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Daily Links: Safe Banks, Pets, and Financial Literacy
Published on - July 26th, 2008 (Modified on - December 12th, 2011) (by J.D. Roth)
"Are we a nation of financial illiterates?" asks Stephen J. Dubner over at the Freakonomics blog. Yes, he answers. And no. High school students are getting more economics education than ever before, yet their basic personal finance competency is dropping.
Dubner interviewed Annamaria Lusardi, a professor of economics at Dartmouth, about financial literacy. It's an interesting conversation, but I think she misses the boat. What she believes are the important things for kids to know are meaningless to those who don't understand the basics of personal finance. It's the same dry stuff that turns people off from financial education already.
What would you teach high schoolers about financial literacy?
Meanwhile, Free Money Finance writes that his real estate agent has never met sane people before. "I had a conversation with our realtor," he writes. "I told her that we were looking for a good house at a fair price (she agreed that our first offer was more than fair given the current market) and she said she just didn't understand that. She told us that her other clients simply 'found homes they loved' and 'would pay whatever it took to get into them.'" This is a great post.
"You must not have any pets," somebody wrote to me recently. "You never write about them." I have four cats, and would have more if Kris would let me. (Just call me the crazy cat man.) But because of either chance or adept "parenting", they've never cost us too much money. Not everyone is so lucky. Andrea at Queercents takes a look at reducing pet costs, especially medical expenses. She provides an overview of various programs (such as pet insurance and preventative care) that can help reduce the cost of keeping your animals.
Finally, Bankrate has published their Safe & Sound ratings, which offer a quick way to determine the relative financial strength of your bank. Bank failures are uncommon in the United States, but with a couple of recent high-profile examples, people are worried. Safe & Sound offers depositors a chance to get some idea whether their bank is on solid ground. (Note: this tool seems of dubious use to me. What do you think?)
This article is about Spare Change
I think personal finance is best learned by doing. I'd have high schoolers research their post-college income based on the job they want, and then create a budget that includes taxes, student loan payments, food, car payments, gas, credit card payments, insurance, rent, utilities etc. I'd have them play around with that budget, adding and subtracting payments to get an idea of what their financial life might be like depending on the choices they make.
I'd also have them:
-Track their current spending
-Make short-term and long-term financial goals
-Fill out sample financial aid requests
-Research vehicle costs
-Make a grocery budget
They'd also learn about:
-Credit cards!!
-Retirement plan basics
-Basics of stocks, bonds and index funds
-Rent agreements
-The power of compounding
-Benefits (health insurance, vacation time)
-And more about credit cards!!
Here's some commentary about those ratings.
In regards to Bankrate's new tool, I pulled the rankings of two local credit unions and the ratings seemed contrary. One had a Bankrate of 4 stars but had a safe and sound rating of 2. The other credit union was the flip. I would think that they would be in line.
In reference to Bankrate's tool; I do not think it's dubious at all. It would have been of great help to those of us affected by Netbank's closing (or any of the other institutions that have closed lately.) Is this the only indicator people should use? No, clearly not, but it provides a good baseline to start.
We need to teach high school kids something about personal finance. There are so many kids getting out in the world that have no clue how money works.
disclosure: I am a banker, and my bank is listed as a five star bank. My job consists of making sure that we don't ever have to worry about being closed down by regulators.
JD- The bankrate tool is actually quite good at assessing risk. Bankrate gleans numbers from the financial institution's quarterly "State of Condition" filing with their respective examining agency (OCC, OTS, FDIC, FED, NCUA) to assess capitalization, real estate owned, etc. to give a genuine level of risk. They calculate this risk the same way that the feds do- looking at asset capitalization percentage, which is basically a fancy way of saying "how much cash do they actually have that could be used for depositor demand?" Anything less than 6% becomes troubling for regulators, and good banks usually have 8% or more. All the banks that have closed have had extremely low or even negative asset capitalization.
So basically, the bankrate tool is really good. It's the same kind of thing that the feds will use as a basis for whether or not to close a bank.
Sorry, J.D. My dad is the crazy cat man. He has seven cats, although only one stays indoors. The others are outdoor cats who sleep in the greenhouse, which has been converted into a kitty condo of sorts.
He didn't go looking for all of these pets, but we're a family of suckers for stray animals.
I would teach high school age kids about spending less than you earn, compound interest, explore actual costs of living and risk and return in investing. Then I would teach them where to find good information.
Right on, JD. I'm an economics student (will graduate in May), and there's a HUGE difference between economics literacy and personal finance literacy. I was literate in personal finance before I even went to college. I learned economics in classes and on my own, and I learned very little in my study of economics that was pertinent to basic personal finance from a low-level, How-To, day-to-day PoV.
I learned personal finance from my mom and from my boss.
Yeah, you can see how the higher level concepts apply to the day-to-day stuff once you begin to think like an economist, but such knowledge is not necessary to be successful at managing one's finances. It's also helpful to make informed political choices (like the stupidity that was Hillary's plan for a gas tax hiatus).
Conflating the ideas of financial and economics literacy is dangerous and ignorant. And quite frankly, sad:
(While "economics" is of course not the same as "personal finance" or "financial literacy," let's for the time being pretend that most economics courses give students a rudimentary understanding of personal finance.)
Sounds like Dubner, despite being the journalist who co-wrote Freakonomics, has never taken a college-level economics class — Econ I and II, which is what most kids will take if they take any econ at all — these classes teach nothing about personal finance, IME.
In economics, we spend quite a bit of time dealing with the concept of choice, especially informed choice. It's rather stupid actually. Most people will not make any decision at all if the choices are too numerous, in which case choice is a bad thing. (How many people do not contribute to a 401k simply because of the complexity in choosing which option to use?)
This is one of the reasons Apple is wildly successful: their product lineup doesn't have 1001 options. Your ability to customize is limited, and baseline models are usually adequate for a normal person's usage. That makes it very easy to choose.
When I was in pharmacy school, I longed to teach a personal finance class. Most of the kids I went to school with thought that making $100K/year your first year out meant you were rich. It was sad, really. I wanted to teach a class to teach them how to be rich. We took a class on how to manage your own pharmacy, and how third-party reimbursement worked, but we never did anything with personal finance.
Finally, Bankrate has published their Safe & Sound ratings, which offer a quick way to determine the relative financial strength of your bank. Bank failures are uncommon in the United States, but with a couple of recent high-profile examples, people are worried. Safe & Sound offers depositors a chance to get some idea whether their bank is on solid ground. (Note: this tool seems of dubious use to me. What do you think?)
It's a gimmick, albeit an interesting one. For most, their banking is protected by the FDIC, and a bank folding is mostly a non-event. (According to someone I know whose bank folded.)
I think they should talk more about finance and the 'real world' in school. It could be a real benefit to many children.
That could be a great idea for me one day when I am older. To create a wealth course for high school students
Questions like this would be great for school kids:
If you have a credit card with an APR of 19%, a balance of £1000 and you pay the minimum payment of 4% each month, how much interest will you pay in the first year?
Extra credit for determining the total interest paid over the lifetime of the credit card assuming you continue to pay the minimum payment.
This would be more practical but just as beneficial as learning calculus!
I like her list, but not at the "101″ level.
My one-word list:
1. Consequences – "Van Down By The River!"
2. Budgeting – zero based, pay yourself first
3. Frugality – yes it exists, wants vs. needs
4. Interest – consumer side, investing side
5. Careers – relative earnings, cost of .edu
Joel, while I don't question the validity of what the tool is showing a consumer, I just don't see the value of such a tool for the consumer. They'd be better of spending their time learning about personal finance than worrying over whether their bank is going to collapse tomorrow.
For most people's use, one bank is the same as the next, if things like fees and interest rates are equal.
I agree with you. I think that the purpose of the bankrate tool was for consumers to know the safety of their bank. And while it isn't an issue for my generation (Z), you'd be surprised at the conversations I've had with some of our 80 year old customers who are genuinely concerned that their $500,000.00 CD is going to go belly up, just like their parents did during the 1930′s. And when I try to steer them elsewhere with their money, they are much more likely to address safety than rate of return. At my bank, we have received about 2 million dollars total from all of 8 customers in the last week who are genuinely concerned that the bank down the street (a much much bigger regional bank) is going to be going the way of the dinosaur in the near future.
But yes, when I personally shop for a bank, the first thing I think of are rates and fees, mostly because I don't have near 100,000 in my account and because I know that even if the bank does go belly up that I won't be affected.
This would be more practical but just as beneficial as learning calculus!
Actually it would be more beneficial. There is little real world benefit to learning calculus for the vast majority of people going through their daily lives. There's a reason it wasn't invented until the 1600s. (Because we didn't need it.)
I don't think kids are going to listen to most personal finance advise because they don't have any money so why should they care? If I were teaching a class on it, the first day of class I'd offer a lot of extra credit to anyone that opened up high yield savings account or an IRA. Then I'd teach about compound interest and tax-free accounts and all that after they all have a reason to care. The kids that bothered setting up an account would be much more responsive when they heard how much money they could have if they just put $10 a month into that account.
Getting started is the hardest part of personal finance so I think the focus should be on getting people to start. Once you do that, most people will take that momentum and actually learn this stuff themselves.
I agree with you completely. My wife and I both care about personal finance because we don't want to become like some in our family who have declared bankrupcy and are always hurting financially. I graduated from HS 5 years ago and I did learn advanced placement physics, but I didn't know how to balance a checkbook until I cared enough to seek out the information. This is a huge problem.
Compare that to a friend of mine who asked me last week (because I'm good with money, according to him) if it was a good idea to empty his 401k to put a downpayment on a car (he has one that's perfectly good). He wanted a car that was faster. He's a year older than me.
I worry about my generation.
I think the answer to teaching personal finances to high school students exists, though it's not where most people look: it is available in "alternative education" or "adult education" centers…
I am a high school drop out (on my own since i was 17) and when i went back at 19 to get my HS diploma, the 'economics' course was based largely around personal finances… It included everything from balancing a check book, 401k, compound interest, credit cards, grocery shopping and unit price, budgeting, how to file a basic tax return, etc. (interesting note- when i took civics, they taught about how local taxes were used, what local officials did, and why it REALLY matters to vote, especially in local elections…)
Compared to the economics class I had at the regular high school (which was at a great school in Southern California) which basically taught me _nothing_, it was completely relevant to my situation and taught me a great deal….
it's too bad you have to be a "bad" kid to get quality education like that… I'm now 28, have graduated from college (which i budgeted so no student loans), paid off my car, purchased a house (with 20% down!) and live debt free and below my means… in large part because of the lessons i learned in a very simple economics class designed for HS drop-outs…
I do think we are financially illiterate – although the next generation may be getting a better education on finances. I grew up with parents who were P.A.s and worked in the business posting accounts from the age of 10 on up. As an adult I've worked for several entrepeneurs who were so clueless I just couldn't believe it. Imagine me (and I actually never graduated high school – took my GED) having to carefully explain to a 50 year old "businessman" that if you don't pay your suppliers they don't send you any more merchandise – and then you'll lose the nice new customers who were coming in to buy that line of merchandise (collectors in this case), and if you take something on commission you have to contact the owner when you sell it and give them their part. I very much doubt he could do a bank reconcilliation – nor did he see any reason to do so. He had been born into wealth – but by the time he died, he left his kids with nothing but debt. That's really sad considering his Dad built that wealth in one generation.
Speaking of banks – I was living in Oklahoma in the 1980s when we closed 77 banks in one year. I don't know about big depositors, but a friend of mine who had saved all his life for college got 10 cents on the dollar for his savings – several years after the bank closed. So I can see the need for something like Bankrate's Safe & Sound ratings. Myself – it's the Old South in me – I don't put all my money into any one bank or institution.
What I'd like my kids to know about personal finance when they graduate HS:
– What categories should go in a budget
– How to figure out "what you can afford"?
– Dealing with peer/ad pressure to spend
– The reasons to track money
– How interest works, both for savings/investments and for debt
– The tradeoffs between guaranteed rates of return (savings, CDs, treasuries) and investment/speculations (stock market, etc).
– How bank accounts, checking accounts, credit cards, and debit cards work, how to use them well, and how to avoid mistakes that cost money.
– What is a mortgage? What does it mean to own a house? What are the tradeoffs between owning and renting?
– Choices for paying for school
– Job vs. starting a business: pros and cons
– What kinds of careers are high-paying?
– Even you will get old or might want to stop working for pay someday. How to save for the very long term.
I know that I didn't learn anything about personal finance in high school. When I started college, I was horrible at managing my finances. It took a lot of overdraft fees for me to start learning how to manage my finances.
I'd teach them a philosophy of money before dealing with the nuts and bolts. Which would be intended to teach them a way of thinking about money which would make them want to save and invest. Chiefly–
The main goal of TV advertisers is to teach you a gigantic lie– that the world is a friendly place which is to be trusted.
The world is not to be trusted, and savings and investments are castles, moats and bulwarks.
Money works differently at different levels.
If you try it and practice it, you can learn to control your lifestyle, be just as happy short-term spending far less, and be more happy long-term by becoming the owner of companies.


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The Department of German and Romance Languages and Literatures offers majors of study in the languages, cultures and literatures of France, Germany, Italy, Latin America, Portugal and Spain, in addition to offering minor concentration in French Literature, French Cultural Studies, German, Italian, Spanish Language and Hispanic Culture, and Spanish for the Professions. To major in romance languages, students have the option of mastering two or three languages of their choosing, with all courses taught in the target language. The department has approved study abroad programs and internship programs, even offering department scholarships to a few.
A complete list of majors offered by the department includes:
In the literature-based majors, students begin by mastering the target language and then move on to cultural and artistic studies. Highly qualified German majors may also pursue the German B.A. / M.A. degree or German Honors program options.
Very few undergraduate romance language graduates ever get a job directly related to the field, but the skills they develop as language students provide a solid background for other fields, including social services, journalism, healthcare, law enforcement, business and teaching.
Some of these skills include:
Many undergraduates pair their Romance Language and Literature major with another area of study such as International Studies, Political Science or Public Health to maximize their marketability in the job market.
Foreign language skills are an asset in any job market, particularly when paired with study abroad experience and expertise in another discipline. Some of the careers pursued by undergraduates include:
A degree in romance languages and literature provides an excellent academic foundation for the career of your choosing, but academics are only one component. Students interested in working in foreign languages and cultures should study and/or intern abroad and read international newspapers and magazines to stay culturally and politically relevant. Participation in relevant cultural activities and organizations is also important, both to practice language skills and expand your knowledge base.
Study of foreign languages is even more marketable when combined with mastery of another academic discipline in which the foreign language is applicable. For this reason, many undergraduates double major or minor in other fields such as political science, history, psychology, sociology, anthropology, public health, international studies, business, engineering or one of the sciences. In that case, students should also seek internships and extra-curricular activities in those fields as well, whether in preparation for the job market or admission to law, business or medical school.
Hopkins German and Romance Language alumni go into a variety of career fields. Since 2003 the Career Center has surveyed recent graduates about their academic and career plans 6 months after graduation. Here is a summary of their responses:
Hopkins Alumni in Romance Languages
Networking with alumni and other professionals who work in these fields can help you learn very specific information about a career field. Use Johns Hopkins Connect to contact alumni to ask for their advice. You may also find professional contacts through professional associations, faculty, friends and family.
For more information on what you can do with a Romance Language Major go to What can I do with a major in a Foreign Language.
Want to know more? Read our Hopkins Career Profiles on Journalism, Publishing, Public Relations, Teaching, Public Policy, and Marketing.
If you would like to talk about how your search is going, we invite you to make an appointment with a Career Counselor by calling 410-516-8056.
LinkedIn.com - a professional networking site where you can identify Hopkins alumni. Join the LinkedIn Johns Hopkins University Alumni Group to add over 4000+ alumni to your network.
The Career Center is here to help you navigate the graduate school search process. Click here for guidelines and preparing for Graduate School and Professional School.
For information on the specific programs, the best people to talk to are the experts in your field you wish to study, faculty members and graduate students in that specific discipline. We strongly encourage you to talk with your advisor and other faculty members with whom you have a good working relationship. This will also help when you request letters of recommendation. The Career Center has a handout to guide you in asking for letters of recommendation.
The honors societies for romance languages and literature include:

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Follow Kip Cullers, a Purdy, Mo., farmer known for his bin-busting soybean yields, Farm Journal Field Agronomist Ken Ferrie and Farm Journal Machinery Editor Margy Fischer as they travel to Brazil to learn more about the country's soybean production.
During the rainy season in Brazil, the main growing season, it will rain every day. Even with 2" of rain, harvesting may take a short break, but then it will be full force again.
Ken Ferrie says some of the things he's seen during his trip through the country impressed him with the Brazilian farmer's endurance and creativity. This includes cover crops to fight nematode pressures and trucks outfitted with kitchens to outlast the 30- to 40-hour waits at the elevator.
Learn more in this audio report:


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We are well into the second week of the 2012 Paralympics in London. Though the Paralympics are so named because they take place alongside, or parallel to, the Olympic Games, they don't receive parallel media coverage. Which is a shame, because it means that many incredible moments are not seen by the majority of sports fans. Basic cable subscribers here in the States only get 5 hours and 30 minutes of Paralympic coverage: four one-hour highlight shows and one 90-minute recap show, all on the NBC Sports Network during dinner time. Eight-time medalist Tatyana McFadden celebrates her second gold medal of the London games. (AFP PHOTO/GLYN KIRKGLYN) So, for example, you may not have seen any 5-a-side football matches. 5-a-side football is soccer without sight. Blind and visually impaired players compete on a short field, using a ball with a noise-making device. Here are the defending 5-a-side gold medalists from Brazil in action in a blowout win over Turkey: - This year's P...
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Trending: Mushroom Tea Towels!
Product Roundup
Looking for a little fun(gi) in the kitchen? Before I get carried away with the mushroom puns, allow me to sum up the morel of the story (sorry, sorry!): these five mushroom-themed tea towels are charming, and pretty enough to frame or give as a hostess gift. Definitely wishlisted.
• 1 Tea Towel Mushroom in Peat, $17.70 from Skinny Laminx
• 2 Mushroom Kitchen Towel, €24 from Fine LIttle Day
• 3 Mushroom Forest Tea Towel, $28 from Makelike
• 4 Morels Tea Towel, $19 from Leif
• 5 Mushroom Tea Towel, $16 from Claudia Pearson
Related: In Praise of the Button Mushroom
(Images: as linked)
3 Comments
I love the tea towels but I love the saucepan even more - very Swedish looking. Can you share where it's from?
@LRWS it's a Dansk Kobenstyle fondue pan, http://www.etsy.com/listing/103192217/dansk-kobenstyle-enamelware-yellow
Looking up Kobenstyle on Etsy can be dangerous if you just got paid, though, so be careful.
Of course! And after first seeing this I went straight to Etsy and searched "vintage enamel saucepans" and two sunshine yellow Dansk butter Warner's popped up!


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Birches E-2
The four bedroom unit is bright and airy with a queen bed in both the master and second bedrooms, two sets of bunks in the third and a full in the loft. This condo is available for short and long term summer rentals only.
Bedrooms: 4
Bathrooms: 2.5
Sleeps: 10 people
Slopeside? Yes


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Health Issues With Tattooing (Mike Rubendall)
By Petri Aspvik
Petri Aspvik: What type of physical problem have you encountered due to tattooing?
Mike Rubendall: Before I was physically active and aware of what being in good health was, I had major back and neck pain. It seems to be a common problem amongst tattooers due to poor posture and long hours of tattooing throughout the years.
Have you had to see a doctor, chiropractor, masseuse therapist, acupuncturist or anything similar because of problems or because you want to avoid them?
I would regularly see a massage and physical therapist. They have been helpful for me for the most part. However, I feel maintaining a healthy diet and exercise is a more effective method to avoid any type of chronic pain caused by tattooing… (more…)
Health Issues With Tattooing (Nick Baxter)
Petri Aspvik: What type of physical problems have you encountered due to tattooing?
Nick Baxter: Obviously tattooing can put strain on your fingers, hands, wrists, forearms, elbows, shoulders, neck, spine and lower back. In broader terms, all of these body parts are connected, like a series of stops on a train. The physical action of sitting and extending your arms, making small, repetitive hand motions over long periods of time puts stress on the body that just goes down the continuous line of interconnected body parts. I deal with pain, strain, and discomfort in all of these areas on a regular basis… (more…)
Health Issues With Tattooing (Jesse Smith)
Petri Aspvik: What type of physical problems have you encountered due to tattooing?
Jesse Smith: I've definitely had a few issues with carpal tunnel here and there. As well as a few nerve issues in my shoulders and arms. I've also noticed that my hearing has suffered because of the constant buzzing over the years… (more…)


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Personal Training
Guadalupe Regional Wellness Center offers a variety of personal training modalities for its members. Our fitness floor staff are degreed exercise physiologists, certified personal trainers, or both. Your personal training sessions are designed specifically for you, based upon your personal fitness needs, goals and physical abilities. Personal training can address many facets of your overall fitness goals — sport-specific, flexibility, run training, swimming lessons, strength training, toning, or improving quality of life.
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I bought this to go inside the organizer kit and have a variety of color to choose from. When I open the organizer, the floss is secured inside and so easy just to find exactly what I am looking for. Good quality and love having three colors on one skeen to choose from. Great price and love the options!
I like the colors and they are all three in the same color hue.
Great product and service will buy from you again.


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TREASURE COAST -- The National Navy SEAL Museum announces its inaugural Navy SEAL Museum Golf Tournament Luncheon, Auction and Action on April 21 at the Moorings Club in Vero Beach.
The funds raised by the event will benefit the National Navy SEAL Museum in Fort Pierce and Trident House in Sebastian, which serves as a healing place for our wounded warriors and a retreat for families of both active and fallen SEALs.
"We have packed plenty into this event to make our first charity Golf Tourney both fun and well attended," said Tom Juliano, event chairman. "There will be chipping, putting, long drive and hole-in-one contests. We'll have great prizes, a raffle, an auction and time to interact with some of our Navy SEALs. This is your opportunity to learn more about the intrigue and stealth of America's most extraordinary and elite fighting men."
This event honors the sacrifices of the Navy SEAL community. Tickets are $200 per person and include lunch, prizes and an auction. Tickets to just the luncheon and the auction are $35.
The mission of the National Navy SEAL Museum is to preserve the history of the U.S. Navy SEALs and their predecessors, including the Underwater Demolition Teams, Naval Combat Demolition Units, Office of Strategic Services Maritime Units and Amphibious Scouts and Raiders. Located in Fort Pierce, the birthplace of the Navy Frogman, the museum promotes public education by providing the opportunity to explore the history of the U.S. Navy SEALs in an atmosphere of respect and honor.
Also benefitting from the golf tournament is The National Navy SEAL Museum Trident House, a waterfront residence located along the Indian River in Sebastian. This home is dedicated to those families of U.S. Navy SEALs who have sacrificed their lives in the line of duty. It also serves those U.S. Navy SEALs and their families who are injured and battle fatigued. The Trident House provides a peaceful and a restful setting for families during their stay.
The National Navy SEAL museum is a nonprofit organization and receives no federal funding. For more information or to purchase tickets, visit www.navysealevents.org or www.navysealmuseum.com, call Tom Juliano at (772) 696-2009 or email email@example.com.
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text: Washington Police arrested a Virginia man Monday for Operating a Vehicle While Intoxicated, Operating While Intoxicated Endangering a Person, and Possession of a Schedule 4 Controlled Substance. 36-year-old Jody Lee Toler of Christiansburg, Virginia is being held under $6,500 bond in the Daviess County Security Center. Washington Police arrested a Washington woman Monday on a warrant for Failure to Appear in Court on charges of Theft, Possession of a Controlled Substance, Possession of Methamphetamine, Possession of Chemical Reagents or Precursors with Intent to Manufacture a Controlled Substance, Receiving Stolen Property, Possession of Paraphernalia and Forgery. 27-year-old Brandi Robin Lottes was also arrested on a warrant for a petition to revoke a suspended sentence for Possession of Methamphetamine and Possession of a Controlled Substance. Bond was set at $5,000.


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SPOKANE--Students at Wilson Elementary School are rallying around their teacher who was recently diagnosed with cancer.
Over the last 26 years, Lisa Miles-Conrad has spent a lot of class time with 6 graders, but this year, a major life event snapped their connection into crystal clear focus. Lisa was diagnosed with breast cancer February 29th.
Back at Wilson, students and staff were busy forming a framework of support. They all were dressed in pink to welcome Mrs. Conrad back.
It's all in support of what students call "Project Pink." It was dreamed up by a core group of sixth grade girls who wanted to show Mrs. Conrad they care.
They decided on "Project Pink" to raise money in the fight against breast cancer. With help from their principal, they came up with Gum Day, where a donation gets you a piece of gum and a free pass to actually chew it at school. Another donation earned students the right to don a hat; not normally part of the dress code. There are also Pink Days where everyone in the school wears pink.
Now Mrs. Conrad is cancer free. She says she feels good and that she not only has her health, she also has a new appreciation for how much she is appreciated.


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Hi, Chaos Crew! Good Monday Morning. Yes, a post featuring milk that will not touch on chocolate milk in schools. Remember, I ceded on that issue. You win, white milk advocates. Think of this post as "reaching across the aisle"– because I know our public schools need funds and that the Chaos Crew is filled with excellent school volunteers who can organize a fund drive.
In the spirit of solidarity, I wanted to let California parents know about a terrific school fundraising program going on now thanks to Real California Milk. Real California Milk is supporting California schools by launching the Real Seal Appeal program and awarding California schools with up to $2 million in cash, books and prizes. It's a win-win for California families , because the Real Seal Appeal program supports both the 1620 California dairy families and California schools. Can I get a "Moo?"
School districts participating include Pasadena Unified and Los Angeles Unified, so listen up locals!
- Serve up some California milk, butter, ice cream, yogurt and nonfat dry that features the Real California Milk seal
- Collect Real California Milk seals from milk and dairy products and turn them in to teachers at participating schools
- Each seal acts as a sweepstakes entry – the more seals collected and turned in, the more chances your child's classroom (and school) has to win.
- Real California Milk will dole out 2 million dollars in cash and books (in conjunction with Scholastic.)
This is a great, easy fund-raising opportunity for schools, with top prizes being $20,000, $10,000 and $5,000 for three schools each – and 2,595 other schools will be awarded $500. Can I get another "Moo?"
So rally your classmates, neighbors, church groups, Girl Scout Troops, soccer teams and start collecting those Real Seals. It's a great cause, but seriously, does anyone really need a reason to eat more cheese? I think not.
Need more information? Want to use all the tools available for getting your community together to Moo for Moolah? Here's are the links you need:
For more information and details , click here for RealCaliforniaMilk.com
Scholastic created a hub page for parents/teachers/schools. Here's the link to that page.
Get on the Twitter with hastag #CASealAppeal and @RealCalifMIlk
Connect on Facebook at Facebook.com/realcaliforniamilk
Embracing my chaos, Lian


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In what has been a great year for vintage styled rock can roll, we keep adding to the list of releases taking us back in time to the days when rock and roll still had a raw and youthful energy behind it. In the years that have followed, the genre twisted itself into something different, a corporate-sponsored mash-up of music that usually has about as much attitude behind it as the most generic pop song. Rock and roll is as much an image as it is music, mostly conforming to a neat little box everyone is afraid to step outside of, for fear of alienating fans.
It annoys me when rock and metal fans use the word 'pop' as an insult, acerbically spitting the words through snarled lips. It's meant to be an insult, but it misses the mark, and instead of branding the music as heretical to the cause, shows that it's the 'fans' in question who deserve the harsh treatment. I often cite the adage "there's nothing better than a three minute pop song", and for good reason; it's true. No matter what style of music you're a fan of, there's something comforting and enjoyable about hearing music that wants you to enjoy it.
Sometimes all we want is for an album to come along and kick our ass. That is, in essence, what heavy metal has always been about, at least since the bands that were initially spawned from the days of Black Sabbath came to life. You didn't need to have artistic sensibilities to listen, nor did you need any sense of nuance. Metal was the music that was heard and heavy, the soundtrack to a party in Hell.
There's something to be said for bands taking grand risks. It may be comfortable to pump out album after album of songs that are slight derivations and deviations of the norm, but those can't always satisfy the creative yearning to do something daringly unique, to embrace the spirit of art in a way that popular music doesn't often accept. Not all of these endeavors turn out well, but there's something intriguing about hearing music that's completely unexpected, that turns expectations on end, and delivers an experience no one could have seen coming.
There are times in a band's career when they need a shock to the system. For whatever reason, they get stuck in a rut and lose the spark that made them what they were. Fans can hear it, and when that happens, the critics begin to grow louder. Each album becomes less beloved than the one before it, there's more talk about their prime being over, and anticipation for the future begins to wane. When this happens, there aren't many things that can be done to return a band to their former glory.
When you think of women in rock, the number of names that come to mind is small. When you think of women in metal, that number shrinks further. And when you think of women in metal who have been able to survive for twenty five years, one name comes to mind; Doro. For a quarter century, Doro has been defying stereotypes and putting out old-school metal that never fails to recall the days when the star of heavy metal burned brightest. Time may not have been the kindest to the style of music Doro has always stood for, but it has been kind to her.
Some albums are destined to be bittersweet. No matter the result of the creative work put in, the surrounding events necessitate that the music will never be the full story. Those are albums that will always carry a label with them, the proverbial asterisk that they must wear like a scarlet letter. It's unfair to burden a work with the happenstance it emerged from, but it's something we can't help but do, and it's not something we're liable to change.
Both as a fan of music, and someone who dabbles in it, I'm a big fan of the vintage revolution that has taken hold in large swaths of the rock and metal world. There's something about stripped-down, simplified, authentic music that is appealing on a level no amount of modern flash can replicate. As more and more bands find new ways to combine computerized sounds with nearly inhuman displays of fretboard acrobatics, the old-school approach of building a song out of a riff and then playing it as a band holds more and more power.
One of the supposed glories about the old days of being a music fan was taking a trip to the local music store, rifling through piles of albums until you found the one you wanted, and then coming home with your new acquisition and letting yourself be encapsulated by the physical experience. Holding an album in your hands is different than clicking a download button, seeing the stacks of records on a shelf isn't the same as looking at a playlist, nor is nostalgia a replacement for the fact that reality has changed.
Geoff Tate's second solo album arrives at a time that long seemed impossible. The erstwhile leader of Queensrÿche, his voice was more than synonymous with the band's legacy. To think of Queensrÿche without Tate was absurd, because no band could survive losing not only its public face, but also the member most responsible for shaping the trajectory of their career. To lose Tate, it would be assumed, would be to commit career suicide. And yet, as we have seen countless times before, life doesn't follow along with what common sense would dictate.
CC's back, Joe's confused, and we hope you enjoy the new sound!
A movie that has the crew conflicted.


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Arguments – they're part of life. We're all competitive beasts, never wanting to admit fault or defeat, and will go to great lengths when defending our honor when challenged or threatened. Arguments have started wars, shattered relationships, broken families, declared victors, but have also awarded respect. A win will always be a win, but longstanding respect and admitted defeat are far greater trophies than another tally mark on a record sheet somewhere. That's where our story begins for this group of alcohol swigging, loud mouthed master-debaters (had to make that joke once, c'mon!), connected by our love of whiskey, which is only overpowered by our love for all things pop culture – cinema, music, television, gaming, you name it. Inebriation and verbal assaulting, how could this go wrong?!
Needless to say, all we do now is argue about pop culture and hot topics of the day. Despite sounding like the grunts and groans of a pack of psychopaths, we decided to translate our debates into a readable affair. This means that every few weeks or so, we will be posting our thoughts on upcoming releases and pop culture in general. Since agreeing is for peace-loving hippies, our arguments will be broken up into two sides, and the winner is decided by the readers. Yes, our fates are in your hands!
Before we begin though, allow us to introduce ourselves.
Christian: A nearly retired cop with nothing left to lose, Christian turned to bath salts and cat urine to deal with losing three wives and up to seven stepchildren (they were gingers though, does that even count?). Although it is true that he is extremely opinionated, Christian only pushes his opinions on those he loves most (especially you, dear reader). Famous for his last stand at the Alamo and ability to produce children with a single look, this is a man who should by no means be considered harmless. Aside from devilish good looks and cologne that doesn't come in an aluminum can, his knowledge of everything pop-culture will leave wives crying for divorce and daughters breaking the locks their fathers rightfully installed on their chastity belts. Debating isn't exactly his strong suit, but he did once defeat a whole debate team using only the power of a flamethrower, so maybe that counts.
Gem: Gem has lived the secluded life of an academic, dedicated to a better understanding of critical analysis. Emerging from five years struggling to insert page numbers into Word, Gem indulged in the world of film to satiate her creative side – from which burst the need to obliterate those who do not agree with her inane, profane ranting. Her most critically acclaimed debate was executed at this year's Comic Con when she swayed a crowd of riotous nerds into agreeing that yes, a coat rack could defeat Wolverine. The opposition doesn't stand a chance.
Nato: Traveling back in time from a dystopian universe where pop culture debates are a game of life and death, Nato (formerly Natobombious Kick-Assious) continues to extend his unbeaten streak against the competition he now sees in three (barely) functioning alcoholics who devour useless entertainment factoids like the bottles of Jack taped to their hands. Matt can make a case for anything, but enjoys the new challenge of debate through writing, disabling his hypnotically enchanting "hair-flip" closing visual, typically bringing competition to their knees with one swiftly punctuated "swoosh." Who needs a closing argument when you have great hair? You're about to witness the great lengths he's willing to go and mighty stretches he's willing to make, abandoning all notions of self-respect just to deliver the most convincing arguments conceivable. A pop-culture chameleon, Nato can do it all. We promise we'll do our best to contain him, but it might be too late already…
Alex: Formed from the recovered DNA of Stephen A. Douglas, Ben Franklin, and Socrates, Alex is an unstoppable force in an argument. Basically every epic speech in every courtroom movie/TV show ever was copied verbatim from arguments Alex has made. If the world listened to his points on abortion, gay marriage, or America's healthcare system, all people would finally be in agreement. But why waste his talents on such minutia? It's the world of the media that sparks the fiercest debates, and thus his fiercest opinions. But just because he's such an eloquent debater in person doesn't mean that doesn't translate into his writing. Some argue the pen is mightier than the sword. Well Alex doesn't write with a pen, he uses a sword to slice paper into the words that crush those who disagree. Whoever opposes him ought to fear for not only their dignity, but their safety as well.
Today's Argument: Joker's Plan Vs. Bane's Plan
The Dark Knight and The Dark Knight Rises were two films featuring the most formidable of foes for the Caped Crusader. Both Joker and Bane had excellent plans to take over and destroy Gotham, but the question is: which one of the plans was better? That's what our experts are racking their brains to find out, so read on to see their thoughts!
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Matt: Joker
"It's simple, we kill the Batman!"
Is it that simple though? Numerous masked villains have tried over and over again on-screen, yet the Caped Crusader still lives to fight another day. Most recently, Talia Al Ghul and Bane tried to blow Gotham up with a devastating high-tech bomb, foiled once again by Bruce Wayne's tenacious ability to climb large walls and seemingly teleport from deserts to cities. But honestly, what a rubbish plan, resulting to a timer and suspense. It's all well and good, but too many holes were left open, and too much was left riding on the bomb's execution. If it were up to me, I'd prefer The Joker's maniacal plan from The Dark Knight over the botched work in The Dark Knight Rises, and don't worry, here's why.
Chaos. Unmitigated, unpredictable, uproarious
Which brings me to my next point, The Joker is a man to be feared by all. Knowing Gotham's seedy nature, The Joker strung together all the biggest and meanest ringleaders behind Gotham's biggest crime syndicates and presented a common goal: killing Batman. Get rid of the Bat and Gotham is theirs for the taking. Sure, Bane unleashes a prison full of inmates amongst the city, but those are unpredictable wild cards you can't really control. The Joker on the other hand singled out professionals, dirty dealers who knew how to stay off the radar yet still get the undesirable jobs done, and do them well. Sure, no criminal is to be trusted, but wouldn't you want the business type over a knife wielding drifter? But who would cross The Joker anyway, after performing numerous "magic tricks" which presented his very stern and focused approach. Either you're on board, or you're dead. At a psychopathic whim.
The Joker took to the streets of Gotham City as a new hobby, wanting Batman dead for shits and giggles. Why else would he burn all that money? It's not about the fame and fortune for him, but the sick, twisted desire to bring anarchy and shake the system, by any and every way possible. How do you track a mastermind who doesn't even know his own next move? All Batman really had to go on was dead body after dead body, Joker card by Joker card. Keep them guessing, right? That was The Joker's great, and most successful skill of all.
As far as Nolan's antagonists go, follow the funnyman if you want the best plan of attack against Gotham City.
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Gem: Joker
The Joker spins his own publicly-lauded psychosis to reflect the tyranny lurking beneath the surface of everyone. He constructs arresting diatribes about society's acceptance of criminals being executed and the thin line between hero and villain. He cripples Batman and Dent's psychologies and reveals in them both the choice to embody either.
His plan hatches from his sociological observations. He's out to destroy Gotham to prove a fucking point! His dislike of idealistic figures like Harvey Dent serve as a catalyst: his havoc is as he calls it, "a social experiment."
In contrast there's Bane's scheme. His plan has all the finesse and cunning of a Tyrannosaur crashing Justin Bieber's wedding dress fitting. Grandiose, brash and causing the shrieking poof and his acolytes to join in their terror and grow stronger, Bane's plan unites all of Gotham against one easily identifiable villain. Whereas The Joker chipped away at Batman's conscience and at Dent's sense of reasoning to destabilise the foundations of Gotham; Bane, along with the dead pet tarantula attached to his face had one simple, central idea: BIG BOMB. *yawn*
The Joker orchestrates an attack to rival Bane's BIG BOMB by subverting public figures of trust and moral fibre. A crumbling ethical code is far, far harder to re-establish than physical damage caused by an explosion. How can you re-invigorate loyalty toward your city's leader if you witness them behaving as irresponsibly as its criminals?
When Dent discovers his fiancée has been murdered he becomes what the Joker predicted and seeks torturous revenge. We, the audience realise The Joker was right. Dent, the white knight, was only one step away from madness. Such a possibility leaves Gotham hanging by a thread.
The Joker taunts Batman, Dent, members of law enforcement and local council by running rings around them. He storms in, a hair's breadth away only to escape moments later. He keeps control at all times. How does Bane, that lumbering dullard, deal with Gotham's dark knight? He banishes Batman to an impossible-to-escape prison. In another country.
His final prong of attack aboard the two ferries is personable with direct consequences for innocent members of the public and inmates from Arkham Asylum. The Joker puts the choice to live in their hands. His ferry stunt illuminates one eminent truth: a dark heart beats in not only the dark knight himself, but inside every person of Gotham. The Joker's plans for Gotham were never about mass devastation but for mass degradation of the city's soul.
Such a terrifying revelation would scar Gotham for far longer than Bane's plan.
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Christian: Bane
As celebrated as Batman is for his heroic deeds and unfortunate upbringing (sorry about your parents, Bats), it seems that many of his adversaries are quite capable of giving him quite a spanking and taking Gotham for a loop before he can even wake up for his midmorning tea and meditation. Even though The Dark Knight Trilogy took a more grim look at our hero, facing him with moral decisions that even Batman had trouble deciphering, it still had one key thing in common with the comics: Batman got his butt handed to him on a silver platter.
I mean, sure, the Joker came along and almost blew up some boats, killed Rachel, blah blah blah, but show the part in "The Dark Knight" when the Joker takes over all of Gotham City and freaking runs the place for an extended amount of time. Bane, the man who broke the Bat, is just more well-equipped for this type of job. It's one thing to be a little eccentric and have a few followers beat up on some people, but it's another to disassemble a plane midflight, blow up a football stadium (with precision timing), take over Gotham City, and also break Batman's back for good measure as well.
Plus Bane has intimidation coming out of his skin. If I saw him from miles away with a telescope, I would still wet myself knowing that he could be here any minute. As a professional terrorist, the man is just a better example of how to do a hostile takeover right the first time around. He goes from living in the sewers to walking the streets in his excessively large coat in a matter of days, while the Joker is probably still dangling from that wire at the end of "The Dark Knight."
So here's how Bane got his way: he cuts off Gotham from military access, refusing to share his toys with the government. He breaks Batman (seriously, this fact makes the whole argument valid) and then romps around his old city doing whatever he wants to just to spite the old hero. The fact that his followers are willing to die for him just because "they're expecting a body" when the plane crashes is a sign that you don't mess with this guy.
If we were debating who was the better, more twisted villain, this argument would be totally different. But for the man (or woman) most qualified to run Gotham, the award goes to Bane, simply because he is insane enough to get the job done. The Joker gets the consolation prize of happening to be the best villain in the world. Well played, gentlemen.
Click below to continue reading.Previous Next
Alex: Bane
While both plans were excellent and as villainous as they come, the Joker's plan simply doesn't hold a candle to Bane's for one main reason: the scale.
With the Joker's plan, the death would have been coming from two main boats of people, with Bane's all of Gotham was in danger. And with Bane, there was nothing the people of Gotham could do about it. Sure they could agree to follow the rules of the militaristic state without question or resistance, but that doesn't change the fact that they were all going to die when the bomb went off.
The rest of Joker's plan that didn't involve the boat didn't really involve all of Gotham either. Sure, people were terrified of who he was going to kill next, but it was usually important people dying. The day to day lives of normal citizens wasn't all that much worse off. The whole scheme was to mess with Batman, and it would all fall apart by Batman simply revealing his identity. Bane's plan was better off with Batman out of the picture, because he was trying to destroy every bit of Gotham, not just make some creepy videos and kill a few public officials.
The rest of the country took note of Bane's plan, not just Gotham. The president even commented on it, but there was simply nothing the army or the national guard could do. They make a false move, the bomb goes off, they invade, people die and the bomb goes off. It's a completely hopeless situation.
As much as The Dark Knight Rises talks about the worst situations being those where hope is still present, what is much worse than that is a totally hopeless situation where the feeling of hope is still remembered. There was no way the people of Gotham were going to survive that bomb, and they knew it, meaning they were just biding their time until death, with only a fool's hope that they would survive.
In The Dark Knight there was little doubt that the characters were going to make the right decision and not kill each other, and while that was going on the Joker was busy getting pummled by Batman. In The Dark Knight Rises, it wasn't up to the citizens, all they could do is speed up the process towards death. Batman was long gone (or so he should've been if Bane's scheme went according to plan) so there was no savior to swoop in and destroy the militaristic dictator who had taken control of the city.
It also wasn't just Bane that the people need to be afraid of, it was all his followers as well. With the Joker, his henchmen were simply that – henchmen, guns for hire. They were afraid of the Joker, and certainly didn't trust him. On the other hand, Bane's followers were fervent believers in the cause. They were willing to sacrifice whatever it took to make sure the fire would rise.
And rise it did. Bane's plan was way, way better for the destruction of Gotham City.
The arguments have been made! Now it's your turn, head to the comments section and weigh-in on which villain had the better plan.
And if you enjoyed our arguments, perhaps you're interested in some of our past ones, such as:
Twilight Battle! Team Edward Vs Team Jacob
Battle Brad Pitt! Aniston Vs JoliePrevious


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Where am I?
Dr. Rayhel
Elizabeth Rayhel, Ph.D., Chair and Associate Professor
I teach the second semester of general biology, cell and molecular biology, evolutionary biology and physiology/kinesiology. My initial research interests were associated with the endocrine and immune systems, however I've changed course in the last several years. I've had the opportunity to collaborate with Dr. Beth Newton, a statistician interested in interaction of prairie plants and their pollinating animal cohorts. I am also very interested in looking at the development of color patterns on butterfly wings. Butterfly wing coloration has implications in several fields of biology including larval development, evolution, animal behavior and ecology, but I am focused more on the pathways used by the pupal animals to generate the color patterns see on the adult wings. It turns out that many of the molecules and pathways used by invertebrates like butterflies give insight into similar pathways used by mammals.
Contact me:
AB313 | 314-889-1445 | email


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50a U.S. Code Rule - Transferred
Section, act June 29, 1948, ch. 719, § 4,62 Stat. 1100, relating to the utilization of surplus property by Federal Prisons Industries, Incorporated, is set out as a note under section 4122 of Title 18, Crimes and Criminal Procedure.
The table below lists the classification updates, since , for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
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LII has no control over and does not endorse any external Internet site that contains links to or references LII.


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Belarusian State Art Museum
This excellent state museum has been renovated and now includes a light-bathed extension out the back that features local art from the 1940s to the 1970s. Don't miss Valentin Volkov's socialist realist Minsk on July 3, 1944 (1944–5), depicting the Red Army's arrival in the ruined city. Yudel Pen, Chagall's teacher, is well represented, including his 1914 portrait of Chagall.


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On Air Personalities
Jeremy Sweat
Jeremy's start in Christian Radio came just out of high school in 1992. An interview on the local station in Saint Joseph, MO led to part-time work that turned into a full-time career. Over the years, he's gained experience in production, traffic, sales, fund raising, promotions, web design and programming. He is an Addy award winning producer and copywriter, and a published Marketing author on the topic of Global branding. He holds a BSBA in Marketing from Missouri Western State University.


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Charlotte County is the latest county in the state to place strict restrictions on recyclable metals.
Michael Steele with Allied Recycling in Charlotte Harbor just heard about the county's new ordinance.
"There could be more of this that ends up in the landfill and that's really unfortunate for everybody," said Steele.
Charlotte County Commissioners approved new regulations Tuesday morning on metals.
Among the numerous requirements, sellers will have to offer their thumbprint and prove what they're selling belongs to them.
It's a measure that could mean more paperwork for businesses.
"It goes to different companies who then reuse it to make it into different products. Some will be exported. Some will stay here in the US and give jobs to the people who need them," stressed Steele.
Investigators told us one of the biggest targets has been copper wiring. The metal has been stripped from air conditioning units, stolen from people's homes, and pulled from utility poles.
In the past two years, the Charlotte County Sheriff's Office reported more than 1,300 incidents of metal thefts. Investigators explained the metal ordinance isn't about deterring business but about giving deputies the tools need to tackle the growing crime.
"Just to give you an idea in Charlotte County between 2010-2011, we've seen a 187 percent increase in precious metals theft," said Captain James Kemville with the Major Crimes Unit.
Back at Allied Recycling, they welcome the changes and said something had to be done.
"In the end, it hurts us and hurts the community so we'd like to prevent it if we can," said Steele.


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Lodge, 13 Cottages, 20 miles of trails on park, access to 30+ miles in Pennyrile State Forest,8 site equestrian campground, 68 site campground, canoe/rowboat rentals, fishing for variety of species in Pennyrile Lake
Named for the Pennyroyal plant found in the woodlands surrounding the resort, Pennyrile Forest State Resort Park is a perfect back-to-nature get away. Located near Dawson Springs, visitors have plenty of activities to choose from. Plenty of trails for hiking, mountain biking and horseback riders, fishing in Pennyrile lake, and plenty of campsites. A lodge and 13 cottages are also available for overnight guests. Trail users may access the forty plus miles of trails in the Pennyrile State Forest via the new equestrian campground. This campground has eight pull through sites with all the ammenities one could ever need.
Peter Bowles
20781 Pennyrile Lodge Rd.
Dawson Springs,
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Brazilian Authorities
Ever since Jenson Button had a near miss with some aggressive locals a couple of years ago, the police presence around the racetrack has grown significantly.
Whether it's the open road or the closed course, 2 wheels or 4, our odometer tracks miles and good times with elite partners.
PUMA is on a sustainability journey to improve our business and the lives of generations to come.


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The Ranger Queen Sleeper Sofa is precision manufactured for years of use. This piece from Catnapper will be the focal point in your living room.
- Faux leather fabric in a rich Tanner color
- Attractive sewing details highlighted with double needle stitching
- Made from 100% Polyester
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Product Review - Catnapper Ranger Queen Sleeper Sofa
Furniture Brand
Admit it. There are few things in life that provide you with more comfort and relaxation than a recliner. Add style and sophistication, and you've got the Catnapper Furniture recliner line. If it reclines, you'll find it here: reclining sofa sets and loveseats, chenille sofa sets, power lift recliners, chaise recliners, multiposition recliners, glider recliners, rocker recliner, lunger recliners and more. One Way Furniture offers high quality recliner furniture at discount prices. All recliner furniture ships free. Catnapper
Weight & Size
Reference - Sku: 3796230744 - Catnapper Ranger Queen Sleeper Sofa by Catnapper


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European Union Turning Into The USSR – Lenin Would be Proud.
Taking Their Cues From Lenin
Vladimir Bukovsky, a Soviet dissident who was exiled to the West in the seventies, was interviewed for the December 2012 edition of the Italian periodical Radici Cristiane. In his discussion Mr. Bukovsky paints a grim picture of the European Union's metamorphosis into a repressive superstate, a virtual carbon copy of the totalitarian Soviet Union.
Many thanks to Enza Ferreri for the translation:
From the USSR to the Soviet European Union, the Project of Socialist Internationalism — Interview with Vladimir Bukovsky
Vladimir Bukovsky, 70, is one of the most famous ex-political prisoners of the former Soviet Union. He spent a total of twelve years of internment, including prisons, labour camps and psychiatric hospitals, before being ejected and swapped for the Chilean prisoner Luis Corvalan in 1976. Since then he has lived in Cambridge, and took British citizenship.
In 2007 he co-authored with Pavel Stroilov EUSSR: The Soviet Roots of European Integration in which he reconstructs, on the basis of documents copied from the Soviet archives in 1992, plans to transform the European Union into a Union of Socialist Republics in all ways identical to the former Soviet Union.
Radici Cristianehas asked his opinion on current developments.
Mr. Bukovsky, at least since 2000 you have been saying that the European Union is the exact copy of the Soviet Union. Aspects in common highlighted by you include the new Europe's structure itself: a union of republics with a socialist structure, run by a handful of unelected people who make typical Bolshevik promises — equality, fairness and justice — and do not recognize nations, but only citizens of a new people, with "European" instead of "Soviet". In common, in addition, the two unions have the typical corruption of a socialist republic, a corruption organized from the top, aggressiveness towards the outside and even gulags inside. Many years later, are the events proving you right?
You forgot the similarity in the way they started. How was the USSR created? Of course, by military force, but also by forcing the republics to join through financial threat, making them economically fearful. So there we are.
But we are still at the beginning, at the first stage. The ultimate goal of all unions that have been built so far does not end with the submission to the control of Brussels, but it goes further. The target is the building of a single state, under one world government, with a single law, a single pension…
The financial crises serve to push in this direction.
General impoverishment would then be desired?
It is the very concept of "union" that removes flexibility from the economy. A single economy makes impossible the constant adjustments necessary to facilitate trade.
Don't let's forget that the Soviet Union went bankrupt. Of course, we were far ahead on the road to integration towards a single state: not just a single currency, but also one people. And the Soviet Union, in contrast to Europe, had enormous resources, so, every time it was on the verge of bankruptcy, it would discover new resources: oil, diamonds, gold… That's what made them carry on. Otherwise they would not have failed in the eighties, but by the end of the thirties.
You said that the crisis was the first stage. What about the second?
Over time there is a development of distrust that can lead to hostility. That is the next stage. Examples abound, just think of Yugoslavia, the USSR… Countries forced to live under the same roof. I myself grew up under a federal flag. But it is a pressure cooker that sooner or later blows up.
Is this why they are gradually unifying the military?
It still has to do with the construction of a single state. One government, one president, one policy. The economic difficulties help to reduce the sovereignty, because people are more willing to accept and obey. In Italy not coincidentally you have an unelected Prime Minister.
Are they using the economy to crush the nation state? It seems to me that they use it to crush people. They manipulate people to prevent them from opposing the new policy, which must, on the contrary, appear to them as the only hope.
Are they therefore all socialists in Brussels?
From Gates of Vienna: http://gatesofvienna.net


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Posted Apr 26, 2013By
The Denver Nuggets take on the Golden State Warriors in game 3 of the first round of the NBA Playoffs April 26, 2013 at Oracle Arena.
Playoffs are on the Nuggets' minds again. For real. In a media day news conference on Monday that covered a n
Photos from the 2014 FIBA World basketball championship between the USA and Serbia in Madrid. USA won the match 129
Chauncey Billups announced his retirement from the NBA after 17 seasons of professional basketball.
Former Colorado State star Becky Hammon was hired as an assistant coach by the San Antonio Spurs, the team announce
De'Ron Davis, the junior-to-be at Overland High School in Aurora, Colorado, is one of the most highly coveted
Photos from an NBA summer league basketball game between the Denver Nuggets and the Utah Jazz on Tuesday, July 15,


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Last night on Fox News, host Bill O'Reilly and former comedian Dennis Miller announced a new "business partnership." "We're opening a theme park: Waterboard World," O'Reilly said. Funnyman Miller explained how the park would help in efforts to curb greenhouse gas emissions:
MILLER: You know, I had a caller on my show, Bill today, the radio show, a guy named A.J. from Milwaukee. He had the best take on this. He said change the public relations of waterboarding, say that people are emitting too much CO2 and when you pour water down their nose, it cuts into their CO2 exhalation.
O'REILLY: So it's better for the planet.
MILLER: You can call it greenboarding. And we could sell it. Greenboarding! There you go!
Watch it:
Miller concluded the segment by singing to the tune of the Beach Boys' "Surfin' USA," —
"If everybody had a cheesecloth across the USA." As actual comedian David Cross once observed of Miller, "You truly are the king of references."


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Discover the history and vibrant charm of Silver Spring, MD, while staying at our Hampton Inn Silver Spring hotel. Enjoy a concert on the plaza in downtown Silver Spring or relax by the fountain commemorating the spring for which the city was named. Stroll the nearby pedestrian-friendly streets to browse shops, art galleries and restaurants. Walk to the headquarters of organizations such as Discovery Communications, United Therapeutics, and the National Oceanic and Atmospheric Administration (NOAA).
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Sony XDCAM series camcorders like Sony PMW-EX1, PDZ-VX10, Sony PMW-350K, Sony PMW-320K, Sony PMW-EX3, Sony PMW-EX1, Sony PMW-F3L, Sony PMW-F3K, Sony PMW-100, Sony PDM700, Sony PDM-F800, etc are high-end professional camcorders which can capture stunning-quality HD images; they can offer very high quality HD recording at a data rate of up to 50Mbps at MXF format. But when you want to edit the videos they record, you may find the high quality MXF files are not recognized by most editing software even iMovie, Final Cut Pro, Final Cut Express, Avid, etc, but sometimes to edit he raw Sony XDCAM MXF files in iMovie/FCP/FCE/Avid/Adobe Premiere Pro/After Effects/Kendlive, etc is necessary to get a good visual effect, so, how to convert/import Sony XDCAM MXF to Apple ProRes MOV? Is there software can do the job?
The answer is positive. To convert and import Sony XDCAM MXF to iMovie/FCP/FCE/Avid, etc, you just need UFUSoft MXF Converter for Mac to help you. Sony MXF Converter for Mac is a good choice for you. It can fast convert Sony PDZ-VX10, PDM700, PDM-F800, PMW100, PMW-350K, PMW-EX3, PMW-EX1, PMW-F3L, PMW-F3K, etc camcorder MXF to MOV for editing on Mac without quality loss. And this Mac Sony XDCAM MXF Converter is easy-to-use while high-efficient?free download and install it, you will be able to convert the MXF to iMovie/Final Cut Express/FCP/Avid/Adobe Premiere Pro/After Effects/Kendlive, etc now, and this guide will tell you how to convert all MXF videos to Mac compatible ProRes 422 or H.264 MOV step by step.
Guide on how to Convert/import Sony XDCAM MXF to iMovie/Final Cut Express/Final Cut Pro, etc on Mac OS X.
Step 1: Load Sony XDCAM MXF files
Simply click Add File button to import Sony XDCAM MXF files.
Step 2: Set output format and output path
Select the MXF files, click Profile drop-down list to select Final Cut Pro > Apple ProRes 422 (*.mov) or HD Video > HD MOV Video (*.mov) as output format, then set output path to save the converted video files from Destination options.
Step 3: Setting
You can set audio and video parameters for the video by hit Setting button
Step 4: Convert Sony MXF to iMovie/FCP/FCE/Avid/Kendlive on Mac
After all settings are done, click Convert button to convert MXF from Sony XDCAM camcorder like Sony PMW-EX1, PDZ-VX10, Sony PMW-350K, Sony PMW-320K, Sony PMW-EX3, Sony PMW-EX1, Sony PMW-F3L, Sony PMW-F3K, Sony PMW-100, Sony PDM700, Sony PDM-F800, etc to MOV for iMovie/Final Cut Express/Final Cut Pro/Avid/Adobe Premiere Pro/After Effects/Kendlive on Mac. When finish converting, you can import the converted video files to Mac editors for further editing then.
MXF to MOV- Convert recorded MXF clips to MOV for editing and playing on Mac
Summary: In this article, you can learn How to convert recorded MXF clips to MOV for editing on Mac, it will help you solve the problems you encountered.
Why do you need to convert MXF to MOV format for editing on Mac?
If you need to edit videos usually, you may know that MXF is a container format for professional digital video and audio media defined by a set of SMPTE standards. MXF files is not compatible well on Mac OS and it is supported by many portable players and some software like Quicktime, iMovie, FCP and so on. MOV is a video format which supported by many softwares on Mac. To paly MXF files on Quicktime or edit MXF files with iMovie/FCP/Avid/Premiere on Mac, Mac users should find a solution to convert MXF to MOV on Mac.
Users' MXF clips to MOV conversion need:
"Hi, I need to convert .MXF films into .MOV films for editing purposes. I recorded many MXF clips during the new Year, now the MXF to MOV conversion need to be finished today for mass DVD copying. Please help."
"I am currently using log and transfer to import mxf files quality into fcp6 (used an hvx200 on dvcpro settings for 4x3 aspect ratio). most of the footage looks really good. however, a few shots have some bad interlacing (static frame with some, but not a ton, of motion). when i view the mxf's in the capture window, they do not appear to have these issues. "
Solution to convert MXF to MOV on Mac
First, you will need a MXF to MOV Converter on Mac, here you can try Pavtube MXF converter for mac, this is top mxf video converter in the market, it will help you transcode mxf to mov, mkv, etc.
Here is the main interface of the MXF converter for Mac.
You can choose rich output formats for editing on Mac,
For example,
Editing in FCP you can choose Apple prores 422 codec MOV format;
For editing in imovie, you can choose apple intermediate codec (AIC) MOV format;
For editing in Avid, you can pick DNxHD codec MOV format, etc.
After conversion, you can follow these guides to import clips to software for editing on Mac: import video to Avid, import video to FCP (x) or import video to iMovie.
With this MXF converter mac, you can edit and play recorded MXF on Mac Mountain Lion 10.8, just take a free try on this useful software.
MXF Related articles on Pavtube official website:
Import Canon C500 MXF to FCP X
Use AG-HPX600 P2 MXF footage with FCP X
Panasonic MXF to iMovie and FCE
Transcode AG-HPX250 P2 MXF to Avid Media Composer
P2 MXF to Quicktime MOV on Mac and Windows
Get software cheaper:If you want to burn batch MXF files to DVD disc or ISO files or folder files for backup or watching, you can try Pavtube DVD Creator for Mac, which can burn HD videos to DVD easily.
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Global Links Overview
Target demographics: We work with medically underserved communities in Latin America and the Caribbean. Also, we support U.S. healthcare facilities in their efforts to reduce the environmental impact of their operations.
Direct beneficiaries per year: Thousands of patients who have access to higher quality medical care as a result of the strategic donations of medical materials by Global Links. 30+ healthcare facilities in the U.S. with whom we partner to achieve more environmentally responsible operations. 45+ medical service trip teams traveling from the Pittsburgh area to donate their medical services around the world whom we provide with medical supplies.
Someone who had 3 hours of volunteer time could: Make a practical contribution to our operations while at the same time learning about global health inequities; pack boxes of needed medical supplies; clean and prep hospital furnishings for an upcoming shipment; clean and match crutches to send to Haiti; lead a collection for needed supplies at their workplace, school, or place of worship; attend a tour of our facilities to learn more about our mission and operations.
Geographic areas served: Global Links partners with clinics and hospitals in nine countries across Latin America and the Caribbean: Bolivia, Cuba, the Dominican Republic, Haiti, Honduras, Guatemala, Guyana, Jamaica and Nicaragua. Global Links also serves the greater Pittsburgh community through our environmental stewardship in healthcare program and our community outreach and education program.
Programs: Member hospitals that serve the poor receive annual allotments of the specific types of suture they request.
(1) Sharing expertise and technical knowledge with international and domestic partners.
(2) Redirecting still useful materials away from U.S. landfills to public health improvement efforts in targeted countries throughout the hemisphere
(3) Educating partners and volunteers on issues of global health and environmental stewardship
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Golf leagues-Aug. 1, 2013
Three area golfers in top five
Jenny Muesing of Baxter finished second and Maggie Heggerston of Pequot Lakes was third in the final season standings of the Minnesota Section PGA Players' Tour Series A points race.
Muesing a member of the Brainerd Warriors girls golf team scored 240 points through five events.
In four events, Heggerston scored 215.33 points.
Both trailed Kate Smith of Detroit Lakes, who tallied 357.50 points in four events.
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Colum McCann
Metropolitan Books
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Colum McCann is the author of books including This Side of Brightness, Zoli, Songdogs and Let the Great World Spin. He has received the International IMPAC Dublin Literary Award, a Pushcart Prize, and was named the first winner of the Grace Kelly Memorial Foundation Award and the Princess Grace Memorial Literary Award. He lives in New York City.
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|Matt Mason, Author, The Pirates Dilemma
Matt Mason is the bestselling author of The Pirate's Dilemma, the first book in the history of the world to hit the number one spot on Amazon's economics/free enterprise bestseller list, and the rap bestseller list, at the same time. It has since been published in ten countries and counting. He was recently voted Pirate of the Year by BusinessWeek.
Mason began his career as a pirate radio and club DJ in London, going on to become founding Editor-in-Chief of the seminal magazine RWD. In 2004, he was selected as one of the faces of Gordon Brown's Start Talking Ideas campaign, and was presented the Prince's Trust London Business of the Year Award by HRH Prince Charles.
He has written and produced TV series, comic strips, viral videos and records. His journalism has appeared in The Guardian, The Independent, The Observer Music Monthly, Dazed & Confused, Adweek, VICE, Complex, Libération, and other publications in more than 20 countries. He has spoken on the subjects covered in the book all over the world. He lives in New York City with his wife Emily.


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Cross Country
Evelyn Coleman
Academic Year: Sophomore
Year of Competition: Second
Height: 5-0
Previous School: Oak Harbor High School
Hometown: Oak Harbor, Wash.
Academic Interest: Communications. Currently enrolled in "Hop on Pop"
Stats: Personal Best 5k: Cross Country - 24:34
6k Best Cross Country: 30:05
Track Bests: 100 meters - 16.3
Highlights: In high school Coleman participated in cross country, orienteering, dance and drill. 3-time Varsity Letter in drill team and 1 in orienteering. 2009 marks the second year of cross country for Evelyn, who competed in sprint events this past spring.


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Spartan Race is returning to Reveille Ranch in Burnett Texas this weekend. This year brings two different races over the weekend. We start off on Saturday with a Super and conclude on Sunday with a Sprint. This allows Texans, and other traveling Spartan's to get 2/3 of the trifecta in course of two days. Reveille Ranch greets racers with a challenging rolling terrain across the Ranch. There are numerous rock out croppings, streams and tight single track to challenge all of the racers. Once the race is over, the festival area will be the place to hang out. In addition to the challenges, food and drinks, the ranch is just a relaxing place to chill after the race and take a dip in the clear waters of the lake. The weather is expected to be near perfect with lows around 60 and highs in the low 80s with mostly sunny skies. Hydrate, put on the sunblock and come out ready to race.
This is a Navy Federal Credit Union cash prize sponsored race. The top 3 males and females winners of the Saturday Super elite heat will be awarded $2,000 for first, $1,000 for second and $750 for third. Expected to be lining up at the start line will be a number of racers on the Spartan Pro Team including some of Texas' own like Shawn Feiock and Ella Anne Kociuba. Other flying in from out of state include Rose Wetzel, winner of last weekends Montana Sprint, and Brian Hoover and Christopher Rutz , two of our top masters racers. As always we expect other top racers to show up and prove their skills in the elite heat.
Regardless of what time you start and what time you finish, we are excited to see everyone this weekend and hang that finishers medal around your neck. Oh, and we will have a kids race, too. It is time to put all of your hard training to the test in the Spartan Race Austin. When you arrive on site please stop by and check out the SpartanSGX tent. You can find some of the top athletes hanging out there and more importantly you can get tips from them and the Spartan SGX coaches on warming up and cooling down before and after the race. Stay loose, eat well and stay calm. You are ready for this weekend. If you are not, it is probably too late to do anything about it now, so just STFU!
So get ready and we'll see you at the finish line…
Tags: Brian Hoover, Christopher Rutz, Ella Anne Kociuba, Rose Wetzel-Sinnett, SGX, Shawn Feiock


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Vero Moda
Miggo Denim Shirt
Denim shirt by VERO MODA. Collar and two front pockets. Fastening with buttons in the front and cuffs.
Made of 100% Cotton.
Model is 167 cm tall and is wearing a size Small.
Item no.: 796593-2257
Colour: Light Blue
Size reviewsSmall in size
Complete the look
More about the brandAn ambition to create fashionable clothes at a great price brought about the birth of Vero Moda. Today Vero Moda one of the biggest European brands for young women. Since 1989, the brand has become synonymous with modern clothes, popular among young women. Vero Moda's range includes stylish tops, leggings, dresses and much more. View the latest from Vero Moda on Nelly.com.
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February 7, 2013
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