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with an M2 plow
That's right folks, this tank was buried for 21 years at Central Islip Psychiatric Center. Now how often
would a State Hospital need to use a U.S. Army Tank? Well, C.I. used it almost every day. This W.W.II surplus Army
Tank, model M4A3E8 Sherman was given to the hospital just after the war to be used as a bulldozer moving coal piles and
railroad cars near their powerhouse. This tank was a special one too. Of the more than 40,000 Shermans built during
the war, only 50 were constructed with the M2 plow blade and were used by the Engineer Corps for construction
projects during combat. Here is a picture of the tank being lifted out of the ground by a 110 ton crane.
Instead of disposing of their tank in some traditional way, which would have cost the State of New York some money,
they simply had their new front loader dig a hole near the powerhouse and bury it under the sod. After the hole was dug
and the tank rolled into the hole it was discovered that the hole was not deep enough. To serve as a quick fix the hatch
was torch cut off and the tank was filled with earth. Then to hide the tank for what some thought was to be forever,
2 twenty yard trucks of earth were dumped on top.
But, since the museum has moved off Long Island, the museum directors have toyed with the idea to do a cosmetic restoration to the exterior of the vehicle. And so it has been done. The vehicle was cleaned inside and out of all the Long Island dirt and sand that still invaded the steel beast. The museum sand blasted it, and during the blasting we found the vehicle's serial numbers and also the wonderful original name that was painted on the side. The Sherman has had its teeth put back in the turret with the installation of the correct mantlet and cannon. All fenders were repaired along with hatches and lights. And the tracks have been reinstalled on the vehicle. This is as far as the museum will go on the restoration of this vehicle, as it is cost prohibited to go further. Seven thousand dollars in donations are still needed to replace all the deteriorated boggie wheels. All Donations are greatly appreciated for this project.
This vehicle was used this January for the filming of a segment of
According to the International Sherman Registry, the A.A.F. Tank Museum Sherman is the only know M2 dozer blade mounted Sherman known in any museum in the world. Many newspaper articles were written about it. There has been T.V. and radio coverage about it, and it even made it on the international wire services reaching all the way to US soldiers that heard about this archeological dig in Europe. This old war horse may not be the oldest excavation of a fully buried tank in the world, but it just may be so for one found in this country. In any event, the Sherman deserves it's place in history as the tank that was once lost, but now found. It may have never been used in combat during W.W.II, but yet, has been places that many Shermans have gone before, and not survived.
ENGINE: Ford GAA V-8
SPEED: 26 mph   RANGE: 100
A.A.F. Tank Museum
Copyright © 2002, 2003, 2004, 2005, 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013 American Armoured Foundation, Inc..


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The wheels of justice continue to spin for Indians Closer Chris Perez.
He's facing a drug charge and a tough time getting back into the groove, on the mound.
Indians player Chris Perez and his wife showed up at Rocky River Municipal Court on Tuesday morning to answer to drug charges.
Perez and his wife, Melanie, are facing the drug charges after undercover agents delivered a package they say contained 5.7 ounces of marijuana to the Perez home in Rocky River last month. The package was sent from California and addressed to the family dog.
Investigators say Perez took them to his stash and admitted it was his marijuana.
On Tuesday, the couple's attorney asked for additional discovery, or evidence. The judge granted the request and continued the hearing until September 3.
Perez and his wife then slipped out the back door of the Probation Department.
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The Indian River State College Hallstrom Planetarium will present the galactic show, The Planets.
In a recorded narration by Kate Mulgrew (Captain Kathryn Janeway of "Star Trek: Voyager"), Mulgrew takes the audience on a grand tour of the solar system and visits to Earth's neighboring worlds.
See a comet collide with Jupiter, fly along the Mariner Valley, the Grand Canyon of Mars and stand at the edge of the 10-mile-high ice cliffs of Uranus' moon, Miranda. Travel to far-flung Pluto and out to the distant realms of other solar systems in this exciting show.
The Planets will be presented on April 19 and 20, May 17 and 18, and June 14 and 15. Planetarium show times are Friday evenings at 7 and 8 p.m. and Saturday afternoons at 1 and 2 p.m. Tickets are $3 each and may be purchased at the IRSC Box Office at the McAlpin Fine Arts Center or by calling (800) 220-9915 with VISA, Discover, American Express, or MasterCard or visit www.irsc.edu. Planetarium shows are recommended for adults and for children over the age of four. The Hallstrom planetarium's temperature is maintained at 72 degrees and visitors may want to bring a light jacket or sweater.
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All eyes were on Carey Mulligan as she took to the red carpet for the Dubai International Film Festival.
Wowing once again with her unique sense of style, the actress opted for a floor-length Erdem Moralioglu gown, complemented by a chic bouffant hairstyle.
The 25-year-old British actress was attending the screening to support her recent movie Never Let Me Go.
The British dystopian drama has been tipped for an Academy Award, adding to the Oscar buzz that seems to be following the young actress around.
Photo: © Getty
Monday December 13, 2010
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Stating At $110.00
Mini Split HVAC
Super Blowout
The Air Oasis 3000 XTREME G3 countertop air purifier cleans the air in open rooms with higher contaminant levels up to 3000 square feet. This includes many commercial applications such as childcare facilities and nurseries, pet clinics, kennels, restaurants, bars, nail salons, hotel lobbies and other areas with a high number of occupants or strong odors. This model is also ideal for smaller areas with higher than average contaminant levels.
This air purifier quickly and effectively reduces carbon-based contaminants, providing fresh, clean smelling air in only minutes. What are carbon-based contaminants? Some of the more familiar carbon-based contaminants include mold, bacteria, viruses, odors and volatile organic compounds.
We accomplish all this by using the AHPCO (advanced hydration photocatalytic oxidation) technology developed by NASA and enhanced by the Air Oasis research and development team (Dr. Jeff Bennert, Jon Bennert and Dr. Nabarun Ghosh).
Many air purifiers on the market use 100 Watts or more of electricity. The Air Oasis 3000 XTREME G3 uses less electricity than a 45-Watt light bulb, saving you money and saving the environment every day.
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The Air Oasis 3000 XTREME G3 is simple to operate. There are no complicated multiple settings to learn, no routine maintenance to perform, or filters to change or clean. The device turns on with the flip of a single switch and there are no filters to change or clean. The only maintenance required is changing the AHPCO Cell every three years. The built in audible alarm indicates when the AHPCO Cell is ready for replacement. This air purifier is virtually maintenance free!
An audible alarm indicates when the AHPCO Cell should be replaced.
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Our proprietary LongLife+� technology is a specialty coating applied to all of our germicidal lamp products, eliminating the common problem of accelerated depreciation associated with higher intensity lamps.
A standard quartz lamp maintains 65% of its UVC output at 9,000 hours. By utilizing our LongLife+� technology, our UVC lamps maintain up to 80% of their output at 16,000 hours.
6 foot cord
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1. The germicidal UVC lamp destroys germs that pass through the rays of UV light.
2. Light rays from the UVC lamp react with the nano Nickel HCT� catalyst to produce catalytic molecules.
3. Catalytic molecules seek out and destroy carbon-based molecules by converting them to harmless carbon dioxide and water.
What are carbon-based molecules? A few examples are:
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This breakthrough, originally developed by NASA, does not rely on filters and is virtually maintenance free. In fact, in many circumstances our AHPCO technology reduces contaminants more efficiently than a HEPA filter without the high cost of replacing filters on a regular basis
Since air is not being forced through thick filters, large fans that require high amounts of electricity are not needed. This creates an extremely energy efficient air purifier that operates on a fraction of the electricity required by most air purifiers.
A little more about Air Oasis
Air Sanifiers� are carefully assembled by hand in our Amarillo, Texas factory. Each and every unit passes through our strict quality management system, where they are thoroughly inspected. This process ensures every customer receives the most reliable Made in the USA air purification products available.
Air Oasis Air Sanifiers are not only assembled in our Amarillo, TX facilities, but we also fabricate many of the various components in-house. This allows for increased quality control. We do our best to purchase outside components from American companies and utilize American manufactures for parts not created in-house.
Air Oasis Quality Assurance department strives for perfection. They review and modify our quality management system on a regular basis to ensure we aren't just maintaining, but continually improving the quality built into each and every Air Oasis Air Sanifier.
Air Oasis strives to operate our business with integrity. We train our team members to practice good moral values in everything they do involving Air Oasis. Every team member at Air Oasis pledges to think about our customers first and foremost, whether they are mailing a letter or producing a product.


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Daniels and Pearlman have arrived at the evidence room. You know what they say about the couple that uncovers massive fraud together? That's right -- they become jaded and cynical together. Anyhow, they've retrieved Marlo's phone, and now it's the moment of truth. Pearlman dials the number of the supposed serial killer on her phone, and after a few agonizing seconds of silence, the phone in the evidence locker starts ringing. Daniels and Pearlman share pained looks. MCNULTY! You got some 'splaining to do.
So were you not totally wrecked by the heart-rending Michael-Bug farewell? Were you left thinking, "Well, sure that was a little sad, but it's not as if Dukie and Michael have to split up, too? Do you finish episodes of The Wire and turn to your loved ones and complain about how upbeat the endings are? Friend, this scene is for you. Michael and Dukie are no longer in a stylish suburb of Baltimore. They are parked in front of the stables where Dukie meets his junk-hauling employer. It's also apparently a primo spot if you want to shoot up some heroin. "Why here?" Michael asks. "Why you wanna mix with their kind, man?" Well, the Arabber gives Dukie work, for one. And Michael's not exactly facing a future that's much better than this. The two sit silently for a while, when Dukie suddenly asks whether Michael recalls that time last summer when "[Michael and the kiddie crew] threw them piss balloons at those Terrace boys." Do we ever! Didn't end terribly well for all concerned, as I recall. "You know, I took a beatdown from them boys," Dukie continues. "I don't even throw a shadow on it. That was a day. Y'all bought me ice cream off the truck. You remember, Mike?" Michael says he does not. Michael is a terrible liar. More silence, while Dukie struggles for something to say. But there's nothing left to say but "See you 'round, Mike." "See you, Duke," Michael replies. Neither one of them says it with much conviction. Dukie gets out of the cab and begins walking toward the stables; when he turns around to look back at Michael, the cab is already gone. Dukie continues toward the stables, and a life where piss balloons and beatdowns really can be classified as the good old days.


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"The Subway Bragger"
This may be my favorite CH video of the year. The actor (Carl Foreman Jr) completely nails the tone and speech pattern of a subway panhandler.
If you've ever ridden a subway or bus and awkwardly put your head down when somebody gets up and starts addressing the entire car, this video is for you.


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Tech & Geek
Posts categorized "TV & Movies"
It's the 27th anniversary of……by Jack Spade
It's the 27th anniversary of…….Ferris Bueller's Day Off!!!!Read More »
Custom Iron Man Nike'sby Nick Steele
These Nike Mags were customized by none other than Mache Customs. [Source GeeksAreSexy.com ]Read More »
Hello Vinnie. Its your Uncle Bingo.by Greg Belfrage
Fans of the Joker are laughing themselves silly over an upcoming figure from Hot Toys. The Joker 1989 Mime Version DX 1/6 scale fi...Read More »
Man of Steel final trailer releasedby Greg Belfrage
Get your geek on, Superman fans! The final trailer for Man of Steel has just been released and it looks absolutely fantastic! ...Read More »
Finally! Everything Wrong With Superman Returnsby Nick Steele
With the new Superman movie Man of Steel just around the corner, the guys over at Cinema Sins decided it was time to recap the horro...Read More »
Wrath of Khan celebrates 31 yearsby Greg Belfrage
Its been 31 years since William Shatner first screamed "KHHHHHHHAAAAANNNNN" in movie theaters across the country. Star Trek II: Th...Read More »
Not Quite Ten Forwardby David Kuharski
Who are your Iconic Sci-Fi heroes? Han Solo? James Tiberiius Kirk... For me, one of my larger-than-life science fiction ...Read More »
Enterprise cutaway model by Diamond Selectby Greg Belfrage
The latest U.S.S. Enterprise model has just departed the drydock at Diamond Select! Ever look at the iconic silhouette of the Ente...Read More »


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(WNFL)- Chris Wright is bound-and-determined to stay with the Milwaukee Bucks going into next season. The 6-8 forward from Dayton was playing for Maine in the NBA's Developmental League when the Bucks signed him and two others to 10-day contracts in recent weeks. The Bucks wanted to get a second look at Wright -- so they signed him to another 10-day deal, and he played for 16 minutes in Saturday night's Milwaukee home loss to Toronto. After the game, he lamented going 0-for-4 from the free throw line. And when he left the B-M-O Harris Bradley Center, the 25-year-old Wright went directly to the Bucks' training facility in Saint Francis where he shot about 600 free throws. He said he made around 500 of them. Wright said free throws are not one of his weaknesses, but he said nerves got to him during Saturday's game -- and that normally doesn't happen to him. Wright said he could handle anything once he prepares himself. The Bucks will host Indiana tonight.
The Clark Howard Show 3:00 PM - 6:00 PM
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Get an alert when new Disney's High School Musical dates are announced
Based on the smash-hit Disney Channel original movie. High School Musical is a contemporary musical comedy about Troy, a popular high school basketball star, and Gabriella, a shy, academically gifted newcomer, who discover they share a secret passion for singing. When they sign up to audition together for the lead roles in the school musical it threatens East High's established pecking order and sends their cliques into uproar.
See more info at hsmonstage.co.uk
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Alcohol use and safe drinking
Alcohol use involves drinking beer, wine, or hard liquor.
See also:
Alternative Names
Beer consumption; Wine consumption; Hard liquor consumption
People have been drinking alcoholic beverages since prehistoric times. The discovery of the distillation process during the 12th century made it possible to make drinks with higher alcohol content (hard liquor) than can be achieved by fermentation alone.
Alcoholic drinks have different amounts of alcohol in them -- beer is about 5% alcohol, wine is usually 12 - 15% alcohol, and hard liquor is about 45% alcohol.
Alcohol and caffeine are the two most widely used drug substances in the world. Alcohol use is not only an adult problem. Most American high school seniors have consumed an alcoholic drink within the past month, despite the fact that the legal drinking age is 21 years old in the U.S.
About 20% of teens are "problem drinkers." This means that they:
- Get drunk
- Have accidents related to alcohol use
- Get into trouble with the law, family members, friends, school, or dates due to alcohol
Studies have shown that up to 6% of teens in the United States can be considered dependent or abusing alcohol. This means they have withdrawal symptoms when they try to stop or reduce their drinking, and they drink compulsively despite negative consequences.
A person's alcohol use is primarily influenced by attitudes developed during the childhood and teen years. It is impacted by:
- Family relationships
- Parents' attitudes and behaviors toward drinking
- Peer influence
- Society
There is likely a genetic (hereditary) tendency to alcohol use-related disorders.
Alcohol is absorbed into your bloodstream quickly. The absorption rate depends on the amount and type of food in your stomach. For example, high-carbohydrate and high-fat foods lessen the absorption rates. A carbonated alcoholic drink, like champagne, will be absorbed faster than a non-carbonated drink.
The effects of alcohol may appear within 10 minutes and peak at approximately 40 - 60 minutes. Alcohol stays in the bloodstream until it is broken down by the liver. If a person consumes alcohol at a faster rate than the liver can break it down, the blood alcohol level rises.
Each state has its own legal definition of alcohol intoxication, which is defined by blood alcohol level. The legal limit usually falls between 0.08 and 0.10 in most states. Different levels lead to different effects.
The following is a list of blood alcohol levels and associated effects, although people who drink alcohol frequently may not experience these effects until higher blood alcohol levels are reached.
- 0.05 -- reduced inhibitions
- 0.10 -- slurred speech
- 0.20 -- euphoria and motor impairment
- 0.30 -- confusion
- 0.40 -- stupor
- 0.50 -- coma
- 0.60 -- respiratory paralysis and death
Alcohol depresses your breathing rate, heart rate, and the control mechanisms in your brain. The effects include:
- Impaired short-term memory
- Reduced attention span
- Reduced inhibitions, which may lead to embarrassing behavior
- Slower thought processes
Alcohol increases the risks of:
- Alcoholism or alcohol dependence
- Falls, drownings, and other accidents
- Head, neck, stomach, and breast cancers
- Motor vehicle accidents
- Risky sex behaviors, unplanned or unwanted pregnancy, and sexually transmitted diseases (STDs)
- Suicide and homicide
If a pregnant woman drinks, alcohol can adversely affect the developing fetus. Alcohol can cause birth defects or fetal alcohol syndrome (a disorder marked by mental retardation and behavior problems).
If you drink alcohol, it is best to do so in moderation. This is defined as not causing intoxication, and consuming no more than 1 beer, 1 glass of wine, or 1 shot of liquor per day if you are a woman and no more than 2 if you are a man. Studies have shown that wine may be beneficial to health, but is unhealthy when consumed in large amounts.
Here are some ways to drink responsibly, provided you do NOT have a drinking problem, are of legal age to drink alcohol, and are not pregnant:
- NEVER drink alcohol and drive a car
- If you are going to drink, have a designated driver, or plan an alternative way home, such as a taxi or bus
- Do not drink on an empty stomach. Snack before and while drinking alcohol
If you are taking medication, including over-the-counter drugs, check with your doctor before drinking alcohol. Alcohol can intensify the effects of many drugs and can interact with other drugs, making them ineffective or dangerous, or making you sick.
Do NOT drink at all if you have a history of alcohol abuse or alcoholism.
If alcoholism runs in your family, you may be at increased risk of developing alcoholism yourself, and may want to avoid drinking alcohol altogether.
- You are concerned about your personal alcohol use or that of a family member
- You are interested in more information regarding alcohol use, alcohol abuse, or support groups
- You are unable to reduce or stop your alcohol consumption, in spite of attempts to stop drinking
Other resources include:
- Local Alcoholics Anonymous or Al-anon/alateen groups (See: Alcoholism - resources)
- Local hospitals
- Public or private mental health agencies
- School or work counselors
- Student or employee health centers
US Preventative Services Task Force. Recommendation statement: Screening and behavioral counseling interventions in primary care to reduce alcohol misuse. Rockville, MD; April 2004.
In the clinic. Alcohol use. Ann Intern Med. 2009 Mar 3;150(5).
Reviewed By: David Zieve, MD, MHA, Medical Director, A.D.A.M., Inc., and David B. Merrill, MD, Assistant Clinical Professor of Psychiatry, Department of Psychiatry, Columbia University Medical Center, New York, NY.


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A Complete Hoover Dam Experience
Type: Bus
Location: Colorado River,Hoover Dam,Lake Mead
Las Vegas
This immense lake, created by the construction of Hoover Dam, is what keeps things in our 24-hour town running smoothly. Tour by bus, boat or Jet Ski.
Type: Bus
Location: Colorado River,Hoover Dam,Lake Mead
Type: Bus
Location: Hoover Dam,Lake Mead
3808 Octagon Rd, Las Vegas, NV
Type: Boating / Rafting
Location: Off-Strip
Type: Helicopter
Location: Hoover Dam,Lake Mead,Other


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Here we live and breathe The Hunger Games Trilogy. News, Discussions, Questions, Memes, Fan Art, etc!
Run by Courtney and Tiffany
Check out OUR WEBSITE: WelcomeToDistrict12.com
Star Squad 451
Mockingjay Pt. 1 at Cannes 2014
VIDEO: Official Catching Fire DVD/Blu-Ray Trailer & Press Release
Thank you so much for picking me as a winner for your giveaway! #forevergrateful
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WATCH: 'The Hunger Games: Catching Fire' Insider Access: Pranksters
Our L.A. Premiere Red Carpet Photos!
How would you describe Peeta? (x)
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Liam Hemsworth is a master Cooler Scooter driver.
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"There's no substitute for excellence," say the folks in and
Huibregste tipped off this year's campaign in impressive fashion, compiling a double-double (12 points, 10 rebounds) in Oostburg's season opener against Whitnall, a 52-24 team victory. She followed it up with another double-double against Waukesha West (17 points, 10 rebounds). Game #3? Well, not a double-double…nope…a TRIPLE-double (22 points, 11 rebounds, 10 assists). Next up, Ozaukee. Another double-double (18 points, 10 rebounds). Just four games in, Huibregste has compiled a season of statistical highlights.
Congratulations to Maranda Huibregtse for her tremendous beginning, and to all the Lady Dutch for their 3-1 (2-0) start. By the way, Huibregtse is up for the WisSports.net Athlete of the Week. Pop on there and give her a click.
Thank you for the nomination. Keep them coming HERE , and don't forget to #WIXXPreps your pics on Instagram.
Tease Image: By Bumm13 at en.wikipedia [GFDL (www.gnu.org/copyleft/fdl.html) or CC-BY-SA-3.0 (http://creativecommons.org/licenses/by-sa/3.0/)], from Wikimedia Commons


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Contributors: Sports - In The Huddle
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Monday Jul 28, 2014 | 11:21 am
A couple of thoughts for a rainy Monday
The New England Patriots have the day off Monday. No practice. Time to rest up after what sounded like a fast and furious weekend. So that gives us some time to think about a couple of the early storylines in camp. – Don't be surprised if a rookie starts somewhere on the offensive line this year. The Patriots invested heavily in the offensive line in the draft, selecting center Bryan […]CONTINUE READING
Thursday Jul 24, 2014 | 4:29 pm
Lots of learning for UMaine's Johnson on Day 1 of Training Camp
Some thoughts from Day One of the New England Patriots training camp: Former University of Maine wide receiver Derrick Johnson had a busy day. In addition to running all the drills with wide receivers, he was running around with the special teams units as well. He knows it's good to show versatility if he wants to earn one of the 53 roster spots this fall. "I did a lot of […]Continue Reading
Wednesday Jul 23, 2014 | 4:51 pm
"Welcome to football season"
With those four words, Bill Belichick opened the New England Patriots 2014 season Wednesday afternoon. Yes, training camp doesn't officially open until Thursday with a practice at 9:15 a.m. But as Belichick noted in his early-morning press conference, players have been floating around Gillette Stadium for days, with many already completing their conditioning test. Perhaps the biggest news to come out of Belichick's time with the media: Rob Gronkowski is […]Continue Reading
Thursday Jul 10, 2014 | 4:16 pm
Brady's ranking reflects great respect from his peers
I tuned into the NFL Network's Top 100 Players of 2014 Wednesday night, eager to see where Patriots quarterback Tom Brady fit in the Top 10. I expected him to be near No. 10. And I kept waiting. And waiting. Finally, Brady came in at No.3. And, frankly, I was a bit surprised. Earlier this year we heard opinions that he was not an elite quarterback any longer. And every […]Continue Reading
Monday Jun 30, 2014 | 11:33 am
Tickets, training camp and more
Yes, it is still summer. Early summer. And lately the weather has been incredibly good. But I know some of you are already thinking about the Fall. It's in your blood. You can't wait for the Patriots, and the NFL, to return. So this one's for you. Individual game tickets for the 2014 season will go on sale July 15 at 10 a.m. through Ticketmaster. I know some of you […]Continue Reading
Saturday May 10, 2014 | 2:53 pm
Patriots go offensive in fourth round
The Patriots added some much-needed youth and depth to a couple of offensive positions in the fourth round of the NFL draft Saturday. They selected offensive linemen Bryan Stork, of Florida State, and Cameron Fleming, of Stanford, and running back James White, of Wisconsin, with their three fourth-round picks. Stork and Fleming are huge, and look to add to the competitiveness of the offensive line, which struggled at times last […]Continue Reading
Friday May 09, 2014 | 11:21 pm
Garoppolo willing to wait for his turn
Jimmy Garoppolo may not have expected to be drafted by the Patriots. Now that he has, he's ready to learn how to take his game to the next level. Speaking to the New England media in a conference call late Friday after he was selected – surprisingly – in the second round, Garoppolo said he "couldn't have pictured it any better." The former Eastern Illinois quarterback said he is more […]Continue Reading
Friday May 09, 2014 | 9:48 pm
Another surprise pick for Patriots in second round
Well that was interesting. When looking at the Patriots' biggests needs coming into the NFL draft, back-up quarterback wasn't at the top of the list. With everyone expecting New England to improve its offensive line, tight end position or even the linebackers. the Patriots took quarterback Jimmy Garoppolo of Eastern Illinois with the 62nd pick, 30th in the second round. The selection was met with mixed reviews by just about […]Continue Reading
Thursday May 08, 2014 | 11:57 pm
Patriots draft defensive lineman at 29
The headlines are always elsewhere when it comes to the NFL draft and the Patriots. While the nation watched breathlessly as Johnny Football kept sliding and sliding down the first round – all the way to 22 and the Cleveland Browns – the Patriots simply did what they always do: confound nearly everyone. The Patriots didn't trade up, didn't trade down as many expected. Instead, they used the 29th selection […]Continue Reading
Wednesday Dec 18, 2013 | 9:19 pm
Christmas, NSA, Tom Petty and Position Changes
Sometimes you travel to Foxborough to check out the New England Patriots and you come back with a nearly-blank notebook and a dazed look. Other days, like Tuesday, you have so much good stuff you could fill a couple of blogs. Like this week. I'll be blogging off Tuesday's interviews and press conferences all week! They covered a lot of topics and including a lot of laughs. So let's get […]Continue Reading


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Online Video
CET Video
PBS on Demand
Kids and Family
Support CET
CET Debuts New Arts Channel On February 1
CINCINNATI – CET Arts, a 24/7 broadcast channel featuring a variety of arts programming, will debut on February 1 on digital broadcast channel 48.3.
The new broadcast channel will offer a schedule of drama, visual art, dance, painting, literature and music programs. Viewers will have the opportunity to watch reruns of their PBS favorites, such as Great Performances at the Met, Masterpiece, Soundstage, and American Masters, while discovering new favorites such as Classic Gospel, Jubilee, Sierra Center Stage, Theater Talk and more.
The new arts channel will also include "Classic Arts Showcase," an overnight block of music videos and performances. From 1 a.m. to 7 a.m. daily, viewers can tune in for musical content ranging from classical music to ballet, opera and contemporary dance.
CET plans to collaborate with local arts organizations and content partners to highlight the outstanding artistic endeavors going on in the Greater Cincinnati community on CET Arts. Although full-length broadcasts of area performances will not be available for the channel's launch, CET plans to include coverage of local arts institutions in the future.
In addition to being available to over-the-air viewers on digital channel 48.3, CET Arts will also be available to Time Warner Cable digital tier customers. CET Arts will replace CET World which is currently broadcast on these channels.
For more information and a complete schedule of the programming offered on CET Arts, visit www.CETconnect.org.
CET is Greater Cincinnati's leading provider of education and enrichment in both living rooms and classrooms, reaching more than 2 million residents, 470,000 students and 37,000 teachers. Through PBS and local programming, CETconnect.org, innovative multimedia curriculum projects, parent workshops and professional development for teachers, CET positively impacts our community with rich and diverse resources. CET was the first licensed educational television station in the nation, the first high-definition public station in Ohio, and, through CETconnect.org, the first public television station to offer a community-based public media on-demand service. For more information about CET, visit www.cetconnect.org.
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LOUISVILLE, Ky. (WDRB) -- Louisville Metro Mayor Greg Fischer urged citizens to lobby for a local option sales tax referendum in his annual State of the City address, Jan. 16.
Mayor Fischer spoke before a large number of local business leaders at the Downtown Rotary Club at Churchill Downs on Thursday, asking them to call their state representatives and let their voice be heard.
"Now some people say it's impossible -- you can't change Frankfort. And I said, 'Are we that pessimistic?' That's a mindset that they try to push you away," Fischer said. "I have always liked to rise to the challenge."
The constitutional amendment, called LIFT (Local Investments for Transformation), is "a way for us to experience a renaissance in our community and maximize the wonderful momentum we now have," Fischer said.
Despite what some believe to be an uphill battle, the mayor says getting the issue on the ballot this fall remains his number one legislative priority.
If lawmakers approve, then the issue would go before statewide voters.
If voters approve, then cities across the state would be allowed to implement up to a one percent sales tax if local voters also approve.
"According to the polls, when you ask the people of Kentucky -- 'Are you for the local option, for you having the right to vote on specific projects?' -- more than 70 percent of Kentuckians support the concept of the local option and that includes business leaders, civic leaders and citizens of all political stripes," Fischer said.
Fischer says a one percent local sales tax would generate between $100 and 130 million a year for local projects.
Projects like the Louisville Loop, that the mayor says could be paid for right away, but without the local option tax, it could take 15 to 20 years to fund the project.
To illustrate the point, Fischer said a local-option sales tax could have funded Waterfront Park in a single year.
"I am cautiously optimistic that people on both sides -- people like Bill Samuels and the Kentucky Chamber, as well as the Democrats like Mayor Fischer -- all supporting the same thing, it's something everybody should be able to come together on," said Gill Holland, one Louisville's major developers in NuLu and Portland.
The mayor says while Frankfort is always full of political intrigue, he says he still believes there is a good chance of getting the proposal on the ballot
Those who wish to support LIFT must call 1-800-372-7181 to voice their opinion. Fischer urged Louisville residents and the entire Commonwealth to join his vision for the future by lobbying for the amendment.
Copyright 2014 WDRB News. All rights reserved.
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The Technology Chronicles
News and views from the digital frontier.
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World Series champ SF Giants get the Taiwanese animation treatment
Taiwan's Next Media Animation is best known for dishing out wacky, irreverent, over-the-top, yet entertaining takes on the top world news of the day, whether it's the buzz around the release of Apple's new iPad Mini or Facebook's sputtering IPO. Now Next Media Animation has delivered its own twisted spin explaining how Pablo Sandoval and […] [Read More]


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"You will see sex – Yes!" Breaking Dawn and Twilight screenwriter Melissa Rosenberg told PEOPLE at the Eclipse premiere in L.A. Thursday night.
"The relationship [between Pattinson's Edward and Stewart's Bella] does
go all the way in the book, so in the movie, it will as well. You are
going to see more skin in Breaking Dawn than you did in the other
"Will it be pornographic? – That, I do not know," Rosenberg said with a laugh. "I don't know if it has to be R-rated, but it has to be what the book is, which means more skin. … I will
definitely be writing more skin."
The question still remains just how adult the two Breaking Dawn films
will be given that they seem pretty much guaranteed a PG-13 rating, but it's good to hear
that screenwriter Rosenberg is aiming to make them as true to the books
as possible.
This has to be good news. What do you people think?
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Errrmaahhhgaaaawd. This baby tiger bouncing around on a sofa might be the cutest thing ever. Wait. It's playing with a chihuahua? That's the cutest thing ever. For now anyway — I have a feeling this interspecies friendship could end very very badly. CHOMP CHOMP.
This Teeny Tiger Is the Real Life Tigger
Pending approval Madeleine Davies
Filed to: Squee 11/09/12 7:40pm 11/09/12 7:40pm


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Michael Jordan rises up for a buzzer-beater to defeat the Cleveland Cavaliers in the 1989 playoffs. Jordan hit a jumper with six seconds remaining to give the Bulls a lead, only for the Cavaliers to take it right back with a layup by Craig Ehlo with three seconds left. Jordan, double-teamed on the inbounds play, got just enough separation to receive the ball and get the shot off over Ehlo to win the first-round series in five games. (Manny Millan/SI)
GALLERY: SI's 100 Best Michael Jordan Photos


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Animals Can Consent to Sex with Humans, Claims Human Accused of Running Animal Brothel
In April 2010, ex-cocaine smuggler Douglas Spink briefly dominated headlines when police raided his property in Whatcom County, Washington. Inside, they found a Welsh tourist making use of what the press has since described as an animal brothel, replete with tail-less mice covered in Vaseline. Overnight, Spink became the poster boy for the bizarre, brutal world of bestiality.
But according to Spink and journalist Carreen Maloney—whose upcoming book, Uniquely Dangerous, deals with his case—that's not quite how things went down. Maloney believes, based on court records, that the Vaseline mice, for instance, were a fabrication created by the local Humane Society, and Spink says the ordeal is a manifestation of a bigoted assault on him for being an outspoken defender of heterospecies relationships, sometimes known as zoophilia.
Spink doesn't consider himself just another animal fucker. He describes himself as a counter-surveillance researcher (at Baneki Privacy Labs), a heterospecies writer and thinker, and species equality activist who cut his teeth in frontline direct action in the 1990s with Earth First.
VICE recently spoke to Spink, in the final stretch of his current sentence, about his views on heterospecies identity, zoophobic bigotry, and our revilement of inter-species intimacy as a natural result of human solipsism and aggressively ecocidal policies.
VICE: First off, are you OK with being called a zoophile, or do you use a different term?
Douglas Spink: I tend to use "heterospecies" rather than "zoophile." I see it as the difference between calling someone a faggot and calling them gay.
I do not think that I'm terribly good as a categorical representative of heterospeciesists or any particular class. I'm a bit of an outlier, even in the communities where I feel most at home. A BASE-jumping, Chicago MBA-carrying, counter-surveillance tech-developing Asperger's-diagnosed oddball. Proudly so.
I have chosen a path of dissent from the default zoophobic stance in our current social sphere, and as a result I've been targeted and imprisoned. It's a thought crime issue, not an action-based issue. My words are considered criminal, and enormous effort has been expended to censor me.
Can you tell me how you first got engaged in heterospecies identities and issues?
I was raised in a horse-centric environment, having learned to ride at age two. I was (and am) able to empathetically understand things from the horse's perspective. In biology class, I was presented with some counter-intuitive claims of "facts that were decidedly incongruent with what I knew from my firsthand immersion alongside equine companions, like "Animals were devoid of any interest in sex or sexuality, and bred purely based on instinct."
As a young teenager, I was able to learn about the (then new) horrors of factory farming from nonprofits like PETA. I became a lifelong (if imperfect) vegetarian, and my interest in activist work in support of non-human wellbeing kicked into high gear. Bring those threads together, and you get the question of heterospecies relations between humans and nonhumans.


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I'm very proud that my new book, well new booklet, is out! The blurb on the back still feels like a pretty good summary of what I attempted to describe.
Felix Stalder's extended essay, Digital Solidarity, responds to the wave of new forms of networked organisation emerging from and colliding with the global economic crisis of 2008. Across the globe, voluntary association, participatory decision-making and the sharing of resources, all widely adopted online, are being translated into new forms of social space.


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Covenant House Michigan is opening its doors on Saturday, February 15, 2014 for a special open house and fundraiser. The organization helps provide shelter and support to homeless young people ages 13-22.
For more information on the open house, click HERE.
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Coalition for Government Procurement President Roger Waldron said GSA's next-generation telecom contract could be skewed in favor of large providers.
The General Services Administration's strategy for its next-generation telecommunications services contract could exclude a huge segment of providers and duplicate some federal contract offerings, according to a procurement industry group.
GSA issued a request for information for Enterprise Infrastructure Solutions (EIS) in April; comments are due by May 8.
The RFI is part of GSA's effort to develop a comprehensive framework and acquisition strategy for Network Services 2020, which will become the federal government's strategic sourcing center for network-based and network-enabled services. The agency plans to solicit bids for NS2020 in fiscal 2015.
According to Roger Waldron, president of the Coalition for Government Procurement, the plan sets up small and midsize suppliers to fail. The organization's concerns relate to the scope of services envisioned under the RFI and the designation of mandatory versus optional services, he added.
To be eligible to bid, potential contractors must propose a minimum/mandatory combination of voice and data services, Waldron said. That combination will be easy for large telecom suppliers but could be a big problem for other potential vendors -- such as cloud service providers -- that might not be grounded in traditional telecom offerings.
Companies that primarily provide data center services, network and security equipment, cabling, managed services, service-related labor and call-center services might not be able to bid as effectively for the contract as telecom companies could, Waldron said. "It all boils down to whether the contracting vehicle provides all kinds of services from companies or will rely on three or four large telecommunications providers," he added.
"The minimum/mandatory structure, combined with the optional products/services, will unduly restrict competition," he said.
The proposed rules could block a host of companies that are seeking to provide cloud services to agencies under GSA's Federal Risk and Authorization Management Program, Waldron added.
Furthermore, he said NS2020's proposed structure duplicates "major portions of pre-existing GSA governmentwide contract vehicles, including Alliant and the GSA Schedules."
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The GSA is moving aggressively forward with its Federal Strategic Sourcing Initiatives (FSSI) without considering the impact of the U.S. Economy. SBA recognizes that a Cost-Benefit Analysis as a minimum must be performed to evaluate the true NET BENEFITS of this procurement policy. There is much to be learned from the decision of a California Assembly Committee who evaluated the California Strategic Sourcing Initiative (CSSI):
FSSI COST-BENEFIT ANALYSIS: If it's good enough for the California to put their Strategic Sourcing Program ON-HOLD for lack of a COST-BENEFIT ANALYSIS, WHY NOT GSA !!!
FSSI COST-BENEFIT ANALYSIS: If it's good enough for the California State Assembly Committee on Accountability and Administrative Review to issue RECOMMENDATIONS FOR A COST-BENEFIT ANALYSIS BEFORE IT ALLOWS STRATEGIC SOURCING IN CALIFORNIA IN THE HEARING ON JUNE 8, 2011, WHY NOT THE GSA: The Hearing was entitled.... A REVIEW OF STRATEGIC SOURCING AND IMPACTS ON SMALL BUSINESS Wednesday, June 8, 2011
I don't see how the GSA Telecom strategy fosters competition. GSA needs to go back to the drawing board on this one...
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Charge into your weekly running regimen with the lightweight and ventilating ASICS Core Tank. Basic and breathable, this tank is practical for any runner.
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Comments: Slightly long, not overly tight. This is just a basic tank and not fancy in any way. Some of the stitching is flatlock but not the shoulder seams. That's annoying. The trim around the collar and arm holes is a bit bulky. For everyday use it's fine but I'm going to upgrade to something a bit more thoughtfully made.From: Daniel, Chicago, IL
Comments: Great quality tank, runs on the long side of a torso.From: Brian, Des Moines, WA, USA
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Syracuse coach Rob Reisbeck is still preparing for the day when he'll walk into the gym to start a new season and Brittney Martin won't be there.
The ever-upbeat, ever-grinning forward is magnetic on the court.
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"Even in eighth grade, I could see that she was going to be one of the best players to ever play in Utah," he said. "It's going to be weird without her."
By the end of last summer, the 5-foot-11 Martin was ESPN's No. 18 senior prospect, had committed to Oklahoma State and was widely considered a must-watch player in the West. But one thing haunted her: losing the 2011 title game to Alta.
"She took it upon herself that everybody did what they were supposed to do," Reisbeck said. "… She just wasn't going to be denied."
Martin wasn't always the statistical leader, but she was the unquestioned heart of the Titans as they got their second undefeated season in three years and beat every opponent by double digits.
She always seemed to put down a big shot, come up with a momentum-killing steal or be the one to lead a stunning fast break. Opponents struggled to stop her, and teammates fed off her energy.
"I kinda tried to get my teammates more involved, and make sure everybody was scoring instead of just a few people," Martin said. "I couldn't win games without them."
Behind the scenes, Martin dealt with an unimaginable loss, as she mourned Oklahoma State coaches who died in a plane crash a week after she signed her letter of intent. Reisbeck recalled that she was devastated, but stayed strong in front of her teammates.
The Titans got their championship back. Martin secured a legacy in which she lost only five games in her four-year varsity career.
"I think she's far from done with what she'll accomplish — not just in basketball but life in general," Reisbeck says. "The sky is the limit with her."
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Ask the Readers: What Can I Do About My Student Loans?
Published on - July 30th, 2010 (by J.D. Roth)
I do my best to cover a variety of topics here at Get Rich Slowly. Personal finance is a v-a-s-t topic, and there's a lot of specialized knowledge. But there's no question I have blind spots. Because Kris and I have no kids, I don't write much about children and money. Student loans are another blind spot for me.
Still, I know a lot of GRS readers have questions about student loans. You folks e-mail me all the time with questions I can't answer. But I finally realized that instead of ignoring your queries, I should put a few of them out for reader comment.
For example, Megan recently wrote looking for advice on coping with student-loan debt. Here's her story:
I got my degree from a small private university in Wisconsin, a school that I loved, but that in the end cost me $55,000 in student loans. That total (as I just calculated) is up to $63,630(!) because of interest since I graduated in 2008.
After taxes, I only make $1280 a month, and my loan payments total about $637 each month — almost 50% of my income! I can make the payments no problem, but it leaves very little money left over for savings, retirement, and even just fun money. A second job isn't very feasible since I'm in the military and I can get (and have been) called into work at a moment's notice.
Do you have any tips or advice on what I can do about my loan payments? Right now, the majority of my loans are on ten-year repayment plans, which I like since I don't want to be in debt forever. Consolidation would lower my payment, but nearly triple the interest I'll have to pay over the years, and would also increase my payment plan to 30 years. (I'd be 54 by the time I'd pay them off!)
Is there any other way to get through this that I just don't know about?
Again, I know very little about the ins-and-outs of student loans. Based on the information Megan provided, though, I agree that consolidating the loans probably isn't a good idea. I'd rather keep the ten-year term. (If she's disciplined, though, Megan could consolidate and then opt to make accelerated payments on her loans, much as Kris and I chose to do with our mortgage.)
In either case, part of the problem will fade with time. Some of this is a function of time. Megan will eventually take higher-paying jobs, and as her income increases, she'll be better able to handle her student loans. The $637 monthly payment that seems like a stretch on a $1280 monthly income will seem very manageable on $3000 a month or $5000 a month.
Until then, however, it's vital that she keep her other expenses in check. She should do what she can to avoid the "lifestyle inflation" that often comes with an increased salary. Instead of spending her raises, she should be especially diligent about using them to pay off the student loans, and to save for retirement.
Because I have no experience with student loands, I don't have any specific advice for Megan — just these general thoughts. Do you have advice for Megan? Is there anything she can do to decrease the drag her student loans place on her budget until she's able to earn more money? Are there any other student-loan tips or tricks you can share?
If you are in the military, volunteer for a deployment. That's what I did a few years back with my tax-free deployment income. don't forget to set a little aside in the TSP!
Also, you may qualify for student loan forgiveness after ten years of payments. Look up College Cost Reduction & Access Act and see if it applies.
Definitely check out the College Cost Reduction & Access Act; if you find work in a non-profit, state, local or federal government, or most health fields yo can qualify for forgiveness after 10 years of repayment. You may also qualify for the Income based repayment plan which will lower your monthly payments to a manageable amount until your 10 years pass. I currently have $40,000 in loans that I had my monthly payment reduced to $175 given my family size and income. This will still count towards my 10 years since I work for a state government. All you have to do is consolidate all your loans into the Direct Loan program and request the IBR plan. It is a wonderful program that is designed to reward those with degrees that serve humanity so to speak.
And get this…. it was passed during W.'s administration!!!!
Is there a way she can earn extra money through freelance work, or an online business? I'm thinking that something where she gets to set her own hours might be a good way to earn some extra cash.
That being said, I know how difficult it is to fit in extra work when you're already working full time! People always make it sound so easy…
1) income based repayment
2) get a job eligible for public service loan forgiveness.
Worry about the interest rate, not the amount of total interest you will pay over the life of the student loans. 50% of your income is a serious cash flow issue – if your interest rate will decrease or stay the same while consolidating and extending the term, it is almost certainly the right idea. If you have more money to pay off principal later, you will have the flexibility to do so.
Megan needs to talk to her lender. For at least a little while, they should be able to adjust her payment plan so that it's income sensitive. This might mean paying interest only for a while, or interest and a small part of the balance.
If she does this, she still has the option of sending in additional payments to pay down the principle. It just gives her the option of paying less for a few months so she can build up her savings.
Make payments online as soon as you get paid. This shaves off a couple months of payments because the sooner you throw money at the loan, the less time interest has to accrue.
Also, if you are planning to stay in the military for 10+ years to come, some student loans like perkins offer have generous forgiveness programs. Google search military student loan forgiveness and see what you find.
Good luck!
Unless your loans are private loans you can get on an income-based repayment plan and it will seriously reduce your monthly payment. You can find out more about the income-based repayment plan at ibrinfo.org.
If Megan is currently taking in $1280 a month I would assume she is still in tech school and has been in the military for less than a year. I would also assume as she has graduated college that she is or will be an officer soon which comes with higher pay. Based on these assumptions I would tell her to sit tight and utilize what the military has to offer like the free gym or taking a class at the community college for free. I was enlisted in the Air Force for one term and lived in a dorm at first and then moved to an apartment in town. I ate in the chow hall, worked out religiously, and proactively tried not to spend any money for the first two years. Those were very formative years for me but once I got past the car debt and more importantly developled frugal living out of necessity those savings habits have propelled me to a new level of confidence. I think it is important to be reasonable enough for people to understand their situations and figure out a way to live beneath their means and use sites like GRS for motivation. Once you get ahead of the debt curve it is all upside. Good Luck Megan -
Military College Loan Repayment Program. See if you qualify.
I'm in a similar situation, though I earn a little more than double what Megan makes. I can make all my loan payments, pay all my other expenses, and live pretty well, but I just want to get rid of these loans. I'm working on a debt snowball but it can be a little disheartening, especially because I'm hoping to quit my job in a year or so from now and have my own business up and running. The student loans just keep hanging above my head, though.
Luckily, if your loans are serviced through the Department of Ed you can defer at any time for unemployment or hardship. So as long as you stay in contact with them, it's never a problem. That interest keeps building, though!
Yes, talk to the lender. If it's a federal student loan, you can ask to have your payment based on your current income. They'd rather lower the payment than have you default.
She probably has two types of student loans: private loans and federal loans.
Consolidating her federal loans will not do any good, because when consolidating, the government takes the weighted average of each individual loan, and uses it to calculate the new interest rate. However, a law was recently passed (http://www.finaid.org/loans/publicservice.phtml) that states that if you work in public service, your Federal loans can be forgiven after ten years of on time payments.
We don't know if she plans on making a career in the military, but if she does plan on that, she can put her Federal loans on a interest only payment plan (for the time being), and put as much of the $637 as she can on the private loans, to knock them down as much as possible. It doesn't matter that she's only paying interest on the Federal loans — they'll be forgiven eventually.
What field are you in to get that salary amount? The way I calculated it was that if you are getting $1280 for a month and working 40 hours a week that roughly works out to be a little above minimum wage. Unless you have a liberal arts degree, there has to be someway of advancing your salary by moving up in the military.
So where does the GI bill fit in repaying these student loans? Just curious. When I served the GI bill took care of a good portion of my student loan.
We need more info. Why does she make so little? What does the future hold for her?
If she thinks her income will drastically increase soon, sure, sit tight. Otherwise do federal direct consolidation (assuming they're eligible loans), get on an income based repayment plan, and apply to have the loans forgiven under the public service forgiveness act (after 10 years of income based repayments).
The federal government started a direct lending program last year. Now all student loans are through the dept of education. There is a one time option to consolidate all of your student loans with the government. From what I read there are both standard and income based repayment options. Visit the department of education website and search for direct lending. Any college financial aid website or professional should have the information as well.
I know she said she can't do a second job, but what if it's something like lawn care, or taking care of the elderly, or dog-walking? Even if she only made an extra $20/week doing something – that can go a long way to helping her repay her loans.
I would not even consider consolidating. I would spend time accessing any program that may be available to me, starting with the military. If there is not any program that can work with your loan situation, I would suggest finding another income stream, even if it is selling things on ebay or whatever. Without more income, this payment is going to be a problem.
I agree with the commenters suggesting (re)consolidation and getting on income-based repayment plan.
I DISAGREE with everyone suggesting loan forgiveness… if lenders can't recover the principal it'll just make borrowing more expensive for everyone later.
Student loans are terrible! I'm up to 108,000. yikes. look into the public service forgiveness loan. i chose to consolidate because it made my monthly payments more manageable, and the remainder of my loans are forgiven after 10 years. the one drawback is that the government has changed the formula for calculating interest on consolidated loans, and they're really horrible.
1. On my Federal Student Loan, the government reduced my interest rate by 1/4 percent because I have the payment automaticaly debited each month. 1/4 percent savings on the interest helps out; espcially when you owe so much.
2. I respect you for wanting to pay your loans back in 10 years, but putting 50% of your income toward student loans is not realistic long term. That will not give you enough money to support yourself in a reasonable manner. The Federal Government lets you extend the term of your payments(20 years, 30 years, etc.). I suggest that you do this, but then pay as much extra every month as possible.
3. You should be looking for a new job that pays more money. Even with frugal living, you need to make more money to wipe out your debt wihtin a reasonable time.
Good luck.
1. The federal government lowered the interest rate on my student loans by 1/4 percent when I signed up for direct deposit. 1/4 percent on $63,000 add up.
2. I suggest extending the payment schedule past 10 years. I respect you for wanting to get rid of your debt, but paying 1/2 your income to student loans is not sustainable. If you extend the payment schedule, you can (and should) pay extra every month what you can.
3. You need to find a new job. It is much too difficult getting out of this type of debt with your salary.
Good luck.
I DISAGREE with everyone suggesting loan forgiveness… if lenders can't recover the principal it'll just make borrowing more expensive for everyone later.
Uh, forgiveness is part of the terms when you do something like serving in the military. It's not like defaulting on a mortgage. It's already factored in. Really, now.
I think it's incorrect to assume that anyone's salary will necessarily increase as time goes on. Maybe that's the way things used to be (in, say, the 1950s), but I'm just not sure it's true anymore.
She should consolidate and take a 30-year repayment term. The longer repayment term will significantly lower the per-month payments, which is what's killing her right now. If, in the future, she can make extra payments, great. But if you're getting clobbered by the monthly payments and there's an obvious fix, you have to take it.
Which is more at issue right now, the extra amount in interest a 30-year repayment will rack up, or the inability to make your monthly payments (or, put another way, the reduced standard of living that comes with making those payments)?
Interest paid on federal loans is tax deductible so you should get some money back at tax time and she can use that to pay on the principal.
If she has private loans she should try to knock those out first since there is no tax incentive, the rates are usually variable, and the interest is higher than fed loans.
@Tim B: If she's enlisted, her room and board may be partially or fully covered already. If she's commissioned, she receives an allowance for those things. (I think. It's been a while since I reviewed the military pay structure.) The point being that her take home pay may seem small but that's because some things are already taken care of by the military. (Which, incidently, is part of the reason why the DoD has such a large budget (part, not all). If you think about the number of people in the military and how much they have access to in terms of programs and other benefits, the DoD budget, which is huge, starts to make a little more sense. Sorry about the tangent.)
@saad: While it may be true that borrowing will become "more expensive to everyone later", that is the lender's risk not yours. Why they would put themselves in that position is somewhat beyond me. However, if you're making interest only payments or even paying some of the principal, by the time your loans are forgiven, you'll have paid almost, if not all, of the principal amount. So in terms of actual dollars, the lender probably hasn't lost much except a portion of the profit.
Thanks for jumping into the student loan topic!! A tip for J.D. – when people ask about school loans, finding out the type of borrower (private or federal) is key
One way to reduce federal loan payments easily, without even having to qualify, is a GRADUATED PAYMENT PLAN. I'm not sure if all lenders are required to offer this option. For a federal loan, you can SWITCH between FIXED payments and GRADUATED payment plans easily, without penalty, as much as you need to. In a GRADUATED plan, you simply pay less at the beginning and a higher amount by the time you get to year 10, and you still need to pay it off in 10 years.
While Megan will pay more in interest this way, she will not have to extend the life of her loan, and it should be much more manageable in the near term. She can also switch to a FIXED payment plan once her income increases.
Also key – if it's a federal loan, as her income increases, she will not be penalized by paying more on the PRINCIPLE of the loan. When paying above the monthly payment, submit the payment and indicate it is for PRINCIPLE. That way, the interest you pay on the life of the loan will decrease because the principle, upon which the interest is determined, will decrease.
Agree that we need more information about what she's doing in the military. Is she an officer or enlisted or officer candidate, as this will make quite a difference in anticipated pay in the next couple of years.
While I agree with the poster who noted that 50% of one's [take-home] income is a significant cash flow issue, it's also important to remember that in this young lady's case, her housing is being provided, either on base or with a tax-free allowance for off-base housing. So it's not apples-to-apples with what you might be thinking.
Additionally, while I applaud her efforts to save for retirement so early and with such limited means, I would like to offer some advice to ensure that she first only save in a Roth plan. Either a ROTH IRA, or a ROTH TSP, which I understand is either available now or in the works. Never make perfect the enemy of the good, for sure, but this was a small mistake that I made while I was in the Service. Her effective marginal tax rate will never again be this low.
"if lenders can't recover the principal it'll just make borrowing more expensive for everyone later."
Which of course, will just make colleges cheaper, so it's all a wash. They charge what the market will bear, when borrowing became cheaper and more accessible, tuitions skyrocketed. There's no other way to explain it; it's not as if professors are being paid more.
Yes, yes, talk to the lender. There are almost always different repayment plans. Will it stretch out the amount of time you're paying and possibly mean you pay more? Yeah, probably, but right now, it's your best option for keeping your head above water.
Income-based repayment if they are federal loans.
But we really need to know if it private or federal…
I just skimmed the comments and saw a lot of referrals to income based payments and loan forgiveness but I did not see the links for these programs.
From what I understand, only loans in the Federal Direct Student loan program (http://www.direct.ed.gov/student.html)qualify for forgiveness and only after 10 years of qualified public service (http://www.direct.ed.gov/cancellation.html).
If this duplicates another comment, I apologize. If not, I hope it is helpful.
A couple things – it also depends on what field Megan is working in. And it also depends on what kind of loans that she has – the best ones are typically Staffords and Perkins because they apply for loan forgiveness if she is in particular fields such as education, non-profit, etc.
I recommend talking to the lender to see if they offer any other options.
OK, this won't be popular. It's a LOAN. A loan she took out on purpose & she is reaping the benefits of. The way to deal with it is to be aware that she made a choice to buy her education with her future. Now is the future and she has positive memories and skills. Now she PAYS for it.
Either extend the term (through consolidation or income sensitive payments as listed above) and ultimately pay more OR deal w/ $643 in expendable income and knock the loan out in ten years. Those are the options.
Megan, I can say from experience that the ten years after college go by very quickly. Your income will go up over time, especially in the military. Also you have many peers who are in similar situations, so find some that also value frugality and hang tight.
Every time you see the loan payment go out, take a moment to appreciate the education and experience you bought.
I too went to a small private school and racked up just over $60,000 in student loans (no parent help). This most likely means that the larger, higher interest loans are NOT federal, but private loans. With the private loans you cannot do Income Based Repayment. Being in the same situation, I have dropped my federal (low interest rate) loans to a interest only payment for up to 2 years. This dropped my payments by about $100. I then started saving that $100, and any extra I can, into a Student Loan Emergency fund that I will grow to 6 months worth of student loan payments. After that I will go back to paying more then interest on the federal loans and begin paying extra on all loans (when feasible). But knowing I have the emergency fund takes a lot of the worry out of your mind and can give you freedom to even do things like start a new career or travel. Good Luck!
One thing to consider is what that interest rate really is: (http://www.studentloanconsolidator.com/consolidation/projected-rates.php) — when I consolidated nearly a decade ago, I thought I got a deal with around 4%. That's expensive these days!
Another thing to consider is that lenders will frequently reduce your interest rate for paying on time for a certain amount of time. I think mine was 6 months?
Megan, you might try looking into online passive income — JD's new blog for instance, but something that requires less regular input would be better for you I imagine. Check out my favorite blog: smartpassiveincome for inspiration/advice.
While it goes against the common advice on this website, I don't think consolidation should be ignored as an option… if she qualifies for direct consolidation through the Department of Ed anyway. Check out loanconsolidation.ed.gov. It will make your payments much more manageable, and you can make accelerated payments as you start earning more income.
That site also has links about income based repyament, so it's a good resource regardless of how you choose to tackle this problem.
1. If they are federal loans, you can ask for a deferrment of payment for 2 years. You tell them you are planning on going to graduate school. (Whether you do or not is beside the point), BUT if I remember correctly, it freezes the principal no more interest. And you can still make payments to lower whats there.
2. Actually go back to school. Enroll online somewhere, same thing. No interest is charged on the principal while you are in school and you can still make payments.
3. A long time ago…payments in total could not exceed 25% of your income. You have to file paperwork with you lender…talk to them about it.
Others have said this, but Income Based Repayment.
A GREAT website is:
Depending on your career (non-profit, government), remaining debt is forgiven after 10 years – the military appears to be one of the careers where your loans are forgiven after 10 years. The website above has a calculator to help you see if this is worth it. You will probably have to switch your loan from your original lenders to a Direct Federal Loan, first – most loans are eligible, but not all.
I did this (I work for a nonprofit), and, while it was a pain to get it all set up, it was the best decision I ever made. Now I can focus on paying off other debt and saving for retirement.
Take heart. It is hard now, but you have the tools to make it easier as time goes on.
I heard a statistic that someone in the military is promoted on average 4 times in their first few years of service. Assuming that comes with additional compensation, bank the extra and use it to pay down.
It might be wise to set up a consultation with a reputable fee-only financial planner who might be able to give you specific info about the student loans.
Think about what you can do within your schedule that might help you earn a little extra money that can be put on the loans. No one mentioned babysitting as an option.
Create a system to syphon off extra money to pay down debt. My sister saves all her job expense reimbursement money in a new car fund. Some people save all the $5 bills they receive in change, or all the coins. Do whatever works for you, and be disciplined in using that money to snowball debt.
Good luck!
on a different note, this just shows how ridiculous college costs are today. $55,000 is a ton of money, and college graduates are making minimum wage. my niece is racking up $80,000 at her college and she will graduate and become a social worker. she won't be making that much more than a person who didn't go to college and is a clerk or office manager. what's the point? $80,000 is a nice down payment on a house.
I used to work helping people with their FAFSA applications. There's only a few ways to get out of a student loan or get it reduced. You can a) become a teacher (conditions apply to time spent and type of teaching), b) become permanently disabled with no chance of rejoining the workforce or c) die. Bankruptcy won't get rid of student loans. Since you're in the military you might be able to reduce your loan as well, but memory is hazy there.
You can defer payments for up to two years, but interest will accumulate in the meantime, and if you've already deferred once, you don't get that time back (ie. if you deferred for six months, then started paying, you can only defer up to 18 months if you need to defer again later).
However, in your case you would be best to restructure the loan out to 30 years to lower the existing payment. Yes, that means having to pay more in the long run, but it'll also let you live now. And so long as you keep paying on time, it shouldn't be a problem to restructure again and shorten the loan when you have more money to put towards it. Also make sure to check if there are any benefits in relation to your military service on forgiving some of the debt. Like I said, my memory is hazy on who is eligible for debt forgiveness, but it's worth looking into.
I think it really depends on where your future lies. I kept up high student loan payments for the first 8 years, until I needed to readjust because of kids and all of that expense. The gvt recently passed the 10-year loan forgiveness plan for fed. loans if you work in certain lower-paying gvt. jobs. My job qualifies, but b/c it's not retroactive, by the time I finish paying 10 more years, I won't have much loans left. (In other words, I would have been much better off by reducing my loan payments and consolidating from the get-go) If you plan on being in a career which qualifies for loan forgiveness and you'll be doing that for 10 years, reduce your monthly payments by consolidating (if you can) and squirrel away the extra money. If not, I'd pay the higher amount as long as you can, unless you are planning on having kids and/or a house.
I would strongly advice against the interest only type modification or a very low payment based on your current salary. Those loan structures balloon and the payments then go even higher. I have a friends who chose this option and had to take a job she hates simply to try to pay for the even larger loan payments now. We all think our future salary will be higher, but in my state, we've not had raises in 4 years and will likely be without raises until the economy gets fully back on its feet.
This has nothing to do with the loans themselves, but have you tried adjusting your withholding to get more cash in your paycheck? At that level of income, your income tax should be minimal since you're in the 10% bracket.
I'd also look at getting a new job and selling anything you can to make some extra money and get that debt paid.
I think the problem is the income is too low ($1,280 is $8 an hour, $.75 above minimum wage), not that the payment is too high.
You may want to consider a part time job — I know that the military can call you up and you'll have to respond at a moments notice — but if you inform your boss of that fact during the hiring process and (s)he's alright with it, then there is no problem.
Consider if there is something you can freelance or do from home? This would allow you to set your own schedule for your second job, and if you have to report to the military, you can. What field is the degree in? What talents do you have? What do you do in the military? Are any of them a service you can market when your "off hours" from the military?
You always have the option, being in the military, to follow AC's (#1) advice and volunteer for deployment. One of my friends in the Army reserves was able to make serious savings while deployed in Afghanistan the first time doing construction; and he's currently there with a sapper team (much more dangerous), and because he has no real expenses almost all of his pay is going into savings.
Talking to the lender and revising your current repayment plan might be a good idea in the short term; but when you have the opportunity (wage), return to being as intense about the student loan as you would consumer debt.
I'm going to plug http://www.graduateleverage.com – they help recent grads navigate the student loan mess.
Note that they are NOT a debt consolidation, or other debt servicing company – they merely help graduates choose the best option for repaying student loans in return for a modest (like ~$250) fee.
Not affiliated, just appreciated their services.
"After taxes, I only make $1280 a month…"
Because she can write off the interest on her loan, she should definitely start with lowering the amount of tax she is paying on her income.
Consolidation dropped my interest rates as well as my monthly payment – technically I've got 20 more years to pay my remaining loans, but if I pay them off in 4 years (which I will at my current rate of payment), then I'll have paid less interest than I would have if I hadn't consolidated.
Also, whenever I receive a windfall (money for Christmas, tax refund, etc.) I spend a little on myself and then throw the rest of the money at the student loans.
If your loan is from Sallie Mae you can do a three tiered 10yr payoff. Where you pay less to start, which covers the interest and then it steps up a few years later. I did this and was able to pay a bit more at the start which shaved off years plus allowed me to survive when I needed help most after college
Someone making $1280 a month is probably doing something that she loves, like working for the Sierra Club. But in my opinion, she cannot afford it. Life is about compromises, and at this stage in her life, she is going to have to "sell out" and return to this dream later when she can actually afford it. The choice of such an expensive, private education has consequences and the responsible thing to do would be to live up to them.
I would say that if you can handle the payments now, to continue with the 10 year repayment. While in the military, I'm sure that you aren't paying much in living expenses. The sooner you can get the student loan albatross off your back, the sooner you can get on with your life.
Also, I would delay any retirement savings and put every penny I had toward your loans. I'm 42 and still paying off student loans and it's not fun.


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pure driving pleasure by chas in N.M. on 03/30/2007. Trim: 2002 Jaguar S-TYPE 4.0, Owned 6 years.
Pros: Ford has done an excellent job reestablishing Jaguar quality while maintaing the classic styling. Performance, quality and styling the S-type has it all.
Cons: Some will find the seating a bit hard on longer trips. More dealerships would be a good thing or better yet Ford could qualify Ford/Mercury dealerships to provide maintenance in non metro areas.
Overall review: Style, quality, performance what not to like. You won't want to give up the steering wheel.
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