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The new way to get rich slowly
Published on - April 29th, 2014 (by William Cowie)
This article is by staff writer William Cowie.
The face of getting rich slowly is changing right before our eyes, even as the status quo is failing. Before this year's State of the Union address, the President's media supporters, fretting about his low approval rating, fumed: "…never during his time in office has the state of the economy been better — yet rarely has he gotten such low marks from the public for his handling of it."
The GDP is indeed at an all-time high. But, as someone said when I updated a group on the economy recently, "Did I just blink and miss the recovery?" Sound familiar? A paradox, indeed.
The main reason for the paradox is unemployment. The reporter above was correct when she said it's never been better during Mr. Obama's time in office … but she unwittingly nailed the problem: The incumbent Chief Executive has been in office quite a while already and never in the past century has it taken this long for employment to recover, prompting experts to dub this "the jobless recovery." A recent Gallup poll shows unemployment is America's number one problem.
Juxtapose the lack of well-paying jobs with record numbers of $100 million houses for sale and price records for art and collectibles and the rising tide of rhetoric around income inequality seems inevitable.
Talk is cheap, though, so I called up a few folks at the Federal Reserve to find out: Is there hard data to verify income inequality?
There is – and it's much, much worse than you or I might have even thought.
The Inequality Gap
If you're over 30, you might remember the power-duo Lennon-McCartney. Welcome to the new duo articulating life today: Piketty-Saez. Thomas Piketty heads the Paris School of Economics and Emmanuel Saez, the Center for Equitable Growth at U.C. Berkeley. In 2003, they published a landmark study on inequality that everyone has been using ever since.
A recent update to the study shows that a stunning 95 percent of the entire gain from the current recovery has gone to just the top 1 percent of the nation's income-earners:
Interestingly, the 1 percent are not impervious to downturns. The table above shows they get hammered a lot harder by downturns than the plebs.
But the data also confirms: 99 percent of the nation is scrapping for only 5 percent of the total gain of this recovery, while the top 1 percent are snagging 95 percent of the entire nation's wealth increase. This has never happened before.
Is it a permanent shift or just an aberration? The Pikkety-Saez data set goes back 100 years, making it easy to spot long-term trends. To distill all the data down to a single number, I created an "index of equality" comparing inflation-adjusted incomes of the 99 percent with the 1 percent, starting in 1913. A rising line reflects more for the 99 percent, comparatively.
The chart shows that, for 70 years, the 99 percent did better, relatively speaking, than the 1 percent — in other words, income equality improved.
Then it fell off a cliff.
This is not how it was supposed to be. What changed?
Trickle down
After the 1982 recession, our government embarked on what has since been called "trickle-down economics." In essence, the thinking went that if you bless the rich, they will create opportunity (and wealth) for the rest.
Did the wealth trickle down? In a word, no. Here's a different look at the same data set. This chart compares the actual incomes (in 2012 dollars) for the two groups. To make them comparable, I indexed them based on the 1913 number.
You can see how the advent of World War II created a spurt of income growth for the 99 percent as women went to work, industrial competitors Japan and Germany were decimated, and newcomer China had not yet awakened to take away American manufacturing jobs. It was the golden age of the American industrial worker, complete with job security, the corporate ladder, and, when you're all done, a pension you can count on.
That came to a screeching halt in the '80s as trickle-down economics became the new normal for all subsequent governments. The two lines converging after 1985 indicate the 1 percenters' share of the nation's wealth increased again … dramatically.
So what can you do about that?
Your first option is to vent your outrage over dinner or on the blogosphere. The rich, by the way, are feeling that. Tom Perkins, billionaire co-founder of the largest venture capital firm, recently caused a stir in a letter to the WSJ, complaining that the 1 percent are being vilified like the Jews in Nazi Germany.
Outrage doesn't put food on the table, though. A more sensible option is to do something.
1. Embrace the new reality. The days our parents knew are gone forever. It's hard now just to find a job with decent pay. Oh, and if you thought a government job is your ticket to security, think again. This Fed chart shows government jobs have been steadily declining for the past five years with no signs that the trend will reverse. Not only are you on your own for your current needs, you won't be able to count on a pension or Social Security either.
2. Embrace the wisdom that doesn't change. Live below your means and get rid of debt.
3. Invest. The 1 percent make their living off their investments. The tax code is harsh on labor but easy on capital. As you transfer your income from labor (a job) to capital (investing), you are likely to reap those benefits. Is this easy for someone making a living from an income-stressed job now? Perhaps not. But not making investing a serious priority only ensures permanent servitude to capricious bosses.
4. Reframe your income opportunities. What new income opportunities are there? In a nutshell…
Start your own business
This may sound daunting, even depressing, but consider:
1. We've never seen a generation so well-equipped to be on their own as this one. The main reason for this is technology. You have resources at your fingertips that your parents didn't have. Sites like elance, fiverr and others provide brokerage platforms for personal services — a great starting point.
2. In human history, self-employment has always been the default: We are wired for independence. The technology of the industrial revolution took that away, but current technology is giving that independence back. In this new world, your efforts are justly rewarded by a marketplace which, while not perfect, is not as capricious as a fickle boss or an employer given to outsourcing jobs.
3. Never has it been as easy to start small while maintaining your day job. For less than $100, you can get a domain name and a year's hosting. Getting set up to receive payments is a little trickier, but still easier than finding a well-paying job. There is a lot of free advice on how to do everything from marketing to shipping your product.
The revolution is under way already
Starting your own business sounds more radical than it really is. Several readers (and writers) on this very blog are already going down this road. They're not alone. This Federal Reserve chart shows the dramatic shift from large employers to small employers, which includes start-ups. (It's interesting to note how those weathered the recession so much better too.)
Even if you don't open your doors tomorrow, start thinking what business could hold your future. Ask friends. Ask many friends. Some will be naysayers, others eternal optimists. Listen to both groups. Take cautions from the Eeyores, but don't let them stop you.
It is a new day out there. You might not become a 1 percenter, but you can get a lot closer, get many of their benefits, and enjoy the freedom and fair reward your efforts bring.
It will still be getting rich slowly because durable things rarely are created overnight; but self-employment is the new way, make no mistake about it. And while getting rich slowly this way is a tougher road than just showing up for work and collecting a paycheck, the advances in technology keep making it easier. In the end, this road would be more rewarding than getting laid off five years before you plan to retire.
This article is about Advanced, Economics, Entrepreneurship, Investing
Thanks @William.
Sounds like we are on the same page.
As bad as the charts may look, it's still not that bad compared to many countries. I was in Shanghai, China a few years ago, and if you want to see the gap between the rich and the poor, look no further. From where I was staying (downtown), if made a right turn, I saw something that was like brand new New York City. If I made a left turn, then I saw the part of Shanghai was probably still in its original form.
Love this article, though I understand why some commenters might take issue with some of the advice on starting a business.
I think it's because when many of us hear the phrase "starting a business," we think of something that requires lots of capital up-front, such as a franchise business or a storefront.
But that's not the only definition of a business. You can do something as simple as sell goods on Etsy or Ebay, or begin a blog about your hobby. Just because it doesn't make millions of dollars doesn't mean it's not successful.
(Incidentally, that's a problem I have with so much of the business media. Almost all of it is written, it seems, for Wall Street investors, whose frame of reference is limited to the really huge, successful companies. But there's a whole world out there of successful small businesses that you or I would think are a success that the WS audience would consider a failure. And because the business press caters to them, smaller successes just don't get the spotlight the way they should. But I digress.)
You're right. We need new language. Starting a new business does sound fraught with risk, doesn't it? What's a better, new, term?
Same with retirement. In the past that meant playing golf in plaid pants. Not any more. Now it's "doing what you always wanted to do." If that's something you actually can make money from, it's a new career. I retired after four decades in business to be a writer. What if I figured out how to do that twenty years ago — would that be retirement or a new career… or a new business?
We need new language to frame a new way of living life which (for many reasons) was not available to our parents' generation.
Agree wholeheartedly Beth!
I'd like to see more articles about a) how to successfully navigate increasing income as an employee by managing your career, and b) the realistic pros and cons of becoming an entrepreneur and the type of people likely to enjoy and succeed at this path.
I didn't get from the article that you were referring primarily to side gigs. Perhaps that was my miss.
Starting a business for ADDITIONAL income is significantly different than starting one for primary income. There are still pros and cons to consider, but a different level of risk.
To be clear: I'm not against starting a business (for primary or supplemental income). I just hear too many people who shouldn't be starting a business considering it because they don't like their jobs or think it's easy money, and too many people who SHOULD be considering it not considering it because they are afraid of the risk even though there are ways of managing the risks and those specific people I'm referring to are capable of doing so.
One of the key skills needed to succeed as an entrepreneur is the psychological, financial, and operational ability to manage risk. The financial and operational skills can be learned, but if you don't realize that you need them, you probably wont learn them. The psychological part is individual, and is a huge part of whether entrepreneurship is the right path for you.
As for your (William) comments about the job market, that dynamic speaks to the other career path: being employed. There are risks here as well that people often ignore and fail to manage. There are also skills that need to be developed, such as career management. Learning the skill of career management enables one to increase one's income as an employee. Part of that is understanding that having a job doesn't provide security, having job skills that are DESIRED in the job market provides security (and income growth). This means you must pay attention to which skills are in demand and which skills have decreasing demand and opportunity.
While it is true that unemployment is high, 80-90% of the workforce is still employed. So it's a bit of an exaggeration to suggest that being employed may no longer be a viable option.
Earning a higher income is a competitive endeavor, whether you are self-employed or employed by others. You must have or develop the skills to compete effectively, grounded in a realistic understanding of what that entails for the path you choose.
Excellent points, Reggie. My only quibble would be this, to borrow a hockey analogy: There's a difference between where the puck is, and where it's going.
Twenty years from now, many jobs that people do today will be done by software and technology. (That's already beginning today, in fact; even some radiologists, surgeons and lawyers are seeing their jobs replaced by software algorithms and robots.)
My point is that starting your own business may not be just a choice in the future. It's likely going to be a necessity for many more people in the future than it is today.
This may be true, TJ, that more people will be self-employed in the future. However, I don't think your quibble contradicts my point that effective career management entails having or developing skills that are desired by the marketplace. This means having some understanding of the market trends for labor and skills.
So take your example about jobs being replaced by software and technology. I could take this fact and go several directions with it.
I could decided that software programming and testing is a growing field so I could get training on becoming a programmer. Or maybe that's not my thing. Maybe I don't have the interest and/or ability to be a programmer. Then I could decide to get training on repairing robots or other technology if I like to work with my hands.
Or, I could go an entirely different direction. I could realize that programming jobs are being concentrated in a certain area of the country or my city, and go into a service industry that provides personal services for this growing group of professionals.
These are just a few examples of potential options that arise from observation of just a single trend and reflecting on it with a career management mindset.
Net, I don't think that you as an individual are FORCED to become self-employed if that path doesn't work for you. There are other options within the context of the the larger trend. But I agree with you 100% on the necessity of being aware of those larger trends and planning accordingly.
Linda, LOVE your last post!
My personal observation is that some people would love the being self employed despite the risks and challenges, and others would hate it. There don't seem to be many people in the middle!
Sorry everyone for not replying directly to your comments, but I was responding from my phone, and there is no option to respond directly to a particular comment when you are on the mobile site.
I didn't even realize some of the comments were direct replies to mine until I came to the full website on my laptop just now!
I agree with the key point of the article that one should not count on wages to make you rich. The "trickle down" didn't work point is highly debatable. The well paying middle class jobs have largely evaporated widening the inequality gap.
Might as well be the 'intelligence gap'. Not to be insulting to anyone but the smarter you are the richer you become. Smart with money, smart with relationships, smart with saving etc.
I'm a bit skeptical about an intelligence gap considering the level of college/university graduates is higher than ever before.
A couple of things I learned when I was teaching:
- People are intelligent in many different ways. Some people who are test-score smart lack emotional/relationship intelligence, for example. Some people I know have started successful businesses such as roofing, cleaning or masonry.
- Personality plays a large role. You can be exceptionally smart, but you also need to get along with others, have self discipline and have a strong work ethic. Some people who don't do well in school do well as entrepreneurs because the freedom and autonomy of self employment suits their personality.
The charts are very interesting. It looks like the 1% have finally caught up with the 99%'s impressive income gains. Now we all make 3.5 times what our grandparents made. Everyone got their turn and surprisingly it looks like the 1% were genteel enough to go last. I'll take the current situation over any other point on those graphs.
I find contract work to be the best of both worlds. You can hire yourself out for a project, or a season (or any other set period of time). You don't have the year-round commitment to an employer or a business, and you can choose the gig you want based on what you need/want to earn for the moment.
In a sense, being a contracted or seasonal worker is a bit entrepreneurial. You have your set of "clients", which are your recurring employers, and can set your own work schedule throughout the year, deciding which gigs to take on. Best of all unlike a business or regular employment, can put up your "gone fishing" sign for an undefined amount of time without your job or business being compromised when you return.
Certain seasonal gigs and projects also pay more per unit because they are meant to be short-term with maximum output. Best of all if you get sick of one thing, it's not long before you can move on to the next thing and you never have to go back unless you want to.
Yeah, I may be romanticizing it a bit, but that is the working life that I am aiming for in the long-term. It may not make me rich financially(it could though), but it would definitely make me rich in flexibility and time…which is infinitely more important to me.
And unless you call owning rental properties a business (I'd be using property managers, not land-lording), I don't see myself owning a business on my own…at least not anytime soon.
Someone in this thread said "the rich get richer and the poor get poorer". I have to think that's only true if you stick yourself in a category and rely on the system. If you are willing to believe there is a better way, and step outside your comfort zone and create your own reality, you can change your future. I've seen it happen as part of the graduate degree program I am with when individuals create their own businesses. They think it's only a nice idea when they start but they surprise themselves when they achieve not only financial freedom but personal independence as well. Great article! Thank you.
Very interesting stats and great advice on getting rich slowly. Investing (buying properties and renting them out) and starting my own business have worked great for me in building wealth and achieving financial freedom.
This is a great article.
I'm actually really grateful for it being pretty fair as well, since most articles that I've seen discussing the 1% vs 99% are really just written to throw fuel on the fire…which really frustrates me.
Thanks for giving us all something to think about.
It's quite sad when some people are pointing fingers at the government for their failure of not being rich. Gov't has little (to nothing) impact on everyone's lives if we are just doing the "right thing" – spend less and increase income. That's it, nothing more, nothing less.
Yes, taxes mean a lot for us but that is part of our lives/existence. Else, better find a country that has no taxes
Looking to start my own business in the future. The article mentioned free resources for setting up billing, marketing, etc. Does anyone have good resources for those things?
Like the article, would like to see more info as to why the poor are getting poorer.
Suffice to say, one can't start a business if one can't speak proper English, nor make a complete sentence.
The 1% are smarter, more engaged, stay attune to what's happening in the world. The rest don't. And it's not that they can't, they just don't…or won't.
People are getting VERY lazy.


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Dahlquist Jewelry donates 1-carat diamond for fundraiser
Richard Koven and Dahlquist Jewelry in Poulsbo have donated a diamond to be raffled at the Sweetheart Dinner Auction, a fundraiser benefiting Kitsap Cancer Services and the Rotary Club of East Bremerton.
POULSBO — Richard Koven and Dahlquist Jewelry in Poulsbo donated a 1-carat diamond valued at $6,450 to be raffled at the Sweetheart Dinner Auction, a fundraiser for Kitsap Cancer Services and the Rotary Club of East Bremerton.
All proceeds will stay in Kitsap County to assist cancer patients and their families, as well as local community projects such as the Boys and Girls Club.
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Installing SilverStripe
SilverStripe Forums » Installing SilverStripe » install question
Getting SilverStripe up and running on your computer and on your web server.
Moderators: martimiz, Sean, biapar, Willr, Ingo, swaiba, simon_w
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Community Member
211 Posts
install question
18 March 2009 at 10:52pm
Hi !
When I unpack the archive in my root folder it creates another folder called "silverstripe_2.3" do I leave it there or do I have to move evrything inside the root folder so I dn't have to type www.mydomain.com/silverstripe_2.3/
thank you
Community Member
1 Post
Re: install question
22 March 2009 at 9:32am
You can do an mv * .. which should bring everything up a level. I'm not absolutely certain but do think that would do it, you may want to check for any mv command help online to be sure.
You would issue that command while in your silverstripe directory and it would move everything up one level - the asterisk means everything and the .. means up one level.
That's my two cents worth
Community Member
5 Posts
Re: install question
4 May 2009 at 10:21am
If I leave ss in a directory called silverstripe it runs fine; but I have to put the www.innatcloverhill.com/silverstripe in.
I need to be able to use www.innatcloverhill.com
So I've tried moving everything up to document root level & I get a redirect loop.
Any ideas as to why this is happening & others have posted that moving everything to the root will work?
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Archive for the 'The Debt and Deficit' Category
Federal Debt Has Doubled Since 2007
by Ben Bullard
The Congressional Budget Office (CBO) released an update to its ten-year budget and economic outlook report Wednesday. It begins by touting the ongoing reduction in the federal budget deficit – that is, in the simplest terms, the amount of money the government is spending each year beyond what Congress budgeted for that year. In other words, we're getting nominally closer to hitting the number Congress sets for the budget, but we're still spending more than that.
Read on, though, and you'll find the statistic that actually matters: the actual federal debt held by the public is growing rapidly, and is closing in on a figure that parallels three-quarters of the United States' annual Gross Domestic Product (GDP).
Right now, that number represents 74 percent of the annual GDP – up twofold from 2007 – and it's on track to hit 77 percent of GDP by 2024. Publicly-held debt is the only type of federal debt reported on the government's books as a liability. It outpaces the other type of federal debt – debt held by government accounts – by almost three to one. Debt held by government accounts, according to the Government Accountability Office, "represents balances in the federal government's accounts—primarily trust funds—that accumulate surpluses…Trust funds for Social Security, Medicare, Military Retirement and Health Care, and Civil Service Retirement and Disability account for the vast majority of the total debt held by government accounts."
Here's the CBO's Doug Elmendorf, who authored the official remarks on the updated projections:
Looking ahead, CBO's baseline projections show what we think would happen if current laws governing taxes and spending generally remain unchanged. Those baseline projections are designed to serve as a benchmark that policymakers can use when considering possible changes to laws.
…We expect that federal debt held by the public will reach 74 percent of GDP at the end of this fiscal year—more than twice what it was at the end of 2007 and higher than in any year since 1950. And in our baseline projections, that debt reaches 77 percent of GDP in 2024 and is on an upward trajectory.
Such large and growing federal debt would have serious negative consequences, including:
- Increasing federal spending for interest payments;
- Restraining economic growth in the long term;
- Giving policymakers less flexibility to respond to unexpected challenges; and
- Eventually increasing the risk of a fiscal crisis.
Remember, that projection operates on the assumption that the next president and Congress won't approve accelerated borrowing and spending, but will instead maintain the rate of increase that exists now.
The federal debt currently stands (or rises, rather) at $17.65 trillion.
by Chip Wood
Well, the Republican leadership has done it again. In the battle over government spending, they waved the white flag of unconditional surrender. Believe it or not, they gave Barack Obama permission to spend as much money as he wants over the next year — with absolutely no strings attached.
The media are reporting that the House and Senate passed a "clean" bill to raise the debt ceiling. Actually, they did no such thing. They didn't set a new limit on government borrowing. Instead, they abolished any debt ceiling for the next 14 months.
It's incredible how this deal will work. By suspending the debt ceiling, your friendly Federal government can spend all the money it wants — or rather, all the money that Congress will allow – between now and March 16, 2015. By an amazing coincidence, that gets everyone past the elections this November.
Then, when this temporary measure expires, the new debt ceiling will be the present debt — which is an absolutely appalling $17.2 trillion (yes, that's "trillion" with a "t") — plus however much more debt is created between now and next March. That will be another trillion dollars in red ink added to the total by the profligate politicos in Washington.
In just six years of his Presidency, Obama will have increased the national debt by more than $7 trillion. And what's most amazing of all is that our so-called leaders in Washington are actually claiming that this latest vote means that they were being "responsible." Isn't that incredible?
The Republican surrender began in the House of Representatives when Speaker John Boehner told a startled group of Republican Congressmen that he finally agreed not to attach any spending restrictions to the debt-ceiling measure. That is exactly what the Obama Administration had been demanding all along.
As hard as it is to believe, when Boehner announced his new plan at a closed-door meeting of Republican Congressmen, he actually expected to be applauded for it. When he was greeted by silence at the end of his remarks, he said rather petulantly: "I got this monkey off your back and you're not even going to applaud?" The docile lawmakers took the hint and gave him a less than robust round of applause.
That was all it took for 28 Republicans, including Boehner, to vote for the measure. All but two Democrats in the House also said "aye," so the no-debt-ceiling bill passed the House on Tuesday by a vote of 221-201.
Senate Majority Leader Harry Reid (D-Nev.) was absolutely delighted with the result. "A few reasonable House Republicans were willing to join Democrats to avert a catastrophic default on this nation's obligations," he said.
Reid wanted to rush the bill through on a straight majority vote. But that didn't happen. Instead, an interesting fight developed when Senator Ted Cruz (R-Texas) refused to go along. The Tea Party favorite forced the Senate to vote to end debate on the matter.
But ending debate can't be done by a simple majority; cloture requires 60 votes, and there are only 55 Democrats in the Senate (counting two independents who usually vote with them). Unless five Republicans could be found to join them, Reid wouldn't be able to bring the measure to a vote.
That's when Mitch McConnell (R-Ky.), the Republicans' ostensible leader in the Senate and a guy who insisted all of last year that he would never vote to raise the debt ceiling unless some spending restrictions were part of the deal, agreed to switch sides. So did John Cronyn (R-Texas), the Minority Whip in the Senate, and 10 other turncoats.
So Reid had the super-majority he needed to end the debate. The final tally on that one was 67-31, with a dozen Republicans joining all of the members of the Democratic caucus.
Now that the debt bill could be approved by a simple majority, it was safe for the Dirty Dozen to switch back. So every single Republican, including McConnell, pressed the "no" button. The bill to suspend the debt ceiling passed on a straight party-line vote, 55-43.
This means that McConnell will be able to assure the voters in Kentucky that he voted against suspending the debt ceiling. If you live there (or have any friends there), I hope you won't let him get away with this charade. Please remind everyone you know that McConnell was instrumental in getting the measure approved.
If it sounds like there was an unseemly rush to get the dirty deed done, you're absolutely right. That's because the House and Senate had already scheduled a recess from now until Feb. 24. But the Treasury Department said it was close to exhausting all of the "extraordinary measures" it was using to continue spending money. Unless it received new authority to borrow funds, it would begin defaulting on some payments on Feb. 27. Now, that won't happen.
So now what? In How To Stop More Republican Betrayals, I said that one of the best things conservatives could do was send McConnell packing. I urged you to support Matt Bevins, his opponent in the Republican primary in Kentucky this June.
Many conservative leaders agree with me on this. Amy Kremer, chairman of the Tea Party Express, said that her group will work to defeat McConnell and other Republican leaders this year. "Leadership needs to go — they need to be completely changed," she said.
Matt Kibbe, the president of FreedomWorks, says the choices are clear: "Do you stand with John Boehner and Mitch McConnell or do you stand for fiscal responsibility?" He says the move to suspend the debt ceiling will encourage his members to work even harder. "It heightens activists' desire to bring in new blood to Washington, D.C."
Let's hope they're right. In fact, let's do more than just hope. Let's work to make sure they are.
Until next time, keep some powder dry.
–Chip Wood
Sallie Mae: How feds fuel student-loan fiasco
By Kenric Ward
IT'S A MESS: Indiana University senior Randall Burns holds a sign he said represents the average debt a college student has after graduating.
By Kenric Ward | Watchdog.org
WASHINGTON, D.C. — While wringing their hands over America's student-loan crisis — a $1-trillion debt bubble resembling the 2008 mortgage meltdown — federal officials ought to look in the mirror. Washington started the mess and enables it to worsen.
Sallie Mae, a government-sponsored enterprise turned "private," exhibits a "pattern of breaking the rules and ignoring its contractual obligations," said U.S. Sen. Elizabeth Warren, D-Mass.
All the while, Sallie has raked in record profits with Washington's help.
Years after Sallie went private and dominated the student-loan market, the federal government continues to grant the company favorable loan contracts worth hundreds of millions dollars.
"These contracts are in addition to a number of indirect and direct benefits the government has already provided to Sallie Mae," Warren said.
A new report finds the "private" Sallie Mae:
- Borrows billions of dollars at "astonishingly low interest rates" through the federally backed Federal Home Loan Bank of Des Moines.
- Reaped profits of $321 million in 2010 (the latest year available) by selling government-guaranteed loans to the federal government.
- Benefits from "an asset-backed commercial paper conduit facility" through which it borrowed billions at the rate of 0.82 percent.
Nearly 39 million borrowers carry more than $1 trillion in federal student loan debt. About $120 million was delinquent in 2012 – a 30.5 percent increase from 2011.
But Sallie, who got her start as a government-sponsored enterprise like siblings Fannie Mae and Freddie Mac, is doing just fine.
"Its profits — boosted by special deals and breaks from the federal government — go to its shareholders," Warren said.
A slap on the wrist for Sallie
There have been a few bumps along the way.
- In 2007, Sallie Mae paid a $2-million settlement to New York to resolve claims relating to improper marketing of student loans.
- In 2008, the Treasury Department found that Sallie's debt-collection arm, Pioneer Credit Recovery Inc., violated its contractual obligations regarding recovery and disclosure.
- More recently, the Department of Education determined that Sallie Mae failed to report verbal complaints it received from student loan borrowers.
PROTECTION RACKET? Sen. Elizabeth Warren, D-Mass., says the federal government enables bad behavior by Sallie Mae.
Warren dismissed the government sanctions as a "slap on the wrist" for a lending giant whose net income rose from $530 million in 2010 to $1.4 billion in 2013.
"While the government has helped Sallie Mae maintain its profitability, it is not nearly as generous when it comes to student borrowers," the Massachusetts senator said.
"Defaulted borrowers face onerous collection practices, without even the hope of discharging their student loan obligations through bankruptcy. Where is that kind of accountability for Sallie Mae?"
At least part of the answer can be found on Capitol Hill, where Sallie spent $22.74 million lobbying federal officials from 2007-2013.
Sallie Mae officials contend the student-loan marketplace is healthy. It certainly is lucrative for them, with D.C. enablers keeping taxpayers on the hook.
The Federal Family Education Loan Program ensures Sallie against financial losses due to loan defaults.
With the frenzied trading of student-loan paper, Sallie Mae channels the quasi-government roles played by Freddie Mac and Fannie Mae in the real-estate boom and bust.
"It is a climate that has empowered the lending industry to act aggressively at every turn, placing students at risk of paying inflated interest rates and fees on their federal loans and leaving taxpayers to pick up the tab for hundreds of millions of dollars in excessive subsidies," according to an Education Sector report.
Another Education Sector study found that Sallie Mae's buyouts of other lenders tighten its relationship with college financial officers. For borrowers, outstanding balances balloon as fees are added every time a loan is sold or repackaged on the secondary market that Sallie dominates.
Sallie's hand is further strengthened by having more than 20 of its former employees working at the Department of Education, which is supposed to oversee lending and collection practices.
MORE DEVILS: Financial writer Bethany McLean sees excesses in the student loan industry, like the ones she exposed in the mortgage crisis.
"I always thought the strangest notion about Sallie was this idea that it was 'private,'" said Bethany McLean, who co-authored "All The Devils Are Here" about the 2008 Wall Street crisis.
"Sallie Mae was privatized, but the profits of student loans were still mostly guaranteed by the government. What kind of 'private' business is that?" she asked.
Here's a thought: Stop the cronyism
Are student loans lurching toward a Wall Street-style debacle?
The Reason Foundation, a libertarian-leaning think tank, notes that with bipartisan support, Sallie Mae secured "massive servicing contracts from the expanded Direct Loan Program, acquired a multibillion-dollar bailout of the student-loan industry and removed significant debtor protections from privately issued student loans, of which the company is the largest originator."
Reason recommends that the federal government "exit higher-education finance altogether."
"This would stop the cronyism rampant in the system. With no federal guarantee … such an industry would like establish a vetting process to reduce the risk of default."
Robert Merry, political editor of The National Interest, a conservative publication, said Republicans need not take a backseat to Democrat Warren on free-market reform.
"Republicans too often rail against big government but then give big government a pass when it aligns itself with big business," Merry said. "The country is being strangled by bigness."
Merry predicts that "a reckoning is inevitable, but the two (political) parties resist it because they operate in a political culture created by all this bigness."
"Meantime, ordinary Americans (including debt-laden students) are left feeling more and more like chumps."
In some extreme cases, the feelings run to suicide. Huffington Post reported on the deadly fallout of student-loan debt.
Kenric Ward is a national correspondent for Watchdog.org and chief of its Virginia Bureau. Contact him at firstname.lastname@example.com or at (571) 319-9824. @Kenricward
Congress Is Giving Obama a Blank Check
Remember all those debt limit fights? Well, apparently Congress got tired of fighting. So now they're working toward doing away with the debt limit altogether.
In recent years, conservatives fought to get at least some spending cuts, to begin putting the budget on a path to balance—after all, raising the debt ceiling means Congress has spent too much. Cutting spending before increasing the debt limit is necessary if Congress is to exercise some control over the debt.
But not this year. No one put up a fight this time—so Congress is essentially handing President Obama a blank check for the entire year.
"With almost $17.3 trillion in national debt, failing to put a debt limit in place to protect taxpayers from even more reckless spending by Congress is beyond irresponsible," Heritage's Romina Boccia, the Grover M. Hermann Fellow, told The Foundry.
That's $140,000 per household, by the way.
How does this work? And what does this mean for the nation?
Watch and share our new video, where Boccia explains in one minute.
Pete Souza
The Washington press corps was all atwitter yesterday with the news that the budget deficit is shrinking and the red ink will hit a seven-year low of $514 billion this year and $478 billion next year.
Wait. This is progress? Half-trillion-dollar deficits would have been unthinkable a decade ago; now they are cheered as progress. We are living in an Obama era of diminished expectations.
But what hasn't been advertised is the disgraceful longer-term outlook for our fiscal future, which took a turn for the worse. And Obamacare is the main culprit. In the long run, the budget deficit will be slightly more than $1.5 trillion WORSE than previously estimated.
In 2015, the deficit starts exploding again—to $912 billion in 2020, and then above $1 trillion annually from 2022 until the end of days. Is this really the path of fiscal righteousness?
By the way, one of the biggest ballooning expenses is interest on the debt, which rises from about $250 billion a year now to more than $800 billion in a decade. Wonderful: We will be paying more taxes not for vital public services, but to finance our past sins.
Meanwhile, the debt burden gets worse, not better. Our debt as a share of national output skyrockets from 72 percent to just shy of 80 percent of GDP within a decade. Obamacare contributes to this thanks to the massive costs of Medicaid expansion and driving an expected2 million people from the workforce. The budget deal that relaxed the budget caps and sequestration also has ratcheted up spending in every future year.
This budget report is full of mostly rotten news, and it only fortifies the case for challenging President Obama's demand for a "clean debt ceiling" extension with no reforms to get us off this reckless borrowing binge. A "clean" debt ceiling bill is a green light for Washington to keep up the binge spending. Ronald Reagan said it best: "This is like giving an alcoholic another drink."
In modern psychology, this is called being an "enabler," and let's hope conservatives in Congress have better sense than that.
America doesn't have to go bankrupt and it wouldn't if the American people were to rise up and demand serious action, but sadly, most Americans are too intimidated by the size and scope of the problem to demand major changes to the irresponsible way the government does business. Without the American people insisting that Congress move, the Republicans have shown that they're not serious about dealing with the deficit and the Democrats remain so intent on increasing spending that they wouldn't be behaving much differently if their goal was to create a debt-driven economic collapse.
Our nation's future is slipping away right in front of us and that's why it's important for those of us who care about our nation's future to point out quotes like these while we still have a short window of time where we can make a difference. Those of us who love this country need the American people to stand up, speak out, and force our government to behave responsibly before it's too late.
1) What would you think of a person who earned $24,000 a year but spent $35,000? Suppose on top of that, he was already $170,000 in debt. You'd tell him to get his act together — stop spending so much or he'd destroy his family, impoverish his kids and wreck their future. Of course, no individual could live so irresponsibly for long. But tack on eight more zeroes to that budget and you have the checkbook for our out-of-control, big-spending federal government. — John Stossel
2) John Kitchen of the U.S. Treasury and Menzie Chinn of the University of Wisconsin published a study in 2010 entitled:Financing U.S. Debt: Is There Enough Money in the World — and At What Cost?
The fact that sane men are even asking this question ought to be deeply disturbing. As to the answer, foreign official holdings of U.S. Treasury securities have usually been less than 5 percent of the rest of the world's GDP. By 2009, they were up to 7 percent. By 2020, Kitchen and Chinn project them to rise to 19 percent of the rest of the world's GDP, which they say is….do-able. Whether the rest of the world will want to do it is another matter. A future that presumes the rest of the planet will sink a fifth of its GDP into U.S. Treasuries is no future at all. But on Big Government's streetcar named Desire we have come to depend on the kindness of strangers. — Mark Steyn
3) The Federal Reserve is propping up the entire U.S. economy by buying 61 percent of the government debt issued by the Treasury Department, a trend that cannot last, Lawrence Goodman, a former Treasury official and current president of the Center for Financial Stability, writes in a Wall Street Journal opinion article published Wednesday. — Newsmax
4) In fact, in 2006, the Census Bureau found only 2.2 million households earning more than $250,000. And most of those are closer to the Lubbock city manager than to Carlos Slim, income-wise. To jump from the 50th to the 51st percentile isn't that tough; jumping from the 96th to the 97th takes a lot of schmundo. It's lonely at the top.But say we wanted to balance the budget by jacking up taxes on Club 250K. That's a problem: The 2012 deficit is forecast to hit $1.1 trillion under Obama's budget. (Thanks, Mr. President!) Spread that deficit over all the households in Club 250K and you have to jack up their taxes by an average of $500,000 — which you simply can't do, since a lot of them don't have $500,000 in income to seize. Most of them are making $250,000 to $450,000 and paying about half in taxes already. You can squeeze that goose all day, but that's not going to make it push out a golden egg.
….Every time you raise the threshold for eating the rich, you get a much, much smaller serving of meat on the plate — but the deficit stays the same. The long division gets pretty ugly. You end up chasing a revenue will-o'-the-wisp. — Kevin Williamson
5) Within a decade, the United States will be spending more of the federal budget on its interest payments than on its military. You read that right: more on debt service than on the armed services. According to the CBO's 2010 long-term budget outlook, by 2020 the government will be paying between 15 and 20 percent of its revenues in debt interest. Whereas defense spending will be down between 14 and 16 percent. –Mark Steyn
6) (In Pennsylvania, a) single mom is better off earning gross income of $29,000 with $57,327 in net income & benefits than to earn gross income of $69,000 with net income and benefits of $57,045." — From Gary Alexander, Secretary of Public Welfare, Commonwealth of Pennsylvania
7) For every 1.65 employed persons in the private sector, 1 person receives welfare assistance. For every 1.25 employed persons in the private sector, 1 person receives welfare assistance or works for the government. …The punchline: 110 million privately employed workers; 88 million welfare recipients and government workers and rising rapidly. — Tyler Durden
8) My name's Ronnie Bryant, and I'm a mine operator…. I've been issued a [state] permit in the recent past for [waste water] discharge, and after standing in this room today listening to the comments being made by the people…. [pause] Nearly every day without fail — I have a different perspective — men stream to these [mining] operations looking for work in Walker County. They can't pay their mortgage. They can't pay their car note. They can't feed their families. They don't have health insurance. And as I stand here today, I just … you know … what's the use? I got a permit to open up an underground coal mine that would employ probably 125 people. They'd be paid wages from $50,000 to $150,000 a year. We would consume probably $50 million to $60 million in consumables a year, putting more men to work. And my only idea today is to go home. What's the use? I don't know. I mean, I see these guys — I see them with tears in their eyes — looking for work. And if there's so much opposition to these guys making a living, I feel like there's no need in me putting out the effort to provide work for them. So as I stood against the wall here today, basically what I've decided is not to open the mine. I'm just quitting. Thank you. — Ronnie Bryant
9) Wyatt Emerich of The Cleveland Current analyzes disposable income and economic benefits among several key income classes and comes to the stunning (and verifiable) conclusion that "a one-parent family of three making $14,500 a year (minimum wage) has more disposable income than a family making $60,000 a year.
10) The typical husband and wife who reach age 66 and qualify for Social Security — Starting next year, this typical couple, receiving the average benefit, will begin collecting a combination of cash and health-care entitlement benefits that will total $1 million over their remaining expected lifetime.According to my calculations based on government data, such married couples will begin receiving monthly Social Security checks that will, on average, total about $550,000 after inflation. They will receive health-care services paid for by Medicare that, on average, will total another $450,000 after inflation. The benefactors will be a generation of younger workers who are trying to support themselves and their families while paying taxes to finance the rest of government spending.
…Medicare premiums paid by senior citizens once covered half of the cost of physician and related services. They now cover one-fourth. Copayments once covered nearly 40% of these services' costs. They now cover only 20%. — Joe Cogan
11) The CBO numbers foresee net interest payments rising from 9 percent of revenue to 36 percent in 2030, then to 58 percent in 2040, and up to 85 percent in 2050. If that trajectory holds, we'll be spending more than the planet's entire military budget on debt interest. But forget mid-century because, unless something changes, whatever goes by the name of "America" under those conditions isn't worth talking about. — Mark Steyn
12) The total present value of payments expected under Social Security and Medicare beyond what is expected to be collected under current tax laws is about $100 trillion. One way to put that amount of money in context is to note that it is about twice the amount of all the net private assets that exist in America today. To answer cw's question directly, the best back-of-envelope estimate is that meeting this unfunded portion of our Social Security and Medicare commitments would require roughly an immediate 80 percent increase in federal income taxes, sustained forever. — Jim Manzi
13) The total fiscal overhang of our federal, state, and local governments — their combined debt and unfunded liabilities — is around $140 trillion, and growing. That is about twice the annual economic output of human civilization, and nearly the value of all the financial assets in the world. It is something close to a mathematical certainty that those debts and obligations will not be made good on at their present value. –Kevin Williamson


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Spineless Mom Defies the Odds
This mom is truly amazing.
Last night on "Born Different: Unbelievable Medical Conditions" on the E! Network, an incredible mom was featured.
Rose Siggins has no lower spine or legs due to a condition called Sacral Agenesis. Yet, she was able to give birth to two kids.
Check out this amazing video:
Rose is such an inspiration to us all.
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The position of firms in France at end-2008 — Recent developments
AbstractIn the context of the economic slowdown, payment incidents and company failures increased. Bank liabilities continued to rise, but less sharply than in 2007.
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Bibliographic InfoArticle provided by Banque de France in its journal Quarterly selection of articles - bulletin de la Banque de France.
Volume (Year): (2009)
Issue (Month): 14 (Summer)
Pages: 29-38
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Postal: Banque de France 31 Rue Croix des Petits Champs LABOLOG - 49-1404 75049 PARIS
Web page: http://www.banque-france.fr/
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Related researchKeywords: manufacturing sector; SMME; activity; profitability; debt; financial structure; group.;
Find related papers by JEL classification:
- E22 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Capital; Investment; Capacity
- G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
- L23 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Organization of Production
- L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance
- L6 - Industrial Organization - - Industry Studies: Manufacturing
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Learjet 40s enter customer service
At press time, Bombardier Aerospace expected to have delivered six copies of its newest business jet, the Learjet 40. In January the company delivered the first batch of Learjet 40s–two went to U.S.-based operators, two entered service with Bombardier's Flexjet fractional-ownership program, one was delivered to a corporate operator based in Germany and the manufacturer expected to hand over one more before the end of last month. The Learjet 40–an approximately $8 million, six-passenger, shortened (by 24.5 inches) version of the approximately $10.3 million, eight-passenger Learjet 45, with most of the same systems–received FAA certification on July 11 under an amendment to the Learjet 45 type certificate. The JAA gave its approval on January 4. The Learjet 40 is the second new Bombardier business jet to enter service in January. The first super-midsize Bombardier Challenger 300 joined the Bombardier Flexjet fleet earlier that month.
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Stay the course: Though they won't rule out more moves, Houston Dynamo's roster largely complete
HOUSTON – While many MLS teams were busy making plenty of changes to their rosters during the offseason, the Houston Dynamo largely stood pat. As a team that has made the MLS Cup or Eastern Conference Championship three years running, they know they have plenty of quality.
And although Dynamo coach Dominic Kinnear did not indicate any moves were on the horizon for his club, he admitted he is always looking to help the team.
After the first day of 2014 training, midfielder Andrew Driver spoke about his return to the Houston Dynamo.
Corey Ashe, Dominic Kinnear and Chris Canetti shared their thoughts on the upcoming 2014 campaign with the media in a press conference following the first training session of the year.
Day 1. (via @soccersportsmed) #ForeverOrange pic.twitter.com/4erh2x5R5d
Houston Dynamo announce 2014 preseason schedule
The Houston Dynamo announced their 2014 preseason schedule today, with training sessions beginning on Monday, January 27. The schedule is tentative and subject to change.
During preseason, the Dynamo will train and play friendlies in Tucson, Ariz., from February 4-10. The Arizona trip will include games against the Portland Timbers, San Jose Earthquakes and Vancouver Whitecaps. All matches will be played at the Kino Sports Complex.
Dynamo, Southern Methodist University draw 2-2 in scrimmage
Dynamo cruise to 6-1 scrimmage win over Houston Baptist University
Dynamo drop Desert finale, 2-1, to Vancouver Whitecaps
Elliot's goal sparks 1-0 Dynamo win over Colorado Rapids in Tucson scrimmage
The Houston Dynamo earned a 1-0 win over the Colorado Rapids on Thursday night in a preseason scrimmage at Kino Sports Complex in Tucson, Ariz. Dynamo trialist Calum Elliot scored the game-winning goal just 63 seconds into the match on a setup from rookie Jason Johnson.


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Flat-screen televisions come with premium cable channels. Guestrooms also feature complimentary wireless Internet access, complimentary high-speed (wired) Internet access, and refrigerators.Information missing or incorrect? Tell us!
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Holiday Inn Express & Suites Morrilton features an indoor pool and a fitness center. A computer station is located on site and high-speed wireless Internet access is available for a surcharge. A business center is on site. Guests can enjoy a complimentary breakfast. This Morrilton hotel also offers dry cleaning/laundry services and a safe deposit box at the front desk. Complimentary self parking is available on site.
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Rain or shine, the Estefans know how to throw a great party.
The weather didn't behave for the Larios on the Beach grand reopening Thursday night, but inside the newly glitzed-up Ocean Drive spot guests were in a great mood. Attendees sipped on freshly made mojitos and nibbled on hors d'oeuvres of pulled pork, conch fritters, fried meatballs and veggies served with a cilantro aioli.
Owner Emilio Estefan entered in a gray suit and big smile. A little later on, wife Gloria arrived in a sexy red dress and perfectly coiffed hair (how she keeps it so straight and perfect in a rainstorm is a good question).
Tree hugger
Haulover Beach Park just got a little more fashionable.
Ecofriendly designer Stella McCartney — daughter of cute Beatle Paul McCartney — contributed 30 trees to the dog park as part of the community program Million Trees Miami. The tree-planting ceremony went down Friday morning, though Stella, who lives in London; was unable to attend; staffers from her namesake store at Bal Harbour Shops were on hand.
"We are proud of Ms. McCartney's commitment," said Miami-Dade Mayor Carlos A. Gimenez at the event. "As a business owner, she is demonstrating her community stewardship by increasing shade and beautifying our parks, contributing to something we can all enjoy."
Selfie op
While older sister Kim plans her wedding in Florence, Italy, Khloe Kardashian may be hanging with her latest companion, French Montana. The rapper tweeted to his 1.74 million followers that he will be in town Sunday at Bamboo club in Miami Beach, which is celebrating the second anniversary of its Prestige Sundays parties. Table reservations: 305-904-5909.
Madeleine Marr


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When your child is bitten or scratched by an animal, remain calm and reassure your child that you can help. Specific treatment for an animal bite will be determined by your child's doctor. Treatment may include:
For superficial bites from a familiar household pet that is immunized and in good health:
Wash the wound with soap and water under pressure from a faucet for at least five minutes, but do not scrub as this may bruise the tissue. Apply an antiseptic lotion or cream.
Watch for signs of infection at the site, such as increased redness or pain, swelling, or drainage, or if your child develops a fever. Call your child's doctor or health care provider right away if any of these occur.
For deeper bites or puncture wounds from any animal, or for any bite from a strange animal:
If the bite or scratch is bleeding, apply pressure to it with a clean bandage or towel to stop the bleeding.
Wash the wound with soap and water under pressure from a faucet for at least five minutes, but do not scrub as this may bruise the tissue.
Dry the wound and cover it with a sterile dressing. Do not use tape or butterfly bandages to close the wound as this could trap harmful bacteria in the wound.
Call your child's doctor or health care provider for help in reporting the attack and to decide if additional treatment, such as antibiotics, a tetanus booster, or rabies vaccination is needed. This is especially important for bites on the face or for bites that cause deeper puncture wounds of the skin.
If possible, locate the animal that inflicted the wound. Some animals need to be captured, confined, and observed for rabies. Do not try to capture the animal yourself; instead, contact the nearest animal warden or animal control office in your area.
If the animal cannot be found or is a high-risk species (raccoon, skunk, or bat), or the animal attack was unprovoked, your child may need a series of rabies shots.
Call your child's doctor or health care provider for any flu-like symptoms, such as fever, headache, malaise, decreased appetite, or swollen glands following an animal bite.
The third-party content provided in the Health Library of phoebeputney.com is for informational purposes only and is not designed to diagnose or treat a health problem or disease, or replace the professional medical advice you receive from your physician. If you or your child has or suspect you may have a health problem, please consult your primary care physician. If you or your child may have a medical emergency, call your doctor or 911 or other emergency health care provider immediately in the United States or the appropriate health agency of your country. For more information regarding site usage, please visit: Privacy Information, Terms of Use or Disclaimer.
© 2014 Phoebe Putney Health System | 417 Third Avenue, Albany, Georgia 31701 | Telephone 877.312.1167
Phoebe Putney Health System is a network of hospitals, family medicine clinics, rehab facilities, auxiliary services, and medical education training facilities. Founded in 1911,
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2611 Atlantic Street has a Walk Score of 55 out of 100. This location is Somewhat Walkable so some errands can be accomplished on foot.
2611 Atlantic Street is a three minute walk from the 700 METRORail Redline at the FULTON NORTH CENTRAL NB stop.
This location is in the Northside Village neighborhood in Houston. Nearby parks include Davis High School Football Field and Track, Davis High School Baseball Field and Moody Park.
Nearby schools include Ketelsen Elementary School, Davis High School and Marshall Middle School.
The closest grocery stores are La Michoacana Meat Market, St Peter Food Market and Falcon Drive In Groceries.
Nearby coffee shops include Paper Co., Last Concert Cafe and JDK Cafe. There are 11 restaurants within a 15 minute walk including McDonald's, Rey del Pollo (The Chicken King) and Pizza Patron.
2611 Atlantic Street is near University of Houston - Downtown, Enterprise Products Partners Headquarters and Plains All American Pipeline Headquarters.
There are minimal bike lanes and the terrain is flat as a pancake. 2611 Atlantic Street is bikeable, there is some bike infrastructure.


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Oklahoma Sound 612CH Vision Floor Lectern with LCD Screen - Light Cherry Finish
- 15" high resolution screen displays images, videos, and music
- Compatible with all SD memory cards; supports JPEG, MPEG, and MP3 files
- Easy-to-use remote included
- Modern design and 4 concealed casters
Oklahoma Sound
Oklahoma Sound AV Presentation
Learn about the exciting presentation possibilities with Oklahoma Sound's line of elegant audio / visual carts and lecterns!
Display customized logos, images, video clips and even music with this Oklahoma Sound 612CH Vision floor lectern with LCD screen! A brilliant, high-resolution 15" flat screen is built into the front of this model, allowing you to display logos, videos, and more during your professional presentation! Or, use this lectern as a host / hostess station and use the screen to display photos of your delicious dinner deals while customers wait.
An easy-to-use remote control allows the presenter to switch to various preloaded images with the touch of a button. This lectern's screen features a full range of customizable settings, including slide show intervals, picture layout, and on screen menus available in 7 different languages! Boasting a curved, modern design, this lectern's thermofused laminate construction with light cherry wood finish will fit perfectly with the décor at your restaurant, hotel, conference room, and more.
- (2) shelves: 14 1/2"W x 23"D each
- 15" LCD flat screen on front of lectern is framed with contoured matte black laminated wood
- High resolution screen (1024 x 768) with 4:3 aspect ratio for optimum visual quality
- Supported formats: images (JPEG), video clips (MPEG), music (MP3), compatible with all SD memory cards
- Easy-to-use remote control allows you to forward to next slide or logo during a presentation
- (4) concealed castors (2 locking) for easy transport
- Assembly required
Left to Right: 24"
Front to Back: 21"
Height: 46"
Because this item is not stocked in our warehouse, processing and transit times will vary. If you need your items by a certain date,
please note this in the comment section while checking out! Please feel free to log on to our Live Chat should you have any questions
before placing your order. After your order is placed, we will update you via email to let you know how this will be shipping to you.
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2008 HDV Belle Cousine Red Hyde Vineyard
Back to Products
Select Quantities
750ml Bottle $638.29
Case of 12
750ml Bottle $638.29
Case of 12
Item #54721
Size: 750ml
Type: Red Wine
Varietal: Red Bordeaux Blend
Country: United States
Region: California, Napa Valley, Carneros
Prices, promotions and availability may vary by store and online.
2010 Beaulieu Vineyards Tapestry Reserve
"Glides along, offering an alluring mix of dense, dark blueberry, melted black licorice, grippy loamy earth and tannins that give the flavors traction. Impressive on the finish. This will appeal to those who like to chew on their reds. Cabernet Sauvignon, Merlot, Petit Verdot, Cabernet Franc and Malbec."
$39.99 / 750ml Bottle
$455.89 / Case of 12
$455.89 / Case of 12
2010 Dominus Napanook
"The 2010 Napanook (98% Cabernet Sauvignon and 2% Petit Verdot) reveals a pungent, spicy, earthy, slightly herbal nose, and an exuberant mouthfeel with lots of plum, licorice, red and black currants and a hint of sweet cherries. The wine is slightly more in-your-face and aggressive than most Napanooks, but I enjoyed its exuberant style."
$49.99 / 750ml Bottle
$569.89 / Case of 12
$569.89 / Case of 12
2010 Kapcsandy Family Winery Endre Red
"The less expensive 2010 Endre (53% Cabernet Sauvignon, 43% Merlot and the rest Petit Verdot and Cabernet Franc aged in both French and Hungarian oak) is very Bordeaux like. Notes of bouquet garni, red and black currants and loamy soil are present in this medium-bodied wine that seems to be a faster evolving effort than its siblings. With excellent texture as well as an elegant style, and I use that word in a positive sense, it should drink well for 10-15 years."
$74.99 / 750ml Bottle
$854.89 / Case of 12
$854.89 / Case of 12
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But from the way you describe it, your husband's "looking" sounds utterly intentional, and it's evolved into an issue in your relationship. Is he lying? My guess is no, not exactly; he really would have stayed in Minnesota if he'd wanted a blonde. He does, however, seem to get something out of keeping you insecure about your looks, and, yes, your race. It's not just that he looks at other women; he makes a point of looking at white women, then telling you that you're misreading his interest. That's undermining behavior, at the very least.
I'm struck by what I imagine you perceive to be your level-headedness in telling your husband, "Go and get what you want; let's move on if you're not satisfied." What can I say here but no, no, no. You're this man's wife, not a car he's test-driving.
As for his ogling, you must refuse to tolerate it a minute longer. The next time he does it, let him look as long as he wants without interrupting him. Then tell him straight out that you find his behavior insulting, and if he does it again in front of you, you're not putting up with it. Keep a spare set of car keys in your purse, or cash for a cab, and if you catch him gawking, make good on your promise and leave the party, the restaurant, the movie theater, the Starbucks. I, too, was once involved with an ogler, and letting my actions speak louder than my words worked rather quickly. I suspect that when he discovers you're not going to stand for it, he'll keep his wandering eye under control.


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Definitely Going To Miss You A Lot
(Source: gunkan-jima)
Let It Burn
Keep believing. Keep working. Things will get better
i watched this on the news, it was in melbourne in 2009, it's about a lady that was waiting for the train, and she had her baby in a pram, and as the train was coming the pram rolled onto the tracks, the lady closest to the edge is the mother, she tried to grab the pram but it feel onto the track, amazingly the baby survived with literally only a scratch on the forehead because it was still strapped securley into the pram, people say that the dark shadow over the pram is some kinda of guardian angel that kept the baby alive
"What am I doing?!
I'm so confused. I hate it&i hate what my mind is doing.
I need to figure it out…/:"
— (via changeisb-e-a-utiful22)
What's wrong?? :/
All I want to do is get better, ball, and dunk like that
That's what I'm saying
My lovely followers, please follow this blog immediately!
(Source: holyspongeblog)


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The New York Times censors John McCain
Full coverage of the US elections 2008
British readers may wonder why anyone should be shocked by a newspaper demonstrating its clear political bias. The censorship imposed by the New York Times on the views of the Republican presidential candidate John McCain whose article on Iraq it refused to run unless he was prepared to amend his position, would be unlikely to provoke outrage in this country.
The New York Times refused to publish John McCain's article
British newspapers are frankly partisan or at least clearly understood to have broad political positions and preferences. They are not expected to be neutral. Indeed, many Conservative readers of the Daily Telegraph consider any hint of objectivity – which is to say, criticism of their party's leadership – to be unforgivable treachery, thereby missing the point of the journalistic enterprise.
But even those who do not subscribe to the Kim Il Sung school of political discourse, believe that one of the functions of a national newspaper is to represent the views, not necessarily of a political party, but of a tendency or belief system.
You buy the paper that you find most congenial to your own perspective – or you buy more than one in the hope of getting several conflicting perspectives. (Now that so much newspaper-reading is done on the web, this process is even easier – and cheaper.)
Here, it is broadcast news which is supposed to be unbiased: indeed, it is legally required to be so by the regulatory system, which is why controversies over BBC or Channel Four bias have such serious implications.
But in the United States, there is a quite different media pattern. Because there is no national press – all newspapers being regional – there is generally a single newspaper which dominates the market in every city and its environs.
With no competition, there is no diversity. And so the old journalism school doctrine of objective reporting on the news pages (as opposed to the stated policy of the editorial pages) used to be considered sacred.
It is in the broadcast media – the radio talk shows and the TV cable news channels - where political prejudices and party loyalties can be blatantly displayed because only in that realm is there any real choice and plurality.
But my journalist friends in the US tell me that the old newspaper tradition is breaking down, and that the New York Times which once prided itself on its scrupulously objective news coverage, is permitting its left-liberal bias to spill over onto the front pages.
And it is in that context that we must view the John McCain incident: newspapers are struggling to survive in America against competition from television and the internet. They have obviously decided that impartiality is a luxury they can no longer afford.
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The Beastie Boys' 1980s heyday preceded Twitter by decades, but sorrowful messages following the death of Adam Yauch is dominating the social media site this afternoon.
The phrases Beastie Boys, RIPMCA, Paul Revere, Licensed To Ill and Brass Monkey all are trending at the moment and celebs are rushing to tweet words of support.
"Crushed to hear the news of Adam Yauch's passing," Lance Armstrong posted.
"A true pioneer of art," Justin Timberlake said on his feed. "My thoughts and prayers are with his family and loved ones."
"So sad to hear of the passing of Adam Yauch," Jimmy Fallon posted. "He was a great performer, director, father, humanitarian and New Yorker."
"R.I.P. Adam Yauch Beastie Boys," posted M.C. Hammer.
Yauch, also known as MCA, had undergone surgery and radiation following a 2009 cancer diagnosis.
Music industry mogul Russell Simmons, Yauch's mentor, posted a photo from the band's prime era on his web site.
"Adam was incredibly sweet and the most sensitive artist, who I loved dearly," Simmons wrote. "I was always inspired by his work. He will be missed by all of us."
The official Boyz II Men Twitter feed offered condolences.
"Sad sad day," it read.
The artist's passing transcended the music world.
"Born and Bred in Brooklyn, U.S.A., they call him Adam Yauch, but he's M.C.A.," tweeted U.S. Sen Chuck Schumer. "RIP Adam."
He added the hashtags #beastieboys and #nosleeptillbrooklyn
- Jennifer Brett/The firstname.lastname@example.com
May 4th, 2012
6:24 pm
[...] Twitter abuzz with posts on Yauch Trending now on accessatlanta Adam Yauch of the Beastie Boys dies at 47 [...]
May 4th, 2012
10:00 pm
Such a pioneer of hip hop. RIP!
May 5th, 2012
1:13 am
[...] (blog)Strap On Your Ear Goggles And Remember Adam Yauch With A Beastie Boys Walking TourGothamistAtlanta Journal Constitution (blog) -Ecorazzi -CNN (blog)all 2,319 news [...]
May 5th, 2012
7:11 am
[...] Atlanta Journal Constitution (blog) [...]
May 5th, 2012
1:27 pm
Is Is it ok if I copy your entry in part,I will reference back to your website?
May 8th, 2012
10:41 am
[...] died on Friday at the age of 47 after a nearly three year battle with cancer and social media went berserk as soon as news broke. Stars and regular fans alike paid tribute to the late MCA. The New York Mets [...]


text:
Widespread use of ignition interlock devices that won't allow a car to be started if a driver has had too much alcohol, once considered radical, no longer seems out of the question. Mothers Against Drunk Driving (MADD) gives a qualified endorsement to the idea. New York state legislators are considering requiring the devices on all cars and trucks by 2009. And automakers, already close to offering the devices as optional equipment on all Volvo and Saab models in Sweden, are considering whether to bring the technology here.
Steven Carter, a Colorado Springs-based photographer, voluntarily put one on his Honda Prelude last year after his third drunken-driving arrest since 1999. He had quit drinking but installed it as a "safeguard with me."
The decision was fortunate: Four months ago, Carter had a relapse and tried to drive his car after drinking at a bar.
It wouldn't start, so he took a cab home and went back the next day to get it. It still wouldn't start because he set his device to detect alcohol above a 0.01 blood-alcohol level.


text:
Was £22.00
Now £11.00
Now £6.60
70% Off
Save a total of £15.40
Item not in stock
Standard Delivery
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International Delivery
Silver heart drop earrings
Item No.0600118173
We're in love with these silver earrings from Martine Wester, decorated with clustered jewels and diamante detail to the heart pendants.
- Silver
- Hypo-allergenic nickel free worn gold.
- Glass beads/stones
- Drop Length 4.5cm; Width 1.5cm
- Lose yourself in soft ethereal pastel shades on silver tones with playful charms inspired by nature.
Deliveries are between 8am - 6pm, Mon - Sat.
FREE if you pay with your Debenhams card
FREE delivery on all orders over £30 (normally £3.99)
Deliver to store for collection ( 160 participating stores ) FREE
International Delivery £7.00 to £15.00
Debenhams is happy to exchange or refund your purchase within 28 days providing the goods are in a fully resaleable condition (including tags) and not within the exclusion policy*. This policy does not affect your statutory rights. You can return unwanted items either by visiting your local store (the fastest way to get a refund), by arranging a courier collection or returning by post. Exclusions apply to selected products. For instructions on how to return products and information on Debenhams refund policy visit the returns and refunds section of the website.


text:
Draw Slasher v1.0.4 for S^3 game
Draw Slasher v1.04
In Draw Slasher, we need to shred some obscure zombie, using all the abilities ninja assassins. In the toy is very interesting control is implemented. You can move using a virtual on-screen buttons, but you can specify the path with your finger, making strokes on the screen. If you cross the enemy, then along the path you have drawn, it will be chipped into pieces.
Draw Slasher has very nice graphics. Toy though very carefully rendered pencil. The only color that is wedged into these shades of gray is red – the color of the blood of your enemies.
- Operating modes: survival, wave, hardcore, classic;
- Opportunities to make a fabulous (100 +) combo;
- A lot of blood and severed limbs;!
- Easy and interesting combat mechanics;
- Zombie Pirate Monkey!


text:
Mystical Photography by Frederic Larson
Magic of the Bay Area captured by Chronicle photographer, Fred Larson
Posts filtered on Tag
Summer Love
New surf website filled with images such as these and a collection of Instragram photographs. If your looking for real love follow this person who was last seen strolling Waikiki Beach. [Read More]
All Moms Day
Friends of Photography take images such as these, see details here. [Read More]


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Ashley Kallos took on a veteran Ontario Scotties skip and emerged victorious.
The Thunder Bay skip scored three in the ninth end to take down former finalist Cathy Auld 9-4 on Day 2 of the provincial women's curling championship, evening her record at 1-1. Auld, who won her opener, fell to 1-1.
Kallos and teammates Jessica Williams, Laura Vieira and Oye-Sem Won opened a 4-1 lead in the fourth, then stole one more in the fifth to take a 5-1 lead at the break. Auld cut her deficit in half with two in the sixth, but the two teams traded points in the seventh and eighth, Kallos maintaining a two-rock advantage.
In Monday's opener the Kallos rink fell 7-5 to Listowel's Allison Flaxey.
Flaxey, Julie Hastings and Julie Reddick top the standings at 2-0.
Kallos takes on Tracy Horgan in Draw 4 on Wednesday.
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Philippine Red Cross ECO Run
OOA 250600 September 2011, PCSUPT JUFEL CORPUS ADRIATICO, RD PRO 10 together with the members of the Command Group, Directorial Staff and two hundred ninety three (293) PCOs and PNCOs of Hqs PRO 10, COCPO, 10th RPSB, PPSC-RTS 10 and PNP NSUs of Region 10 participated the "ECO RUN" A Run for a Cause for Red Cross Building Fund Generation.
The activity is in connection with the Board Resolution of the Philippine Red Cross Misamis Oriental-Cagayan de Oro Chapter supporting the Eco run and launching of the Red Cross Million Volunteers Run. A registration fee of one hundred fifty (P150.00) pesos is required to a runner to generate funds for the construction of Red Cross Building.
Prior to the run, an opening program was conducted at Red Cross Office, Capitol Compound, Cagayan de Oro City particularized as follows: registration of participants; briefing of the run by Mr Jimmy Macabatbat of the the Red Cross; Oath of sportsmanship by Mr Dave Vallejos; Hataw by Red Cross volunteers followed by the run of 3k and 5k which started at the Capitol Compound and finished at the same place.
PCSUPT JUFEL CORPUS ADRIATICO, RD PRO 10 and Ms Myra Balandra, President, Philippine Red Cross Misamis Oriental-Cagayan de Oro Chapter gave messages expressing their appreciation and thanks to all heads of office and participants of the run.


text:
Design Vs Cancer: May This Great Project Grow King-Size
Are you a designer? You will want to know about this great project. I even bet, if you have a heart, you'll want to get involved. Both of this is possible. Let's start by telling you, what Design versus Cancer is all about. The next step is up to you. If you are not a designer, you'll want to know about that project, too. Help it grow. Let's support this great cause and make the world a better place…
Read more
The Case of Viral Nova: Going Steep in a Month
Business Insider recently published a provocative article titled "One Guy Figured Out How To Make Millions In 8 Months — Here's Why He Might Auction His 'Easy Money' Startup Away". The article discussed the story of Viral Nova, a website that hardly has any unique content, but gets millions of unique visitors every month. Thus, the news that it was on sale was both shocking and interesting to me. The question is, how did Viral Nova become this popular, why is the owner wanting to sell it off, and more importantly, how can one replicate its model? In this article, we'll be discussing possible answers to these questions.
Read more
Banksy in New York: Controversy, Adversity, and Exposure
As all of the art world knows by now, Banksy, the elusive street artist from the UK has spent the entire month of October in New York. He left 27 works of art in various locations of New York, plus a landscape oil painting "vandalized", an unpublished op-ed for The New York Times, and two videos plus a free t-shirt graphic for fans on his website. Appropriately named Better Out Than In, Banksy clearly reveals in the header of the website that his New York trip is about his conviction that art should be found outside of galleries to be easily seen and enjoyed by the masses.
Read more
In Finland, Street Art Is Catalyzing a Change in Law
Street art is a cultural phenomenon and has been around long-since. Actually I cannot think of times in my life where street art had not been present. What changed is the way it is done, techniques have been refined and today, street art is a valid form of art in itself. In the past we have shown how street art always occurs in relation to the circumstances people live in. Our last piece on street art, done by our Asian outpost Simon Arms, may prove as an example. Street art has its say on religious, political, cultural and just about any other topic that relates to the everyday lives of the people. In Finland, these days street art is actually catalyzing a change in law. Read the official press release of the "Repeal Lex Karpela Campaign" that sheds some light on what is happening there and what they intend to do against it:
Read more
All of Us are Students: Interview With Designer and Podcaster Tim Smith
For years Tim Smith has been vocal part of the design community. From the various projects and blogs that he has been a part of, to the even more literal interpretation of him being a part of the community as the voice behind the design and development related podcast, The East Wing. His enthusiasm and insights make him a valuable asset to the community, but beyond that, they make him an inspiration to all of those in this ever evolving field of web design. We had the opportunity recently to turn the tables on Tim, and put him on the other side of the interview. He was gracious enough to take time out of his busy schedule to provide some of his insights for noupe's readers.
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The Smashing Book #3 "Redesign The Web" Is Out!
The new Smashing Books have finally arrived—freshly printed, neatly packed and ready to be shipped to you, our dear reader. We believe this is by far the best book we've produced so far. We are very proud and excited, and the initial verdict has been thoroughly positive, yet in the end it's up to you to decide how valuable and useful they really are. Get your books now!
Read more
Massimo And Lella Vignelli: Designs That Will Outlive Mankind
There are two major things that had to be overcome in writing this spotlight on Massimo and Lella Vingnelli: One was how approach the subjects in a different way as they've had so much written about them? Two, as with writing about other designers who are still living, one runs the risk of being told by them that the article is wrong or even worse, moronic. Admittedly, I'm more concerned about the first as the second is nothing new to my writing career.
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Matthew Hawkins: Toying Around With Paper Engineering Creativity
When I was with a former employer there were rumors of upcoming layoffs (obviously the rumors ended up being true or I wouldn't be referring to it as a FORMER employer). The company denied the rumors, which sent employees a message to be nervous. Sure enough, layoffs started. First it was some forced retirements. Then the sales force got hit hard. Naturally, the creative department, which…
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Piet Zwart: The Rebellious Type
"Among the few I have indicated, is there no dynamic man of action, the rebel who will help determine the aspect of the collective expression of tomorrow? Ponder this question and know that to make beautiful creations for the sake of their aesthetic value will have no social significance tomorrow, will be non-sensical self-gratification. Every era contains the conditions for providing a rebel." – Piet Zwart
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Designer Spotlight: Interview With Illustrative Designer Von Glitschka
As we turn our designer spotlight on once again, this time we have it fixed on Illustrative Designer Von Glitschka of Glitschka Studios. With years of design experience under his belt, and an artistic background to boot, Von has made a lasting impression on the field where he has made his home. And we are lucky to have gotten a moment of his time recently to get him to answer some questions for us and our readers.
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Was £159.00
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Now £47.70
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Plain black 2 button suit jacket
Item No.46497_0028842A
The Centaur Big & Tall collection is designed to make big and tall men look their best with a cut, fit and proportions that flatter the larger man. These easy-care washable suits provide comfort whilst looking smart for business. Jackets are available from 44" to 56" chest and trousers from 38" to 54" waist.
- Centre vent
- Outer fabric: 54% polyester 44% wool 2% elasthane / lycra
- Lining: 100% polyester
- 2 button fastening, single breasted
- Notch lapel
- 3 button cuff
- Left and right straight pockets plus breast pocket
- Centre vent
- 3 button cuff
- Left and right slant pockets plus breast pocket
- Dry clean only
- *Lycra is a registered trade mark of Invista Technologies Sarl
Debenhams is happy to exchange or refund your purchase within 28 days providing the goods are in a fully resaleable condition (including tags) and not within the exclusion policy*. This policy does not affect your statutory rights. You can return unwanted items either by visiting your local store (the fastest way to get a refund), by arranging a courier collection or returning by post. Exclusions apply to selected products. For instructions on how to return products and information on Debenhams refund policy visit the returns and refunds section of the website.