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Why Obama and Romney won't talk about housing
The candidates may fear offending banks, and a distracted press just ignores the issue.
This post comes from Marilyn Lewis of MSN Money.
Who's the best candidate to fix the economic mess? That's supposed to be the big theme of this presidential election. But you won't catch Republican candidate Mitt Romney or President Barack Obama making a peep about housing.
The housing and mortgage bubbles were behind the Great Recession. In spite of the bidding wars you hear about in a few cities, housing still is in deep trouble. It's just less deep than a few years ago.
"I find that shocking" that neither candidate mentions housing market issues, Nobel Prize-winning economist Joseph Stiglitz told Reuters. "It is one of the things that precipitated the crisis."
Stiglitz and other observers charge that both candidates are afraid of offending the banking industry, which contributes to both parties. Bank of America, for example, has made $2.13 million in contributions this year, 26% of it to the Democratic party and 74% to the GOP, according to 24/7 Wall St.
Goldman Sachs has spent $4.77 million on party donations, 29% to the Democrats and 71% to the Republicans.
What stops them?
Here's the housing scorecard to date:
- Americans have lost $7 trillion in home equity since housing tanked, says DS News.
- Some 3.8 million homes have been lost to foreclosure and an additional 1.3 million are in the foreclosure pipeline, according to CoreLogic.
- A fifth of households, with about $689 billion in mortgages, are under water -- their loans are worth more than their homes, Corelogic says.
- Qualified borrowers can't get mortgages, and that effectively locks them out of what is arguably the only consumer benefit to come from the recession, discounted housing.
In short, there's plenty for the candidates to talk about and lots of room for them to disagree. Why don't they?
"In some sense, they don't want to offend the banks," Stiglitz said. The banks, he said, are "a major problem to doing something about the problem."
"There are some good ideas about the restructuring of mortgages, but neither candidate is addressing them," Stiglitz said.
PBS put the question to two experts whose views on housing policy closely resemble the candidates'.
Mark Calabria, the director of financial regulation studies at the Cato Institute, said he'd like the housing downturn to be allowed to run its course, free of government intervention, a position he said Romney initially adopted and then abandoned. "I think he started to recognize the politics of it after that," Calabria said.
Calabria said:
There is no way to just bring that wealth back. Ultimately, you need to have that market recover. And that is going to be painful.
Reporters' failure
Jim Carr, senior fellow at The Opportunity Agenda, a policy and advocacy group, says government should do more. Administration programs have had a "significant" effect but "we need to step up the game on the foreclosure mitigation initiatives, and really stem this foreclosure crisis."
Carr added:
I think one of the reasons is that candidates haven't been held accountable by the press, by the media. You look at the fact we have had three presidential debates and not a single question on the state of the housing market.
The GOP divide
Housing's touchy for both candidates, since some voters want government help and others are tired of bailing out their neighbors. Added Calabria:
I will note as well a lot of the real estate industry, the realtors and homebuilders tend to be very small businesses that tend to be very pro-Republican. So, partly, what Romney is trying to balance is, I don't want to irk the Tea Party folks by saying I'm going to go out and give bailouts and try to lift up the housing market. But at the same time, I don't want to talk it down too much because my friends in the real estate industry, they want to see the market prices go up.
More from MSN Money:
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- How to crash an economy -- then escape
Folks - The answer to the "housing crisis" is jail time for the fraudsters - large and small. Dont; fine the corporations. The corporation is a piece of paper. The piece of paper did not commit the crime, the employees did. Put'em in jail and those in the future will get the message.
The buyers of the mortgage backed securities are the idiots here. WOuld you buy a car without looking at it, driving it? The banks, investors, 401k managers bought these securities and never even looked at them.
"OK Mr. seller, you say this $100,000,000 bundle of mortgages is A-1 Prime? Ok, here's your check."
Well, here's your sign! You dummies or crooks.
We do not need more regulatuon nor bailouts. Let the damned RE market collapse. It will rebuild itself within 18 - 24 months IF America does not go broke from all the debt and borrowing.
A Real Estate Broker
We've got too beauts running for the presidency; neither one has a real clue about coping with this major issue. Just don't rock the boat with potential voters.
Bush policies, and complete ignoring the regulations for Banks, Lending Institutions, and in general a fully lack of considerations for all Middle Class, and poor of our country. And still the Morons, and ignorant want to vote for bush clone, Romney, the greatest liar yet to come rto the present polical arena, and to top the horrible situation he wants to be president of our wounded USA by tghe ever lasdting sickness of the Bush presidency.
Romney, you presently have worthless political policies, and multiple wrong proposals for the present economy that will not work to help us in the future! Very soon as your ego feeds your enthusiasm for the White House you will find failure, all because the briefcase you carry is full of empty promises to the middle class. You speak with a false tongue every opportunity you have to addresses the ignorant that attend your meetings as you are are a well known liar, and much better pushing hypocritically false promises to the American people. You did not win the fourth "Presidential Debate", but you purposely confused sixty five million viewers all the way trough the 90 minutes duration of your messy palabras showing your own ignorance in Foreign Politics ! You truly have become too confident! You think you are on a political success on a roll on winning the Presidency. But Romney, your lies are now fully discovered by the humble citizens of the 47% middle class, now depressed for eight years by Bush politics, and dishonest policies ! The sixty five millions of television viewers saw you putting a fake performance and talk stupid Universal Political policies. Your unprecedented confusion in all Foreign Political topics that Obama had to correct you all the time. You Romney, will fade away as the million viewers now know you brain only work to make millions of dollars in Outsourcing American jobs to China! Finally you know nothing about Foreign Politics, and you are very dangerous for our USA if you take the presidency, soon smart citizens will push you into the darkness of rejection forever. Citizens, vote Democrat for OBAMA, and get the best President!
|The following is a narrative taken from a 2008 Sunday morning televised "Meet The Press'.
From Sunday's 07 Sept. 2008 11 : 48 : 04 EST, Televised "Meet the Press" THE THEN Senator Obama was asked about his stance on the American Flag.
General Bill Gann' USAF (ret.) asked Obama to explain WHY he doesn't follow protocol when the National Anthem is played.
The General stated to Obama that according to the United States Code, Title 36, Chapter 10, Sec. 171...
During rendition of the national anthem, when the flag is displayed, all present (except those in uniform) are expected to stand at attention facing the flag with the right hand over the heart. Or, at the very least, "Stand and Face It".
'Senator Obama replied :
"As I've said about the flag pin, I don't want to be perceived as taking sides". "There are a lot of people in the world to whom the American flag is a symbol of oppression.." "The anthem itself conveys a war-like message. You know, the bombs bursting in air and all that sort of thing."
Obama continued : "The National Anthem should be 'swapped' for something less parochial and less bellicose. I like the song 'I'd Like To Teach the World To Sing'. If that were our anthem, then, I might salute it. In my opinion, we should consider reinventing our National Anthem as well as 'redesign' our Flag to better offer our enemies hope and love. It's my intention, if elected, to disarm America to the level of acceptance to our Middle East Brethren. If we, as a Nation of warring people, conduct ourselves like the nations of Islam, where peace prevails - - - perhaps a state or period of mutual accord could exist between our governments ......"
When I become President, I will seek a pact of agreement to end hostilities between those who have been at war or in a state of enmity, and a freedom from disquieting oppressive thoughts. We as a Nation, have placed upon the nations of Islam, an unfair injustice which is WHY my wife disrespects the Flag and she and I have attended several flag burning ceremonies in the past".
"Of course now, I have found myself about to become the President of the United States and I have put my hatred aside. I will use my power to bring CHANGE to this Nation, and offer the people a new path. My wife and I look forward to becoming our Country's First black Family. Indeed, CHANGE is about to overwhelm the United States of America "
Yes, you read it right.
I, for one, am speechless!!!
Dale Lindsborg , Washington Post
It's more than sound banking. Glass and Steagall recognized the need to segregate money touchers and maintain regulation to prevent future catastrophes based on irresponsible money dealings. the banks had already been bailed ONCE before the Great Depression and the whole 10% down payment on stock purchases thing smacks of derivative formulation today. Even Sandy Weil (former CEO of Citi) agrees that suppressing Glass Steagall was a bad move and HE was the guy who made it happen! Credit isn't super hard to figure out because Risk is logical. Either the collateral exists or the trust does. It cannot be automated-- EVER. Nobody in Goldman Sachs has the slightest bit of actual Credit Risk skill. You don't get it at the Wharton School of Business, you get it pulling up to a drug den address where your defaulted customer was supposed to live-- that YOU trusted instead of obtaining collateral on. Mortgage, Insurance, Deposits, Trust, Short Term and Revolving Credit, Commercial, Investment, etc... these aspects can only be stable when separate. Financial abuse is too easy and so it attracts the lowest of character and ethics. BANKS... never learned how to deal with money handling and touching. We really don't NEED banks. We absolutely NEED regulation and oversight.
Let's never forget that the likes of Goldman Sachs thought an Option A.R.M. was a good idea... even though it caused tremendous harm BOTH of the prior times it appeared in the market. An ARM requires diligence that covers the Worst Case Scenario as a qualifier. Educated IDIOTS by-passed all of that warning and caution for-profit. Yea... I don't have an Ivy League degree but I can write a valid credit file from blank paper. Goldman Sachs NEVER employed anyone who knew credit at that level. That's GROSS NEGLIGENCE and WILLFUL MISCONDUCT. So why are they still in business and no one is in jail for causing the worst financial crisis in American history?
BINGO! this is what is unstated behind closed doors and is affecting the world's cash flow
""As long as the goal of lowering manufacturing wages to comply with the goals of the New World Order continue to be the unwriten/unspoken rule there will be no recovery of the housing industry as we know it. ""
Sadly, reports today say that Toyota is now leading the world in the automotive sector. Basically, they were able to grow the Prius product to popularity and volume, thus reducing the unit cost. Instead of allowing that to happen here, dark undisclosed parties sabotaged our ability to grow alternatives to popularity and thus reduce unit costs. We should be light years ahead in self-sufficiency but can't get past banksters in control and evil oil manipulating us at all levels. Japan has a whole line of car models that get nearly 100 mpg... we have reprisals of the hot rods getting 8 mpg. We are praising builders for still building new homes miles from current populations and jobs so there is no choice but to keep relying on gas and oil.
WAKE UP, idiots... if we are the Land of the Free and Home of the Brave... how come we're so suppressed and controlled by inherited wealth giving us the business and I'm literally posting the truth here without your support? IF you make your living pushing paper and buttons, where will your future from? You are destroying it RIGHT NOW for pennies.
However if you check off the minority races on the Gov. mortgage bailout refi, you have a better chance at getting help.
Gov. has the ability to loan money. Loan it to those underwater, who pass certain standards. Make the loan to finance the past due amounts for those who want to stay in their homes. Start there.
Neither candidate will talk about housing because there is no 1 answer and either will lose in responding as their answer will not cover some other part.
If cash for clunkers was such a big hit, why would we not use it on the housing front? Start bull dozing down abandoned houses. Destroy them just like cash for clunkers.
Ending the Federal Bank is a great idea. Andrew Jackson knew it and done it.
But just writing checks to people or forgetting their debt is not going to work by itself. Our money has been so devalued it is very weak.
One of the most important aspects of political ignorance relative to banks isn't limited to a party, it's a cultural problem that suggests career politicians, lobbies and banks as cartels... need to go.
How many times now have we seen the Dow lift or reverse a loss to a gain STRICTLY because banks borrowed from the Fed to pull their own sector back up? Answer-- WAY too many times. The Party of NO in Congress and many career politicians got caught Inside-Trading using confidential information for personal gain. You don't write a new Act for that, you FIRE the crooks! It's bad enough when there is competitor collusion, but the financial sector STINKS with nepotism, collusion, terrorists in groups (that includes alumni) and compromising relationships. How many Lobbyists are related to or married to either their Congressional target or client? ALL of this is the exact same culture that caused Pilgrims to come to America and peoples worldwide to leave homelands for the Land of the Free and Home of the Brave. It can only be one or the other... America- the way the whole world knows it needs to be as a blended cultural melting pot... or a New World Order that NO ONE but bankers, lobbyists and career politicians (and their money daddies) want. I say we STOP the elections, leave Obama in place and begin the gutting of organized administrative criminal acts undermining AMERICA. WORK FOR IT... and that doesn't mean scheme your way to riches.
Dump the Dollar because Greenspan and Bernanke broke it. Start a new currency that mandaes a FLOW not a hoard to cesspools of corruption. Close the banks, end the Federal Reserve and get RID of Wall Street... the source and fountain of all corruption. Colleges need warranties not alumni associations. Law Firms are a Militia... dissolve them. Corporations beyond the Founder are not good for America, they are GREAT for the Board Directors and hired-in executive prostitutes who sell their souls for a wealth status. GET OUT, PARIAH.
"Stiglitz and other observers charge that both candidates are afraid of offending the banking industry, which contributes to both parties. Bank of America, for example, has made $2.13 million in contributions this year, 26% of it to the Democratic party and 74% to the GOP"
Bank of America being the giant conglomerate bank that prides itself on over-charging and tacking fees on everything it does. Just yesterday came an article that says-- we're suing B of A for $1 BILLION over the Countrywide mess. One BILLION. Say it like Dr. Evil did in the Austin Powers comedy. He had just woke up from the 1960s. ONE BILLION... for a disaster that cost America and Americans TRILLIONS. They make that in FEES each month.
Tell us in a joint news conference Mr. President and Mitt Romney... WHY IS IT MORE IMPORTANT to have giant banks that harm America in every possible way, instead of financial segregation and an economy that works for everyone? WHY? Romney... your answer needs to be 3 times better than the President's answer because banks give you that much more. No flip flop answers please, and no, you can't change your mind and align with the President after he gives his answer.
Close the banks, end the Federal Reserve, get RID of Wall Street. Each of these pariah and the Law Firms that get rich because of them... need to GO. REstore America. Recover jobs. Use the wealth of hired-in and inheritor pariah to fund it. In the end, there can be only one America, not a Two Class Upper and Lower America. Like it or leave it rich people, you didn't earn it.
You may not be able to control the bankers, however, they were just in it for a buck. Thats their job make money.
OTOH, people who were sold arm loans that would increase up to three times in two or three years are at fault. I have a friend who is a realtor. the loans went thru on people who could not possibly pay when the arm loan jumped. And a lot of their stories were, we will live great for about 5 years until they take it back.
Its real simple. they can apparently mandate health insurance as a tax. Outlaw arm loans balloon loans, and any type loan except for 30 year fixed rates morgages. and insure that the buyer has 40% of his takehome not used for credit cards and signature loans. If there is a 10% downpayment make sure the borrower does not go out and borrow the 10%. Real simple. Make that law, and you can quit worrying about the banks making bad loans. And when they do tack on a 5 year sentence for each violation. that should stop it. So why cant washington figure this out?
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Breaking up big banks is an untested solution to the too big to fail problem that attempts to isolate and dismantle large, troubled institutions while protecting the rest of the economy.
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[BRIEFING.COM] The stock market finished an upbeat week on a mixed note. The S&P 500 shed less than a point, ending the week higher by 1.3%, while the Dow Jones Industrial Average (+0.1%) cemented a 1.7% advance for the week. High-beta names underperformed, which weighed on the Nasdaq Composite (-0.3%) and the Russell 2000 (-1.3%).
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Why "More Bars in More Places" means shit for nothing now
Years ago we heard AT&T's pitch: "more bars in more places". Their campaign was to let everyone know that they had the best signal around. Sure, that may have mattered then, but the definition of signal is even variable. Just a few years ago, Apple and AT&T changed how the iPhone displayed the signal bars to appear as though people had better service. Signal is just one of the indicators that the carriers give us to understand a device's connection to the network.
With Apple's update to iOS 5.1, the story gets even more confusing. If you're on an AT&T network and have an iPhone 4S, you might be seeing a "4G" symbol now where a "3G" symbol appeared before. But here's the kicker: the speeds are the same. AT&T claims that this is the right way to do it because they want to distinguish the speed of their network from what Verizon calls "3G". Add in one more level of confusion: AT&T's "4G" network is referring to their HSPA+ network, not their LTE network. That's going to be called "4G LTE". Following me still?
The last few days while I was at SXSW, my iPhone was indicating that it was on AT&T's "4G" network with a full five bar signal. Yet, when I tried to do anything at all it failed miserably. When I finally got SOME signal I did a speed test and that same network AT&T claims is "4G" gave me a 0.25Mbps downlink speed. Abysmal. Without a doubt it's not the brilliant future of crazy speeds everywhere that the mobile carriers promise us.
What current indicators mean
It used to be that signal actually mattered when the network density was low. And sure, it still matters a bit in rural areas. But most of the time, I'm seeing at least 3 bars, which should be a decent enough network connection. Here's a couple definitions on what the indicators mean:
Signal bars: These show how strong the signal is between the tower's broadcast and your device
Network indicator: This shows which network band your connected to: this could mean you're connected to GRPS (1G), EDGE (2G), UTMS (3G), HSPA+ (3G but AT&T calls it 4G), or LTE (true 4G).
So even if you have a strong signal (signal bars) to the tower, and you're on one of the specific network bands (network indicator), it's still possible that you'll have degraded or no actual service. This happens when the network itself is overloaded (concerts, festivals, conferences, rush hour, etc.) with usage.
We need a new indicator
What we need is something that indicates network quality. This would be a third indicator (or replacing the two previous ones). It would indicate the level of service that one could expect while on a cellular band. This might account for data connectivity and speed, as well as voice and SMS connectivity.
These days, what network I'm connected to and how strong that signal is to that network means relatively nothing to me. I'd much rather see something that indicates simply what I'm going to expect when I want to use the network itself. Signal and network mean something far less important than just knowing how good the service will be.
It's going to matter even more in the coming years as the network density actually gets better (more towers in more places) and all the while data consumption will keep skyrocketing. Signal will always be high, and you'll always be connected to the "4G" network, so then the only thing that actually matters is how GOOD the network actually is.
Staying hopeful
I'm extremely hopeful that the Apple, other mobile device manufacturers and the carriers will wise up to this. It's unfortunately a shot in the dark because if carriers were to use actual network performance instead of bullshit marketing terms, then they might be held accountable. I'm of the mindset that something like this might need to be legislated for it to actually be put into place. That's unfortunate. Too bad the carriers can't be honest with us and give us the service that we're paying for. I'll still keep my fingers crossed.
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we need an indicator of 'network quality', not just strength of the signal from the tower.
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GREEN BAY, WI (WTAQ) - Five minors, four 17 year olds and one 16 year old, have been charged with being a party to the crime of attempted 1st degree intentional homicide, resuulting from an incident at 831 Sunridge Court in Howard ealier this month. A party involving alcohol and drugs appearently turned violent with a fight between rival gang members. One victim was hit in the head with a blunt object, another stabbed several times. Brown County Sheriff's Department says more arrests are expected.
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FM Partnership Program
Facilities Management is pleased to announce the implementation of the "FM Partnership Program". The intent of the program is to enhance two-way communication between the various University departments and Facilities Management.
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The beauty of the Columbia Gorge lies within your reach. A panoramic backdrop of nature that provides an awe inspiring view for your event. Whether you choose indoors or outdoors for your event, the breath taking views of the gorge surround the Cape Horn Estate. Located on the Lewis and Clark Trail in the Columbia River National Scenic Area, only a short drive 25 minutes east of Portland/Vancouver area up SR -14 in Skamania.
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Discover Author
The winner of five best cookbook awards (Tastemaker, James Beard, IACP) and a member of the James Beard Cookbook Hall of Fame, Jean Anderson writes for Bon Appétit, Food & Wine, Cottage Living, Gourmet, More, and other national publications. She lives in Chapel Hill, North Carolina.
Copyright © 2014 HarperCollins Publishers. All rights reserved.
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Insight 2012
1,000 - 5,000 downloadsAdd this app to your lists
+ By DoubleDutch
This mobile app allows you to:
* View schedules, explore sessions, and find after parties.
* Create your own personal schedule and access location and speaker information.
* Access interactive maps and find local places.
* Check-in to sessions, meetings, keynotes, and exhibitor booths.
* View an entire feed of the event activity, including attendee check-ins, photos, and more.
* Earn points, badges, and prizes for being active on the app and at the event.
* Expand your professional network and have fun!
Features of the App:
* Status Update - a quick way to share photos, comments, where you are, and which session you're attending
* Activity Feed - keep your finger on the pulse of the event. See what people are doing, view photos from the event, find trending sessions and topics, and "like" and comment on other attendee check-ins
* Agenda - view the full agenda and related information (session time, room number, speaker info, etc)
* Users - see who's at the event, and connect with them on the app
* Exhibitors - find exhibitors and sponsors, check-in to leave comments and feedback
* Profile - your official app profile, highlighting your name, profile photo, title, and company
* Leaderboard - see who has the most points at the conference and climb your way to the top with check-ins
Remember, as you use the app, you'll earn points and badges for participation. Enjoy the app and have a great show!
This app was created by DoubleDutch, the category leader in mobile engagement applications for events and sales teams. DoubleDutch's mobile event app, Flock, provides the most interactive experience possible for event attendees, organizers, and sponsors. Flock provides a platform for attendees to share what they've seen, learned, visited, and achieved with a few simple taps of the phone. This social platform unlocks valuable insight for event organizers and makes events exponentially more enjoyable.
Tags: starsinsight, netapp insight 2012 mobile.
(35 stars)
Reinstalling because it can be usefull, but it crashes a lot!
(35 stars)
Reinstalling because it can be usefull, but it crashes a lot!
(35 stars)
Useless app. Crashes constantly and drains battery.
(35 stars)
Crashing constantly on Galaxy Note 2.
(35 stars)
Seems there was a break in the reg authentication. Can't have special characters in pwd.
(35 stars)
Updated to Nov 5th version. Now it won't start. Running on Droid Razr
(35 stars)
The app keeps crashing every few minutes. And the most annoying part is that the app does not remember your credentials so you have to reenter user and password every time.


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By Kate Ward, Hollywood.com Staff
Looks like the wardrobe of Rosewood's teens will continue to make us uncomfortable. Pretty Little Liars, ABC Family's teen-centric mystery, has been renewed for a fourth season, the network announced. Season 4 will begin in mid-2013 with 24 new episodes, but fans of Pretty Little Liars will also be given a treat this Halloween season: A special Halloween episode of the series will air Oct. 23, and Season 3 will continue in January.
Its renewal comes as little surprise Pretty Little Liars has been a massive success for the network, ranking as its No. 1 show of all time. The series also won the No. 1 spot across cable networks in viewers 12-34 and females 12-34. Given that, we can expect a long run for Pretty Little Liars even if the skirts continue to be all too short.
[Image Credit: ABC Family]
Pretty Little Liars Summer Finale: The Betrayal
Pretty Little Liars Recap: Wild Things
Pretty Little Liars Recap: Cabin in the Woods


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Did you spend too much time hitting the weights and forget to do your holiday shopping? Need a fast, thoughtful gift that's sure to make a fellow fitness buff happy? We've got you covered. Stay with Muscle & Fitness all month for a great gift idea every day until Christmas.
Nike + FuelBand
Keep track of your fitness goals and progress with Nike's new fitness gadget. With its convenient form and trendy design, the FuelBand is sure to be a hit with the gym rat on your holiday shopping list. The waterproof, rubber-like band comes equipped with an LED display and doubles as a watch. You can keep track of steps taken, calories burned, and even get feedback on how well you are doing at reaching your fitness goals. In addition, you can save and track your progress by wirelessly sending data from the band to your iOS device or manually plugging it in to a USB port.
Price: $149
Available at Nike.com.
See yesterday's gift idea: Racecar Driving Experience >>


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As of June 15, 2013, the Pre-Existing Condition Insurance Plan (PCIP) allows you to see any provider of your choice for most covered services, as long as the provider agrees to accept PCIP payment. PCIP has prohibited providers from charging you an amount greater than the cost-sharing amount for covered services. Click here for tips on finding a PCIP provider.
PCIP has network providers for Durable Medical Equipment and transplants. Click the appropriate link below to find contact information for these providers. All are available nationwide:
*There is no benefit outside of PCIP's national DME network. If you choose a non-network provider to receive DME, you will be responsible for all charges.
^Transplant services must be provided by a facility participating in the LifeTrac Network with the "Select" program status. Benefits for transplants outside of this network are limited to $100,000. Kidney and cornea transplants are excepted from both the requirement to utilize a LifeTrac provider and also the $100,000 out-of-network maximum benefit.
The link below will provide a list of Bariatric Surgery facilities that have met the CMS's minimum facility standards for bariatric surgery and have been certified by ACS and/or ASBS:


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Prepare yourself for St. Patrick's Day over at After 12!
You're right kid, Boba Fett is the coolest toy.
Google recently added one of its own server racks to their maps servers. One of many Easter eggs in the virtual tour is the security in this room here. Are these the servers we're looking for?


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"We used a b&w picture and we absolutely love the result. We have already received so any compliments on the announcement! Tiny prints has a great selection of adorable cards it was definitely hard to pick the winner for our announcement. Easy to setup & personalize and I love the save to favorites feature. Great service and quick shipping! Received the cards faster than expected."
"It is difficult to find beautiful classy girl announcements in any other color than pink. These are perfect if you aren't crazy about pink. The standard paper option is nice and thick. It looks great with rounded edges. I chose a sepia photo for it."
"Great birth announcement and super easy to use website. I especially like the address book that I could pre- populate before the birth happened. And being able to save your projects and finishing them at a later time is very convenient."
"I love this card so much! It came out gorgeous! Love the fact that there was another color besides pink. The design is beautiful, simple, not to busy or frilly. Perfect!"
"Loved these announcements that I bought to send out for the birth of my little girl. I really liked the flower frame. I also really like that the announcement was 'completed' by having a matching back. Would definitely recommend. Shipping, however, was very slow and arrived two days later than the expected delivery date, even though I paid extra for fast shipping."


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Passionate people create exceptional things
Award goes to Dynapac SD2500CS
Dynapac SD2500CS wins award at Autostrada-Polska Expo.
Latest edition of BUILD is out!
New edition of BUILD, the customer magazine from Construction Technique, is released. Click here to view and read the online version.
New expanded PaveManager 2.0
Atlas Copco has expanded its PaveManager Control System with several new features, such as VarioSpeed; a continuously working load sensing system offering substantially reduced fuel costs, and an automatic measurement and programming function.
Dynapac F800 paver - introduced at ConExpo
Atlas Copco Road Construction Equipment launches the brand new Dynapac F800 paver at ConExpo!
Atlas Copco Road Construction Equipment is part of the Construction Technique business area. The division is a leader in asphalt and soil applications, committed to customer performance worldwide. Products and solutions are marketed under the Atlas Copco and complementary brands, and with a product name Dynapac. Headquartered in Wardenburg, Germany, the division has production facilities in Europe, South America and Asia.


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Q&A: After two miscarriages I am trying to conceive again, but want to know if there is anything extra I can do.
I had a miscarriage when I was 19. I didn't know I was pregnant until I was seven weeks into the pregnancy and miscarried a week later. I also miscarried at the age of 20. This time, I was 14 weeks along when I lost the baby. I found out quickly about that pregnancy, and did everything by the book before and after I found out. My husband and I have been trying to conceive for only a few weeks now, but I was wondering if there is anything special I should be doing. When should I start worrying? We want a child very badly.
I am so sorry you have been through two miscarriages. That can be heartbreaking. The good news is, most of the time, a woman with two prior miscarriages will have success on her third try. That said, especially with the second miscarriage bordering on the second trimester, you may benefit from a workup to look for causes of recurrent miscarriage. Some regular OBs offer testing, or you can see a reproductive endocrinologist (REI) or high risk OB (MFM).
The basic workup for recurrent miscarriage includes a complete medical, surgical, genetic, and family history, as well as a physical exam. They may
recommend looking at the internal shape of your uterus with a special xray or ultrasound. Blood tests look for autoimmune reasons that women can repeatedly miscarry. Thyroid testing may also be done. If the pregnancy you lost at 14 weeks did not have chromosome testing, they may recommend testing your chromosomes now.
Please remember that miscarriage is very common—about 15% of pregnancies end in miscarriage. Having a serious cause of recurrent miscarriage is quite rare. The most likely explanation for your two losses is that you were in the unlucky 15% twice. And if there wasn't really a cause of miscarriage other than bad luck, the most likely outcome for your next pregnancy is a happy healthy baby. Good luck to you!


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MMC, known for their rugged adjustable sighting systems, makes some rather mean looking ghost ring shotgun sights for serious social purposes. To visit MMC's Ghost Ring shotgun sight page, just click on this link. Read More »
ITT Night Vision: TREXPO East
I must admit that I mention ITT solely on the basis that I was simply blown away by the technology during a demonstration inside their their demonstration trailer(at TREXPO East), rather than their products being anything "new". The only really new thing about ITT's products is their most advanced intensifier tube, called "The Pinnacle", that now goes beyond Gen III+. ... Read More »
EOTech Electro-Optics Technologies at TREXPO East
The EOTech "HOLOgraphic Diffraction Sight" (HDS) is beyond a doubt the highest-speed, lowest-drag optical sight for tactical shoulder weapons that is currently available. Utilizing the same technology as the Heads-Up Display (HUD) in modern fighter jets, the HDS projects a red holographic circular reticle with center dot directly onto the target. This is very different from standard red dot and ... Read More »
Insight Technology M6 Tactical Light/Laser Sight for Pistols Just Released
Insight Technology Incorporated has just come out with their M6 under-barrel mounted light/laser unit for handguns. The unit integrates a white light illuminator with a visible red laser, all in a compact package. DefRev will be looking to acquire one of these units for testing (probably on a Glock), as soon as possible. You can visit the tacical illuminator page ... Read More »
Optima 2000 Red Dot Optical Sight. Is this the First Red Dot for a Carry Pistol
The Optima 2000 sight, currently being marketed by Tasco, appears to be the first red dot sight truly small enough for use on a carry pistol. Right now, it's the smallest red dot sight on the market, and it's making a big impact , probably because of it's carry gun applicability. In the future, DefRev will definitely be putting an ... Read More »
Mars Reflex Sight/Tavor Rifle Combo.
Check out this package. Israeli special forces have never messed around, but this new package looks pretty formidable. Their new Tavor bullpup rifle, combined with the Multipurpose Aiming Reflex Sight (MARS), made by International Technologies Lasers (ITL), looks to be a really potent little package. CLICK HERE to read about it. To visit the manufacturer's site, click here. For information ... Read More »


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In this Aug. 24, 2010 photo, job seekers wait on line at a career fair in Newark, N.J. The U.S. economy grew unevenly in early fall, with more than half the regions of the country expanding modestly while others are struggling to grow. (AP Photo/David Goldman)
Here is an official comment released by Zimmer in regards to staff changes Thursday.
According to Garry Clark, the director of Public Relations at Zimmer, "Over the past several years, Zimmer has pursued a number of transformation initiatives that position the Company for sustained growth. These programs have enabled Zimmer to increase the productivity of our new product development programs and better meet the needs of our Customers.
As part of these ongoing efforts, the Company today implemented certain actions that resulted in employee reductions across its businesses and geographic segments. All affected employees will be supported with a range of severance and outplacement benefits.
Less than 50 full time employees were impacted by today's changes in Warsaw."


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Pearl Platinum All Purpose Bowl by Lenox
A bowl with a purpose? In fact, this white-bodied bowl has many uses, and is equally beautiful simply on display. A must-have for the Pearl Platinum pattern, the bowl is distinguished by its jewel-like depth and lustrous platinum accents.
- Crafted of Lenox fine bone china accented with precious platinum
- Dishwasher-safe
- Made in USA
- Diameter: 6 1/4"
- Capacity: 16 oz.
$58.00 $39.95
Other products we think you'll love.
Shopping made easy with Lenox EasyPay. Order today and take up to 8 months to pay - interest free!Learn About EasyPay
Break something?
Lenox Breakage Replacement is one of the best customer satisfaction plans anywhere. So don't worry, you're covered. read more
Need Help?


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The Higher Education Act of 1965 (HEA), as amended by the Higher Education Opportunity Act of 2008 (HEOA), requires institutions to disclose certain information to prospective students, current students, and employees. The purpose of this web page is to provide in an easy-to-access manner the information required to be disclosed by the HEA.
General Institutional Information
Privacy of Student Records - Family Educational Rights and Privacy Act (FERPA)
Academic Affairs
Gainful Employment
HNU Cal Grant Qualifying Institution Disclosure
Per California Assembly Bill (AB) 2086, the following links provide California license examination passage rates for graduates of the listed programs.
Safety and Security
Student Financial Services (Financial Aid)
Student Success


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LOUISVILLE, Ky. (WDRB) -- LMPD officials say a homicide unit is investigating an apparent double suicide at The Hyatt on 4th Street in downtown Louisville.
Officials say a couple in their 50s was found dead in a room on the 16th floor.
Metrosafe officials said they believed the incident might be a murder/suicide when police arrived at the scene, but after further investigation officials said it appeared to be a double suicide.
Police say a hotel employee found the couple's bodies in their hotel room around 5 p.m. Wednesday.
No hotel guests were evacuated.
Copyright 2013 WDRB News. All rights reserved.
624 W. Muhammad Ali BlvdLouisville, KY 40203


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The Book
Drawing on the wisdom he gained from his Uncle Cleve, Who Owns the Ice House? chronicles Pulitzer nominee Clifton Taulbert's journey from his life in the Mississippi Delta at the height of legal segregation to being recognized by Time Magazine as "one of our nation's most outstanding emerging entrepreneurs". While Taulbert describes the life-changing influence of his Uncle Cleve, entrepreneurial thought leader Gary Schoeniger captures the entrepreneurial life lessons that can empower anyone to succeed.
Kent State University adopts Who Owns The Ice House as Common Reading
The Common Reading Committee and the Office of Student Success Programs is pleased to announce the selection of this year's Kent State Common Reading book Who Owns the Ice House? by Clifton Taulbert and Gary Schoeniger. Learn more >


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Greater St. Louis Area Council: Boy Scouts of America
Call of the Wild is Pathfinder District's advancement program for Tigers, Wolves, and Bears. This one day session on October 27th will give Scouts a head start on earning their rank! This program is held outdoors at McDonnell Park so be sure to dress Scouts appropriately (Layers!). To learn more about Call of the Wild, open the registration form below:
Call of the Wild Registration 2012.pdf


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Keith Palmer, who received his first kidney transplant in 1993 until it was found to be cancerous 16 years later, requires dialysis four times per day, the story stated.
According to the story, despite his medical requirements, Palmer managed to continue working at Willard Elementary School until October when the associated pain became unbearable for him, as he is on his feet all day.
Palmer receives Illinois Municipal Retirement Fund (IMRF) disability payments and, with the assistance of the National Kidney Foundation, his medical expenses are covered, the story noted.
To show their appreciation for what he does for them, students and staff at Willard Elementary School raised $850 to buy Palmer an account at The Perfect Dinner, which delivers meals to his home, the story added.
Palmer, who could have to wait as many as seven years for another donor, said: "I have good days and bad days. I could be fine and in two seconds I could be puking my guts out. I always look at it as it could be worse. I try not to let it bother me, but you kind of get sick of it after a while. Sick of being sick."
Click here to read the complete article.
For related information, click here.


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University life serves many ends, but an essential component of higher education is to prepare students to better understand themselves, others and the increasingly complex world around them. Undergraduate education in particular has the goal of helping students become, in time, their own best teachers. At Montana State University, the University Honors Program addresses this goal by providing academically motivated students with unique opportunities to undertake interdisciplinary course work and undergraduate research leading to a university honors degree. Such studies, in addition to courses within their chosen discipline, provide extraordinary preparation for professional and technical careers, or graduate and advanced studies.
Entering students have the opportunity to undertake innovative studies during their freshman year. Texts and Critics: Knowledge and Imagination are both semester-long seminars that address fundamental issues in the humanities, social sciences, natural sciences, and the fine arts through critical reading and analysis of seminal texts which serve as a foundation for advanced studies in major disciplinary fields. Instructed by faculty representing every college at the University, Texts and Critics earns University Seminar and Inquiry-Humanities core credits. In addition, the Honors Program annually offers a variety of upper-division interdisciplinary seminars. These seminars employ Socratic methodology through which faculty and students engage in critical discussion of issues spanning a diverse range of academic interests. Such engagement also fosters the development of analytic and critical communication skills. These seminars, typically taught by the most respected and stimulating professors on campus, carry university core credit in all core designation categories.
Special Honors sections of departmental courses in Chemistry, Physics, Math, Music, English, Biology, Sociology, Spanish and Economics are also offered. Limited enrollment in seminars and classes permits lively discussion and interactive study among faculty and students.
Great Expeditions is an annual Honors course that involves two-weeks of international travel following a semester of study pertinent to the expedition theme. After travel is completed, students present a public symposium highlighting the results of their journey.
Mentoring Gifted Students , a service-learning course, enables students to work with gifted and talented students in public schools.
Additional opportunities for independent study are available through Honors contracts, which are offered primarily at the upper-division level. Contracts often prepare students to accept the special challenges and benefits of an Honors thesis. Upper-class students may also qualify to undertake supervised tutorial study.
Honors students have been remarkably successful in earning other scholarships for further study, both in the United States and abroad. Special attention is given to preparation for professional and graduate schools. Extracurricular, outdoor, and social activities are an important feature of the daily life of the program.
Enrollment in University Honors Program courses is restricted to students officially admitted to the program. Admission is normally limited to students in the upper ten percent of their high school class and who have high ACT or SAT scores, or to those already enrolled in the University who have demonstrated academic achievement and personal initiative.
To maintain good standing in the program, students must demonstrate significant and continuing progress toward their specific degree in addition to satisfying the particular standards of Honors course work or research. Graduation in the program requires the accumulation of a specific number of Honors credits as determined by the category of Honors degree the student pursues. All such credits may be acquired through successful completion of Honors courses; a minimum 3.5 overall grade-point average; and one-year (or its equivalent) of a foreign language. To graduate with Highest Distinction, a thesis and a minimum cumulative 3.7 GPA are required. Students with energy, self-reliance, and imagination should discuss their interest with the Director.
For details about admission and graduation requirements, contact the University Honors Program Office by calling 406-994-4110, or by sending an e-mail to firstname.lastname@example.com. In addition, we encourage you to visit the Honors website at www.montana.edu/honors.


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This Web site was designed using Web standards.
Learn more about the benefits of standardized design.
The BHS SADD September Student of the Month is junior Taylor L. Taylor's favorite color is green and her mom's mini meatloaf is what she likes to eat. Her best classes are "anything sports related" and when asked if she could teach a class which one it would be, Taylor replied, "…physical education because it's better than sitting around in a classroom" Taylor has been involved in several activities and clubs at BHS. She is currently on the Lady Aces volleyball team and also participates in basketball, track, SADD, FCA, & Stuco. During her free time she likes to play sports, hang . . . read more
The Bucklin cross country team competed at Montezuma, on Saturday, September 13, 2014. Zabien Marquez and Gabe Ellis ran one mile in the junior high boys division. Gabe ran a 6:42.78 for 14th place. Zabien ran an 8:09 and placed 31st. Cameron Birney ran and medaled in the high school JV race placing 10th. Cameron's time was 22:03. The next XC meet will be at Hugoton on Saturday, September 20. read more
The Bucklin High School Student Against Destructive Decisions (SADD) chapter in conjunction with the Paige Estes Memorial Foundation hosted a tailgate party September 5th, prior to the Bucklin vs Satanta high school football game. The tailgate party was held at the football field. Members of the SADD chapter served hamburgers, hotdogs, brats, macaroni salad, baked beans chips, and cookies. Several football fans from both Bucklin and Satanta attended. The Bucklin SADD chapter would like to thank everyone who gave a donation and supported . . . read more
Contact Information
Words To The School Song
4:00pm to 8:00pm
Bucklin Cafeteria
7:00pm to 9:00pm
Carlin Field
9:00am to 11:00am
Early Dismissal - School Dismissed @ 12:00 p.m.
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Where to Shop
Goodwill Shopping Tips
Our retail stores serve as the connection between your donations and Goodwill's job training and employment programs.
With every purchase, you are supporting these programs and helping someone in the community achieve self-sufficiency through work.
Every trip to a Goodwill store is like taking another new shopping adventure - you never know what great finds you will discover! Everything you need for the entire family - designer clothing, casual wear, books, linens, housewares, electronics, games, shoes, toys, furniture - is all under one roof and priced to sell.
The majority of the merchandise at Goodwill is acquired through donations; therefore, our inventory is constantly being refreshed, providing a unique shopping experience.
Goodwill now operates two convenient Outlet Stores - one in Richmond and one in Hampton!
You can discover bargains by the pound at the Goodwill Outlet! Clothing, housewares, books, toys, electronics and more are available for as low as $0.59 per pound.
The Outlet is filled with thousands of selections, as fresh merchandise is rotated into the store regularly throughout the day. This bargain hunters dream is perfect for parents, teachers, and folks with a little creativity!
Goodwill offers yet another great way to find great bargains with four live, public auctions each week. They are fast and furious, with auctioneer Doug Sinclair, CAI, AARE (VAAR #3470) of Sinclair & Associates, Inc.
Thousands of different items, donated by the local community, are available at each auction, including housewares, electrical items, furniture, toys, books and much more! In addition, Goodwill hosts a live Auto Auction on the first Wednesday evening of each month!
For more information on Goodwill's Auctions, click here.