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I'm Michel Martin, and this is TELL ME MORE, from NPR News. Coming up, unemployment is up, the GDP is down, but economists are still kind of happy - well, as happy as economists get. NPR's Marilyn Geewax is going to interpret all that for us in just a few minutes. But first, we turn to a debate that our national leaders are finally taking up again over how to fix an immigration system that just about everybody agrees is broken.
Earlier this week, both President Obama and a bipartisan group of senators presented ideas for doing that, but we were thinking this would be a good time to check in with two leaders who are close to the issue because they lead cities that are close to the southern border. Scott Smith is the mayor of Mesa, Arizona. He's a Republican. Welcome back, Mayor Smith. Thanks for joining us once again.
MAYOR SCOTT SMITH: Thanks for having me.
MARTIN: And David Coss is the mayor of Santa Fe, New Mexico. He's a Democrat. Mayor Coss, welcome to you.
MAYOR DAVID COSS: Thank you for having me. Great to be with you.
MARTIN: So, Mayor Smith, I'm going to check - I'm going to go to you first. We spoke with you last during the Republican National Convention back in August, and we talked a little bit about immigration ideas back then. At the time, you said that the Dream Act, the president's deferred action plans that would, you know, offer a path to citizenship for people - young people who were brought here, you know, by their parents as minors and so forth - but anyway, you said that those were Band-Aids, that they were counterproductive. So talk about the latest ideas coming out of Washington. Do you think that they do a better of job of actually addressing the issue?
SMITH: Well, I think they do a better job, and there's no doubt that the election in November changed that discussion from when we were talking in Tampa in August. It gave a certain sense of urgency, and it also made Republicans realize this was an issue they could no longer ignore. If they did so, they did so at their own peril.
I was very, very encouraged by both the president and the senators coming out and actually putting something on the table that I think begins a serious discussion with hopes for some serious action.
MARTIN: So what's the most important thing going forward that you would like these federal leaders to keep in mind, from your perspective as a local leader who's probably sort of seeing this every day?
SMITH: Well, you know, the problem with our immigration debate is we seem to talk about the wrong things. Or if we talk about things, we don't recognize how important this is to us. There's a couple of things we deal with here in Arizona, and that is, in local cities, we bear the brunt of immigration that is not fixed.
We bear the brunt of the - in Arizona, because we are a corridor for organized crime, human smuggling, drugs, all those things that now have seemed to come together. Our local police, our local citizens, we see this every day. And yet sometimes we feel like we get no real support, because it gets lost in the rhetoric.
But on the other hand, immigration is, at the foremost, an economic issue. Whether we're talking about unskilled labor, or whether we're talking about being able to meet the needs of a world economy in the 21st century with highly skilled labor, we seem to not really hit the whole thing during the debate.
MARTIN: OK. Mayor Coss, what about you? What's the most important thing you want national leaders to keep in mind, from your perspective as a person who's seeing this every day?
COSS: Well, you know, I think first, I agree with a lot of what Mayor Smith was saying. But I want them to hurry. You know, this has been an issue in our communities for decades now that costs us as a community every day. I think the most important thing is to bring our community members that are without documentation right now, give them some legal status. Bring them out of the shadows and let them participate in our communities.
MARTIN: You know, you actually talked about this. You talked about the immigration issue during your State of the City speech last October.
COSS: Right.
MARTIN: And one of the things that you said is that one of the reason that New Mexico allows young people, regardless of immigration status, to attend college if they graduated from a New Mexico high school, and that with proper identification, you issue drivers licenses so that people can work and attend to the daily business of life. Talk a little bit more about that. And is that something that you want national leaders to pursue as a model as they go forward?
COSS: Well, you know, I absolutely do want national leaders to pursue that, and I'm really pleased that the state of Illinois recently signed legislation allowing drivers' licenses. But I think one of the most important stories in Santa Fe, in my community, are the Dreamers, are the young people that are here that may have come when they were two or three or five or six years old that are now - they're now in college.
They're some of the energy and the vitality in the Santa Fe community, and in the New Mexico community. So we thought, as a state, it just made sense to support their educations and to support their ability to get an education and to get a job with the driver's license program. So - and I'm very proud of what my state has done and what my city has done in terms of dealing with immigration, but we really do need the federal government - I'm so encouraged by the president and Congress right now - to act quickly.
MARTIN: If you're just joining us, we're talking about some of the immigration reform ideas. But we are checking with two local leaders who are both leading cities in border states: Mayor Scott Smith from Mesa, Arizona, Mayor David Coss from Santa Fe, New Mexico. Mayor Smith, one of the things we were noticing is, you know, Arizona has been very much in the news because of a very tough stance, what is described as a very sort of tough enforcement-driven stance on immigration.
New Mexico is taking a different road, even though, you know, they both have Republican governors. They're both led by women, interestingly enough. But they seem to have a very different philosophy around these issues, and I was just wondering if you agree with my assessment, Mayor Smith. And why do you think that is?
SMITH: Well, they do have different philosophies, because they're - even though we're neighbors, our histories are intertwined, the immigration issue and experience in New Mexico is very different than the issue in Arizona. Arizona is now the funnel. Arizona is where well over half the traffic of human smuggling passes through.
Illegal drugs - a vast majority of illegal drugs now pass through Arizona. And that's due to geography. That's due to where our highways and cities are located. We have become the superhighway. So we have a very different experience with the bad side, the down side, the organized crime side.
And it's very different than Texas, New Mexico or California. Everything seems to have funneled through Arizona. And I think that's built up, very much, a frustration here that there's a - that stems from a lack of trust that the federal government truly understands our issues. A lot of the things that are done in Arizona are really acts of desperation, in many ways, and screams of frustration help deal with this. And that's very different than what I've found, you know, the other border states. The attitudes are very different here.
MARTIN: Can I ask Mayor Coss about that? What do you think about that, Mayor Coss?
COSS: Well, you know, New Mexico used to be part of Mexico, so we do have a very different attitude and experience. I think the issues that Scott's mentioning of human trafficking, drug trafficking, organized crime, we do experience those in New Mexico. We're having gang-related shootings and murders right in my city, in my region, which is almost 300 miles north of the border.
And, you know, I share Mayor Smith's frustration at the lack of inaction from the federal government. But it's not just in enforcement that we always need that help. It's in recognizing how many families live and work in our communities that need to come out of this legal limbo that they've been in for sometimes now decades. And that's holding back our town.
MARTIN: Mayor Smith, can I run something by you? A number of people - including the so-called Gang of Eight senators - suggest that the border needs to be secured before undocumented immigrants can seek citizenship. President Obama, in his remarks, suggested on Tuesday that the border is already secure. I just want to play a short clip from his remarks.
PRESIDENT BARACK OBAMA: We've put more boots on the ground on the southern border than at any time in our history. And today, illegal crossings are down nearly 80 percent from their peak in 2000.
MARTIN: So, Mayor Smith, do you think that that's true? Do you think that the border is already secure, and that now it's time to turn to other matters?
SMITH: I think that's the problem, is that nobody knows how to truly define what secure is. And I know that in Arizona, that's a big deal. And I think what we'll have to do to get some sort of agreement is come to some level of trust. There's no way that I think you can define some objective standard that is going to make everybody happy. But what you can do and what I think would go a long way is become some sort of mechanism, some sort of plan that states that the federal government truly is putting forth an effort and I think that means the administration needs to move a little bit and recognize that there's a lack of trust.
On the other side, those who are clamoring for security, needs to understand that having a zero tolerance border is not achievable, but there are things that can be done to make people have trust that the effort is there - whether it be internal enforcement, whether it be new boots on the ground. I don't know what the answer is, but that's certainly going to be a major issue between bringing the two sides together - is that there be some sort of plan, some level of trust that that's an important issue and it's being dealt with in a level that makes people feel comfortable.
Right now, they don't in Arizona. I think that the federal government certainly has stepped up their efforts, but you know, I don't know how you make everybody happy on that. We're going to have to find common ground.
MARTIN: Mayor Coss, I'm going to give you the last word. Do you feel trust or confidence? Perhaps we could put it that way, that - or even, perhaps, vindication, that the issue that so consumes so much of your time and energy is finally getting the attention that it deserves, and do you feel that there will be some kind of plan put into place, at least in the...
COSS: You know, I think...
MARTIN: ...in the near future?
COSS: I think the time has come. I think my community - all of us U.S. citizens and immigrant community feel very hopeful right now to see the president and Congress taking this issue on. I don't think enforcement is our first priority. I think the Obama Administration has done more enforcement and more work than anybody else ever has, but we in Santa Fe and New Mexico don't really want to see a militarized border.
I think, again, the most important thing are the families and the workers that are with us right now in New Mexico, and giving them a status where they can be part of our communities, full members of our community, getting educations, getting jobs, starting businesses, raising families. That's just critical right now.
MARTIN: David Coss is the mayor of Santa Fe, New Mexico. He's a Democrat. He joined us from there. Scott Smith is the mayor of Mesa, Arizona. He's a Republican. He spoke with us from NPR member station KJZZ in Phoenix, Arizona.
Thank you both so much for joining us, mayors, both.
SMITH: Thank you.
COSS: Thank you. Good job, Scott. Transcript provided by NPR, Copyright NPR.


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Shedding Self-Doubt in the Workplace
Tara Mohr
Tim Muma
- June 2, 2017
While we all like to believe we're confident in our skills and experiences at work, everyone battles with a level of self-doubt. Interestingly, women's leadership expert Tara Mohr says that confidence means little in this regard. Tara is the author of "Playing Big: Find Your Voice, Your Mission, Your Message," and she describes to Tim Muma the key strategies you should be using to shake off your own self-doubt and the doubt...
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Conversations to Help Develop High Performers
William Dann
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- November 30, 2016
One key to long-term, sustainable success is the level of performance put forth by each employee. Not every person comes to your organization as an 'A' player, but there are ways to bring them up to high performer status. William Dann, founder and president of Professional Growth Systems, leverages his years in management and as a CEO to discuss the types of communication that develops high performers. He also explains to T...
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The Psychological Health of Your Workplace
Alan Cavaiola
Tim Muma
- September 21, 2016
The psychological health of one's workplace, and the varying factors that may contribute, can be a vitally important issue. To discuss a number of areas to consider and the impact, Dr. Alan Cavaiola joins Tim Muma on LJNRadio. Dr. Cavaiola is a licensed psychologist and a professor in the Department of Psychological Counseling at Monmouth University. He brings some terrific insight into the psychological aspect of work, the...
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The Effects and Perceptions of Crying at Work
Anna Ranieri
Tim Muma
- September 18, 2016
Many places of work can bring about an array of emotions on each end of the scale, and yet it's always been taboo to actually break down and cry in a vast majority of cases. Career counselor and executive coach, Anna Ranieri, joins Tim Muma to discuss the different reasons an employee might cry at the office, and what impact that can have. Anna looks at gender differences, the perspective of colleagues versus management, an...
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Manager's Guide to Getting Results
David Dye
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- September 12, 2016
Managerial success could be defined in a number of ways, but there's no denying the path to such success has changed over the past few decades. The workplaces, cultures, expectations and employees have all evolved and it impacts the way a manager can effectively run a team. David Dye, founder and president of Trailblaze, Inc., explains to Tim Muma how motivation is a myth and quality teams start with hiring. David also give...
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Unlimited Vacation Perks and Challenges
Courtney Seiter
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- January 28, 2016
On the surface, getting unlimited vacation sounds like the perfect benefit for any employee. Until you've been put in this situation, however, you don't realize the mental hurdles that need to be overcome to take full advantage of this terrific perk. Courtney Seiter, head of content marketing for Buffer, brings us her first-hand experiences with unlimited vacation, and how Buffer made adjustments to ensure the best for its...
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Value of Strategic, World-Class Customer Service
Anne MacKeigan
Tim Muma
- September 29, 2015
With the push to virtual connections and technology-based services, there's a case to be made that customer care needs a greater strategic focus than ever before. Anne MacKeigan, customer care program specialist for Sandler Training, brings us her perspectives and examples on how customer service creates a highly-desired, repeat customer base. She explains parts of her book, "CUSTOMER SERVICE THE SANDLER WAY: 48 Rules For...
Employment Notebook
Poor Performance and Who is to Blame
Tina Hallis
Tim Muma
- September 16, 2015
When it comes to important workplace topics, employee performance ranks near the top. However, when someone is performing poorly, who should actually be blamed for it? Tina Hallis, founder of The Positive Edge, tells Tim Muma it's not always as simple as it might seem. Depending on the situation at hand, there could be a few people who need to share the blame and look to improve moving forward.
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Ideal Work Schedule and the Circadian Rhythm
Christopher Barnes
Tim Muma
- September 14, 2015
Many people work on similar schedules, give or take a few extra hours. The more research that is done, however, shows that individuals need to be checking their own, personal clocks to get the most out of their efforts. Christopher Barnes, assistant professor of management at the University of Washington's Foster School of Business, talks with Tim Muma about the Circadian Rhythm and how it impacts our energy, focus and prod...
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The Impact of Procrastinating With Your Retirement Planning
Rick Martin
Tim Muma
- August 4, 2015
Many people put off retirement planning until they see the horizon, which often puts them in a bad spot when the time comes to leave the workforce. Rick Martin, senior financial planner for Szarka Financial, breaks down the ways that delaying your retirement planning can harm you down the road. He explains to Tim Muma how each year of waiting decreases value and increases the chances you'll need to work well past retirement...
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The Ark Brought to Jerusalem. 1a David again assembled all the picked men of Israel, thirty thousand in number. 2Then David and all the people who were with him set out for Baala of Judah to bring up from there the ark of God, which bears the name "the LORD of hosts enthroned above the cherubim."b 3They transported the ark of God on a new cart and took it away from the house of Abinadab on the hill. Uzzah and Ahio, sons of Abinadab, were guiding the cart,c 4with Ahio walking before it, 5while David and all the house of Israel danced before the LORD with all their might, with singing, and with lyres, harps, tambourines, sistrums, and cymbals.d 6As they reached the threshing floor of Nodan, Uzzah stretched out his hand to the ark of God and steadied it, for the oxen were tipping it. 7Then the LORD became angry with Uzzah; God struck him on that spot, and he died there in God's presence. 8David was angry because the LORD's wrath had broken out against Uzzah. Therefore that place has been called Perez-uzzah* even to this day. 9David became frightened of the LORD that day, and he said, "How can the ark of the LORD come to me?" 10So David was unwilling to take the ark of the LORD with him into the City of David. David deposited it instead at the house of Obed-edom the Gittite.
11The ark of the LORD remained in the house of Obed-edom the Gittite for three months, and the LORD blessed Obed-edom and all his household.e 12f When it was reported to King David that the LORD had blessed the household of Obed-edom and all that he possessed because of the ark of God, David went to bring up the ark of God from the house of Obed-edom into the City of David with joy.g 13As soon as the bearers of the ark of the LORD had advanced six steps, he sacrificed an ox and a fatling. 14Then David came dancing before the LORD with abandon, girt with a linen ephod.* h 15David and all the house of Israel were bringing up the ark of the LORD with shouts of joy and sound of horn. 16As the ark of the LORD was entering the City of David, Michal, daughter of Saul, looked down from her window, and when she saw King David jumping and dancing before the LORD, she despised him in her heart. 17i They brought in the ark of the LORD and set it in its place within the tent which David had pitched for it. Then David sacrificed burnt offerings and communion offerings before the LORD. 18When David had finished sacrificing burnt offerings and communion offerings, he blessed the people in the name of the LORD of hosts, 19and distributed among all the people, the entire multitude of Israel, to every man and every woman, one loaf of bread, one piece of meat, and one raisin cake. Then all the people returned to their homes.
20* When David went home to bless his own house,j Michal, the daughter of Saul, came out to meet him and said, "How well the king of Israel has honored himself today, exposing himself to the view of the slave girls of his followers, as a commoner might expose himself!" 21But David replied to Michal: "I was dancing before the LORD. As the LORD lives, who chose me over your father and all his house when he appointed me ruler over the LORD's people, Israel, not only will I make merry before the LORD,k 22but I will demean myself even more. I will be lowly in your eyes, but in the eyes of the slave girls you spoke of I will be somebody." 23Saul's daughter Michal was childless to the day she died.
* [6:8] Perez-uzzah: this Hebrew phrase means "the breaking out against Uzzah"; see note on 5:20.
* [6:14] Girt with a linen ephod: the ephod was some sort of priestly vestment (probably like an apron); cf. Ex 28:4; Jgs 17:5; 1 Sm 2:18, 28; 14:3; 22:18; 23:6. The cultic procession that accompanies the ark to the holy mountain, Zion, is led by King David, dancing ecstatically and wearing a priestly vestment.
* [6:20–23] Michal's reaction to David's dancing comes from her conception of how a king should comport himself. David rejects this understanding, saying he needs no instruction from the house of the failed king, Saul.
a. [6:1–11] 1 Chr 13:1–14.
b. [6:2] Ex 25:10; Jos 15:9; 1 Chr 13:6; Ps 132:8–10.
c. [6:3] 1 Sm 4:3–4; 6:7–8; 7:1; Dn 3:55.
d. [6:5] Ps 68:24–25; 150:3–5.
e. [6:11] 1 Chr 26:4.
f. [6:12–23] 1 Chr 15:1–29; Ps 24:7–10.
i. [6:17–19] Lv 1:1–17; 3:1–17; 1 Chr 16:1–3.
j. [6:20] 1 Chr 16:43.
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Grandy out 10 weeks after pitch breaks forearm
TAMPA, Fla. -- The Yankees arrived at camp wondering how they would make up for the power that was subtracted from their lineup over the winter. Now, they'll have the added challenge of opening the season without their leading home run hitter.
Outfielder Curtis Granderson, who paced the club with a career-high 43 homers last season, sustained a fractured right forearm during his first plate appearance of the spring on Sunday and is expected to need 10 weeks for a full recovery.
Granderson was drilled by a fastball from Blue Jays left-hander J.A. Happ in the first inning of New York's 2-0 Grapefruit League loss on Sunday at George M. Steinbrenner Field. X-rays taken by Dr. Daniel Murphy in Tampa revealed the fracture.
"My body was feeling good, my arm was feeling good, ready to go," Granderson said. "Five pitches in, we've got a little setback. It could be worse, but now we rest, recover, get it back and get ready to play whenever that day comes."
Granderson returned to the stadium after getting the diagnosis wearing a soft form-fitting brace on his forearm. The injury is expected to keep the 31-year-old out of action at the big league level until early May.
That instantly added new questions to the Yanks' game plan, as the club planned to have a starting outfield of Granderson, Brett Gardner and Ichiro Suzuki in some alignment on Opening Day.
"We'll have to sit down and figure out what we're going to do," Yankees manager Joe Girardi said. "Grandy is not a bat that you easily replace, but we're going to have to find a way."
Granderson joins the list of power-hitting 2012 Yankees who will be absent from the Opening Day roster as the club aims to defend the American League East title while bracing to score fewer runs this season.
A group of seven players -- Granderson, Alex Rodriguez, Russell Martin (now with the Pirates), Raul Ibanez (now in Seattle), Nick Swisher (now in Cleveland), Eric Chavez (now with the D-backs) and Andruw Jones (now in Japan) -- were responsible for contributing 155 home runs to the Bombers' attack last season.
"We might have to score runs a little bit different way," Girardi said. "Every person's opportunity, a lot of times it's because of an injury. Sometimes you just kind of push your way through, but sometimes, it's because of an injury and someone gets to shine and ends up being there a long time."
Granderson's injury promises to create more spring playing time for non-roster invitees Matt Diaz and Juan Rivera, as well as young switch-hitter Zoilo Almonte. Girardi also mentioned the names of Melky Mesa and Adonis Garcia among his choices.
Yankees general manager Brian Cashman said that it is too soon to say how the team will proceed, considering exhibition games just started and pro scouts have had little time to look at internal and external options, but Diaz and Rivera figure to be high on the list of in-house choices.
"They're already guys competing for a spot on the club anyway," Cashman said. "That continues. We'll be forced to take a look at a short-term option at the same time. We'll obviously be getting Curtis back, just not until May."
Cashman said that he did not consider Eduardo Nunez, who played three games in left field for the club in 2012, as an outfield choice.
"Not necessarily for me, but it could be [an option] for other people," Cashman said. "I don't see that as something that is an option from my perspective."
The injury also abruptly ended the Yankees' experiment of having Granderson play left field in Spring Training, testing the waters of a position switch.
Granderson played just a half-inning in left field, and Girardi said that the injury likely cements that Gardner will be New York's Opening Day center fielder.
"Everything up to this point was all just trial, just to see how it's all going to be," Granderson said. "Who knows? When I come back it may be something they consider, or they may just scrap it and get me back ready to go the best, easiest way possible. The biggest priority is to come back."
Happ called the Yankees' clubhouse to check on Granderson after the plunking, according to Granderson, who said that it was "definitely nothing on purpose."
"He's trying to work and come inside, it's part of the game," Granderson said. "Pitches get thrown inside a lot. It's not going to be the first time, not going to be the last time."
In the meantime, Granderson said that he would try to keep a sunny outlook while he aims to rejoin the Bombers' lineup for the second month of the season.
"I've always had that mindset that you only can control what you can, and the situation is what it is right now," Granderson said. "To be down, pout, all of those things right now isn't going to change anything. We just continue to move forward.
"Obviously, it's a big bump in the road, but you move and keep your body ready to go, and mentally stay focused and ready to go. I'm always looking forward to the season, so that's not going to change. It just might be a little different start date, that's all."


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There's a view that politics and national security should be oil and water–that some iron rule of Washington should make the two impossible to mix. In reality, it doesn't work that way. Even so, Susan Rice's removal of her name from consideration to be Barack Obama's next Secretary of State is what happens when the fallout from a genuine national security disaster runs headlong into the electrified domestic politics of an election year.
It's hard to know whether the United Nations Ambassador truly reached this conclusion on her own, or whether she accepted the White House's view that, with the nation's fiscal future in the balance, this is no time for an ugly confirmation fight with Republicans. But Rice was surely correct when she said, in a public letter to the president, that "the confirmation process would be lengthy, disruptive and costly" to the president's priorities. "The tradeoff," she added, "is simply not worth it to our country."
(MORE: Obama: Attacks on Rice 'Unfair and Misleading')
Either way, Obama must see this as an unusually bitter political defeat. He is personally close to Rice, who led his 2008 campaign foreign policy team, and whom he had previously defended with a certain gusto. ("If [Republicans] want to go after somebody, they should go after me," he growled last month.) Obama was also said to believe that a president is entitled to choose his foreign policy–a view many liberals invoked when they grudgingly confirmed another woman named Rice as Secretary of State seven years ago.
It's hard to believe that Rice's chief Republican opponents, who include Senators John McCain and Lindsey Graham, really think she was complicit in a political cover-up of the true nature of the September 11 attacks in Benghazi that claimed the life of four Americans. The ostensible case against Rice rested on the strange idea that, in several television appearances on September 15, she should not have repeated information vetted for public consumption by the intelligence community. This is a particularly odd complaint at a time when conservatives are up in arms over alleged national security leaks from this White House.
(MORE: Pros and Cons of Picking Susan Rice for Secretary of State)
The Republicans' motives are impossible to know. But other theories for their intense opposition to Rice are at least as persuasive. One is that Rice's chief tormenter, John McCain, carries both a personal disdain for her (Rice was a withering critic of McCain's foreign policy in 2008) and a kinship with his fellow Vietnam War veteran, John Kerry, who is currently assumed to be a shoo-in for the job. Kerry's nomination would also, perhaps not incidentally, give the recently-ousted GOP Senator Scott Brown a chance to reclaim his seat, reducing the Democrats' Senate majority by one. Another is that Rice was a lightning rod for lingering Republican anger over the Benghazi tragedy in general. Although Rice's statements, inaccurate as they were, were reasonable for the still-confused moment at which she made them, the White House's public commentary, including some of Obama's own statements, did take a curiously long and meandering path to the truth at a time when Mitt Romney was trying to use Benghazi as a battering ram against Obama's record on terrorism. It might not have been "the biggest cover up in history"; it might not have been a cover-up at all. (There's no evidence that it was.)
But many Republicans remain convinced that, in the heat of a campaign, politics influenced the White House's response and have not gotten over it. "When it comes to Benghazi I am determined to find out what happened — before, during and after the attack," Graham said in a statement after Rice's withdrawal. "Unfortunately, the White House and other agencies are stonewalling when it comes to providing the relevant information. I find this unacceptable."
Some think Rice could have survived the assault over her Benghazi comments–but not more recent criticism on other fronts–including her investment portfolio and her record on Africa dating back to the 1990s. Critics were also painting a portrait of Rice–one her allies call unfair and even sexist–as brusque and undiplomatic. (Compounding her woes was a recent tour of Capitol Hill that only seemed to make her predicament worse.) One Capitol Hill source with close ties to Obama's foreign policy team recently told TIME he thought these additional issues might be the decisive factor in preventing her from succeeding the soon-to-depart Hillary Clinton as America's top diplomat.
There may yet be a happy ending for Rice, who is reportedly eager to leave her New York-based assignment and return to her family in Washington. Obama is said to be considering making Rice his next national security advisor–a position with less prestige but far more influence over foreign policy than Secretary of State–and one that doesn't require the approval of cranky senators. The hitch is that Obama's current national security advisor, Tom Donilon, is happy in his job–and while he might happily leave it for Clinton's job, he could face his own confirmation headaches.
(VIDEO: 10 Questions for Susan Rice)
But if a solution can be found, Rice's critics may wind up regretting this fight. Back when Obama was preparing to take office in 2008, he made it known he wanted the intelligence community insider John Brennan to run his CIA. Outraged liberals shot down the pick, arguing (probably inaccurately) that Brennan had been complicit in harsh Bush-era detention and interrogation policies. So instead, Obama installed Brennan in a West Wing office steps away from his own, as his counter terrorism advisor. Brennan is now among the administration's most powerful figures, largely directing the global campaign against terrorism. If Republicans genuinely believe that Susan Rice can't be trusted to handle national security, they may wind up wishing that she had become a diplomat abroad, not a policymaker in the West Wing.


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Apple Inc., formerly Apple Computer, Inc., is an American multinational corporation headquartered in Cupertino, California that designs, develops, and sells consumer electronics, computer software and personal computers. Its best-known hardware products are the Mac line of computers, the iPod music player, the iPhone smartphone, and the iPad tablet computer. Its software includes the OS X and iOS operating systems, the iTunes media browser, the Safari web browser, and the iLife and iWork creativity and production suites. The company was founded on April 1, 1976, and incorporated as Apple Computer, Inc. on January 3, 1977. The word "Computer" was removed from its name on January 9, 2007, reflecting its shifted focus towards consumer electronics after the introduction of the iPhone.
Apple is the world's second-largest information technology company by revenue after Samsung Electronics, and the world's third-largest mobile phone maker after Samsung and Nokia. Fortune magazine named Apple the most admired company in the United States in 2008, and in the world from 2008 to 2012. However, the company has received criticism for its contractors' labor practices, and for Apple's own environmental and business practices.
As of November 2012, Apple maintains 394 retail stores in fourteen countries as well as the online Apple Store and iTunes Store. It is the second-largest publicly traded corporation in the world by market capitalization, with an estimated value of US$414 billion as of January 2013. As of September 29, 2012, the company had 72,800 permanent full-time employees and 3,300 temporary full-time employees worldwide. Its worldwide annual revenue in 2012 totalled $156 billion. In May 2013, Apple had made it to the top ten of the Fortune 500 list of companies for the first time, taking the 6 position, 11 places up from the previous year.


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Most Americans and Germans agree: More trade between the United States and the European Union would be a good idea.
But when you get down to details of a possible trade pact, suspicions pop up, according to a new poll conducted by the Pew Research Center in association with Germany's Bertelsmann Foundation.
"There is a lot of fear" now in Europe about how much Americans might pry into Europeans' lives if they could impose their more relaxed privacy standards on the EU, Aart De Geus, CEO of the Bertelsmann Foundation, said at a conference in Washington on Thursday.
De Geus presented the survey results along with Bruce Stokes, director of Global Economic Attitudes at Pew Research.
First, the two pointed to the overall positive response: When asked whether a U.S.-EU trade deal would benefit their respective countries, 53 percent of Americans and 55 percent of Germans said that "it sounds like a pretty good thing," Stokes said.
But when asked whether they would welcome one of the key provisions — namely, adoption of uniform regulatory standards for U.S. and EU goods and services — a trade deal becomes much less attractive to Germans. In the wake of last year's revelations about U.S. spying, 85 percent of Germans say they prefer European regulations for data privacy.
Documents released last summer by Edward Snowden, a former contractor for the National Security Agency, suggested the United States gathered information from around the world, including Germany. That has generated "a huge backlash" in Germany, De Geus said.
In contrast to the Germans, about 3 Americans in 4 think it would be good to harmonize regulations among trading partners, but that positive attitude may reflect their assumption that U.S. standards would prevail, Stokes said.
Stokes said the White House will continue to work on building support for a proposed Transatlantic Trade & Investment Partnership, and likely would ask Congress to vote on it next year. That's because "failure will have a cost," he said.
For example, Europeans may draw closer to China, and end up selling more goods into the growing market, leaving the United States behind, Stokes said.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Pastel Botanical Illustration Art No.3 8"x12"
FSC Certified Forest Wood
A Focal Point of Your Wall
230 gsm Fine Art Paper
The poster has a printed white border, and the size marked includes both the center motif and the white margin around it.
The poster is printed with excellent inks on a FSC certified 230g/m2 premium art paper with matte finish. The first class material combined with the top level design deliver a remarkable and incredible piece of art.
Frame is not included.
- How do I know if my order went through?
Once your payment go through, we will send a E-mail to the address you entered when you submit information at checkout. If you do not receive it, pls contact us. We will find out the problem.
- Can I cancel my order?
Most of the time, orders will be picked and packed within 24 hours. You can try to cancel it within 6 hours of your order. But we can not guarantee that we can cancel it successfully. We always try to ship your order as soon as possible.
- How do you ship parcels?
We choose different couriers based on buyer's location and order size.
- How long will the delivery take?
It depends on where you are.
United Kingdom
5-9 business days with flat rate of 3.8 GBP. Free shipping for orders over 37 GBP.
United States
6-10 business days with flat rate of 4.99 USD. Free shipping for orders over 49 USD.
6-12 business days with flat rate of 9.99 AUD. Free shipping for orders over 68 AUD.
6-12 business days with flat rate of 7.99 CAD. Free shipping for orders over 63 CAD
4-7 business days with flat rate of 580 JPY. Free shipping for orders over 5699 JPY
6-10 business days with flat rate of 4.49 EUR. Free shipping for orders over 44 EUR
- Why is there not tracking update?
When transit internationally, the tracking info of package may not update before it is cleared by local customs and entry is granted into your country. Please wait patiently and there will be updates once the process is completed.
- How can I track my order?
You can track your order through the link in the E-mail we send you after your payment go through.
- I don't receive it.
Pls check your PO box to see if it's there or any message courier left there. If you still can not get it, pls contact us.
- How do I return my order?
Pls contact us through the return link in the order confirming mail you received, there will be a thorough guide on it.
- When will I get the refund?
We well issue refund once we receive your parcel and confirm that everything is OK. So it will depends partly on the shipping days. And time consumed by banking system also effects it.
- How will I get the refund?
If you pay through a credit card or debt card, the refund will be returned to the card you used. If you pay through paypal, the refund will be returnded to your paypal account.
- Is there a fee for returns?
Yes, customer pays for the return.
Amazing and Stunning
Stylish Designs
Fill your blank wall and make it pop with our trendy wall arts. It will be the focal point of your home and bring compliments when others visit your home.
Mix and Match
Gallery Wall for You
Mix posters with different sizes and motifs, and frame them with our oak wood frames. Complete the gallery wall with photos of your own which witness precious moments in your life.
You can also find gallery wall inspirations meticulously arranged by our designers.


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Unfortunately the vehicle you are looking for is no longer available. Please click here to return to our home page.
Select traditional parameters like make, model, year and engine size.
Looking for finance and unsure what you can afford? Start your search here.
Looking to finance your next vehicle? Use our friendly Affordability Search to help find vehicles that best match your current financial situation, budget and lifestyle.


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Broadly arching bright green leaves. These plants give an exotic look to any garden.
Broadly arching bright green leaves. These plants give an exotic look to any garden.
Broadly arching bright green leaves. These plants give an exotic look to any garden.
Our customers have the option to checkout as a guest so there is no need to set up an account with us. However, we do offer you the opportunity to create an account with us if you wish which does make checkout easier and quicker if you decide to return in the future.
The benefit of an online store means our customers can place and pay for an order anytime of the day and outside our regular office hours. However, if you are experiencing difficulties ordering online please contact us and we will be happy to assist you with your order.
Yes! Plants make lovely gifts for all sorts of occasions and receiving it gift wrapped makes it even more special. You can add our gift wrapping service before placing the item in your basket and view the gift wrapping charges before confirming. This is an optional service which you can select for individual items. Please note this service is available mainly for the smaller products we sell.
You can choose to have your item delivered to any UK mainland address that is different to your billing address. We will check this information with you when you are confirming the address details at the checkout stage. Our delivery information page has full details of our delivery charges and information.
You can add or remove items at any point during your online shop with us. Simply click on the basket to view your shopping and you will have the option to remove or edit the quantity of the items in your basket. There will also be the opportunity to review your purchases and amend before you complete your payment transaction.
When you place an order with us you should receive an automated order confirmation by email. This will be sent to the email address you provided at the checkout or when you registered. It is therefore important that you provide a valid email address so we can send you confirmation and contact you about your order if necessary. Please check your junk/spam folders as the confirmation email may have ended up in one of these folders as our details will not be in your contacts.
If the payment has come out of your bank account but you haven't received an email confirmation from us we will need to check if we have received your order. It's possible that the internet connection may have been interrupted when you placed the order and the email confirmation has not been sent. Please check you have provided us with a valid email; this is the only way we have of contacting you – if the email address has been entered incorrectly it will not be possible for the automated email to be sent to you. It is also worthwhile checking your junk/spam folders as the email confirmation may have ended up there.
If you have not received an email confirmation from us please contact us at firstname.lastname@example.com or telephone 01590 730 075 so we can check that we have your order.
We want you to get the best out of your product and have dedicated a page on our website to help our customers care for your plants. Please remember that plants are living things and the care and attention they require will depend on the type of plant and variety.
We try our best to offer a range of products to suit all our customers, and although most of our products are suited to outdoors we do have varieties that can be kept as houseplants or a mixture of both.
Many of the varieties we stock can be kept indoors or outdoors depending on weather conditions and time of year. We also offer seasonal products including Herbs and Flowering Plants.
As you browse our products there is a helpful summary of each item to give you an idea of where it likes to be kept and how to care for it. Our Citrus products are very popular; we stock a range of trees and plants so you can find one suited to your home.
Balconies and windowsills are great spaces to keep plants; to find out what plants are suitable the Royal Horticultural Society has advice for a balcony or rooftop position. It's always a good idea to consider the position of your home with regards to light and shelter as this will help you decide what plants to purchase.
You can also buy top soil or feed from us, which can be helpful for our customers who can't get to a garden centre. You can add these items into your basket when you make your purchases.
The pictures in our listings are for illustration purposes only; however you will receive a plant that fits the listing description. Please remember that all plants are living things and even those of the same variety will differ slightly in size, shape and appearance.
When you place an order for a pair of plants we are careful to select plants that have matching trunks and look as similar as possible. We feel it is important that primarily we match the trunks as the plant can be clipped and shaped as it grows and becomes established.
It's basically an art form of clipping and shaping plants/trees into desired sculptures – sometimes this takes form as animals, people or ornamental spiral or lollipop trees. You may be surprised at some of the things that have been created in Topiary as it's down to the topiary artist who creates it! You can view a selection of Topiary Art by clicking here.
Many people enjoy Topiary as an art form or hobby. We also offer a range of Topiary Frames (frame only or with plants) and starter kits for anyone who wants to try it for the first time or perhaps buy an unusual gift.
Our smaller items are carefully packed in boxes with appropriate wrapping where necessary and clearly labelled.
To ensure plants arrive in the condition they leave we use an overnight courier service – most of the smaller items can be dispatched this way. Larger items, including deliveries to some areas of the Scottish Highlands are delivered on a 48hrs service.
You will be able to track the progress of your order online from details given to you with your order confirmation.
Please contact us for any topiary frames orders outside of the UK. If you can provide the product items you're interested in, along with your postal code, we should be able to provide a quote for the delivery charge
Unfortunately, we do not provide a delivery service for plant orders to addresses outside the UK Mainland and Northern Ireland – this is due to the time it would take our products to arrive as it would affect the quality of the plants.
We offer different delivery times at checkout. For most of the country, next day delivery is available. We offer same day dispatch on orders placed before 12:00 midday otherwise we aim to dispatch items within 5 working days of orders being placed; this is for all items in stock or season. During our peak times this may take slightly longer.
Topiary frames are hand made to order, and though we try our best to dispatch the same day, they can take up to 1 week to be dispatched.
Orders received Thursday after 12:00 midday will be dispatched on the following Monday (this is to preserve the quality of the plant and avoid them being held in a postal warehouse over the weekend).
We can arrange deliveries only to addresses on Mainland UK and Northern Ireland.
We offer our customers the option to nominate a date for their delivery, where possible. There is an additional charge for this service and you can choose your nominated date when you are at the checkout stage of your order. We cannot guarantee the time of day your package will arrive.
Saturday deliveries are possible to arrange. This is a premium service and there will be an additional charge if you opt for this.
The standard delivery charge to Mainland Great Britain address is from £7.50 per item.
Full details of all our delivery prices are listed here.
Where possible it is always helpful for someone to take receipt of and sign for a delivery.
However, if this is not convenient you can leave a brief instruction for special arrangements when you place your order such as 'leave with a neighbour' or in a safe place such as 'leave in porch'. Please note that these special arrangements are at the customer's risk.
If no delivery instructions have been supplied, the courier will leave a card providing the relevant information for you to contact the local courier depot to arrangement a second delivery.
Should an item fail to be delivered after the second delivery it will be returned to Top Topiary – please see our delivery information page for additional charges that may be incurred should this happen.
Using secure payment systems there are two ways you can pay for your shopping:
1. Shopify Payments - our shop is hosted on Shopify Inc. They provide us with the online e-commerce platform that allows us to sell our products and services to you. Payment can be made via credit or debit card, all securely processed by Shopify Inc.
2. PayPal – you will be redirected to the Paypal site where you can log-in to your PayPal account (or as a guest) to pay for your items and they will send you confirmation of your payment
You can use PayPayl to checkout as a guest by entering your credit or debit card details; or you can choose to you can set up a PayPal account which will give you the option to use this payment method with many other businesses and online purchases.
We understand how important it is to feel confident when paying for your goods online. No credit or debit card information is stored on our website as we provide our customers with secure online payments systems at the checkout. Shopify Payments is an established online payment gateway and one of the UK's most trusted; PayPal also provide this service and are used by millions of people worldwide. It's up to you which one you use and your online payment will be processed by these companies and means we have no access to your credit or debit card details.
To prevent credit card fraud and offer the highest protection to people using their services, the online payment systems ensure a number of checks are carried out. This is to verify the details you provided at the checkout match the records that your bank or credit card provider holds. If there is any discrepancy in this information it may cause the transaction to be declined; even the slightest error will be detected in the system and cause the transaction to fail. If you think this has occurred please contact us on 01590 730075 and we may be able to take your payment manually.
The convenience of our online store allows customers to place and pay for an order anytime of the day and outside of office hours. You will be required to pay online using one of the secure payment methods in order to confirm your order. If for some reason your credit or debit card transaction fails or you are having difficulties (see the information in 'Why has my payment been declined?') please contact us between 9am-5pm Monday-Friday so we can check the status of your order. If a problem has occurred we can usually then process a manual payment over the telephone.
The privacy of our customers is of upmost importance and we do everything we can to reassure our customers of this. For full details and information please see our Privacy Policy.
In the unfortunate circumstances that your plant arrives damaged please let us know within 48hrs of delivery so we can arrange a replacement – please see our Returns Information regarding items damaged in transit.
We hope all our customers are more than satisfied with their purchases but we understand that occasionally your item may not be as expected when you shop online. If this is the case we will be happy to discuss your order with you for a refund or replacement. Please see our Refunds Information for full details regarding your order. Please note that refunds are at our discretion and we are not obliged to offer a refund.
Our aim is to offer the best customer experience possible to everyone who visits our site or purchases from us. If for any reason you feel you have not received the best customer care then please write to us at email@example.com
When you make a purchase with us you will be invited to leave feedback from Trustpilot which is an online review community to help shoppers share feedback of their experiences. Once you have made a purchase with us you will receive an automated email and have the option to leave feedback.
To view our up to to date Trustpilot feedback from our customers please visit our page on Trustpilot.
We are situated in the scenic New Forest in Hampshire near the town of Lymington.
We welcome visitors to the nursery - if you would like to come and see us please contact us first so we can make arrangements for your visit. We are sorry if we have not been able to answer your question or provided the information you need in this section. If you require further information please contact us on our general enquiries address at firstname.lastname@example.com or by calling us on 01590 730075 between 9am-5pm Monday to Friday.


text:
Select a mortgage calculator. Enter a few details. Get some ballpark numbers. Easy as that!
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.


text:
Most retirees can expect to live well beyond age 65. Realistic financial planning assumes that our clients will live a long, healthy and active life. This course is not about saving for retirement, however. It's about ways the financial professional can help seniors successfully manage their finances during retirement. Just as preretirement planning is most valuable when the right strategies are used, so too is postretirement planning.
Post-retirement planning considers everything from the availability of employer-sponsored pensions, Social Security and personal savings to protecting income from inflation, medical care, and long-term care.
The financial professional must conscientiously listen to their client's concerns, combine these concerns with the facts of their situation and design a unique financial plan that meets their needs. This course provides the financial professional with the essential knowledge to accomplish this as well as the questions to ask in assisting seniors to find the best approaches to preserving and distributing their accumulated assets.
This course has been approved for insurance continuing education credit by the Maryland Insurance Administration. This Maryland CE course is approved for 5hrs of intermediate level CE credit. No classroom attendance required. OLT will beat any price on Maryland CE courses.
Course Provider: OnLine Training Institute
Maryland Provider #: 208210
Course Approval #: 102564
Provider Info | |
Provider Name | OnLine Training Institute |
Provider # | 208210 |
Course Approval # | 101590 |
Course Info | |
Satisfies State Requirements | Maryland |
License Type | Life/Health |
Course Length | 5 hours |
Enrollment Length | 30 days |
Extension Availability | Yes, a 30-day extension, for a $49.00 charge, may be requested a maximum of three times and should be requested BEFORE the course expires. |
Author/Instructor | Larry Hartmann |
5 hr CE - Post-Retirement Planning for Seniors
- Instructor: Hartmann, Larry
- Product Code: INSCE031a
Please enter information for a single student (email must be unique to the student)
Related Products
Tags: Life, Life Insurance, CE, Continuing Education, Maryland, course, online, Annuities, Retirement, Senior


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36″ x 10″ x 16″ Serp Top Slant Headstone polished front and back with 42″ Base
Remember to follow the Cemetery Checklist. Requirements may vary cemetery to cemetery. Failure to comply with cemetery regulations may result in refusal of your stone. |
If you have not done so already you can select the color of the headstone you would like. To proceed onto the next step, click Add to Cart.
The price you see is the price you pay. All of our Headstones, Tombstones and Monuments include unlimited engraving and free shipping to anywhere within the Continental United States (Shipping to Alaska or Hawaii for an Additional Charge). Extra services such as photo engraving and ceramic photo's are also available.
- Free Shipping to Anywhere in the Continental U.S.
- Proof of Layout
- Sales Tax Included
- Ten Color Choices
- Large Selection of Styles and Sizes
- Unlimited Lettering
- Large Clip Art Gallery to Choose From
- Custom Design Layout
- Large Selection of Artwork
(Shipping to Alaska and Hawaii For An Additional Charge)
Sales Tax Included


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Love Heart Chain Link Drop Earrings
- Regular Price
- $39.00
- Sale Price
- $39.00
- Regular Price
- $39.00
- Unit Price
- per
Take a leap of faith with our Love Heart Chain Link Drop Earrings! These chic earrings add a touch of daring to any outfit. Elevate your style game with these bold women's fashion accessories.
- 3 1/4" (8.5cm) drop
- 1 1/4" (3cm) width
- Post back
- Alloy
- 24k-gold plate
- Women's drop earrings
- Item #452905
Items purchased fromVIVIAN SEVEN are eligible for a full refund if returned within 30 days of purchase. If your purchase is delayed in customs, please contact customer service for approval for a late return.
You will have up to 60 days after items have been purchased to exchange for anything else on the website.
Items must be returned unworn, unwashed, undamaged, unused, and with all original tags attached.
Welcome toVIVIAN SEVEN shipping guide! We know how important it is for your items to arrive when you expect them, so please review the shipping information below to help guide your shipping selection. If you have any questions regarding estimated delivery or need help with your shipping options, please feel free to contact us!
We ship our items to all countries in the whole world.
Orders are typically shipped within 7 business days, and standard shipping orders arrive in 5 to 30 business days. You will be emailed a tracking number once your order has been shipped, allowing you to track your package progress and obtain a scheduled delivery date.
We also offer Expedited Shipping options to ensure you receive yourorder in time when you need it. It only takes about 4-10 days to ship.