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Thanks to Alec Couros for tweeting about a great post that led me to this great tutorial about Google Hangouts and education.
Thanks to Alec Couros for tweeting about a great post that led me to this great tutorial about Google Hangouts and education.
I have been running a bit late and slow the past few days and have not written as much as I would have liked. On the other hand I have been thinking and reading a considerable amount. I don't want to make this a long post on what I have learned as that would take forever (possibly) but I thought I would just mention a few things that I accomplished and have learned on ETMOOC though I often feel like the teddy bear back at the very beginning.1. I have begun to use Twitter more. By that I mean that I am actually trying to contribute to the conversation rather than just be a lurker or a reader. I have had some success with this but no that I need to keep working on it. Twitter handle @heatherd1951. I use Tweetdeck on my desktop and Hoot Suite on my iPad.
2. I have been commenting on more blogs and working hard to have a conversation – again with some success but it will come.
3. I have researched a number of curating tools – Rebel Mouse, Mentor Mob, Scoop-it and Diigo. I haven't decided yet which one I am going to use. I am continuing to use Symbaloo but I need something with a bit more flexibility.
4. Google+ and Google Circles – this is a biggie as I have never really grasped what they should be used for. I am beginning to understand as I have expanded with the ETMOOC group and then discovered other communities. I decided to join the iPad Ed Community. My first task was to ask about ideas for deployment of apps on a lot of iPad carts hoping that I would get some ideas or confirmation that we were on the right track. I was amazed that within an hour I had 13 comments all with good suggestions and many with links that I was able to use. I appreciated the willingness of everyone to share and be open. I was also happy to find out that we were not the only ones that were struggling with the best way to handle so many iPads. It was nice not to feel alone. I was very pleased to be able to turn the suggestions over to the head of our Academic Tech area.
So I have made some connections – want to do more of that. Learned a considerable amount – want to do more of that and don't feel quite so overwhelmed as I begin to get more of a focus. It will be interesting to see what comes out of Digital Storytelling. I am ready to investigate, learn and hopefully contribute.
Related articles
Tags: #ETMOOC·Diigo·focus·goals·learning·mentor mob·Rebel Mouse·symbaloo·Twitter
It is Monday afternoon here in Guatemala City and outside my office our Elementary IT teacher is doing an excellent job of teaching a Grade 4 class about researching safely on the internet. In my office, I am not quite that organized either on my desk or in my mind. As you can see my desk is quite cluttered though I do have a nice view through a window to the outside behind me.
My mind is in much worse shape as far as organization but it is full of wonderful ideas and possibilities. This journey with ETMOOC is both amazing and overwhelming but I cling to the suggestion by so may experienced "Moocers" that there is a way through and to take it in small bites. So that is what I am trying to do.
I could spend all day just browsing through all the incredible information but I am going to try and get a focus. I had planned on doing more of that this past weekend but got hung up on listening to Simple K12 webinars on iPad usage and then on Sunday it was football day. While not having a team to really follow in the playoffs I still love seeing a good game and chatting with my family back in Canada about what we are all watching. So not as much got done as I would have liked.
So back to my review of Week One – What I have learned?
I attended or listened to the archive of all of the sessions offered and learned so much. I have already written about what I learned from the blogging session. Today I listened to the Curating and Social Bookmarking session. I have to admit that up until I listened to Jeff Heil do the session I had never really thought about curating information as opposed to just bookmarking it. I really appreciated the distinction that was made and I made a decision that I want to be more proactive with bookmarking and then beginning to curate the information. I think I need to narrow my focus a bit.
One of my favourite apps is Pocket formerly called Read it Later. It is so easy to just click the link and save anything so that I don't lose it but can get it later. The problem is that at the moment I have over 300 things in my Pocket that I have to read, some going back 18 months. This seems to be defeating the purpose. I am so afraid that I will lose something that is interesting or appropriate for what I am doing that I easily just put it in Pocket with great intentions. It reminds of the ease of ordering on iTunes or Amazon once your payment info is there. Click and off I go. The problem seems to be that I don't get back to it or don't seem to use the opportunities I have to revisit what I saved. I have decided that I need spend time this week either just getting rid of everything or decluttering my Pocket app.
I have an account in Diigo but have never really known how to use it. Jeff gave some excellent suggestions. He also talked about Scoop it! (unfortunately I couldn't get the link to work so please search) which is an app I have had on and off my computer. Someone talks about it and I think it sounds great and I use my account again and then I get frustrated because I don't feel like I am using it properly and I take it off. I am committed to learning how those two tools work.
My take away this week – I have met a number of nice people and I am proud of all the Canadians that keep popping up. I am committed to blogging for myself and not for others. I am going to investigate Diigo and Scoop-it! and I am using Twitter more and more.
That is a good amount of learning for this past week. I am proud of myself and have set goals that I think are reachable.
Tags: #ETMOOC·blogging·Diigo·focus·goals·learning·Pocket·Scoop it!·Twitter
I am learning so much that I can't begin to keep up even with this blog but I think I will go for shorter posts and maybe that will work.
Last night I had the opportunity to attend the session in Blackboard led by Sue Waters. I have long been a fan of Edublogs even when I couldn't use it in China because it was blocked. I faithfully would follow the instructions and dream of the day that I would be actually be able to use it with a class. Well, that time is now except I am not in the classroom anymore but working as a Technology Integration Specialist for Grades 2-5. I have found a couple of teachers that are interested in blogging with their classes this year and so I am going to introduce Edublogs to them.
The session wasn't just about Edublogs but about blogging as a whole. It got me thinking about why I tend to be a lurker more than commenting and why I don't write regularly on my blogs. I have three blogs or rather four when you count this one and am a big believer in blogging but for some reason I don't do it with any regularity. The blogs all have different foci (just learned that word by the way). I have a professional blog, this ETMOOC blog, a personal blog that is suppose to recount my travels and a spiritual/faith journal.
Back to the session last night and my takeaways. There were several points made that I thought were excellent. I was also proud of myself that I participated in the conversation in the chat room and was able to be honest. All about trust you know….. We talked about commenting and how that is the way you have the conversation. My frustration, which I voiced in the chat, was that when I do decide to comment I try to make an intelligent comment and often am really putting myself out there with openness and yet do not get any response back from the blogger to whom I responded. I am then not sure whether what I said was considered ridiculous or not important. That lack of response seems to intimidate me and I respond less. While I don't get that many comments on my blogs I do try to respond to whomever comments even if it is just a thanks for their comments. I realize that I need to maybe write more there.
The other take away was on finding my own blogging voice. ("Wait – what's your blog voice, you ask? It's the tone, the personality and the persona you carry each time you share content on your blog. Master your voice and the rest is a cake walk. Okay, maybe it's not a cake walk. But it's way less intimidating.") http://smallbiztrends.com/2012/03/the-3-step-process-for-creating-your-blog-voice.html This article is not about education but small businesses but I found it to be a good read about blogging voice. When I am talking and when I am writing an email I don't have any problem being my own person, having my own personality. So often people say when they read an email I wrote that "it was just like you were telling me f2f". But when it comes to blog I seem to get bogged down.
I am not a technical or pedagogical blogger though I can do this if required or it is necessary to the situation. I tend to be a blogger who shares what is going on or what I am trying. Because of the very nature of how I blog I get stuck because I wonder who would ever be interested reading what I write.
That brings me to the third and for now final takeaway. I have to stop thinking about who will read what I write and write for myself first and foremost. While it is wonderful to have someone read what I have written it must be first and foremost for me. I need to stop thinking about how my post will be received and write from my heart.
OK, it turns out that I may not be capable of writing shorter blog posts.. hmmmm!!!! but at least I feel like I shared what I took away from last night. Hopefully, it is posted in the archive and if so I would encourage you to listen to it.
Tags: #ETMOOC·Edublogs·Sue Waters
I was very excited when I read about the ETMOOC and quickly signed up not really knowing what I was getting into but I thought the topics looked interesting and I love learning. I also figured anything I learned would benefit the teachers I work with. I am always looking for ways to bring them ideas of how to incorporate authentic technology (that is such an overused phrase) into the classroom. So I was signed up and I began investigating exactly what I was going to be doing. Even after an excellent session with Alec Couros in Blackboard I was still not exactly sure what was going on. I enjoyed the discussion but was overwhelmed by some of the pedagogical ideas that came out. Was I into something that was going to prove to be too difficult? (No, I never accept that as a reason.) Was I into something where I would not be able to make a contribution with my point of view? Was my sometimes simplistic approach to this subject going to hinder me from moving forward or establishing relationships or being part of a conversation? I was a bit taken back by the negative comments that I read from people who had taken a MOOC before and didn't always view it as a positive experience. This was a bit disheartening. I know it wasn't intended that way but it was how I interpreted some of the comments. I decided I needed to know a bit more about what was going on. That is when I found Dave Cormier's You Tube video. It is an excellent and very clear explanation of what a MOOC is and how it is best to approach it. I now have a better way to approach this challenge and am looking forward to it. Still much too learn and much to do but excited.
Tags: #ETMOOC·DAVE CORMIER·VIDEO
I used Animoto for the Introduction.
I also mentioned a You Tube link so you could see an New Zealand All Blacks Haka. This is done before every game and is a Maori Tribal Dance. I choose this one because it is the All Blacks against Tonga another tribal nation. Hopefully, you will enjoy.
Tags: #ETMOOC
January seems to be the month for online professional development courses and I have been trying to determine what I want to learn. When I came across a blog (can't remember which one right now) mentioning the #ETMOOC I read it with great interest. To be perfectly honest I did have to look up what MOOC stood for and got an in depth description from Wikipedia. Then I moved over to the website and decided right then that I wanted to be part of this experience. So here I am. I am excited to meet a world wide community and learn things I can share with my teachers.
I decided to set up a new blog for this course but have links over on the side of my other blogs. I am an infrequent blogger much to the disappointment of my friends when I don't write about my life in Guatemala. Oh well. maybe I will get better at it.
The picture at the top of my blog is taken in Guatemala City and is the volcano Agua. The picture is a bit stretched but it was a beautiful view during Christmas and I couldn't resist including it in my blog.
The pictures below are from our beautiful campus in Guate.
Tags: #ETMOOC


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(Photo Courtesy Georgia Lottery Corp.)
One North Pole man hit the jackpot, literally.
56 year old James Scoles won the 1 million dollar jackpot lottery in Georgia along with his two friends Kenneth Wilson and Sanford Watson both residents of Georgia.
The three friends made a pact years ago to share any large winnings and they are doing just that.
Picking the 5 winning numbers, 3-7-21-44-53, the trio beat the odds.
Scoles, a special education paraprofessional at North Pole High School said he plans to bring home a Georgia honey-baked ham, smoked turkey and some barbecue sauce.
Seen in the link below, Scoles accepts the winnings with his friends and says, "I still believe in Santa Claus and this is such wonderful news!"

subset: commoncrawl


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Black Diamond Necessaire
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Manufacturer's Description
Visit Black Diamond's Necessaire page.
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Offered Programs
Treatment Center:
2210 Sutherland Ave., Suite 115
Knoxville, TN 37919
Toll free 800.675.2041
Intensive Outpatient Program for Eating Disorders
Located minutes from the University of Tennessee campus, Focus Treatment Centers in Knoxville is conveniently located in a beautiful refurbished warehouse turned office building.
Our program consists of 3 three-hour group sessions per week with 6 to 10 patients per group. The sessions are in the late afternoons/ early evenings in order to provide intensive treatment with the least amount of disruption to the patient's work, school, or family schedule. The groups are "open," with new patients coming in as other clients move on to less intensive levels of care.
This is a place of hope, a place to heal, and a place to truly discover who you are.
Treatment Components
View Eating Disorder Outpatient Program FAQ
Our Clinical Team in Knoxville
Our team in Knoxville is comprised of experienced and caring leaders in the field of eating disorders. Each member of the multidisciplinary team brings unique strengths to the program and also brings kindness and compassion to their work with every patient. The team works closely together throughout every week to provide the best possible patient care.
Anita Johnston, PhD - Expert Consultant
Eating Disorder Treatment Program Senior Advisor and Clinical Consultant Dr. Anita Johnston is a world renowned eating disorder specialist.
Dr. Johnston is the founding Director of the Anorexia & Bulimia Center of Hawaii (founded in 1982) as well as the founding Clinical Director of the 'Ai Pono Intensive Out-Patient Eating Disorders Programs in Honolulu. She is the author of Eating in the Light of the Moon: How Women Can Transform Their Relationships with Food Through Myth, Metaphor, and Storytelling, which has been published in five languages.
Dr. Johnston's work is integrated in our eating disorder program. She provides clinical staff training, consultation and program development. In this brief clip Dr. Johnston explores the nature of eating disorders. She uses the metaphor of "The Red Herring" to illustrate the complexity and the challenge of recovery.
Dr. Johnston is a graduate of the California School of Professional Psychology, Ph.D. in Clinical Psychology.
Siri Khalsa-Zemel, MS, RD/N - Administrative Director
Siri completed both her undergraduate and graduate degrees in nutrition science from the University of Tennessee, Knoxville and is a Registered Dietitian and Licensed Nutritionist. After nearly 10 years of working in the fields of obesity, weight management, and binge eating disorder, Siri is currently expanding her education through PhD studies in Mind Body Medicine, with a specialization in healthcare systems. Siri's academic pursuits fuel her to lead Focus's Intensive Outpatient Programs for Eating Disorders with a great depth of passion, strong knowledge base, and forward-thinking ideas.
Gail Gnade, PhD - Clinical Director
Dr. Gnade is the clinical director in Knoxville. She holds a Ph.D. in Clinical Psychology from the Fuller Theological Seminary and is a Licensed Clinical Psychologist in the State of Tennessee. She has experience working with patients who suffer from eating disorders, mood disorders, anxiety and personality disorders. She also conducts individual, family and chemical dependency therapy. She has served as guest lecturer speaking on such topics as "Chemical Dependency: The Development Model of Recovery," "Women and Mental Health," "Eating Disorders: A Bio-Psychosocial Perspective". Gail's breadth of experience positions her as an ideal clinical supervisor for patients and staff alike, providing kind and clear guidance.
Martha Stanojevich, LCSW
Bio coming soon…
Jean Creswell, MS, MHC, NCC
Jean completed her MS in Mental Health Counseling at the University of Tennessee. Using ACT and Rogerian approaches, Jean works with clients' individual strengths and values to encourage optimal living and wellness. In addition to facilitating treatment groups at Focus, Jean also manages insurance and many other behind the scenes tasks for patient care.
Teran Moon, MS, RD/N
Teran has more than 17 years of experience as a Registered Dietitian and as a Tennessee licensed dietitian/nutritionist. Teran received her BS degree from the University of Mississippi in Dietetics and her MS degree in nutrition science from the University of Tennessee at Knoxville. She maintains a private practice in Knoxville working with clients with eating disorders, weight issues, cardiovascular disease, hypertension, and sports nutrition.
Peggy Pratt, PhD, RD/N
Peggy Pratt has practiced as a Registered and Licensed Dietitian for over 22 years. Her experience and expertise can be found in the areas of weight management, diabetes, cardiovascular health, women's health, child nutrition, eating disorders and food management.
Peggy received her PhD in Nutrition with an emphasis in Institutional Management from Texas Woman's University. She also holds a Master of Science in Nutrition from Texas Woman's University and a Bachelor of Science in Dietetics from Kansas State University.
She has taught dietetic students at Texas Woman's University and the University of Texas Southwestern where she further developed her love for the culinary arts, organic foods, and research. She is active in the Knoxville Academy of Nutrition and Dietetics and consults with many churches, businesses, and fitness clubs in the Knoxville Area. She often participates in public speaking events and enjoys educating people in the areas of emotional and physical health.
Katie Rosas
Katie completed her undergraduate degree in Hospitality Management from Florida International University. She has 17 years of experience in personnel and facilities management. Katie also volunteers in the community. aiding women in recovery from substance abuse and helping them re-integrate into society. Katie is the Community Outreach Specialist and also coordinates the Alumni Program in Knoxville.
Sarah Childs
Sarah received her Bachelor of Arts from the University of Tennessee, where she studied psychology and business administration. She has experience working at residential treatment centers and as a youth care worker, where she worked with adolescent girls who have experienced family crisis as a result of moderate to severe behavioral, emotional, or related substance abuse issues. Sarah currently serves as the office manager, providing support to the clinical staff, as well as coordinating with each patient.


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Brown and green stripes on an outdoor loveseat cushion will provide a pop of color to your patio area. The cushion is designed to fit many outdoor loveseats or benches as part of a collection from Target that has several coordinating pieces. Cushion ties securely to your existing furniture, so there's no fear it'll blow away on windy days. Plus, it'll look stylish whether used for wicker, wrought-iron, or wood furniture. Designed to resist fading.
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- Care and Cleaning: Spot Clean
- Cushion Seat Dimensions: 6" T x 6.0 " D x 44.0 " W
- Sofa-Loveseat Seat Cushion Dims: 44.0 " W x 18.5 " D
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text: In the year 2001 Electric hit the glasses market like an high voltage shock, making established brands tremble in fear. With rebellious design, punk attitude and genuine quality Electric continues to float like a threatening force field over the competition and the Electric team is also a collection of real live wires: Peter Line, Mikey Rencz, Andreas Wiig and Iikka Backstrom. Skate: Pierre Luc Gagnon, Kellen James and Larelle Gray. Surf: Dave Rastovich, Ozzie Wright, Luke Steadman and Dusty Payne.


text: The Miami Heat overwhelmed the Oklahoma City Thunder in Game 5 last night 121-106, to win the franchise second NBA title and LeBron James' first. LeBron had a playoff run for the ages and his dominant performance in the NBA Finals cemented his place amongst the very best all-time. Love him or hate him, you should appreciate him. Already the best player in the game the past couple of years, through hard work and sheer grit, his game has now evolved, and he showed he can excel under more pressure and public scrutiny than any athlete before him. Even his remaining naysayers cannot deny his greatness now. King James has finally earned his crown and may end up wearing it for a while.


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- Sam Ash Gift Guides
- Hot Deals
- Guitars
- Bass
- Accessories
- Live Sound
- Keyboards
- Microphones & Wireless
- Recording
- DJ & Lighting
- Drums
- Books/DVDs
- Band/Orchestra
To automatically re-order this item before you run out, select the recurring order option during checkout.
Based on the bestselling Fender Custom Shop Wall and Mini Calendars, Sellers Publishing has worked with Fender Custom Shop to create a daily calendar that is sure to please even the most discerning guitar and music afficionado. Each page features four-color photography of these one-of a kind Fender guitars. Filled with 300+ pages of great photos, the calendar is attached to an easel that can either sit on a desktop or hang from the wall


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...homemade, fan blade, one girl, submarine ride.
|i'm seeking, trying to fulfill my infinite curiosity.
i'm a photographer in development, a music addict learning to play the guitar & an obsessed traveler. i'm also an oddball, freethinker, who likes to read (shocking) and is stubbornly independent.
at the end of the day : "i'm in the war of my life, at the core of my life, got no choice but to fight 'til it's done" (jm - war of my life)
BUTTERFLIES are seriously filling my stomach!!!! This is insane! The anticipation is NUTS!!!
Good night!
All of this ^^^^ (except the mole, I just don't care anymore)
Beautiful Scandal graphic! I'm looking forward to that title cut too - "Directed by Tony Goldwyn."


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'Knight Rider' Movie Gets 'Wild Hogs' Writer Brad Copeland
The original series starred David Hasselhoff as Michael Knight, a crime-fighter that is aided by a futuristic talking Trans Am called KITT (Knight Industries Two Thousand). The show was rebooted by NBC in 2008 featuring a Ford Mustang as the A.I. infused vehicle with Justin Bruening starring.
Brad Copeland is best known for his work on Arrested Development and The Inbetweeners. He also wrote Walt Becker's comedy Wild Hogs and makes his directorial debut with the upcoming indie comedy Coffee Town.
No production details have been released.
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I'd be more optimistic about this if they said Hasselhoff was involved. He truly knew the flavor of this series and the human story behind the fancy stunts etc of a AI Car that wants to learn what it is to be human. If they bring that element back into it with the right writers, it has a shot but I'm not sure that format's right for a movie as a TV series fleshes it out more properly IMO.
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TUESDAY, Aug. 31 (HealthDay News) -- Personal music players may
pose a major risk to hearing if they're played too loudly or for
too long, researchers report.
The 24-year study included 8,710 girls from poorer families,
average age 16, whose hearing was tested when they entered a
residential facility in the northeastern region of the United
States. Between 1985 and 2008, high-frequency hearing loss -- a
common result of excessive noise exposure -- among the girls nearly
doubled, from 10.1 percent to 19.2 percent.
Between 2001 and 2008, personal music player use among the girls
rose fourfold, from 18.3 percent to 76.4 percent. During that same
period, high-frequency hearing loss increased from 12.4 percent to
19.2 percent, and the proportion of girls with tinnitus (ringing,
buzzing or hissing in the ears) nearly tripled, from 4.6 percent to
12.5 percent, the investigators found.
Girls who listened to personal music devices were 80 percent
more likely to have impaired hearing than those who didn't use the
devices, the study authors reported. Of the teens with tinnitus,
99.7 percent used the devices.
However, while the findings show an association between personal
music players and hearing problems, it doesn't show
cause-and-effect, noted study author Abbey Berg, a professor in the
biology and health sciences department at Pace University in New
York City.
Other factors in the girls' lives -- such as poverty, poor air
quality, substance abuse and risk-taking behavior -- could add to
the effects of noise exposure from personal music players, she
The findings, released online Aug. 31 in advance of publication
in an upcoming print issue of the
Journal of Adolescent Health, indicate the need to improve efforts to educate young people about safe use of personal music players, Berg suggested.
"You have to target them at a much younger age, when they are liable to be more receptive," she said.
More information
The Center for Hearing and Communication has more about
noise and music.
Please be aware that this information is provided to supplement the care provided by your physician. It is neither intended nor implied to be a substitute for professional medical advice. CALL YOUR HEALTHCARE PROVIDER IMMEDIATELY IF YOU THINK YOU MAY HAVE A MEDICAL EMERGENCY. Always seek the advice of your physician or other qualified health provider prior to starting any new treatment or with any questions you may have regarding a medical condition.
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Ticket Info
Workshop Admission: $20
Professional Arborist and long time tree expert Bob Berry who has a history with Payne's Nursery, will be leading this workshop using the farm's fruit tree orchard as the backdrop for the class. This workshop will cover all the ins and outs of proper tree pruning and Bob will be able to answer questions you may have about how to take care of your trees (fruit or other). During this afternoon session, you will learn why, when and how to properly prune and manage your trees from the expert himself!
Sign up today. Register with this link.
Santa Fe Community Farm
Address: 1829 San Ysidro Crossing


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> Subscribe Now!
> Web Exclusives
Simply confirm your registered email address below and click "Reset Password." We will immediately email you a link back to the site where you can enter a new password for this account.
We've found your existing Orange Coast Insiders account. Please login below to complete the Facebook login process.
(Ongoing event) These nighttime outings delve into the underwater world and its glow-in-the-dark marine life. $22 to $35. 24200 Dana Point Harbor Drive, Dana Point, 949-496-2274, ocean-institute.org
Copyright © 2014. All rights reserved.


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airaceproductions asked:
Hey Zack! I currently have a Canon 17-40mm f/4L that I don't use very often due to having a 24-105mm that goes almost as wide and longer. I am thinking of selling it in order to get a 70-200 f2.8L non IS for even more length and its 2.8 aperture for more versatility when I'm shooting. What are your thoughts on a move like this?
That would be a perfect move I think. If you can live within 24mm then your thought process is right on the money.
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The Perfect Meat Loaf .
Are you sure you want to delete this recipe?
This recipe was uploaded by Samiuk
Get a large mixing bowl , add the paxo into bowl and cover with hot water and mix well . Put the oven on to preheat at Gas mark six or 170f Cook/fry the spinich and then drain all the water away Fry the onions and garlic intill slighty golden. Now get the large mixing bowl and add the following to the stuffing Add the two portions of meat Add four tea spoon of Canberry sauce Add the spinich Add the garlic and onions Add the peas ( without the water from the tin) Add two large heaps of English mustad Add salt and pepper Add a good sprinkle amount of italian mixed herbs Add some olvie oil , just drizzle over the top to help mix. Now wash your hands and give it a good mix and squeeze intill its all nicely combined together and then put to the side to marinate for a few minutes. Now get the whole mixture and make it in to a log shape / a loaf of bread. spinkle some black pepper seeds across the top . Now place it and wrap it in silver foil and place it in the oven on a tray . Best to let it cook for just an hour, and towards the end of the hour take out of foil and place it on a tray in the oven to let it cook through and take it out when it looks nice and brown . when cooked place on a board and slice it up nicely and serve with what ever you fancy , it goes great with a bit of mash and gravy. Hope you enjoy Sami


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Codename Grillfire
Mariani Lawsuit against G. W. Bush
Study Participants
C-Battery 2 / 81st FA, US Army
Col. Robert Morrison, Maj. Joe Dipiero, Lt. Michael Teague, Sgt Maj. McKay, Sgt Middleton, Sgt Arroyo, Sgt Murray, Sgt Edwards, Sgt Broder, Sgt Steadman, Sgt Wolford, Sgt Jackson, Sgt Riggs, Sgt Garza, Sgt Meralas, Sgt Taraza, Sgt Spears, 1st Sgt Ray, Sgt Terry Henderson, Sgt Barber, Cpl Picket, Cpl Wisner, Richard Seanz, Berni Domoski, George Cinch, Harry Waldren, Tom Kimber, Rick Lyons, Michael Hubbert, Dan Henderson, Martian Seals, Jake Asuit, Bruce Levine, Thomas Gumbs, Rick Bruns, Dennis Montoya, Phlash Richardson, Fetch, Bob Bender, Johnson, Drew Cousins, Terry Cook are some other participants.
Civilians I told of this Study in the 1970's, 80's, 90's.
Dana and Karen Thomas, Don and Judy Anderson, Mike and Doug Swanson, Pete Summerness, Jay Johovich, Jeff Eddy, Bert Eddy, Brian Eddy, Gene Humphries, Candy Parker, Jay Hayes, David Haravel, Suzi Ray-McNiven, Charles A. Plunkett, Janice Hatton, Richard Guthrie, Frankie Guthrie, Buddy Clinger, David Hunter, Rick Bear, Dennis Vilhauer, David Parker, are some of the people from the Everett, Wa area.
Carl Colletti, Sandy Colletti, Tommie Colletti, Rick Hanson and Laura Colleti - Hanson, Van Hanson, Bobbi Web, Ray Jarmillo, Toby Jarmillo are from the Albuqurque, NM area.
If you know any of these People or of their whereabouts Please contact them or contact the web sites email. Thank you.


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The Sioux City Musketeers made five selections in the 2012 United States Hockey League (USHL) Futures Draft. This year's draft was made up of 1996 born players.
The Musketeers used two picks in the first round to draft forward Nick Magyar with the 4th overall pick while opting for defenseman Robert Nardella with the 8th overall pick.
The 6'2" Magyar recorded 94 points (42g, 52a) in 59 games played for the Cleveland Barons U16 while the gifted rearguard Nardella notched 17 points (5g, 12a) in 29 games played for Chicago Mission midget minor.
"I'm very pleased with the way the draft unfolded," said Head Coach and General Manager Brett Larson. "We got two high end kids at two different positions in the first round and then supplemented Magyar and Nardella with some really exciting talent. The staff did a great job." The organization also selected Selects Academy forward Joseph Snively in the 4th round, St. Louis Blues midget minor defenseman Bradley Johnson in the 5th round, before rounding out the draft with Edina Minnesota High School power forward Cullen Munson in the 6th round.
Sioux City also has 1996 born Belle Tire defenseman Ryan Mantha in the fold after the Musketeers tendered the 6'4" blueliner last week.
Magyar and Nardella were the prizes of the draft with the Musketeers having two first round Futures picks for the first time in franchise history.
"Nick Magyar is a big, skilled forward who is great down low in the offensive zone," said Musketeers Assistant Coach Mark Abalan. "He takes the puck to the net as well as any player at that level." The 5'7" Nardella, whose father Bob was an elite scorer for the Des Moines Buccaneers, was one of two defenseman chosen by Sioux City.
"Bobby has unreal smarts and is unbelievably poised with the puck," said Assistant Coach Keith Paulsen. "In our opinion he was the smartest defenseman in the draft and the best decision maker." The Musketeers will further booster the pipeline when Sioux City participates in the 2012 Main USHL Draft on May 22nd. 2012 Musketeers Futures Draft Picks Bios Nick Magyar - 1st Round - 4th Overall Position: Left Wing/Center Shoots: Right Hometown: Mentor, OH HT: 6'1" WT: 174 lbs Previous Team: Cleveland Barons U16 (Tier 1 Elite) College Commitment: Ohio State Bobby Nardella - 1st Round - 8th Overall Position: Left Defenseman Shoots: Left Hometown: Melrose Park, IL HT: 5'7" WT: 140 lbs Previous Team: Chicago Mission Midget Minor (HPHL) College Commitment: None Joseph Snively - 4th Round - 57th Overall Position: Left Wing Shoots: Left Hometown: Herndon, VA HT: 5'7" WT: 140 lbs Previous Team: Selects Academy (CT-HS) College Commitment: None Bradley Johnson - 5th Round - 65th Overall Position: Right Defenseman Shoots: Right Hometown: Chesterfield, MO HT: 5'9" WT: 160 lbs Previous Team: St. Louis Blues Midget Minor (Tier 1 Elite) College Commitment: None Cullen Munson - 6th Round - 87th Overall Position: Center Shoots: Left Hometown: Edina, MN HT: 5'11" WT: 172 lbs Previous Team: Edina (MN-HS) College Commitment: None
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Today in History, Nov. 26
Today is Monday, Nov. 26, the 331st day of 2012. There are 35 days left in the year.
Today's Highlights in History:
On Nov. 26, 1950, China entered the Korean War, launching a counteroffensive against soldiers from the United Nations, the U.S. and South Korea.
On this date:
In 1789, Nov. 26 was a day of thanksgiving set aside by President George Washington to observe the adoption of the Constitution of the United States.
In 1842, the founders of the University of Notre Dame arrived at the school's present-day site near South Bend, Ind.
In 1941, a Japanese naval task force consisting of six aircraft carriers left the Kuril Islands, headed toward Hawaii.
In 1943, during World War II, the HMT Rohna, a British transport ship carrying American soldiers, was hit by a German missile off Algeria; 1,138 men were killed.
In 1973, President Richard Nixon's personal secretary, Rose Mary Woods, told a federal court that she'd accidentally caused part of the 18½-minute gap in a key Watergate tape.
In 1986, President Ronald Reagan appointed a commission headed by former Senator John Tower to investigate his National Security Council staff in the wake of the Iran-Contra affair.
In 1992, the British government announced that Queen Elizabeth II had volunteered to start paying taxes on her personal income, and would take her children off the public payroll.
Today's Birthdays: Impressionist Rich Little is 74. Singer Tina Turner is 73. Pop musician John McVie is 67. Country singer Linda Davis is 50. Blues singer-musician Bernard Allison is 47. Country singer-musician Steve Grisaffe is 47. Actress Kristin Bauer is 39. Actor Peter Facinelli is 39. Actress Maia Campbell is 36. Country singer Joe Nichols is 36. Contemporary Christian musicians Randy and Anthony Armstrong (Red) are 34. Actress Jessica Bowman is 32. Pop singer Natasha Bedingfield is 31. Country singer-musician Mike Gossin (Gloriana Rock) is 28. Ben Wysocki (The Fray) is 28. Singer Lil Fizz is 27. Singer Aubrey Collins is 25.
To comment you must first create a profile and sign-in with a verified DISQUS account or social network ID. Sign up here.
Comments in violation of the rules will be denied, and repeat violators will be banned. Please help police the community by flagging offensive comments for our moderators to review. By posting a comment, you agree to our full terms and conditions. Click here to read terms and conditions.


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Oil & Gas
Clark Hill attorneys have wide-ranging experience in the oil and gas industry, representing independent distributors, transporters, retailers, and environmental consultants. Clark Hill offers a full range of legal services to industry marketers based on extensive industry knowledge derived from years of representing our clients in state and federal courts and in administrative proceedings across the nation. Additionally, Clark Hill attorneys have state-of-the-art expertise in negotiating commercial contracts for the distribution, supply and transportation of oil and gas. Our attorneys also provide regulatory counseling - negotiating environmental contract provisions and conducting due diligence audits in connection with mergers, acquisitions and project financing.
Clark Hill's oil and gas practice has extensive experience in handling all aspects of:
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Fiona Beckett in the Guardian (22 March 2013) recommends some Easter wines from independent wine merchants:
This famous Rioja bodega was founded in 1885 by Don Felipe Lagunilla San Martín, who is credited with rescuing Rioja's vineyards from the phylloxera epidemic, through his pioneering work in grafting vines onto American rootstocks.
- Domaine du Seuil Premières Côtes de Bordeaux 2005 from Davis Bell McCraith in Bristol
approximately 60% Cabernet Sauvignon, 35% Merlot and 5% Cabernet Franc. The red grapes are hand and machine picked, these are left to ferment on their skins for 15 days under temperature controlled conditions in stainless steel tanks and then some of the wine is aged in oak. Oak aged wine is re blended prior to bottling to add greater complexity to the wine.


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Chris Hoke announces his retirement Steelers' nose tackle, Chris Hoke, has announced that he will retire after 11 seasons with Pittsburgh. Originally signed as an undrafted rookie free agent out of Brigham Young University in...Read More
Okay. The first two games of the season have been a little frightening. First they dominate the Browns in the... Read More ↔
Football is back ladies and gentleman. No longer do we have to wait for the sweet sounds of the crowd... Read More ↔
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Polio, Anatomy of a Hoax (Part 2) Investigative Journalist Sherri Kane and Dr. Leonard Horowitz on The Jenny Hatch Radio Show
More on this topic HERE in the post titled Polio, Anatomy of a Hoax (Part 1) My special guests on The Jenny Hatch Radio Show today were Sherri Kane and Dr. Leonard Horowitz. We discussed the history of the Vaccine Scam known as Polio and how it has been the foundation for decades of Vaccine Fraud ever … Continue reading
The Book of 528 Len Horowitz and Sherri Kane on The Jenny Hatch Show
Click here to watch the whole interview at One True Media The hard Copy of the Book of 528 Prosperity Key of Love shipped this past week and my edition of the book arrived in the mail on friday. I had been reading the e-book copy a little bit on my Ipad, but with both copies … Continue reading
Blogging Can Be Dangerous…Especially when the Trolls and Troglodytes of the New World Order don't like what you write
In this Video Presentation, a Podcast that was recorded on my Blog Talk Radio Show, I detail the various brutal tactics that have been used against me and my work.
Sherri Kane and Dr. Leonard Horowitz interviewed by Jonathan Mark of Flyby New/9/11 Truth Movement on July 1, 2010
Sherri Kane and Dr. Leonard Horowitz interviewed by Jonathan Mark of Flyby New/9/11 Truth Movement on July 1, 2010 Some of you watching this interview may wrongly think that because I have shared so much information from Sherri Kane and Leonard Horowitz on this blog, that I must believe everything they say one hundred percent, … Continue reading
Leonard Horowitz, Sherri Kane, and Jane Burgermeister interview
Listen to internet radio with Jenny Hatch on Blog Talk Radio My Special Guests on The Jenny Hatch Radio Show tomorrow morning will be Leonard Horowitz, Sherri Kane, and Jane Burgermeister. More on Janes Case. Click Here! To learn more about Dr. Horowitzs work, Click Here! Read Sherri Kanes Blog. Click Here! More on Janes … Continue reading
From Dr. Leonard Horowitz: London–Drug industry officials blamed for conspiring against people worldwide in the fraudulent World Health Organization (WHO) swine flu campaign of 2009, are now linked to two murdered journalists. The conspiracy, in which a third of the officials on the emergency committee are now criminally implicated for promoting a false fright to … Continue reading
Radio Show: More H1N1 Vaccine Miscarriage Stories
Go here to listen to this broadcast on Blog Talk Radio Watch the whole podcast at One True Media Read the Miscarriage Stories at Free Republic Jenny Hatch Listen to internet radio with Blogmommagazine on Blog Talk Radio
Profitable Depopulation Plot Links JP Morgan-Chase and Goldman Sachs to Vaccination Contaminations and BigPharma Corruption
Profitable Depopulation Plot Links JP Morgan-Chase and Goldman Sachs to Vaccination Contaminations and BigPharma Corruption A medical investigation into suspicious outbreaks and propaganda used to sell drugs and vaccines has exposed investment bankers at JP Morgan-Chase (JPMC) and Goldman Sachs (GS) for plotting to shock/stress, frighten, poison, and kill billions of people most profitably–pharmaceutically–according to … Continue reading
Dr. Leonard Horowitz on Alex Jones Radio Show
Leonard Horowitz, a former dentist, a health industry entrepreneur, and the author of a number of books, pamphlets, DVDs, CDs and articles on public health issues including the dangers of vaccinations http://www.tetrahedron.org/ http://www.infowars.com/
The Sting! Leonard Horowitz and Sherri Kane Smackdown Showtime and the PharmaMedia Whores who work for them
Media Whores If you want to purchase the whole movie go here~!


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2014 Increased Benefits Plan (HMO) - Benefits
This plan covers:
- Medicare Prescription Drug Coverage (Part D) with a $310 Annual Deductible
- Click here for more details (English Español 中文)
- $0 copay for primary care visits
- $25 copay for specialist visits
- Up to $2,000 for hearing aids every 3 years
- Enhanced vision, dental and hearing care
- $0 copay for dental cleanings, exams and x-rays, plus enhanced benefits with low out-of-pocket copays
- Up to 20 round trips per year (5 per quarter) of FREE car service to and from a Healthfirst doctor
The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
> Download the Summary Of Benefits for the Increased Benefits Plan (HMO). (English Español 中文)
> Multi-language Interpreter Services
Healthfirst Medicare Plan is an HMO plan with a Medicare contract and a contract with the New York Medicaid program. Enrollment in Healthfirst Medicare Plan depends on contract renewal.
H3359_MKT14_18 CMS Approved 10252013
Not sure which health insurance plan or program is right for you or your family?
We're here to help!
Talk to a Healthfirst representative: by phone, in person, or by email.


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It's natural for moms and dads to question any and all medical decisions they make when it involves their children. We parents want to make sure we're doing the very best for our kids, particularly when it comes to their health. Hence, the vaccination debate.
For years now (or ever since Jenny McCarthy spoke out on her belief that there was a connection between vaccinations and autism?), parents have divided themselves into two groups: The group that vaccinates (or delays vaccinations/skips a few vaccinations), and the group who doesn't at all. Soon-to-be-mom-of-two Kristen Cavallari falls into the latter category. Recently during an interview, Cavallari admit that she never vaccinated her son Camden out of fear that the immunizations will cause autism.
During an appearance on Fox Business show The Independents, Cavallari said, "You know what, I've read too many books about autism. There is a pediatric group called Homestead or, shoot, Homestead or Home First -- now I have pregnancy brain, I got them confused -- but they've never vaccinated any of their children and they've never had one case of autism. And now, one in 88 boys is autistic, which is a really scary statistic."
The reporter responded, "Well, my mom vaccinated us, and she doesn't have any cases of autism either. Isn't that weird?"
"But the vaccinations have changed over the years," Cavallari replied. "There's more mercury and other [stuff]..."
Cavallari, naturally, received critism for her comments, and she's since said, "To each their own. It's our decision and that's the end of the story."
Hmm ... Of course moms and dads have a right to parent the way they feel most comfortable, but is it really "to each their own" when it comes to vaccinations? I don't think anyone wants nearly eradicated diseases to resurface, like measles currently are. I don't anyone wants to live in a society with polio and small pox? It's been proven over and over again that autism is not caused by vaccinations (the Autism Speaks website even states this).
There's something a little uncomfortable about forcing parents to vaccinate their children, though, at some point, it may come to this. Perhaps another option is to better education people on the subject, to show that autism isn't caused by immunizations? Maybe it's naive to think, but it seems like less people would opt out of vaccinations if they knew the facts.
Because, even though I respect Cavallari's "to each their own" attitude, I'm not 100% convinced she's got all of her information straight.
What do you think of Kristin Cavallari's comments? Do you vax your kids?
Image via Kristin Cavallari/Instagram
Poor girl.. She should have chosen her words a little better if she was going to represent a whole way of life. I wouldnt want to be in her situation..
I think if you dont want to vaccinate, you shouldnt. Theres a whole bank account dedicated to the goverment paying the victims of vaccines. They do harm people. Leave her alone.
Awesome. Now her kids are subjected to deadly diseases due to her fear of vaccines.
Read books on autism huh? really Which ones did she read because everyone that I have ever read, that was trying to give the facts and wasn't biased, has always pointed out that there is no definitive proof.
She's an idiot. Don't be irresponsible and get your child sick because you choose not to vaccinate him. Idiotic parents like that should go to jail for neglect. I almost wish her kids get sick.
Do you know what is scarier than Autism? Polio.
Vaccines DO NOT cause Autism. There is ZERO scientific evidence to support this fact. Refusing to vaccinate your child because you read naturalnews.com is dangerous. Stop depending on my kids vaccine to protect YOUR child. Herd immunity is real; not every vaccine takes with every person so about 20% of vaccinated individuals are not protected. This is why this is not a personal issue but a global one.
people are so "worried" about parents deciding not to vaccinate, but say nothing about the millions of unvaccinated, disease carrying illegals


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2 years ago, a very sad day. The day when Shoya left us. All I can say is that we miss you and you will never be forgotten.
Sometimes I think that you'll appear in my television, with your smile, putting on your helmet and prepared to go to the track. But this won't happen.
I hope you are in a good place. I hope you are with Marco, Daijiro and Norick racing through the clouds. I hope you are happy wherever you are.
Always in our hearts Shoya.70 notes
Ugh. I always hate September 5th, far too bittersweet of a day.
Shoya, rest in peace.
'On the track an beyond, we will always follow you line' ♥
I remember this day.


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One in Essence, Three in Person
The doctrine of the Trinity helps to remind us that our God is not a needy being. God did not create us because He was lonely or because He needed someone to love. From all eternity, Father, Son, and Holy ...Read More
The Insanity of Luther
Once we begin to understand something of the gravity of our sin and the purity of God's character, it can be easy for our knowledge of our depravity to paralyze us. This need not be the case, for the good ...Read More
The Awakened Conscience
Write a brief account of how God awakened your conscience. If you were converted as a child, you might not remember. If this is the case, write a brief account of a time in your life when God used your ...Read More
Washed in the Spirit
The sacrament of baptism reminds us that God has cleansed us from all sin and, therefore, that the filthiness of wickedness has no place in our lives. If we have trusted in Jesus Christ by faith alone, then we are ...Read More
House of the Wise
If you are a married woman, how committed are you to keeping the house, raising your children (if you have any), and caring for your husband? Discuss with your husband ways in which you can improve your efficiency within the ...Read More
Leaving Vengeance to the Lord
What is your first inclination when people wrong you? Is it to seek vengeance on them, to do what you can to make them pay for what they have done? Or, is your response immediately to pray for them, to ...Read More
Opening Our Ears to Hear
Ask God to open your ears to hear His voice, to clear your spiritual eyes, and to let you understand with your heart.Read More
The Glory To Be Revealed
Dr. R.C. Sproul writes in his commentary Romans: "The difference between the present degree of pain we experience and the blessedness to which God has appointed His people is so immensely different that there is no way to compare ...Read More
Patience and Kindness
Consider today's lesson as a test. As you review it, evaluate yourself in terms of patience and kindness. Are you patient with those who are inferior to you, like your children? Are you as kind and sensitive to other people ...Read More
God's Purpose of Election
John Calvin comments on today's passage that "the Lord in his gratuitous election is free and exempt from the necessity of imparting equally the same grace to all; but, on the contrary, he passes by whom he wills, and whom ...Read More
DevotionalsDaily readings to encourage your heart and mind in the pursuit of God and his glory.
- All
- Angels and Demons
- Atonement
- Basic Reformed Theology
- Irresistible Grace
- Limited Atonement
- Perseverance of the Saints
- Total Depravity
- Unconditional Election
- The Church
- Church Discipline
- Church Leadership
- Creeds and Confessions
- God
- Holiness
- Sovereignty
- Heaven and Hell
- Heresies
- The Holy Spirit
- Jesus Christ
- Cross
- Incarnation
- Resurrection
- Justification
- Last Things
- Man and Sin
- Sacraments
- Salvation
- Faith
- Regeneration
- Scripture
- Systematic Theology
- Theological Views
- Roman Catholicism
- Music
- Apologetics
- False Teaching
- Atheism
- Christianity and Culture
- Creation
- Ethics
- Philosophy
- Bible Figures
- Bible Interpretation
- Books of the Bible
- Gospels
- Covenants
- General Reference Works
- Jesus' Ministry
- Life of Jesus
- New Testament
- Old Testament
- Parables
- Prophecy
- Sermon on the Mount
- Ten Commandments
- The Lord's Prayer
- Controversies in the Church
- Arts
- Covenant Theology
- Creationism
- Inclusivism
- Law and Gospel
- Lordship Salvation
- Politics
- Sabbath
- Spiritual Gifts
- Theonomy
- Women in Ministry
- Marriage and Family
- Divorce
- Parenting
- Practical Theology
- Discipleship
- Evangelism and Missions
- Grief and Death
- Pastoral Ministry
- Preaching
- Worship
- Spiritual Growth
- Anxiety and Worry
- Apostasy
- Assurance
- Conscience
- Depression
- Doubt
- Fellowship
- Godliness
- Guilt
- Humility
- Joy
- Knowing God's Will
- Legalism
- Love
- Money and Stewardship
- Oaths and Vows
- Prayer
- Pride
- Repentance and Forgiveness
- Sanctification and Growth
- Service
- Spiritual Fruit
- Suffering
- Thankfulness
- Vocation
- Ancient Church
- Biography
- Reformation


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NORFOLK -- Several injuries have been reported after strong storms rumbled through Pasquotank County Friday evening, officials said. It is unclear how many people are injured or the extent of the injuries.
According to Pasquotank County Sheriff Randy Cartright, some homes are badly damaged and there are cars overturned and wrapped around trees.
13News Now reporter Jonathan Costen is in Pasquotank County and said there is a home on Shellie Drive that is completely demolished.
There are no confirmed reports of a tornado touching down, Pasquotank-Camden Emergency Management Coordinator Christy Saunders told the Daily Advance in Elizabeth City at 8:30 p.m.
Beaufort County, NC *Tornado Damage* N and E of Washington, extensive damage, path maybe 30 miles long. #NCfire #ncwx
— CAROLINAS FIRE PAGE (@CFPalerts) April 26, 2014
A Tornado Warning was in effect for Camden, Currituck, Pasquotank and Perquimans counties in North Carolina until 8:30 p.m. Included in the warning was Elizabeth City.
Cartright initially told 13News Now there were several trees down and power was out throughout the county. More than 2,000 customers were without power in Pasquotank County Friday night, according to Dominion Power.
Cartright encouraged people to stay somewhere safe.
"We are experiencing high winds, driving rain, and hail. When I was out, there are several trees down in the roads," Cartright told 13News Now.
Sarah Kane in Elizabeth City tweeted, "It's pitch black so it's hard to see but there are power lines on the road, extensive flooding, no power & lots of sirens."
Elizabeth City X-treme Paintball park said their property was destroyed. "I have no idea where the bunkers are. The tree line to the woods is gone. A piece of someone's house is in our driveway." they posted on their facebook page.
Perquimans County Sheriff Eric Tilley told 13News Now he knew of at least ten homes that were destroyed on Chapanoke Road. No injuries were reported but there were people pinned inside their homes, he said. Crews were working to clear roads and restore power.
It was reported that lightning struck a home in Harbinger and it was fully engulfed in fire.
House in Harbinger fully engulfed by lightning sparked fire #ncwx (other media use cleared) pic.twitter.com/aSMoNDweLD
— Sam Walker (@SamWalkerOBX) April 26, 2014
There were also scattered outages reported throughout the area.
Dominion Power spokeswoman Bonita Billingsley Harris tells WVEC.com it's believed a lightning strike caused an outage affecting several hundred people in Virginia Beach Friday afternoon.
Click here for a list of outages
A Tornado Watch was in effect for most of the ABC13 area until 9 p.m. That means strong storms are capable of producing isolated tornadoes because conditions are favorable for such storms to develop.
Viewer pic from Taylor Nicholle Skandier of #Tornado from Chicod School. pic.twitter.com/n2ddUcQj1y
— Dave Jordan (@DaveJordanWITN) April 25, 2014
A line of strong thunderstorms in Central Virginia also triggered some Severe Thunderstorm Warnings.
At 9:30 p.m., the Suffolk Public Works Department reported the following areas were impassable due to high water:
- 6200 block of Leafwood Road is impassable due to high water
- 4900 block of Holy Neck Road is impassable due to high water
- eastbound lane of Copeland Road at Copeland Road and Whaleyville Boulevard is closed to due high water
- 8600 block of New Road is impassable due to high water
By late evening, storms moved offshore. It will clear out overnight and sunshine is expected for much of Saturday.
Expect very warm temperatures Saturday, with highs approaching 80 degrees before another front approaches and tries to trigger a few showers.
The best chance for showers Saturday evening will be for northern areas, especially the Eastern Shore.
Sunday will be breezy and cooler with a decent amount of sun.
Check the forecast 24/7 on WVEC.com.


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Through a combination of procrastination and bad timing, many baby boomers are facing a personal finance disaster just as they're hoping to retire. Starting in January, more than 10,000 baby boomers a day will turn 65, a pattern that will continue for the next 19 years.
The boomers, who in their youth revolutionized everything from music to race relations, are set to redefine retirement. But a generation that made its mark in the tumultuous 1960s now faces a crisis as it hits its own mid-60s.
"The situation is extremely serious because baby boomers have not saved very effectively for retirement and are still retiring too early," says Olivia Mitchell, director of the Boettner Center for Pensions and Retirement Research at the University of Pennsylvania.
There are several reasons to be concerned:
• The traditional pension plan is disappearing. In 1980, some 39 percent of private-sector workers had a pension that guaranteed a steady payout during retirement. Today that number stands closer to 15 percent, according to the Employee Benefit Research Institute in Washington, D.C.
• Reliance on stocks in retirement plans is greater than ever; 42 percent of those workers now have 401(k)s. But the past decade has been a lost one for stocks, with the Standard & Poor's 500 index posting total returns of just 4 percent since the beginning of 2000.
• Many retirees banked on their homes as their retirement fund. But the crash in housing prices has slashed almost a third of a typical home's value. Now 22 percent of homeowners, or nearly 11 million people, owe more on their mortgage than their home is worth. Many are boomers.
Michael Vanatta, 61, of Vero Beach, Fla., is paying the price for being a boomer who enjoyed life without saving for the future. He put a daughter through college, but he also spent plenty of money on indulgences like dining out and the latest electronic gadgets.
Vanatta was laid off last January from his $100,000-a-year job as a sales executive for a turf company. And with savings of just $5,000, he's on a budget for the first time. In April, he will start taking Social Security at age 62.
"If I'd been smarter and planned and had the bucks, I'd wait until 70," says Vanatta, who is divorced and rents an apartment. "It's my fault. For years I was making plenty of money and spending plenty of money."
Vanatta is in the majority. Some 51 percent of early boomer households, headed by those ages 55 to 64, face a retirement with lower living standards, according to a 2009 study by the Center for Retirement Research at Boston College.
Too many boomers have ignored or underestimated the worsening outlook for their finances, says Jean Setzfand, director of financial security for AARP, the group that represents Americans over age 50. By far the greatest shortcoming has been a failure to save. The personal savings rate — the amount of disposable income unspent — averaged close to 10 percent in the 1970s and `80s. By late 2007, the rate had sunk to negative 1 percent.
The recession has helped improve the savings rate — it's now back above 5 percent. Yet typical boomers are still woefully short on retirement savings. Even those in their 50s and 60s with a 401(k) for at least six years had an average balance of less than $150,000 at the end of 2009, according to the EBRI.
Signs of coming trouble are visible on several other fronts, too:
• Mortgage Debt. Nearly two in three people age 55 to 64 had a mortgage in 2007, with a median debt of $85,000.
• Social Security. Nearly 3 out of 4 people file to claim Social Security benefits as soon as they're eligible at age 62. That locks them in at a much lower amount than they would get if they waited.
The monthly checks are about 25 percent less if you retire at 62 instead of full retirement age, which is 66 for those born from 1943 to 1954. If you wait until 70, your check can be 75 to 80 percent more than at 62. So, a boomer who claimed a $1,200 monthly benefit in 2008 at age 62 could have received about $2,000 by holding off until 70.
• Medical Costs. Health care expenses are soaring, and the availability of retiree benefits is declining.
"People cannot fathom how much money will be needed to simply cover out-of-pocket medical care costs," says Mitchell of the University of Pennsylvania.
A 55-year-old man with typical drug expenses needs to have about $187,000 just to cover future medical costs. That's if he wants to be 90 percent certain to have enough money to supplement Medicare coverage in retirement, the EBRI said. Because of greater longevity, a 65-year-old woman would need even more to cover her health insurance premiums and out-of-pocket health expenses: an estimated $213,000.
• Employment. Boomers both need and want to work longer than previous generations. But unemployment is near 10 percent, and many have lost their jobs.
The average unemployment period for those 55 and older was 45 weeks in November. That's 12 weeks longer than for younger job-seekers. It's also more than double the 20-week period this group faced at the beginning of the recession in December 2007.
If financial neglect turns out to be many boomers' undoing, challenging circumstances are stymieing others.
Linda Reaves of Silver Spring, Md., never had much opportunity to save as a single mother raising two sons and a daughter. After holding a variety of positions over the years — hotel office manager, research analyst for a mortgage company, hospital mental health counselor — she was still living paycheck to paycheck. Then she was laid off in 2007 at the age of 57.
She entered a training program to learn new skills, but all she has found since is a string of temporary jobs. In her daily quest for clerical or administrative work, she competes against much younger applicants.
Reaves, who turns 60 this month, plans to work until she's at least 70 and then wants to travel, even if she doesn't know where the money will come from.
"I just keep going. I don't really worry about it," she says.
Add this all up, and there's a "slow-burning" retirement crisis for boomers, says Anthony Webb, a research economist at the Center for Retirement Research.
"If you have a crisis where the adverse consequences are immediately clear, then people understand that they have to do something," Webb says. "When the consequences will be felt 20 or 30 years in the future, the temptation is that we kick the can down the road."
As a result, he believes many won't change their behavior.
For less affluent boomers, it won't take that long to feel the pain of poor planning. Concerns about financial trouble will hang over many of those 65th birthday celebrations in 2011.
Many seem to view their plight through rose-colored granny glasses. An AARP survey last month of boomers turning 65 next year found that they worry no more about money than they did at age 60 — before the recession or the collapse of home prices. But in an acknowledgement of reality, 40 percent said they plan to work "until I drop."
Copyright © 2010 The Associated Press
33 Responses to "The future ain't so bright for boomer retirees"
Wish my CHB blog was still active. Then I could point to my story about the retirement crisis from 2-3 years ago and say I told you so.
Or my piece on the "urban prairies of Detroit" or how about that piece on how Obama would follow Bush Doctrine, expand the war in the Middle East, continue torture, and crank up the warrant-less wiretaps?
It was all there, years ago and no one would listen.
FYI, I love how the AP writers blame the boomers for the situation they are in. Have to wonder if the AP writers know about the plan to seize the pensions and 401(k)'s and this is their way of encouraging people back into the market. The only ones in the market now are institutional investors and the banks. Mainstreet has been sidelined.
I remember your blogposts distinctly Woody and yes you called the future correctly; but, we tend to forget that the people who frequent this site and a host of other enlightened 'watering holes' for thought are the minority when it comes to voting as well as critical thinking.
As I've mentioned in the past during my daily travels to the hardware store, Starbucks, grocery shopping etc. I run across folks from all walks of life.
I'm an affable guy and without getting in their face I'll try to open up subjects concerning our nation etc. in a casual fashion. Needless to say I don't get too heavy as I do on CHB, but just gentle probing. I hate to say it, but the average John and Mary Q. Citizen is as dumb as the proverbial 'box of rocks". They don't know sh*t from shinola and worse yet, they don't care.
Seemingly Americans are going to get the government they sorely deserve.
CHB is simply a good place to vent our spleens so to speak and one of the better one's at that, due to our site host being quite tolerant and seemingly unflappable in the face of the few 'jackwagons' that frequent this site.
I'm always impressed with your thoughts and link material. In fact some of them cause an instant flip stomach as to how close these mattoids are in terms of slamming the door shut on freedom as we once knew it. A lot of fine people are going to get hurt badly by this ever-encroaching police state mechanism known as 'Homeland Security' etc.
Shopping until they drop, their HDTV's along with viewing the vapid programming and film releases provided by the cunning media moguls, while packing their faces with high caloric, junk food, then shuffling off to the crib for some muscle relaxing fun with mamma is all that's important to them. Sounds like a 'feedlot' paradigm to me. Freedom, Constitutional principals, the Bill of Rights etc. mean nothing to them.
"Wanna parteeee!" is their mantra. / : |
Carl Nemo **==
I too survey the populace and am often surprised by the number of people I find that are aware, although they are waiting for a leader or a plan to unite them. It only takes some 10-15% of the populace to start a revolution, and I believe we have a revolution of ideas already started. We just need some folks with the cojones and the finances to set those ideas in motion.
We need to start with communications that can compete with our corporate rivals. That means radio and television. If we can get onto those mediums, we can start to change minds en mass. Essentially we need to pull a Harrison Bergeron type of broadcast.
Everybody wants to change the world
Everybody wants to change the world
But no one,
No one wants to die
Wanna try, wanna try, wanna try
Wanna try, wanna try, now
I'll be your detonator
– My Chemical Romance from the song "Na Na Na (Na Na Na Na Na Na Na Na)"
Maybe awareness is a regional phenomenon. In my area we have a lot of deep pockets Cali expatriots that sold their properties prior to the bust for millions then migrated to the Pacific Northwest paying cash for McMansions etc. They don't seem to be hurting and of course they are retired as myself. Many are dual income retirees; ie., Calif police chiefs, wives retired as school superintendants, principals, government sector, in addition to corporate executives etc. They all fled Cali due to its inherent overpopulation and crime problems. The only hazard they risk is if the California public pension system goes bust. Hell, even Uncle Sam's pension system could go bust too. / : |
We do have an unemployment problem as everywhere else, but the malls are still jammed even prior to the holidays. The business closures I've witnessed in other areas of the nation don't seem to be as extensive. In fact many vacant mall vacancies are now finding occupants. Evidently the entreprenueurial spirit is alive and well regardless of the banks dragging their feet on business loans etc.
The parking lots are full of Mercedes, Lexus, BMW's, Escalades etc. I'm not cheering for this paradigm, but possibly many of the folks that I've interfaced with are spoiled and lulled into complacency. The kids and grandkids are a bunch of spoiled seeningly ignorant brats too.
You are correct we need some deep pockets leadership that has had a bellyful of the "Republicrat" partyline as too 'We the People". Maybe if a Ross Perot' came along today with the same message and commitment in the early 90's concerning the hazards of 'free trade' and the unfettered outsourcing of America's manufacturing base, then we could get some traction and shut down the political status quo as we now must suffer as function globalistm run amok. Of course hindsight is always 20/20 vision.
Carl Nemo **==
Would it be in any way considered revolutionary to utilize local resources and labor to replace a normally corporate manufactured durable good with one that is superior in quality and 30% less expensive due to the elimination of unnecessary trucking?
I just spent the day insulating a 1930's hotel renovation using recycled cardboard that was remanufactured into high quality cellulose insulation by a locally fabricated mobile processing plant.
In addition, if you care, this insulation will reduce the fossil fuel consumption of the building by 50%, it already eliminated the consumption of 70 gallons of diesel per 1000 cubic feet of product ( due to eliminating shipping), and its greenhouse gas potential is 1.2% of foam insulations and 21% of fiberglass insulation.
Revolution, anyone?
Sounds like an effective alternative 'green product' to me logtroll. You might care to supply a link to the suppliers of such for those involved with renovations, commercial or otherwise. Thanks. : )
Carl Nemo **==
You think there are links to the revolution? Get real, my man.
We're looking for investors (see post below). There are many others, but you have to put out some effort to connect.
This product happens to be on track for an uber green office building in Seattle, a joint venture of the Bullitt Foundation and Cascadia.
I thought I'd tip you off on a product for which I'm totally enthused. It's called TekFoil. It has aluminum on both sides with bubble insulation between. It comes in various configurations. This type of product coupled with superior exterior wall insulations such as your described product will kick the effectiveness up even moreso. It's 97% reflective to IR/heat radiation. So it increase the maintenance of heat within during the cold months and keeps structures cooler in the summer. It's placed on the inside walls against the stud wall prior to sheet rock or whatever the covering might be. You still have your insulation between the exterior and interior walls, but this gives almost totally reflective surface to long wave radiation. It also serves as a required vapor barrier. It's amazing stuff indeed.
Disclaimer: I have no vested interest in the production or distribution of TekFoil.
Carl Nemo **==
I use it, but it comes from China.
Who cares if it works. Neither you are I are going to change macroeconomics with our feeble protestations concerning that which is "Made in China".
The bottomline is one's utlility bill which is domestic based.
Carl Nemo **==
The bottom line is the salvation of local economies and we can impact macroeconomics… it's a matter of huevos.
Granted my friend in thought, but to wait for some enterprising domestic business to produce "TekFoil" based on national economic survival principals is somewhat disingenuis to say the least…no?
I think we need to "stack arms" on this subject. All I can say is let's have a toast to good insulative science and the implementation thereof. : )
Carl Nemo **==
Cap'n, you are missing the point. IF somebody would start making tekfoil-style insulation, IF they would use locally recycled materials to make it out of, and IF it could scrape out a decent market share, THEN it might begin to have the revolutionary effect that we are now getting with cellulose.
My first post above was in response to yours, and Woody's, "robo-posts" advocating some vague and impractical "revolution" agin the evil gummit. I am advocating for a smart revolution where direct solutions to a batch of our problems are addressed in a constructive manner. Local production of cellulose insulation (one example among a multitude of similar possible efforts) would do the following: create local jobs; reduce insulation manufacturing energy usage; reduce the consumption of diesel in unecessary shipping; reduce lifecycle energy use in new construction; save energy in retrofits; reduce landfill costs; generate increased municipal revenues for recycled materials; reduce "leakage" from our local economy (buying goods from elsewhere); be replicable in many commmunities; reduce multi-national corporate control over local economies; and reduce the production of greenhouse gases.
You want to start a revolution? Participate in creating local industry in your neck of the woods. If you want to make foil bubblepack, using aluminum and plastic from the recycle stream, good on ya! We can share recipes for making new local industries.
Is a "jackwagon" a good thing or a bad thing? I like wagons, and I find jacks to be very useful in all their forms. I won't ask about "mattoids", I hope to remember to look it up after sending this post.
Yo logtroll…
Urban Slang Dictionary: 'jackwagon' …a loser, a dud
An antiquate term for a chow or supply wagon in the military.
Sgt. R. Lee Ermey, retired USMC drill sergeant and host of various programs dedicated to military tech etc. uses the term in a GEICO commercial where he's posing as a shrink. His patient starts sniveling. He then throws a box of tissues at him calling the patient such. It's an old term, just not commonly used in civilian parlance.
mattoid: noun
(Psychiatry) Rare a person displaying eccentric behaviour and mental characteristics that approach the psychotic
Now DROP and give me 25 sailor…! : |
Carl Nemo **==
You mean this commercial?
Ha. My favorite is still the woodchuck one.Hey you dang woodchucks, quit chuckin' my wood!
Thanks Griff for the 'woodchuck' commercial. They haven't aired that one in my area at least I haven't viewed it.
Of course I'm in a rut, all I watch is History, History International, Discovery, Animal Planet and on occasion SPIKE's "Reality TV" series in order to get a taste of what the masses are up to. A "Thousand Ways to Die" is a hoot. : ))
I opted for Comcast's DVR a couple of years back, that way I can speed through commericals or not waste time on a program that turns out to be less than expected.
Carl Nemo **==
Ha. Yeah those are the about the only TV channels I watch too, but the Geico commercials play heavily during NFL games. There's not much good on TV these days, but you occasionally run into a commercial or two that makes you laugh.
Mattoid, also; genius and fool.
Btw, logtroll, I've enjoyed your posts of late and you've matured into a solid CHB asset. Welcome aboard…!
Wishing a Happy and Successful New Year 2011 to you and yours my friend in thought. : )
Carl Nemo **==
Matured, my ass…!
I wouldn't have expected less for a response…: ))
Nemo **==
It seems you have simply caught my groove, nemotoid sync'd with the mattoid.
A little trick the Nazi courts used with defendants was to make them wear outsized pants with no belt. That way they had to stand in court with one hand holding their pants up while the judge berated them for appearing so slovenly.
It is this I think of as an analogy for all these "experts" decrying the spendthrift, thoughtless, and selfish ways of Boomers. Robert Samuelson needs a bib because of his salivating over what's coming next year: the final solution for Social Security.
Equipped with half a brain, anyone can discern that SS BY LAW is not connected to the budget. Apparently what matters now is laying of sacrificies upon the altar of the "investing class."
I read long ago that politics and economics parted company in the early 1970's. What this article fails to provide (other than what the writer apparentlly sees as wit…rose colored granny glasses indeed.) are some salient facts. A half-truth works as well as a lie and there is nothing humorous about it. Boomers failed to save? With what? In the early 80's the Greenspan Commission came up with the proposal (adopted of course) that Boomers would have to pay much higher SS contributions in order for the plan to remain solvent.
It appears now that this so-called "lock box" was indeed just that. But the key to open it belongs to Wall Street. And they want that money that Greenspan set aside for them way back then. As Carl Nemo pointed out in another thread, the adoption of the FIRE economy (Finance, Insurance and Real Estate) resulted in labor being a disposal commodity. Most productivity gains were not shared by those producing them, yet costs continued to rise to such an extent that a Boomer could in no way approach the ease with which his or her parents financed a home, car, kids, etc.
The cornucopia of screwy ideas being put out by the elites is astounding. Perhaps a Soylent Green brand of cat food might be offered up until all those Boomers die off. It's the least they can do.
The most frightening thing of all is Carl's observation about the preferred ignorance of citizens. Part of an explanation may lie in the notion about economics and politics parting company long ago. Looking ahead, though, a critical mass can be reached with any populace no matter the current apathy. Hunger has a great way of sharpening the senses.
Sorry to ramble; tripe like this whipped cream passing for thought pisses me off.
A suggestion; stop "investing" in Wall Street. Figure out how to invest locally. Know the company you are investing in, know the people who own it. Starve the f*cking machine. Be responsible with your money.
If you have ANY money "invested" in the machine, then you are part of the problem.
I have money invested in the machine and the reason is I follow where the real money is going and tag along. When bailouts began I loaded up on bank stocks so any losses of 2008 were vaporized. Those stocks have made a remarkable comeback thanks to being propped up. Precious metal funds have been a goldmine and I do mean gold. Opportunity exist when chaos reigns.
The best financial advice my father ever gave me was "Don't depend on the government." So strategy has always been what if what I have been promised is not there? Well…it is there – for the time being – and it is the gravy.
If it is "playing the market" that you are doing, then it is the same thing as printing money (if you are coming out ahead). It's hard not to be one of "them", ain't it?
My first and foremost obligation is to my wife and myself to preserve what we have worked incredibly hard to accumulate. All too often I read/hear this high pitched whine about "big business" and "Big Government" and I have absolutely no issue with investment in a variety of areas that have been quite rewarding. Most major corporations are well run, responsible and are honorable members of our society. I just don't subscribe to an us against them philosophy.
As far as "printing money" I find that a bit different since I consider it earning money. I choose my risks according to information I sift through as many of the companies and primarily funds have been profitable. If an opportunity rises such as in banking I latch on to it since the importance is to keep either the illusion or the reality of that sector fiscally solid. I was spot on with that and wish I was with Bear and Lehman.
I guess I am "one of them" and it is certainly better than living under a bridge complaining about how all the forces of perceived evil have conspired to screw me. I have taken some risks and some have failed but most have been successful.
I understand that reality bites. I have my meager IRA in a mutual fund, though I am working to figure out a way to make that investment apply to something more real and local than whatever the hell it is doing now.
The concept that I am working on in most of my posts is that our fundamental problems are built into the American culture, into that vague ideology called Capitalism, and that we all participate in it like a gaggle of zombies.
The problem is not the "others", the threat is not from a government conspiracy, we are all complicit. We often feel we are buggered by the system and want to opt out, but that's not possible, either. As for revolution, who does one revolt against, and how? To what purpose?
The one form of revolution that we can enact is for constructive local change, including changing our own habitual culture. We need to learn to think differently, and that new thinking needs to have a firm basis in a fresh and livable ideology, one that is not looking for enemies and not predicated on climbing over our neighbors out of fear and greed. We need to live more consciously and collaboratively and fight the cultural drift into impersonal isolation.
To learn to think differently we need to have some pretty in-depth discussions, and to open those discussions it is often necessary to say things bluntly, especially when dealing with heavily fortified preconceptions and disparate assumptions about word meanings.
Frankly, I don't expect much in the way of actual progress as a result of posting on CHB. We don't know each other, we aren't engaged in any shared efforts, and this form of communication is problematic in reaching any mutual understandings with opposing (or even shared) ideologies. But I find the attempts to be useful in refining my own thinking and I enjoy the creative process of sparring with other posters with art and humor. CHB is an extremely impersonal format, very safe yet virtually useless on its own. I often reuse posts in local interactions, so I get some practice here before taking comments live.
In spite of apparently really pissing Carl Nemo off recently by calling the kettle black, I am most gratified by his statement that I have "matured" of late. I think that his perception is based substantially on the fact that I have improved my ability to communicate my ideas, because my content has not changed much over the last several years.
I love satire, lampoon, and wit; I think that others do not always, particularly if they might be the subject. I allow that if I am going to dish it, then I have to be willing to take it, too. I do hope that if I'm on the taking end that is really good stuff! If nothing else, posting on CHB should be entertaining.
Logtroll wrote:
"The one form of revolution that we can enact is for constructive local change, including changing our own habitual culture. "
Nice post. Elaborate on this section please.
Jeez, you don't ask for much, do you?
My thought behind that quote was related to the local insulation maufacturing scenario that I described above in this thread. In my community, a small and fairly isolated one, whenever a house is built , it contains only a small percentage of local materials; essentially consisting solely of the aggregate in the concrete in the foundation. It is possible to use other locally sourced materials, but usually they will be not in compliance with the building code because they have not been "certified" in one way or another. Our culture has supported an incremental growth in the "certification" industry due to ostensible safety concerns, which has come to mean that a building material cannot be used as a matter of course unless it is manufactured by a company that is large enough to absorb the costs of certification. That leaves out every Mom and Pop business, the backbone of local economies. In a nod to the mentality of conspiracies, much of what is now in the building codes was written by large corporate entities for the primary purpose of limiting competition, not enhancing public safety.
Perversely, the cultural inclination regarding money is that whatever makes one the most money without being illegal (well, maybe illegal too, if the risk of getting caught is low) is the best. When it comes to investing, financial industry rules that have a similar effect as the building codes govern the game; it is far easier to invest in the Big Machine than it is to invest in our local economies, i.e. Mom and Pop. We even think that it is safer.
All this is what is killing us. The only return on investment from Wall Street is money. But the corporations that get the money (that's leftover from the speculation games) goes to further eliminate Mom and Pop from running a business. And there are all the other hidden costs; to the environment, access to healthcare, financial security, etc., that accrue. "We" pay "them" to take advantage of us in exchange for a little bit of money, but it's not a fair exchange.
But I don't buy into the notion that we are helpless because "they" are in control. I believe that we are helpless because we acquiesce to a culture where we are sort of taken care of in exchange for not working all that hard. We believe what we are told, especially where some fear might play a role, and it's easier to buy substandard insulation made by a multinational corporation and sold to us at Big Box stores than it is to make it ourselves out of our own waste materials and get it "certified" for use in our own homes.
As it turns out, dealing with the building code issues is a great way to get some proactive experience and traction with local and state governments. And starting up local manufacturing with its attendant jobs really gets their attention. That little bit of political clout then comes into play with the state building code authorities, who (it turns out) aren't active in any conspiracy to limit competition, they just adopt the code language that they are given. But they have the power to adopt national standards in whole, part, or not at all. And when a local government comes calling that has a manufacturing industry in its community, you'd be pleasantly surprised to note their reaction to code certification.
Now, wouldn't you like to invest in such a business in your community if you could? Would you invest in Dow Corning if you had a local Mom and Pop cellulose company, producing that long list of benefits described in a post above, if you knew that Dow was actively engaged in stomping out cellulose as a competing product?
That was a bit of a ramble; I hope it means something beneficial to you.
Unfortunately the road blocks that are placed sometimes can act quite detrimentally for both local businesses and larger more national enterprises. I could go into great detail on my own personal experience in this area and that of many others. IMO much of government is determined to tell you why you cannot do something rather than how you can. I have posted many such examples in the past on CHB. And I am talking local and state and specifically Massachusetts. I am also familiar with Texas and the business environment seems more realistic than in Massachusetts.
Buying locally is always a significant part of my purchases and the name Bogofree has a specific meaning that translates into being a smart shopper. One would be quite surprised at the ability of locals to actually compete with the "Big Boys" when given that opportunity. Again, I could go on and on about that aspect and have in the past.
I do disagree with your statement about the only return from Wall Street is money. Money is the result of some – at times – risky capital investments. Many consider Wall Street as some sort of fiscal shell game where money is just funneled from hand to hand. Those investments create the money which is the end result of investing which means job creation and business expansion. I do have some real issues with excessive foreign investments depreciating our own manufacturing base.
I see that you are paying attention in your life and I respect that.
One of the drawbacks to this communication format is the need to oversimplify some issues in order to make a point, which I have done. I agree that not all Wall Street investments are just for money, and I expect that you would agree that thoughtfulness is not a fundamental principle in the financial industry in general.
Comments are closed.


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Jun 23, 2014
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