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The Wisdom of My Father
Published on - June 21st, 2009 (by J.D. Roth)
This is a guest post from Ann Zerkle, a Get Rich Slowly lurker, and the founder of Heroes of Capitalism.
As the daughter of a truck driver and stay-at-home mom, my family lived very frugally (and very happily). As an adult, I see the wisdom in the frugality of my parents. Below are the frugal ideas my father always espoused.
- Work smart, not hard. My dad believed in hard work. He constantly put in 60 hour work weeks, and somehow still managed to be active at church and in the community. The trick is that Dad never wasted effort. He constantly innovated to keep working smart.
- Don't make special trips. Dad understood that cars are big, deceptive, money-sucking machines. He understood that every time he fired up a personal vehicle, money was going down the drain. As a result, it was a family policy not to just run out for an item.
- "It took me X hours to get that!" Whenever Dad bought something, he thought about it in terms of how many hours of work it took him to earn it. This left him walking away without whatever item he was thinking about buying several times. He often applied this to TV as well. He realized the time suck that TV can become.
- If you can put off buying it, put it off. My parents never had a car payment. They drove junky cars that they could buy with their savings. Even if the car was going to die in the near future, my dad understood that if he could put off buying a new car for another month that was one more month they had to save and put off paying for tags, registration, new insurance coverage, etc. Sometimes the cars would last way beyond expectations. Right now my dad is driving a 1992 Oldsmobile with 200,000 miles on it. He expected it to die two years ago, but it just keeps on ticking.
- You have to take a risk sometimes. Now that I'm old enough to care about investing, I've learned that my dad took some pretty big (yet calculated) risks as an investor. As a young man he lost money in the stock market because of his risks. He's changed his risk strategy over his lifetime, but still takes risks. He was really the first one in his family to start investing, so he basically learned from scratch and is continually taking his calculated risks.
- Don't be afraid to ask. My dad is not shy. He is never afraid to ask for help. This often took the form of borrowing. We had a large garden growing up, but never owned a tiller. My dad always borrowed one from a neighbor. He would ask his pipefitter friend for plumbing help. Even today he is not shy about asking my husband for computer tips and help. He knows what I have come to know: most people like to help, you just have to have the guts to ask.
- "That UPS truck just ruined my whole vacation!" My dad has worked for UPS for years. Whenever he was on vacation if one of those iconic brown trucks went by he'd say with a smile, "That UPS truck just ruined my whole vacation." My dad liked his job, but he understood the need for rest. One can't go on working 60 hour work weeks without rest. He always took a little of his vacation time just to hang around the house so that he could be ready to keep working later.
- Invest in yourself and your family. Dad understands that the only thing in this life that really matters is people. Ultimately all of our things can be taken away from us by governments, fires, and mismanagement. As a result, he knew the only sure investment is investing in yourself and your family. He helped all three of his children get through college in various ways. He continually improves himself with books, online research and asking questions. As a lifetime truck-driver he could have stagnated in his personal growth and still made the money he is making, but he chooses to keep improving himself.
- Let people feel the consequences of their actions. My dad did show grace to his children, but he also understood that we needed to feel the consequences of our actions. Around age nine, every January we had to present him with a yearly budget for our allowances. It included a variety of things like school supplies, clothing, spending money, camp fees, and incidentals. We would negotiate the yearly amounts, and then get that portioned to us on a monthly basis. I remember quite vividly one month my sister ran out of money about a week before allowance day. Instead of giving her money to go out with her friends, he let her stew for a week. I don't think that happened much after that first incident.
- Eat to get not-hungry. This may seem like an odd thing to say, but even as a little kid I can remember Dad saying, "We don't eat to be full; we eat to not be hungry." It took about 15 years, but I am starting to understand the deep wisdom in this. First, eating to get full is a fast way to become overweight, and being overweight has a whole set of financial ramifications. Secondly, focusing on food is not healthy. People who eat to be full on a regular basis are often consumed (pardon the pun) with food. As Get Rich Slowly has addressed in the past, the food we eat has a whole set of financial ramifications.
- People come first. The final overriding wisdom my father has imparted to us kids is that people come first. You can see this theme throughout the other parts of this list. My parents have a generous giving plan and believe in putting people first, above the environment, above animals and above material possessions.
Ultimately, my dad found what was important to him in life and put his money where his heart was. As a result of this he lives frugally and is deliberate with his money. This money philosophy was imparted to me at a young age and helps me to live frugally. As a result, my husband and I are getting rich slowly.
What did you learn about money from your parents? What do you hope to teach your children?
This article is about Hints and Tips, Real-Life, Relationships
Ann: I enjoyed your post, as it had me shaking my head yes to quite a few of those items. Your dad was an amazing role model for you and I'm thankful you could recognize all of those values.
From my mom, I learned horrible money management. My mom was a single mom who barely made the ends meet and continuously kept working as hard as she could to do so. Yet, she could also be so frivolous with her money at times. She declared personal bankruptcy twice in her life (that I know of), with the last being in progress at the time of her death. Although her death (a murder) was not forseeable, all of her decisions and the direction they led her were. As for my dad, my stepmom controls the money and overall they are doing well.
Currently, at 4 and 7 years old, my children are beginning to understand how we obtain money and how to use it. I do my best to help my children understand the money messages I convey. Their parents are coming from a position of learning to do it wrong before learning to do it better (not quite to right, just yet , so I hope they will grow up without making all the same mistakes themselves.
You're so lucky to have had number 10 ("Eat to get not-hungry") instilled at such a young age. I've been trying to train myself on that one for the past few years, more for the health/appearance boost than for the economic benefits. I'm pretty good at home, but I can't seem to help myself at restaurants. Anyway, great article.
I agree with a lot of these, but don't feel working 60 hours a week (see 1) is an example of working "smart" and not "hard". Working smarter, to me, means spending as little time working as possible so you can spend the rest of your life living. We already put in more hours than most people on earth with our year-round 40+ hour workweeks; putting in 20 more if you could survive on 20 fewer is the antithesis of working smart, or living well.
Similarly, 9 sounds like a simple variation on the idea of punishing people when it's within your power to do so if they do things you disagree with. On a larger scale, it's why most Republicans oppose sex education, contraceptives, and abortions while simultaneously opposing maternity care, childcare, adoption funding, and early childhood education. So count me out of that too.
I love the annual budget your father made you draw up for your allowance expenditures. I've never heard of that, but think its a great idea. It makes you think long term about your allowance – what a great idea.
I was with you (for the most part) until #11. I consider the environment – which includes our coexistence with animals and nature – into my life along with prioritizing. It's one thing to follow #8, but there are many people on this planet who are apathetic to their effect on our world that we shouldn't be so willing to put ahead of everything else. Maybe I'm just reading it wrong…
Great post, though. I really enjoyed the perspective.
Wow. There is a lot of wisdom in this post. I love the "eat to be not hungry" idea. Unfortunately my dad instilled a lot of ideas about owning the nicest car or the biggest house to make me happy. It's taken me years to overcome those ideas and thoughts.
I really like this post. I'm curious as to what motivated your father to teach financial wisdom … must have been your grandparent's upbringing? What stands out so much about this situation is this family is like so many others (meaning modest income), yet how the father looked at money made made all the difference. Other families would have popped items on the credit card and/or dealt with the facts of such a financial life with stress. A real lesson here its all about attitude.
A bit of wisdom that my dad learned from his dad was:
"Work your work, and don't let your work work you."
My family went from a situation where my father earned a high salary running his own catering business in the 80′s, while my mother stayed and home and schooled the 6 kids (sounds quaint now doesn't it??) My mother got cancer and in '93, and I recall the 7 years before I left home to go to a 4 year university a daily exercise in trying to stay afloat. My father rarely talked about money management. He only mentioned money in the context that we had none or to say a few things about how mom and he ran their finances. After my mother's death, he lost his job, took lower paying jobs to be around the house a little more, and had to tackle a mountain of medical bills.
BUT, I attribute this to my parents: They did not believe in debt. They paid off their house early, and had a sizeable amount saved from what I understand. They bought cars they could afford. Untimely death changed their financial situation for sure, but without their savings and anti-debt attitude, my family would have had even more of a challange to survive those tumultuous years after my mother's death.
to all those hardworking Dad's out there: Happy Father's day! I hope you get some well deserved rest and celebration today!
Get Rich Slowly published the story about what my Dad taught me about debt 2 years ago. Rather than type it out again, you can read it here in the archives:
Nice post!
I was thrown off by number one. Working 60 hour weeks does seem hard, not smart. And number 11. It's nice to put people first but if we don't see the environment as a priority as well then where will people's habitat and resources will be unavailable.
"My parents have a generous giving plan and believe in putting people first, above the environment, above animals … "
This is supposed to be an admirable frugal and life lesson? How very, very sad. But a mentality like this would go a long way toward explaining why entire species are going extinct and why several thousand years from now, this planet will be little more than a rotating chunk of dirt.
My parents taught me to respect and peacefully coexist with the environment and other living creatures – not trample them as it suits me.
One of the things my dad taught me is that if you don't have the cash to pay for it, you don't buy it. The only exception he has to that rule is his house. He didn't always pay cash for everything if it didn't make sense to do it, but the cash was always on hand and a loan or a credit card was paid off within 3 months. It's a valuable lesson that I'm glad to have learned.
My father grew up in Depression in west Texas and never trusted debt or the stock market after that…funny thing is, now that he is retired and managing his portfolio he owns no stock and has beaten most hedge funds and the stock index funds for the past 10 years. His goal was to sleep at night but the result was a decade of outperformance…pretty funny to me…the key to his success as an investor is to live within his means and invest according to his personality and risk tolerance. Good lessons for me.
Great post. What did my parents teach me about money? Absolutely nothing.
What will I be able to teach my kids? A great deal of knowledge thanks to sites like this and my hunger for financial knowledge and understanding.
Agreed with the other readers that this post was lovely until it advocated putting people "above the environment and animals". That doesn't make any sense – our relationship with the environment and animals not only defines our morality, it also defines our ability to sustain ourselves as a species, not just physically but spiritually too.
Maybe most people would generally agree with the idea that to some degree you can sacrifice animals and the environment for the benefit of humankind, but ideally we'd live and let live, and try to make as little impact on our beautiful planet as possible, right? To say putting people ahead of animals and the environment is one of your main life lessons that you'd like to pass on to us makes it sound like you are suggesting it's OK to pillage the Earth and abuse other species at our leisure. Disturbing.
Nice post. Like a few others, I object to #11, but aside from that… I also object to the point about cars. Sure, getting into debt for the latest and greatest car is,kt frugal or particularly smart, but the post makes it sound like there's something wrong with driving a nice car, period.
I don't see how driving a nearly 20 year old car is an admirable trait. It just sounds like a personal preference — just like saving for a nicer vehicle would be.
As a hourly worker I understand 60 hours a week. It is a smart move on your dad's part. Notice he worked 60 not 70- 80 hours as many do, this is called balance. Also he earned time and a half after 40 hours. For every 2 hours he worked after 40 he was paid an additional hour of salary. A person making $20 an hour increases their wage to $30 after 40 hours. The four hours of overtime would produce an additional $120 a day or $600 a week. This is money that could be used for his children's education or give his children the freedom of not working a $5 an hour job after school flipping burgers and instead joining the band or football team. $600 could mean the difference between your mom being a stay at home mother and nurturing his children full time or taking a job outside of the home. After all an investment in people is the best investment anyone can make.
Great post! I was a little surprised by some of the responses. I am wondering why someone would think that number 9 is a variation of punishing people (Let people feel the consequences of their actions). The simple fact is, when we make decisions there are consequences. The sooner one learns that there are consequences, the sooner one learns to make better decisions. Better decisions make better consequences.
Thanks for this post. I thought it was great. All of the points.
As to number 9. It is a tough one to follow through on, but the sooner you learn that lesson, the better.
If you've taught it to your children, it is a great thing. Too bad all parents don't do it.
Lovely post.
Although this is a PF blog, I would like to weigh in on the "controversy" surrounding #11.
The author never suggested that we should abdicate responsibility to the environment. Nor did she she encourage abuse and misuse. I am a vegetarian (because I strongly disagree with the living conditions that factory farmed animals are subjected to) — and yes I do think that it is important to put the NEEDS (not wants) of people above the environment and animals. It causes me to scratch my head when I see environmental causes getting more press and support than the millions and millions around the world suffering from the scourge of poverty. For example, 80% of the world lives on less than $10/day. 2.6 billion people live without basic sanitation. Nearly 1 billion people cannot read.
It is simply not good enough to say that because we live in the first world, these issues are not our problem. Hopefully, we can collectively use the benefits of our financial literacy to combat them instead.
My favorite piece of advise is one of your items above. I'm a strong believer in Invest in yourself. Keep up with the world by being open to learning new things as they are introduced. Be selective, though, so that what you spend time and money on is something that truly interests you.
Now that the economy is getting burned by bad financial decisions it's good that these kinds of values are coming back to the forefront.
I know, I know, they've never gone out of style for you all, but more people now are being more conscious about their behaviors. I'm glad to see it.
Great Post!
I was taken aback by one comment in particular that spun the author's words into "trampling the environment". Just because someone places people first, doesn't automatically mean that someone is out trampling the environment.
As for the question posed at the end of the article: My dad taught me how to budget and save at an early age. Both my parents were (and still are) very frugal, and wise with their money. They spend below their means, invest wisely, clip coupons, take advantage of sales at the Grocery store, and always wait at least 30 days (sometimes more!) before making any large purchase (and only purchase it after they've found the absolute best deal). So I too, have always been frugal.
I learned most of the same things from my dad, except I had to rebel against them for a few years to understand the wisdom.
I'd say the main lesson I learned by living the counter-example, was that family finances are a team sport. It's not OK to keep the family in the dark or allow anyone to abdicate responsibilities. Everyone needs to understand where we are, why we make our decisions, and what each of us can control.
I love the idea of an annual allowance budget! DS is 7, so a couple years away, but I'll revisit it when he turns 9.
The #1 thing my parents told me was: TO NOT MESS AROUND IN SCHOOL AND STUDY AS HARD AS I CAN.
They told me this in 7th grade thank goodness since grades start accumulating in 9th grade. I proceeded to mess around and have a lot of fun in 7th and 8th grade. Once 9th grade hit I STUDIED MY ARSE OFF! And b/c I did, I got into a prestigious unversity, and landed a job that paid me $99,985 my first full year out of school at the age of 23! At 24 I made about $150,000, and at age 25 I made $200,000 by getting a job offer at another company. At age 26, I bought my first 2 bedroom condo in a prime location in the city, and now rent it out cash flow positive b/c I bought it years ago. Even after the great downturn, I still make more than 2X what I did at 25.
I tell you, if I was only a B student in HS and College, and if my parents didn't tell me to work hard, I wouldn't have been able to live such a financially comfortable life now. So many of my B student classmates in HS are living very mediocre lives b/c they didn't focus during their school years.
STUDY HARD KIDS and don't mess around! The people who have all sorts of financial problems and dead end jobs complaining that the world is unfair to them didn't do their best in school. DON'T BE LAZY. Hard work breaks the cycle of poverty. Education is KEY!
Ann thanks for sharing– your dad sounds like a man after my own heart! Awesome ideas!
Wow, your dad is really smart! #3 is one of my favorites. I always try to do this. I calculate how much time I had to spend at work in order to buy something. It really makes you think if what your about to buy is really worth X hours working. Most of the time it really isn't. Buying video games used to be one of my big things. They are about $60 a piece. That comes to 3 hours at work which isn't really worth it to me anymore. When I was a kid I wouldn't think twice about spending my money on video games. I really wish I had the mindset I have now when I was a kid. I also think in terms of retirement. Buying things you don't need delays your retirement and I want to retire as soon as I possibly can.
One lesson from my father – when you take things to the dump to throw away – try to come home with more than you took.
(Unfortunately my dump doesn't allow rummaging…boohoo – so I just go yardsaling instead)
@TL: Environmental causes don't generally seem get more press and support than humanitarian causes (what dominates the news? stories of war, murder, recession and job loss? or stories about … environmental and animal related issues?), I would say people are generally more concerned with the plight of people than the plight of the environment in terms of news and charity.
But that wasn't my point, my point was that people and the environment interact in very complex ways, and basically it's usually hard to say that something good for the environment is not good for people and vice versa, since all species are to some extent interdependent and need clean air and water and sunlight etc. I don't think that people and the environment and animals are forces in opposition to each other, and thus I find the phrase "putting people ahead of the environment and animals" to be poorly phrased, at best, I really am not sure what the author meant by this, I can only guess. I just don't like the sound of it. It doesn't seem to have anything to do with personal finance, responsibility, or personal work ethic.
#26, if "C" is considered average, when did "B" become mediocre? There is something unsettling about the reasoning and conclusions of your whole post…
It's always interesting to see posts like this that at one point contradict conventional parenting wisdom. #10 seems incompatible with making your child finish eating everything you put on their plate.
I learned the most important lesson about money and life in general from my DAD is about NEEDS and WANTS. He did not teach me as such, but I saw him practice it daily.
Quick comment on the environment issue: everything we do to hurt the environment impacts people TODAY so there really is no way to put people ahead of the environment. For instance, life expectancy in areas with high levels of air pollution is lower than in regions with low levels of smog. The physical/emotional/FINANCIAL suffering it causes people with respiratory vulnerabilities is staggering. This is especially true of our most vulnerable populations, children and the elderly. Visit a hospital emergency room on a bad smog day and you will see what I mean.
Joe M – B = GOOD, but not good enough. If you want to make it in life, you have to be outstanding. There are billions of people on earth, and you gotta stand out. Why do you think immigrants from India and China are just dominating quickly after one generation? They study hard and get ahead. Can't blame them, only our own motivation.
I have to disagree Joe @3who said #9 " was a variation on punishing people when it's within your power to do so if they do things you disagree with". No, it's a lesson on consequences, and a pretty mild one at that. How can you possibly compare making a child go without allowance for ONE WEEK with Republicans' opposing birth control/childcare? That's not just a larger scale, it's positively exponential.
Personally I think this is the most important lesson in this post and one I wish my inlaws had followed; my sisters-in-law could have benefitted from being allowed to fall on their faces at some point. But that comes down to family politics and finances, which are always popular subjects on GRS!
From my parents I learned to value free time vs. money. My parents, college profs., set up their life so they had a lot of free time (summers off, a month off in the winter, etc.) and they worked hard and they scrimped on other things in order to have free time to spend doing the things they loved, camping, hiking, sailing, travel, time with friends and family. My parents still both make time to stay connected and to visit with their old friends from college. Their friends hardly ever make the same effort but they appreicate that my parents do so.
All in all, this post sounded like a pretty sad puritan life. Food is one of the great pleasures in life, and looking at it from a purely financial standpoint removes some of that pleasure. Great wines, artisan raw milk cheeses, the occasional nice steak – without them, life would be empty.
Great post. My father has instilled many of the same frugal financial values in me.
@beagle- I agree with your statement to some extent. If you have a little extra money to spend of course you need to be some away for pleasure money, good food is part of that. She actually talks about that in the article. However, if you are tight for money than what she states about eating is a very true statement.
Fabulous post! I'm glad you have such a great father. From my dad, I didn't learn all of these ideas/values. However, I did learn from him that you should keep going in life no matter what happens. And knowing that he'll be there in whatever circumstances, that's more than enough. Before I become a father myself though, I need to keep going and learning to be a better person so I can pass on all the great values to my future generations! Keep up the great work!
Thank you for a great post. Your words were ringing in my ears yesterday about cars being big money-sucking machines, as I urged my husband to go with me on errands so we could combine them all into one trip!
I also took to heart the point about eating to not be hungry, rather than eat to be full. I didn't make a leap to interpret that food should be cheap or we should be stingy, just that eating a sufficient amount rather than an excessive amount would mean a lot of savings on food bills over time.
@Beagle — when we eat to "be not-full", then we can enjoy small amounts of the best food possible and be satisfied and healthy.
The typical American way now is to stuff ourselves with mediocre food and then never be satisfied. There's no luxurious pleasure in that!
Love this post–especially the yearly budget!
Wonderful post. I actually read this post a couple of days ago, and came back to reread it again.
#9 (let folks learn consequences) and using the yearly budget was particularly interesting because, even if it fails, it teaches kids to think ahead and plan. In my experience, many folks who live paycheck to paycheck are not strong planners, both financially and in other areas of their lives.
#10 (eat to be not-hungry) was another excellent suggestion. Contrary to commenter #38 above, I do not read this as necessarily depriving oneself of the fine wine or the delectable food. Isn't truly fine dining about specifically NOT stuffing yourself, but enjoying the sight, smell, and taste of food and eating just enough to treat one's palate.
I completely agree with commenter #27 about the putting people first suggestion. One can put people first and still care a great deal about the family pet, the environment, and animals in general.
Lastly, I applaud commenter #26 for the many great accomplishments, and studying hard and doing well in school is a prudent piece of advice and will open doors. However, the commenter makes out like studying hard per se causes success. I would suggest it is only one factor. Luck also plays an important part in success.
GRS always provides great posts on a regular basis, and has many excellent commenters too. Keep up the great work!
Great advice. I agree with all but the last point. To me, animals and the environment are just as important as people. The key is balance.
To each their own, though.
@beagle: I don't fully agree with you. One can eat very well, very fine meals that are completely meat, egg, and dairy-free.
As vegans, my boyfriend and I eat like royalty–and it doesn't break the bank.
My dad taught, by example, the value of education. His family emigrated from Eastern Europe to Canada when he was 12. He spoke no English or French but he and his brother managed to succeed in school and in college and entered prestigious careers. Whenever we moved for his job he would pick the neighborhood with the best schools, no matter how long his commute, and he saved enough for all 3 of us to attend our college of choice. He helped us with homework and science fair projects and expected us to earn good grades and take the highest-level classes we could get into. My brother and I completed the International Baccalaureate program, with higher-levels in math, science, and English, and my sister took all AP classes in high school. My sister and I each have masters degrees and my brother has a PhD. All of us are working and happy in our chosen careers.
Thanks Dad!
I really enjoyed the post. Timeless advice!
Great advice. I think all the objector to #11 are taking it all wrong. She stated that their generous GIVING plan was to go toward people first. I think that by using money to help the downtrodden you are much more likely to help bring them to a place of hope and change. People who are struggling desperately to get by are generally less likely to care about the big picture when they aren't making in the small picture. I don't necessarily think that throwing money at the environment will help it. The sierra club and other environmental organizations spend an awful lot of money and waste and awful lot of resources sending out cards, stickers and giving away free tote bags that end up in the trash. I think my money would be better spent donating it to an organization that educates children about consumerism or evironmental issues or just plain out helps them to have enough to eat than somewhere like that.
Thanks for this heartfelt post! Even though we might have thought that our parents had everything all wrong sometimes, all you need to do is get a few years under your belt and you find yourself thinking the same way they did.
Thanks again for sharing – your post made my day!


text:
Thomas is back on the flow chart now. Asks if DBH and DHB are over-riding issues in the city. Latimer says yes.
Thomas asks about special administrator of water before Kwame and if before ARcher Latimer remember Coleman Young. Latimer says yes.
Thomas asks about "design and build process" described in flow chart. Latimer says process applies. Judge says lets wait and do that in the morning. And we're done for the day. M.L. Elrick will have a complete wrap up at 5 and 6 on Fox 2, plus his Daily Take Away on MyFoxDetroit.com. See you tomorrow.
Thomas asks if DLZ got re certified later after one of the brothers running the company moved back to Detroit. Latimer says he heard there was some kind of rift but wasn't aware of the details.
Thomas showing a flow chart now prepared by IMG. Latimer says this was prepared for Judge Feikens. Latimer says Feikens was put in charge of DWSD because of the pollution lawsuit.
Thomas asks if Latimer remembers when the Detroit River was brown. Latimer says yes and it's approved since then.
Thomas asks if Feikens was also changed with making the department more efficient. Latimer agrees.
Thomas asks if IMG was hired to study efficiency. Latimer says yes.
Thomas is looking at the negation recommendation letter for 2014 and asking if this directly prior to the Super Bowl. Latimer says yes.
Thomas asks if they were on a pretty short leash for time. Thomas corrected that Super Bowl was already over, says he got off track and will get to the SuperBowl later, moves on to the list of contractors.
Thomas asks if there is a cost to giving preferences. Latimer says yes, agrees that as an African American male there are costs to not getting contracts.
Thomas asks if it's proper and right to do that. Latimer say yes.
Thomas asks if it may have cost more in theory but having local contractors may have saved money as well. Latimer says correct.
Tomas asks if people earning money in the city will pay income tax. Latimer says correct.
Thomas asks if multiplier effect also plays a role. Right.
Thomas up, asking about the process of evaluation. SAys he wants to talk about as needed contracts and what was going on in the city at that time. Asks if minority hiring was important. Latimore says no. SAys that was in the past but struck down by Supreme Court.
Thomas says Detroit wanted to promote putting minorities to work, for the multiplier effect it would have on the economy.
Latimer agrees with Thomas that ARcher brought in the Detroit BAsed Business idea to counter the case the court struck down.
Thomas asks if preference was given to DBB and DBH companies. Latimore says correct. Thomas asks if that stood the test of time. Latimer says correct.
Now looking at letter prepared by Latimer recommending Lakeshore get the contract, also signed by Mercado.
Chutkow now puts up the negotiation recommendation letter for the other contract. DPM was recommended for this contract. It shows that Superior came in $2 million less. Chutkow asks if Superior had a history of low balling bids. Latimer says not in his experience.
Chutkow asks if Superior might have saved the department money. Thomas objects. Judge sustains. Chutkow is done.
Latimer says this only happened on one other contract that he can remember. Latimer says the change in process reduced DLZ's score. Latimore says it's his understanding that PPM's partner Xcel was related to Ferguson.
Latimer says Superior/DLZ submitted a good proposal.
Chutkow puts up another document, Latimer explains it's the certificate of certification for A&H contractors.
Chutkow asks if in May of 2006 Latimer learned that A&H didn't have DHB certification. Latimer says it came up on one of the Lakeshore contracts and they investigated to verify by contacting Human Rights. SAys the answer came back that A&H didn't have Detroit Headquartered but did have Detroit Based Certification.
Chutkow asks if they'd accept a late certification. Latimer says it had to be in 24 hours prior to submission of proposals. Latimer says he told MErcado this one was late and MErcado told him to add it.
Latimer says they'd received missing certifications but not new certifications. Says this changed Lakeshore score and moved them from 4th to second. SAys Lakeshore got one contract and DPM got the other.
Latimer says MErcado told him 2015 should go to DPM and 2014 should go to Lakeshore.
That letter was back dated to before DLZ submitted their bid. Latimer says he wouldn't know if DLZ was told about the revocation.
Now looking at a Memo from Phillips to Mercado, Latimer, and Then Deputy director Gary, Fujita. It's dated Nov. 26, 2007. It says DLZ is certified and certification should be good until August 2008. Latimer says it's after the award of the contracts.
Chutkow going back to scoring lists again. Superior/DLZ top both the standard and Average Cost RAnkings but drop to 3rd after certification once DLZ had certification revoked. Only 2 contracts were going to be awarded.
Chutkow asks if Mercado tipped Latimer off about something coming in the mail. Latimer says yes but didn't know what it was. Not looking at Letter from Grant Phillips saying DLZ's DHB was revoked. Not a Detroit Headquartered Business any more.
Thomas was just whispering with Chutkow at the podium, now the two are having a small conference with Latimer. It sounds like he's answering some technical questions, giving glossary like descriptions of some of the terms in the contract.
Chutkow now showing a new exhibit, it's a page out of the Mayor's calendar. It shows the meeting with Mercado and Latimer. Latimer says that's when they met.
Now Chutkow is showing a letter from Latimer to the director of the human rights department Grant PHillips letting him know the dept is evaluating contracts 2014 and 2015 and asks to verify DLZ's headquarter location.
Latimer says Mercado requested he send the letter.
Latimer says Mercado didn't explain why. Says they have checked qualifications in the past.
Latimer says it's used in the scoring and evaluation process. It's dated May 5th, the day after the meeting with the mayor.
Court is back in session, everyone is standing, and the jury filing in. It's almost ceremonial, the entry of the jury, it reminds me just who holds the fate the defendants in their hands.
And Chutkow asks for a 5 minute break.
Latimer says the Mayor asked about Superior's partner DLZ, the top bidders on these contracts, and Latimer told him DLZ was based in Columbus Ohio. Says Mayor used DLZ as an example.
Latimer says typically the RFP explains the evaluation process. Latimer says he can't recall using Average Cost method before or after this project.
ACcording to the document the Average cost ranking evaluation was done about a month after the standard cost ranking evaluation. Latimer says he shared results with MErcado.
Lakeshore moved up, but not to the top.
Chutkow now showing the evaluations for contract 2015. Superior, EBI, and DPM are top on the standard ranking. For the Average Cost evaluation DPM moved up to number two and EBI dropped to 5th.
Latimer says MErcado told him they had to meet with the Mayor, that when he asked what it was about Mercado said we have a meeting shut up.
Latimer says he explained to Kwame that people were concerned and complaining about not enough work going to local economic development.
Latimer says he recommended that 2 companies be tossed because of trouble on previous jobs and inability to do the work. Says Mercado said he didn't want to throw out any companies so they'd use Average Cost to decide who would get the contract. Latimer says he was concerned about changing the evaluation rules halfway through the process. Says it may not look good.
Latimer says he told Mercado it doesn't look good to do this. Says after you've seen the result it doesn't look good.
Latimer say he told Mercado it doesn't look good.
Back from sidebar. Chutkow asking about Superior Engineering being ranked number one in the Standard Scoring. Latimer explains that Superior was partnered with DLZ and Lakeshore was partnered with Ferguson.
Latimer says he presented the rankings to Mercado. Says Mercado had concerns about the wide range of pricing and that some of the low prices were too low. Latimer says he recommended the 2 lowest priced firms be tossed because they didn't have documentation to justify the dollar amounts. Could' T substantiate that low price was real.
Chutkow now introducing a new document showing the rankings of contractors. There are three ways, Standard, Average cost and Average after DHB"S. These scores were done in 2006. Latimer says these are for contracts 20-14 and 20-15 and the Mercado didn't want both contracts to go to the same bidder. Wanted to split them up. And we're getting a sidebar.
New document. Memo to Latimer from Mercado about canceling contract 1361 and transferred to 1268. Latimer says it's dated the day after the email Mercado asked him to write the email.
Latimer says it was copied to a number of project managers and division heads, the requesting division.
Chutkow had asked if Latimer knew why Mercado wanted him to write that email and if was to use to justify the letter to the department heads. Thomas objected. The judge allowed it but then Latimer said he didn't know. When Chutkow tried to get clarification Latimer said he didn't know. Chutkow again tried to ask in another way and Thomas objected again saying if the guy doesn't know he doesn't know. Judge Edmunds agreed and Chutkow has to move on.
Chutkow switching exhibits. Latimer identifies this as the email he sent to Mercado about the cancellation of the contract.
Date is July 14th 2003. SAys contract 1361 is canceled and will be added to 1368. Latimer says money will be saved by managing just tone contract. Says he wrote it because Mercado asked him too. Thomas is objecting. Judge says he can tell what he was told.
Latimer says he wrote a prior email saying Mercado had the option of reducing the scope but didn't have to cancel 1361. Latimer's opinion is the contract didn't need to be canceled, he had other options. Says it's correct that Mercado had already signed off on it. Says the words Save Money managing one contract rather than 2 were dictated to him by Mercado.
Chutkow asks if Mercado explained why he changed his mind. Latimer says only the info he told him to write in the email. Says he was uncomfortable writing this email because these weren't his words.
Says Mercado also asked to do a similar email on another project.
Latimer now looking at the setup contract that identifies sub contractors. This subcontractor form relates to a sewer lining contract and shows that Ferguson is being added to the contract. Latimer says this is a Capital Project, Wall Street Financing. Latimer says the contract was held up but he doesn't know why.
Latimer is now looking at the letter to the water board after the department negotiated and approved the contract. Says this is one of the last steps. Latimer says it's signed by Mercado and stamped approved, which means the board signed off on it too.
swapping exhibits now. Latimer says this is the board minutes with the motion to approve. Latimer says the justification for the contract is to repair sewer lines on an emergency basis. Says significant amount of work is done to get to this point.
Chutkow now showing Lakeshore's proposal for emergency sewer repair, project number 1361. Chutkow asks if Lakeshore filled requirement for 100% Detroit Based, actually exceeded the requirement.
Latimer says they checked out as Detroit based business. Says Lanzo and Hayes are local companies too, do excavating and sewer work. Says he never got an complaints about work performance.
Chutkow now showing a letter to Rachmale. It's a contract proposal letter that was sent out to Lakeshore. Latimore says this contract was awarded on merits. It's an operations and management contract.
Latimer says it's an as needed basis if an emergency should arise. Says the company would be on stand-by. Says funding source is important. There's 2. Operation or CApital Funding. This would be borrowed money through a bond say. Funds can't be co-mingled.
Darryl Latimer is being called to stand and sworn in. Mark Chutkow is doing the questioning. Latimer is the Deputy Director of the Detroit Water and Sewerage Department. Been Deputy Director for 2 years. He was the contracts and Grants Director before that. Was interim Director in late 2010 through early 2011. Says he's worked for the department for 24 years.
He was the head governmental analysts when Kilpatrick took over. Oversaw consultant contracts.
The court room is filling up again. "all rise." Court is back in session.
Evelyn asks if on one contract he could have used any contractor but chose to go with Ferguson. Rachmale says the department asked him to keep Ferguson on the job.
Evelyn says Hardiman testified that the profit margin was 10 percent. EVelyn asks if Rachmale is a millionaire. Prosecution objects. Judge sustains. Evelyn rapid fires off a couple more questions so fast I couldn't even hear what he was saying, says he's done, and Judge Edmunds calls for a 20 minute break. AND, excuses Rachmale. We'll have a new witness after the break. Could be Darryl Latimer from the water department. We'll see.
Thomas asks if RAchmale even complained. Rachmale says no. Says in meetings he did have with Kwame he never brought up losing the contracts.
Thomas now showing a letter from Mercado canceling the contracts. Thomas reads "we TRUST THERE WILL BE FUTURE OPPORTUNITIES FOR YOU."
Thomas asks if he didn't make $157 million in future opportunities. Rachmale says he billed that but didn't make $157 million.
Thomas is up, asking RAchmale about contracts that "were taken from you." Asks if Rachmale said the contracts were taken from him. RAchmale says yes. Asks if those contracts were on an as needed basis and could be canceled at any time. Rachmale says he's not aware of that.
Thomas is now hunting for an example. Showing Rachmale a document. Now asking if a reward was made as to his bid on an as needed basis. Yes. Asks if City can cancel an as needed contract. Yes. Asks if Rachmale knows that a contract can be canceled if it's in the best interest of the City. Yes,
Does he know if the contract was given to someone else. yes. Asks if there's already a contractor out there that could do the job it might be in the city's interest. Yes.
Thomas asks if the city might not even need a reason. Yes.
Asks if without any other knowledge about why the contract was canceled he thought Ferguson was involved. RAchmale says yes.
Chutkow now asking about competing bids. RAchmale says he didn't list Ferguson because Ferguson was competing for the contract along with another contractor as construction manager.
Rachmale now explaining that his company finished another Ferguson project to accommodate the city, one that Lakeshore didn't bid on.
Chutkow now showing the defense exhibit listing the Lakeshore contracts. Chutkow asks if all of the $157 million went into Lakeshore's pocket. Rachmale says no, the paid subs, bought material and supplies, and the 4 percent was leftover for profit. Says Lakeshore got 8 cents on the dollar and had to pay expenses so the final profit margin was more like 3 cents on the dollar.
Chutkow asks what Rachmale would do with a contractor he wasn't worried about making unhappy. Rachmale says he'd try to work things out but would replace the contractor if that didn't happen and he wouldn't pay him a million dollars.
Rachmale says no he wouldn't have paid Ferguson if he hadn't been worried about making him unhappy.
Chutkow now asking if working on old sewer systems means unexpected things come up. Evelyn objects. The Judge shuts him down too.
Chutkow asks if Lakeshore got fines relating to the Joseph Compau outfall. Rachmale's says no. ASked if Water Department was happy and if Lakeshore got more work. yes.
Chutkow now showing text message between Bobby and Kwame talking about the price of his contracts. Rachmale says no. Thomas objects. Judge Edmunds overrules, says Thomas asked him all kinds of questions about why he wrote that letter to the judge, this is proper redirect. Thomas sits down in a huff.
Chutkow asks if, when Rachmale wrote that letter he know Kwame and Bobby were talking to his contracts. RAchmale says no.
Chutkow now asking if Rachmale ever took advantage of his relationship with Patel to help him with the City. Rachmale says no. Chutkow asks if Patel had any power to make contract decisions. Rachmale says no and adds that his work for the building and safety department was small, about a fifth of a penny for every dollar lakeshore made.
Chutkow asks if revenues from the building department cross his desk. Rachmale says no.
Chutkow ask when RAchmale started buying real estate with Dilip Patel's wife Mena. Rachmale says 1996. Says Mena Patel kept the books and found tenants and that's what he was paying her for. RAchmale says after the allegations surfaced he told Dilip Patel to stay away from Lakeshore. Says his relationship with the Patel's has changed and it's strained.
Chutkow is now up for redirect. Thomas just got done asking a bunch of questions about the support letter, emphasizing that Rachmale sent the letter despite further charges being leveled at the mayor. Rachmale says he wasn't aware of all the charges and may have done things differently had he known. TI got no idea where Thomas was going with that.
Jim Thomas is up, he's looking at that phone list again, specifically the entry of Diana Stewart VP operations for A&H. Thomas wants to know if RAchmale knows who she is the mother of. RAchmale sounds unsure, finally says Kandia Milton.
Thomas now showing letter to Judge Groner that Rachmale sent to Support the Mayor during his sentencing for the whistle blower case. Thomas wants to know if Rachmale saw leadership from the Mayor and progress for the City. Yes.
Thomas wants to know if his support was despite the widely publicized state charges. RAchmale says he saw a personal issue and a business issue.
Thomas wants to know if he had a special relationship with the Mayor. Rachmale wants to know what he means by special. Thomas says Rachmale was on the transition team. RAchmales says that was a limited relationship.
EVelyn is now showing an email from Brian Caldwell at A&H saying Dilip was questioning authorization of work done in the building after a tenant has moved in. The email also says a contractor named Bruce Washington had not been paid. Evelyn wants to know if Dilip stopped the payment. Rachmale says no.
EVelyn how has a Lakeshore phone list on the screen, Dilip Patel's name is on it, and Evelyn is asking if means Patel was an employee. EVelyn also asks if Patel made business decisions for Sky Group, Lakeshore real estate company. Rachmale says no. Rachmale says no. Evelyn also points out that there are other names on the list that are not employees but they have outside email addresses. Rachmale sticks with his story that Patel was not an employee.
Court is in session. Gerald Evelyn is asking Rachmale about his relationship with Dilip Patel. Rachmale says he did not hide his ties to Patel and granted complete access to government agents when they first interviewed him. EVelyn is now showing a business card with Patel's name on it and the Sky Group name on it. Rachmale is still claiming that Patel was not being paid. Evelyn also asked RAchmale about investment money he owes Patel. Rachmale says that money is in escrow and he hasn't paid Patel anything.
Avanish Rachmale, Lakeshore Engineering President, will be back on the stand this morning. It could be an interesting morning if we pick up where we left off yesterday. Bobby Ferguson's attorney got Rachmale to admit a longtime friendship with an insider at the City of Detroit's building and safety department, a guy who was directly responsible for supervising the employees who inspected Lakeshore asbestos removal contracts with the City. What came out in court was that Dilip Patel had a cell phone paid for by Lakeshore, free access to the building, a Lakeshore email account, and even an office in the Lakeshore building, an office that Rachmale says he didn't know about.
So it looks like Rachmale was no stranger to courting connected persons who could help him win city contracts. And the $155 million in city contracts he got after teaming up with Bobby Ferguson would make it appear that he was very successful.
And Patel may not have been the only insider courted by Rachmale. Bernard Kilpatrick's attorney, John Shea, brought out more interesting testimony about those 2 big contracts won by Lakeshore but pulled before they could get started. These are the now famous, $10 million and 5 million" contracts that figured so heavily in the testimony of Tom Hardiman. From what both Hardiman and Rachmale testified to when questioned by prosecutors, it appeared that Bernard was hired to find out what happened to those contracts. The prosecution's story was simple, Lakeshore won 2 contracts, had them pulled, couldn't find out why, hired Bernard as a consultant, paid him $2500, and Bernard told them to talk to Bobby. But Shea ran through the dates on contracts and the times of meetings with Bernard, and in the only "Aha" moment of the trial so far, got Rachmale to admit that Bernard may have been brought on board well before those contract problems started.
She also surprised me when he asked Rachmale if was not Bernard who told them to talk to Bobby but another guy, Perry Metah. That was going back deep into Hardiman's testimony. I didn't remember that. But Shea brought up Rachmale's grand jury testimony, his interviews with agents, and Rachmale's own testimony. So I guess this is why defense attorneys make big bucks. And why the defense was so testy about hearsay being allowed during testimony. As Shea brought out, Rachmale heard it from Hardiman who heard it from Metah who we are to assume, heard it from Bernard. Unless he heard it from someone else.
Some simple stories have not so simple endings.
Good morning from the Theodore Levin Federal Court House in sunny downtown Detroit.
Ken Martinek is Senior Producer-Investigations for Fox 2 News. You can contact him at firstname.lastname@example.com
WJBK-TV | Fox 2 16550 West Nine Mile Rd.Southfield, MI 48075Main Station: (248) 557-2000Newsroom: (248) 552-5103

subset: commoncrawl


text:
Last night, Paula Abdul judged, Karina cried and people did a lot of flips and lifts.
The opening number has lots of ladies in their skivvies, dancing with men who get to wear pants and unbuttoned, but tucked in shirts. It starts with one woman in the center of a large piece of black fabric, like the parachutes we used to play with in elementary school gym class. Except nobody's playing "Fruit Basket Turnover" which would be much more amusing.
They show Bruno telling the other judges about Bristol, "She didn't get it wrong once. Not once." They neglect to show the blindfold he wore during the routine. Kelly & Val are all schmoopy in the backstage interview - Kelly has the look of someone who's been given GOOD painkillers.
Shawn & Derek are safe.
Kelly & Val are safe.
Bristol & Mark are in jeopardy. (Ohpleaseohpleaseohplease let her be going home tonight)
Sabrina & Louis are safe.
Carson Kressley is back and wearing a spangly jacket and he makes me grin. He discovers Kelly in the hair and makeup trailer, with ice on her broken toe. And then he's helping apply bronzer to Gilles's chest, because sometimes in Hollywood dreams do come true. Then Carson greets Maks like a long-lost brother and calls him Little Lord Fauntleroy (which Maks doesn't get) and then the Great Maksby. F. Scott Fitzgerald gently rotates in his final resting place.
Tom says he "going off-script" to make a point of emphasizing that tonight's dance number is not prerecorded, like they sometimes are, but is LIVE. It's a Christopher Scott-choreographed performance from The League of Extraordinary Dancers. I'm really looking forward to this - they're usually amazing.
Christina Grimmie is there playing "Titanium" - a song I didn't know until I heard it in Pitch Perfect (a fun movie, by the way). The dancing is several b-boys doing their moves with a ballerina en pointe. And then it gets a little Clockwork Orange with guys in white suits and black bowler hats. The ballerina has kicked off her toe shoes and is now doing moves that are more lyrical jazz than ballet. That was really beautiful, but I have to admit to liking the LXD at full-speed.
Next week is "Guilty Pleasures" week. Emmitt's is "Copacabana." Gilles admits his is Whitney Houston's "I Will Always Love You." Can't say that I'm looking forward to hearing a DWTS band singer try to tackle that.
Bruno practically drools on Gilles backstage when he sees him shirtless. Up in the box after his performance the other contestants are doing that "Ole" soccer cheer. It's endearing. Len apparently saw the moment Apolo's mike came off. It's a good thing Karina wasn't hurt, that was a HARD landing.
Gilles & Peta are safe.
Emmitt & Cheryl are safe.
Apolo & Karina are in jeopardy.
There's a problem with the teleprompter and Tom covers saying, "What do you want me to say? I'll read anything you put in front of me. Like 'Anchorman.'" Say it with me if you know the words: I LOVE HIM SO MUCH.
Cheryl's choreographed a group dance with two other couples she's known since she's 12. And Tito Puente Jr. will be playing percussion because why not? It's Santana's "Oye Como Va" - I'm kind of surprised they didn't have Santana back on. He was just on last season.
Tony and Melissa beat themselves up a little bit for their problem with the lift. Highlights from Kirstie's routine include the part where it seemed like Maks' struggled to lift and push her across the floor. NOT NICE, producers. Backstage they're crowing about getting "their first 30" and they don't care that it took an extra person to get it. Good attitude.
Melissa & Tony are safe.
Kirstie & Maks are in jeopardy.


text:
Remember all that controversy surrounding Melissa McCarthy's Elle Magazine cover?
People were complaining that the actress was covered up by big jacket, while other, thinner women show a lot of skin.
She was on Jay Leno to talk about what she dubbed "Jacket Gate"!
"We live here in LA, and I was like, I can't wait for fall, so sick of the hot weather… and then Jacket Gate started," she quipped on to Leno.
McCarthy says that the jacket was 100% her idea. She wanted the cover to look like a "walk of shame", with her hair all messed up and wearing that big coat.
McCarthy says that she finds the outrage pretty funny. The only thing she's upset about: is not keeping that $3,000 cashmere coat.
Join FOX 29's Mike Jerrick and the Good Day Philadelphia team for a tasty night of yummy treats benefiting local youth.
KSAZ-TV & KUTP511 W. Adams St.Phoenix, AZ 85003Phone: (602) 257-1234Fax: (602) 262-0177


text:
Topics: Medicaid, Politics, Health Reform, States
Dec 24, 2013
Media outlets look back at the decisions made by Minnesota, Wisconsin and Texas leaders about expanding coverage to the poor under the health law and what that will mean for residents living just above the poverty line.
MinnPost: Minnesota, Wisconsin Diverge On Health Care Coverage For Those Barely Above Poverty Line
People in Wisconsin and Minnesota living just barely above the poverty line are about to see their health care fortunes change — in opposite directions. In Wisconsin, about 77,500 people are expected to lose Medicaid and will have to obtain coverage through the private exchanges. These include 38,067 people between 100 percent and 133 percent of the federal poverty level, and 35,781 people between 133 percent and 200 percent (Hertel and Nord, 12/23).
The Texas Tribune: Year In Review: [Texas] Health And Human Services
The medical community, local government leaders and health care advocates pushed lawmakers to expand Medicaid under the federal Affordable Care Act, or to propose an alternative "Texas Solution" to reform Medicaid. They hoped to find a way to draw down billions in federal dollars to expand health coverage for the poor. But Gov. Rick Perry and legislative Republicans refused to expand a "broken" program, and instead approved a measure to block the Health and Human Services Commission from expanding Medicaid eligibility without legislative approval (Aaronson, 12/24).
This is part of Kaiser Health News' Daily Report - a summary of health policy coverage from major news organizations. The full summary of the day's news can be found here and you can sign up for e-mail subscriptions to the Daily Report here. In addition, our staff of reporters and correspondents file original stories each day, which you can find on our home page.
© 2014 Henry J. Kaiser Family Foundation. All rights reserved.


text:
Non-metallic mounting bar for PocketWizard radios equipped with 1/4-20 socket. Used for isolating a receiver from metal light stands and other mounting options that may affect RF performance.
Length: 4" (10 cm)
From 1/4-20 male
To 1/4-20 female
International Catalog Number: MB4
US Catalog Number: 804-701
Trademarks are the property of their respective owners.


text:
looks good, good price
14-Pc. Outdoorsman's Cutlery Set
Item # WX2-421717
- Google+
You must be 18 years of age to purchase this item.
Shipping restrictions apply to this product under some jurisdictions. Known age, state and local shipping requirements are applied at checkout and may result in changes to an order.
This item cannot ship to Canada.
This item cannot ship internationally.
- Details & Specs
14-Pc. Outdoorsman's Cutlery Set. A full roster of field dressing tools for LESS!
Every blade for every situation, in 1 comprehensive set! Our team of opportunistic bargain hunters caught wind of this Close-Out deal and just had to track it down, bagging big savings for you along the way!A complete selection of quality field cutlery for a limited-time low price:
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text:
Use the form below to login or create your free personal favorites file to keep track of listings
that interest you. Save valuable time searching by marking any listing that interests you.
It will be filed for you to review anytime.
For a quick description of all our free services click here.


text:
The Institute for Advertising Ethics (IAE) is administered by the American Advertising Federation (AAF) in partnership with the Reynolds Journalism Institute (RJI) and the Missouri School of Journalism.
Its fundamental purpose is to Inspire Advertising, Public Relations and Marketing Communications Professionals to Practice the Highest Personal Ethics in the Creation and Dissemination of Commercial Information to Consumers.
The mission of the IAE is to serve as the primary resource for advertising professionals and academics and students on issues regarding advertising ethics, to include (1) Conducting research on the importance of, and issues regarding, ethics in advertising; (2) Educating advertising, public relations and marketing communications professionals, and academics and students on the importance and content of advertising ethics through (a) the articulation of Ethical Principles and Practices for Advertising, along with the Commentary, on this Web site, and (b) by conducting online and offline conferences and seminars; (3) Designing and issuing awards to companies and professionals for enhanced advertising ethics; and (4) Facilitating interaction between advertising, public relations and marketing communications professionals, and academics and students for discussion on all areas of advertising ethics.
The Institute for Advertising Ethics is governed by Independent Council consisting of the following professionals.
Ex Officio Members:
Legal Counsel
"The Advisory Council of the Institute for Advertising Ethics encourages the endorsement and promotion of the Institute's Principles and Practices for Advertising Ethics by Marketers, Ad Agecies, Media Companies, and academic, professional and business associations. The procedure, as stated in the accompanying Resolution, dated April 14, 2011, is very straight forward and simply requires notification to the Executive Director, Wally Snyder at firstname.lastname@example.com, that the company or organization is endorsing the principles utilizing the name of the Institute for Advertising Ethics. All parties so notifying the Executive Director will be posted on the Institute's Websites. The Institute also will review recommendations to add additional Commentaries to the Principles and will announce approval through publication on the Institute's Websites, www.aaf.org; and www.rjionline.org. "
Principles and Practices Endorsement Resolution
To view the Principles and Practices you must download the PDF:
Principles and Practices with Commentary


text:
National Gay and Lesbian Task Force urges passage of fair and humane DREAM Act
Inga Sarda-Sorensen
Director of Communications
(Office) 646.358.1463
(Cell) 202.641.5592
WASHINGTON, May 12 — The National Gay and Lesbian Task Force, a longtime advocate for fair and humane comprehensive immigration reform, commends the reintroduction this week of the Development, Relief and Education of Alien Minors Act (DREAM Act) in the U.S. Senate and House. The DREAM Act offers undocumented young people "conditional permanent residency" if they arrived in this country before they were 16 and attend college or serve in the military. Upon graduation or completion of their enlistment, they would receive permanent legal residency with an opportunity to apply for U.S. citizenship. In addition to the DREAM Act, the Task Force is working in coalition with immigrant rights groups toward passage of comprehensive immigration reform and the Uniting American Families Act.
Statement by Rea Carey, Executive Director
National Gay and Lesbian Task Force
"Many people like to say that youth are our future. Passage of the DREAM Act will actually help ensure brighter and more secure futures for our young people, including countless lesbian, gay, bisexual and transgender youth, by providing them a path to citizenship. The United States is built on the belief that everyone get a fair shake to fully participate in civic life, and to be able to build a future in the country they love and call home. Passage of the DREAM Act will do justice to this fundamental and humane principle. We thank the Senate and House members who this week reintroduced this critical legislation. We urge for its swift passage, and continue to call on federal lawmakers and the Obama administration to work toward fair and comprehensive immigration reform."
To learn more about the National Gay and Lesbian Task Force, follow us on Twitter: @TheTaskForce.
The National Gay and Lesbian Task Force Action Fund, founded in 1974 as the National Gay and Lesbian Task Force, Inc., works to build the grassroots political power of the LGBT community to win complete equality. We do this through direct and grassroots lobbying to defeat anti-LGBT ballot initiatives and legislation and pass pro-LGBT legislation and other measures. We also analyze and report on the positions of candidates for public office on issues of importance to the LGBT community. The Task Force Action Fund is a 501(c)(4) non-profit corporation incorporated in New York. Contributions to the National Gay and Lesbian Task Force Action Fund are not tax deductible.
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text:
April 29, 2008
Of all 2007 high school graduates, 51.8 percent were participating in the labor force in October 2007.
Among recent high school graduates enrolled in college in October 2007, 93.2 percent were enrolled as full-time students. The labor force participation rate (the proportion of the population with a job or looking for work) was 37.3 percent for full-time students and 72.7 percent for part-time students.
About 64.1 percent of recent high school graduates enrolled in college were attending 4-year institutions. Of these students, 31.4 percent participated in the labor force; in contrast, 54.7 percent of students enrolled in 2-year institutions were in the labor force.
Recent high school graduates not enrolled in college in the fall of 2007 were more likely to be in the labor force than enrolled graduates (76.6 percent versus 39.7 percent).
This information is from a supplement to the October 2007 Current Population Survey. Additional information is available from "College Enrollment and Work Activity of 2007 High School Graduates," (PDF) (HTML) news release USDL 08-0559.
Bureau of Labor Statistics, U.S. Department of Labor, The Editor's Desk, Recent high school graduates and labor force participation, October 2007 on the Internet at http://www.bls.gov/opub/ted/2008/apr/wk4/art02.htm (visited September 20, 2014).
This edition of Spotlight on Statistics examines labor productivity trends from 2000 through 2010 for selected industries and sectors within the nonfarm business sector of the U.S. economy. Read more »


text:
Obtain achievements
- Either click on the Play Now button above or look below and select the room that you wish to play in. The game will open in a new window.
Game rules in 60 seconds
- Two talons of cards per 54 cards each (52 2 jokers).
- The hierarchy of cards is not important.
- This game can be played by 2 to 6 players.
- Each player receives five cards. Having dealt them, one card (uncovered to all players) is put on the table. The remaining cards are put back into the covered talon.
- A player who starts the game must add a card of the same suit or value as the card uncovered.
- Players can offer cards of the same suit or value as the card offered by the previous player. If a player cannot or does not want to put any card on the previous one, he must take the first card from the covered talon. If this card is of the same suit or value as the previous one, he can put in on the table.
- If a player has more cards of the same color or suit, he can add them (all or only some of them) to the uncovered talon. The remaining cards may go in any order.
- If a player puts 2, 3, 4, J, K or A (or several cards of the same value) following events occurs: 2 - the next player must draw two cards from the covered talon, 3 - the next player must draw three cards from the covered talon, 4 - the next player loses his turn, J - the player putting Jack can require cards of a specified value (except 2, 3, 4, J, K and A), K - if it is K then a next player must draw five cards from the covered talon; if it is K then a previous player must draw five cards from the covered talon, A - the player putting Ace can require cards of a specified suit.
- Game deception is to disposal all of the cards.
更多信息: 游戏帮助


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~*F.A.Q*~Okay guyz! after 6 years at dA I decided to make a little FAQ to avoid answering over and over again at the same questions.Here will be listed the most common questions but if you'd like to know sth more – feel free to ask (:/sorreee for my grammar.1. What medium/software do you use? Traditional work :for linearts : mostly pencil (just regular, cheap mechanical pencil, 2B lead) or colored pencils (Faber Castell, exactly these ones http://www.stonemarketing.com/images//120136.jpg ). Sometimes fine-liners or just black ball-pen.for colors : mostly promarkers, sometimes colored pencils and watercolors (really rare). White gel pen is nice for little highlights and white spots. Digital wacom intuos tablet, size M and photoshop. Very often I make linearts by pencil/colored pencils, scan it and color digitally.brushes : I use standard PS brus
*deeeeeeply inhales* Jean...is so attractive in this picture...halp...*dies*
Featureeee :DHellooo my friends, hope everyone is fine Alone in the Dark by RoseCSLetting Go by MonaParvinSin City by rsiphotographyAmong the Ruins by KurtzanGuard by crilleb50The Witch of the Jack O'Lantern Returns WIP 2 by dhbraleyThe Young Witch by maiarcitaThe Butterfly Effect by NotvitruvianScrew the Light, Give me Darkness by pjenzLand of Fairytales by La--BohemeSpoiled Kitty by LavitaDistressThe final journey by megan7Alien Queen by FurorArtLast Supper of Gothic by DarkVisionsDreamsPaint Job by Patrick2011Familiar by WhiteMiceAndSherbetFeel The Wings by DiosaEMRGate Keeper by SuzieKatzEnchantress by TinaLouiseUkSIZZLING SEDUCTION by COLOREDINLOVEThe Summoning by IvanVladik
Five Night's At Foxy's Part 6PLEASE READ: This is still Five Night's of Derping at Freddy's, I just changed the name so it makes more sense! I'm finally back, it's been so long you guys! Anyways, enjoy!---------------------------------------------------------------------*I'm sitting in the office room, looking quite bored while watching the cameras*Me: Come on. Where are you, Bonnie...*click**click**Clicks again to see that the entire band is gone*Me: *the band....is GONE*Me: What!? It's not even three yet!! Guys, this isn't fair!!*is desperately checking the cameras. The curtain to Pirate Cove is still closed*Me: Okay, now I'm getting worried I really don't want to die tonight...*breathes slowly*Me: Alright, I need to handle th
WER SOLL MAN DENN SEIN? "Wer soll man den sein? Wer ist denn schon wer? Harald Schmidt all these wonderful pics can be found in my news:WHILE WE WATCH 2014 -14scheinbar.deviantart.com/journ…plea
COUNTING STARS all these wonderful pics can be found in my news:WHILE WE WATCH 2014 -14scheinbar.deviantart.com/journ…please leave a comment there, if you like it
September 2014 - UpdateHello friends! It's been about a month since I've given an update, so I will do that now. You ready for this? I'm gonna use the bullet point format. I've been featured seven times in the past couple weeks! That's seven wonderful moments in which you guys have shown interest in my work. As usual, I'm very grateful. Thank you for all the faves, comments, etc. Here were the two spotlighted pieces:The second deviation is song lyrics; therefore, feel free to check that out if you love music. Another one of my recent deviations can be found below. The Corner Club Press, an online literary magazine that offered me publication last spring, has finally released its latest issue! You can find my poem on page 15. https://docs.google.com/file/d/0B2BA
FRIENDS' FEATURE: PETER, JAMES AND RONLadies and Gentleman: the weekly Friends' Feature: Peter :iconaugenweide:, James :iconawjay: and Ron :iconbark::iconaugenweide: :iconbigheartplz::iconbigheartplz: we must not forget by augenweideinto the heaven 2 by augenweidewe must not forget by augenweide glasperlenspiel by augenweidewe must not forget by augenweideinto the heaven 2 by augenweide we must not forget by augenweideinto the heaven 2 by augenweide:iconbigheartplz::iconawjay:the face of ben by awjay WOODWALK by awjay the face of ben by awjayWOODWALK by awjay full steam ahead by awjay WOODWALK by awjaythe face of ben by awjay WOODWALK by awjay the face of ben by awjay:iconbigheartplz:
TELLING YOUR OWN STORY BLUNTED AFFECT by menervaTau Sun Shower by LindelCaine all these wonderful pics can be found in my news:WHILE WE WATCH 2014 -14scheinbar.deviantart.com/journ
quiz dump---sept. 25, 08ignore this-filler----nov. 24, 08SO HERE I PUT QUIZZES FOR NOW crossposted at livejournal most of the timestolen from vincon an' fgsfNames you go by:1. realname2. dark3. trees, complaintsParts of your Heritage:1. Chinese2. Chinese3. Canadian Born ChineseThree of Your Everyday Essentials:1. Nearly everyday: School (OR AT LEAST ~learning~)2. art3. itnernetThree Things You Are Wearing Right Now:1. jeans2. portapros :{3. socksThree of Your Favorite Songs Right Now:1. TOO MANY uh R.E.M. Stand 2. Modest Mouse The World at Large3. The Fray All at Once + even moreThree Things You Want in a Relationship:1. DISCUSSION2. uh3. umTwo Truths and a Lie (in any order):1. my breath stinks2. I should be doing hw3. This keyboard has no End keyThree PHYSICAL Things that Appeal to You in Girls/Guys:1. nice hair2. hi3. hiThree of Your Favorite Hobbies:1. internet2. videeo games3. ~art~and being with friends/p
Haven't held a
single giveaway yet
this year… so,
let's hold one now!
Here it
goes:PRIZES:- 6
winners in total
-◊ 1st place:
100 points (one
winner)◊ 2nd
place: 50 points
(two winners)◊
3rd place: 25 points
this journalAlthough
appreciated, it i...
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Hey everyone~!
:la:First of all,
thank you so much
for all the birthday
wishes! You've no
idea how it made me
happy!! :blush:Yep,
I turned 23
yesterday. I feel so
old already.
because it's my
birthday, I decided
to hold a giveaway
and an art
feature!For the
giveaway, I will
Art History WeekThe
19th century marks a
huge technology
development, with
printing techniques
improving enough to
make newspapers and
books a truly
mass-popular medium.
Along with that,
there appeared new
opportunities for
the illustrators. In
the second half of
the 19th century,
the popularity...
So i'm advertising
commissions for my
friend because she
need some
has sketch
commissions open for
quite a while and is
having a hard time
finding clients
lately. She offers
sketch commissions,
simple and fast :la:
(and cheap!)--Type:
bust pencil
hello dear
members,it's time
for a new give away
:la:Rules of the
Give away .to enter
in this give away
fav and comment on
the journal below
this is important
because you need to
get a number from
me(if you don't
comment you cannot
get a number and not
win)this give away
is only open for
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The swans of Lakeland attract thousands of admirers to Lake Morton each year. Many people snap pictures of the elegant, long-necked birds as souvenirs.
However, new surveillance cameras show shocking photos of people going way too far to check the birds out.
"Who knows what the individuals were thinking as they're harassing the swans," said Lakeland City spokesman, Kevin Cook.
One set of photos taken at night shows a guy grabbing a nesting swan by the neck, so his buddy can take pictures of the bird's eggs.
That infuriates snowbird and animal lover Ellis Gibson.
"People that abuse them, I think they should be abused right back," Gibson said.
The city installed cameras on the lake about a month ago. The two incidents happened in the first two weeks. When the city realized it had a problem, it put up signs telling people to back off and stop the harassment.
If they bother the swans and get caught, they could face up to $500 or 60 days in jail.
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I ordered and received the product listed. As another posted, it was much lighter in color than expected (absolutely not as shown). The assembly was not easy to assemble (though not impossible with a little determination). Just so that you know (in term of the asembly) some of the "pre-drilled " holes did not exist and I had to create them. In terms of the quality of the wood, it wasn't bad. At least it was real wood and not this fake/composite/pressed wood that most things are made of these days.
As a very frequent visitor and buyer on Overstock's site, I found this item to be the very first product that was a complete disappointment! There was a large crack in the front panel and the wood was split in the back. I did like the color, however, but was sorry the pantry itself was not made of quality wood. Because of the weight of this product, I chose not to return it...
Needed extra pantry room. The size, color and style of this cabinet is just right. The top of my refrigerator is now clean and clear. Assembly was a snap. Parts were numbered. Took about 2 hours including plenty of breaks. The hinge holes were a little off but easy to line up the doors perfectly once the cabinet was standing by putting a cardboard shim under the two doors to make sure they were the same height. Screwing in the twenty some screws for the back panel took the longest even though it took no skill (Hint: the silver screws are for the back panel and the black screws are for the hinges only. will save you double work). Overall, one of the easiest pieces I have ever assembled.
The actual color is much lighter than pictured, at first I thought it was unfinished. The wood is pretty soft, be careful when assembling not to screw hardware in too tightly. Have a power drill ready, you'll need it to attach the back piece since there are no pre-drilled holes there. My shipment must have come straight from the factory since the wood was so freshly cut the smell was almost overpowering. I washed inside and out with Murphy's Oil Soap, let it dry all day, then applied lemon oil. Much better.
I live in a small apartment, but I needed storage space for my herbal supplies. This cabinet fit the bill exactly. It's just the right size to fit my supplies. Also, the color is much better than what I had anticipated. It looked a little light on the picture, which I was willing to live with, but the actual color is closer to what you would expect from something labeled as "weathered sage." It's lighter than a hunter green but not light enough to be a pastel. It took me about 2 hours to put together by myself. It probably would have taken about 20 minutes less if I had had a power drill to attach the back panel. Overall, I'm quite pleased with my purchase. I find one of the key things to getting satisfaction from Overstock purchases is to make sure the dimensions of the piece fit what you need. The pictures can be deceiving. This piece is perfect for my room, but it could easily get swallowed up in a much larger room.
Holes for assembly were all off and had to re drill. No holes for one of the shelves. Doors do not fit properly. Misaligned. Door knobs were chipped. Does not stand level even after shelves were filled adding weight to cabinet. So sorry that I bought this. To heavy and costly to ship back Not even worth one star
I have ordered two of these cabinets (identical, in white), and I am happy with the finished product. As a student, I have put together numerous shelves and desks having similar quality and sets of instructions.While the finished product of these cabinets were ultimately worth the time and effort, I do have complaints about the user-friendliness of both the instructions and the quality of the manufacturing. The tools and mechanisms to put together the cabinet were not adequate to properly secure the cabinet. I had to go to the hardware store and purchase 12 L brackets and matching screws in order to properly secure the cabinet so that it would not sway from side-to-side.
Easy to assemble, and does not look cheap. I put it in the bathroom as I have no cabinets, and it is perfect there.
I bought this cabinet to use for extra toy storage for my daughter and it is perfect for that. I thought it would be a little bigger then it actually was but it serves it's purpose. It was very easy to put together and I think it's pretty decent quality for such an inexpensive piece of furniture.
It fits perfectly into a niche in my kitchen and provides much-needed additional space for all my baking products. The size was perfect, and the cabinet provides a surprising amount of space. I assembled it by myself, very little effort needed. I truly like it, and the style blends so well with other pieces.
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text: contentArthritis supplement use associated with lower marker of inflammation Tuesday, November 20, 2012. An article published online on November 8, 2012 in the American Journal of Epidemiology reports an association between supplementation with glucosamine, chondroitin or fish oil and a reduction in serum C-reactive protein (CRP), a marker of inflammation. These supplements are regularly used by people with arthritis, a disease characterized by inflammation and joint degeneration. Researchers at Seattle's Fred Hutchinson Cancer Center analyzed data from 9,947 men and women who participated in the 1999-2004 cycles of the National Health and Nutrition Examination Survey (NHANES). Subject interviews provided information concerning health behaviors and diet, including the type and frequency of dietary supplements used during the prior thirty days. Regular use of a supplement was defined as consumption during at least twenty days per month. Inflammation was assessed via blood sample analysis for serum high sensitivity C-reactive protein (hs-CRP). Higher CRP levels were observed in association with greater age and body mass index. Increased dietary fiber was associated with lower CRP. Participants who reported regular use of glucosamine had CRP levels that were 17 percent less on average in comparison with those who didn't use glucosamine. For chondroitin users, the reduction in CRP averaged 22 percent and for fish oil users, CRP levels averaged 16 percent lower. When supplement use was analyzed by gender, women were found to experience greater effects from glucosamine and chondroitin in comparison with men; however, men, but not women, experienced a reduction in CRP in association with the use of ginseng. The authors remark that fish oil contains omega-3 fatty acids that reduce inflammation via inhibition of nuclear factor kappa beta (NF-kB), as well as by inhibition of proinflammatory omega-6 polyunsaturated fatty acids by displacement of omega-6 stores in cell membranes. "To our knowledge, this is the largest study that has investigated the association between use of glucosamine and chondroitin supplements and a marker of inflammation in humans," they report. "Our finding of lower hs-CRP levels among users of glucosamine and chondroitin supports laboratory studies which suggest that glucosamine and chondroitin supplementation may reduce inflammation via inhibition of nuclear factor kappa B activation." "Given the number of diseases with which inflammation is associated, such as cancer and cardiovascular disease, there is a need to find safe and effective ways to reduce inflammation," they conclude. "Research suggests that these three supplements have excellent safety profiles, supporting their potential role in disease prevention. It is therefore important that the potential antiinflammatory role of these supplements be further investigated." Complementary medicine helps arthritis patients The November, 2012 issue of the Journal of Clinical Nursing published an article by researchers in Beirut, Lebanon that discusses the widespread use of complementary and alternative therapies among men and women with arthritis. Professor Nada Alaaeddine, who is the Head of the Regenerative and Inflammation Lab in the Faculty of Medicine at the University of St Joseph, and colleagues assessed the use of alternative and complementary therapies among 250 Lebanese adults aged 20 to 90 with rheumatoid or osteoarthritis. Questionnaires completed by the participants provided information on type of therapies used and disease status, including pain intensity, sleeping pattern and activity level, before and after treatment. Fifty-eight subjects reported the use of complementary or alternative arthritis therapies in addition to conventional medicine. Those who used complementary therapies tended to be younger than nonusers, and were likelier to have osteoarthritis than rheumatoid arthritis. Therapies reported included herbs, exercise, massage, acupuncture, meditation, yoga and dietary supplements. Among participants who reported using herbs, the majority found them to be helpful. Overall, complementary and alternative therapies reduced pain, increased sleep and improved the ability to engage in daily activities. Side effects, which were reported in a minority of subjects, were not considered serious and were reversible. "Our study underlines the importance of healthcare professionals being knowledgeable about the potential use of CAT when providing medical care to patients with arthritis" Dr Alaaeddine commented. "Complementary and alternative therapy use is increasing and this study shows that it provided self-reported benefits for patients with rheumatoid arthritis and osteoarthritis." Super Sale on Now! Get these breakthrough products to help you stay younger and healthier longer. Stock up on all the health essentials you need all year. And while you're at it, share the health with gifts for those you love. Black Cumin Seed Oil with Bio-Curcumin®, 60 softgelsItem #01710 $32.00$20.25* Black Cumin Seed Oil, 60 softgelsItem #01709 $16.00$9.45* Extraordinary Enzymes, 60 capsulesItem #01706 $26.00$16.20* Rich Rewards™ Lentil Vegetable Soup, 32 ounce bottleItem #01705 $13.00$8.27* Life Extension Mix™ Capsules,490 capsules Item #01754 $110.00$57.38* Bone Restore with Vitamin K2, 150 capsulesItem #01711 $26.00$15.53* *Price based on super sale member volume purchase.Bio-Curcumin® and BCM-95® are registered trademarks of Dolcas-Biotech, LLC. U.S. Patents Nos. 7,883,728, 7,736,679 and 7,879,373. http://www.lef.org/SuperSale/ Cardio Peak™ with Standardized Hawthorn and Arjuna, 120 vegetarian capsulesItem #01700 Extensive research demonstrates that the botanical extracts hawthorn and arjuna deliver optimum support for normal heart muscle function and coronary artery health. Used for centuries in Europe for heart health, the cardiotonic effects of hawthorn extract have been well documented in numerous clinical trials. Hawthorn contains specific bioflavonoid complexes targeted to help promote normal circulation and efficient heart muscle function. Studies indicate that the constituents in hawthorn powerfully support: Strong contractile force of human heart muscle. Protection for heart muscle cells from oxidant damage. Normal gene expression to promote cardiovascular health. Improved cardiovascular performance. Traditionally used for cardiovascular health, arjuna extract complements the effects of hawthorn in support of enhanced heart function. AppleWise Polyphenol Extract, 600 mg, 30 vegetarian capsulesItem #01625 Recent studies by three separate laboratories have concluded that polyphenols extracted from apples extend life span in laboratory models by up to 12%. Apples, and especially their skin, are rich in an array of polyphenols. One particular major bioactive polyphenol, phloridzin, found in the skin of many apple species, has been shown to act as a powerful agent against glycation and other destructive processes in the body. Phloridzin also regulates cell-to-cell signaling and supports healthy glucose levels in those already within normal range by inhibiting the glucose-6-phosphatase enzyme. Apple polyphenols can slow triglyceride absorption from the intestine by blocking pancreatic lipase, an enzyme specifically required to break down triglyceride fats. Along with phloridzin, apples contain chlorogenic acid which supports healthy glucose levels in those already within normal range by inhibiting the glucose-6-phosphatase enzyme, and by increasing some cellular mechanisms that are stimulated by insulin in liver cells. Life Extension Update What's Hot DHA improves stroke recovery DHA supplements reduce inflammation in men with high triglycerides Mechanism found for omega-3 fatty acids in reducing insulin resistance and inflammation Omega-3 fatty acid intake linked with lower CRP among Japanese Omega-3 fatty acids boost glucosamine's arthritis benefit C-reactive protein directly involved in inflammation Life Extension Magazine® Health Topics Broad-spectrum cardiac protection with fish oil Osteoarthritis The fires within: inflammation is the body's first defense against infection, but when it goes awry, it can lead to heart attacks, colon cancer, Alzheimer's and a host of other diseases. Chronic inflammation Natural Help for arthritis sufferers: nature offers a solution to the problem caused by arthritis wonder drugs Rheumatoid arthritis