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- Draft legislation
This is a draft item of legislation. This draft has since been made as a Scottish Statutory Instrument: The Town and Country Planning (Charges for Publication of Notices) (Scotland) Regulations 2009 No. 257
Draft Regulations laid before the Scottish Parliament under section 252(6) of the Town and Country Planning (Scotland) Act 1997, for approval by resolution of the Scottish Parliament.
Draft Scottish Statutory Instruments
Coming into force
3rd August 2009
The Scottish Ministers make the following Regulations in exercise of the powers conferred by section 252(1) and (1A)(a), (b) and (d) of the Town and Country Planning (Scotland) Act 1997(1) and all other powers enabling them to do so.
In accordance with section 252(6) of that Act, a draft of this instrument has been laid before and approved by resolution of the Scottish Parliament.
c.8. The functions of the Secretary of State were transferred to the Scottish Ministers by virtue of section 53 of the Scotland Act 1998 (c. 46). Section 252 is amended by section 31 of the Planning etc. (Scotland) Act 2006 (asp 17).
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The wonderful website Pixel Prospector turned three yesterday. To celebrate, they cooked up this very useful little video called 44 Free Indie Games In 4 Minutes (Multiplayer Edition). Which pretty much sums it up.
These games are all on PC and all available right now to not only play, but play and enjoy with/against another human being.
For a complete list of every game included, head to the link below.


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Home >> Course Descriptions >> College of Education
School Counseling Internship (Part A)
Three semester hours.
Practical experience will be gained in a school setting under supervision of a qualified on-site school counselor. A total of 300 hours will be required with an approximate balance between direct and indirect counseling experiences. A university lab experience with counselor education faculty is also required. Prerequisites: EDCU 5305, EDCU 5314, EDCU 5315, EDCU 5316, all remaining coursework on the degree plan, or consent of the instructor.
Home - General Information - Student Services -
Academic Undergraduate Regulations -
Undergraduate Degrees - Academic Graduate Regulations -
Graduate Degrees - Course Descriptions - Faculty -
Appendix A - Appendix B - Appendix C - Appendix D


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$1.50 off any 2 NYC New York Color Products over $3.
You can usually print 2 copies when you hit "back" and "refresh" or reload the link.
*This post may contain affiliate links...they are what helps to keep South Suburban Savings alive! However, I do my best to only post credible deals, and I participate in most of them myself. To see my full disclosure policy, CLICK HERE!


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|This is the article on volume 11 of the manga. For chapter 91, head to Desiring Apprenticeship?!.
|Desiring Apprenticeship?!
|(弟子入り志願!?, Deshiiri Shigan!?)
|Volume Info
|A Splendid Ninja…!!
|The Great Flight!!
|Release Date
|March 4, 2002 ISBN (4-08-873236-7)
|September 5, 2006 ISBN (978-1-4215-0241-0)
Desiring Apprenticeship?! (弟子入り志願!?, Deshiiri Shigan!?) is volume 11 of the Naruto manga.
Chapter 91
- "Desiring Apprenticeship?!" (弟子入り志願!?, Deshiiri Shigan!?)
Having had his instructor knocked out, Naruto attempts to make the toad sage take responsibility and help him with his training. Initially denied by the sage, Naruto uses his Sexy Technique to convince him to train him. Naruto begins training again to walk on water, and the sage noticing the seal removes it allowing Naruto to once again control his chakra. Later, Dosu attempts to kill Gaara in order to increase his chances of fighting Sasuke.
Chapter 92
- "Konoha and Oto and Suna and…!!" (木ノ葉と音と砂と…!!, Konoha to Oto to Suna to…!!)
Hayate Gekkō having seen the aftermath of Gaara's transformation is killed by Baki after the latter finishes his conversation with Kabuto. Elsewhere, Jiraiya explains to Naruto about the two types of chakra within him, and begins teaching him the Summoning Technique.
Chapter 93
- "Passionate Feelings… Everyone!!" (熱情…それぞれ!!, Netsujō… Sorezore!!)
Naruto continues to struggle with summoning toads, to Jiraiya's irritation. Meanwhile, with Konoha suspecting some sort of attack by Orochimaru, the village's jōnin prepare for the worst. Kakashi in particular trains to reach his best while also helping Sasuke with his approaching match in the Chūnin Exams. Sakura, unaware that Sasuke has left with Kakashi, goes to the Konoha hospital to visit him. There she finds Lee resuming his own training despite the injuries he received during the preliminaries. When his training only makes his injuries worse, she leaves him the flower she had brought for Sasuke.
Chapter 94
- "The Key…!!" (鍵…!!, Kagi…!!)
Worried about what Orochimaru may be planning, the Third Hokage visits the Hokage Rock to think. There he finds his grandson, Konohamaru's, Academy class learning about the four Hokage. When they doubt his qualifications as Hokage given his age, the Third assures them that he would give his life to protect each and every one of them, just as they would their own friends and family. Meanwhile, with Naruto's progress with the Summoning Technique going too slowly, Jiraiya takes drastic measures. He throws Naruto into a deep chasm, depending on Naruto reflexively using the Nine-Tails' chakra to save himself.
Chapter 95
- "A Chance Encounter…!!" (邂逅…!!, Kaikō…!!)
In Sunagakure, the Fourth Kazekage gives Team Baki their orders in regarding to the planned invasion of Konoha. Despite the team's misgivings, because they are the only Suna representatives permitted in Konoha because of the Chūnin Exams, their participation is crucial, particularly Gaara's. Meanwhile, Naruto, unable to stop his fall and fearing his death, learns to communicate with the Nine-Tails sealed within him. He convinces the Nine-Tails to donate some of its chakra to save both of their lives, and the fox complies. With its help, he is able to summon Gamabunta.
Chapter 96
- "The Unexpected Visitor!!" (突然の来訪者!!, Totsuzen no Raihōsha!!)
Gamabunta stops Naruto's fall, but is irritated both to have been summoned in a chasm and to have a kid like Naruto on his head. Naruto reprimands Gamabunta for doubting his "master", but is quelled by Gamabunta's anger. Naruto agrees to become Gamabunta's disciple if he will help them get out of the pit. Gamabunta leaps out but Naruto passes out from the strain. When he sees the toad summoning contract that Jiraiya left behind, Gamabunta discovers that Naruto really did summon him and takes him to the hospital to recuperate. When Naruto wakes up he is greeted by Shikamaru, who decided to come visit him. While talking they sense Gaara trying to kill Rock Lee, so stop him.
Chapter 97
- "A Reason for Continuing to Exist…!!" (在り続ける理由!!, Aritsuzukeru Wake!!)
Naruto and Shikamaru ask why Gaara would want to kill Lee, but Gaara has no particular reason. They point out that, being two-against-one, they have the advantage, but Gaara is unconcerned and promises to kill them too. Gaara explains that he contains a monster, his mother's life having been sacrificed at his birth to seal a demon within him and give him control over sand. In the years that followed Gaara's father tried to have him assassinated to repent for making him what he is, but Gaara killed all of his attackers. His life having been surrounded by death, he finds love by killing others. While similar, both having something sealed within them, Naruto realises that Gaara's tragic background has made him too dangerous for them to defeat. As Gaara prepares to attack, Guy arrives and forces Gaara to leave.
Chapter 98
- "A Proud Failure!!" (誇り高き失敗者!!, Hokoritakaki Shippaisha!!)
The day of the Chūnin Exams finals has arrived. Naruto is worried about his upcoming match with Neji and takes a detour on his way to the stadium where the finals will be held. He finds Hinata training along the way and speaks with her. Naruto tells her his concerns and how he, a "failure", may not be able to defeat Neji, a "genius". Hinata assures him that it is because he is not perfect, not a "genius", that he will win, as he constantly strives to improve himself, which she finds inspiring. Naruto thanks her and asks her to come watch him defeat Neji. He arrives at the stadium and stands with the other seven finalists before the audience.
Chapter 99
- "The Final Selection Begins…!!" (本線、開始っ…!!, Honzen, Kaishi…!!)
The Third Hokage greets the Fourth Kazekage, the two intending to watch the finals together. The finalists are informed of modifications to the match line-up, Dosu's death meaning that Shikamaru will fight Temari in his first match. Sasuke, similarly, has not arrived yet, and his absence will be dealt with when the time comes. Until then, Naruto and Neji prepare for their fight and the other finalists leave the arena. Hinata sits with Kiba to watch the match. Kiba notices that there are Anbu in the audience, and wonders what is happening. Naruto repeats his vow to defeat Neji, who scoffs at the very suggestion.
Author's Note
|Recently, my editor has been taking me out to really tasty eateries more and more often. I ate fugu for the first time in my life, and I've gotta tell you, it's real yummy, everybody! Next time, I want to spin my plate of fugu on top of my chopsticks before I eat it!
—Masashi Kishimoto, 2002


text:
Mountain Biker Runs Full Speed Ahead Into Little Boy
If mountain biking is considered a contact sport, it should be when you hit the ground or your bike runs into a tree.
The last thing you'd expect to hit going full bore is a little kid.
This guy was doing a practice run that seemed to be uneventful when a child appeared and they collided. No one was hurt, though.
It's just more proof you should always wear a helmet.


text:
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We can efficiently Packing and Shifting you're big and small, fragile household items with extreme care. Being spread countrywide we offer high standard personalized door to door household shifting Services in Ajmer Road Jaipur. Every aspect of household relocation services is well-taken care by our experts. Whether its movement of complete household, or just Big Bulky Materials' or even a single carton box, we take all the precautions to ensure care and safety of the materials during packing, loading, handling, transportation, and unloading deliver the materials in the same condition as if had left the starting place.
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Safely packed goods are loaded in trucks, trailers and other heavy and light duty vehicles for safest transportation. Whether it is household goods loading, industrial goods loading or unloading of cargo for shipment, we take utmost care while stacking of goods and moving heavy and light cartons. As the loading parts are important, Unloading also needs to be done by professionals to prevent last-minute damages. You can avail our professional household goods loading, industrials goods loading services at most competitive rates ensuring complete safely of goods during transit. Once goods reach their destination safely, our team unloads them ensuring safety from scratches and damages.
We strive hard to offer fast and reliable commercial shifting not only for a smooth transit but to also ensure that it is perfect to combat any unexpected danger during the transit. Our expert team packs your personal belongings as per the nature of the product with the help of your professional packing experts. We have specially trained pack-and-load technicians who employ proven packing techniques to ensure safe, on-time and on budget delivery. Our drivers are thoroughly trained and vehicles are specially designed and equipped to accommodate the safe transportation of industrial goods.
Our Car transportation services enable our clients to safely transfer their most prized possession over a long and short distance with utmost safety. Our Car shifting services include, not only transferring cars but moving all sorts of vehicles from one place to another place. Our energetic and qualified team take all necessary measures to safeguard your vehicle from all big or small hassles while loading as well as in transit. We acquire not only a fleet of well maintained covered car trailers, hydraulic elevators, canters and containerized truck but also well trained and reliable drivers to ensure quick, secure and prompt deliveries of one's vehicle. Further, our online vehicle tracking system can trace your vehicle at any given point of time. We take every care to ensure that your card doesn't get off until is safety reaches its destination.


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Sorry for the bandwidth problems darlings! I underestimated the number of views the blog gets and Photobucket is being very annoying!
Spent between Starbucks, panic attacks and oh-so-boring classes. Life in Med School, can you take the glamour?
"Just add Valium." ;D
sweater, jeans: Mango, top: Gap, booties: Nine West.
Left home at 7:30 and got back at midnight. Still more or less worth it! It went like this: Histology, Starbucks, subways, the longest Anatomy course ever, Tae-Bo class, theater, tea and bed. Coincidentally, today consisted of sleeping!
My girls :)
The play was nice. It was even nicer that I got to take photos!
Midnight tee with a lovely girl. Breath of air after water. She knows what I mean :*
Song of the Day: Muse - Time is Running Out


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Typically, your user sends network throughput problems reports as they see problem with their applications such as:
[a] FTP Transfer
[b] NFS Performance
[c] HTTP / SMTP / POP3 etc
As a sys admin you should able confirm the throughput problem. iperf is the tool you are looking to find out:
a) Network throughput problem
b) Packet loss problem
c) Datagram loss
d) Delay jitter
From the man page:
iperf is a tool to measure maximum TCP bandwidth, allowing the tuning of various parameters and UDP characteristics.
iperf works on client / server model. You need to install iperf on both client computer and server computer to measure network performance between two nodes.
Continue reading "Measure Network Performance: Find Bandwidth, Jitter, Datagram Loss With Iperf"


text:
The SE60 VT XW delivers extremely tight mat textures with high densities. It utilizes rear-mounted extenders, tamper bars, vibratory screed plates and has a paving range of 3.0 m to 10.0 m (9' 10" - 33'). It excels on interstates, highways, airport runways and other wide-width applications.
|Standard Paving Range
|3.0 m - 6.0 m (10' - 19' 6") 3.0 m - 6.0 m (10' - 19' 6")
|More Less
|Maximum Paving Width
|33.0 ft 10.0 m
|More Less
|Maximum Paving Depth
|12.0 in 305.0 mm
|More Less
|Extender Slope Range
|-3% to +5% -3% to +5%
|More Less
|Tamper Speed Range
|700 to 1800 rpm 700 to 1800 rpm
|More Less
|Vibrator Speed Range
|0 - 3000 vpm 0 - 3000 vpm
|More Less
|Crown Range
|-2% to +5% per side -2% to +5% per side
|More Less
|Heating Time - Standard Width
|15 minutes 15 minutes
|More Less
|Heating Time - Maximum Width
|25 minutes 25 minutes
|More Less
|Screed Plate Width - Front to Back
|16.0 in 407.0 mm
|More Less
|Transport Length - Tractor and Screed
|22.6 ft 6910.0 mm
|More Less
|Transport Width - Endgates Folded
|9.85 ft 3.0 m
|More Less
|Length - Front to Back, Endgates Attached
|98.0 in 2505.0 mm
|More Less
|Length - Front to Back, Endgates Removed
|76.0 in 1940.0 mm
|More Less
The 70 kW, tractor integrated generator combined with the technologically advanced screed heating system, ensures fast, even heat distribution. The 15 minute heating time at standard widths can lead to more daily production and lower fuel consumption due to less time waiting for the screed plates to reach the preset temperature. At maximum widths screed plate heating occurs in as little as 25 minutes.
Tamper bars efficiently tuck material under the screed plates to provide precompaction. Adjustable starting and stopping ramp rates maintain an optimal mat finish, while an auto-speed setting accommodates changes in paving speed.
The exclusive generator system monitors heating elements for failure conditions in order to help plan for scheduled service events. Furthermore, temperature zone monitoring allows heating to continue in the event of a sensor failure and warning indicators are delivered through the LCD displays.
The extenders are equipped with 2 speed ranges and proportional control for better performance around obstacles. Pendant controls located on the extenders enable operators to perform functions remotely. The conveyor ratio adjustment can be made from the screed control panel when utilizing the 2-sensor feeder system in order to maintain optimal material height in front of the screed.
Factory integrated Cat Grade Control allows the crew to operate from either of the tractor or screed consoles. A split screen mode enables the screed operators to work from a single side or from each side of the screed. This is especially helpful when training new operators and when the crew is tasked with multiple job site duties.
Power controls for crown, slope, and height allow for on-the-go adjustment at standard and maximum widths. The exclusive trailing edge screed plate adjusters as well as machined screed frames help optimize plate life and simplify leveling procedures.
Water resistant consoles and LCD displays ensure performance in adverse conditions and the million-cycle keypad switches and oil-bath vibratory pods provide longterm reliability. The heating elements slide out for easy replacement.
The SE60 V XW can be equipped with extension packages that pave up to 10.0 m (33'). Power controls for crown, slope, and extension height provide easy adjustment for better mat textures and quality. An exclusive fastening system utilizes power controls to attach the extensions, eliminating the need for additional lifting devices.


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The car seat is from birth to 10kg and can be fitted on its own, with the Seatbelts, or with the ISOFIX Base. Weighing only 3.kgs the Venicci car seat is our lightest infant carrier and travel system.
- Lightweight and easy to carry
- Comfortable seat adapts as your child grows
- Travel system compatible
- Only compatible with the Venicci Isofix Base


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How can I manage the icons on my desktop that belong to partitions?
Some partitions get mounted but I don't see them in my /etc/fstab nor on the desktop. There is 1 partition that I would like to access from the desktop but I don't know how. Is there a tutorial somewhere that I could follow?
The icons that I would like to save I would appreciate it if I were able to rename them because as you can see 5 of them say 21 GB but which distro do they point to?
Edited by réjean, 17 March 2012 - 09:06 PM.


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Eileen Sullivan ?and Matt Apuzzo
WASHINGTON: Russian authorities secretly recorded a telephone conversation in 2011 in which one of the Boston bombing suspects vaguely discussed jihad with his mother, officials said Saturday, days after the U.S. government finally received details about the call.
In another conversation, the mother of now-dead bombing suspect Tamerlan Tsarnaev was recorded talking to someone in southern Russia who is under FBI investigation in an unrelated case, officials said.
The conversations are significant because, had they been revealed earlier, they might have been enough evidence for the FBI to initiate a more thorough investigation of the Tsarnaev family.
As it was, Russian authorities told the FBI only that they had concerns that Tamerlan and his mother were religious extremists. With no additional information, the FBI conducted a limited inquiry and closed the case in June 2011.
Two years later, authorities say Tamerlan and his brother, Dzhohkar, detonated two homemade bombs near the finish line of the Boston Marathon, killing three and injuring more than 260. Tamerlan was killed in a police shootout and Dzhohkar is under arrest.
In the past week, Russian authorities turned over to the United States information it had on Tamerlan and his mother, Zubeidat Tsarnaeva.
Even had the FBI received the information from the Russian wiretaps earlier, it�s not clear that the government could have prevented the attack.
In early 2011, the Russian FSB internal security service intercepted a conversation between Tamerlan and his mother vaguely discussing jihad, according to U.S. officials who spoke on condition of anonymity because they were not authorized to discuss the investigation with reporters
The two discussed the possibility of Tamerlan going to Palestine, but he told his mother he didn�t speak the language there, according to the officials, who reviewed the information Russia shared with the U.S.
In a second call, Zubeidat Tsarnaeva spoke with a man in the Caucasus region of Russia who was under FBI investigation.
There was no information in the conversation that suggested a plot inside the United States, officials said.


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Client Infographic: The 2011 SAP Salary Survey
The 2011 SAP Salary Survey is a new (tall) infographic InfoNewt (my company) designed for Panaya, a software-as-a-service company that provides upgrade automation to SAP customers. The team at Panaya runs this survey annually to gather information about SAP professionals, and shares it publicly as a source of valuable information to current and future clients.
In 2011, the number of participants more than doubled to over 800. So, while as an online survey it should be taken with a grain of salt, we believe it is more representative of current realities. We tried to focus on issues that are of interest to the global SAP community versus regional issues.
For example:
Are Europeans earning more than Americans? (Hint: No)Is there gender bias among SAP professionals?Is there a correlation between education and pay level?What are the top paying jobs?What is the outlook for 2011?
You can read the detailed report here.
The infographic is only a top-level summary of the detailed report, and gives Panaya a great way to build awareness and share the survey results broadly with the online community.
Thanks to Udi and the rest of the team at Panaya! There's much more information available at Panayainc.com and ERP Executive: The Magazine for SAP Managers.


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[Page 9]
[Page 10]
outside the Ghetto. Later, it was understood that they were talking about Estonia, the northernmost of the three Baltic states. In the underground groups, they spoke of the possibility that members of the organization and their relatives would not be included in the lists of deportees. In any case, the members were required to provide the organizations' leadership with personal details about our families and ourselves. The deportation began in the morning of the 26th of October 1943, when units of German and Lithuanian police, accompanied by members of the Jewish police, dispersed among all the houses of the Ghetto to assemble the people intended for Estonia. Even the underground enlisted its members, myself included, and stationed us at the assembly points that had been previously designated.
That afternoon, I was sent to a three-story building in the Kovno Ghetto called Bloc C. According to rumor, its basement had an excellent hiding place. On my way there, when I passed by our house, I was shocked to see German and Jewish police forcibly removing my family from their house. The sight of seeing my sister scream bitterly and my despairing father made me want to join them. At that very second, my mother did something that I shall never forget she gave me an intense look that clearly meant Get away from here immediately. And so, I did, without even looking back. That was the last I saw them alive. After the war, I learned that my father most likely perished when the Germans were forced from Estonia in the fall of 1944. My mother and sister who were then evacuated to the Stutthoff Concentration Camp, died of illness at the end of that year.
Of course, I could not have known this when I saw them then for the last time but at the sight of their hopelessness, I felt in addition to the deep pain also a burning anger that the underground organization was unsuccessful in guaranteeing the safety of my family as I had secretly hoped.
When I reached Bloc C, in mourning and confused, at the entrance I was met by a Jewish policeman, Daniel Birger. I disclosed to him the required password, Can I stay here overnight? His response was that he permitted me to enter. Someone removed a cover from the floor and removed some stones that were underneath. Suddenly, I felt that I was sliding downwards until a few pairs of hands led me to a dark room where I could only make out a few lit cigarettes. Within a short time, someone thrust a sandwich into my hands. During the long hours I was there my eyes got used to the darkness and it became clear that along with me in the cellar of Bloc C were a few dozen members of the underground, some of them armed ready to resist their deportation with force. Several times, we heard the voices of Germans searching for people to deport but fortunately, they did not find us. Later our contact people outside told us that the danger had passed. The Germans had already succeeded in locating and deporting the 3,000 required for forced labor in Estonia and we were permitted to leave our hiding place. Even so, we were told, You are free to go now, but shortly you will have to report
[Page 11]
to a meeting place, an apartment at Broliu Street 8, since it is very likely that you will be leaving the Ghetto tonight. From this announcement, I realized that they were talking about secretly leaving the Ghetto for the partisans' forests in the Augustowa area in southwest Lithuania. Thinking about this prospect, provided me with a tiny bit of comfort after a long black day on which I apparently lost forever my parents and only sister without even a suitable shared parting word. I walked stumbling in order to take leave of the green wooden house at Linkuvos Street 56, where my family lived almost from the beginning of the Ghetto until that very day.
I found our house looking as though it had just gone through a pogrom: the doors, windows and closets were smashed and on the floor was a mixture of household items, clothing and food. I had the feeling that someone had already gone through it searching for useful items. Perhaps, it was the neighbors. They received me graciously, but also with surprise. They were under the impression that I was also deported to Estonia that morning along with my family. At that moment, I resolved that come what may, I would never return to this house. I also shared my determination with the neighbors but certainly did not let them know and did not even hint to them about the possibility of me leaving the Ghetto that night. For some reason, I accepted some sandwiches from them and ran as quickly as possible to the assembly point apartment.
The message we got was definitely disappointing: since the Ghetto was still surrounded by an augmented number of German troops, it would not be possible to break through the wall as originally planned for that night. One had to have the spirit to patiently wait until the next opportunity. However, we were already all fired up to leave for the forests. Especially disappointed and crestfallen were those of us, myself included, who were totally alone, bereft of family. As brothers of a shared fate, it seemed like we wanted to remain together from now on under all circumstances whether we would be able to reach the forests or whether, God forbid, this possibility would again be denied to us. Naturally, some of us, and especially those who had most recently lost their parents, stayed together at the apartment of our friend Penina Sukenik at Broliu 8 Street. More accurately, it was the attic above the apartment that for some reason was known as The Babilsky's attic floor. Here, the secret cells merged (the 'troika') and we conducted our lives on a communal basis like the kibbutz preparatory groups before the war. Even so, we hoped that this would only serve as a temporary shelter, since shortly after the Estonia Aktzia, from the end of October through the month of November 1943, the attempts of the underground to smuggle groups in an organized manner to the Augustov forests in southwest Lithuania resumed in high gear.
[Page 12]
In keeping with this agreement, Hashomer Hatzair was permitted to choose four out of the fifteen young women who presented themselves as candidates. I remember as though it happened today, the dramatic meeting with twenty-five senior members of the movement participating gathered around the stub of a candle in Babilsky's attic as we agonized on how to come to this fateful decision. First, it was thought that the contenders should be divided according to certain indispensable criteria Aryan appearance;* fluency in the Lithuanian language; physical endurance and a familiarity with their surroundings. This was truly a fateful deliberation and all those involved felt it. The lead discussant, Ali Rauzuk, the head of the chapter, and Moshe Petrikansky, the head of the combat units, attempted to explain in a rational manner the need for making the awesome decision that very night, since the following day they had to submit the names to the underground leadership. At variance with them were those who favored the candidacy of one person over the other also from an emotional standpoint, such as Moshe Elionsky who took up the cause of our friend Rachel (Koka) Rozental who was the only one of her family still alive. Koka must be among those going, he cried in bitterness while the rest lowered their tearing eyes. Bilhah Markus responded with a deep sigh when her turn came to speak. And what was she to say? She did not have any of the requirements needed for a young woman to be sent out on the dangerous and complicated mission. Suddenly, I heard my own voice protesting my exclusion from participating at this stage because of a broken right ankle that had not yet healed adequately. I'll limp after you with my broken foot if you leave me behind! Very slowly, they all left to go to sleep and the four pleased young women, Hana Simon, Miryam Eydels, Mira Buz and Rachel (Koka) Rozental, did not know whether to rejoice or to cry. Conversation faded along with the candle stub and depression hung in the air. Beginning with the next morning after that critical night and for the days following, the lucky ones who were chosen left us for the forests of Augustow, while I and several of my friends who were rejected continued to live at the same place. Over time, additional Hashomer Hatzair members and others joined us.
[Page 13]
Still, almost every day alarming Job-like reports about the terrible fate of the dozens who left for the Agustov forests reached us. A large number perished at the hands of the Lithuanians who ambushed them on the roads; the others returned to the Ghetto dejected and bewildered and only two succeeded in reaching the desired objective. They were Shmulik Mordkovski, a member of the Young Pioneers (Hehalutz Hatzair) and Nehemia Endlin, from the Antifascist Fighting Organization (the Communists). However, once they reached the goal, they found no trace of the partisan base they had been assured of by the heads of the Communists both inside and out of the Ghetto. To our great sorrow, we learned that among those who died in the venture were six of our finest colleagues Moshe Elionsky, Benjamin Volovitzky, Leo Ziman, Nahman Levin, Arie Mitzkun and Jakov Strasburg
On occasion, we arranged political-ideological discussions and evenings of group singing. Among the popular songs that became a hit with us were Around the Bonfire by Ya'kov Orland and Hey Harmonica. With great enthusiasm, we danced the Hora and other folkdances. It should come as no surprise that in the Ghetto our apartment became the desired gathering place for all who longed for vibrant social life. It reminded one of the dynamic Zionist pre-war public functions and the festive meetings and activities we conducted to mark cultural and national events in the optimistic atmosphere for those who would be fortunate enough to be among those able to go on Aliyah to Eretz Yisrael. Among the visitors were remnants of the Socialist Zionist leaders and activists, some of whom assumed official positions in public sector and administration of the Ghetto. One of them was the policeman Hirsh Fridman who took part in the deportation of my family to Estonia. When I mentioned this tragic event to him, he was very agitated, and apologized that no one had told him that he was dealing with the family of a member of the underground. True, I had known earlier that members of the
[Page 14]
underground served in the police force and were required to carry out orders of the ruling powers, but since this personally affected me, it was even harder for me to accept this two sidedness. Anyway, my negative attitude to the Ghetto establishment increased even more.
Except for this painful episode, the three months I spent at 'Kibbutz Mildos 7' were like a warm spring in the somber reality of the Ghetto. More than that our kibbutz was actually run on the model of the preparatory kibbutz of pioneers (halutzim) getting ready for their future in Eretz Yisrael. Given our circumstances, the immediate goal was changed from Aliyah to Eretz Yisrael to reaching the partisans' forests. At this time, that goal was more or less attainable, especially for the young men among us, thanks to the newly opened opportunity of getting to the Rudniki (Rudninkai) forests in the Vilna area. Unlike the unfortunate and failed attempt to reach Augustow that was carried out almost completely on foot, this undertaking was motorized by way of trucks. The objective was also closer, distance wise, Rudniki forests in the Vilna area. However, it became clear that the chances of the young women in our group, whose number was far greater than that of the young men, to go to the forests was very slight compared to the communist women. The communists, through their non-Jewish colleagues outside of the Ghetto, maintained good contacts with the partisan command in the forests. It was no wonder that in the Ghetto the impression was that the Anti-fascist Fighting Organization, that is the communists, held 'the key to the forest' in their hands. Whether we are speaking of the actual impression or an exaggeration out of all proportion, it was clear to us that the leadership of the organization controlled the make-up of the groups going to the forests. Generally, this was not spoken of in public, but from our friend Ali Rauzuk, the acting head of the Hashomer Hatzair club in the Ghetto, we heard that a bitter struggle went on over the composition of the groups going to the forest, with the communists insisting that their opinion should be the deciding factor in their make-up. Indeed, in one case when one of our members, Roza Strashuner was chosen to go to the forest and even passed through the Ghetto gate with her personal gear to join the others, was pushed aside in favor of someone else, a relative of the owners of 'the key.' Within a few days, arrangements were made for a small number of the girls in our group Mira Buz, Penina Sukenik, Koka Rozenthal and Rachel Zagay for hiding places in the villages thanks to the most valued initiative of Dr. Pessia Kissin. Only one of our female members, Gitta Pogeer who was part of our kibbutz, was privileged to get to the forest and join in the effort to fight against the Nazis and their local collaborators. One of our most esteemed members Shmulik Mordkovski, who succeeded at the time to reach Augustow, left for the forest even earlier, not in accordance with the 'key,' but thanks to his exceptional ability to reconnoiter and guide. The first to be chosen by the kibbutz to go to the forest were Barukh Grodnik (Goffer), Hayim Gekhtel (Galeen), Jakov Susnitsky, Gitta Pogeer (mentioned above), Yankel Kave, Josef Rosin and Grisha
[Page 15]
Sheyfer. On the occasion of their departure, 5 February 1944, the kibbutz had a festive 'going away party.' We sat around tables set with tea and candies, produced in the Ghetto. We reminisced about their participation in the group, the summer camps and the various gatherings we had. We sang some of our movement's songs that were recorded in the notebooks of one of our longest standing members, Yerahmiel Voskoboinik. Our leader Ali Rauzuk delivered the 'message of the movement.' The party reached its climax when in a festive ceremony in accordance to the tradition of the movement, a red flag was brought in and the seven members who were going out to the forest heard 'the movement pledge.' As though it were a message from another world, the following words echoed: To be loyal to my people, my language and my homeland and to fight for freedom, friendship and justice in human society. The experience filled evening ended with singing and dancing.
I also experienced the same expression of warmth and friendship from my colleagues when after a month my turn finally came to leave along with fellow kibbutz members Zvi Brown and Josef Melamed to join the partisans in the forest. Nevertheless, I still had to solve the problem by myself of getting a rife as a precondition for leaving. To do so I did not hesitate to sell my wristwatch, a prized Tissot that I had gotten at the time from my Uncle Moshe Levin for my Bar Mitzvah.
Standing, left to right: Uncle Moshe Levin,
Rivka Guttman nee Levin,
Uncle Shabtay Levin.
Seated, left to right: Uncle Gershon Levin, Uncle Benjamin (Hone), Lewin,
my Father Tzvi Hirsh Levin
Like many in the Ghetto, I kept a daily personal diary, which I called Chronicles in which on an almost daily basis I wrote down what happened to me. I included in it idioms, folklore, jokes of the day as well as news from the war fronts that I gathered from various sources. Before leaving, to join the partisans I was going to turn over my diary to my good friend Rivka'le but she suddenly was taken to a work camp and the diary was lost.
Meanwhile, preparations including training exercises began. We were equipped with appropriate clothing and weapons. This continued for several weeks. The head instructor was Nehemia Endlin who already had acquired experience in the partisan forest and he taught us the rules of fighting in enemy territory. The end of training was marked with a party held in the shed of the Anti-fascist Organization who was in reality communist. One of their leaders, HayimDovid Ratner overbearing speech on our role as Soviet partisans on our duty to sacrifice our blood in the holy war against German and international fascism.
Suddenly, our colleague Zvi Brown got up after requesting permission to speak and said the following in our names:
We are joining with the Soviet partisans and we will fulfill faithfully and sincerely every task we are assigned as partisans. But we will not forget, even for a moment, that we are doing this as Jews; as people from the Jewish Kovno Ghetto in order to revenge the blood of our brothers and sisters, our mothers and our fathers who were slaughtered because they were Jews and we will avenge the honor of our people who were murdered There is no way of knowing whether or not these words pleased the heads of the Anti-fascists, but the
[Page 16]
impression was that a large portion of those present identified with them.
Our day of departure was delayed several times and we began to think that it was a dream that would remain unfulfilled. The long hoped for day arrived 7 March 1944. In the evening, the three of us took leave of our friends in the kibbutz apartment Mildos 7 with the traditional words, Until we see each other again in Eretz Yisrael. These were the last words we heard from those who remained behind to face their fate. In our innermost thoughts, we nurtured the dim hope that on the Day of Judgment they would be able to save themselves by means of the 'malina' the hiding place that they dug under the kibbutz apartment.
However, these thoughts immediately gave their place to what was in store for us in only a few minutes at the meeting place near the gate of the Ghetto for those who were leaving. After a short while, we were ordered at that place to get on a truck that had parked outside the Ghetto gate. I was incredibly surprised when I detected that there were two uniformed German policemen with weapons on the tailgate of the truck. Only after a few minutes did I realize that the two of them, Josef Melamed and Katriel Koblenz, belonged to our group that was leaving. Their assignment was to serve, as it were, as guards escorting us. More so, the electric lights near the gate suddenly went out and I understood that this was a clever ploy of our people to insure that the guards at the gate would not be able to identify us. At that moment, my estimation of the leadership of the underground deepened because of their astute and adept planning and my hope was that this would also be so in the future and that we would not be caught. While we were already sitting crowded into the truck, along with the noise of the motor we heard that someone at the gate, a policeman or someone else ask Where are you going. Another voice answered that the men were on their way to work in the town of Babtai. Actually, the truck did not take us to that work place but went in an entirely different direction that is to the thick forests of eastern Lithuania in the Rudniki area, some 20 kilometers south of Vilna. That was the headquarters of the partisan group known as Death to the German Occupiers, whose ranks we eight women and twenty men were on our way to join. During its existence, this unit and its offshoots absorbed close to 150 fighters from Kovno Ghetto. About a third of them fell in battle. At one point at the beginning of the trip, we were ordered to remove our Yellow Stars of David from our clothing and to load our rifles with five bullets. After the command was carried out, we were told in a most decisive manner, From now on you are partisans. And, indeed, these words were not uttered flippantly.
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for verification.
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With a Rifle in My Hand and Eretz Yisrael in My Heart, Dov Levin Yizkor Book Project JewishGen Home Page
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Updated 27 Aug 2005 by LA


text:
NBA Talk With David Stern In The Barbershop! (Talkin Bout Dress Code In NBA, Players Making 6 Billion A Year & More)
N.B.A. Commissioner David Stern joins William C. Rhoden of The New York Times in a barbershop in Harlem.
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text:
Fairmont Turnberry Isle Resort
19999 W. Country Club Drive, Aventura; http://www.fairmont.com/turnberryisle; 305-932-6200
Back story: A sketch on a cocktail napkin began the transformation of what was originally 785 acres of Dade County swampland into what is now the Fairmont Turnberry Isle Resort. The brainchild of shopping-mall mogul Don Soffer, the resort debuted in 1970, then was sold in 1993. Soffer reacquired the property in 2005, and after a $100 million transformation, reopened in December of 2006 under the Fairmont flag.
A golfer's haven, the resort features two Raymond Floyd-redesigned championship golf courses with a brook and thundering waterfall at the 1st hole of the South, and a 64-foot faux-rock waterfall at the 18th. "Flamingo Island," built within the largest and deepest body of water on property, is just a part of the resort's Audubon sanctioned bird refuge, home to resident flamingoes as well as hundreds of other birds.
Gorgeous landscaping has turned the resort into a tropical wonderland in which guests can view Koi ponds, a chef's garden, and an abundance of lush foliage including a 100 year-old Banyan tree.
Just for fun: Recreational activities abound at Turnberry Isle. Enjoy the lazy river and waterslide at the Laguna pool or partake in watersports and volleyball at the Ocean Club. Get your buzz on every Saturday, when the resort's coffee experts teach a complimentary class on making Cuban favorites such as café con leche and cortaditos, or take a tour (also complimentary) of the on-site chef's garden. Rich with a variety of fruit trees, vegetables and herbs, the garden provides ingredients for dishes at the Cascata Grill, as well as herbal infusions for special spa treatments.
Sleep well: There are 392 guest rooms and suites in the resort, featuring French doors that open onto private terraces. Fabulous golf, garden and pool views complement the rooms' luxurious linens, comfortable bedroom carpeting, fine furnishings and art. In-room amenities include French presses for coffee, kettles for specialty teas, I-home, waffle cloth robes and slippers.
Going green: Launched in 1990, Fairmont's Green Partnership Program is leaps and bounds ahead of most. Highlights include energy and water conservation, extensive recycling, green cuisine and the golf courses "Greening Our Greens" program, as well as partnering with local organizations such as Feeding South Florida, Women in Distress, and others. Through the Eco-Meet program, meeting planners can utilize the four points of Eco-Accommodations, Eco-Cuisine, Eco-Service and Eco-Programming to minimize the ecological footprint of meetings and events.
Eat, drink and be merry: Check out celebrity Chef Michael Mina's restaurant, Bourbon Steak. Here you can catch Bourbon and Blues night, gourmet wine dinners, Raise Your Spirits happy hour, with half-priced signature cocktails, and Wine Travels with the sommelier. The Italian-American fare at Cascata Grille can be enjoyed along with a stunning view of the Miller golf course's cascading waterfall.
Attractions: Sports enthusiasts will love the proximity to venues such as Dolphin Stadium, the American Airlines Arena, Gulfstream Park and Calder Race Course. The 280 shops and stores of the Aventura Mall are within walking distance, or take the free shuttle. The natural beauty of Oleta State Park and Crandon Park are just minutes away.
Celebrity cache: James Caan and George Hamilton are regulars at Turnbery, as are many NFL players who train with top performance coach Pete Bommarito and health expert Dr. Matthew Cooper. Guests enjoy perusing the photos on the celebrity "Wall of Fame" at the Cascata Grill.
Prices: Rates range from $159 to $5,900 per night. Through Sept. 10 room rates start at $119 for double occupancy and include a free round of golf per night, for every person in the room, excluding cart fees.
Checking In: Fairmont Turnberry Isle a haven for golfers, and birds
Fairmont Turnberry Isle Resort


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Name | Synopsis | Description | Options | Operands | Examples | Exit Status | See Also
get-reverse-proxy-prop <connect_options> [--echo|-e] [--no-prompt|-Q] [--verbose|-v] --config|-c config-name --vs|-s vs-name --uri-prefix|-r uri-prefix (propertyname)*
Use this command to get the reverse proxy properties. The properties that you can view are as follows:
server - The URL of the remote server. If you specify multiple values, the server distributes the load among the specified servers.
sticky-cookie - The name of a cookie that, when present in a response, will cause subsequent requests to stick to that origin server.
sticky-param - The name of a URI parameter to inspect for route information. If a URI parameter is present in a request URI and its value contains a colon (:) followed by a route ID, the request will stick to the origin server identified by that route ID.
route-header - The name of the HTTP request header used to communicate the route IDs to origin servers.
route-cookie - The name of the cookie generated by the server when it encounters a sticky-cookie cookie in a response. The route-cookie cookie stores a route ID that enables the server to direct subsequent requests back to the same origin server.
rewrite-headers - A list of HTTP request headers. The value can be host, location, or content-location where,
host: Indicates whether the host HTTP request header is rewritten to match the host specified by the server parameter. The default is false, which means that the host header is not rewritten.
location: Indicates whether the location HTTP response headers that match the server parameter should be rewritten. The default is true, which means that the matching location headers are rewritten.
content-location: Indicates whether the content-location HTTP response headers that match the server parameter should be rewritten. The default is true, which means that the content-location headers are rewritten.
auth-user — The user to authenticate as.
auth-password — The password that is needed for authentication.
auth-header — The name of the HTTP request header that is used to communicate the credentials. The default value is Authorization. When authenticating to a proxy server, you can specify the value as Proxy-authorization.
client-cert-nickname — The nickname of the client certificate to present to the remote server. The default is not to present a client certificate.
validate-server-cert — Indicates whether the proxy server validates the certificate presented by the remote server. The default value is true, indicating that the proxy server will accept any certificate.
use-keep-alive — Indicates whether the HTTP client should attempt to use persistent connections. The default value is true.
keep-alive-timeout — The maximum number of seconds to keep a persistent connection open. The default value is 29.
always-use-keep-alive — Indicates whether the HTTP client can reuse the existing persistent connections for all types of requests. The default value is false, indicating that persistent connections will not be reused for non-GET requests or for requests with a body.
protocol — The HTTP protocol version string. By default, the HTTP client uses either HTTP/1.0 or HTTP/1.1 based on the contents of the HTTP request. In general, you should not use the protocol parameter unless you encounter specific protocol interoperability problems.
proxy-agent — The value of the Proxy-agent HTTP request header. The default is a string that contains the proxy server product name and version.
For connect_options description, see help(1).
Specify this option to print this command on the standard output before executing. This option also prints the default value for all the non-mandatory options that you do not provide in the command.
If you specify this option, wadm will not prompt you for passwords while executing this command. Use this option if you have defined all passwords in a password file and specified the file using the --password-file connect_option.
Specify this option to display a verbose output.
Specify the name of the configuration.
Specify the name of the virtual server.
Specify the URI prefix of the reverse proxy.
wadm get-reverse-proxy-prop --user=admin --host=serverhost --password-file=../admin.passwd --port=8989 --ssl=true --no-prompt --rcfile=null --config=config1 --vs=vs --uri-prefix=/simple/
The following exit values are returned:
command executed successfully
error in executing the command
help(1), create-reverse-proxy(1), delete-reverse-proxy(1), list-reverse-proxy-uris(1), set-reverse-proxy-prop(1), block-reverse-proxy-header(1), forward-reverse-proxy-header(1), list-reverse-proxy-headers(1)
Name | Synopsis | Description | Options | Operands | Examples | Exit Status | See Also


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Cooee History and Heritage
- 4 Midlothian Street, Malvern East, VIC 3145
- 03 9563 0089
- Cooee History and Heritage
Research Costs
- Fee determined on case-by-case basis for projects large or small and for all kinds of budgets.
Open Hours
- Telephone inquiries: 9.30 am - 5.30 pm; 7.30 pm - 9.30 pm Mon-Sat (Skype also available)
- 2009
The principal is Andrew Kilsby, a former defence force and diplomatic service officer, and marketer, with a penchant for history. Cooee History & Heritage is a specialist history consultancy with a variety of experienced researchers, historians and other support staff dedicated to giving any project, no matter how big or how small, the attention it deserves. The consultancy has researched and published a number of histories, including family, military, business and social. It has a strong suite in biographical writing and military history. But Cooee does much, much more. We stage-manage, market and publicise commemorations and events, arrange speaker programs, exhibitions and displays, and provide an all-round history service to organisations, or individuals who want to do more with their history than just file it away.
- Location:


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Things that have wound me up today;
Criticising the referee when we were clearly second best for about 78 minutes of that game.
The BT Sport / Sarries love-in.
Lack of respect for the opposition. Sarries were awesome today. Did a proper job on us and played at a very high intensity that we struggled to match, and I thought Itoje was man of the match today.
Launch back-chatting the referee.
But anyway, Wasps threw everything down today and it wasn't good enough on the day, well done lads, hopefully no too many injuries, on to Europe.
Quote:Beckenham Bandit
A decent effort for 60 or so minutes but Wasps paid for not scoring the 2 or 3 half chances they created. If you are going to beat Saracens are going to have to score 3 or 4 tries against them to force them out of their comfort zone. Other than that Wasps scrummaging and mauling wasn't good enough and in loose forward play Saracens were both more physical and cynical.
Not the end of the World by any means and plenty to work on. Get Sarries on the open expanses at the Ricoh or Twickenham and Wasps can give them a run for their money.
Also I pity the Saracen's season ticket holders. Saracens might be brutally effective but they are pretty terrible to watch. Apart from when they play Wasps I rarely watch them play. Today's game vindicated that decision.
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IFK Göteborg 1-0 Hamburger SV
(Holmgren 87)
Hamburger SV 0-3 IFK Göteborg
(Corneliussen 26, Nilsson 61, Fredriksson 63p)
(agg: 4-0 to IFK)
European glory remained outside the compass of Swedish clubs until 1982, when IFK Göteborg came along. Then, led by coach Sven-Göran Eriksson, the Gothenburg side went all the way to the final, defying the traditional hurdle of the Scandinavian winter break. Of course, Göteborg had also had to negotiate tough opponents in SK Sturm Graz, FC Dinamo Bucuresti, Valencia CF and 1. FC Kaiserslautern. Even so, few gave them much of a chance against West Germany's champions-elect, Hamburger SV.
Runners-up in the European Champion Clubs' Cup two years before, Ernst Happel's team looked set to make amends when they thrashed FK Radnicki Niš 5-1 in their semi-final second leg, 6-3 on aggregate. No mean feat this: the Yugoslavian side had knocked out a lively Dundee United FC in the last eight. But they went the way of FC Utrecht, FC Girondins de Bordeaux, Aberdeen FC and Neuchâtel Xamax FC - while Hamburg, with the veteran Franz Beckenbauer in tow, progressed.
Not processed, however. Göteborg saw to that by winning the final first leg at the Ullevi 1-0 with a late goal from Tord Holmgren. Hamburg's cavalier style was at a still greater discount in the return, when they were swept aside 3-0 by the counterattacking Swedes. So it was that Göteborg captured a famous treble of Allsvenskan, Swedish Cup and UEFA Cup.


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Seeking Holiday 2011 Sponsors
Thursday, October 27, 2011
I've been away from my blog for so long, but I'm ready to get into the holiday spirit and get some reviews and prizes for my online friends!
A Simple Kinda Life is currently seeking sponsors for a Holiday 2011 blog party! A Coming-Back-To-Blogging party, if you will!
If you're interested in being a part of this party, please email me!
Looking forward to working with you!
I'm also looking forward to partying with my readers... hey... I'm honest!


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Clean and Serene
The initial mission in the game, following the introductory cutscene, places you on a snazzy new motorcycle automatically. It's up to you to drive northward across the borough of Alderney (where your DLC experience begins) with your assembled crew of biker goons. As the game informs you, if you drive too quickly or scatter too far from your brethren (which can be watched on your HUD, as they are represented by turquoise dots), you won't be able to hear them speak. Thus, for the sake of the story, stick close to your friends as you head northward. Thankfully, you won't have much of a choice. The route the game brings you along via the HUD's GPS, from Vitullo Avenue and Babbage Drive and further northward, is full of hard turns and myriad traffic.
When you arrive at your destination near the north end of Alderney, which is a biker bar controlled by the dangerous gang known as The Lost, your character (Johnny) will have a rather stern, serious conversation with a man who appears to be the boss of the gang (named Billy). He wants his motorcycle back, so he can enjoy what appears to be his final days of freedom before he's inserted back in the slammer. After some back-and-forth, and after some fighting, you'll be asked to travel all the way to Bohan to retrieve the chopper.
The route you're going to be taking eastward towards Bohan will, naturally, force you to cross the Manhattan-equivalent borough known as Algonquin. The GPS should dump you on Panhandle Road in Alderney, which leads directly to the Hickey Bridge, which can be taken eastward to reach the adjacent borough. From there, you'll be brought to the winding Frankfort Avenue, which leads over the Northwood Heights Bridge. You'll thereafter find yourself snuggly in the small borough of Bohan. From there, simply drive to your destination on the southeastern end of the island, which is at the end of the Northern Expressway.
Upon your arrival at this shady-as-hell chop shop, Johnny will meet up with a man he appears to be familiar with, a mechanic working on an unrelated motorcycle. However, when he's approached by Johnny and his crew about the missing bike, the mechanic gets smart. When Billy shows up, he gets the information out of the mechanic that he needs in a rather crude fashion. Then, after bashing his face in with a mallet, the gang can move on and finally grab the bike.
From Bohan, you're going to be heading back towards the west, since your destination is at the northern end of Algonquin. Since this is such a brief drive, we'll gloss over it (you'll simply be taking the Northwood Heights Bridge back to Algonquin). When you arrive at the abandoned lot at the north end of Algonquin, get ready for a fight with some rival bikers. You'll be automatically equipped with a Shotgun, so you'll have plenty of firepower to survive the fight, and what's more, your biker thug friends will back you up. This is an almost-impossible situation in which to get killed, so keep your head up, keep shooting, and of course, gather dropped money and weapons from your victims when all is said and done.
After collecting what goods you can, the game will prompt you to jump back on your bike and follow your crew back to what's termed in-game as their "clubhouse," which is essentially your safe house equivalent in this piece of DLC. The house is located on the western edge of Alderney. En route back there, you'll learn a bit about biking mechanics, riding with your crew, et cetera. And when you arrive back at the clubhouse itself, you'll learn more about the minor ins-and-outs of this GTAIV DLC. Pay close attention, because not everything is the same as it was in GTAIV, especially your crew/relationship mechanics, which are completely different.
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Consumer fury against big banks is jingling the till at credit unions.
The small not-for-profits, generally viewed as a low-key corner of the financial services business, have been picking up customers who say they're fed up with bank fees and account requirements.
TopLine Federal Credit Union in Maple Grove said it saw a nearly 20 percent increase in new checking accounts in the first three weeks in October. Others say new checking accounts have doubled.
The surge is unprecedented, according to TopLine CEO Harry Carter. He said about a third of the new customers "are volunteering that they're doing it because of the fees charged by larger banks."
The credit unions are capitalizing on what has been a slow-burning anger over the government's 2008 bailout of big banks and what some see as the banks' refusal since then to offer help to cash-strapped customers or loans to anyone without sterling credit.
It's unclear whether the backlash will grow big enough to become something more than an annoyance to the industry's largest institutions, who are now flush with cash. Some analysts think the customers most likely to desert big banks are the least affluent -- and often the least profitable.
But credit union executives say there's no question that they are gaining customers. They're preparing for another wave with the approach of "Bank Transfer Day" -- a grassroots call circulating across the country to boycott banks and shift accounts to credit unions next Saturday.
Apparently launched on Facebook this month by a Los Angeles art dealer who said she'd "had enough," the Transfer Day idea has caught fire. As of Friday, a Facebook page showed about 65,000 people would participate, and another 13,000 saying they might.
Consumers have complained for years about bank fees. The 2008 taxpayer bailout "added insult to injury," said Pamela Banks, senior policy counsel for the Consumers Union in Washington, D.C.
Then came this year's battle over how much banks can charge retailers in debit card "swipe" fees. Many big banks said in response to the new, lower limits on those fees that they would consider charging customers to use the cards.
However, the industry has been beating a hasty retreat from those plans this fall, in what seems at least a tacit admission that customers won't stand for it.
This past week, Wells Fargo and J.P. Morgan Chase said they won't follow through with previous plans to charge people for using their debit cards when their pilot programs run out. Wells Fargo began its test in five states on Oct. 14, charging a $3 fee for debit purchases. On Friday, Wells said it was canceling the test program.
In Minnesota, TCF announced last week that it would not charge a specific monthly fee for debit cards. TCF is charging a $9.95 monthly maintenance fee for checking account customers who don't meet certain requirements.
Minneapolis-based U.S. Bancorp, too, said it doesn't plan to charge customers monthly debit card fees, but it has ended its debit rewards program. This summer it started charging checking customers $6.95 to $8.95 a month if they don't meet certain requirements.
TCF unsuccessfully sued the Federal Reserve in a bid to stop the new debit limits, warning that consumers would end up paying for it.
A surge of new accounts
How much of the uptick in business at credit unions can be tied to the debit card issue is impossible to say, but credit union executives say customers are angry about fees in general.
Even the Minnesota Catholic Credit Union, with just $25 million in assets, is seeing more business. The church-based credit union in Little Canada has doubled the number of new checking accounts in the past six months.
CEO David Sawin said he's surprised, and chalks it up to the bank fee fracas.
"Now they're saying 'I don't care that I've been with my bank for 30 years, I'm coming over to you because they've pushed me too far,'" Sawin said.
"We didn't advertise," Sawin added. "We weren't pushing it."
Other credit unions, however, are.
St. Paul-based Affinity Plus Federal Credit Union, one of the state's largest credit unions with $1.5 billion in assets, has ramped up its edgy "Ditch Your Bank" ad campaign.
The campaign, by Risdall Marketing Group of New Brighton, has been running for a year. But it shifted last spring from poking at the industry in general to directly attacking bank fees, said Kyle Markland, Affinity Plus' CEO.
"We just felt that it was time that somebody had to take a more aggressive stand to say there's an alternative out there," Markland said.
Television spots that started running last spring show customers in an imposing bank being stripped of their clothes. The voice: "Too-big-to-fail banks are always finding new fees, charges and rate increases. How much more do you want them to take?"
Earlier this month, Affinity Plus took a swing at Wells Fargo with billboards trumpeting: "More debit card fees? That's stagecoach robbery."
Markland said Affinity Plus has been signing up about 2,000 new accounts a month in the past two months -- double levels from a year ago. The customers are predominantly shifting from Wells Fargo, he said, but also from TCF and U.S. Bank.
One of them is Ben Ransom, who's in the process of switching. A business developer for a wind energy company who lives in St. Paul, Ransom said he didn't have a bad fee experience with Wells Fargo. But he said he was concerned that the company's debit card fees might eventually extend to him, calling it "an example of the nickel-and-dime mentality."
Preparing for a busy day
The Minnesota Credit Union Network, which represents the state's 144 credit unions, is deep in preparations for Bank Transfer Day. The group's president, Mark Cummins, sounded the alert in a newsletter and has been encouraging members to extend their hours Nov. 5.
"I'm selfishly gratified by the fact there's an awakening of the knowledge that there's an alternative out there," he said.
Industry experts have been anticipating a wave of customers to close bank accounts. Dick Bove, a veteran analyst with Rochdale Securities in Florida, estimates that 15 to 20 percent of Americans with bank accounts are likely to close them by the end of 2012.
The transfers probably won't have a huge impact on big banks, he said, because most of the customers leaving probably don't bring much in profits to begin with. Banks probably wanted to trim those accounts anyway, he said, although they would never publicly admit it.
But Greg McBride, an analyst with Bankrate.com in North Palm Beach, Fla., said there's evidence to suggest that richer households may be more susceptible to bolting than others.
A poll Bankrate.com commissioned in March concluded that 64 percent of Americans would consider switching financial institutions if their checking fees increased. For households with incomes of at least $75,000, the number jumped to 75 percent.
Markland, at Affinity Plus, disputes the idea that credit unions are luring marginal customers. The average new member at Affinity Plus has more than six different kinds of accounts or services, he said.
Over at TopLine, Carter said he doesn't care if people transfer with just a checking account.
"The level of profitability, only time will tell," Carter said. "Everyone is welcome."
Jennifer Bjorhus • 612-673-4683


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Friday, November 7, 2008
'Catholic Talk Live' on Anglican Use in KC
Father Ernie Davis sent along the audio above. It's an interview with him and others involved in bringing the Anglican Use to Kansas City from the Catholic Talk Live show on KEXS. Father Ernie describes, "Host John Lillis interviewed Jude and Cristen Huntz and me about conversion, St. Therese Little Flower Parish, and our hopes for the Anglican Use liturgy."
Thanks Father. And check out his blog for a new update on the Anglican Use at St. Therese.
Posted byJack Smithat11:10 AM


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Senate battle in Michigan
Part of an occasional series on the hottest races of the 2014 midterm election.
MARQUETTE, Mich. — Braving sub-zero temperatures at the annual dog sled race here, Democratic Senate candidate Gary Peters happily indulged when a prospective voter offered him a swig from her flask of whiskey. And as some Upper Peninsula locals (known as "Yoopers") were sledding down a giant snowbank the next day in nearby Houghton, the three-term congressman borrowed a sled and barreled down the hill himself, even though his attire was more suited for a boardroom than the playground.
Story Continued Below
"I'll admit, I haven't done that in a while," said Peters, 55, a bespectacled former college professor and onetime state senator who worked in the financial sector for two decades.
Peters is campaigning like a man with nothing — or perhaps, everything — to lose.
( On the Ground: POLITICO covers the hottest races of 2014)
His dead-of-winter barnstorming in a region with a mere 3 percent of the state's population shows how critical Michigan has become in the battle for control of the Senate — and the lengths to which Democrats will go to turn out voters without a presidential election to spur them to the polls.
In their quest to capture the six seats needed to take control of the Senate, Republicans are looking beyond conservative strongholds like Arkansas, Louisiana and Alaska to states that Barack Obama carried in 2012. Michigan has catapulted to the top of that list.
Thought to be the front-runner at the outset of the campaign, Peters has been running narrowly behind Republican Terri Lynn Land in recent weeks. They are vying for the seat that retiring Democratic Sen. Carl Levin has occupied since Jimmy Carter was president.
Land was not the party's first choice to run but has quietly won over GOP officials with a well-stocked campaign war chest and a guarded performance so far. She's been buttressed by millions in attack ads against Peters, financed by an outside group founded by the billionaire Koch brothers, pummeling the Democrat over his support for Obamacare.
( PHOTOS: 10 tough Senate races for Democrats)
"Yes, a Republican can win," Levin said of the race to succeed him, citing the outside money pouring in on the GOP side. "People assume it's a solid blue state, but it's always been a much more complex picture than that."
The state has all the makings of a midterm battleground. Though no Democratic presidential candidate has lost here since 1988, Republicans dominate statewide offices and control the Legislature. The last time Michigan sent a Republican to the Senate was when Spencer Abraham won an open seat in 1994, a midterm election with a Democratic president and a GOP governor running for reelection.
That's almost a mirror image of this year's conditions.
"I just absolutely believe that the Democrats don't know what's going to hit them here in a few months," said Rep. Mike Rogers (R-Mich.), predicting that Obamacare would be a deciding factor in the race.
( PHOTOS: Senators up for election in 2014)
Peters is running at a time when Obama's popularity is swooning and his health care law is as polarizing as ever. To counter the GOP Obamacare onslaught, Democrats are building a ground game they say will help neutralize the effects of being outspent on the air.
That means old-fashioned, retail politicking. Peters and his party are leaning on reliable allies like labor unions and local party chapters to let their voters know their slim Senate majority is on the line. Their message has an element of fear: Sit out this election, and November will be a repeat of the GOP wave of 2010.
"I'm worried," said Laura Swenson, a retiree and a Democratic activist, at a pizza parlor in Hancock, Mich. "We need to fire up the base."
Democrats see a clear difference between a battle-tested campaigner like Peters and Land, who easily won two lower-profile secretary of state races and recently served as a member to the Republican National Committee. They believe Land — who in an interview dodged questions about her position on the minimum wage, Medicare reform and Michigan abortion legislation — will implode once the spotlight intensifies and her record as secretary of state is picked apart.
But the race may end up coming down to numbers, something that could help the GOP in a nonpresidential year.
( Also on POLITICO: Women to watch in 2014)
In the past three presidential elections, around 5 million voters have gone to the polls, compared with just 3.3 million in the 2010 midterms. In that election, just 10 percent of African-American voters came out to vote, compared with 16 percent who voted in 2012 and helped Obama defeat this state's native son, Mitt Romney.
Democrats hope to turn out more than 3.5 million voters this year, largely by inspiring more minorities to go to the polls. They're focusing heavily on the bellwether Detroit suburban battlegrounds of Oakland County and Macomb County, the birthplace of Reagan Democrats and areas where Peters is well-known.
With the conservative Legislature pushing forward policies that have infuriated the left, including so-called right-to-work legislation weakening the power of labor unions, Democrats are bullish that turnout will be high as the party tries to take down GOP Gov. Rick Snyder in the fall.
But other factors could depress turnout. Voters are angry at Washington, the state's unemployment rate is among the highest in the country and Obama's approval numbers are underwater here.
So Peters is taking it one voter at a time, including in this sparsely populated region that's experienced more than 200 inches of snow this season, and where he campaigned as a relative stranger.
When Peters checked in to speak before thousands of Yoopers at the dog sled race, with canines howling in the background, the event coordinator asked the congressman, "And you are?" Peters joked he would speak no longer than 20 minutes. "No, you won't," she responded. "We'll sic the dogs on you."
"We have to get to be known," Peters said in a dinner interview over a bowl of soup, which he was forced to eat after losing a crown in his tooth during the grueling campaign swing. (Earlier in the day, the Dodge Journey he was riding in slid off the road and got stuck in a snowbank; Peters emerged unscathed.) "Obviously, my name ID is low — people know me in the Detroit metro area, but if you get outside of metro Detroit, folks don't know me."
He added: "That's why I'm here at 9:30 at night, in the Upper Peninsula in February after driving through a freaking snowstorm. We stopped to do a radio interview in a guy's house upstairs in his studio. … In Detroit, you don't have radio interviews in someone's attic."


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Matchmaker Dating Service as seen on:
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