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Even proponents of President Barack Obama's new retirement savings program readily concede it won't be a cure-all for a nation of people who are saving far too little for their golden years. Many Americans won't be able to participate initially, and those who do may find the benefits are modest.
Yet the Obama administration is hoping that the savings program — dubbed "myRA," for "my IRA" — will serve as a call to action, spurring Congress to take more sweeping steps to shore up retirement security as company pensions become a thing of the past. Given a presidential boost, like-minded lawmakers are already pushing new legislation to vastly expand the number of Americans who put away cash for retirement.
"This is a small first step," said Nancy LeaMond, AARP's executive vice president. "We think it is starting to generate a debate. Our hope is there can be action."
Aiming to help the roughly half of Americans with no retirement plan at work, Obama announced in his State of the Union speech Tuesday that the Treasury would create new "starter" savings accounts. The program is geared toward low- and middle-income Americans who lack the upfront investment that many commercial IRAs require. Starting with as little as $25, savers could invest a little each month in Treasury bonds and then convert the accounts into traditional IRAs once the savings grow.
The idea is actually contained in a broader retirement proposal that Obama has been asking Congress to take up for years in his annual budget request. Obama wants all workers to be automatically enrolled in IRAs unless they specifically opt out. Under one scenario, monthly paycheck deductions would be invested in bonds unless workers choose another option.
But Congress hasn't acted on the proposal. So Obama is carving out the part he can accomplish without Congress and hoping that by raising the issue, lawmakers will feel pressure to act and the remaining pieces will fall into place.
Call it a "me first, now your turn" strategy — not dissimilar from the approach Obama is taking on wages. The president is ordering a higher minimum wage for federal contractors in hopes that Congress will take the next step by raising the wage for all Americans.
"I could do more with Congress, but I'm not going to not do anything without Congress," Obama told workers at a Pennsylvania steel plant on Wednesday as he signed a presidential memo creating the myRA program.
Yet as with the minimum wage, the retirement program illustrates the severe limitations in what Obama can do to alter the economic reality for Americans when Congress refuses to go along.
Workers will only be able to open myRA accounts if their employers agree to participate in the program, at least initially. Although myRA has been in the works for years, the Obama administration said Wednesday it hasn't yet secured any commitments from businesses to offer it, and Treasury Secretary Jacob Lew offered no prediction for how many Americans might participate.
The White House said it was optimistic that since the program won't cost much to employers, businesses will be glad to take part. But because the program relies on paycheck deductions, businesses that don't use automatic payroll systems will be excluded unless and until the administration develops a new system for them to participate.
Leading providers of retirement accounts, including Fidelity and Vanguard, said Wednesday they were supportive of Obama's myRA program even though they were still studying the details. Still, there's scant evidence that Congress will take up the baton from Obama by making IRAs automatic.
Seeking to build on Obama's momentum, Sen. Tom Harkin, D-Iowa, who chairs the Senate's pension panel, plans to introduce a far-reaching bill Thursday that includes automatic IRAs. Previous attempts have stalled in both the House and Senate.
Rep. Richard Neal, D-Mass., who has been pushing automatic IRA bills for years, said he's already seen new interest in the wake of Obama's announcement.
"A couple of Republicans have already spoken to me this morning about it. They'd love to figure out how to embrace it," Neal said, declining to name the Republicans.
But after the calamitous rollout of Obama's health care law, skepticism is running high in Washington about big, new government programs — especially those that touch Americans' personal finances. And businesses are concerned about their own liability if employees who are enrolled involuntarily grow dissatisfied with how their investments perform.
"Similar to the concerns with health care, where you're trying to expand coverage, when you mandate options, you drive people to something that's not as good as what the private market is offering," said Aliya Wong, who heads retirement policy for the U.S. Chamber of Commerce.
Copyright © 2013 Capitol Hill Blue
Copyright © 2013 The Associated Press All Rights Reserved.
3 Responses to "Will Obama's proposed retirement savings play work?"
Who in their right mind would invest in treasury bonds of a country running a $16+ trillion deficit?
Why would anyone invest in a bond with a 2.24% average yield when real inflation (versus the government basket inflation numbers) is running at 9%?
And at $15,000 it has to be rolled into a traditional IRA, making this another Wall Street entitlement.
How again is this good for people and not another government money grab?
Prudent investors all over the world consider US T-bills and bonds to be the safest investment there is, so despite your own personal feelings about the future of the dollar, this is a perfectly sound plan. Of course, I prefer funding my Roth IRA fully each year myself in January, but I can afford that. And I "pay" Wall Street (actually Omaha!) almost nothing from my retirement accounts because I make very few trades (at $10 each) and own zero mutual funds. The dividends I collect in my Roth IRA are actually way more than my contribution each year, and those are tax-free now and forever.
Automatically deducting from paychecks for retirement has been done for decades, with the money going into Social Security. Since it is very tough for people to retire on only their SS checks, everybody has acknowledged you need more for quite a while. This additional program accomplishes the same thing as the so-called "privatization" of Social Security that the Republicans proposed a while back, but without touching Social Security.
Investors all over the world aren't buying US bonds or T-bills. If they were the Federal Reserve wouldn't need to inflate (create out of thin air) the currency to "buy" $80 billion worth of T-bills every month. Your statement hasn't been true since 2008.
Of course, the major difference being you no longer have a choice, just like Social Security. Social Security also started out as 1% of income. What's it up to now, 7% and still insolvent thanks to the government "borrowing" all the savings for their wars?
How long do you suppose it will be before the government "borrows" the IRA like account money?
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A longstanding Kearney tournament brings athletes together in the spirit of fun and friendly competition.
Area gyms were the hotspots this weekend as the Fall Blitz volleyball competition continued in Kearney. This tournament has been going on for more than 25 years, bringing 66 co-ed and women's teams from across the state to show off their skills on the court.
As the tournament keeps growing, it brings in revenue while helping out the community.
"It's good to always get together and play sports with friends, and if all the money is going to a good cause then it's worth it," said Fall Blitz participant Jawna Kuck.
"It's for a great cause. You know we're donating back to the United Way and back to our middle schools, and we're bringing in people into Kearney which is a great deal too, and a lot of people are having fun," said KPR Recreation Superintendent Jade Meads. "I've gotten a lot of 'This is a great tournament we're having a lot of fun', there's a lot of different people from around the area, and we come together and play volleyball, you know it's a lot of fun!"
Proceeds from the Fall Blitz will go to the Kearney Area United Way, and will also benefit the volleyball programs at Horizon and Sunrise Middle Schools.
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The Goodwill Industries of South Florida that Dennis Pastrana took over in 1979 literally stunk.
"Our image in the community was one of trash," he once said to the Miami Herald. "Our stores were smelly, and our collection boxes stank."
Pastrana, a Cuban-born father of two, spent the next 35 years turning around South Florida's small, bankrupt Goodwill into one of the national nonprofit's most-successful organizations. Now he said he's ready to pass on the torch.
Pastrana, 74, announced his retirement Monday after 49 years with Goodwill Industries, a career that included stints in Milwaukee and Washington, D.C.
Pastrana's replacement as president and CEO: David Landsberg, a Miami native who spent 30 years in finance and management at the Miami Herald Media Co., the past seven as its president and publisher.
"After 341/2 years here, it really is time for me to retire," Pastrana said. "Today feels like I'm handing over my 341/2-year-old daughter to someone. And with David taking over the CEO position, I know that person is someone really special, someone who will continue our mission and carry on my legacy. Today is a very special day for me."
Landsberg, 51, said he was attracted to the challenge of building Goodwill's five entrepreneurial divisions — donated goods, service contracts, healthcare laundry, commercial services, and military apparel and flag manufacturing — while maintaining its commitment to helping people with special needs lead productive, meaningful lives.
"Goodwill is a model of social entrepreneurialism and one of the most unique and cost-effective charities in America," Landsberg said.
Finding a replacement for Pastrana was a tall order, said Joseph Lacher, board chairman of Goodwill Industries of South Florida. The search began in 2012, when Pastrana told the board that he was considering retirement.
Lacher and other search-committee members interviewed candidates from as far as California before deciding their best option was right in front of them. Landsberg has served on Goodwill's board for the past 18 years.
"We wanted to find someone with outstanding leadership skills, an entrepreneurial background and financial expertise," Lacher said. "No one in the country fits that bill better than David."
Landsberg said his time on the board allowed him to watch and learn from Pastrana's leadership.
"The modern Goodwill, and this Goodwill in particular, is really built in the image of Dennis Pastrana," Landsberg said Monday after announcing his resignation to Herald employees. "He is largely responsible for the model of creating businesses that are perfect places for people with disabilities to work and gain back some independence. He deserves incredible credit for that."
Goodwill of South Florida now employs 2,500 people with special needs, provides programs and services to another 5,000 people a year, and operates with annual revenues nearing $100 million.
Founded in 1959, Goodwill Industries of South Florida provides rehabilitation, on-the-job training, work experience, job placement and other services for people with special needs and disabilities.
Last year, people with disabilities employed by Goodwill Industries of South Florida or in Goodwill-placed jobs earned a combined $33.1 million. Since Pastrana took over in 1979, more than 48,000 people have completed local Goodwill programs, and people with disabilities that it employed or placed in jobs earned $493 million.
But the Goodwill ship didn't always sail so smoothly.
The Goodwill of South Florida that Pastrana inherited in 1979 was in the worst shape of any Goodwill in the country, bleeding about $300,000 a year. It had laid off 53 of its severely disabled workers just before Christmas 1978. Its donation centers were filthy, and its administration was in disarray. It found jobs for fewer than 80 special-needs people a year.
Pastrana, who earned an accounting degree in Cuba and an MBA from Marquette University, blamed his ego on his reason for accepting the Miami assignment, saying he took the Goodwill job "to see if I could save this disaster."
Before that, Pastrana lent his magic touch to Milwaukee, working his way up the ranks of that city's Goodwill to become its executive director. Goodwill of America then called him up to the national headquarters in Washington, where he traveled across the country, teaching local Goodwill leaders about managing money.
In Miami, Pastrana cleaned house by replacing key staff, generating new service contracts, developing training programs and renovating rundown thrift shops. He turned the agency's books from red to black and found job placements for hundreds of people a year.
Pastrana has helped Goodwill operate 11 businesses, including a new industrial laundry near Liberty City that employs 200 people. Another major part of its operation: making military apparel and U.S. flags for the government. Goodwill and other organizations that employ people with disabilities came under scrutiny last year for paying some workers less than minimum wage, a gap that's allowed as part of a federal program.
Over the years, Pastrana's other enterprising ideas have included re-labeling donated designer jeans and selling them for $3.25 (that venture earned Goodwill $80,000) and manufacturing swimsuits (that operation went belly-up after the suits' elastic was found to deteriorate in saltwater).
Even during difficult financial times, Pastrana has taken a firm stance against layoffs, calling Goodwill "a business with a social mission." But he had no other option after Hurricane Andrew, which pushed Goodwill to the brink of collapse. The agency laid off 317 employees — half its work force at the time — including many disabled workers who lived in storm-ravaged South Miami-Dade.
The 1992 hurricane wiped out $3.2 million in custodial contracts Goodwill had at Homestead Air Force Base, forced the closure of three Miami-Dade Goodwill stores and resulted in a $1.5 million revenue loss. Pastrana said he lost sleep over the decision to make staffing cuts, adding that it was the only way to keep his Goodwill out of Chapter 11 bankruptcy protection.
"Goodwill of South Florida simply would not be here today if not for Dennis," said Thomas Erban, a retired Bacardi executive and current Goodwill board member. "He has this incredibly beautiful combination of business acumen and a deep empathy for those he serves. You can walk in to one of our centers with him, and he knows the name of every person there, and they know him. He is truly a very special person."
Along the way, Pastrana has picked up top honors from Goodwill's national office and a plethora of state and local awards, including a 1987 Miami Herald Spirit of Excellence award. "Miami Goodwill went from being the biggest loser in 1979 among all Goodwills in the United States to become the biggest winner," award judges wrote.
Pastrana's total 2012 compensation, the latest year for which records are available, was $612,656, including benefits, incentives and retirement. He said he plans to "relax a little bit" in this next chapter of his life, but will stay busy by consulting for Goodwill and other nonprofits.
"I want to be engaged. I don't want to be completely out of the loop," Pastrana said. "I'm sure at some moments, it will be hard for me not to be in charge anymore. But knowing that I'm handing things over to someone as qualified and talented as David sure makes it easier to step away."


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- jenese james belzer
- Nelson
- New Zealand
This conversation is closed.
Could the problems that face the world today be traced to todays Religions - my answer is YES undoubtedly
Research now shows that beyond a doubt once God was a woman - that the ME and beyond was once a peaceful place where women and men lived in a divine relationship with each other and the natural world
Today so much of who we are as human beings has been lost - today we live in a world that is NOT heaven on earth despite thousands of years of religious rhetoric and dogma proclaiming love and peace
what is uncovered in our ancient past is that once upon a time a divine partnerships of woman and men = masculine/feminine were in a divine balance with all life - and then something changed to alter that and we have now ended up with a world on the brink of disaster because of it
neither men nor women fully comprehend who they are because the biggest lie ever perpetrated on humanity has been to tell them they are sinful and that women are cursed to suffer and bleed in pain - and that all who are born through the body of woman is sinful - an old belief yes ...but one very much alive - albeit hidden in the treatment of women and men today
i have no intention here of creating further division between the dysfunction that exists between the culturally entrained male and female - rather i seek to bring balance and divine complementary partnership BACK into the discourse
i seek conversation on this as i am proposing an audio visual presentation in 3 parts - the first will be - when god was a woman ....to expand our limiting view of ourselves ....
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Roy Bourque 30+Apr 13 2012: Jenese,
You make a claim that we are on the brink of disaster because of religion. Have you ever looked into what religion has done to help societies? My mother lives in a small town in Maine. It was the bishop that persuaded the railroad to extend its rail to pass through the town. That move has brought untold blessings to the town. There is much more to religion than dogma. Like anything, there is good and bad to contend with. That is the basis of the teaching on Satan; beware of the bad. It exists in all walks of life, religious or not.
When I was growing up, pollution was a major threat to society. We were on the brink of disaster then. Streams and rivers were dying. But societies tacked the problems and got through them. The Merrimack River in New Hampshire was a cesspool. Today it is pristine because of sewage treatment plants and laws governing the disposal of toxic industrial waste. Are the problems today any more threatening than they were then? Prior to finding solutions, all problems can be life threatening. But some cry wolf and some seek alternatives to combat the problems as they arise.
There are religious claims that impede our finding solutions, I will grant you that. But many early scientists came from the religious sector. They were willing to look beyond what religion was teaching them. They found the very spirit within that sacred scripture reveals. The teachings are still there, but are held back by institutionalized religion. I have decided to go beyond the teachings and embrace them with science. I have found a good blend that many others are also finding.
As far as bringing male and female back into divine complimentary partnership, I support your intention. Women are the flowers of life and shouldn't be mistreated and abused. They should be respected and loved as equals. In contrast to sacred scripture, some have proved to be better leaders and shouldn't be shunned in that capacity when so deserved.
Apr 17 2012: Hi Roy
Within the religious concept this humanity lives within then of course there will be many things it does that are beneficial within a given community - religion - whose ever it is - has been the frame work that humans live their lives in - our laws came from religion - it is more expanded now in this 21st century of course and there are more freedoms
however what i know about the goddess times - the times of women and men of partnership stands in such a contrast to what women and men think they are today as to be ....so limiting ....thus when beings are limited so is their ability to live in a limitless way - every thing will be filtered through their system of beliefs ....
the whole concept of the devil and satan is the point - it never existed until much later in humanities evolution - thus fear is created where none need exist
something essential has been lost by the way the feminine and masculine has been defined by the patriarchal churches
the contrast of the early times when women and men were in a sacred and complementary partnership is so vastly different to what has been given us today that its easy to see why the world is the way it is
and yes this world is on the brink of a huge disaster because of it - it lives like a leech unsustainably robbing future generations of a sustainable future while feeding the self gratification of a humanity who know longer remembers its sacred connection to the earth and earth other
sadly environmental conservation has resulted from environmental abuse - now it is a normal way of life to protect the environment from unscrupulous corporate degradation and no care for communities - sadly many helping organizations have had to rise up and become normalized from this cultures abuses that it continues to think this is the way life is ...when once upon there was peace and women and men lived in harmony with nature and each other and all life
until religion came along and created separation and divison
Apr 17 2012: Jenese,
I agree with you on the subject of the devil and Satan. These are terms that have evolved by the Catholic church during its early years. The word devil doesn't appear anywhere in the old testament. It appears in the new testament as one who has a devil, meaning one who has an evil spirit (I believe this to mean a distortion in the mental field that causes one to act in an evil manner).
The word Satan represents adversary, also referred to as the father of lies. We know that the mental field is where all our thoughts are managed. Distortions in the mental field (such as with misconceptions) will distort how we think about things. As such, the character represents something that we can relate; misconceptions that which will cause us to think irrationally. Beliefs which are false are all part of what the church calls Satan. Unfortunately, they can't see Satan in what they teach because they believe it is all true, even though much of it is unverified.
Restoring a sacred connection to the earth and each other is part of what science is trying to do today. I believe it will succeed so long as it doesn't forget to teach responsibility. The ten commandments were founded on moral law and order. Many don't know what they are, and many don't want to follow them because they infringe on our freedom to do as we please. Many people want to see a better world, but they don't want to make the personal sacrifices which are necessary for a better world to exist. This is a dilemma. You can't have it both ways, and yet many want it both ways.
What you are hoping for requires knowledge (whether through science or other forms of learning) and moral responsibility towards a greater good. Many current religious beliefs are counter-productive to this because they teach ideas that are not founded on truth. I have traced some to their roots and it is a twisted road that they have travelled. Hopefully, we can bring it all to light.
Apr 24 2012: HI Roy
i totally agree with you about the notions of devil and satan - however i would go further by seeing that both the devil and satan by the definitions of both are the very religious orders this world continues to worship - and that these religious orders at the highest level know that they are fooling and maintaining a fiction on the world
i also agree with your understanding of evil
i don't know how science can restore a sacred connection to the earth in todays humanity except by showing there is one - i feel that connection comes from within and is sacred and beyond the level of god that exists in religion and its this i feel that sits in the heart of the feminine that give life to all humanity and because she does the church created an all male deity that denied the feminine in all her aspects except along his narrow and limiting beliefs and because this has allowed to become the 'norm' - it has created a huge imbalance a huge dysfunction in the world we live in that remains always a blind spot ....
there are two of us here - woman and man and yet only one is represented in the religious discourse - no mother - where there was one in ancient times no sister when there was one in ancient times - and no sister hood when there were many in ancient times -
knowledge is important but it depends about what knowledge - todays world has created such a division between what a woman is an what a man is that i believe very few of us will ever reach our full potential before death comes ....
the 10 commandments were based on way older cultures long before christianity or religious order took over and yes i agree with you many do not know what they are and the churches conveniently forget them when the waged either wars on others
it is knowledge of a way of being in the world as woman that is so contrasted today to those sacred ancient times as to make this humanity look like they are still in kindergarten
i am hoping to bring it to light with this convo
Apr 27 2012: "The word devil doesn't appear anywhere in the old testament."
Your playing with words Roy.
1 Chronicles 21:1 (KJV)
And Satan stood up against Israel, and provoked David to number Israel.
Job 1:6 (KJV)
Now there was a day when the sons of God came to present themselves before the Lord , and Satan came also among them.
Zechariah 3:1 (KJV)
And he shewed me Joshua the high priest standing before the angel of the Lord , and Satan standing at his right hand to resist him.
Etc. etc. 15 for Satan alone.
Apr 25 2012: Jenese,
I'm not sure what it is that you are trying to accomplish, or should I say, how you intend to go about it. Are women not succeeding because society is putting them down or are women not succeeding because they are falling victim to the stereotype that women are inferior? There are quite a few women Senators, and several women who have been very influential; Margaret Thatcher and Queen Elizabeth are two examples. So women can rise above the stereotype if they put their minds to it.
In some places in the world, women are being suppressed. We live in a country that allows women to succeed. I think it's just a matter of finding what works and keep the ball rolling.
As far as what God is, there is a big difference between what God is and what we think God is. The image of God as male or female is part of the process of personification. God has no sexual gender. God is the power that drives evolution. We give God a sexual gender based on our own image of ourselves. We need to be cautious that we don't try to put traits on God that don't belong there.
Do religions know that they are fooling the public? I seriously believe that they themselves believe what they are teaching. How could they have such passion if they didn't? How we get them to see the truth is a problem that only gets resolved by revealing more and more of it. It took quite a number of years for the world to see that the earth was not at the center of the universe. And yet, there are trained theologians who still believe that the earth is only 6000 years old. Those who don't understand the evidence of science are persuaded in their delusions. It's a problem that won't go away overnight.
I wish you well. People should be considered as equal. It is human nature (stemming from the animal within) to compete for the position of top male. It is the spiritual person that knows we must rise above this conviction.
Apr 26 2012: part II .....only so many characters allowed
what women found when they started the research back into time - past the religious story was a herstory of incredible information that this current age continues to ridicule at best and dismiss as irrelevant and lies at worst -
here in New Zealand we also had a female PM the amount of hate coming from men towards here was staggering - however the system these women step into is male - is patriarchy by its very nature - she has little choice but to conform to it as most women do from birth
in truth your correct the energy peoplised as god is genderless however - here on earth it has been termed male personified as a he him his a holy father that rues over every one with one son - there is no feminine representative to express women's unique take on the world only one male defined world view that we are all supposed to conform to and it doesn't fit women when they start to question the deeper feelings they have that something vital is missing ...
there are two of us here male and female but only one is represented the other is forced to conform to the others definitions of it - both become lessor for it and there is NO balance
my point is roy that there is a vast history here a herstory that lies so buried as to be erroneously categorized as myth that would help the human race understanding itself in way more expansive terms than the narrow defined male world view and order has given us
what is needed now is a return to this knowing ...
politically things like family, childcare, basic community care education etc all these things are on the bottom of the political agenda because its not the male domain and when women get into power they bring these to the table only to be trivialized
the world is blind in one eye because of it
equality comes from being alive regardless of gender ones existence is equal
i hear what your saying roy and thank you for the conversation
Apr 27 2012: Peter,
Yes I am playing with words. But then, isn't that what religion has done all along? My father believed in purgatory and it nearly destroyed him. I was taught that Satan rules this world, but no clarification was given as to what that means. I was taught that we are under a curse even though the curse was lifted after the flood. For nearly four centuries, the Catholic church tortured and executed witches in the name of Jesus Christ. If that isn't a play on words, I don't know what is. Roy
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January 12, 2000
PRESENT: J Gross, Chairman; Kathryn Ivey, Secretary; Debi Desrosiers, Treasurer;
Wendy Denneen, Assistant Treasurer; Murray Levin, Member; Patricia Skinner,
Member, Kathleen Hutchins, Library Director.
EXCUSED: Douglas McDonald, Vice-Chairman.
J Gross called the meeting to order at 7:05 PM.
MINUTES: Upon motion by Murray Levin, second by Debi Desrosiers, the Board
voted to approve the minutes of the December 14, 1999 meeting as written.
TREASURE'S REPORT : Debi Desrosiers reported that with 100% of the year
passed 93.6% of the budget had been expended. The Treasurer's Report was placed on file.
DIRECTOR'S REPORT: Kathleen Hutchins reported that 5,841 items were in
circulation during December. There are 7,405 patrons currently registered.
Kathleen reported that volunteers logged 78.25 hours during December, bringing
the year-to-date total to 1000.25 volunteer hours.
Kathleen reported that she continues to address the water problem with the appropriate
personnel and/or agencies.
Kathleen reported that the library will serve as host to the Merri-Hill-Rock Cooperative
February 14, 2000 meeting. Sue Palmatier, of the New Hampshire Library Trustees Association, will facilitate the discussion of Trustees and Librarians working together.
The Director's Report was placed on file.
Kathleen presented the 1999 Annual Nesmith Library Report for final editing.
The terms of three Trustees will expire in March 2000. Openings for two three-year terms and one one-year term will need to be filled.
J Gross reported that technical issues continue to be resolved.
OLD-BUSINESS: Debi Desrosiers reported that delivery of the stone for the sign at
the driveway entrance is being arranged.
Debi Desrosiers reported that installers continue to be sought for the copper weathervane.
J Gross reported that he is pursuing appropriate- lighting for the driveway entrance.
Kathy Ivey reported that the Personnel Committee continues to develop the many parts
of the Personnel Policy.
Upon motion by Pat Skinner, second by Kathy Ivey, the Board voted to approve the Library closing schedule for 2000. Five members: yes; one member: opposed. The Library will be closed on
Memorial Day (May 29 2000);
Independence Day (July 4,2000);
Labor Day (September 4, 2000);
Columbus Day (October 9, 2000);
Veteran's Day (November 11, 2000);
Thanksgiving eve (November 22, 2000) at 5PM;
Thanksgiving Day (November 23, 2000);
Thanksgiving Friday (November 24, 2000);
Christmas Saturday (December 23, 2000);
Christmas Day (December 25, 2000); and
New Year's Day (January 1, 2001 ).
Upon motion by Pat Skinner, second by Murray Levin, the Board voted to accept as amended the second readings of the Policy on the Role of the Nesmith Library as a Community Activities and Information Center and the Policy on Acceptance of Gifts.
NEW BUSINESS: Upon motion by Pat Skinner, second by Wendy Denneen: the Board voted to approve the Sunday use of the library for the Eagle Court of Honor for Mark Robinton.
Upon motion by Wendy Denneen, second by Kathy Ivey, the Board voted that the Art Committee should work with FLOW to modify the requirements for a display piece to be used for the FLOW on-going book sale.
The next Trustees meeting will be held at the library on Tuesday, February 8, 2000 at 7PM.
The meeting adjourned at 9:25 pm.
Respectfully submitted,
Jena Day, Recording Secretary


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Six Tips for a Fabulous Fall Table
Where to splurge, where to save, when pulling together a table for two or feast for a dozen? Here are six tricks of my trade to help you set a perfect, and lushly layered, table.
1) Shop Outside the Box
Don't limit your shopping to the tabletop departments in home stores. The tablecloth here is a burlap moving blanket, and the "runner" is a street-vendor pashmina, laying the groundwork for $10, total. Craft and fabric stores also have colored burlap by the yard, or check out remnant bins for an interesting textured swatch, to use as a main covering or an accent.
I craft a table like I build a room: the biggest pieces first, and generally from the bottom up. So these two pieces, short on expense but high on inspiration, set the stage… er, table. With these two pieces and dinnerware in place, I had my first textural and color cues.
2) High and Humble, Naturally
Again like designing a room, the mix is much more interesting when you use high and humble elements. The gold-rimmed wine glasses and formal flatware seem even more elegant against that burlap backdrop.
To me, fall is all about texture and natural elements, so it seemed natural to pick pieces made of natural materials. Plus, when working with a natural palette, it's really hard to go wrong, and you end up with a confident and sophisticated look that's still relatable, perfect for meals this time of year that are also usually a combination of happily hearty and all dressed up.
3) Color Outside the Lines
Fall decorating doesn't have to mean pumpkins and pilgrims. There's a lot of other inspiration, especially color-wise, this bounteous time of year, whether it comes from outdoors, your favorite store, or your own decor.
Don't forget what food brings to the table — autumn cuisine is rich with color. For any hardworking cook, it's only fitting and fair to let the food be the real star of any table. Even the poured wine plays a role, mixing the colors of the red roses and the raisin runner.
4) Layer and Mix
You dress in layers for fall, so why not set your table the same way? Layering gives a great texture to your table and a real wow factor when those dining room doors are thrown open. Here, the layering was contained mostly to the individual place settings, keeping much of the rest of the table free. Who says you can't use a placemat (here, oval and woven) and chargers? I've even layered napkins... a great way to look indulgent, without a lot of outlay. Plus, it's practical for multi-course meals: whisk the first napkin away with the soup bowls, and everyone has a clean, fresh start for the main course.
As you layer, make sure to consider what you're already working with, and draw from similarities to what you've already got going on. The flatware pattern was chosen for its plate-echoing raised-bead detail, making the beaded-edge napkins also a perfect choice. Playing up the bird theme started by the salt and pepper shakers, I added the woven decorative quail, nest-y chargers, and even that woven centerpiece basket. The pheasant feathers tucked in with the napkins share a banded effect with the woven placemats, the tiny pussy willow relate in color and beaded pattern to the dishes.
5) See Past the Season
As tempting as retailers make it to snap up holiday- and seasonally-themed plates and platters, I prefer to select pieces that have life past the season. Bird-nest inspired chargers would be perfect for an Easter table, and the heftier woven wicker chargers could find their place at any summer picnic. The dinnerware itself, while Thanksgiving-perfect, is a truly neutral starting point.
6) Splurge on a Centerpiece
Sure, you can run out to the deli or flower market and grab a bouquet, but I think special occasions deserve special flowers. And if you save elsewhere, like I did with the tablecloth and runner, you can splurge on a made-to-order centerpiece (or if you're florally-inclined, you can whip up something yourself).
But here's a way to keep costs down, even on your big floral splurge: take your own container to the florist, and have them make the arrangement in your bowl, basket or vase. It also helps to assure your completed arrangement will be the right scale for your table if you start with a container you already own.
Even though you're using a professional, don't be afraid to "art direct" the arrangement, giving the florist ideas about how elegant, formal or casual you want the final arrangement to be, and what colors you're planning on. Also, talk more color than favorite flower — let them use what's seasonally available, in your preferred palette, and you'll save again. It's also important to convey where you plan on placing it (at the center of the table, or as a focal point of a buffet, for example) to help determine the final height. You can even bring samples of your napkins or other elements you plan to incorporate. You'll end up with a table that looks coordinated to your focal point, and not like you plunked down the flowers your great aunt sent in from out of town.
Even though there is a great centerpiece bowl that's part of this particular line of dinnerware, here's a case where it's more stylish to mix, not match. The piece I gave the florist was a woven ceramic serving basket lined with moss, tying in to the chargers and playing up the overall avian theme with its bird's nest-evocative shape and design. After this arrangement arrived, I tucked in feathers and mini faux pussy willow, to tie in the individual place settings. Don't be afraid to add your own touch to the delivered arrangement, like adding fresh garnish or your own spices to a store-bought side dish.
The non-traditional palette of the flowers came from the table itself — deep romantic reds, raisin. That dash of true purple keeps things fresh and a tiny bit modern. It's also a great way to incorporate a color from your interior onto your table.
(Images: Linda Greene/Lenox)
10 Comments
Lovely table and great tips. Wish I could have seen the entire table along with the details.
I'm not good at dressing a table, but you gave me ideas. I think I'm going to go the thrift store to see what I can find.
7) Take all that crap off the table so people can eat dinner and talk to eachother without getting poked in the eye with your centerpiece or knocking over a candle and setting a birds nest charger on fire.
This also serves purpose of creating room for actual food.
I love these ideas! If you wanna really do things on the cheap though, check out a party I attended last Saturday. http://ruffledblog.com/thanksgiving-dinner/ It was super cute and the decor only set them back $75 for all 30 guests!!!
Also, don't be afraid to let your decor evolve--especially if you don't have the luxury of Manhattan as a resource. Pick up (or make) the table cloth this year (after-holiday sales starting, what, Friday?) Next year, get the napkin rings. And so on, and so forth.
The centerpiece is low. The candles are low. The "crap" is dishes and placemats. Why you gotta hate? Can't you just either adapt an idea or just ignore it?
A pet peeve of mine is tall candles, which always interfere with eyelines. And I'm afraid of low candles on a table in case somebody sets their sleeve on fire while passing the potatoes. Any clever suggestions for alternatives?
Also I think a good tip for decorating any table is to put out the empty serving dishes when you're laying the table. That way you know you'll have left room for them, and in fact can incorporate them into your design.
Get flickering LED lights. You can get pillar candle sizes, or you can do what I did: bought some "LED tealights candles" in a set of 12 from Michaels for supercheap (they were stuck up by the cash register) and stick them inside candle holders (any size or kind as long as it's not clear glass, even colored glass is ok mine look great in my dark blue glass candleholders) and even inside any old candles you have that have burned the center lower than the sides. No one will see the fake out or catch fire.
Love the combination of different textures, finishes (matte and shiny) and colors in the photo above. I like all the ideas offered. I've definitely been eyeing scarves for some time as potential table runners ... also sari or kimono fabrics ...
That's a beautiful setting, really lovely, but I tend to agree a bit with the sentiment that for many of us, there isn't room on the table for the serving dishes AND a centerpiece. Then again, I'm a very informal hostess, and anyone dining with me knows that. I would rather be complimented on the food than the setting, and with a 42 inch table (with one leaf, when needed) it's one thing or the other!
In Manhattan, it is not uncommon for a meal to be plated in the kitchen, without serving pieces on the table. Not everyone has big tables or room to store serving pieces.
Also, since we were shooting this, we compressed the placesettings into the frame of the shot intentionally. But if this were a romantic dinner for two (as intended), if you sat two people at adjacent sides of the table, that leaves half the table bare for serving pieces, if that;s how you roll.
And, I don't really cook, so this is all I bring to the table, pun intended.


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This really is the best web site to find window coverings. We have purchased 5 different window treatments and all of them were top in quality, construction and color. They arrived within a reasonable amount of time and met our expectations (again). Overstock also has excellent customer service. This is always my first stop shopping destination.
A little bit bummed that these aren't complete black out drapes, especially with the price at over a hundred PER panel. Bought these for my toddler's room to replace old black out drapes and was disappointed that the sun still shines through slightly (can see the outline of the window from the front of the drapes) and I still need to put blinds or a black out roller shade behind the blinds so the room is black out for my daughter. Aside from that, they are pretty and heavy and feel like good quality. They do need to be steamed and there are grommet marks left from how they were packed during shipping. Keep in mind the cost is per panel.
These are good quality curtains with a beautiful look and nice heavy feel to the fabric. They hang well and the color is great. However, they are not 100% blackout, more of a room-darkening fabric. I have them on an east-facing window and the morning sun still lights up the room pretty well even through the liner. For me it's an issue, as someone super-sensitive to light when trying to sleep. Also, this is my own fault but I didn't realize that curtains with a grommet style for hanging will allow tons of light to come in above the curtains wherever they pocket out from the wall, even when hung right up near the ceiling. I ended up putting another cheaper set of blackout curtains under them to really cut the light. So if you are looking for total 100% blackout these are not the curtains for you. But otherwise they are beautiful, they look good open or closed and have a nice quality to the fabric. If you just want a somewhat darker room they are great.
These velvet curtains feel soft and rich--very UNlike the ones I got previously from XXXX XXX. I'm not crazy about the beige blackout liner, but that's a small quibble. The only other issue is that there's a mark left on the panels from the grommets--obviously the grommets weighed heavily on the velvet while they were folded in the package. A piece of tissue kept the grommets from touching the fabric directly in the package, but they still made an impression on it. Maybe this will disappear in time, or perhaps by some miracle I'll find time to iron the curtains and the marks will disappear. Anyway, overall these are great curtains and I highly recommend them for the price!
I saw these on Overstock and knew I would like them even though they were more money than I wanted to spend. Trust me when I say they are worth the money. The color is a very soft gray and the texture feels very expensive. i was specifically looking for blackout curtains because I work until midnight and was losing sleep from the sunlight coming through my blinds early in the morning. These curtains have changed my life. I sleep in every morning now until the alarm goes off. I would recommend these to anyone and everyone!
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It's now apparently official. Steele will seek a second term.
This after FoxNews reported yesterday that he would not. (The headline has changed. Initially it said Steele wouldn't run.)
This announcement comes after more embarrassing revelations about Steele's financial irresponsibility. (This revelation borders on graft.) Steele is a buffoon. He has no shame.
The FrumForum article includes reactions from three of Steele's announced opponents – Cino, Wagner and Anuzis.
Gentry Collins, who wrote the scathing resignation letter to Steele, has announced.
Neocon lackey Norm Coleman might run.
I don't know much about any of these guys except Anuzis and Coleman. Both are unacceptable. We at least know that Collins has balls. Any info on these other candidates would be appreciated.
4 thoughts on "Michael Steele Will Seek Another Term at RNC"
Brock Townsend
Screw them all. I nominate Dr. Robinson
Dr Robinson, Dixie's Homeschooler, Parries The Witch, Maddow
Anuzis is a good guy.
When Democrats in Michigan pressed him to condemn Michigan State University YAF for bringing in Tancredo, Simcox, and other right-wing speakers to campus, he instead praised them.
The SPLC went after MSU-YAF and is now going hard after Anuzis. Despite this he has refused to apologize or grovel at their feet. This means he more courage than 99% of Republicans out there.
Kyle K
Anuzi is a decent candidate. He took a brave stand and wanted wack job Ron Paul banned from the debates as he should have been! But he wasn't forceful enough in calling for Ron Paul to be arrested for sedition and treason against America as I and other real conservatives have for the last 10 years!
Another problem with Anuzi is if you rearrange the letters of his name it spells nazi and that's just downright creepy!
I support either Michael Steele or David Frum for Republican Chairman! If we don't legalize the illegals and increase outreach to minorities and pro-choice and gay voters with our pro-war, tax cuts for the rich to grow the economy platform then the republican party is dead!


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IRVING, Texas – Here's a look at the cornerbacks in 2013:
It seemed odd when the front office made the determination to go the direction that they did from the 3-4 defensive scheme to the 4-3, with the style of cornerbacks that they had on the roster at the time. For two seasons, we had seen these corners play a great deal of man coverage and struggle when they played zone. One of the main reasons that you made the financial commitment to
When Monte Kiffin was hired, I broke down how the scheme would not only effect the defensive line and linebackers but the adjustment that these corners would have to make. When you went back and took a look at Kiffin's history, it required a different style of corner to play in this scheme. There were more opportunities to play in zone but it also required a cornerback that was physical on the edge, which Carr and Claiborne struggled with even under Rob Ryan. Scandrick again was able to adapt better because he had the physical traits to do this despite his lack of size. He was more willing to play with that aggressive style.
When I wrote of this adjustment period on DallasCowboys.com, I didn't feel like it was going to take the majority of the season to sort things out and make the adjustments scheme wise but other than Scandrick and
What was disappointing in watching that game was that Carr physically was the best man to handle Calvin Johnson and if he had just held him to half of those catches and yards, there was an outstanding chance of the Cowboys winning that day. Carr was never throughout the season to build on any type of momentum and it effected his overall play. His last two plays in the final Redskins game, might have been the best that he played all season which just showed me what he is capable of when he is on.
If there was a cornerback that embraced this scheme and system from the opening days of minicamps and OTAs, it was Orlando Scandrick. I have over the years been very critical in the way that Scandrick has played at times but this season was different for him. You can say what you want about Scandrick but there has been two times in his career where he has beat out the projected starter at his position. He did it with Mike Jenkins and now Morris Claiborne. This defense was under attack the entire season but I could not imagine what it would have been like, if Scandrick had not played to the level that he did. My views of him were that he was outstanding in the slot and dealing with the opponents best but in normal down-and-distance situations, he was the one cornerback on the field that was able to deny the ball from the receiver.
When you search for words to describe the type of season that Morris Claiborne experienced, there really is only one comes to mind, disappointing. For Claiborne, the last two seasons can be described that way. He has struggled with his confidence but that is only part of the story. Claiborne has yet to play an entire season because of various injuries. For such a young player, he has had to deal with far too many issues. For once I would like to see Claiborne come into a training camp where he is not dealing with a knee, hamstring or shoulder problem.
What is interesting about Claiborne is that in the final game of the season against the Eagles, it was probably the healthiest that he had been all season and it was one of his better performances. He was outstanding that night with his ability to mirror DeSean Jackson, Riley Cooper and Jason Avant. He was moving well and when he had to drive on the ball to make a tackle, he was right where he needed to be. I understand why fans feel with the way they do about Morris Claiborne but I feel like it is way too early to write him off. It's not always easy to have patience with players especially ones that were drafted in the position that Claiborne was but in his case, I still give him a chance going forward.
In the theme of showing patience that I discussed with Morris Claiborne, I feel you have to take the same approach with
There are traits that he has that successful cornerbacks have in this league. His biggest issue is experience and the understanding of how he needs to play these routes in coverage and not be scared to put himself in position to make a play on the ball. There is an ease of movement to his game, along with quickness and a burst to fight receivers in routes. There were just too
Sterling Moore will get another chance in training camp and he deserves that. I was surprised that he did not make the team in the first place because he was one of my Top 10 Players coming out of camp in Oxnard. There is nothing flashy about the way Moore plays but there is some consistency to his game that any secondary can use. Once he was back on the roster, it allowed the coaches to have another option when they went to their nickel and dime packages, instead of having to go with a rookie at that spot.
It was a difficult year for these corners and as mentioned, the scheme change had something to do with that but collectively, they need to play better. Another year in the scheme should help but it is also on this group to step up and find ways to make plays despite whatever situation they are placed in.


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Rugby Stripe & Dot Bandeau One-Piece Swimsuit (# TSW34010P)
Please note: The stripes vary from garment to garment and will not exactly match the product photo. The item you receive will have 3 colors visible, all of which coordinate with the collection.
- 92% nylon, 8% spandex
- For best results, hand wash with our Swim Suit Cleaner
- Front lining
- Half-moon cups add coverage and support
- Single detachable halter strap included
- Tummy-control panel for a slimming effect
- Imported
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love, love, love I love this swimsuit! It's great fit and very slimming. Will be purchasing another in other color choices. August 22, 2014
Great Swimsuit! This is a classic suit and I don't even need the strap to keep the top up; a rarity for me! :) August 15, 2014
Great Swimsuit! I just love this swimsuit! It fits true to size and the top stays up without the strap. I have worn this suit several times and have received numerous compliments on it. I would highly recommend this product. I only buy Tommy Bahama swimsuits because I can count on them to fit correctly. May 9, 2014
Suit is fantastic!!!! Great Swim Suit!!! Very comfortable and has slimming features. I bought one for myself a few months back and liked it so much I purchased one for my daughter. This suit is ageless.......... I have 16 swim suits and I believe this is my favorite. I have had many compliments on this suit. December 23, 2013
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You are in: Home » Alloys By Size » 17" Alloy Wheels » Wolfrace JDM Gun Metal 17" Alloy Wheel
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Code: WR-AL-JD17GM
Wolfrace JDM 17" alloy wheels from the Wolfrace Eurosport range, available in gun metal.
JDM is the first of several new wheels to be launched into the Wolfrace Asia-Tec range for 2012.
JDM is a six spoke, dished design that's firmly affiliated with Japanese car tuning, finished in Gun metal paint.
JDM is available in 7.5x17"8.0x18" and 9.0x18" – allowing for staggered vehicle setups where required. The 17" version is available four and five stud whilst the 18" version is five stud only.
See our technical guide for further help.
At Direct Alloys we supply the full range of Wolfrace alloy wheels. We also supply Team Dynamics, Momo and many more.
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Direct Alloys offer a wide range of alloy wheels & tyres or alloy wheels & tyres as a package. Direct Alloys are the official retailers of all major brands, such as: Team Dynamics, Wolfrace, Momo, Inovit, Alutec, Calibre, DOTZ, Dezent, AEZ and more. We can also supply a wide variety of tyres in lots of different sizes, tyres are available from; Continental, Bridgestone, Goodyear, Michelin, Pirelli, Falken, Toyo, General, Kumho, Hankook, Cooper and many many more! We do also stock budget brands, please see our Tyre Guide for further information. We stock alloy wheels, tyres and car accessories for all makes and models of cars.
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For most of the last two decades, world leaders at the Asia-Pacific Economic Cooperation summit would don garb chosen by the hosts. The costumes made for a light moment at the picture-taking session — sober leaders in bomber jackets or pajama-style robes.
This year's summit, hosted by President Obama in his native Hawaii, broke with tradition. What do you think? Appropriate? Glad you won't be seeing world leaders in grass skirts and coconut bras? Or are you secretly a teeny little bit disappointed?
Thanks for all the responses on the Clintons' Founding First Couple costumes. The 42nd President and First Lady were dressed up as the 4th: James and Dolley Madison.
James Madison was the 4th POTUS and is often referred to as the "Father of the Constitution." Dolley Payne Madison, his vivacious, raven-haired wife was considered the toast of Washington. During the War of 1812, she was responsible for saving the original drafts of the Declaration of Independence and the Constitution, as well as a portrait of George Washington from the White House when Washington D.C. was set ablaze in 1814 by the British.
Here's a portrait of Dolley Madison created by the George Washington Bicentennial Commission.
Source: research.archives.gov
Happy birthday to Mr. President Clinton and a belated to heckyeahpresidents.
Shut up, it's my birthday
"I can haz caption?"
Yes, thanks to Alexander B. Howard, aka @digiphile, the winner of our LOL-cat caption contest. Check out all the presidential kitty captions on the National Archives on Facebook.


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1. Heat oven to 325 degrees F. In a large bowl, beat butter and cream cheese on medium to high speed for 30 seconds. Add granulated sugar. Beat until combined, scraping sides of bowl occasionally. Beat in egg. Beat in as much of the all-purpose and white whole-wheat flour as you can with the mixer. Stir in any remaining flour (you may have to use your hands to combine). Cover and chill dough for 1 hour, or until easy to handle.
2. Line 2 large baking sheets with parchment paper; set aside. Cut dough into four wedges. On a lightly floured surface, roll one wedge of dough at a time very thin (1/8-inch thick). Using a 2-1/4-inch cookie cutter, cut into desired shapes. Reroll scraps. If dough gets too soft, refrigerate again. Place cookies
3. 1 inch apart on prepared baking sheets. Brush with egg white. If desired, sprinkle with red and green coarse sugar or chopped cocktail peanuts and ground cinnamon.
4. Bake for 11 to 12 minutes, or until edges are lightly browned. Transfer to a wire rack and let cool.Healthy Savings:
5. We cut 11 calories and 1 g saturated fat; added 0.5 g fiber.
6. Nutrition facts per 2 Cookies
7. Makes 96 cookies


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Product Recall: We are voluntarily recalling fewer than 8,000 cases of regular Kraft American Singles Pasteurized Prepared Cheese Productlimited to 4 SKUs on two "Best When Used By" dates of February 20, 2015 and February 21, 2015. Click Here.
HEAT broiler.
RESERVE 1/4 cup barbecue sauce. Shape meat into 4 (1/2-inch-thick) patties.
BROIL, 4 to 6 inches from heat, 7 to 9 min. on each side or until done (160°F), brushing occasionally with remaining barbecue sauce. Top with Singles. Broil 1 min. or until Singles begin to melt.
FILL rolls with lettuce, tomatoes, burgers, reserved sauce and bacon.


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Item#: 3251
Manufacturer: Made in USA
Add a fun twist to doggy playtime with a unique toy that's good for the environment too! Floats! 100% recyclable Dishwasher safe Made in Montana, USA! Why We Love It: We love the fun and innovative shape of this boomerang-inspired dog toy. The Bumi Dog Toy in Blue takes the shape of an "S" and flexes out to twice its length. In addition to being easily thrown, this toy can float too! Made with durable, buoyant Zogoflex material, Bumi is guaranteed to go the distance. Zogoflex dog toys are buoyant, tender on teeth, 100% recyclable, and non-toxic. Made in the USA.


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Hi, I'm Jaden, a professional recipe developer, food columnist and food photographer specializing in fast, fresh and easy recipes for the home cook. Most of my recipes are modern Asian! About meFast, fresh & easy recipes for the home cook.
Tuesday, December 27, 2011
Here are two videos from Liberty Mutual made specifically for Steamy Kitchen readers that go over kitchen fire safety and fire escape planning tips! They were even nice enough to include a $100 Bed Bath and Beyond gift card for one lucky reader who participates in this giveaway.
This giveaway includes:
one (1) $100 Bed Bath and Beyond Gift card
From Liberty Mutual:
This giveaway is sponsored by Liberty Mutual.
Fill in the entry form below:
For good contest karma, follow Liberty Mutual on Twitter or Like 'em on Facebook!
Congratulations to our winner(s)!
Danelle Kinion


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Here, we review some choice, but not scientifically established, systems of keeping hair where it belongs, including ancient Chinese and Indian oils and herbs.
I'm really finishing up my first bottle and could have the 2nd one arriving within the following few days. I have been dosing Biotivia Bioforge at 2 tablets 40 minutes just before breakfast-time, and then 2 pills 30 minutes prior working out. Trust me; you wont require any sort of N.O. products in your dietary supplements if you take Bitivia BioForge, specifically pre-work out the muscle pumps are off the charts. Anyways I broke down my final results of Biotiva Bioforge evaluation in to groups.
Because what some might not understand is this when a man grows diabetes he might also in time develop erectile difficulties, also along with neuropathy effecting the feet, or fingers it can and usually does change the organ, which could make sexual intercourse difficult.
Go to the hotdog part of the food store and you'll find packages of pre cooked breakfast sausage for 40 calories a link. Gain the protein but save on calories. Throw within an egg or 2 also, unless your worried about cholesterol then you'll need to locate an appropriate replacement.
If you eat out at Subway you will spend 9 bucks for a foot-long sandwich, chips and a drink. Nine dollars will enable you to get a whole pound of any type of deli meat, cheese, tomatoes and lettuce to make yourself your own sandwich. If you bought the groceries you could eat a week's worth of sandwiches for twenty bucks. By the end-of a seven-day week you will have spent 63 dollars at Subway. You only saved 43 dollars, this means it is possible to eat grocery stores for 2 more months and still not spend just as much as a week of Subway foods.
People avert fats like the plague but the facts are that they're going to give you radiant skin when used properly. I am not talking about deep fried foods and trans-fats but omega 3 fatty acids. You can get them from eating oily fish including tuna, or it is possible to do what I do and use an omega 3 supplement. It will give you a radiant, luminous complexion and allow you to feel much healthier all over.
If you-can't decide between two or more majors, then plan on getting beginning courses from each section. You are able to take a few lessons in each of these areas in order to get a sense of them. If you do not pick early you might need to take more classes than you first expected.
Most Americans eat far more than they want. Causing for themselves many preventable issues some of these difficulties may be reversible with time and effort, some might not.
Do you really desire to get a fresh appearance? Don't you desire to be seen by the folks that how you are? Do you truly serious to get the muscular body or you really want your body in proper shape? Do you want to get more stamina on your work out and would you also desire better sexual life or you need to make your relationship with your spouse more pleasing through sexually. Then now this is ideal time to make your lifestyle get a fresh start with HT HURRY Testosterone. Now turn your lifestyle to be a pure guy which you just really have to be. It is possible to take your system to the heights of beauty by the utilization of this new amazing new testosterone formula. And therefore reveal yourself to every one that what you created from.
Spread your meals out and consume 4 smaller meals a day. Diet is important here. Cut out any late-night snacks and reduce your portions until they USUALLY DO NOT overfill you at meal-time.
Five. You must eat, and consider this critically, every three hours. As you are working out, you're bound to raise your metabolism and accelerate digestion. You'll get hungry as a consequence of your body's making do with so much bodily action.


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Applications are now being accepted for the 14th Annual Business Excellence Awards Program. Deadline to apply is October 1st. And save the date for the Awards Dinner - November 12th at the Providence Marriott.
Steven Feinberg, executive director of the R.I. Film & TV Office, chats with
filmmaker Amy Redford, daughter of actor and director Robert Redford, at the 2012 Rhode Island International Film Festival's film forum at the Providence
Biltmore Hotel on Aug. 9. Redford premiered her film "Delivery" at the festival, which this year attracted 176 filmmakers. Among the discussions at the forum was how to get more filmmakers to shoot movies in Rhode Island.


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Level 3 predatory offender in custody
A 39-year-old Level 3 predatory offender who moved into a residence in Lake Edward Township in October recently was booked in the Crow Wing County Jail for a parole violation.
It was reported that the Minnesota Department of Corrections (DOC) placed Christopher Eugene Wheeler on a parole violation because he couldn't find a place to live. Wheeler was to be in held in custody upon review of his living situation.
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Academic Skills CenterCampus Center: A-1138Phone: (815) 280-2261 or (815) 280-2284Email: firstname.lastname@example.com Click here to view hours
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This important placement test measures your math, reading, and writing abilities. An ACT COMPASS placement score is a mandatory prerequisite for math and English courses, as well as several other programs and classes. See Individuals Required to Take Test to learn more about these requirements. Without the ACT COMPASS test, you may be unable to register for your classes.
You are strongly encouraged to take this test seriously. Lower scores may result in 1 to 4 additional semesters of coursework that do not count toward your degree. These English and math classes that do not count toward your degree are called developmental classes. These courses can be identified by the "0" as the first digit in the course number.
Below you will find a number of ACT COMPASS Preparation options including:
ACT COMPASS review sessions are available by appointment at Main Campus and Romeoville Campus. To make an appointment, please call the Academic Skills Center at 815-280-2261.
Because ACT produces the ACT COMPASS test, their website provides sample ACT COMPASS questions. According to ACT, "These sample items illustrate the types of questions students will encounter in the ACT COMPASS placement measures." Please select the appropriate subject area below to view the sample questions. To view a breakdown of the subject matter included in the ACT COMPASS test, please see Components of the Test.
These study guides were created by Joliet Junior College. Please select the appropriate subject area below to see questions, solutions, and explanations.
The Math Department created Final Exam Review Packets for each of its developmental courses. These materials may help you brush up on your math skills prior to taking the ACT COMPASS test.
If you prefer to use textbooks to prepare for this exam, you have plenty of options available in the JJC Library. Please select the appropriate subject area below to view all of your textbook options.
The My Math Test online program is designed to assist JJC students with their ACT COMPASS math retest preparation. This free, online, interactive program offers over 4,500 sample questions, animations, and short explanatory videos. The math content ranges from writing whole numbers to advanced trigonometry. Call the ASC at 815-280-2261 to make an appointment and sign up for this free, online program.
Last updated on May 27, 2014.
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Minnesota's finance officials said Thursday a projected budget deficit has shrunk from $1.1 billion to $627 million, a 42 percent improvement.
Gov. Mark Dayton said he recognizes the progress and that Minnesota taxpayers will benefit the new projected budget deficit; however, he warned lawmakers not to expect a drastic deviation from his original plan.
Minnesota is, however, outperforming most other states and the national average in its economic recovery, with the 12th best job growth in the country in 2012, Dayton said.
Dayton said he expected to propose that most of the money be returned to Minnesota taxpayers in additional tax reductions, with a nod to tax credits for Minnesota homeowners.
Dayton's revised budget is expected to be released in the next two weeks.
The original $1.1 billion deficit forecasted in November was used to create Gov. Mark Dayton's budget, and he will release a supplemental budget in March to account for the changes. This updated projection will go on to influence a legislative debate over a two-year budget that starts July 1 and runs through June 2015.
Fiscal year 2012-2013 is projected to have a positive balance of $295 million, with almost all ($290 million) directed by law to pay back Minnesota schools. This leaves $801 million remaining in deferred payments. The residual $5 million will go toward the state's budget reserve, bringing that balance to $649 million.
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I do not like you at all.
I don't like you even a little.
I don't like you if my life depended on it…
You're right I don't like you.
I love you.
I love you loads.
I love you a lot.
I love you so much I'd die if someone told me not to love you.
I have a guy who hurt me so but now I don't care cause he stove.
An inanimate object no feeling at all because he fell for 7 girls with no feeling at all.
Candy is sweet, just like Easter peeps.
but you're not sweet like anything or even an Easter Peep you're not covered in sugar and squishy and good.
You're a dumb boy who thinks he's too good but in all opinion you should really try go read a book boy. Cause sooner or later your brain will turn to mush but I don't care you'll live with your mom in her basement for the remainder of your life in despare with you're candy in a small bowl while you sit on tumblr and troll.


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Breezy Council discusses road improvements, maintenance
The Breezy Point City Council met Tuesday, Jan. 22, to discuss potential road improvements and maintenance.
Draft minutes show discussion included maintaining existing roads, how to finance other road and sewer improvements and assess the benefits fairly, setting priorities and developing an overall plan of improvements needed.
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From Chatty Cathy to Drama Debbie
Guest blogger Michelle Kemper Brownlow: "How are you?" is a common nicety. We say it even when we don't care. And most of us will reply, "Fine, and you?" However, there are people out there whose lives don't exist without drama, and your simple question turns into you talking Drama Debbie down off the roof.
Today I am thankful for people like you.
Thanks for sharing such great advice, Michelle! And you're right! We should be the gift that someone needs at a difficult moment, but at the same time we should protect our own hearts and sanity. Thanks for this reminder! Margaret
At first I had to check your name because I swear I attract people who have the craziest things happen to them. Then I realize that I have a rather ummm eventful life too. I just chose to deal with it rather than complain about it. I have a hard time comforting people who can help their situation with making better choices.
I also have a hard time accepting people at face value now because of the drama sneak attackers I've come across. They lure you in with warm smiles and niceties then all of a sudden they tell you how they spanked your child while you were at the doctors office.
I've come to realize that everyone has a responsibility in what happens in thier life. Whether it be the people they associate with or having to actually deal with the consequences of their poor choices.
Not everyone has a good start at life. I know this more than most but what you do with yourself is your choice and being a drama lama is not attractive.
Just because someone has something going on in their life that isn't positive doesn't make them a drama queen. Had you given an example of someone always unloading on you with something new and small…I'd agree, but your examples hardly scream drama. It is life, and if you are going to ask someone how they are, you better be ready for the truth. If you don't want it, dont ask. This irritates me. I'm not sure I've ever run into someone who has asked me how I was and actually cared, they were just being "polite". It also sounds like, and I could very well be interperating this incorrectly (thus the SOUNDS like), you want people to bail on someone when the going gets tough. Which is the worst time to bail on anyone, I know, my friends have all done it to me (and I'm not a drama queen). How about promoting sincerity instead of a way to back track when your political correctness bites you in the backside?
Fabulous page,It looks like you could have clearly set up a web page I wish to read regularly. Thank you.
Lovely ideas, thanks to whoever thought of it and for showing the initiative to put it up
Lovely piece, thanks for showing the initiative to put your ideas down


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Clear Books Pro brings you and your clients closer together so that you can both access the client's financial data at any time, at the same time, and from anywhere. At a competitive price, accountants can take advantage of generous discounts or the opportunity for a revenue stream.
Win new clients with exclusive access to the UK's largest online directory for accountants or use our web design service created specifically for accountants. Attend events we regularly host, or join the community of accountants and participate in the Clear Books discussion on AccountingWEB.
From accounting to payroll software. Pick and choose the right services to suit you and your clients.
New to Clear Books Pro or a longterm partner? There is always more to learn. Choose from our range of training options or check out the free webinar content on the CPD page.
Clear Books Pro regularly hosts events for sole practitioners and startup accountants to get together.
"The benefit of working with Clear Books is that you can make decisions that will help the growth of the company."
— Kaziu Gill, Lime Green


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Philadelphia cops have arrested a suspect they say opened fire into a crowd surrounding the tour bus of rapper French Montana, killing a man from Queens, N.Y., MyFoxPhilly.com reported.
Authorities charged Frank Briggs, 20, with murder, attempted murder, aggravated assault, recklessly endangering another person, and illegal gun crimes in connection with the shooting that happened just before midnight Feb. 28, 2013, near Penn's Landing, a police spokeswoman said.
The Morocco-born rapper played a sold-out show at the Theatre of Living Arts that evening. Then the tour bus and some cars carrying the rapper's entourage went to a hotel for a party when a gunman opened fire on the crowd outside the bus.
Jowann King, 26, of Flushing, was killed.
French Montana was not hurt.
WTXF-TV330 Market StreetPhiladelphia, PA 19106-2796Phone: (215) 925-2929Fax: (215) 982-5494


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In singles competition, Drew Erie 08 pulled out a close win in the number two match. Mike Matsuura 06 took the number three match, Eric Brandenburg 08 dominated the number four match and Chase Donaldson 07 was victorious in the number five match. The Oles also fared well in doubles play: Matsuura and Donaldson won the number two match and Erie and David Gruner 08 won the number three match.
The Oles lost the number one singles, number six singles and number one doubles matches, but the men were competitive in all three matches. In both singles losses, the greatest margin of victory in any set was 6-3.
The MIAC is notorious for its perennially stiff tennis competition, and this season confirms that reputation. Three teams St. Johns, Gustavus and St. Thomas are undefeated in conference play, while Concordia and Carleton are currently dueling for fourth at 3-2. When their overall records are combined, the Johnnies, Gusties and Tommies have collectively posted 37 wins and just seven losses.
Though St. Olaf graduated its top two players last season, MIAC tennis observers are hesitant to label this season a rebuilding year for the team. Young Oles have quickly acclimated to collegiate competition, preventing the team from falling in MIAC standings. Five of the teams six first-year players are currently in starting roles, and Donaldson and Bryon McDonald 07 have played well in their second year with the team. Matsuura is the only starter on the team from the junior class, and there are no seniors on the current roster.
The Oles must still face Carleton, St. Johns and Macalester in regular season play, but with the conference tournament a mere three weeks away, the Oles will look to use those matches to prepare for postseason play. Last year, the Oles managed to upset Concordia in their final tournament match, winning the last singles match in a dramatic tiebreaker. That victory allowed the Oles to capture fifth place at the tournament, a very respectable mark considering their nationally-recognized competition.
This seasons tournament will certainly not be any easier, for Gustavus is likely to defend their title successfully. However, a healthy, hungry St. Olaf team will be a potent, perhaps underestimated, threat to postseason opponents.
The Oles play their next match on Saturday in St. Cloud, Minn. against St. Johns. The match begins at 11 a.m.