the form of posters, identity packages, magazine covers, product illustrations, menus and more. The exhibit will be on display through Feb. 27.
Gallery hours are:
Monday: 4:30-8 p.m.
Tuesday: 5-8 p.m.
Wednesday: 4:30-7 p.m.
Thursday: 5-8 p.m.
Friday: 3-8 p.m.
Saturday: 10 a.m.-6 p.m.


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Remember, whenever you see one of our shiny red trucks rolling down the road there is a professional driver with a mission to inspire moments of optimism and happiness. At Coca-Cola Refreshments we are passionate about making sure all of our iconic Coca-Cola products get to your local store, restaurant, cafeteria or vending machines quickly and efficiently.
We are actively seeking enthusiastic team players who want to work with the worlds most trusted and iconic brands.The Driver Merchandiseris responsible for delivering happiness to our customers across a specific route On Time and In Full. You will also ensure that the merchandise is stocked on shelves and in coolers, and that the appropriate rotation of products is managed well. You will be an Ambassador for the world's most recognized brand to customers and consumers alike.
Coca-Cola Refreshments requires all applicants to undergo a background verification process prior to commencing employment with the company. Employment with Coca-Cola Refreshments is contingent on the satisfactory completion of a pre-employment background check which may include drug screening. Driving records, including minor moving violations, will be evaluated according to Coca-Cola Refreshments' guidelines to determine eligibility for the Driver Merchandiser position.Coca-Cola Refreshments is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.