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Renters get help boosting credit scores
New websites will report your rent-payment history to the credit bureaus for a fee. Paying rent on time could lead to higher scores.
This post comes from Brian O'Connell at partner site MainStreet.
Back in January, one of the major credit-reporting agencies, Experian, announced it would begin including rental payments in its credit score formula.
In response to Experian's decision, a cottage industry of websites has arisen to help consumers make the most of their rental payment from a credit score angle. Williampaid.com, for example, will not only pay your rent for you automatically -- it deducts your payment from your bank account for a $1.75 monthly fee -- it will also report your rental payment to FICO, the main credit-monitoring firm, for $2.50 per month.
There's also a new website called RentReporters.com that opened its digital doors on Monday. The site says it can verify residential rental payments of 100 million U.S. renters and transfer that information to consumer credit reports, thus helping them to boost their credit scores. (Estimate your credit score for free.)
RentReporters takes the rental-payment receipts straight from the landlord and delivers the payment data to credit bureaus for inclusion on consumer credit reports, for $89.95 per year or $5.95 per month after paying a $39.95 setup fee.
RentReporters sends its rental-payment verifications to Payment Reporting Builds Credit, an alternative credit-reporting agency that processes rental-payment data for FICO. That data is transmitted directly into the automated underwriting systems of national lenders.
"Having been where many of our customers are now, I know firsthand the economic circumstances that can result in a poor credit score," says Crispin Luna IV, founder and president of RentReporters. "We allow essentially every renter in the U.S. to take one step closer to homeownership and leverage their rental payments towards a better credit profile."
100 million renters
While it's just Experian right now, RentReporters expects the two other credit-scoring titans to begin including rental payments shortly.
"The significance of the shift from debt-based credit and the impact it will have on the American credit market is huge," adds Luna. "There is no doubt that in the near future Equifax and TransUnion will soon announce the inclusion of rent on their traditional databases."
Experian estimates that there are about 96 million renters in the U.S. -- more than enough to impact the credit and lending markets in a big way in the coming months and years. (The Census Bureau estimates about 100 million renters.)
"Given that one-third of the U.S. population rents, we felt it was imperative to reflect the true creditworthiness of those individuals who responsibly pay their rent," Brannan Johnston, vice president and managing director for Experian RentBureau, said in a press release in January. "Our research shows that over one in three consumers in the highest-risk credit score band will improve to at least the next score band with the addition of positive rental data."
For now, renters have enough resources to leverage their on-time payments into higher credit scores. The question now: How many will do so? With rentals on the rise, more companies will spring up looking to make a buck on the trend.
More on MainStreet and MSN Money:
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Carrie Underwood has revealed the artwork and track listing for her new Blown Away Tour: LIVE DVD, coming out August 13. The cover photo shows Carrie on stage bathed in blue light with her right arm raised in the air holding a microphone. As for the track listing, Carrie includes her biggest hits like "Good Girl"; "Jesus, Take the Wheel"; "Last Name"; and "Temporary Home." The DVD also features performances of her recent hits "See You Again," "Two Black Cadillacs" and, of course, "Blown Away."
All four music videos from Carrie's Blown Away album and exclusive behind-the-scenes interviews and footage from the tour round out the DVD's bonus features.
Here is the Blown Away Tour: LIVE track listing:
"Good Girl"
"Undo It"
"I Told You So"
"Two Black Cadillacs"
"Last Name"
"Temporary Home"
"Jesus, Take the Wheel"/"How Great Thou Art"
"Cowboy Casanova"
"Get Out of This Town"
"Nobody Ever Told You"
"All-American Girl"
"One Way Ticket"
"Leave Love Alone"
"Flat on the Floor"
"See You Again"
"Cupid's Got a Shotgun"
"Before He Cheats"
"I Know You Won't"
"Blown Away"
Copyright 2013 ABC News Radio


text: Figure 7-13-14 Mistake-Proofing the Design of Health Care Processes - Figure 7.13. An advertisement urging health care workers to "sign your site" Source: Photo courtesy of AOFAS (American Orthopaedic Foot and Ankle Society) and AAOS (American Academy of Orthopaedic Surgeons). Used with permission.Return to DocumentFigure 7.14. The site of the procedure is clearly marked Return to Document Current as of May 2007 Internet Citation: Figure 7-13-14: Mistake-Proofing the Design of Health Care Processes -. May 2007. Agency for Healthcare Research and Quality, Rockville, MD. http://www.ahrq.gov/professionals/quality-patient-safety/patient-safety-resources/resources/mistakeproof/mistakefig7-13-14.html


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Epic lulz. what? did the girls get cold??
Printable View
Epic lulz. what? did the girls get cold??
I hate coffee and I can find much more interesting (and tactile) ways to interact with women than staring at them pouring it.
This reminds me of a place in San Jose called Sugars Cafe in which the waitresses were dressed in lingerie.
I am going to open a gyro restaurant in Pomona and serve people in my Spider-man underoos. mhihi:
Now I'll never get to go there.
This is a sign, people. Don't take anything for granted in life. Because once you do, you put it off and before you know it, it's gone.
So go hug your children and your parents. Tell a friend how much they truly mean to you.
Because someday, they may have to move cities due to prudish city limitations made to make sure men are never happy.


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-Tanner Pantele
Listen up Bob Seger fans! Detroit Rock City's very own, Bob Seger and the Silver Bullet Band, have recently released a brand new album complete with all your classic favorites and some previously unreleased tunes you are sure to enjoy as well.
The 26-track collection includes:
Night Moves, Turn The Page, Hollywood Nights, Main street, Old Time Rock And Roll, Like A Rock, Her Strut, We've Got Tonight, Against The Wind, Still The Same, plus two #1 radio singles from this year, Downtown Train and his current #1 Classic Rock hit, Hey Hey Hey Hey (Going Back To Birmingham).
Give Bob Seger and the Silver Bullets Band's 'Ultimate Hits: Rock and Roll Never Forgets' a listen and tell us what you think!
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KALAMAZOO (WKZO) -- About 800 people needing assistance of one kind or another turned up at the Expo Center yesterday to take advantage of Project Connect. Co-coordinator Pam Burpee says they were able to get a free meal, maybe some free clothing, get some advice, maybe some dental work.
It's a very productive event, not only for those who get help, but for the service providers who say they get to mingle, compare notes, collaborate and share ideas and even come up with joint efforts.'
Burpee says one of the biggest challenges they face is finding sponsors to underwrite the event, which is held twice a year. The next one will be held this fall.


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Cable-Knit Throws: High, Low and DIY
The Cure is inspiring me to do research into how I can buy my wants (such as a bathroom clock) and still save. Cable-knit throws have been blogged about over and over and over &mdash so I wanted to pass on this trend. But, now it's cold and I'm weak. I want one. Do you want one too? Here are available options.
• 1 Lutz and Patmos Honeycomb Throw, $79 on sale at West Elm
• 2 Lauren Ralph Lauren Cable-knit throw, $59.99 on sale at Macys
• 3 Home Cable-knit throw, Brown, $37.99 at Target
• 4 Cable-knit throw by Ann Gish, $119.90 from Horchow
• 5 Sweater-knit throw, $79 from Pottery Barn
• 6 Combed cotton cable-knit throw, $59.50 at Land's End
• 7 Merino wool knit throw, $199 at Eddie Bauer
• 8 Large cable-knit throw, $250 at The Conran Shop
• 9 Cashmere cable-knit throw, £ 275 at Heal's
• 10 Roots cable-knit throw, $34.99 from Sears
If you have time and ambition, you can try to make a cable-knit throw yourself. We hear you can find patters at Lion Brand Yarn. Also make sure to check out Etsy.com for both patterns and handmade throws.
22 Comments
Actually, I do want one.
I want one too.
It'd be pretty easy to DIY a throw without a pattern if you have a stitch dictionary or search for cabled stitch patterns online.
I know my local library's got a decent selection of stitch guides, too.
Or, you could get cabled sweaters at a thrift store and use them patchwork-style.
As a knitter I say go for quality when you're buying anything made of yarn -- avoid synthetic acrylics -- 90% of the time they end up out of shape, pilled, scratchy, and generally ratty looking within one season's use -- I'd recommend looking for wool, cashmere, cotton, or some blend of the three for a throw.
If you can't afford natural fiber, and you're crafty, you can do what I do (since I'm young and broke) and go to the goodwill, scrounge around for large sweaters made of good quality yarn, take them home, rip them apart, and reknit them into pretty things. I've gotten yarn that would have cost hundreds of dollars for pennies this way.
A few years ago, I worked at an interior design practice / storefront. We carried Matouk's cable knit throws -- I still have mine (bought with my Christmas bonus employee discount mind you) almost seven years later and its in great shape. Soft, quality yarn, washes like a dream. I'm totally in favor of DIY, but I think a cable knit throw is an investment piece. So cozy.
I've been anxiously awaiting chilly evenings to snuggle under mine! It's the most yummy, thick, soft and snuggly cashmere - by Rani Arabella. I did try to knit one once upon a time, but it seemed never ending, I think it's keeping a teddy bear warm these days!
Also, if you're a beginning knitter, a nice super-chunky weight yarn will knit up fastest and will accentuate the look. Also keep in mind that light colors show texture better than dark. It's a shame to put lots of cables in a dark yarn--you can hardly tell what the design is!
I love to crochet in fall and winter......the project keeps my lap warm while working on it.
It is possible to crochet a cable stitch afghan, instead of knitting. But my favorite cozy stitch is the old ripple stitch. The finished afghan drapes nicely and hugs your body.
My lovely husband knit me a cable knit blanket that looks very similar to #8. I asked him to knit an extra row on because I knew it was something that the whole family would want to snug under...and we do!
Living in New England, I love warm throws. I have several in the living room. Living with animals....they have to be machine washable. I would love to learn to knit.
terri- your husband knits? can he teach mine??
He would love to! He taught himself to crochet, knit, cross-stitch and quilt. (He's a computer analyst, I think crafts are a problem to solve and create. Or something.)
I on the other hand get him to sew my button on. Mine suck so bad they come off in the wash.
It's hard to find luxurious throws that aren't cashmere or wool. I don't use fibers from animals or synthetic fibers and it's hard to find a thick, chunky throw made of 100% cotton. The Land's End option is decent, but it's too thin. I guess my best bet is the Pottery Barn cotton/acrylic throw.
Thank you so much this post! I spend the better half of yesterday mulling over whether I could justify spending $79 on a throw blanket (I'm looking at you, West Elm), and you've provided some really nice alternatives.
For knitters, I recommend KnitPicks, an online vendor that sells their own brand of yarns at very low prices. Their color choices can be spotty and the yarn isn't as interesting or beautiful as the higher end stuff, but for the basics they can't be beat.
They show a cabled afghan with a yarn cost of $56.85. Sampler Afghan
hey vegan chick.
get your facts straight: they don't actually kill the sheep to get wool. it's called shearing. like a haircut.
@Jac: I don't think she's saying that sheep are killed in the process. Vegans don't consume any animal byproducts, and it has nothing to with whether or not they live. Are cows killed for milk? Nope ;)
This CB2 one doesn't have the nice, chunky cable pattern, but it is 100% cotton and machine washable. And it's $50. Bonus.
I like the yellow, too.
got one today for 7.99 @ v. village
In addition to the one shown above, Target stores have an off-white version with no fringe for 24.99, part of the Home collection as well. I got one today and really like it, it's all acrylic but for the price who can complain?t
@CrazyLady: You taught me something new today. Thank you.
Ravelry.com is a HUGE resource of knitting and crochet patterns. You have to request to join and it can take a day or two, but it's way better than Etsy if you want to DIY. Especially good for the vegans. Caron Simply Soft double-stranded is a good approximation of the West Elm one.


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Those dreaming of a white Christmas in Chicago might get a flurry -- but it won't be a winter wonderland.
The National Weather Service is predicting a "slight chance" of snow Christmas Eve and Christmas Day.
The temperature is expected to be cold enough – ranging between 25 and 33 degrees – but there is only a 20 percent chance of snow, according to the weather service.
It only snows on Christmas Day in Chicago 63 percent of the time, most often trace amounts of snow less than 1/4-inch, according to the weather service. It did not snow at all Christmas Day 2011.
The snow is more likely to hit the Chicago area Wednesday, followed by clear skies the rest of the week.


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Map Collections
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Concho County (Tex.)--Maps.
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Concord (N.H.)--Aerial views.
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Conemaugh Valley (Pa.)--Aerial views.
Coney Island (New York, N.Y.)--Maps.
Confederate States of America--History--Sources.
Confederate States of America--Transportation.
Confederate States of America.--Army of Northern Virginia.--Corps, 1st.
Confederate States of America.--Army of Northern Virginia.--Corps, 2nd.
Confederate States of America.--Army of Northern Virginia.--Corps, 3rd.
Confederate States of America.--Army--Surgeons.
Confederate States of America.--Army--Transportation.
Confederate States of America.--Army.--Florida Artillery Battery, 1st.
Confederate States of America.--Army.--Georgia Infantry Brigade.
Confederate States of America.--Army.--Virginia Cavalry Regiment, 4th.
Confluence (Pa.)--Aerial views.
Congo (Brazzaville).
Congo (Brazzaville)--Boundaries--Congo (Democratic Republic)--Maps.
Congo (Brazzaville)--Maps.
Congo (Democratic Republic)
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Conneautville (Pa.)--Maps.
Connecticut Western Railroad Co.--Maps.
Connecticut--Administrative and political divisions--Maps--Early works to 1800.
Connecticut--History--Revolution, 1775-1783--Maps, Manuscript--Early works to 1800.
Connecticut--Maps--Early works to 1800.
Connellsville (Pa.)--Aerial views.
Connellsville (Pa.)--Maps.
Conservation easements--Maine--Acadia National Park Region--Maps.
Consolidated Southern Railway.
Constellations--Charts, diagrams, etc.
Constellations--Charts, diagrams, etc.--Early works to 1800.
Constellations--Early works to 1800.
Constitution Island (N.Y.)--Maps, Manuscript.
Constitution Island (N.Y.)--Maps, Topographic.
Constitutional amendments--United States--Maps.
Contiguous zones (Law of the sea)--Arctic regions--Maps.
Contiguous zones (Law of the sea)--Japan--Maps.
Continental Railway.
Continental shelf--Arctic regions--Maps.
Continental shelf--China--Maps.
Contra Costa County (Calif.)--Maps.
Cook, James,--1728-1779--Travel--Maps.
Cooke County (Tex.)--Maps.
Cooper County (Mo.)--Biography.
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Cooper County (Mo.)--Directories.
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Cope (Ind.)--Maps.
Copenhagen (Denmark)--Maps.
Copernicus, Nicolaus,--1473-1543.
Copiapó Bay Region (Chile)--Maps, Manuscript--Early works to 1800.
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Corals--Florida--Dry Tortugas--Maps.
Corcubión Estuary (Spain)--Maps, Manuscript--Early works to 1800.
Cordele (Ga.)--Aerial views.
Core Sound (N.C.)--Maps.
Corinth (Miss.), Battle of.
Corinth (Miss.)--Maps
Corinth (N.Y.)--Aerial views.
Corinth, Battle of, Corinth, Miss., 1862--Maps.
Corinth, Battle of, Corinth, Miss., 1862--Maps, Manuscript.
Corning (N.Y.)--Aerial views.
Corning (N.Y.)--Maps.
Cornplanter (Pa. : Township)--Maps.
Cornwall (Jamaica : County)--Maps--Early works to 1800.
Cornwallis, Charles Cornwallis,--Marquis,--1738-1805.
Coronado (Calif.)--Aerial views.
Corpus Christi and Rio Grande Railway.
Corral Bay (Chile)--Maps--Ealy works to 1800.
Corrientes, Cape, (Cuba)--Maps--Early works to 1800.
Corry (Pa.)--Aerial views.
Cortland (N.Y.)--Aerial views.
Cortland (N.Y.)--Maps.
Cortland County (N.Y.)--Maps.
Coruña Bay (Spain)--Maps, Manuscript.
Coryell County (Tex.)--Maps.
Costa Rica.


text:
Visit Kew Gardens
Autumn higlights Witness Kew transform as autumnal colour spreads across the grounds
Mind-altering plants arrive at Kew Save 10% when you book online to visit our Intoxicating autumn festival
Sizzling late summer flowers See our exotic summer planting in full bloom
As twilight falls the magic begins Come on a magical glittering journey through the Gardens this Christmas
Family fun this autumn Discover the deadliest, most disgusting plants at Kew Gardens
Come to Kew and explore the world's most famous botanic garden. Just 30 minutes from central London, Kew Gardens boasts breathtaking landscapes, iconic glasshouses, historic buildings and rare and beautiful plants.
Don't miss our top ten attractions during your visit to Kew.
This video takes a look at just ten of the many wonderful things to see at Kew Gardens.
Hop on the land train
Take a tour around the Gardens from the comfort of the Kew Explorer land train. It's a hop-on, hop-off service so you can alight at your favourite locations to explore on foot. You'll learn more about our most famous and iconic plants and hear surprising stories about the Gardens' long and fascinating history.
Eat and drink
Whether you're looking for coffee-and-cake pit stops, child-friendly meals or something a little more sumptuous, we have a selection of restaurants and cafés run by award-winning restaurateurs Peyton & Byrne. Why not sample some delicious, freshly-prepared food made from seasonal, locally-sourced ingredients.
More about restaurants and cafés
2 October 2014
Inspiring Kew
Mind-blowing Microscopy Exhibition
Mechanical Chemical Machine
Deadly and Disgusting Plant Hunt
Pop-up Library
Inspiring Kew Exhibition
A Mind-altering World
Film Programme
Introduction to the Gardens
The Dark Side of Plants Tour
More from Kew
Book of the month
Species browser
Kew's Herbarium, Fungarium, DNA and seed collections.


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Construction Zone Birthday BannerItem: 039-222
Recently Viewed:
Building Time
Your favorite little builder will love the look of this Construction Zone Birthday Banner. This building equipment decoration is the perfect finishing touch to your construction birthday bash!
- Construction banner is approximately 8′ x 7″.
- Tied string on both ends for easy hanging.
- Birthday party decoration is printed on one side.
Your little one will love celebrating their special day with construction party supplies. Stock up on the building and excavating tableware and decorations you need to make your event one to remember!


text: Actress Jane White in a 1941 photograph by Carl Van Vechten. A 1944 graduate of Smith College, White was the daughter of Civil Rights icon Walter White. Ms. White began her career on Broadway in 1945 when Paul Robeson helped her get her first role as the lead in Lillian Smith's "Strange Fruit," a story about a doomed interracial love affair. First Lady Eleanor Roosevelt praised Ms. White's work for its "restraint and beauty." In 1959, Ms. White originated the role of Queen Aggravain (to a young Carol Burnett's princess) in "Once Upon a Mattress." For this role, Ms. White was asked to lighten her complexion, lest she "confuse" the audience with her "Mediterranean" looks. She would go on to establish a solid reputation as an actress in Shakespearean and classical roles from the 1960's through the 1990's. In 1979, her autobiographical one-woman show, "Jane White, Who?…", was well received. Ms. White was also a cabaret singer and did work in film and television, including a small part in the film, "Beloved." In 1992, Ms. White wrote "Life As An Actress: A Mystery Story," an autobiographical essay for Revealing Women's Life Stories: Papers from the 50th Anniversary Celebration of the Sophia Smith Collection at Smith College. Ms. White died of cancer on July 24, 2011 in New York City at the age of 88.


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Major sponsors have made public statements criticizing the NFL over its handling of Ray Rice and Adrian Peterson. Will the displeasure take hold?» Read More
After years of nearly complete clarity regarding policy, the Federal Reserve has had investors and economists scrambling of late.
Senate Armed Services Committee's investigation found Chinese hackers breached US defense contractors.
An investigation into a southern New Mexico dairy launched after an activist recorded secret video showing workers abusing the livestock.
Silicon Valley venture capitalist Peter Thiel is famously outspoken and sharp-tongued, and on CNBC on Wednesday he did not disappoint.
A monthly index of home builder sentiment rose for the fourth straight month in September to the highest reading since November 2005.
A New York-based food design agency has envisioned what your grocery store will look like by the year 2065. Fiscal Times reports.
Rolling Jubilee has erased millions in medical debt by buying portfolios cheaply on the secondary market and forgiving the debt. NBC News reports.
IBM is reportedly cutting the pay of employees who need training.
Credit Suisse has entered Wall Street's correction derby, but in a way different from its peers.
Some large-cap stocks including momentum names like Pandora are trading in bear market territory after falling off their 52-week highs.
New York Attorney General Eric Schneiderman's suit against Actavis may have far-reaching implications for other drugmakers.
Rackspace, the cloud computing player that has been for sale since May, says it intends to remain independent, Re/code reports.
Nike said it had suspended its contract with National Football League athlete Adrian Peterson over allegations of child abuse.
If the recent celebrity iPhone hacks have you on edge about your own privacy, then you may want to try this app.
Even the countries that "complain about America" will call on the nation in a time of need, Obama says.
Christmas season retail hiring is expected to significantly outpace the level seen in 2013.
Apple stock is worth buying following the company's latest product launches, Cantor Fitzgerald's Brian White says.
The FTC and CFPB took separate legal action against two different payday lending operations as part of an ongoing industry crackdown.
CalPERS' move to divest itself of $4 billion in hedge fund holdings is galvanizing a debate among many other pension managers.
A report said Devon Energy, Anadarko Petroleum and Facebook are among the multinational S&P 100 corporations hit with the highest tax rates in 2013.
Get the best of CNBC in your inbox
Members of Scotland's best-known industry are watching the vote for independence with serious trepidation.
Pizza Hut is testing out a lighter pizza in two U.S. markets as it seeks to regain its footing against competitors.
Apple Pay is a key feature to the iPhone 6 and iPhone 6 Plus, but there are a few downside issues consumers should know.w
CNBC's Michelle Caruso-Cabrera reports the latest news on Scotland's vote for independence or to stay part of the United Kingdom.
Richard Steinberg, Steinberg Global Asset Management, explains why he is not buying shares of Alibaba right now.
Maury Harris, UBS chief U.S. economist, and Richard Steinberg, Steinberg Global Asset Management, weigh in on low interest rates and the Fed's exit strategy.


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4. Checking and Advertising Your Site
Once you have set up your Web pages, there are some things to you should do:
- Check your HTML
- Check your pages using a general HTML validator (like that at W3C: http://validator.w3.org)
- Check Your CSS
- If your site uses CSS (recommended) you should check it using the W3C CSS validator.
- Check Site Accessibility
- Check for page accessibility by using an online checker such as WAVE: http://wave.webaim.org/. University sites must follow the University's Accessibility Standard Rules.
- Get Listed on the Personal Pages Index
- You can add your site to the list of Personal Pages by
logging into Personal Web Pages. On this page you will
see a sentence saying: 'Include "Your Name" in
personal pages index'. Click the
Yesradio button followed by the
Save Changesbutton to complete the process.
- Set Up Access Statistics
- Get access statistics by logging in to Personal Web Pages, On the opening page you
will see Web Counts and a drop down box. Select
[Yes]and press the Save Changes button. You will receive an email once a week with details of the number of visitors your site has received. If you do not want to receive this information any more, return to the Personal Web Pages site and select
[No]from the list and save.
- Search Engine Submission
- Submit your site to the top search engines. Each search engine has its own submission pages where you can tell them about your site. Once you have submitted the URL of your site, the search engine spider will visit and index your site. There are many factors that influence where your site comes in search results. The more accessible and correctly coded your site is, the more likely the site will appear higher up in the rankings. See http://searchenginewatch.com/ for some tips about internet search engines and search engine submission.
Up: Contents Previous: 3. Transferring Files to Your Web Space.


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Aides and members of Congress say a modest, last-minute measure to avoid spending cuts and many tax hikes could pass the Democratic-controlled Senate if Republicans agree not to filibuster.
WASHINGTON — President Barack Obama is due back in Washington early Thursday for a final effort to negotiate a deal with Congress to avert or at least postpone the "fiscal cliff" of tax increases and government spending cuts set to begin next week.
No specific bill dealing with the cliff was on the schedule of either the U.S. Senate or House of Representatives, which are expected to return Thursday after the holiday break. In Congress, the corridors were almost empty and the doors to members' rooms were locked.
Investors are closely watching the talks, concerned that going over the cliff could throw the economy into recession. U.S. stocks slipped Wednesday after retailers reported disappointing holiday sales as shoppers tightened belts, possibly due to fiscal cliff worries.
Aides and members of Congress have said that a modest, last-minute measure to avoid the spending cuts and most of the tax hikes could pass the Democratic-controlled Senate if Republicans agree not use a procedural roadblock known as a filibuster — a commitment that Senate Republican leader Mitch McConnell has so far not made.
The legislative focus continues to shift from deficit reduction to averting the immediate shock of the Dec. 31 cliff dive.
More from MSN News
Obama to fly home early to work on 'fiscal cliff'
Some urge Boehner: Let Dems pass 'fiscal cliff' bill
"This is the 'Break Glass' scenario that we have long believed would rise in probability the closer we go to December 31, which essentially calls for extending all the rates for those individuals making under $200K and households under $250K and does not address the debt ceiling or the deficit," analyst Chris Krueger of Guggenheim Securities wrote in a research note.
But to win approval in the Republican-controlled House of any bill that raises taxes on anyone, a rare bipartisan vote would be required. All 191 Democrats would have to team with up with at least 26 Republicans to get a majority if the bill included tax hikes on the wealthiest Americans, as Obama is demanding.
Some of those votes could conceivably come from among the 34 Republican members who are either retiring or were defeated in the November elections and no longer have to worry about the political fallout.
In the alternative, Congress could let income taxes go up on everyone as now scheduled and then during the first week of January, scramble and get a quick deal to cut them back except for the highest brackets, along with a measure putting off the $109 billion in automatic spending cuts that most lawmakers want to avoid.
Once the clock ticks past midnight on December 31, no member of Congress would have to vote for a tax increase on anyone — taxes would have risen automatically — and the only votes would be to decrease tax rates for most Americans back to their 2012 levels.
Americans' optimism that Obama and congressional leaders will reach a budget agreement before Jan. 1 has waned in recent days, according to a Gallup poll released Wednesday. Fifty percent believe a deal will be reached — a drop of 7 percentage points from the previous week — and 48 percent are doubtful. The poll was taken just after talks ran into trouble last week.
Obama and congressional lawmakers left Washington on Friday for the Christmas holiday with negotiations to avert the fiscal cliff in limbo.
The president will cut short his vacation in Hawaii and leave for Washington later Wednesday, arriving in the capital early Thursday.
Obama is expected to turn to a trusted Democratic ally, Senate Majority Leader Harry Reid, to help craft a quick deal.
White House aides began discussing details of the year-end budget measure with Senate Democratic counterparts early this week.
Starbucks Chief Executive Howard Schultz is urging workers in the company's roughly 120 Washington-area coffee shops to write "come together" on customers' cups Thursday and Friday to send a message to sharply divided politicians.
"We're paying attention, we're greatly disappointed in what's going on and we deserve better," Schultz told Reuters.
Additional reporting by Thomas Ferraro and Richard Cowan in Washington and Lisa Baertlein in Los Angeles; editing by Eric Beech.
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Full Forecast at Yahoo! Weather
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The Texas Pharmacy Association named Mission's John P. Calvillo, owner of Med-Aid Pharmacy, as Pharmacist of the Year.
According to the association, Calvillo possesses a record of unquestionable integrity, outstanding service to the local or state association and a personal record of exemplary service to the pharmacy community.
"As part of our process, TPA asks for nominations from the field for each of our ten awards," said Texas Pharmacy Association Chief Executive Officer Joe A. DaSilva. "Pharmacist of the year is one of the two most prestigious recognitions. Our awards committee reviews the nominations, considers others that were not nominated and makes a selection based on the subjective parameters noted above."
Sandra Nelson, director of governance and operations for the Texas Pharmacy Association, said Calvillo received the award during the 2012 Rxperts Conference & Expo at The Woodlands Waterway Marriott on July 7, just north of Houston.
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The Progress Times is the hometown newspaper for the local communities of Mission, Sharyland, Alton, Palmview, La Joya and surrounding areas in Western Hidalgo County. We have a staff of veteran reporters who work diligently every week to bring our readers the latest news as it affects their hometown area and people.


text: We've enjoyed coveting images of beautiful blackberry baking this week. The deep purple tones photograph beautifully on moody charcoal backdrops, with simple rustic styling. Only a couple of month's to wait for Blackberry season, although I'm not sure if any of our recipes will look quite like these, a crumble will do!


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The Envisat, the largest environmental monitoring satellite in history, has gone silent after a decade of viagra from mexico operation. The satellite was launched in March 2002 by the European Space Agency and mexican rx cialis low priced has been sending information on http://www.massing.de/cialis-england the link for you take cialis planet's oceans, ice, land and atmosphere since then. The ESA says it failed to make contact on April 8 as it passed over a Swedish ground station.
Envisat is equipped with 10 different instruments for collecting environmental data that has been used in 4,000 science projects by 70 countries. The data has been crucial in studies on climate change.
The ESA hasn't given up hope for the satellite. It has brought together engineers, flight dynamics scientists and mission operators to work on re-establishing contact. But even if that is not possible, climate change science won't suffer for long; the ESA already had plans to launch seven Sentinel satellites in 2013 to replace the Envisat.
via Phys.org
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Narrow your search
Find music with Songerize--a Google for music tracks.
This should have been done years ago.
Created by the developer of the now-defunct Songerize, Songite lets you enter the name of any song to hear it right now.
I've finally found a replacement for Songerize, which has been broken since early this year. Just Hear It provides you a list of songs to play on demand or add to a playlist.
The search engine for music files filed for Chapter 11 bankruptcy Tuesday to help protect against record company lawsuits, and it looks like they've taken one of my favorite sites, Songerize, down with them.
Raising prices in the worst economy since the 1930s doesn't seem very bright. Still, when people actually want to buy music, iTunes will remain the default choice.
If Microsoft wants to make music search a core component of its new search engine, it ought to consider buying Grooveshark.
Imeem is starting to stand out from the recent crop of music sites.
Lala.com is beta-testing a service that will offer unlimited streams of particular songs for $0.10 per song.
Finetune lets you create playlists with music you don't own. Not such a big deal on your computer, but definitely useful on the iPhone.


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Welcome to SortedFood...
The online hub for beginners & pros.
There are hundreds of quick, easy, delicious recipe videos plus a whole load of skills, tips & tricks and cool food stuff from around the web.
Whether you want to get smarter at cooking, save some money, or just have a good laugh in the kitchen, we can definitely get you SORTED.
Brioche is a luxurious way to start the day, or just a great treat for any time. It's really easy to make if you follow our recipe and you're sure to be popular if you share it around!
dissolve the yeast into the warm milk by whisking together in a bowl.
mix the flour, eggs, butter, salt and sugar together in a mixer with a dough hook until combined and dough like.
splash in the milk and continue to knead until smooth and elastic. It will be very sticky.
transfer to a bowl and cover bowl with Clingfilm or a clean tea towel.
leave to rest in a warm place for 1-2 hours until it doubles in size.
knock the air out of the dough and split into two.
add chocolate chips to half and the apricot pieces to the other, using a little flour dusted on a work surface.
place the chocolate half into the bottom of a 900g loaf tin (lined if it isn't non stick).
lay the apricot half on top of that, then cover again and leave to rise for 30mins.
preheat an oven to 180˚C
brush the risen dough with the egg wash.
bake for 30mins.
leave to rest for 20 minutes before turning out the tin to cool.
slice pieces to eat whilst still warm for best results.


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Feast your eyes and bat-loving sensibilities on this fang-nificent tee from Burger and Friends. Its super-soft jersey cotton construction will make it part of your new favorite Dracula-baiting outfit.
Women's tee.
Small: Chest 30-32". Waist 25-26".
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Healthy Recipes for Weight Loss
Getting back into shape after Baby not only means exercise, but incorporating nutritious meals into your daily routine. Here are 12 easy, healthy recipes with under 500 calories per serving from the American Heart Association Face the Fats program!
Photo Credit: The American Heart Assocation
Grilled Chicken with Strawberry and Pineapple Salsa
Grilled pineapple and fresh mint and strawberries combine with tangy lemon and a bit of hot pepper flakes to make an enticing salsa for chicken.
Photo Credit: The American Heart Association
Edamame and Penne Salad with Feta
Toss this colorful salad together the next time you want something different for lunch or dinner. The vitamin-packed edamame and protein-rich black beans provide complimentary tastes and a nice color contrast.
Photo Credit: The American Heart Association
Fresh Veggie and Canadian Bacon Pizza with Homemade Crust
Juicy tomatoes, cheese, and vegetables adorn a homemade crust to make even the pickiest pizza lovers happy. Canadian bacon is lower in fat than regular bacon and provides a delicious smoky flavor.
Photo Credit: The American Heart Association
Braised Beef Steaks with Zesty Sauce
Perfect for a weekday night or even a holiday meal, these eye-of-round steaks are seasoned with a salt-free blend of garlic and herbs, braised until tender, and topped with an easy-mix sauce enhanced with toasted almonds.
Photo Credit: The American Heart Association
Chicken Bowl
When the craving for fast food hits, try this healthier version of the KFC Famous Bowl™. The mashed potatoes, corn, chicken, gravy, and cheese in this hearty dish are reminiscent of the original, but with considerably less fat and calories.
Photo Credit: The American Heart Association
Sweet and Nutty Stir Fry
When you crave takeout but don't want to load up on the saturated fat and sodium, try this quick and crunchy meatless meal-in-one.
Photo Credit: The American Heart Association
Salmon with Cilantro Pesto
Salmon fillets get a double dose of crunchy almonds, one in the pesto and one in the topping. The green pesto is easy to make and gets a delightful flavor boost—without salt—from the garlic-herb seasoning blend.
Photo Credit: The American Heart Association
Modern Tuna-Pasta Casserole
This isn't your mom's tuna casserole. This satisfying dish is brimming with veggies and whole grains, and is so tasty and easy to put together it's likely to become a weekly tradition.
Photo Credit: The American Heart Association
Tuscan-Style Grilled Chicken Kebabs
These grilled chicken and vegetable kebabs feature the flavors of sunny Tuscany—lemon, rosemary, and oregano. Serve them brown rice studded with sun-dried tomatoes for a rustic and satisfying dinner.
Photo Credit: The American Heart Association
Spring Greens with Salmon and Apricot-Ginger Vinaigrette
This crunchy combination of spring greens, baby spinach, red cabbage, and snow peas is powered up with salmon and topped with a sweet ginger-spiked vinaigrette.
Photo Credit: The American Heart Association
Trout with Skillet-Roasted Pepper
No need to slow-roast poblano peppers to get deep flavor. All it takes is quickly cooking them in a hot skillet and letting them steep a bit. Add a side of quinoa or brown rice and your meal is complete.
Photo Credit: The American Heart Association
Salmon and Corn Chowder
Spiked with ginger and curry, this flavorful soup is a tasty way to get those omega-3 fatty acids into your diet.
How to Get the Calcium You NeedYou hear it from us as well as everyone else: Make sure to get enough calcium. But how much is enough and what's the best way to get it? We're here to help, with information and ideas to get the calcium...view gallery


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- Detail Images
Use faulty paperwork to save trees.
Share your thoughts
Review Summary
What do you think of the
Dakota Grizzly Logger Flannel Shirt - Long-Sleeve - Men's
? Share a...
Very Normal Flannel
Vinny Mauro
Member since
- Gender: Male
- Familiarity: I've used it several times
This is a nice basic flannel. Good sturdy feeling material, on the thin side if anything as far as warmth goes. If you want a classic flannel shirt that makes you feel like a rugged mountain man, you'll be very happy. Let that scruff grow out for a few days, borrow your buddies chainsaw, and order a few of these shirts!
is this shirt lined with anything? ...
Emily Cahan
Member since
is this shirt lined with anything? Inadequate information.
Vinny Mauro
Member since
It is not lined with anything, just a typical flannel shirt. In case anyone else is wondering.
Very disappointed
Member since
I bought this shirt for my fiance and I was shocked at how thin the material is. I am very disappointed and I'm immediately returning it.
Great Flannel!
Pierre Hills
Member since
Bought this baby not long ago and I love it! It's nice and warm but portable and light at the same time. The material is great and I highly recommend it! It is a little long and the one sleeve button can get a little annoying but overall it's just a great flannel that anyone can love!
Great Flannel Shirt
Member since
Shirts were purchased for my 18 and 20 year old sons and they loved them. Nice, medium weight, soft flannel fabric in great colors!
Member since
I have two of these already and just ordered my third. It's obviously a great flannel and like another reviewer said..... The material is nice and feels like a flannel. Not a cheapy mall shirt. Definitely get one!
Dakota Grizzly Logger Flannel Shirt - Long-Sleeve - Men'
Member since
I just picked this shirt up. I am 6'3" 220lbs and went with the XL and it fits me great. I love the fact that its material is nice and thick and feels like a flannel shirt, NOT one of the cheap ones you pick up from the mall.


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Miracles to inspire you! :)
Time to be inspired!
Remember this 'miracles' thread from a couple years back? I asked you to share any miracles you have experienced and you filled an entire thread with your inspirational and timeless stories. They are so amazing, many of you mentioned to me how you couldn't stop reading them!
At a time when many are struggling with discouragement and uncertainty, I thought you might want to peruse some of these great stories and/or post a new one.
May they serve as a powerful reminder that with God, all things are possible.


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Sequestration, the automatic, across-the-board spending reductions triggered last month after U.S. lawmakers failed to agree on a debt strategy, has cast a shadow of uncertainty over public funding for medical research. That work often serves as the basis for new treatments and strategies from drugmakers such as Pfizer Inc. (PFE) and device makers such as Johnson & Johnson. (JNJ)
"We were ready to get them out the door" for genetic analysis, said Riggins, referring to the tumor samples now "still sitting in the freezer."
In anticipation of sequestration, the National Institutes of Healthbegan trimming 10 percent off existing grants at the beginning of the fiscal year, director Francis Collinssaid in a Feb. 25 briefing. Now that it's reality, the NIH is facing a 5.1 percent decrease in its 2013 budget, or about $1.6 billion.
A great example of (1) how the private sector benefits from public spending directly and (2) how irresponsible the sequester is, both in how large it is and how it is being conducted.
Here's how: The former Republican vice presidential candidate's budget eliminates ___ loopholes in the tax code, cutting the ___ and the ____ deductions. It reduces spending on the ____ program by _____ and the _____ program by _____. Retirees would see ____, students would experience ____ and the poor would be _____.
There are so many blanks in Ryan's budget that it could be a Mad Libs exercise. But this is not a game. It's black-box budgeting — an expression of lofty aims, with binders full of magic asterisks in lieu of specific cuts to government benefits. If this were a fitness plan, Ryan, a former personal trainer, would be telling Americans that under his revolutionary program, they could lose 50 pounds in 10 weeks without dieting or working out.
— Dana Milbank on Paul Ryan's Magical Budget.
The nation's crowded transportation system is already feeling the effect of billions of dollars in automatic federal budget cuts, with long waits at some international airports and signs that cargo may begin stacking up on seaport docks because inspectors are working fewer hours….
The slowdowns are among the first tangible effects of the automatic budget cuts known as the sequester, which began to take effect Friday and will carve $86 billion from domestic and defense programs over the next seven months….
Officials at the National Retail Federation said they have been told that the cutbacks could mean delays of up to five days or more in moving containers through ports. That would mean longer waits for retailers expecting spring merchandise as delays ripple through the transportation system.
— Hilary Rosen on sequestration
— The Financial Times Editorial Board on $85 billion in cuts set to take effect on Friday, March 1.


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Tell Us...the Best Gifts for Baby's First Christmas?
To pull together our gift guides this year we're asking the experts: YOU! You know best what gifts your children have enjoyed at different stages of their lives. Share your wisdom with fellow parents, aunties, uncles, and grandparents. Rattles, books, something to chew on?
What are the best gifts to give babies for the holidays (besides the wrapping paper!)? You can leave a link to a specific product or just give a general idea of a gift your baby has enjoyed.
(Image: Carrie McBride)
38 Comments
My daughter loved playsilks, my son animal crackers.
Sophie the Giraffe
"Baby's First Christmas" ornaments. We received four the year my son was born, and I thought they were nice but kind of silly. Now that my son is six, I totally get it. He had a BALL decorating the tree this year because there were these ornaments that existed solely because of him. He oohed and aahed over how "old" these ornaments were and treated them like precious historic artifacts. He especially loved the two that had slots for baby pictures -- he had a great time looking at them as we hung them up, and he's showed them off proudly to visitors since then. It's sweet and funny.
But then I thought about it -- and I still do the same things with the "welcome, baby" ornaments my parents were given when I was born. (Except there were no photo ornaments in the 70s, and even if there were, I wouldn't be telling all my guests to check out my baby pictures. So mostly I just do the oohing and aahing as we trim the tree.)
You can't go wrong with Viking cars.
Cardboard stacking blocks like:
A Flensted Mobile: http://www.flensted-mobiles.com/
http://www.amazon.com/Eeboo-Around-Land-Wall-Cards/dp/B000GYUXQQ -And a pack of poster putty (e.g., http://www.amazon.com/Removable-Reusable-Non-Toxic-Poster-Putty/dp/B000BQMFEC/) We like to make words out of them and hang them on the wall. We change the words up pretty frequently.
Generally, stuff without batteries.
Our little one will be only a few months old at Christmas and there's not a lot she needs that we didn't get at the baby shower. So we're getting her classes. You could do play, music, art, or swim classes at places like Gymboree or Kindermusik or the local Y. They are a great way to bond with your baby, and allows baby and parents to socialize with their peers.
Honestly? Nothing. They are too young to know. My pediatrician said she would wrap baby's diapers and food so that there would be something under the tree. I might go with that.
I agree with ctmorgan! A music class is a great gift. Cricket Magazine also comes out with a nice baby magazine that can be kept for years for later book reading. My 9 month old son loves his babybug book series. Personally, I don't want any more toys, so I am making him a couple soft, sewn gifts such as a teepee, cloth memory game, and stuffed animal.
I think it depends on how old your baby is by his/her first Christmas/Chanukah/Festivus! Our baby will be two months old, so we're mostly "giving" her things we were going to get anyway--we needed a nightlight for her room, so I used this excuse to splurge on a silly gnome lamp I've been eyeing for years:
We also got "her" some gifts that are really more for our older son to use with her--music for them to listen to together, stories we can read aloud to both of them, matching pajamas, that sort of thing. If she were older and/or we didn't already have tons of stuff, I'd suggest something like a Sophie giraffe or a crib mobile--not strictly necessary, but fun for a tiny one.
A practical option to suggest to relatives might be a contribution to a 529K plan...or, in a more altruistic mode, a donation in the baby's name made to a charity like Room to Grow, which provides clothes and supplies to babies and kids who have less than our children do.
Diapers! And someone get that baby off the snow.
A NYTimes article that I could not agree with more...
"The best gift any of us can give to newborn babies is to point their sleep-deprived parents in the direction of a good 529 or other college savings plan and then seed the account with a little bit of money."
The child won't remember the first and second Christmas. Skip the gifts (let grandma and grandpa buy one or 2 toys) and try to direct everyone to a 529 plan.
Buy holiday gifts when the kids are older...
Here are a few baby stocking-stuffer ideas: Socks, baby food, spoons, binkies, small reusable containers for snacks or babyfood, hairbows/headbands, lotion/soap/rash cream, mittens, winter hat, sippy cup, little board books, etc.
My parents and in-laws have usually gotten our babies toys for their first Christmases, but I wish they would have gotten them diapers or given us a promise for a night of babysitting!
A 529 would be nice, but grandparents and family members are going to get your baby want they want to get them. And, this will continue as the baby gets older.
We used to put together lists for Christmas and birthdays for our son (now 5 1/2 years old), and specifically requested items that were BPA and lead-paint free, and did not require batteries. We also set up a savings plan and requested donations to that. However, after what seemed like the 100th plastic toy that smelled like chemicals when unwrapped from its packaging with multiple ties, and the multiple ride-on toys that bipped and beeped and soon broke, we simply gave up.
Thank goodness he's now into Legos and we can request that - at least it's educational and everyone knows what they are. :)
I agree with the idea of savings bond and that sort of thing. My dad bought a bond for our daughter's first Christmas and he said he'd do it every year. I also wanted to get her some keepsakes even though she was only 7 months and had no concept of what was going on. Books are the best, every year I buy her classic and write a note in it (this year it's Where the Wild Things Are). I also got her a Bla Bla doll because she can keep that forever and it will hopefully be special because it was her first present from Santa. I also started a tradition of getting her Christmas pjs. Of course they don't need or want anything, but I think it's nice to have something to hold onto that they'll remember as their first Christmas gift.
Oh and other nice classic keepsakes I love: Tiffany's rattle/sterling silver comb, Bunnykins bowl/cup, Playsam car, Hans Bolling ducks, Ursa the Bear from Areaware, Marimekko kids plate/bowl set and sterling silver cup with name engraved.
Coming from someone with 3 kids... the best gift for kids- wrapping paper, empty boxes, and ribbons.
They go crazy for them. That's the best part of the holiday for all 3 of my little kids...
Save money and get a few big boxes at the store, and wrap them up.
I think Baby's First Christmas ornaments (especially customized) are nice, especially when the family gets one new ornament every year for the child. By the time they are adults off setting up their own household, they have a starter set of very special decorations. (Assuming they shoose to decorate, of course.)
Can't go wrong with a simple cardboard box.
If the baby was born shortly before Christmas, ask the parents if there are items they didn't receive at the baby shower but could still use.
If the baby is old enough to actually play with toys, then something like a wooden rattle or a teddy bear? Nothing giant or plastic or that makes noise if you're not the one who has to live with it! Classic children's books are also wonderful.
Finally, I agree with everyone recommending baby's first Christmas ornaments. I have a handpainted teddy bear ornament my grandma made for my first Christmas and it is absolutely the most treasured item on my tree.
Taggie blankie- with a crinkly paper in it and ribbon tags all around.
Personalized book http://www.iseeme.com/
Kathe Kruse baby toys/dolls
A breathable baby toy: http://www.amazon.co.uk/Safe-Dreams-Safebreathe-Patch-Newborn/dp/B008VOIKJA/ref=pd_sim_by_4 . A perfect gift to please the parents too.
personalized photo album board book with names
The absolute best present? Relaxed (and financially solvent!) parents.
It's really for the parents, but I like those kits that let you make your child's hand print into an ornament. As for the baby, mine really enjoyed her Skip Hop play mat and ring stacker.
We got my daughter (8 months old at the time) a few books, a raggedy ann doll and a topsy turvy doll, christmas pj's, and a radio flyer wagon.
Weird, Pregnant Chicken just posted her list yesterday. It covers all ages' first Christmas.
Books. Begin their own little library of classic children's books. Even very small babies will enjoy Jungle Tales by Jellycat (which is more of a toy than a book):
But other titles include anything you loved as a child and:
Goodnight Moon (or any other book by Margaret Wise Brown)
Make Way for Ducklings
Curious George
Stella Luna
The Very Hungry Caterpillar
Chicka Chicka Boom Boom
Goodnight Gorilla
Blueberries for Sal
Where the Wild Things Are
Moo Baa La La La
Philadelphia Chickens
Time for Bed by Mem Fox
We're Going on a Bear Hunt
Mr. Gumpy's Outing
Busy Town by Richard Scarry
The Little Engine that Could
Ferdinand the Bull
Millions of Cats
and many many more.
board books, the boynton ones are great, it's good to start reading to them early
For our sons first Christmas last year, we decided to get one gift for him that was something he needed, so we bought an activity mat. Since we spent our money on one item (and let the grandparents buy the majority of the gifts) we will always remember what it was.
For my nephew it was an old remote control (sans batteries)....it was his favorite thing to eat.
My mother is European and bought my first son a stainless steel feeding set from the Netherlands. This was a family (or local) tradition when she was growing up and she still has her first plate/bowl. My son's set includes a shallow bowl/plate, a cup and utensils.
It was the best present he has ever received. It is beautiful, will last for years, non-toxic and we use it three times a day. I don't know why these sets aren't more popular in the U.S., especially because people know that eating off of plastic isn't healthy. We haven't been able to find a set as nice as my son's online and grandma had to go to a jewelry store in the Netherlands to get one for our second son, who was born recently. She's a flight attendant, so that wasn't a real hardship for her. For those of you who won't be in the Netherlands before Christmas, here's a link to a site we've ordered from but I'm sure you can find others: http://www.silversuperstore.com/baby/tantalyn.html.
First xmas ornament in a lidded box with lots and lots of tissue paper stuffed in there. Present for parents, present for baby, done! Crocheted rattles and PJs are also good gifts.
We didn't get our son any gifts for his first Christmas but I'm glad we got some first xmas ornaments as gifts. And we received some silly elf PJs as a gift that we'd never have bought but looking back at the photos, they were really precious!
Songs and nursery rhymes with an adult or older children, nothing better.
My son was six months at his first Christmas so he got lots of food-related gifts, as we were just starting solid food. My daughter was three days old last year so she got a stocking full of new baby toys. This year she'll be 1 and three days (still a baby, not walking), and shopping for her is a beast! Birthday AND Christmas!
I went to Baby Gap and found a tiny shearling vest in 5 sizes. Luckily, I have a baby relative celebrating her first Christmas. Could be the cutest thing ever!
Our first child was able to stand on her own, so I got a miniature play kitchen (from educo) she could stand at and open the doors, take things out etc. She loved tinkering around and I kept stocking it up with "mouth friendly" things. It really helped with fine motor skills and kept her super busy. Our 2nd child has no interest in standing at this point so he will simply receive another stroller activity chain from HABA. Their products are safe to mouth and it keeps him busy while out walking. Also, I have signed us up for a mommy and baby music class since he seems to enjoy music.
I have a very similar situation - my younger one's birthday is just after Christmas. Makes it really challenging when they are little. Hope this helps a bit: http://gotkiddos.blogspot.com/2012/12/babys-first-gifts-inspiring-ideas-for-0_5139.html
I love baby ornaments, and love giving them as gifts. My best source is babysfirstchristmasornament.com as they turn over often, and everything on their site can be personalized. I've ordered 7 or 8 times and the writing always looks like a caligrapher. Very professional.


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University of California
The California Backyard Orchard
Posts Tagged: sage
The Curl
In football lingo, a curl is a spin on a football, which makes it swerve when it's kicked.
Honey bees can also "curl."
I took this photo today of a lone bee curled on purple sage. The worker bee was gathering nectar in the summerlike weather.
"That's the same position a bee has to get in to sting you," observed UC Davis apiculturist Eric Mussen. "She can't lie flat to sting. She curls up and stings."
Like a comma.
A death "sentence" for her; a little pain for the victim.
The curl


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A Central Texas family is without a place to live after a fire destroyed their home Tuesday evening. The fire started at a home in the 1900 block of North 7th Street.
Temple firefighters responded to the scene shortly after 8 p.m. Tuesday evening. Firefighters entered the home, and attempted to extinguish the fire using an interior attack. The fire broke through the roof, and firefighters were ordered out of the house.
Officials say the family of 13 that lived in the home. two adults and 11 children, were able to get out safely with no injuries.
The attic and second floor had extensive fire damage, but the rest of the house had smoke and water damage. Officials do not know financially, how much damage was done.
Fire investigators determined the fire was unintentional, and believe it started in the attic. Yet, investigators do not know what caused the fire.
The American Red Cross is now assisting the family.
News Channel 25 KXXV-TV
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Are school boards under siege this year in the General Assembly?
A bill in the General Assembly would strip the Bibb County school board of its power to to tax citizens.
There seems to be a general sense among state legislators that school boards are inefficient and wasteful, although I have to point out that the General Assembly has its own moments of inefficiency and waste.
But because school boards deal with children, lawmakers seem to feel they have a moral imperative to act when they see what they deem serious failings. (See mess in DeKalb.)
And there are troubled school boards out there. But some of their troubles owe to the continued slashes to their state funding by the governor and state Legislature, a fact that we must acknowledge in any discussion on why school districts are in financial free-fall.
But I do get a lot of emails from readers about Bibb. However, the emails are often focused on the Bibb school chief rather than the school board.
I have written about the ambitious reform blueprint of Macon's new superintendent, the Macon Miracle. Superintendent Romain Dallemand's plan contains 100 action points, including closing schools, a dramatic restructuring of grade configurations, a move to year-around schools, Chinese classes, schools of choice that students could pick based on their interests and dorms for students in need.
At a press conference today on his bill to strip the Bibb school board of its taxing authority, State Sen. Cecil Staton, R-Macon, referenced Dallemand, saying the school chief at times shows "bizarre behavior."
According to the Macon Telegraph:
The Bibb County school board would lose its taxing authority under legislation being proposed by a state lawmaker. Sen. Cecil Staton, R-Macon, is set to announce the filing of local legislation Wednesday that would require the school board to present its final budget to the governing authority of Macon-Bibb County for review and approval.
For decades, the Bibb County Commission approved the school board's spending plan and tax levy. In 2004, though, Bibb County voters authorized the school board to set its own millage rate, and the board has done so since 2005. It was the last school board in Georgia to achieve that fiscal independence.
His legislation would reinstate the Macon-Bibb County Commission as the funding authority for Macon-Bibb County.
State Rep. Allen Peake, R-Macon, said Tuesday that he did not want to discuss what he knew about Staton's bill, but Peake did say he has been fielding calls from constituents who are worried about the school system's finances.
"There's just some real concern among our citizens that we are on a slippery slope to disaster, and it's time we do something," Peake said.
In a preliminary budget session recently, school officials said they will need to keep dipping into their financial reserves as operation costs increase and local and state tax dollars continue to decline.
Unless the district takes a different course, such as consolidating schools, the district's reserves could go from nearly $4.7 million in fiscal 2014 to nearly $7.6 million in the red the year after, based on preliminary projections that school officials shared in January.
The district is supposed to maintain a minimum fund balance of 8 percent of its projected fiscal 2014 budget expenditures of $185 million, or $14.8 million, according to school system documents.
More immediately, the school district may have to adjust its fiscal 2013 budget because of an anticipated increase in legal fees and payments toward the lease for the Macon Promise Center that the school district is set to start paying in April.
WGMT Channel 41 posted reaction from school board members to Staton's bill:
School board member Dr. Wanda West told us, "What disturbs me is that the board of education had not been involved in any conversation in discussing taking away its power to tax. I just think they've launched another battleship, when we should be forming partnerships. I don't think industry will come, and this community will not grow with a house divided. Change will always take place… But, when the changes become that major, the people ought to have input. This divisiveness is killing this community."
Lester Miller began serving on the school board in January. He said, "I understand there's been some problems recently prior to my tenure, but I think with a new board, a lot of those issues can be addressed. What we need to do is put all this behind us and get back to the business of taking care of the children. It's almost like the senators are cutting my feet out from under me. What's the point of having all these new board members try to get things back on the fast track, if you're going to turn around and tie our hands at the same time. I feel a little disheartened about this. Hopefully, the bill isn't as serious as it looks like it might be right now."
–From Maureen Downey, for the AJC Get Schooled blog
February 20th, 2013
4:11 pm
What happened to reasoned, deliberative debate? Our legislature seems to be focused on settling personal vendettas rather than doing what is best for students. How many teachers are in the legislature vs. how many lawyers, etc.?
The legislature does not need to be a place for people with vindictiveness in their hearts. That's how we got in this mess to begin with. I don't want to reference petty bureaucrats who want to "get even" with perceived wrongs. I want people running our government and schools who are thoughtful and rational! Is anyone with me on this?
February 20th, 2013
4:11 pm
Lets not get ahead of ourselves here. Now it's the legislators who are being irrational. We need checks and balances regarding holding local school boards accountable, but this measure is not demonstrating rational thought.
February 20th, 2013
4:21 pm
Seems like I am always negative, but I am not too far from Macon, and Bibb County's school system is the epitome of a cluster. A very large % of kids go to private schools there. (The number of black kids in the private schools there has increased.) Mt. De-sales, Tatnall Square Academy, Stratford and FPD are just a few of the thriving private schools there. Examine closely, Maureen, and you will see why they, along with smaller schools like Windsor and Central Fellowship will continue to thrive. Macon is the only city (now consolidated) that had partisan city elections. Since consolidation has passed, and along with it non-partisan elections, a group has now filed with the Justice Department. As usual (elephant in the room) race is a problem there, and will continue to be for the forseeable future. However, the school system in Macon is as "boogered up" as any.
February 20th, 2013
4:37 pm
Two points:
1) "Bizarre behavior" by the super. We need to elect superintendents. Then we can get rid of their sorry rear ends if they go rogue. Instead of just making a bare majority on a school board happy,the superintendent would have to answer to ALL stakeholders if he/she was elected.
2) Taking away taxing authority simply puts Bibb on a par with other counties. Nothing nefarious here,the model needs changing.
February 20th, 2013
6:04 pm
Cecil staton cheated Georgia Southern out of thousands in broadcast fees. He is hardly a good source about anyone's finances.
February 20th, 2013
6:35 pm
School boards are not under assault. BAD school boards are under assault.
February 20th, 2013
7:01 pm
I live in Macon and have a child in this district. I believe the newly elected board members should be allowed to try to right the ship before passage of a bill like this. If you really want to see how bad things are, take a look at our local news on Dr. Romain Dallemand. Our system is almost bankrupt because 5 board members gave him carte blanche with everything he wanted. In 2014-2015, we are looking at being $8M in the hole, after having a budget surplus of, I believe, around $29M prior to his arrival. Bibb County needs people who will stand up to this superintendent, and I believe we now have 4 on the board who will do what is truly best for our students. While Dr. Dallemand had over-the-moon ideas, some were good. Many were not, and many were and are expensive. We've been told on numerous occasions that if Bibb doesn't have the money, the new policy or expenditure won't be put into place. That never happened with the old board. Anything Dallemand wanted, Dallemand got. Hopefully our new board can provide a path back to fiscal responsibility and the fundamentals of education will be placed back into the teachers' hands. Don't believe me? Look at all the news articles from our area. Google him. You will be amazed at all the money he has spent, and even some of it on fine meals, hotels, and limos for himself.
February 20th, 2013
8:13 pm
Clear out Dekalb and give it a chance
February 20th, 2013
8:15 pm
most school boards are filled with business people who know little about schools, effective teaching, learning styles, curriculum, testing strategies, evaluation methods…… They get elected with a lot of money and then use the board for their own special interests. That's why school systems are so messed up. Things never change
February 20th, 2013
9:39 pm
If the Dekalb school board survives, I say let them sink ..it's the only way to show the dumbo voters in that county what happens when you elect lousy board members.
February 20th, 2013
10:22 pm
I hope Dekalb becomes Clayton County II. Let SACS revoke their accreditation. Put an amendment to the constitution to allow cities to create school districts. Let the rest of Dekalb rot. As Thurmond said – you elected them, so suffer the consequences!
February 20th, 2013
10:39 pm
Under seige? I certainly hope so. Every school board I've seen or heard about has lost it's ever freaking mind, and common sense! Raising taxes, bankrupting tax payers while spending like a U.S. president!! Best thing that could ever happen is to wipe the slate clean, and run schools by popular citizen vote!!
February 21st, 2013
6:30 am
Dave, You left out the part about how school boards treat teachers like charwomen or chai-wallah.
charwoman – a woman hired to do general cleaning, especially in an office or large house. char or (ironically) charlady is an English house cleaner. The term has the same roots as "chore woman", one hired to do odd chores.
chai wallah – street vendor selling chai latte; a boy or young man who serves tea. The official promotion of tea was as served in the English mode. In other words, like teachers serving tea to British royalty, which is the prevailing mode of how school boards view themselves.
Chai wallah, bring me a tea! Beat the chai wallah, teach them some respect!
February 21st, 2013
8:58 am
No offense, but if you think the cluster in bibb is going to improve, how 'bout that ocean-front property in Wyoming?
February 21st, 2013
6:13 pm
Skipper, no offense taken, but I am not as naive as your post implies. Our board members only took office in January. These new members were voted in exactly because they are good, upstanding people, and because the voters wanted people in who would stop the madness within the school system. So far, they have proven that is what they intend to do. Our superintendent is on his way out. It's only right that they be given an opportunity to turn the financial fiasco around, as the voters asked them to do. If this bill passes, the taxing authority goes to the newly, yet unformed, Macon-Bibb Commission. The people who are running in those elections know very little about education and their budgets or needs. I definitely don't want some who are running in charge of my education tax dollars. Our new board of education members do deserve a chance. If they fail, then we must push for a public vote to remove their taxing authority.
February 23rd, 2013
10:12 am
The problems in Macon are so much bigger. yes, race IS a problem. The inner-city schools are going to improve when the ghetto-culture outside the schools improves, and not before, too bad folks do not want to talk about it. All Macon has is power-grabbers who coulc care less about true betterment. Unfortunately, the schools aregoing to have to deal with the students they have. Home training is needed in Macon. The frickin' schools cannot perform miricles! Call it racial or whatever, but go to one of the ball games…….


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The Center for Adult Learning in Loveland has moved to the Loveland Community Life Center Building, 1511 E. 11th St. The center offers instruction to adults who want to obtain a high school equivalency diploma (GED), improve reading, writing, or math, and/or learn English as a second language (ESL). The center also has college-preparation classes. […]READ MORE
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Center for Adult Learning in Loveland moves to Community Life Center
Musical Trio to Perform Friday at FRCC for Harmony on the Green
Daddy Rab, a trio that plays pop, rock, reggae, funk, and the blues, will perform in a Harmony on the Green concert at 6:30 p.m. Friday, Aug. 8, at Front Range Community College. The hour-long performance will take place on the Larimer Campus Plaza, Harmony Road and Shields Street, Fort Collins. Daddy Rab members are […]READ MORE
GED Preparation Class Registration Underway at FRCC
Registration is underway for fall semester GED Preparation classes at the Boulder County Campus of Front Range Community College. There are classes for English speakers and Spanish speakers. Classes for English speakers meet for 2½ hours on Saturdays for eight weeks beginning Aug. 16. A second section begins Oct. 18. Two modules are offered – […]READ MORE
Big Increase in Business Consulting at Larimer Small Business Development Center
The Larimer Small Business Development Center (SBDC) provided more than 1,300 hours of free confidential consulting for clients in the first half of 2014, a 62 percent increase over first half 2013 and a reflection of the dynamic small-business environment locally. "We've done a lot of work over the past year to reach out to […]READ MORE


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Purpose of the USA is to make Israel envious and angry!
The United States has fulfilled another shameful prophecy about ourselves. God says we were used to make Israel envious and angry.
Deuteronomy 12:21 "I will make them envious by those who are not a people (USA-The Great Melting Pot of all Nataions). I will make them angry by a nation that has no understanding (The "dumbing down" of America)."
We need to fix our judges, media, government, schools, entertainment industries, financial institutions and families. Basically everything about us is broken because we have allowed and are allowing God to be removed from everything.
Welcome to the Give God Love Blog Site
Hello and Welcome to the Give God Love Blog Site! My name is Grandma Kathy. I am the site owner/manager. Since I run a working OTR truck, there can be several days between opportunities to answer postings. I will do my best as time and opportunities allow.
I will not respond to, or post, any bad, abusive or unprofessional language or opinions. So if you want attention, protect your professionalism and have it be legitimate.
Time is running out. It's time to stop splitting hairs and arguing minutiae. Give your decision to accept God and His plans serious, urgent and immediate attention.
God is worth everything!


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- The 2014 Big Picture on Cyber Security
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Search Tags: Nancy Sutley
White House environmental policy adviser Sutley to resign
After five years as chair of the White House Council on Environmental Quality (CEQ), Nancy Sutley will leave her position in February 2014. During Sutley's tenure, the Obama administration created the National Ocean Policy and Climate Action Plan.
Tags: White House , Barack Obama , people , Council on Environmental Quality , Shefali Kapadia
Sustainability Efforts: The grades are in
Federal agencies released FY 2011 sustainability scorecards indicating overall progress.
Tags: Green government , OMB , CEQ , USDA , Robin Heard , sustainability , Esther Carey , sustainability scorecard
Agencies to follow new greenhouse gas guidance
Based on lessons learned over the last two years, new guidance is coming to help agencies refine their greenhouse gas efforts.
Tags: White House Council on Environmental Quality , Green government , Federal Drive
Mixed progress on varied goals in agency sustainability score cards
The Obama administration announced the release of the second annual sustainability performance plan for federal agencies at the annual Green Gov Symposium.
Tags: Federal Drive , 2011 Green Gov Symposium , Green government , OMB , CEQ , Amy Morris , Tom Temin
Tags: 2011 Green Gov Symposium , CEQ , OMB , Green government , GSA , DoD , Dorothy Robyn , Energy , Tim Unruh , Michael Robertson
Your agency's energy consumption, under the microscope
A Senate subcommittee wants to know how agencies are saving energy and money.
Tags: management , energy conservation , Executive Order 13514 , Senate Federal Financial Management subcommittee , Senate Homeland Security and Governmental Affairs , Tom Carper , White House Council on Environmental Quality , Richard Kidd , Department of Energy , Dorothy Robyn , Department of Defense , Sam Pulcrano , USPS , President Obama , Max Cacas
White House's next contest: How would you green the government?
GreenGov Challenge starts today asking employees to submit ideas to lower the government's energy footprint. The contest ends on Oct. 31. A steering committee made up of senior agency officials will decide which ideas can be applied across the government.
Tags: management , White House , Council of Environmental Quality , Green government , GreenGov Challenge
Agencies recycle, reuse 16 million pounds of electronics
Office of Federal Environmental Executive recognizes six agencies for their green IT efforts. The government disposes of 10,000 computers each week, EPA estimates.
Tags: technology , management , Office of the Federal Environmental Executive , White House Council on Environmental Quality , Electronics recycling , green IT
Agencies going green and saving green
Energy conservation and saving taxpayer dollars are the goals of an Executive order to agencies signed by the President last October. But what are the special challenges of complying with that order for Executive Branch agencies? A Senate committee spent yesterday afternoon getting a progress report.
Tags: management , energy conservation , Executive Order 13514 , Senate Financial Management, Government Informatio , Senate Homeland Security and Governmental Affairs , Tom Carper , White House Council on Environmental Quality , Richard Kidd , Department of Energy , Dorothy Robyn , Department of Defense , Sam Pulcrano , USPS , President Obama , Max Cacas
GSA, EPA to green government using IT schedules
Tags: Green government , management , technology , IT , acquisition policy , acquisition , contracting , policy , EPA , GSA , National Strategy for Electronics Stewardship , Energy Star , EPEAT , electronic product environmental assessment tool , Martha Johnson , Lisa Jackson , recycling , Ruben Gomez


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2013 KIA RIO/RIO5: Kia's popular Rio 5-door hatchback and Rio 4-door sedan receives slight revisions for model year 2013, while continuing to provide class-leading horsepower and fuel economy of up to 40 miles per gallon. The two subcompacts are offered in three trims - LX, EX and SX - each outfitted with the 138 horsepower 1.6 liter gasoline direct-injection four-cylinder engine, and a choice of a six-speed manual gearbox (LX only) or fuel efficient six-speed automatic transmission. The optional Stop and Go technology is included with ECO package. Conceived at Kia's design studios in Irvine, Calif., the '13 Rio 5-door and its sedan sibling receive revised KIA badge on hood, trunk lid and steering wheel. Moving inside, the 2013 Kia Rio/Rio 5 greets driver and four passengers. New for 2013, is standard steering-wheel mounted paddle shifters on SX model, standard cargo floor tray and net, plus revised rear seat back flip-type handle. The sedan offers 13.7 cu. ft. of cargo room, while the hatchback increases the number to 15.0 cu. ft. Specific premium packages allow drive and passengers the benefit of a navigation system with SiriusXM Traffic, push-button start with Smart Key, leather seat trim, heated front seats, moonroof, 17-inch rims, dual chrome exhaust tips, projector headlights, plus LED accent lights and rear combination lamps.
Visit the official Kia site for more information


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An Interview with Michale Graves of the Misfits
Known for introducing the music sub-genre, horror-punk, The Misfits were a legendary punk-rock band of the 80s. Leading the band's revival in the 90s was the self-titled "music man," Michale Graves. Donning the Misfits' staple, skull make-up, Graves carried the band of punk rockers up to the new millennium and expanded their reach to the next generation. Though it has been over a decade since the last Misfits' record, Graves has continued to pursue a solo career as a singer-songwriter. Substituting face makeup for face paint, this husband and father of two is far from the former hard rock archetype he portrayed for many years. Promoting the release of his brand new album, Vagabond, Michale Graves shared with Grooveshark that an artist evolves just as much as the music they were put on this earth to create.
Michale Graves as frontman for the Misfits.


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