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Aims & Scope
Cancer Prevention International (CPI) is an international journal devoted to publishing scholarly works in the broad field of cancer prevention, detection, and control. To this end it will cover such areas as basic mechanisms of cancer prevention, chemoprevention, nutrition, alcohol, tobacco, and environmental sciences, epidemiologic and behavioral studies, prevention clinical trials, and other areas related to prevention and control of cancer.
Cancer Prevention and Control
Joni Shulman and Daniel W. Nixon
State Cancer Pain Initiatives: A Decade of Progress
June L. Dahl
Proactive Approaches to Nutritional Care During Radiation Therapy
Marylou S. Anton
A Mixture of Chemopreventives Modifying the Oxidative State and Inducing Programmed Cell Death in Human and Hamster Oral Carinonoma Cells
Joel L. Schwartz
Application of Behavioral Theory Within Diet-Based Clinical Trials to Improve Outcome
Wendy Demark-Wahnefried
Conjugated Linoleic Acid (CLA) and Carcinogenesis
David Kritchevsky
Nutritional Intervention With n-3 Polyunsaturated Fatty Acids in Advanced Pancreatic Cancer
Matthew D. Barber and Kenneth C. H. Fearon
Rethinking Vitamin C and Cancer: An Update on Nutritional Oncology
Michael J. González, Edna Mora, Neil H. Riordan, Hugh D. Riordan, and Pablo Mójica
Molecular Biology Editorial Board
Nutrition Editorial Board
Studies of a Newly Described Gastrointestinal Factor and Its Role in Protecting Against the Negative Effects of Food
Yulian Rafes
Medical Oncology Board
The Force of Long-Term Mortality in Breast Cancer Patients
Rowan T. Chlebowski, James Sayre and Linda M. Lillington
Occupational and Environmental Health Editorial Board
Xenoestrogen Exposure and Dietary Fat Connection in Breast Cancer Risk: Is There a Scientific Basis for Concern? Part 1: Breast Cancer Risk and Estrogenicity
Narayanan K. Narayanan
Medical Ethics
Alternative Medicine
Hope, Meaning, and Music Therapy in the Treatment of Life-Threatening Illness
David Aldridge
Spirituality, Healing, and Medicine
David Aldridge
Volume 3 Subject and Author Index
Conference Announcement
Daniel W. Nixon, M.D.
Folk Professor of Experimental Oncology
Professor of Medicine
Associate Director of Cancer Prevention and Control
Hollings Cancer Center
Medical University of South Carolina, Charleston, SC, 29425
Medical Oncology Editor
Rowan T. Chlebowski, M.D., Ph.D., Harbor/UCLA Medical Center, Torrance, CA, USA
Medical Oncology Editorial Board
Ronald H. Blum, M.D., NYU Medical Center, New York, NY, USA
Scott M. Lippman, M.D., M.D. Anderson Cancer Center, Houston, TX, USA
Frank L. Meyskens, Jr., M.D., University of California, Irvine, Orange, CA, USA
James L. Mulshine, M.D., National Cancer Institute, Rockville, MD, USA
SECTION DESCRIPTION: Dedicated to the review and timely publication of the latest updates on cancer chemoprevention trials, as well as information on the clinical ramifications of promising new chemopreventive agents, biomarkers, and intermediate end points. Related issues of trial conduction, such as recruitment, adherence, and study design, also fall into the scope of this section.
Occupational and Environmental Health Editor
William R. Hendee, Ph.D., Medical College of Wisconsin, Milwaukee, WI, USA
Occupational and Environmental Health Editorial Board
Henry Anderson, M.D., Bureau of Public Health, Madison, WI, USA
Carl Barrett, Ph.D., Natl. Inst. Environmental Health Sciences, Research Triangle Park, NC, USA
John B. Conway, Ph.D., M.P.H., State University of New York at Albany, NY, USA
Devra Lee Davis, M.D., Health and Human Services, Washington, DC, USA
Alan Ducatman, M.D., West Virginia University School of Medicine, Morgantown, WV, USA
Tee L. Guidotti, M.D., University of Alberta Faculty of Medicine, Edmonton, Alberta, Canada
SECTION DESCRIPTION: Addresses environmental and occupational exposures to carcinogens, their impact on human health, and ways to reduce the impact through remediation, education, and policy-making.
Nutrition Editor
Myron Winick, M.D., Columbia University, New York, NY, USA
Nutrition Editorial Board
David Kritchevsky, M.D., Wistar Institute, Philadelphia, PA, USA
Pedro Rosso, Catholic University Medical School, Santiago, Chile
Harold Sandstead, M.D., University of Texas, Medical Branch, Galveston, TX, USA
Richard Weindruch, Ph.D., University of Wisconsin, Madison, WI, USA
John H. Weisburger, M.D., American Health Foundation, Valhalla, NY, USA
James Whittam, Shaklee Corporation, San Francisco, CA, USA
SECTION DESCRIPTION: Epidemiological studies, human case control studies, experimental clinical trials, animal studies, and any other scientifically valid studies relating general diet or individual nutrients to the etiology and any type of cancer are included. In addition, articles related to the nutrition of patients with cancer are included if they involve lowering or increasing the risk of further spread.
Molecular Biology Editor
Edward Bresnick, M.D., University of Massachusetts Medical School, Worcester, MA, USA
Molecular Biology Editorial Board
Leonard Augenlicht, Ph.D., Albert Einstein Medical Center, Bronx, NY, USA
James M. Phang, M.D., Lab. of Nutrition & Molecular Regulation, Frederick, MD, USA
Max Wicha, M.D., Comprehensive Cancer Center, Ann Arbor, MI, USA
SECTION DESCRIPTION: Publishes the latest advances in the use of molecular bioloigical techniques in the design of specific biomarkers for predicting populations that are susceptible or resistant to the development of cancer and for assessing the efficacy of chemopreventive agents.
Alternative Medicine Editor
Barrie R. Cassileth, Ph.D., University of North Carolina at Chapel Hill, NC, USA
Alternative Medicine Editorial Board
David Aldridge, Ph.D., Universitat Witten Herdecke, Witten, Germany
Joe Jacobs, M.D., Guilford, CT, USA
Wayne B. Jonas, M.D., National Institutes of Health, Bethesda, MD, USA
Charles L. Loprinzi, M.D., The Mayo Clinic, Rochester, MN, USA
John C. Reed, M.D., Pain and Stress Recovery Center, Phoenix, AZ, USA
Sidney L. Saltzstein, M.D., M.P.H., Univ. of California San Diego Med. Ctr., San Diego, CA, USA
Zeng Yi, M.D., Chinese Academy of Preventive Medicine, Beijing, China
SECTION DESCRIPTION: This section broadens oncologists' access to alternative research information and providers a forum for alternative researchers.
Medical Ethics Editor
Jan van Eys, Ph.D., M.D., Vanderbilt University School of Medicine, Nashville, TN, USA
Medical Ethics Editorial Board
L. Ray Patterson, University of Georgia School of Law, Athens, GA, USA
Stuart L. Spicker, Ph.D., Baylor College of Medicine, Houston, TX, USA
SECTION DESCRIPTION: Publishes original articles, analyses, and reviews of topics touching upon the ethical and legal implications of initiatives toward cancer prevention.
Author Index
|Aldridge, D., 279, 287
Anton, M. S., 165
Barber, M. D., 207
Castañeda-Méndez, K., 55
Dahl, J. L., 157
Fearon, K. C. H., 207
Gittinger, C., 3
Holladay, E. B., 3
|Imai, K., 79
Jones, W., 3
Kritchevsky, D., 199
Lillington, L. M., 241
McShane, F. P., 19
Nakachi, K., 79
Pentz, R. D., 123
|Rafes, Y., 229
Riordan, H. D., 215
Riordan, N. H., 215
Sayre, J., 241
Torosian, M. H., 93
Unander, D. W., 143
van Eys, J., 131
Wilson, D. B., 19
Zoller, J., 19
Subject Index
|Activity-based costing, 55
Antioxidants, 99
Apoptosis, 175
Appetite, 165
Archival, 3
Baldrige, 55
Cachexia, 165
Diet-based clinical trials, 191
|E6-E7 transcription, 3
Endocrine, 251
Environmental exposure, 251
Ethics, 123
Ethnobotany, 143
Genetic, 123
Health promotion, 19
Index of relative risk, 37
Late effects, 165
Micronutrients, 99
Nutrition, 55, 165
|p53, 3
Phase I trial, 79
Phyllanthus, 143
Phytoestrogens, 251
Prevention, 123
Protective oxygen systems, 37
Quality, 55
Radiation, 99, 165
Solid tumors, 215
Total parenteral nutrition, 93
Vitamin C, 215
Xenoestrogens, 251
CancerPrevention International, Vol. 3, pp. 165-173, 1998
1083-9984 $10.00 + .00
Copyright © 1998 Cognizant Comm. Corp.
Printed in the USA. All rights reserved.
Proactive Approaches to Nutritional Care During Radiation Therapy
Marylou S. Anton
Department of Radiation Oncology, University of Pennsylvania Medical Center, 3400 Spruce Street-2 Donner, Philadelphia, PA 19104
Nutrition as it relates to cancer and radiation is discussed in terms of anorexia, cachexia, mechanical barriers to nutrition, effects of chemotherapy on nutrition, fatigue, and depression. The stated general measures for nutritional support are education and physiological implications related to nutritional support. The assessment of nutritional status is described through diet history, anthropometric measurements, exemplified by weight, mid-arm circumferences, and triceps, skinfold; biochemical; measurements, further described as albumin, transferin, nitrogen balance, and immune function evaluation. Obstacles to nutritional assessment are also described. The effects of radiation and their relationship to nutrition are described. Early and late effects are reviewed with side effect management descriptions given.
Key words: Nutrition; Radiation; Appetite; Cachexia; Late effects
Cancer Prevention International, Vol. 3, pp. 175-190, 1998
1083-9984 $10.00 + .00
Copyright © 1998 Cognizant Comm. Corp.
Printed in the USA. All rights reserved.
A Mixture of Chemopreventives Modifying the Oxidative State and Inducing Programmed Cell Death in Human and Hamster Oral Carcinoma Cells
Joel L. Schwartz
Howard University, College of Dentistry, 600 W Street, N.W., Washington, DC 20059
The chemopreventives such as carotenoids, retinoids, tocopherols, ascorbic acid, and reduced glutathione were studied for their effects on the modification of the oxygen state and the induction of programmed cell death. A previous study indicated that the combination of chemopreventives was more effective than any single agent inhibiting oral carcinogenesis. Additional in vitro studies were conducted to verify this relationship. Hamster- and human-derived oral carcinoma cells (HCPC-1 and SCC-25) were used as targets. Tritiated thymidine ([3H]TD) incorporation identified a dose-response (8, 35, 70 mM) effect for the combination treatment, b-carotene (BC), canthaxanthin (CAN), retinyl palmitate (RP), and dl-alpha tocopherol acid succinate (VES), while ascorbic acid (AS) and glutathione (reduced) (GSHred) did not appear to produce this level of depression of cell growth. This became more evident at 70 mM compared to the 8 mM dose. In conjunction a viability test (tetrazolium salt assay, MTT) produced a similar response. The levels of mercaptan (mM, nonprotein sulfhydryls) and glutathione (GSHred) were found to be depressed by the combination and BC, RP, and AS treatments, while VE and GSHred treatments significantly elevated their levels. The result of these oxidative changes was the induction of apoptosis as identified through nucleosome formation, changes in mRNA levels for tumor necrosis factor-a (TNF-a) and enhanced expression of p53. The combination of nutrients induced the highest level of apoptosis while the next highest to lowest levels were BC > RP > CAN > VES > AS > GSHred. A mixture of chemopreventives compared to any single nutrient forming the mixture could produce a greater suppressive effect in oral cancer cells inducing apoptosis.
Key words: Chemopreventive mixture; Apoptosis; Redox state
Cancer Prevention International, Vol. 3, pp. 191-197, 1998
1083-9984 $10.00 + .00
Copyright © 1998 Cognizant Comm. Corp.
Printed in the USA. All rights reserved.
Application of Behavioral Theory Within Diet-Based Clinical Trials to Improve Outcome
Wendy Demark-Wahnefried
Box 2619, Duke University Medical Center/MSRB, Durham, NC 27710
Theories developed in the area health behavior serve as valuable tools in helping to explain human behavior and strategies to achieve change. Thus, the application of behavioral theory to clinical trials aimed at lifestyle change can enhance recruitment; the ability to distinguish compliant from noncompliant subjects; the development of uniform and effective messages and program strategies; and the ability to interpret, generalize, and ultimately disseminate research findings. Behavioral theories developed to explain intra- and interpersonal human behavior may have particular merit for application to clinical trials. The Health Belief Model, the Transtheoretical Stages of Change Model, and Social Cognitive Theory are described. These models are examples of the many behavioral models that exist, which have demonstrated success in trials aimed at behavioral change. Researchers therefore can strengthen clinical trials aimed at lifestyle change through the thoughtful application of behavioral theory.
Key words: Behavioral theory; Diet-based clinical trials; Lifestyle change
Cancer Prevention International, Vol. 3, pp. 215-224, 1998
1083-9984 $10.00 + .00
Copyright © 1998 Cognizant Comm. Corp.
Printed in the USA. All rights reserved.
Rethinking Vitamin C and Cancer: An Update on Nutritional Oncology
Michael J. González,1 Edna Mora,2 Neil H. Riordan,3 Hugh D. Riordan,3 and Pablo Mójica2
1University of Puerto Rico, Medical Sciences Campus, School of Public Health, Department of Human Development, Nutrition Program , San Juan, Puerto Rico
2University of Puerto Rico, School of Medicine, Cancer Center and Experimental Surgery Division, San Juan, Puerto Rico
3The Center for the Improvement of Human Functioning, RECNAC Program, Wichita, KS
The effect of vitamin C on cancer, especially on solid tumor malignancies, has been a subject of great controversy. In this article we address general aspects of vitamin C and cancer, while reviewing and analyzing existing literature on the subject. In addition, we present and discuss our own hypothesis on the effect of vitamin C on cancer (solid tumors). This article is an attempt to ease the existing controversy while providing an updated scientific basis for the use of vitamin C in nutritional oncology.
Key words: Vitamin C; Solid tumors
Address correspondence to Dr. Michael J. González, University of Puerto Rico, Medical Sciences Campus, Graduate School of Public Health, Department of Human Development, Nutrition Program, PO Box 365067, San Juan, Puerto Rico 00936-5067. Tel: (787) 758-2525, Ext. 1405; Fax: (787) 759-6719.
Cancer Prevention International, Vol. 3, pp. 229-238, 1998
1083-9984 $10.00 + .00
Copyright © 1998 Cognizant Comm. Corp.
Printed in the USA. All rights reserved.
Studies of a Newly Described Gastrointestinal Factor and Its Role in Protecting Against the Negative Effects of Food
Yulian Rafes
YIVO Institute for Jewish Research, 555 West 57th Street, Suite 1100, New York, NY 10019
There is a great deal of evidence that the postgastrectomy syndrome that accompanies the ingestion of food (``dumping syndrome'') is one of the most severe forms of a disease spectrum that exists in many people with intact gastrointestinal tracts. Symptoms may vary from weakness, drowsiness, dizziness, headache, cold sweats, palpitations, nausea, vomiting, epigastric and abdominal pain to only one or two of these symptoms. The common factor, however, is that these symptoms are always the direct result of food ingestion. The author presents a concept, supported by all of the available evidence, that the gastrointestinal tract secretes a substance that prevents this food-induced syndrome. He has named this substance the Food Asthenia Preventive Factor (F.A.P.F.). In animals this factor appears to have physiologic activity outside of its effects on the gastrointestinal tract. Administration of F.A.P.F. to farm animals increases their growth, raises birth weight, and decreases dyspepsia rates. When this factor is given to experimental animals, it reduces stress-related lesions, and increases physiologic resistance to several types of stress and a variety of malignant tumors. The factor has been shown to be present in extracts of both porcine and human gastrointestinal tracts. Whether this factor has more general effects in humans similar to those seen in animals has not yet been determined. Nevertheless, even today it is obvious that this factor defends an individual from certain negative influences of food.
Address correspondence to Yulian Rafes. Dr. Rafes is former head and professor of Clinic of Ukraine Institute of Gastroenterology and presently a senior research fellow at the YIVO Institute.
Cancer Prevention International, Vol. 3, pp. 241-247, 1998
1083-9984 $10.00 + .00
Copyright © 1998 Cognizant Comm. Corp.
Printed in the USA. All rights reserved.
The Force of Long-Term Mortality in Breast Cancer Patients
Rowan T. Chlebowski,1 James Sayre,2 and Linda M. Lillington1
1Harbor-UCLA Medical Center, Department of Medicine, Division of Medical Oncology and Hematology, Torrance, CA
2UCLA School of Medicine, Department of Biostatistics, Los Angeles, CA
Optimal patient management and public policy decision making with respect to breast cancer is dependent on reliable determination of the clinical course of this disease. However, substantial differences in long-term mortality patterns of breast cancer patients emerge from consideration of recent Surveillance, Epidemiology, and End Results (SEER) Program cancer statistics compared to Early Breast Cancer Trialists' Cooperative Group (EBCTCG) reports. SEER results suggest decreasing risk of death with time over long-term (15 years) follow-up whereas EBCTCG results suggest a more sustained, relatively constant mortality risk over the same period. To explore this issue, results from a hospital-based tumor registry were examined after enhanced follow-up procedures. For 508 consecutive local-regional breast cancer cases from the Harbor-UCLA Tumor Registry, a survival pattern over 15 years most consistent with EBCTCG results was seen, suggesting the force of long-term mortality related to breast cancer diagnosis is both sustained and relatively constant over time. To definitely resolve this important question regarding the clinical course of breast cancer, individual patient results from SEER and EBCTCG databases should be directly compared.
Address correspondence to Rowan T. Chlebowski, Harbor-UCLA Medical Center, Division of Medical Oncology and Hematology, 1000 W. Carson Street, Bldg. J3, Torrance, CA 90509. Tel: (310) 222-2217; Fax: (310) 320-2564.
Cancer Prevention International, Vol. 3, pp. 251-273, 1998
1083-9984 $10.00 + .00
Copyright © 1998 Cognizant Comm. Corp.
Printed in the USA. All rights reserved.
Xenoestrogen Exposure and Dietary Fat Connection in Breast Cancer Risk: Is There a Scientific Basis for Concern? Part 1: Breast Cancer Risk and Estrogenicity
Narayanan K. Narayanan
Hollings Cancer Center, Medical University of South Carolina, 171 Ashley Avenue, Charleston, SC 29425
Breast cancer is the leading hormone-dependent malignancy in women, and the incidence is reported to be increasing in industrial nations. In this review we have summarized evidence from environmental, experimental, and epidemiological perspectives, to evaluate various risk factors associated with breast cancer development. This article is intended to document the association and controversies between exogenous and endogenous estrogens, and plausible mechanistic pathways involved in breast cancer development. A review of the English-language literature was conducted in several areas, which included environmental, experimental, epidemiological, medical, and social sciences with emphasis on articles published in the last 10 years. More than 350 articles were reviewed. Many factors--environmental, genetic, reproductive, etc.--have been linked to breast cancer development. Exogenous and endogenous estrogens have been implicated in the etiology of benign and neoplastic tumors of the breast. A number of compounds and their metabolites have estrogenic activity, including steroids, phytoestrogens, and synthetic chemicals. Dietary fat intake is a major concern for increased breast cancer incidence in women because diets high in total fat and certain polyunsaturated fatty acids have been linked to increased incidence of carcinogen-induced breast cancer in animals. The association between persistent lipophilic xenoestrogenic substances carried in dietary fat and potentially adverse environmental factors with breast cancer susceptibility genes may increase the risk of breast cancer. The potential of xenoestrogens to cause harmful effects in animals and humans is highly controversial. Though experiments with animal models and limited human studies suggest that dietary fat intake increases the incidence of breast cancer, epidemiological evidence seems to be inconsistent. Studies focused on the mechanism of action of both xenoestrogens and dietary fat at the cellular and organism level might explain these apparent discrepancies and narrow down the uncertainties.
Key words: Environmental exposure; Phytoestrogens; Xenoestrogens; Endocrine; Hormone
Full text articles available: CLICK HERE>
Back issues of this journal are available online. Order here>


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subset: commoncrawl


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27th March 2017
Losing control of the narrative can cost you dearly...
So much has already been written about the collapse of the attempt to repeal and replace the Affordable Care Act that it's difficult to find a new perspective. But I'm going to try.
My colleagues in DC are better qualified than I to comment on the politics of what went down on Friday, though it seems to me it was a lack of preparation, organization and flexibility, combined with a very effective grassroots opposition that capitalized on the vulnerability of many Representatives' seats.
But what fascinates me, as a comms person, is the narrative. I mean, where did it all go wrong for those opposed to Obamacare?
For decades, the insurance companies, those in favour of smaller government, and others successfully portrayed attempts at healthcare reform as 'creeping socialism', as somehow anti-American. Finally, President Obama succeeded where Clinton had failed, and passed the Affordable Care Act. But in the 2016 election, Donald Trump's pledge to repeal and replace it was loudly cheered at rallies throughout the country, and once elected, he and Speaker Ryan sought to make good on their promise at the earliest opportunity.
So successful was the 'Obamacare is bad' narrative that as recently as February, a third of Americans did not realize that the much-vilified Obamacare and the Affordable Care Act were actually one and the same. Confronted with the reality that their healthcare provsiion was going to change, more people began to pay attention. And that's when the cracks began to appear.
The Affordable Care Act saw a surge in popularity. Democrats exploited this, and the Republicans lost control of the narrative. And once that happens, it is very hard to win it back.
So, politics aside, what communication lessons can be learned from all this? Four things immediately occur to me:
Speaker Ryan handled the news conference after the non-vote just right, striking a tone of humility when he said "Doing big things is hard". He will now have to lead recovery efforts for the damaged GOP brand. But that's a whole other post…
Jon Meakin
15th November 2016
Will Kunkel, Executive Vice President for Creative and Content in Grayling New York, on the final of our #7for17 trends, Live and Uncut'Timing is everything' has been a favorite line to many but...Read More
8th November 2016
Danica Ross, Grayling San Francisco US Executive Vice President, on how brands can guide themselves through the 'the new space race' – part of our #7for17 trends series.In an era where brands...Read More
3rd November 2016
Russell Patten, Chair of Grayling's European Public Affairs practice, looks at one of the major political trends as part of our #7for17 series. It's been a turbulent year in politics, with the...Read More


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Government refers to all the following EXCEPT
All the following are experienced by a community without government EXCEPT
As an academic field, the study of government does NOT include
Which of the following systems of government is authoritarian in nature?
The system that allows the electorate to participate in governance is
Which of the following hinders the establishment of a representative government in a state?
Which of the following is NOT an attribute of a state?
In a democracy, political sovereignty is vested in the
According to Charles Montesquieu, the theory of separation of powers is to prevent
Decentralization is a common feature of
Bye-laws are made through
Power is transformed into legal authority through
Conventions are mostly used by states that have
One advantage of a flexible constitution is that it
A constitution that requires complicated procedure for its amendment is
The official who enforces discipline among members of his party in parliament is the
When an action of the executive is declared ultra-vires, it is a control exercised by the
In a presidential system of government, the president can constitutionally be removed from the office through
Which of the following is an important feature of a unitary constitution?
One of the features of an absolute monarch is that the ruler
A notable feature of the cabinet system of government is
All the following are the conditions for the adoption of federalism except
The privilege citizens enjoy in a country irrespective of sex, tribe or creed is
The judicial order requiring a detained person to be brought before a judge is the writ of
A political party can contest and win a widely accepted election if it has
Political parties aim at all the following except
Which of the following is not a means through which political parties reach the populace?
An association whose ultimate aim is to influence government policies is known as
Membership of pressure groups is usually limited because they
Elections are conducted to
Suffrage is also known as
For an election to be free and fair, the Electoral Commission must be
Which if the following categories of people can vote in periodic elections?
The anonymity of a civil servant means that he
Which of the following functions is performed by the civil service?
Public corporations are established to
A minister controls public corporation by
An institution of government that makes bye-laws is the
Local governments are created to
Some pre-colonial West African government were democratic because of the existence of
One of the measures introduced by indirect rule was
Which of the following policies was replaced by the French policy of association?
The appointment and deposition of chiefs by their people was a demand of the
The desire for constitutional development in British West African colonies was as a result of the
The following are features of military regimes except
Military regimes in West Africa have often made use of civilians because
One criticism levelled against the pre-independence political parties in West Africa was that some of them
Foreign policy is the
The Commonwealth of Nations was originally made up of
Which of the following countries was not instrumental to the formation of the United Nations Organization (UNO)?
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How to Use
the Readings
Inquiry Question
Document 1
Reading 1: Will Taft Grows Up
Cincinnati was a busy river port of 50,000 people when Alphonso Taft arrived from Vermont in 1838. Business was good for the ambitious young attorney, who built a practice and made his place in town society. After living in Cincinnati for three years, he married Fanny Phelps, a girl from his Vermont hometown. A decade later he moved the family, which now included two young sons and his parents, to a 10-year-old house on two acres of land a mile north of downtown in Mount Auburn. Alphonso put up a large addition to accommodate his growing family, and also modernized the plumbing.
Fanny died in 1852, only a year after moving to Mount Auburn. In 1854, Alphonso married Massachusetts schoolteacher Louise Torrey. An affectionate stepmother to Alphonso's two sons, Louise gave birth to four healthy children of her own, including William on September 15, 1857. As a child, Will, as he was called by family members, was outgoing and good naturedtraits he carried into adulthood. Encouraged by his parents, Will earned high marks throughout his school years. "All play and no work makes Jack a mere toy," his father would threaten, but Will escaped his books by playing baseball, riding the family's pet pony, sledding down the nearby hills in winter, wrestling, or tearing through the house with his siblings.
"I am more and more impressed with the responsibility of training children properly," Louise wrote her mother in 1860. "It is what we are, not what we do in reference to them which will make its impression on their lives." In setting an example, the parents could not have been more diligent. Louise and Alphonso Taft raised their six children to live by the principles of hard work, fair play, and public service. The Taft house was a whirl of activity. Their formal parlor might be the setting for the card games of whist or euchre, a discussion of anti-slavery legislation and women's suffrage, or book reading. Civil War hero and future president, James A. Garfield once accompanied friends to dinner at the Taft home. Often, rugs were rolled up and furniture pushed aside, and the parlor became a makeshift dance hall. Quiet evenings were spent in the library. Alphonso finished up the day's business, Louise sometimes had sewing to do, and the children read or brooded over the chess table. Alphonso, an avid book collector, was a founding member of the city's literary society. Family discussions and letters to friends and relatives were full of references to Dickens, Darwin, and other best sellers of the day. There was scarcely a civic or cultural organization in town that could not claim the participation of one or more Tafts.
Alphonso's tireless work for the Republican Party led to political appointments (for instance, he gave up a well-paying law practice for a city judgeship in 1865) that brought him increasing social prominence, but ultimately led to his departure from Cincinnati. President Ulysses S. Grant summoned Taft to Washington, first as secretary of war, then as attorney general. In the 1880s Taft served as minister to Austria-Hungary and later Russia. Much to Louise's delight, the couple lived abroad and indulged their love of travel. The Auburn Avenue house was intermittently rented out when not occupied by the grown children.
By 1889 the Tafts had left Auburn Avenue for good. Alphonso and Louise retired to California where the climate was better for Alphonso's health. Will completed his education and began a law career of his own. In 1886 he married Helen Herron and built a house in Cincinnati. The other Taft children also were out on their own. Alphonso died in San Diego in May 1891 and was buried in Cincinnati. Tenants were kind enough to allow the family and friends one last gathering in the old home for the funeral.
In 1902 Louise Taft reminded Will, then governor-general of the Philippines, of his late father's role in his career: "You owe so much to his influence that you might be thought a striking exemplification of the influence of heredity, and the environment which surrounded you in living in the same atmosphere, and breathing the same airan inspiration to everything that was good."
Questions for Reading 1
1. What position held by William Howard's father do you think had the most influence on William Howard's career? Explain your answer.
2. What values were taught in the Taft household as William Howard was growing up? Why do you think these values were important to Taft's later life? What values do you think are important for success in today's world?
3. In your own words, what point was Louise Taft trying to make to her son in 1902 regarding her late husband's influence? Do you agree with her point of view? Why or why not?
Reading 1 was adapted from the National Park Service visitor's guide for William Howard Taft National Historic Site.


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The jewellery of UNO de 50 is non-allergic, nickel free and silver plated.
UNO de 50 is a Spanish brand whose core values are creativity and originality. These are reflected in their designs, their hand crafted jewels season after season.


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Next Episode of Natural World is
BBC Two's classic wildlife series which tells in-depth stories of incredible animals, featuring award-winning photography in some of the most extraordinary places in the world.
David Attenborough(David Attenborough)
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Follow RFF News on your cell phone. Text follow rff to 40404 you will receive txt messages with RFF News
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KL2 did have a Roadblock - the Sabah flag catch
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Kith and Kin Pro is a genealogy software package for storing, querying and documenting family trees. It features a unique, easy to use graphical interface and powerful data management tools which makes it ideal for large or small trees.
The Kith and Kin series is the original Windows genealogy software, started in 1993 under Windows 3.1, and used by thousands of users in over 50 countries worldwide.
Now completely revised and updated for all Windows versions from 98 to Win10
I absolutely LOVE your program!!!! I'd tried demos of several before finding and trying K&K and all the rest were very complicated and non-user friendly. K&K is so easy to learn and use.
Uniquely, the main screen displays the data as linked rectangles representing each family. Using the mouse, you can drag and position the family rectangles within the Tree Area to form any tree layout you desire. The family rectangles can be used for fast, direct access to data. You can zoom in and out of the tree to give you an overview of the entire tree layout.
Each family tree is stored in a relational database with a capacity of over 2,000 million records and you can have as many databases as you like. The software uses the powerful SQL (Structured Query Language) and other search tools to find data in the family tree. Results from searches can be used to form custom reports or exporting to other programs.
Navigating the tree on the screen is made easier by automatically highlighting related families. You can choose all families descended from a particular root family, all families containing ancestors of the root or just families which form a direct line between two families.
The families can be grouped into layers. By choosing to display only one layer at a time, it is possible to manage large trees which would otherwise be cluttered.
For the serious family historian, you can store information about the documentation you have used in your research. Recording source documents and repositories lets you go back to re-evaluate your findings at a later date.
I must admit to having looked at the competition recently but I 've found nothing I like so much as KKPro with its intuitive interface and easy access to windows for recording sources.
You can also display a customizable timeline which displays a chronological list of events associated with selected families interspersed with notable events from history.
There are many different types of reports available, including drop-line charts and textual reports. All reports can also be exported to Adobe PDF files. The program has options enabling you to produce reports in any language.
Kith and Kin Pro exports Web pages, allowing you to easily publish your family tree on the Internet. The look and feel of the Web pages are fully customisable.
The software is GEDCOM V5.5 compatible so you can easily import data from other genealogy programs. Kith and Kin Pro also exports GEDCOM files.
This program runs under Windows 98,Me,2k,NT4,XP,Vista,7,8,10 (32bit and 64bit).
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Head coach Jeff Gamber enters his 36th season at the helm of the Spartans and 43rd season in college coaching. He has accumulated a 475-414 record during his tenure at York. He also serves as the golf coach and teaches coaching and basketball classes at the College. Gamber is the former chair of the NCAA Division III Basketball Committee and also served the College as Athletic Director for 22 years before stepping down at the end the 2003-04 academic year.
The last eight-year period has contained great accomplishments for Gamber and his men's basketball program. In 2004-05, he was named the Capital Athletic Conference Coach-of-the-Year as he led the Spartans to the regular season championship and also to their first-ever CAC tournament championship. It was the fourth time Gamber was honored by his peers as the league's Coach-of-the-Year. He is currently the active wins leader among all CAC coaches with his 475 wins. Gamber led the Spartans to a school-record 28 wins en route to the 2005 NCAA Division III Final Four. Prior to the Final Four, Gamber was named the NABC Mid-Atlantic Coach-of-the-Year, marking the first time he had received the regional honor. Gamber then capped his season by earning the NABC Division III National Coach-of-the-Year. In 2005-06, Gamber led the Spartans to the CAC regular season championship and a return trip to the NCAA Tournament. In 2006-07, he reached the 400-career win plateau with the Spartans' 96-79 win over Gallaudet on December 6, 2006. The Spartans have won three of the last six regular season Capital Athletic Conference championships.
He has been responsible for recruiting and coaching all 19 of the Spartans' 1,000 career point scorers while he has also brought in 15 players who earned 19 first-team All-CAC accolades and nine second-team All-CAC honors. He has also guided two Capital Athletic Conference Player-of-the-Year winners (Chad McGowan and Nick Brady) and four CAC Rookie-of-the-Year award winners (Jason Saurbaugh, Chad McGowan, Nick Brady and Julian Watson). McGowan and Brady both went on to earn prestigous NABC All-America honors. McGowan was a two-time honoree including being a first-team selection in 2006-07 while Brady was a 2009-10 third-team pick.
Prior to coaching at York, Gamber was an assistant basketball coach at Millersville University for eight seasons. Gamber also attended Millersville where he played four years of basketball and three seasons of baseball. He majored in secondary education while at Millersville. He was inducted into the Millersville Athletic Hall of Fame on October 17, 2003.
In 1995-96, Gamber and his wife, Donna, instituted a program called the "Three Point Attack." The "Three Point Attack" is a program devised by the National Association of Basketball Coaches to help raise funds for cancer research. The Spartans have been ranked in the top 20 in all of college basketball for funds raised in each of the last 12 years, and they were the top Division III program in the country for funds raised in each of those years. Gamber was awarded the NABC Division III Recognition and Appreciation Award at the 1996 Final Four. The award was given as recognition of an outstanding example of how Division III coaches make their college community and town a better place to live.
Gamber was inducted into the York College Athletic Hall of Fame on October 2, 2004. He earned his induction for his dedication and success in running the Spartan Athletic Department and his achievements as men's basketball coach. Gamber has also been inducted into the Millersville University Athletic Hall of Fame and the York County Athletic Hall of Fame.
Gamber and his wife, Donna, reside in Dallastown.


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Deciding whether you have enough money to retire can be a difficult and stressful process for many.
Have too little money, and you risk running out when it's too late to recover. Having "too much" money is probably a nicer problem to have, but it's still a problem — it means you may retire later than you could have, or finding out you constrained your lifestyle more than you needed to.
For most, the goal in seeking out guaranteed retirement income is to strike a balance between these two forces. Guarantees through annuities can provide a minimum floor to ensure that income never dips uncomfortably low, and as long as the guarantee is in place, the costs will really only reduce the upside, not the downside. Yet engaging with such guaranteed retirement income solutions presents a difficult challenge: just how much should you guarantee?
One of the popular approaches to tackle this question, as discussed by fellow RetireMentor Wade Pfau, is the "income floor with upside potential" approach; a version has also been advocated by economist Zvi Bodie in his Worry-Free Investing book. The basic concept is that you set aside enough assets to get guaranteed income for your "minimum" or "essential" expenses that you need in retirement, and then invest whatever is left over in a reasonable portfolio. If markets cooperate, you can ratchet up your lifestyle in the future with the money that was invested. If markets go the other direction, your guaranteed income floor has assured that your essentials are still covered.
There's just one problem: most of us don't have a lot of agreement about what constitutes essential versus discretionary spending in the first place!
Sure, discretionary spending represents "wants" and essential spending is about "needs" — which is fine, until you sit down with your spouse and try to decide whether eating out a few times a month, having cable television, or taking an occasional vacation is a want or a need. Yes, in the strictest interpretation, all of these would probably be wants. But in the real world, for most of us this represents the essentials of our lifestyle.
Which means if you ever had to strip all of these expenses out because we couldn't afford them after falling back on our guaranteed retirement income in a disastrous market scenario, you might not feel so relieved by having that income floor after all! Yes, you're not broke, but no, you can't afford the lifestyle which you enjoy and to which you've grown accustomed.
Which means in the real world, protecting just "some" of your retirement income might not actually be such a desirable strategy. Instead, an all-or-none approach may actually be preferable; either guarantee everything that's needed (even if it requires using all the assets and there's no more upside), or guarantee nothing and just set spending low enough relative to the portfolio that it's virtually assured to last all the years of retirement anyway (this is popularly known as a "safe withdrawal rate" approach).
So what do you think? If you guaranteed part (but not all) of your retirement income and ever had to cut your lifestyle down to just those "essentials" would you still call your retirement a success?
Or do you ultimately view retirement income guarantees as an all or none decision, which means you'll keep working and saving as long as necessary to ensure, either by guaranteed income products or simple conservative spending relative to assets, that all of your retirement goals can be fulfilled for the rest of your life?


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Merci. Gracias. Danke. However you say it, there's no better thank you gift than a Shari's Berries thank you gift. Not only are they incredibly sweet, wonderfully imaginative and fantastically delicious, but they're all available in one easy-to-shop spot.
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Baseball's free agent season has begun but, as always, it's more than merely an auction. Who enters the market, who signs first to set a price and who's available via trade will have significant effects on a free-agent class that's weaker than most years. USA TODAY Sports' Paul White examines five key dominoes who could tilt this market:
FREE AGENCY: Teams make qualifying offers
David Price, LHP
The "will they or won't they" question around the Tampa Bay Rays is an almost annual rite. Their staff ace and 2012 AL Cy Young Award winner has two years left before reaching free agency. Thus, the time is ripe – at least in terms of potential return – for the Rays to consider doing what they've done with Matt Garza and James Shields two of the past three offseasons.
Those deals not only brought Rookie of the Year candidate Wil Myers into the Rays outfield but also added Chris Archer and Jake Odorizzi to the pitching pipeline that allows Tampa Bay to continue making these trades.
It takes a team with a wealth of young talent and the wherewithal to try to sign Price beyond the two remaining years of control. The Dodgers and Rangers are among teams that might fit but no team qualifies more than St. Louis.
If they were of a mind, the Cardinals could say, "Anybody but Michael Wacha," and start talking.
Regardless, a Price trade changes the market more than any other potential move.
Curtis Granderson, OF
The first step for Granderson was the Yankees' decision Monday to make the qualifying offer that would get them draft-pick compensation should he sign elsewhere.
Granderson must declare by Nov. 11 whether he'll accept the $14.1 million, a decent salary for a 32-year-old who played in just 61 games. If so, take a free agent off the market but add to the intrigue surrounding the Yankees.
Granderson would remain in an outfield that already has Brett Gardner, Alfonso Soriano, Ichiro Suzuki and Vernon Wells under contract. That lives little room should the Yankees seek an offensive upgrade – Carlos Beltran perhaps.
They could consider eating the $6.5 million owed Suzuki, but the $24.6 million due Wells and the $19 million due Soriano are pretty much untradeable as well as significant drains on a payroll the Yankees prefer to keep under the $189 million luxury tax threshold.
Should Granderson choose free agency, it could be a huge step in the opposite direction. There's already the specter of Alex Rodriguez's $26 million for next year coming off the books if and when an arbitration decision is rendered on his 211-game suspension.
Suddenly, the Yankees could be spenders, especially because they can try to backload long-term deals (like one for free agent Robinson Cano) because Wells, Soriano, Suzuki and maybe even Derek Jeter come off the books after next season.
Shin-Soo-Choo, OF
Not the best position player available, but certainly close enough that he can drive the market.
The outfielder with 20-homer power and a .423 on-base percentage this year is attractive to plenty of teams. The fact that he shares agent Scott Boras with Jacoby Ellsbury, the one outfielder most certain to get a better deal than Choo, likely plays into the strategy.
If Boras concentrates on getting Choo a significant deal early, he sets the bar that he can insist Ellsbury should clear. Count on that bar having nine figures and leaving Boras in position to play out the Ellsbury scenario deep into the winter.
Masahiro Tanaka, RHP
The star of the Japanese champion Rakuten Golden Eagles hasn't officially been placed into the posting system, but he'll change the pitching market.
Tanaka, who is expected to be posted after going 24-0 with a 1.27 ERA during the 2013 regular season, would jump to the top of the list of available pitchers that for now starts with A.J. Burnett, Ervin Santana, Hiroki Kuroda, Matt Garza and Ubaldo Jimenez.
Tanaka's posting fee could top the record $51.7 million the Texas Rangers paid to negotiate with Yu Darvish two years ago, but that's only the beginning of questions surrounding the right-hander with a devastating split-finger fastball.
Tanaka lost Game 6 of the Japan Series on Saturday, the day after his 25th birthday. It was his first loss since August 2012 and he threw 160 pitches. Then, he came back the next night to pitch the ninth inning as his team won the series.
The other glitch will be likely changes in the posting system. Major League Baseball and its Japanese counterparts haven't announced expected revisions currently under negotation. One likely change is that a posted player would be able to choose to negotiate exclusively from among the three teams with the highest posting bids instead of just the highest bidder.
Joe Nathan, RHP
Relief pitching is always a volatile market. The Texas Rangers weren't inclined to keep paying the going rate for Nathan even if he hadn't exercised an opt-out clause.
Coming off 43 saves and a 1.39 ERA, his lowest since 2008, Nathan, who turns 39 this month,
clearly tops a closers market that also includes Grant Balfour, Chris Perez, Fernando Rodney and Joaquin Benoit.
As usual, plenty of contenders have an opening. They include (in order of willingness and ability to spend) Detroit, Cleveland, Oakland and Tampa Bay, but others such as the Yankees, Angels and Blue Jays could at least take a look.
Regardless, Nathan's deal will either set the market or be the signing that teams want to get ahead of with a lower-priced deal for someone else.


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Whitesnake and I have found a great website... My Special K which has daily exercise tips and food plans. Here's one of the recipes we found on the site.
Serves 1
- ½ garlic clove (2g), crushed
- 1 small (23g) onion, peeled and diced
- 1 tablespoon (20g) reduced-fat crème fraiche or low fat sour cream
- 1 teaspoon (5g) olive oil
- 1/2 cup (100g) cooked basmati rice
- 100g extra lean minced beef
- 2 tablespoons (50g) canned red kidney beans, drained
- 2 teaspoons (10g) chilli sauce
- 2 teaspoons (12g) Worcestershire sauce
- 80g tomato pasta sauce
1. Heat the oil in a non-stick pan and fry the onion until soft.
2. Add garlic and minced beef to the pan and fry over a high heat for about 5 minutes until the mince is browned.
3. Stir in the pasta sauce, Worcestershire sauce, chilli sauce and red kidney beans, bring to the boil and then simmer for about half an hour
4. Serve with the cooked basmati rice and crème fraiche.
KB's Tips
I substituted tomato pasta sauce with a can of Moroccan tomatoes. Yum!
Rinse the rice before cooking rather than afterwards, the rice will be less starchy.
KB and Whitesnake
Here's the linky, you know what to do...
More Simply Delish recipes listed here


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Arts & Events
Great Characters and Staging Win in Masquers' "Expecting Isabel"
"Expecting Isabel" by Lisa Loomer at the Point Richmond Masquers Playhouse has a talented and well-rehearsed cast of actors that keeps the action fluid and energetic. Playing several characters with well-defined dialects and different embodiments, there is a surprise every few minutes.
It's a comedy about a couple who wants a child, with all the twists and misgivings they go through to try to either conceive or adopt. Playwright Lisa Loomer is best known for her play "The Waiting Room," and for screenwriting "Girl Interrupted."
Director Michael Sally cast well and made sure there was no lag time or missed cues.
It is played on a bare stage with a blue diorama. Furniture appears and disappears without a hitch or calling attention to the movement.
Abhi Katyal as the husband Nick, is a talented young actor with the ability to be natural and interesting. He plays an Italian-American fellow, and once you get past the ethnic incongruity, he does it well with just enough gesticulation and trace of an accent to be believable.
Shay Oglesby-Smith, who plays the wife Miranda, has been the Masquers "go-to" leading lady with a record of outstanding musical theatre and character performances. She looks a bit senior to her partner, and in this role does not draw our sympathy as she might. She is angular and easily irritated, and shies away from showing us the depth of heartbreak and confusion that her journey toward motherhood must stir up internally. Though playing a WASP with a hereditary emotional shield, she never lets the mask drop.
The couple seems to lack an emotional connection. The trap in these plays with many asides to the audience is that the presentational style carries over into the dyad acting and interferes with true communication and intimacy.
Wide-ranging characterizations of an Italian-American Catholic family, adopting parents support group, and sundry roles are done with pitch-perfect dialect and differentiation by Richard Friedlander, David Irving, Rachel Kaplan, Katina Letheule, Loralee Windsor and Vicki Zabarte. Roles of potential baby-mothers looking to give up their infants are portrayed with humor and pathos by Rachel Stella Kaplan and Vicki Zabarte. Nick's Italian mother-- played by Ms. Letheule with her novenas and superstitions--and Miranda's WASP mother--played by Ms. Windsor with her martinis and tidbits from entertainment magazines – are especially buoying and memorable.
The play is a little formulaic, but the characterizations save it. More connection between the principals would have taken it from enjoyable to moving.
It's out by 10 pm, and gets a recommend for non-controversial comedy from this reviewer.
Masquers Playhouse, 105 Park Place, Point Richmond, CA
Fridays and Saturdays through Feb 23 with Sun Mats Jan 27, Feb 3 & Feb 17
http://www.masquers.org / (510) 232-4031


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July 16, 2019 @ 09:42 AM
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Make a deposit of faith when choosing where to keep your money
Editors' note: Sounding Board is one person's take on a many-sided subject and does not necessarily reflect the opinions of U.S. Catholic, its editors, or the Claretians.
Supporting your local credit union is an investment in the community that you can bank on.
I remember when I got my first savings account passbook. I was about 8 years old. My dad took me to the local branch of Wells Fargo Bank in Sacramento, California and the bank manager explained how a savings account worked—and I had my first hint of the high math of "compound interest." She gave me my little blue passbook with embossed gold lettering and showed me where to sign my name.
Most of my deposits were money accumulated from birthday gifts, allowances, and chores. I felt proud to save this money. I was excited to put it in the Lenten milk carton collections for children in Africa or for the homeless, happy to make my addition to the collection basket at Mass. My money was helping people—my family, my church, and people who needed some extra assistance.
When I moved to Washington in 1986, I opened an account at a D.C.-based bank with a branch a few blocks from where I lived. But over the course of 20 years that bank was bought by Bank of America. I switched to another regional bank, but it was bought by Wachovia. A few years ago, Wachovia was bought out by Wells Fargo. But it wasn't the same Wells Fargo I had grown up with.
Until the 1980s U.S. banks served three basic functions: providing security for money, facilitating payment for goods or services (checks, credit cards, wire transfers), and extending credit. By law they were limited to operating within their state of incorporation and barred from investment banking and speculative trading. Policies kept banks responsible to local communities and businesses. Between 1940 and 1980 there were fewer than 260 bank failures, compared to more than 2,800 since.
The Reagan-era rush to deregulate successfully chipped away at the policies that made this system work. The coup de grâce came in 1999 when Congress overturned the Glass-Steagall Act. For the first time since the Great Depression, commercial banking and speculative investment banking could take place under the same roof. Big banks could create the conditions for an international financial crisis with no regulator big enough to stop them. Within 10 years we were back into a Great Recession.
In 2009 Wells Fargo merged with Wachovia to create a "superbank" with $1.4 trillion in assets and 48 million customers. Along with Bank of America, JPMorgan Chase, Ally Financial, and Citigroup, Wells Fargo stole the homes and life savings of hundreds of thousands of Americans. It's also been found guilty of charging a higher interest rate to African American and Hispanic home buyers and lying to customers to secure subprime loan agreements. Additionally, Wells Fargo is the second largest investor in one of the top three owners of private prisons in America.
As a Catholic and as an American, I was not happy with Wells Fargo. Finally last year, I again moved my money, this time to Lafayette Federal Credit Union.
I love Lafayette. It's local. It's half a block from work. Charlotte, the branch manager, knows my name. Sometimes they even have a candy dish with peppermints. It's a financial institution where I actually prefer to go inside and talk to the teller rather than simply use the ATM. I enjoy talking to the neighbors and catching up on local news. And it pays better.
Believe me, the move wasn't easy. In the age of "e-money"—direct deposit, bill pay, online banking, ATMs, etc.—it is difficult to untangle the many wires that run through one person's bank account. There were multiple waiting periods and possible fines, but it was all worth it.
I had an "exit interview" with the Wells Fargo bank manager. I listed all the reasons I thought big banks were acting as an unregulated scourge across the American economy and that Wells Fargo had just been convicted of practicing its own form of redlining. I told him that credit unions were on the upswing and were hiring—maybe he could get a job with one of them! He made a few notes and politely—and swiftly—ushered me out of his office.
One of the first questions to ask when assessing one's own financial social responsibility is: How quickly does my dollar leave my neighborhood? Generally speaking, the bigger the financial corporation, the quicker your dollar exits.
Credit unions, as we know them today, originated in Europe in the 1800s as financial self-help cooperatives among small business owners and farmers in particular locales, geared toward providing for and protecting their economic sovereignty. Many of them were started by Catholics and were based on principles of Catholic social teaching. For example, both St. Anthony Claret (1807-1870)—founder of the Claretians, who publish this magazine—and Franciszek Stefczyk (1861-1924) worked in rural areas to establish credit unions among poor farmers. Both wanted farmers to own their farms and market their own crops, and they understood that financial health is intimately connected with family and local community.
As immigrant Catholics brought credit unions to America, they became organized around seven principles that reflect Catholic teaching: voluntary membership, democratic governance, member control of capital, autonomy and independence, education of members and the public in cooperative principles, cooperation between cooperatives, and concern for the local community. Most credit unions today are still built around these principles.
The bottom line for a good credit union is that it exists to help people, not to make a profit. For example, I became a member of my new credit union when I bought a $50 share. When members make deposits into various accounts, funds are pooled together. Then the funds are lent to other members at reasonable, lower interest rates.
As a not-for-profit institution, credit unions do not have stockholders whose votes are weighted by the amount of stock they own. Credit unions are democratic, one-member-one-vote institutions. My credit union hosts a financial literacy center, is a member of the Credit Union National Association, and generates tens of thousands of dollars for the Capital Area Food Bank. According to the Credit Union National Association rate index, credit unions on average pay higher interest than banks on personal savings and checking accounts and charge lower interest on credit cards and loans.
In his 2009 encyclical Caritas in Veritate, Pope Benedict reminds us that "grave imbalances are produced when economic action, conceived merely as an engine for wealth creation, is detached from political action, conceived as a means for pursuing justice through redistribution." In other words, when governments don't properly regulate markets, then those same governments can't ensure that their citizens are adequately provided for.
Are all credit unions created equal? Of course not. Some credit unions have minimized their investment in local communities. Some may not invest according to an aggressive social screen. Some have taken on more corporate customers or increased real estate lending portfolios, both of which expose them to broader market risks. And they often aren't as convenient when it comes to online banking or ATMs (though this is changing rapidly).
One advantage of big banks is, well, they're big—as in geographically spread out. If you move often it might be difficult to maintain relationships with a local bank. And if you regularly transfer money to accounts outside of your bank—and especially outside the United States—you'll find big banks can accommodate this more smoothly.
If you consider moving your money from a big bank to a local bank, credit union, or other community development financial institution (CDFI), here are some questions to ask them: Where do you invest customers' funds? Did you take bailout money? Do you sell your loans or hold them? What social screens do you have on your loans? How do you use your profit? What are your requirements for membership? Do you participate in "credit pools" or "shared banking" and with whom?
The U.S. Catholic population is currently about 77.7 million, just under 1 in 4 Americans. If every Catholic family moved its money from a big bank to a credit union—as an act of Catholic public witness—we could both stabilize our economy and evangelize for our church. There may even be a Catholic credit union near you.
I no longer have a savings passbook and my tithing isn't through a Lenten milk carton, but my money is once again helping people. And that's what money should be about—building strong relationships in the service and love of God. What's your money doing?
"And the survey says..."
1. I currently do my banking with:
43% - A credit union.
17% - One of the big banks.
13% - A small community bank.
24% - Some combination of the above.
3% - Other
2. I have moved, or plan to move, my money from a big bank to a credit union.
54% - Agree
27% - Disagree
19% - Other
Representative of "other":
"My personal and business banking circumstances are a nightmare of entanglements. Switching would have to be well thought out and carefully planned."
"I already have my money in a small community bank."
3. Credit unions are fine for smaller personal accounts but not for things like home loans and retirement savings.
9% - Agree
84% - Disagree
7% - Other
Representative of "other":
"It depends on the credit union and its community ties."
4. I couldn't give up the convenience of having an account with one of the big banks.
10% - Agree
83% - Disagree
7% - Other
5. I feel more confident having my money in a big bank than having it in a local credit union.
6% - Agree
89% - Disagree
5% - Other
6. Where I invest my money has nothing to do with my faith.
20% - Agree
76% - Disagree
4% - Other
7. I believe what caused the economic recession was:
33% - Lack of government regulation on big banks.
22% - Big banks' speculative investing.
17% - Predatory lenders.
2% - Irresponsible borrowers.
26% - Other
Representative of "other":
"A combination of all of the above."
"Greed and a lack of morality."
This article appeared in the February 2013 issue of U.S. Catholic (Vol. 78, No. 2, pages 27-30).
Image: Flickr photo cc by myfuture.com


text: Home- Academics- Departments and Programs- Russian and Eurasian Studies- Khaldei Photography Collection Menu Menu Khaldei Photography Collection Colgate has a unique tie to the life and work of the famous Soviet photographer Yevgeny Khaldei, whose images of WWII and its aftermath defined that history for generations of viewers. About Khaldei Yevgeny Khaldei, 1917–1997, captured half a century of striking images of Soviet history. One of the most famous photographers of World War II, he covered that conflict from its opening hours in the far north through to the taking of Berlin and eventually the Nuremberg Trials. In 1948, he lost his job, either because of the post-war frenzy of antisemitism which began in that year and continued until Stalin's death, or because he was an admirer of Tito, who had broken with Stalin: either reason would have sufficed. He slipped into obscurity. For years, his photographs were reproduced in Russia and in the west without his name on them. In 1995, 50 years after the war's end, he began to be exhibited again in Europe and the United States. Connection to Colgate In the 1990s, Khaldei worked together with Colgate professors Alice and Alexander Nakhimovsky and held the first U.S. exhibition of his work at Colgate. He went on to present further exhibitions in New York, San Francisco, and elsewhere. Khaldei also worked with the Nakhimovskys on compiling a retrospective of his work,Witness to History: The Photographs of Yevgeny Khaldei (Aperture, 1997). He died just before the publication of that book and before the completion of a film about his life and work. During his two visits to Colgate, Khaldei was very taken with the students he met, and he made an extremely generous donation of photographs to the university. Some of our collection is on display outside the Russian and Eurasian Studies Department in Lawrence Hall, while most of the collection is held in Colgate's Picker Art Gallery. Academics Majors and Minors Departments and Programs Africana and Latin American Studies Art and Art History Asian Studies Biology Chemistry The Classics Computer Science East Asian Languages and Literatures Economics Educational Studies English Environmental Studies Film and Media Studies Geography Geology German History International Relations Jewish Studies LGBTQ Studies Linguistics Mathematics Medieval & Renaissance Studies Middle Eastern and Islamic Studies Music Native American Studies Neuroscience Peace and Conflict Studies Philosophy Physics & Astronomy Political Science Psychological and Brain Sciences Religion Romance Languages and Literatures Russian and Eurasian Studies Academic Program Program Courses Faculty and Staff Student Theses Khaldei Photography Collection Sociology and Anthropology Theater Women's Studies Writing and Rhetoric Off-Campus Study Core Curriculum Research Fellowships & Scholarships Scholars Programs Pre-Professional Planning Academic Calendar University Catalogue Course Offerings Libraries RELATED LINKS


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If you missed Julie Goldman's stand-up performance at Dinah when we posted it on the site earlier this week, you must watch it. Seriously. It's so funny it will make you cry. Go ahead, watch it now — I'll wait …
Dinah 2008 Logo Comedy Cocktail Hour: Julie Goldman
See, you'll never be able to use the word lezzilla again without laughing, will you?
New Yorkers can catch Julie Goldman in her one-woman show, The Julie Goldman Offensive, tonight at the Puffin Room, or next Saturday, April 26 at the Culture Project (go here for more details on both shows).
(New Yorkers can also catch one of my new favorite comics, Gloria Bigelow, at Ruby Fruit almost every Monday night; check out Gloria's MySpace profile for more info, and look for an interview with Gloria on AfterEllen.com in the next month or so.)
Many of you have asked Bridget McManus to create T-shirts for her new "sorority" (if you don't know what I'm talking about, watch this), and she has kindly obliged through her Zazzle store. Here are a few of the items in her store, including a "Run Cocky Run!" shirt. (Of course she'd take the rooster's side over mine!)
Bridget's new logo is courtesy of AfterEllen.com reader (and graphic designer) Kayla Jones, who also created new graphics for the Gay Girls Who Game and Retro Reviewing vlogs, and is working on some other cool graphics for us, as well. Thanks, Kayla!
If you live near L.A. and still can't get enough of Bridget after all the Dinah videos, you can see her live and in person as the main event in her upcoming show, Tall Dark and Random, at the M Bar on May 8 at 8 p.m.; buy tickets here before the show sells out. You can also see Liz Feldman and her blazer performing live at Akbar on April 22 at 8 p.m., and on AfterEllen.com again very soon. Like, this weekend, maybe. (Hint!)
As for Jill Bennett, Dara Nai and Karman Kregloe, you'll be able to see them on AfterEllen.com again next week when they debut the first of several special (i.e., random) episodes of We're Getting Nowhere between now and the end of June, when they'll begin recapping the first season of The L Word. Yes, that's right, it's more fun with sock puppets! I can't wait to see them re-enact the scene in which Dana brings the gang to stake out the Soup Chef's restaurant.


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Nick Taborek, Medill News Service
Hand washing bill garners support
Some Illinois legislators are trying to make good hygiene the law in the state's public schools. Read more
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Nature Connects: Art with Lego bricks by Sean Kenney
Marvel at 13 larger-than-life displays created from nearly half a million Lego bricks. Read more
Jul 17, 2019
Troll Hunt
A journey to find the larger-than-life guardians of the forest. Read more
Jul 17, 2019
Bronzeville Echoes: Faces and Places of Chicago's African American Music
Explore Chicago's music legacy through ragtime, jazz and blues in an exhibition that highlights the contributions of important places and people that shaped the music scene. Read more
Jul 17, 2019


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Beginning Tuesday, Alabama drivers must show proof of insurance to purchase or renew a tag or title for their vehicles.
Beginning Tuesday, Alabama drivers must show proof of insurance to purchase or renew a tag or title for their vehicles.
The Alabama Mandatory Liability Insurance Law states that no one will operate, register or maintain registration of a motor vehicle unless it's covered by a liability insurance policy, according to Section 32 of the Code of Alabama.
Etowah County Revenue Commissioner Linda Barrett-Vaughan said Etowah County will abide by the law and encourages people to be aware of changes to prevent delays in service.
"Effective Jan. 1, no tags or titles for any motorized vehicle will be issued without proof of valid driver's license and liability insurance," Barrett-Vaughan said. "Please bring in both documents in order that our office may handle your business without delays."
According to the state law, tag office employees who issue license plates will try to verify liability insurance policies through the State of Alabama Online Insurance Verification System, which allows immediate confirmation of the insurance status of any vehicle.
If insurance can't be verified through the online system, the vehicle owner will have to provide proof of insurance to the employee, according to Barrett-Vaughan. The proof of insurance must include a current effective date, insurer's National Association of Insurance Commissioners number, the vehicle identification number and policy number.
Penalties for providing fake insurance information include a six-month suspension of the car owner's vehicle registration and a $200 reinstatement fee.
A valid driver's license, non-driver identification or national driver's license must be presented for each owner listed on the vehicle title for renewal.
Barrett-Vaughan expressed thanks to the public for working with her and tag office employees as they strive to comply with the new state law.


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Drug resistance has gone global, WHO says
World Health Organization reports that antibiotics are failing worldwide against infections
Microbes resistant to frontline antibiotics are now widespread around the world, posing a risk that infections routinely vanquished by drugs in the past won't be susceptible to them in the future. A World Health Organization report issued April 30 finds high resistance rates in diverse quarters against common microbes causing tuberculosis, pneumonia, diarrhea and infections of the blood, wounds and the urinary tract.
In addition to well-known staph, strep and E. coli bacteria, WHO cites increasing drug resistance in bacteria causing salmonella and gonorrhea as well as in nonbacterial agents that cause HIV and malaria.
Without concerted disease surveillance and collaboration to slow the spread of resistant microbes, the world is headed for a "post-antibiotic era," warns Keiji Fukuda, WHO assistant director-general for health security.
WHO divides the globe into six regions. It found that five of the six had reported high rates of resistance in hospital-related cases of E. coli and Staphylococcus aureus. Drug-resistant Klebsiella pneumoniae showed up in all six regions.
Antibiotic groups losing their punch include the penicillins, fluoroquinolones, cephalosporins and carbapenems. Resistance to drugs results in higher death rates from disease, longer hospital stays for those who survive and higher medical costs.
Antimicrobial Resistance: Global report on surveillance. World Health Organization. April 30, 2014.
B. Mole. How to kill the last microbes standing. Science News Online, November 13, 2013.
B. Mole. Unsolved Drugs. Science News. Vol. 185, May 3, 2014, p. 18.


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ROI Health for Collaboration Solutions in Healthcare
The Healthcare industry whether payer, provider, pharma or medical device manufacturer finds itself at a very interesting crossroad: the patient is the center of attention and each entity now has an increased focus in achieving outcomes from delivered services.
For providers care coordination of at risk patients in particular accountable care, the threat that re-admissions pose, the need to move non critical patients from ER to more cost effective walk-in facilities; operational efficiencies in specialty access, nursing operations and a flattening of in-patient revenue and the need to build referrals for acute care are driving changes to existing business models.
Pharma is long past blockbuster drugs and the merger and acquisition spree to diversify its drug portfolio and is certainly not immune to an outcome centric approach. Pricing will be determined by outcomes and pricing erosion by generics. Pharma will look at ways and means to reach out to patients to manage adherence, making clinical trials more efficient and simultaneously collaborating with other organizations for research into newer drugs.
Medical device manufacturers are seeing new buying centers in the US as a result of the payment sunshine act and in Europe the muscle of a buying consortium. A significant portion of the portfolio is subject to commoditization from players from China and Turkey amongst others. These manufacturers are taking their case to emerging markets and are looking to services to protect their franchise in mature markets.
Finally payers are reacting to the changes brought in by the Accountable Care Act. The exchanges, (look what happened to the payers before and after the exchange became operational in Massachusetts), 50 million new enrollees will enter the system, some through the exchanges others through Medicaid expansion, limits on administrative expenses, no rescission just to name a few. Payers are experimenting with accountable care models, some consolidating managed care medicaid assets, info-medic technologies or simply acquiring hospitals to become payer providers.
This is a "services" moment for the healthcare industry, service that focuses outcomes.
Healthcare providers are responding to changes in the business needs, analyzing opportunities to drive operational efficiencies as well as delivering care through accountable care models. Accountable care requires access to patients wherever they are in the care continuum- in hospital, extended nursing, skilled nursing, hospice or home. Care needs to reach the patient in any care setting. This shifts the paradigm from patients walking in the door to receive care to care coordination and care being delivered to the patient anywhere. Technologies such as video and telehealth can bring access to the patient in any care setting, allowing borderless delivery of healthcare as a service.
As provider systems vie for patients, patient experience and outcomes will be key differentiators. Smart hospitals with technology can provide the creative edge as well as enable new ways to deliver care. In room videos that provide entertainment, education, physician rounding, EMR access for visiting physicians, patient access to families, surveillance and monitoring, connecting patients to nurses can significantly enhance care, experience and with collaborative multi specialty access from specialists anywhere impact even outcomes. Whether in-patient with acute conditions, outpatients in rehab or with chronic conditions payments will be tied to quality cost and access. As care transitions from one setting to another systems needs to integrate the delivery of healthcare and manage these transitions. Provider systems may see the need to share assets such as EMR, PACs, Quality management, analytics and deliver them as a service to the extended ecosystem.
With access and new business models such as accountable care the nature of healthcare will gradually change from prescription to participation. Care coordinators will draw in physicians and specialist to oversee patient examination. Immersive video and Telehealth will allow a group of specialists to examine and determine a treatment plan.
Collaboration across the care continuum is key and immersive collaboration with high definition video is centric to this change. Video in some form or the other has been around for over 25 years, but it existed in pockets or as some would like to call it science projects it never became mainstream. For collaboration video to become mainstream it has to address business problems and become part of the business architecture, in essence integrate into the IT architecture. Standalone video collaboration systems create islands of automation but do not integrate into hospital business assets the scheduling, EMR, ePACS, billing and quality management systems. Further they lack scalability.
As Healthcare operations integrate care pathways with collaboration and participation, home health, care coordination they need to work with various technologies video, wireless, the need to accommodate smart phone, smartPADs – location, context, security, content creation and distribution, delivery of smart Apps, contact centers and patient relationship management. Healthcare services have to be delivered using the network as a platform. This needs the business architecture to be integrated to the IT architecture and the IT architecture to the Network architecture. The network architecture can be built on a solid medical grade network that is smart, intelligent, extensible, sustainable, flexible, modular, scalable, interoperable, economical and future proof. This is complex and needs a strong architectural foundation with services and applications that use these services.
At the end of the day is there an ROI?
Over the past year we have worked on various models to define a potential ROI for the new healthcare needs. We took a business centric approach looking at the business problem and then identifying value drivers that either brings operational efficiencies or drive new revenue. We focused healthcare segment provider, pharma as well as medical device manufacturers. We built several models some for our customers and validated them:
- Accountable care – to what extent can collaboration, video and Telehealth solutions increase cost savings and improve quality metrics to increase the shared savings
- Corporate Campus Clinics – how can Telehealth extend the reach to satellite branches, increase uptake through specialties at the main campus and the spoke branches driving benefit both to the Company in increased savings as well as increased penetration and revenue to the medical service provider
- What is the business justification for Telehealth and video to assist in reducing readmissions
- What is the ROI in moving patients from ER to Urgent care and how could that change be managed
- The business justification for using collaboration technologies to increase referrals as well as build specialty networks for operational efficiencies
- Is there an ROI in Training and education?
Some of these models looked at problems that were not driven by reimbursement but had enough value drivers to deliver hard savings and justify the investment. Our models show there is a positive ROI in each of these settings.
As any model goes any change is multidimensional. Any new delivery model should become part of business strategy. A structure should be created to implement this new strategy; appropriate architecture approach and platform solutions should drive the strategy, processes need to change to implement the strategy, finally people should be trained with appropriate change management to make this work.
Is there an ROI, yes but the health of that ROI will depend on how well the organization manages this multidimensional change.
In an effort to keep conversations fresh, Cisco Blogs closes comments after 60 days. Please visit the Cisco Blogs hub page for the latest content.


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The Law of Liberty
When James speaks of the "law of liberty," he is speaking of the whole law of God as interpreted by Jesus. Because the ceremonial law has been fulfilled by Christ, we are no longer bound to keep its ceremonies and ...Read More
The Royal Law
The law against showing partiality to the wealthy shows up first in Leviticus 19 (v. 15), the same chapter where we read that we must love our neighbors as ourselves (v. 18). Thus, we can see that treating all of ...Read More
Heirs of the Kingdom
Though it is not sinful to be rich, there is the danger that the more money we have, the more likely we are to spend all of our money selfishly on ourselves. However, the Bible tells us that this is ...Read More
No Partiality
In today's passage, we see the high Christology of James who refers to Jesus as the "Lord of glory" (v. 1). His glory is that which is to be esteemed above all else in the church. Thus there is no ...Read More
Undefiled Religion
Does your relationship with Jesus impact others? Do you know when to bridle your tongue for the sake of edifying other believers? Does your relationship manifest itself in a religion of service that helps to provide for widows and orphans ...Read More
Doers of the Word
"The law of liberty" (v. 25) refers to the whole of the Word of God, more specifically, the old covenant laws and promises and their fulfillment in Jesus Christ. How do you look at the Law? Do you go to ...Read More
Recieve With Meekness
Are you continually making an effort to receive the "implanted word" with meekness and humility? Are you being diligent with the tools that help you learn the Word of God such as Bible study and hearing the preached Word? Take ...Read More
Slow to Anger
All of us can recall times when we were too quick to speak and not quick enough to hear the whole story. Some of the most hurtful things that we have said or that have been said to us have ...Read More
Every Good Gift
Though it is hard for us to understand, the Bible is clear that even in evil God is working out good things for His people. In the midst of the most terrible circumstances, God prepares good gifts for us, some ...Read More
Temptation's Source
God is never responsible for the evil in this world or the temptations that may produce it. He may ordain evil for the purposes of His good plan, but all wickedness that comes about is from the evil inclinations of ...Read More


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Hollywood Cathedral
I've been playing around in Hauptwerk and while it sounds amazing (especially piping it through Spaces) it's just not really built to be sequenced. It doesn't behave like a PLAY plugin that saves its state with your (in my case, Logic) project and doesn't allow multiple instances of it.
It also really, REALLY wants you to have three keyboards, which I would prefer to do as separate tracks.
Using multiple PLAY instances or keyswitches to toggle stops would be a lot easier than teaching Hauptwerk how to change on MIDI events.
Seems like a good fit for Composer Cloud now that we have a few "small" instruments like the Harp. I know this has been talked about in years old threads but I just wanted to make sure it's known it's still plenty desired, by me at least.
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Ashcreek District Neighborhood Guide
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Featured NeighborhoodBoise / Mississippi Avenue
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iLightBox · Revolutionary Lightbox Plugin
What's iLightBox?
iLightBox allows you to easily create the most beautiful responsive overlay windows using the jQuery JavaScript library.
By combining support for a wide range of media with gorgeous skins and a user-friendly API, iLightBox aims to push the Lightbox concept as far as possible.
- jQuery capabilities.
- Responsive design.
- 6 ready to use skins.
- Native browser fullscreen support.
- Cross browser, supports Chrome, FireFox, Safari, Opera and IE7+
- Device friendly, works in iPhone, iPad, Android Devices and Windows Phone.
- Highly User Interface Design.
- Fully customizable, it's possible to customize or redesign all parts of iLightBox.
- Search engine optimized (SEO)
- YouTube and Vimeo videos are supported.
- Video auto recognition from sites.
- Smart Content recognizer
- Option to preview thumbnail over navigation.
- Advanced JavaScript API considered.
- Smart resource loader
- Simple clean & valid markup
- Developed with pure object oriented JavaScript
- Multilanguage support
- Keyboard support
- Touch support
- Mouse support: (Click, Wheel)
- Extended HTML documentation
- Powerful, documented API — public methods, properties, callbacks
What are buyers saying:
"Greetings, this is amazing lightbox! Nice Job! Modern, lightweight and just awesome."
"AH! there we go… now everyone can see the 6 star rating this deserves :D"
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—Ciccio Pasticcio
"great plugin, supper easy, I bought it 15 minutes ago, and I have already integrated it with WooCommerce without even reading the docs.
I don't even have to think about how many stars should be given to this plugin, I have already rated it 5 stars.
Thanks for the great job."
You can find more reviews from real buyers in comments page.
To be able to help solve a problem quickly, please read the entries below. I will do my best to assist you. I provide a full range of technical support except:
- I don't support 3rd-party code (external plugins, javascripts, flash players, etc.). In those cases you have to contact the authors.
- I don't support errors provoked by the strong modification of the original packages.
- I don't customize the packages in personal way.
- If you sure that your improvement ideas will be helpful to others, please don't hesitate to share it with me. Most likely that it will became a free package update.
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