text:
Tourism's Impact on Future Transportation Needs
Prepared by: Debra Roubik VisionEcon rd 18866 N. 73 Drive Glendale, AZ 85308 FEBRUARY 2002 Prepared for: Arizona Department of Transportation 206 South 17th Avenue Phoenix, Arizona 85007 in cooperation with U.S. Department of Transportation Federal Highway Administration
The contents of the report reflect the views of the authors who are responsible for the facts and the accuracy of the data presented herein. The contents do not necessarily reflect the official views or policies of the Arizona Department of Transportation or the Federal Highway Administration. This report does not constitute a standard, specification, or regulation. Trade or manufacturers' names which may appear herein are cited only because they are considered essential to the objectives of the report. The U.S. Government and The State of Arizona do not endorse products or manufacturers.
Technical Report Documentation Page
1. Report No. 2. Government Accession No. 3. Recipient's Catalog No.
4. Title and Subtitle 5. Report Date
Tourism's Impact on Future Transportation Needs
February 2002
6. Performing Organization Code
7. Authors
8. Performing Organization Report No.
Debra Roubik
9. Performing Organization Name and Address 10. Work Unit No. 11. Contract or Grant No.
VisionEcon Consulting rd 18866 N. 73 Drive Glendale, AZ 85308
12. Sponsoring Agency Name and Address
13.Type of Report & Period Covered
ARIZONA DEPARTMENT OF TRANSPORTATION 206 S. 17TH AVENUE PHOENIX, ARIZONA 85007 Project Manager: John Semmens
15. Supplementary Notes 16. Abstract
14. Sponsoring Agency Code
This report focuses on the changes evolving in the tourist industry and their impact on future transportation needs. First, the report concentrates on the changing of the demographic guard-- from Baby Boomers to Generation Xers, and finally, to the ensuing Net Generation. By concentrating on the noted generational differences that have been researched by many authors, the report connects these differences to the effects implied for Arizona's tourist activities. Finally, the report attempts to tie these developments into traffic count numbers recorded at major highways surrounding Arizona's tourist attractions. According to this analysis, the maturity of an attraction plays a monumental role in the amount of traffic expected around it. Overall, the report concludes that the attraction factor of a tourist site will ultimately be affected by technological indicators such as the effectiveness of virtual Internet tours, the ease of online booking and the success of the niche marketing campaign employed by the site within the context of a outdoor or theme adventure experience.
17. Key Words 18. Distribution Statement 23. Registrant's Seal
Tourism, Generation X, Net Generation, Adventure Travel
Document is available to the U.S. public through the National Technical Information Service, Springfield, Virginia 22161
21. No. of Pages 22. Price
19. Security Classification
20. Security Classification
EXECUTIVE SUMMARY ...................................................................................... 1 INTRODUCTION .................................................................................................. 2 A STUDY OF THE GENERATIONS ..................................................................... 4 Baby Boomers' Characteristics .......................................................................... 4 Generation Xers' Characteristics ....................................................................... 4 TYPES OF VACATIONS ...................................................................................... 7 What Arizona Has Offered in the Past ............................................................... 9 Arizona as a Destination .................................................................................... 9 THE LINKS BETWEEN THE ARIZONA TOURIST AND TRANSPORTATION .. 10 Travel Activities................................................................................................10 Niche Marketing ............................................................................................... 15 Attraction Factors and Traffic ........................................................................... 16 Online Tourism.................................................................................................20 Arizona's Role in the Globalization of Tourism ................................................ 21 CONCLUSION .................................................................................................... 22 END NOTES ....................................................................................................... 23
1. 2. 3. 4. 5. Generational Characteristics and the Implications for Tourism Type of Travel Activity Out-of-state Travelers in Arizona Fastest-growing Tourist Attractions for 2000 Traffic and Arizona's Noted Tourist Attractions 5 7 11 14 16
1. 2. 3. National Park Attendance and Employment Growth Arizona National Park Attendance Differential Growth in Traffic Counts and Statewide Population 12 13 18
The technological revolution experienced during the last decade has wrought many changes in many different industries. The first phase of this set of reports for the Arizona Department of Transportation presented an overview of all of these changes. The second phase looked at how these changes will affect planning and economic development. This third phase of the report focuses on tourism and the changes that can be expected due to the many facets of these transformations surfacing simultaneously. First, the report focuses on the changing of the demographic guard-from Baby Boomers to Generation Xers, and finally, to the ensuing Net Generation. The first part of the report concentrates on the noted generational differences that have been researched by many authors. The second part connects these differences to the effects implied for Arizona's tourist activities. Here the report is substantially hampered by a lack of information and the small entourage of tourist officials that are embracing these issues. But, VisionEcon uses logical supposition and deductions from the developments that have been researched by other experts. Finally, the report attempts to tie these developments into traffic count numbers recorded at major highways surrounding Arizona's tourist attractions. According to this analysis, the maturity of an attraction plays a monumental role in the amount of traffic expected around it. With youthful, fast-growing attractions, while the number of visitors is growing exponentially, the number of vehicles per visitor will tend to drop as more vehicles are actually entering the site as opposed to traveling to other destinations in the area. In contrast, with more mature attractions, the number of vehicles per visitor should increase as more vehicles are being diverted to ancillary activities near the site. Overall, VisionEcon concludes that the attraction factor of a tourist site will ultimately be affected by technological indicators such as the effectiveness of virtual tours, the number of links a tourism site has to other travel research websites, the ease of online booking and the success of niche marketing the site within the context of an outdoor or theme-adventure experience. Once again, Arizona is encountering changes that need to be made within the state due to this newly emerging technological economy. Ironically, even the industry that has represented our base industry of the past--tourism-will not be able to escape these beckoning changes.
In the past, visitors to Arizona were attracted to the climate, the area's natural beauty and the wide array of activities the state offers. Yet, the question emerges as to whether these attractions will be enough to draw the worldwide attention of the generations to come in what is regarded as a "New Economy". As mentioned in the first two reports of this series, "New Economy" was a term used to describe the technological revolution the world has been undergoing since the start of the last decade. Two aspects of this technological revolution will impact Arizona tourism in a major way. First, due to globalization and the increase in living standards that has resulted from this "New Economy", the possible array of tourist destinations has increased dramatically for the average tourist. Second, the Internet and the information technology revolution have transformed the methods of exposing tourists to new destinations, allowing tourists to research these possibilities in new ways. In addition, the methods of purchasing tourism services have changed. The conglomeration of all of these factors suggests that the only gauges that will be able to project the demand for future tourism services in Arizona will not be quantitative factors. Thus, however unsettling this situation may be for transportation planners--VisionEcon contends that the future transportation needs of Arizona tourists will not lend themselves to quantitative analysis. The gauges have become more qualitative measures: the effectiveness of virtual tours on the Internet, the number of links a tourism site has to other travel research websites, the ease of online booking, the success of niche marketing the site within the context of an outdoor or theme-adventure experience or simply just the luck of close proximity to another tourism site that has been successful in these areas. Another transformation is occurring that does not receive as much exposure as the other changes mentioned above. And, this force is an important one to be reckoned with. This force embraces the proposition that the immensity of the Baby Boom generation has shaped the tourism market of the past. Yet, past strategies may no longer succeed in this technologically advancing future. Not only is technology changing the market, but the generations that follow the huge force of the Baby Boom Generation are drastically different from the Baby Boom Generation itself. With all of these technological and social waves cresting, the question emerges: is Arizona prepared for the changing demands that this flux in tourism could create on our transportation industry? To get to the answer of whether the state is ready for such changes, we need to understand the wants and needs of those who will support Arizona's tourism market in the future. Only then will we be able to access the future scope of the state's travel and tourism industry and its demands on the transportation system.
This report will do just that by first looking at this break in the generations and then looking at how technology will change the travel market.
Since the health of Arizona's travel and tourism industry in the future will depend upon the accuracy of today's planning, this report examines the characteristics and activities of the groups that will determine the demand for the services of Arizona's tourism industry in the future. Throughout this report, these groups will be referred to as the "Baby Boomers", born between 1946 and 1964; "Generation Xers", born between 1965 and 1976; and the "Net Generation" as all those individuals born after 1977. Together, the Baby Boomers and Generation Xers comprise 80% of the population. They also are the two generations still in the process of climbing in income attainment, making them the most important and influential groups on which to focus our time and resources. Since each generation has its distinctly different preferences and interests, it is important to understand and plan for both. Baby Boomers' Characteristics Baby Boomers are a group of 77 million people born approximately between 1946 and 1964. According to Steve Dwyer in his article "The Right Prescription for Maturing Boomers", "They are the biggest spenders of all the generations, having more disposable income. They prefer products and services that make life less complicated so they can continue with their busy lives.1" Most Baby Boomers chose to establish their careers before a family, and this may explain why they tend to be loyal to their employers and strive to remain with one company for many years. One of the most significant influences on the young Baby Boom generation was the invention of television in the 1950's. According to the book, Boomers, Xers and Other Strangers, "television watching became an important part of our American culture and shaped our beliefs, attitudes and actions. Advertisers could create instant fads through national advertisement campaigns.2" Baby Boomers have a spirit of adventure and desire to have fun in work and play. Baby Boomers are also health oriented-- buying vitamins, eating healthier, and exercising. Many of them enjoy quiet, outside activities, such as gardening and golfing. Due to the increasing longevity of Baby Boom Americans, Gail Sheehy, author of New Passages: Mapping Your Life Across Time, claims that midlife now starts around 50, with a much more active lifestyle on into the 60's and 70's3. Generation Xers' Characteristics Nonetheless, the terms "active lifestyle" are truly relative. Generation Xers also enjoy unique types of sports and recreation as seen in the advent of "Extreme Sports". According to the book, Boomers, Xers and Other Strangers,
extreme sports appeal to Generation Xers' "love of diversity and fast-paced action and their desire to do things differently from previous generations.4" These activities include aggressive in-line skating, skateboarding, bicycle stunt riding, BMX racing, snowboarding, parasailing and sky surfing. In the professional world, Generation Xers are highly PC literate and remarkably comfortable in today's rush of technology. They have a strong work ethic and take an entrepreneurial approach to their careers. They feel that career is important, but not all consuming and they want to find a balance between personal life and career. Thus, while Baby Boomers are more prone to spend their salaries, Generation Xers are more reluctant--seeing the ramifications that spending makes on the work versus play pendulum. Thus, Generations Xers are more apt to save and invest. Educational advancement is also important to Generation Xers. The rate at which Generation Xers are "flocking" to college is rapidly increasing. Growing up in an ethnically diverse society, they more easily acknowledge the rights of all minority groups. They tend to be more tolerant and accepting of individuals of various backgrounds and lifestyles. They are the "Friends" generation in which they feel strong loyalty within their relationships5. They are peer-oriented and rely on each other. Many Generation Xers are marrying later, possibly a result of being the kids of dual-income parents, in which divorce is not just an exception anymore, but "normal". Baby Boomers matured in a period when information was highly valued but a difficult commodity to obtain, while Generation Xers have grown up during the information explosion. During the 1980's, prices for computers dropped making them more affordable for the average household. In 1982, there were 1.5 million computers in homes, five times the number in 1980. Between 1984 and 1988, 39.4 million computers were purchased across the country6. The introduction and rapid growth of the Internet during the 1990's has virtually created a different world for both the Baby Boomers and Generation Xers. It has changed the way that individuals communicate with each other, perform research, and entertain themselves (i.e. chat rooms and computer games)7. The Internet was embraced as the new medium that would change the way we live8. Tremendous growth has occurred and new and improved applications are continuously being developed for use in the workplace, in education and homes. The following table gives a brief description of these two generations and how their differences will affect the activities they desire in the future.
Table 1 Generational Characteristics and the Implications for Tourism
Generational Characteristics Baby Boomers 1. Career-oriented, high
disposable income 2. Desire simplicity 3. Active
Implications for Tourist Activity
1. Expense as a secondary consideration 2. Quiet, tranquility sought 3. Prefer itemized itinerary with outdoor activities 4. Marketed through TV
4. Influenced by television
Generation Xers
1. Seek balance between work and play 2. Diverse and independent 3. Peer-oriented 4. Influenced by Internet
1. Shorter, more frequent, less expensive trips 2. Customization of trips desirable 3. Traveling party size increasing 4. Marketed through Internet
Baby Boomers now enjoy Adventure Vacations as an option to the typical vacation. According to USA Today Magazine, over the last few years, the tremendous upswing in adventure travel has caught the public, and the travel industry, by surprise. They want to hike, go white-water rafting, fish, view wildlife, scuba dive, bicycle, sail, mountain climb and ride horses9. Also, they are attending adventure-type camps, spas and other "theme-based" or cultural trips around the globe. In addition, globalization has opened up the doors for most people to experience the wonder and beauty of many other cultures and locations. Because of globalization, people are becoming more familiar with other regions, continents, cultures and activities. The isolation of countries is no longer an issue as friends are made on the Internet within other parts of the world and experiences are shared with those of other cultures. The global economy has enjoyed excellent growth. Baby Boomers have possessed good-paying jobs, bought houses and cars, and were presented appliances that allowed them extra time and mobility. At first, these developments culminated into an increased ability to discover National Parks and National Forests in a citizen's own country. Now, the competition for the tourism aspirations of the Baby Boomer and the generations that follow comes from attractions across the globe. At the same time, Generation Xers are entering the tourist market desiring different aspects of a tourist experience. Yet, both Baby Boomers and Generation Xers are continually looking to find a balance between the intensity of work and the release of recreation. Many trends in society today indicate that the public's love affair with the great outdoors will continue to grow well into the next century. As we spend more time in offices, the need to be more physically active can be expected to increase, leading us to more outdoor recreation. As a result, people will continue to be involved in wildlife and wilderness issues. To test these generalizations, VisionEcon scanned information available from the Travel Industry Association in Washington, D. C. The following table is a small sample of the data available from the Association. However, any more in-depth information is only available for a fee that could not be covered by the budget for this project.
Table 2 Type of Travel Activity (Data from Years 1999-2000) Number of U.S. Adults Partaking in Activity Total Adult Population Adventure Travel Trip in last 5 years Biking in last 5 years Camping in last 5 years Educational travel in past 3 years Gambling Garden Tours in last 5 years Golf Tennis National Parks in last year Romantic vacations Organized sport event in past 5 years Choosing destination via travel media Via Newspaper Via Travel Agent Via Internet Via Television Weekend Trips versus vacations At least one weekend trip per year All of vacation time spent traveling (Employed Adults Only) 103,000,000 NA 37% 28% 281,421,906 98,000,000 27,000,000 NA 30,200,000 NA 40,000,000 17,300,000 6,000.000 30,000,000 61,800,000 75,300,000 101,900,000 NA 64,200,000 59,000,000 5,100,000 Percent of U.S. Adults 100% 35% 10% 3 3 %* 11% 7%** 14% 6% 2% 11% 22% 27% 36% 28%* 23% 21% 2%
Source: Travel Industry Association website www.tia.org, "Travel Market Segments", Bureau of the Census. *Exact number of travelers not explicitly quoted by TIA. Percentage of U.S. Adults quoted. **Year of survey does not appear to be the year 2000, exact survey year unclear.
What Arizona Has Offered in the Past Based on information provided by DK Shifflet and Associates, the primary activity pursued by most visitors to Arizona in 1999 was dining10. For both residents and nonresidents, nearly 30 percent of people in Arizona enjoyed the restaurant scene. Shopping and entertainment followed closely, with almost onequarter interested in these activities. Outdoor activities were the next activities of choice which included visits to parks (national and state) and historical sites. The outdoor activities included camping, golfing, boating/sailing, hunting/fishing, hiking, and biking. The size of the groups traveling in 1999 ranged from individuals to families (4 or more). Other categories included couples, two males/two females and three or more adults. Leisure travel in Arizona mainly consisted of individuals (22%) and families (27%). The age of travelers were broken out by age groups consisting of 1834 years of age, 35-54, and 55 or older. Between the ages of 18 to 34, residents of Arizona visited our tourist areas more often than nonresidents. This implies that Arizona may not be succeeding at attracting the Generation X age group. For the ages 35-54 it was an even split between residents and nonresidents. However for those 55 and older, nonresidents traveled at a higher percentage (29.7). In terms of leisure travel, residents between the ages of 35 to 54 were involved in slightly more travel at 40.2 percent compared to 38.8 percent for those 18-34 years of age. Arizona as a Destination Historically, Arizona has banked on the Grand Canyon as remaining one of the most frequently visited national parks in the country. Yet in the year 2000, the number of individuals that visited the Grand Canyon fell by over 2 percent from the previous year. In fact, almost all the national parks in Arizona lost visitors in the year 2000. As the following section will discuss, the only national parks that resisted that negative trend were those that benefited from "theme-based" or cultural activities.
As mentioned above, many transformations are occurring in the tourism market. As a result, the activities of choice are changing. As mentioned, outdoor/theme tourism adventures are becoming more popular within Baby Boom circles. Also, because the levels of sensory stimulation for future generations have been much higher than previous generations, many future tourists will be expected to veer away from traditional tourist activities and toward more risk-taking and high-adrenaline tourist activities. VisionEcon contends that these developments suggest that many older tourism-marketing techniques may not faire well in the future. The marketing of theme-based adventure travel will become much more important with the ensuing generations. This section will review the statistical data available on both fronts: 1) changes in the types of activities and 2) changes in research and booking of travel. Travel Activities With all these transformations in mind, we need to find ways to measure Arizona's appeal within the outdoor/theme- or high-adrenalin adventure travel markets. Unfortunately, Arizona does not possess a central data source for this or many other types of decision making activities. The Arizona Hospitality Research and Resource Center at Northern Arizona University is currently working to aggregate tourism data available from the federal government and other private sources. Yet, the process of assembling a database is in its infancy. For this reason, it is very difficult to gauge any true shift in the industry's long-term fundamentals. To better understand the travel market, a travel research analyst would need to answer five questions: 1) Who is coming to Arizona? To answer this question, Arizona needs to build a multi-dimensional informational database of its visitors. For instance, the state should be able to view not just the ages of our visitors, but party size by age, primary attractions by age, and travel planning vehicles employed by age groups. The state should be able to answer not just the income of our visitors, but party size by income, primary attractions by income, and travel planning vehicles employed by income groups. All of these dimensions will become more important in the future. 2) Why are visitors attracted to Arizona? What was the primary reason for their visit? Were they sent here for business training or a business convention and, "after-the-fact", decided to take a desert tour? Or, did they come primarily for a desert tour? Did they come to visit relatives, and then drive to the Grand Canyon? Or, did they come to raft the Colorado River? Arizona needs to know what brought them to
Arizona in the first place--not just "after-the-fact" activities they chose to do while they were already here. (VisionEcon would contend that shopping and dining are usually after-the-fact activities.) 3) Who is not coming to Arizona? Has the state unknowingly been pushing travel activities that are declining in market share? Is the state missing new personalities of traveler? And, 4) What market transformations are being overlooked in the Arizona travel market? Are the state's marketing vehicles are too detached from new vehicles of travel planning? Or, has the state not capitalized on the assets it already has to meeting new yearnings for adventure or sporting events? This information helps to monitor changes in the travel market and reveal to the state whether it is transforming along with that marketplace. 5) Lastly, we need to compare this data to the worldwide traveler. Are there varying transformations occurring in other countries? A great example of this would be the rising wave of Japanese and German interests in the Old West. Since rigorous research by the authors was frustrated by that lack of such a statewide database, the authors were forced to amass sometimes vague, fragmented data from varied sources. Due to this gap in information, any of the following conclusions need to be regarded as tenuous. The most reliable source of travel statistics still remains the National Park Service. The agency releases visitation numbers for national parks on a timely, consistent manner. While not every traveler visits a national park or monument, some simple deductions can still be made. According to a survey conducted for the Florida Research Office in 1998, almost half of all travelers participated in some nature-based activity (including national park visitation) during their trips11. Thus, the national park numbers could be expected to capture about half of all travelers. Airport statistics are also available on a timely, consistent basis. These numbers will capture many groups that would not be considered a part of the tourist target market. First, it includes residents leaving the state for business or pleasure, out-of-state business travelers with no intentions to participate touristtype activities, travelers solely visiting family and/or friends and possibly some snowbirds (elderly visitors who reside in Arizona during the winter). A compilation of these two statistical sources in unison with some anecdotal information from older studies presented by the American Travel Survey of the Bureau of Transportation Statistics in 1995, the following table can be composed.
Table 3 Out-of-state Travelers in Arizona
T otal Airport Percentage T otal Travelers Percentage Passenger Volume 1 Change From Out-of-state 2 Change
38,382,302 40,893,740 6.5% 37,684,442 40,150,217 6.5%
1999 2000
1 2
T otal Visitors Ma xim um Percentage of to National Parks Percentage Out-of-state Travelers 3 in Arizona Change Visiting National Parks in AZ
17,736,998 17,119,292 -3.5% 47.1% 42.6%
Data summarized from Enplanement/Deplanement totals for the airports of Sky Harbor, Tucson, Yuma and Grand Canyon NP. Calculated using estimates from The 1995 American Travel Survey suggesting that 54% of all air travelers in and out of AZ originate from outside the state, and 42% of all travelers to AZ drive to the state. Includes national monuments and recreational areas.
Sources: Arizona Hospitality and Reseach Center, National Park Service and Bureau of Transportation Statistics
This information suggests that the percentage of out-of-state visitors attending national park sites in Arizona may have dropped to less than 43% in 2000. Arizona was not alone in this strange anomaly. On a nationwide basis, airline travel was also up 6.2 percent but the attendance at all national park sites fell by 0.4 percent. Part of this incongruency is explained by the economy. When examining an industry's market, one needs to separate the cyclical moves in the industry from the fundamental long-term trends. One way to do this is to examine the growth in the industry on a national level and then compare local market growth to that. As the following chart illustrates, a nationwide slowdown in national park site attendance has occurred over the last two years. Much of the slowdown in park attendance is explained by a drop in employment growth across the country. Consequently, Arizona would be expected to experience the negative impact of slower job growth over the last two years.
Figure 1
National Park Attendance and Employment Growth
Attendance Growth 5.0% Employment G h 2.7%
Employment Growth-Dark line, Right Scale
Attendance Growth-Light line, Left scale
-2.0% 1995 1996 1997 1998 1999 2000
Nonetheless, national park site attendance in Arizona has dropped by substantially more than the national number. A closer look at the numbers may explain why.
Figure 2
Percent 12.0%
The Difference Between Annual Growth in Arizona And That of the Rest of the Nation
Arizona National Park Attendance Differential
0.0% 1992 1993 1994 1995 1996 1997 1998 1999 2000
-12.0% Source: Recreational visits to national parks, monuments and historical sites from the National Park Service.
Niche Marketing According to data amassed from the Business Journal's Book of Lists, the National Park Service Data and the individual attraction sources, VisionEcon asserts that the attractions that have remained appealing since 1996 have tended to embrace one of four themes. 1) 2) 3) 4) The "Old West" or Indian Culture/Lands Desert Lands High-activity Recreational Areas Participatory or Sports-related Activities Table 4
Fastest-growing Tourist Attractions for 2000
Percentage Gain 1 2 3 4 5 6 7 8 9 10 T ombstone Organ Pipe Cactus National Monument Pima Air & Space Museum W ildlife World Zoo Rawhide Western Town Navajo National Monument Hubbel Trading Post National Historic Site Desert Botanical Gardens Slide Rock State Park Old Tucson Studios 128.0% 58.8% 48.3% 35.5% 33.3% 29.6% 20.7% 11.8% 10.9% 5.8%
Source: Main source as Business Journal Book of Lists, unavailable/outlier data from National Park Service, Arizona Hospitality Research Center.
Thus, according to what sketchy data is available, the attraction factors of tourism are changing. The data that are available for tourism suggest that trips are following more of an outdoor/theme adventure experience. In addition, the most popular of these attractions have themes that center on attributes that Arizona holds principle claims to--the Old West and Indian territories. VisionEcon would surmise that we can no longer simply bank on the attraction of our natural wonders. This finding also gels with the findings that the generations to follow are more fiercely independent and diverse. Thus, in the future, only by capitalizing on the uniqueness of a destination and applying highly flexible marketing approaches will a tourist destination gain mercy from the exponential swings in trends that future generational changes and the Internet will produce.
Attraction Factors and Traffic Traffic count data for the major highways leading into the studied tourist attractions did not uphold the suggestion that Arizona roads saw fewer vehicles at national park sites in the year 2000. According to the Arizona Department of Transportation State Highway System Log, all the mass-appeal attractions such as the Grand Canyon, Saguaro National Park and Glen Canyon saw double-digit increases in the number of vehicles traveling the nearby major highways on a given day.
Table 5: Traffic and Arizona's Noted Tourist Attractions
Traffic and Arizona's Noted Tourist Attractions
1998 Fast-growth attractions 1 Organ Pipe Cactus National Monument Attendance %ch Traffic Counts on Closest Major Highway %ch Daily number of vehicles per visitor 2 Tombstone Attendance %ch Traffic Counts on Closest Major Highway %ch Daily number of vehicles per visitor Mass-appeal attractions 1 Grand Canyon National Park Attendance %ch Traffic Counts on Closest Major Highway %ch Daily number of vehicles per visitor 2 Saguaro National Park Attendance %ch Traffic Counts on Closest Major Highway %ch Daily number of vehicles per visitor 3 Bank One Ballpark Attendance %ch Traffic Counts on Closest Major Highway %ch Daily number of vehicles per visitor 4 Glen Canyon Attendance %ch Traffic Counts %ch Number of vehicles per visitor 5 Lake Mead Attendance %ch Traffic Counts %ch Daily number of vehicles per visitor 1999 2000
257,737 6.7% 1,810 2.56 216,381 -56.7% 1,581 2.67
162,684 -36.9% 1,950 7.7% 4.38 212,682 -1.7% 1,591 0.6% 2.73
258,306 58.8% 2,033 4.3% 2.87 485,000 128.0% 1,693 6.4% 1.27
Source: National Park Service, Arizona Hospitality Research Center, Business Journal Book of Lists, Arizona Department of Transportation.
While some question the precision of traffic count data, VisionEcon believes that many other explanations can help to resolve the discrepancies between attendance and traffic volume. First, some park attendance numbers include those entering the attraction due to employment as well as those entering for a tourism experience--other park numbers do not. While the difference between the two is important to monitor marketing strategies--it is not important for this report which concerns itself with the overall burden on the transportation system. Second, the highways chosen from the ADOT traffic count system tend to feed into more than one destination. Hence, the presented traffic counts should be expected to overestimate the underlying traffic induced by the attraction alone. In addition, the maturity of the tourist attraction plays a role in the traffic volume. As a tourist attraction site matures, other offshoot activities of that site will develop. For instance, the Grand Canyon is no longer just a natural wonder to admire. It has become a river to raft, a valley to hike down, a park to camp in, caves to explore, a creation to fly over, an IMAX movie to experience, a center to shop, and the list goes on. Hence, when one visitor enters the park--five or six more may be enjoying ancillary activities around the park site on that date. Interestingly, many of the traffic count points do not necessarily reflect areas of robust population growth. For instance, Glen Canyon traffic counts clocked double-digit increases in 1999 and 2000. Yet, the population growth of the nearest town, Page, only gained at a 3.2 percent rate over the census periods from 1990 to 2000. While this rate of growth is decent, the town ranked 71st in comparison to the other 87 Arizona towns and places recorded by the Department of Economic Research, Population Statistics Unit. The Grand Canyon traffic counts over those two years also averaged a hefty double-digit gain, yet Flagstaff, Williams and Winslow ranked 55th, 61st and 72nd in terms of population growth over the census periods. On the other side of the coin, Saguaro National Park has shown consistent increases in growth and is near one of the most robust centers of population growth. Marana and Oro Valley near Tucson ranked first and second within these periods. Thus, there is no consistent correlation between an area's population growth and the traffic counts surrounding its major attraction. As the following graph illustrates, statewide population growth also has a very small influence on an attraction's traffic patterns.
Figure 3
Grow th in Traffic Counts and Statewide Population
Highway Traffic Counts for Closest Major Arizona Tourist Attractions
State Population State Population
0.0% 1999 2000
State Population Saguaro National
Organ Pipe National Bank One Ballpark
Tombstone Glen Canyon
Grand Canyon Lake Mead
Source: Business Journal Book of Lists, Arizona Department of Economic Security, Population Statistics.
Hence, with fast-growing attractions not only are the percentage gains higher than with older attractions, but also the number of cars will not gain as fast as the overall attendance numbers suggest. In contrast, older attractions will experience the opposite- the numbers of cars growing faster than attendance since there are other ancillary activities to partake in. For instance, the table suggests that about one out of every third car carried one visitor to Tombstone in 1998. Since then, Tombstone has benefited from two different phenomena. First, an explosion of interest from other countries fascinated with the "Old West" and Indian cultures has brought many international visitors and, second, attendance was enhanced by the close proximity of the newly opened Kartchner Caverns State Park. This park is located approximately 28 miles from Tombstone. It includes trail access to the Whetstone Mountains in the Coronado National Forest. In addition, interactive exhibits are part of its 23,000 square foot Discovery Center. The Center provides information on many features of the cave including its discovery and formation. Interestingly, while the Coronado visitation numbers were excluded from the rankings due to new accounting methods, the new methods still suggested that attendance due to the proximity of Kartchner Caverns increased astronomically.
Now, almost every car traveling near Tombstone carries a bona fide visitor. The Grand Canyon, Saguaro National Park as well as Bank One Ballpark on the other hand, have seen the number of vehicles per visitor increase. You do not have to enter B.O.B. to see the Diamondbacks play. You can eat at Friday's Front Row Restaurant or watch on a big screen at Hi-Tops. Hence, VisionEcon asserts that while many factors are in play, the traffic counts have more to do with the maturity of the attraction than the attendance numbers themselves. Online Tourism Given the tragic occurrence on September 11, 2001, one would expect online spending to decline at least for a brief period. However, according to the eCommercePulse study done by Nielsen/NetRatings and Harris Interactive, the U.S. continued to spend online. E-Commerce spending increased 54 percent to $4.7 billion in September over one year earlier. The study revealed that online spending hit a record high in September 2001, with 38.6 million people purchasing online. The study also found that the travel sector held on to its top spot as the largest spending category in September at $1.1 billion. The travel category grew by 44 percent over September 200012. With the Internet growing in stature, especially with the Generation Xers and Net Generation, VisionEcon maintains that it will be necessary to provide visual aids that will give virtual tours of vacation sights. However, the virtual tours will have to provide enticing stimulation to the minds and curiosities of the younger generations in order to compete with the flash and thrill of other attractions. Thus marketing genius will become even more important in encouraging visits to landmarks and historical sites such as the Grand Canyon. Generation Xers-- and the Net Generation that follows-- already have had a big impact on marketing approaches because of their increased role in family decision-making and purchasing power. According to Melva Goffney, Director of Research and Planning at Nickelodeon Online, 75 percent of online purchasers between the ages of 8 to 12 influence the groceries a family buys. In addition, over two-thirds said they have a major influence on family vacation destinations13. As they become young adults, they will be used to getting what they want and will drive commerce for decades. Going online to research potential vacation spots, consumers will find millions of locations anywhere in the world, obtain detailed maps and accurate driving directions, locate places of interest, and customize road trip plans. They can also access helpful travel information such as the nearby hotels, restaurants, ATMs, gas stations and much more. Furthermore, this information can be accessed from a variety of different devices including Internet-ready cell phones,
wireless modems, personal digital assistants (PDAs) and other handheld devices. Hence, VisionEcon claims that the pressures experienced by other industries during this technological revolution will also come to tourism-competition will be fierce. VisionEcon believes glitz and adventure will be the key. As stated by Lise Hansen, a presenter at the Travel and Tourism Research Association Conference, "An online interaction becomes an experiential Web site when it conforms precisely to the consumer's decision-making process. An experiential Web site must match consumers' expectations � as if they had created the experience themselves. And it should not only be easy to use: It should also engage and surprise its visitors. Therefore, designing an online experience requires a deep understanding of the consumers' expectations.14" Arizona's Role in the Globalization of Tourism Lastly, Arizona will naturally fit into the globalization effects of tourism due to the Canamex Corridor. To enhance the roadways stretching from Mexico to the Canadian province of Alberta, the 1995 National Highway Systems Designation Act produced a "High Priority Corridor" known as the Canamex Trade Corridor. The Canamex Corridor's main objectives are to facilitate transportation distribution, commerce and tourism. The Corridor includes the states of Arizona, Nevada, Utah, Idaho and Montana. It also includes states in Mexico and the Canadian province of Alberta. There are five initiatives associated with the Canamex Corridor. The five initiatives are part of the "Smart Corridor". The five initiatives include 1) Smart Freight Corridor, 2) Smart Tourist Corridor, 3) Telecommunication Access for Rural Areas, 4) Corridor Highway Improvements and 5) Smart Process Partnerships. Each of these initiatives provides an opportunity for the Canamex states to work together more efficiently in meeting its overall objectives through shared Information Technology Systems (ITS). This technology enhances the safety and efficiency of the Corridor for both freight and tourists by providing general information to the public, enforcement agencies and emergency service organizations. For travelers, the ITS could also "allow full cellular coverage by eliminating dead spots" and "state of the art rest stops could provide tourists access to traveler information services". If these developments are successful, they will help to encourage attendance at attractions that fall along I-10, Routes 60 and 93 in Arizona.
Arizona's tourism industry is being forced onto a path of continuous evolution. According to numbers released by the Arizona Office of Tourism, $13.8 billion dollars in total spending and $385 million dollars of state tax revenue is at stake in Arizona15. For transportation planners, VisionEcon contends that the key indicators of whether a tourist site will demand better transportation resources in the future will be qualitative measures. First, the planner will need to gauge whether the marketing of the tourist attraction has woven its way into an outdoor/theme adventure experience and second, how well the marketing of the attraction makes use of virtual tours and the ease of booking these trips on the Internet. By examining these indicators, planners will be able to differentiate the sites that will flourish in the future from those that expire with the size of the Baby Boom Generation. Just as in the case study between Internet providers Prodigy and America Online, marketing will become king for tourism in the "New Economy".
1 Dwyer, Steve. "The Right Prescription for Maturing Boomers". Prepared Foods. February 1997. p. 12. 2 Hicks, Dr. Rick and Kathy. Boomers, Xers and Other Strangers. Illinois: Tyndale House Publishing. 1999. p 244. 3 Sheehy, Gail. New Passages: Mapping Your Life Across Time. 4 Ibid, p. 259. 5 Furash, Edward E. "A Mystery Generation No Longer". The Journal of Lending & Credit Risk Management. February 1998. p 86. 6 Furash. Ibid, p. 181. 7 Furash. Ibid, p. 198. 8 Furash. Ibid, p. 205. 9 "Baby Boomers Bypass Ho-Hum Vacations". USA Today Magazine. September 1997. p. 9. 10 DK Shifflet and Associates. "Arizona 1999 Travel Profile". August 2000. 11 The Ecotourism Society. "USA Ecotourism Statistical Factsheet." 1999. http://www.ecotourism.org. 12 Pastore, Michael. "Retailing: E-Commerce Survives an Enigmatic September". October 16, 2000. http://cyberatlas.internet.com/markets/retailing/article. 13 Pastore, Michael. "Demographics: Young Americans Take Their Spending Online". September 19, 2000. http://cyberatlas.internet.com/big_picture/demographics/article. 14 Hansen, Lise. "The Seven Deadly Sins of Complex E-Commerce Travel Research". Presentation from the Travel and Tourism Reseach Association Annual Conference. http://www.ttra.com/Supplimental%20Proceedings/Research_Papers.htm. 15 Arizona Office of Tourism. "2000 Statistical Report". p. 4.
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Lending outside QM's umbrella
Understanding customers, market, and risk tolerance is critical
- |
- Written by Lisa Valentine
- |
- Comments: DISQUS_COMMENTS
It's been several months since the Consumer Financial Protection Bureau enacted the Ability-to-Repay and Qualified Mortgage Rule (ATR/QM), but many banks remain concerned and somewhat confused about what constitutes a QM loan and about the potential risks are of writing non-QM loans.
"Some answers about ATR/QM won't come for years," said Tyler Gilday, vice- president, and director of retail lending at Lake Sunapee Bank, Newport, N.H., during a panel discussion at the recent 2014 ABA Real Estate Lending Conference. "Unfortunately, we don't have the time to wait until all the facts are known."
"Banks are nervous about QM," agreed John Battaglia, president, Cambridge Mortgage Group in Hingham, Mass., a subsidiary of $1 billion-assets South Shore Bank, Weymouth. "There is no right answer. Banks need to document what they do in both QM and non-QM lending and be ready for the regulators."
Risk of unpleasant surprises
Some banks have been outspoken that they will not lend outside the narrow ATR/QM "box" because they fear litigation. But even those banks choosing to write only QM loans may be at risk. A bank may think it is originating a QM loan when it isn't.
For example, a loan with a debt-to-income (DTI) ratio of 42.5% may squeak by under the 43% DTI requirement for a QM loan—but wind up at 43.2% DTI at closing due to higher-than-anticipated homeowners insurance or flood insurance requirements.
"There's a lot of pressure to know what truly is a QM loan and what isn't," said Leonard Chanin, partner, Morrison & Foerster, and a former CFPB and Federal Reserve official. "You can't go back. Once you originate a non-QM loan, it's always a non-QM loan."
In addition to a DTI of less than 43%, QM loan points and fees are limited to 3% of the entire loan amount (for loans in excess of $100,000). Negative amortization, interest only, balloon, no documentation, and loans with terms longer than 30 years do not qualify as QM.
QM loans do offer several advantages for lenders. First, QM loans can be readily sold. Because a secondary market for non-QM loans does not yet exist, banks must be willing to keep non-QM loans in their portfolio. QM loans also provide safe harbor legal protection against borrowers who default and claim that the bank should have known that the borrower did not have the ability to repay the loan.
These claims can be "a substantial windfall for consumers," Chanin stated.
Know thy customer and loan history
Lake Sunapee Bank, a $1.4 billion federal savings institution, is among the lenders that have decided to continue to originate non-QM loans. This decision, as is frequently the case, is based on customer population and past mortgage lending experience.
Gilday noted that the bank's borrowers include a large number of self-employed business owners, first-time homebuyers, and medical professionals just starting their careers, all of whom may have difficulty meeting the 43% requirement. For example, a recent medical school graduate with a large student loan repayment may have a DTI above 43%, but their residual income allows them to comfortably take on the debt.
The bank wanted to continue to lend to these customer segments. "Lake Sunapee Bank has a history of offering products to meet the needs of our community," Gilday explained.
To make the QM/non-QM decision, Lake Sunapee Bank analyzed five years of mortgage loans and found that those loans that would have fallen outside QM guidelines were in fact high quality loans that performed within the bank's risk tolerance. The few loans that did default were due to factors not measured by underwriting models, such as death, divorce, job loss, or medical costs.
The bank then weighed the potential lost revenue from not making non-QM loans against the potential liabilities and loss from a default and determined that the bank was comfortable continuing to lend outside of QM.
While the bank will continue to originate non-QM loans, it has made several changes to address the potential liabilities of writing loans that are not protected by the Dodd-Frank Act's safe harbor, noted Gilday. First, the bank secured its board's approval to originate non-QM loans subject to production limits. Second, the bank regularly reports to the board on the status of non-QM loans, including early payment default. Third, all non-QM loans require dual approval.
Lake Sunapee Bank also has safeguards in place to ensure that it is not unintentionally violating fair-lending rules by documenting the reasons for making a non-QM loan, including factors such as the assets of the borrower, income stability, and residual income.
Potential backlash on consumers
Cambridge Mortgage's Battaglia expressed concern that ATR/QM rules will stunt the innovation of new mortgage products that can help consumers such as 40-year loans for first-time homebuyers. He told attendees he worries that lenders may need to hire additional staff to comply with the rules, stressing already thin margins.
Those banks electing to stick with only QM loans face another dilemma, explained Battaglia: What lending decision does the bank make when the child of a long-term (and profitable) commercial customer applies for a mortgage and does not meet QM requirements?
Does the bank risk a fair-lending violation or potential lawsuit and originate the loan as a non-QM mortgage on a one-off basis? Does the bank decline the loan and potentially risk losing a profitable commercial client?
Each bank will provide its own answer to the situation. But no matter what they decide, all banks must diligently document why they made the lending decision they did, said Battaglia.
Tagged under Retail Banking, Compliance, Mortgage, CFPB, Consumer Compliance, Mortgage Compliance, Feature,


text:
When Bob wanted a divorce because he wasn't happy, he sought the counsel of many people. His best friend said that getting divorce was the most positive decision he'd ever made; a misinformed pastor said, "Divorce is made in heaven," and his new Internet friends said, "It's best to do it now since your kids are out of the house." That was all Bob needed. He was convinced that divorce would be the ticket to help him recapture his youth, find another woman and finally live happily ever after.
Anyone who feels trapped in a marriage can find many marriage "counselors," each with their own opinions, to tell them what's best. But when it comes to divorce, it takes more than an opinion to discover the right thing to do — it takes wisdom.
At Focus on the Family, we're committed to providing that wisdom in order to help you navigate through your questions about divorce. With our help, we hope you'll find the wisdom you need to make a Godly decision for your marriage and your family.
It doesn't take a rocket scientist to recognize that divorce is happening at alarming rates in America. While actual numbers are disputed, statistical reports have estimated anywhere from 33 percent to 50 percent of today's marriages end in divorce. Grounds for divorce vary from state to state. In some, it's easier to file for divorce than it is to file for bankruptcy. Obviously, priorities have changed.
Divorce cases are identified as "contested" and "uncontested." "Contested" cases are those in which the couple can't agree on how to work out issues such as division of assets, child support, alimony, etc. Spouses who agree on such matters and don't need their lawyers to help make those decisions have an "uncontested" case.
When couples begin a contested divorce but then are able to agree about the terms of the divorce, they come to a settlement. Settlements are a relatively peaceable end to legal proceedings, though the couple still faces an emotional roller coaster of grief in light of their tremendous loss.
Some divorcing couples seek mediation instead of litigation. The mediator, a qualified but neutral party, facilitates agreement on divorce terms. This approach isn't recommended when issues of control, intense conflict or domestic violence are present.
Marriages that are not completely severed are called limited divorces or separations. The spouses no longer live together but are still married. Marriages that, with significant evidence, are declared to never have existed are annulled.
In spite of the legal system's best efforts to make divorce "easier," it's still a messy process, not just logistically but emotionally. Both spouses are often left with lasting emotional pain and regret. Some conflicts remain unresolved, allowing resentment to fester. Either spouse can experience anger, anxiety, depression and other emotions that affect them physically. The list of divorce's negative effects on people runs long. No matter how inexpensive the proceedings are or how necessary the split seems to be, divorce always comes at an excruciating price.
A person stuck in an unpleasant marriage faces only two options: stay married and miserable, or get divorced and become happy.
Sound logical? Well, reality differs.
Divorce often creates additional problems and pain that had formerly not existed, such as child custody, support payments, and heartbreak.
"While temporary happiness may be found," said Lysa Terkeurst, President of Proverbs 31 ministry and author of Who Holds the Key to Your Heart, "divorce causes death — it harms not only the spouses involved but also their children and friends."
Recently, a report by the Institute for American Values, a private, nonpartisan family think tank, challenged the divorce presupposition.
"In popular discussion and in scholarly literature, the assumption has always been that if a marriage is unhappy, if you get a divorce, it is likely you will be happier than if you stayed married," said David Blankenhorn of the Institute. "This is the first time this has been tested empirically, and [the tests show that] there is no evidence to support this assumption."
Conducted by a team of leading family scholars headed by University of Chicago sociologist Linda Waite, the study analyzed the relationships between marriage, divorce and happiness. The research team used data collected by the National Survey of Family and Households that had interviewed 5,232 married adults in the late 1980s. Total reported unhappy marriages: 645. Five years later, 167 had divorced or separated, and 478 had remained married.
The research shows that unhappily married adults who had divorced were no happier than those who had stayed married. The 13 measures of well being include self-esteem, personal mastery, depression, purpose in life and alcohol drinks per day.
"Divorce leads to many ills including poverty, depression, poor health and a greater likelihood of suicide," said Bridget Maher, a policy analyst on marriage and family at the Family Research Council. "Divorced men have higher rates of mental illness and death due to accidents and suicide than married men. Also, divorced fathers who do not live with their children are more likely to engage in behaviors that compromise their health. A study of children's home environments found that divorced mothers are less able to provide the same level of emotional support to their children than married mothers."
The research also shows that the unhappiest marriages had encountered the most dramatic turnarounds when spouses addressed problems together, individual partners found ways to improve their own lives, or time simply passed. In each situation, commitment served as the underlying foundation for a lasting and often happy marriage.
"As a couples therapist for more than 20 years, these findings are consistent with my own clinical experiences," said Dr. Mark Goulston, an Assistant Clinical Professor at UCLA's Neuropsychiatric Institute. "Marriages end not because couples stop loving each other but because they can't stop hating each other. When couples find a way to excavate and work through the misunderstandings, hurt and disappointment that hardened into anger, they often discover that they still have a strong bond underneath…
"[What this means] is that people should give their marriage their absolute best effort before they call it quits. If they don't, they could end up with deep regrets and more unhappiness down the road."
Nineteenth-century author Leo Tolstoy observed, "What counts in making a happy marriage is not so much how compatible you are, but how you deal with incompatibility."
The organization's report supports Tolstoy's claim: "A strong commitment to marriage as an institution and a powerful reluctance to divorce do not merely keep unhappily married people locked in misery together, they also help couples form a happier bond. To avoid divorce, many assume, marriages must become happier. But it is at least equally true that in order to get happier, unhappy spouses or couples must first avoid divorce."
While circumstances — such as physical abuse — may make divorce a necessary evil, it is still a tragedy, and like any other misfortune, divorce causes pain.
"Divorce is to adultery what price gouging is to armed robbery: essentially the same crime, varying only in degree of brutality," said Dr. David Crabtree, president of Gutenberg College. "Adultery is character assassination; it is the breaking of one's solemn promise; it is the treacherous betrayal of one's closest friend. Divorce involves the same kind of betrayal; it may be legal, but it is still nasty."
The prophet Malachi declares, "The LORD is acting as the witness between you and the wife of your youth, because you have broken faith with her, though she is your partner, the wife of your marriage covenant. . . . 'I hate divorce,' says the LORD God of Israel" (Malachi 2:14,16; New International Version).
While addressing the issue from different angles, Tolstoy, Malachi and the Institute for American Values arrive at conclusions about divorce that square with reality: divorce is not the best solution. It is a tragedy.
If you're among the one-third of Americans who have divorced, you're likely bearing deep emotional wounds.
Even if you're escaping a terrible situation, the effects of divorce can be devastating. Is there any hope for healing? Psychologist Thomas Whiteman, co-author of Starting Over (with Randy Petersen, Piñon Press, 2001) identifies six stages of divorce recovery. We've expanded the stages, adding some suggestions for moving through them. As you complete each stage, you'll be one step closer to recovery:
Martin was far from home, when he walked into the lobby at Calvary Baptist Church one Sunday morning. A friend said he could get a book there called Hope for the Separated (Moody), by Gary Chapman, Ph.D.
Martin and his wife Leah had been separated for six months and he was desperate for help. That same Sunday, 3000 miles away, Leah went to a church in California, where a pastor handed her that same book. Imagine their surprise when they spoke a week later only to discover they had been reading the same book.
"We both recognized that had to be the hand of God. I went back home and we got counseling. Today we are back together," says Martin.
In an age where more than 1 million marriages fail each year, the term separation often becomes equivalent to divorce. Yet, through God's power, Christians are called to change the equation.
"I don't think separation equals divorce," says Chapman. "Separation can lead to an absolutely wonderful marriage if we are willing to deal with the problems that led to the separation."
Chapman suggests treating the trauma of separation with a 9-1-1 approach, "If it were a physical problem, we would put you in intensive care and look after you day and night until you either died or got better. Separation says this marriage is in serious trouble; it needs intensive care."
Attending Toward a Growing Marriage seminars led by Chapman is one way to get help. For years, couples nationwide have attended these two-day workshops for the purpose of marriage restoration and growth. Lisa* believes this seminar provided the remedy her marriage desperately needed.
"I knew in my heart that divorce was not what God wanted … but deep down, I was hoping he (her husband) would leave," confessed Lisa. "What happened after the seminar could fill a book! We confessed the ways we had failed one another and sought forgiveness. Then my husband was convicted of his need to be in God's Word daily. Prior to attending the seminar I was certain I had two options, end my marriage or continue unhappily ever after. Praise be to God that his ways are not our ways."
"There are two objectives for the seminar," explains Dr. Chapman, "help people, wherever they are in their marriage, take steps of growth, and then equip couples to go back into their churches and minister to others."
Couples looking for a quick fix for their marital woes often become frustrated, abandoning the marriage too early, thereby missing the benefits of God's timing.
"I think the most common problem is couples try to get on with their life too quickly," explains Chapman. "They go six months and the spouse shows no response, so they start dating and become involved with someone else. A year later the spouse comes back and says 'I realize I made a terrible mistake,' and they want to reconcile, but now the other partner's already involved with someone else. I like to encourage couples to give some time. I use two years as a guideline. For people who are separated it seems like a terribly long time, but in all of life, it's a short time."
Birds chirped outside the window in the branches of the flowering locust tree. Spring hung in the air but not in my heart. I sat in the second row of the classroom watching my oldest daughter, 5-year-old Ashley, file into the room with the other students dressed for their preschool graduation.
The ceremony began. I scarcely heard a word, however, as I watched my child and wondered how the events of the previous 18 months would affect her. Her dad had left our home when Ashley was 3, her sister, Courtney, was 1 and I was pregnant with her brother, Clint. My mind retraced the events. Afraid to face what lay ahead on my own, I had surrendered my life to Christ. I prayed, "I give You not just this situation, but I give You my whole life."
Then I had read everything I could get my hands on and pulled godly people around me for counsel. In Love Life for Every Married Couple, author Ed Wheat talked about three options every couple face during crises in marriage: get divorced, remain in a bad situation or stay together and make things better. I had chosen to stay, but eventually my husband served me divorce papers.
The teacher in front of me finished her words, then had the children stand to receive their diplomas: "Now students, take your diplomas to your parents."
Ashley stood, head held high. She reached with enthusiasm to accept her certificate, then she walked toward me, smiling. She stopped and turned toward the rear of the room where her dad sat. She headed toward him. She stopped again and turned back toward me. Her eyes met mine, and in that moment I saw every question and hurt and uncertainty she felt over her home breaking apart. What do I do? Whom do I run to? Where do I belong? I smiled and nodded for her to take the diploma to her dad, her quandary fixed for the moment.
Ashley has just turned 18. Long ago she outgrew her yellow bows, and her little curls have turned to long brown tresses. She will soon graduate again, this time from high school. How have I managed to raise her and her siblings by myself for more than 14 years?
God has truly remained faithful to me and my family over these years, and He will continue to guide us to the end of the journey. Yet there's still a degree of sadness in my heart. I've given my children the best of everything I could at home, school and church. But I can never give them solid tools for loving and for resolving conflict that come from two parents committed to keeping their home together. To try to mend the torn places in a child from a divorced home is similar to patching a torn piece of fabric: It can be repaired, but it will never be like new.
Ashley recently ran in her cross-country regionals and won first place. My heart swelled with the same pride I have known since my first hour of becoming a mom. But as I watched her cross the finish line, I felt another all-too-familiar emotion, which caused me to pause. Ashley stumbled toward her dad and leaned on his shoulder as he helped her walk out the strenuous race she had just run. She looked over at me, despite her pain, and I saw that same look of uncertainty I had seen in her face at age 5. What do I do? Whom do I run to? Where do I belong?
If I could accomplish one thing with my life, it would be to stamp out divorce. I have seen the devastation it causes. I know why God says in Malachi 2:16, "I hate divorce." He knows and I know that divorce is not the way it was meant to be — not for the mother or the father or the children.
Dear Dr. Bill: My husband and I are separated for the time being due to a difficulty in our relationship. We are in counseling and don't want to divorce. We feel this time apart is important right now because we're concerned that our constant fighting may have an impact on our 3-year-old son. Sometimes our son will spend the night at my husband's apartment in town — but how do we explain to him what is going on?
A 3-year-old doesn't have the capacity to understand concepts like marital separation. You will need to keep your explanations very concrete and simple. You should be completely honest with him about what is going on. You might say something like, "Honey, Daddy and I love each other but lately we have been having some arguments. We are trying to learn how to get along better with a special helper. While we do that we have decided that Daddy is going to live in a different house for a while."
For a 3-year-old child, the most important thing you can do is make sure that he feels safe and loved. During this time of instability you will need to reassure him that mommy and daddy love him very much and that you will always be there for him. You and your husband should also do all you can to act appropriately toward each other when you are around him. Swallow your pride and put his needs ahead of your desire to criticize or snipe at each other.
I'm encouraged to hear that you have made a commitment to attend counseling together and work on your relationship. By the way, one of the most promising new forms of marital counseling is called "Emotionally Focused Therapy" or "EFT." Many couples who have felt they were at the end of their rope have found hope and healing through EFT. You might ask your counselor if he or she is familiar with that form of therapy.
I would also encourage you to move back in together as soon as possible. Research shows that the longer you stay physically separated the higher your risk for divorce. I pray that you are able to work things out for the sake of your son.
Dear Dr. Bill: My husband and I have been separated for 4 months now. But he recently asked me to join him and our children at his mom and dad's house on Christmas morning. He said he wants me to come because he wants to be there next year when it's my turn to have the kids on Christmas morning. Although I would love to see my girls open their presents, I'm afraid this will send mixed messages to them about the marriage problems they know we are experiencing. What do you think is the right choice for my children?
Kathy, I'm sorry to hear about your situation and that you're dealing with this difficult decision at Christmas time. I'll be honest, in my opinion, the most helpful thing you can do for your girls is to work out your marital problems with your husband and get back together. You didn't mention the nature of the conflict, but unless it involves abuse, addiction or dangerous behavior, separation is not the answer.
The vast majority of divorces today are what psychologists refer to as "low-conflict" divorces. In other words, the couple isn't involved in angry, knock-down, drag-out fights—they simply report that they "fell out of love" or that their partner was no longer "meeting their needs."
Unless there's an issue like addiction or abuse involved, separation typically doesn't help a couple—the vast majority of separations actually lead to divorce. That's because when a couple separates, they've got "one foot out the door" of their relationship. The level of commitment takes a big hit, which makes getting a divorce that much easier.
On the other hand if a couple who is having marital problems sticks it out, they often find that their problems work themselves out over time. Research shows that the majority of couples who make the decision to stay together and work on their conflict report that their marriage is "much happier" three years later. Many of these couples stayed together for the sake of their kids, and in hindsight they say are very thankful they didn't get divorced.
So again, unless your husband has been abusive or is involved in some type of dangerous or addictive behavior, I'd encourage you to spend Christmas with him at your in-laws house. Let your daughters know that you and daddy are trying to work things out, but be honest that you don't know what the future holds.
Kathy, your e-mail didn't say anything about marital counseling. If you and your husband haven't seen a counselor to work on your issues, make an appointment with one this week.
I pray that you and your girls have a wonderful Christmas, and that God will open the door to reconciliation with your husband.


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HOME Minnesota Golden Gophers Gear Minnesota Golden Gophers Ladies Minnesota Golden Gophers Ladies T-Shirts (93 items) Product ID: 738151
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Whether you are out and about, in route to Minnesota for the next big Golden Gophers event, or even fine-tuning your skills at the gym or on the field, you always rep your favorite school. Nike's Dri-FIT performance top is the perfect way to show off your Gophers in style. This lightweight and comfortable top features Nike's patented Dri-FIT technology - it's engineered to pull away sweat so you can stay dry and cool when it heats up. This will become your favorite top for working out or training and you'll love how easily it transitions from the gym to the tailgate to the stands.
- 100% Polyester fabric
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Hybridge Hoody Women's Canada Goose
Hybridge Hoody Women's Canada Goose: The revolutionary Hybridge line with Thermal Mapping Technology leverages our expertise in insulation.
Hybridge Hoody Women's Canada Goose Specs:
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- Internal stretchable pocket perfect for cell phone or MP3 player
HyBridge Hoody Women's Canada Goose: We place premium Canadian Hutterite white duck down shields over gender-specific body areas to create warmth while still ensuring outstanding flexibility and performance.
HyBridge Hoody Women's Canada Goose: It's a design strategy that will set a whole new standard in the outwear industry.Because the down shields are customized to insulate exactly where you need it most, the HyBridge Hoody will instantly become your go-to choice for active living, whether you're skiing, hiking, or taking a brisk walk on a cool day.
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INGLEWOOD, Calif. (October 30, 2012)—Claudene Christian, a former marketing executive at Betfair Hollywood Park, died Monday after the sinking of the HMS Tall Ship Bounty – as a result of Hurricane Sandy – off the coast of North Carolina.
A former Miss Teen Alaska, a graduate of USC and a song girl for the school, Christian, 42, was found unresponsive by the United States Coast Guard and was later pronounced dead at a North Carolina hospital.
"She was always bubbly and energetic, so full of life,'' said George Ortuzar, the current promotions manager – a job once held by Christian – at Betfair Hollywood Park who worked with her and remained in contact. "She loved horse racing and was one of the people who helped start the Railbird Club (which remains a popular Sunday feature for handicappers and workout watchers during the Spring/Summer and Autumn meets).
"She was so happy to be on the ship. She texted me all the time and let me know how excited she was about all the different places they were going.''
Christian began working on the Bounty, which is a replica ship of the "Mutiny on the Bounty'' vessel, in May. According to her Facebook page, she was a descendant of Fletcher Christian, who was portrayed by Errol Flynn, Clark Gable, Marlon Brando and Mel Gibson in various films.
"I live work and travel the sea aboard the HMS Tall Ship Bounty,'' Christian wrote on her Facebook page. "A sailing museum traveling from port to port sharing our ship and our history.''
An accomplished singer, Christian was also the owner and founder of the Cheerleader Doll Company, which manufactured exacta replica of college cheerleader dolls for more than 100 of the country's top universities.
Copyright © 2009-2014, Hollywood Park. All rights reserved.


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We thought this was so cute and loved that they used Stash Tea so we just had to share!
Note: this recipe adapted by Hummingbird on High is for high-altitude baking at 5,000 ft. To bake at sea level, read the notes in the ingredients list and instructions carefully.Hummingbird Bakery Green Tea Cupcakes Recipe
If you love chamomile, you simply must try this cookie recipe from Snixy Kitchen! Chamomile, lemon and honey make an amazing flavor combination for a fresh and light springtime cookie. Be warned though…these cookies are GOOD and won't last long!
We recommend Stash Chamomile Herbal Tea or Stash Organic Chamomile Herbal Tea for this recipe.Lemon Honey Chamomile Cookies
Jessie from Living Mostly Meatless developed this easy Blueberry Rice Pudding recipe featuring our very own Blueberry Superfruit Herbal Tea! We can't wait to make this recipe!
Head over to Living Mostly Meatless before Wednesday, May 9, for a little Stash Tea giveaway.Tea Infused Blueberry Rice Pudding
Cook the rice with 3 cups of water and 3 teabags as you would normally. Once rice is done, add milk, leaving the teabags in this mixture. Open your remaining tea bag and add the contents to this mixture. Cook for five minutes on medium heat, it will slightly thicken up. Add the cornstarch to your half and half and mix. Once lumps are gone add half and half to your rice. Remove the tea bags. Add vanilla and blueberries and cook for 10 minutes on medium. Remove from heat, spoon pudding into a storage bowl and chill for at least three hours. Serve cold.
photo credit: Honey & Jam
Tea-infused frosting and candied lemons put the finishing touches on this springtime lemon cake from Honey & Jam. This lovely dessert would be perfect with a cup of tea for your upcoming Mother's Day celebration!
Perfect Party Cake
from "Baking: From My Home To Yours" by Dorie Greenspan
Center a rack in the oven to 350 degrees F. Butter two 9-x-2-inch round cake pans and line the bottom of each pan with a round of buttered parchment or wax paper. Put the pans on a baking sheet.
Sift together the flour, baking powder and salt.
Whisk together the milk and egg whites in a medium bowl. Put the sugar and lemon zest in a mixer bowl or another large bowl and rub them together with your fingers until the sugar is moist and fragrant.
Add the butter and, working with the paddle or whisk attachment, or with a hand mixer, beat at medium speed for a full 3 minutes, until the butter and sugar are very light. Beat in the extract, then add one third of the flour mixture, still beating on medium speed.
Beat in half of the milk-egg mixture, then beat in half of the remaining dry ingredients until incorporated. Add the rest of the milk and eggs, beating until the batter is homogeneous, then add the last of the dry ingredients.
Divide the batter between the two pans and smooth the tops with a rubber spatula.
Bake for 30 to 35 minutes, or until the cakes are well risen and springy to the tough – a thin knife inserted into the centers should come out clean.
Transfer the cakes to cooling racks and cool for about 5 minutes, then run a knife around the sides of the cakes, unmold them and peel off the paper liners. Invert and cool to room temperature right side up.
While still warm, poke each layer all over with a fork, and pour over lemon glaze (recipe follows). When cool, frost cake with black tea frosting & garnish with candied lemon slices.Lemon Glaze
In a small bowl, combine the sugar and lemon juice, stir with a fork.Black Tea Frosting
Beat egg whites in a mixing bowl until foamy & thick, they should mound, but not peak.
In a saucepan, combine the sugar, cream of tartar, black tea & salt. Bring to a boil. Boil for 3-4 minutes, or until a candy thermometer reads 242 degrees F and all sugar is dissolved. Begin beating the egg whites again and slowly pour in boiling sugar syrup in a slow steam. Continue to beat on high for 7 minutes or until stiff peaks form.
Add 1/4 black tea by the tablespoon, beating after each addition.
Continue beating until frosting reaches desired consistency, about 2 minutes. Use immediately.Candied Lemon Slices
Prepare an ice-water bath; set aside. Using a mandoline or sharp knife, cut lemon into 12 paper-thin slices; discard seeds and ends of rind.
Bring a medium saucepan of water to a rolling boil. Remove from heat, and add lemon slices; stir until softened, about 1 minute. Drain, and immediately plunge slices into ice-water bath. Drain.
Bring sugar and 1 cup water to a boil in a medium skillet, swirling to dissolve sugar. When liquid is clear and bubbling, reduce heat to medium-low. Add lemon slices, arranging them in one layer with tongs. Simmer (do not let boil) until rinds are translucent, about 1 hour.
Transfer to a baking sheet lined with parchment. Let stand until ready to serve.
Oh my! Chocolate cake with Earl Grey, now what would be better than that?
This recipe, from Shutterbean, is absolutely amazing!
We recommend using Stash Earl Grey Black Tea or Stash Double Bergamot Earl Grey Black Tea.Earl Grey Chocolate Cake
More Sweet Scones:
Orange Glazed Strawberry Scones from La Petit Brioche
Lavender Walnut Scones from Chelsea Bakes
Chocolate Chip Cherry Scones from Belly Up
Oatmeal Maple Scones from Lisa Is Cooking
Vegan Coconut Milk Scones from Art of Dessert
Cardamom Ginger Scones from 1 Big Bite
Whole Wheat Chocolate Chip Scones from Fabulous Foods
Cinnamon Sugar Scones from Anecdotes and Apples
Banana Chip Scones from My Kitchen Addiction
Whole Wheat Lemon Poppy Seed Scones from Back to Her Roots
Mixed Berry Tangerine Scones from Eclectic Recipes
More Savory Scones:
Cheddar Dill Scones from Annie Eats
Bacon, Gruyere and Green Onion Scones from Spoon Fork Bacon
Jalapeno Cheddar Scones from Epicurean Mom
Cheesy Scones from Mango & Tomato
Savory Gluten-Free Scones with Olives and Rosemary from Gluten-Free Goddess
More Recipes:
Matcha Green Tea Macarons from Yummy Workshop
Matcha au Lait Cheesecake from Evan's Kitchen Ramblings
Matcha Strawberry Shortcake from Foodagraphy by Chelle
Matcha Mochi Cupcakes from Humble Bean
Green Tea Mille-Crêpes from Zen Can Cook
Chocolate Matcha Earl Grey Cake from Use Real Butter
Matcha Pasta: Step-by-Step from Gourmantine's Blog
Matcha and Vanilla Mini Doughnuts from Bread et Butter
Matcha Tiramisu from Almost Bourdain
Check out this tutorial we spotted from Little Chief Honeybee. We just had to share, what a great way to repurpose unused tea cups and saucers. These adorable bird feeders would make the perfect addition to any backyard and they are really simple to make! Get the Tutorial >
Here's a variation from Something Wonderful using a wood post instead of copper tubing.
For more tea related craft ideas check out our DIY Tea board on Pinterest.
Do you flavor your morning oatmeal with tea? Leave us a comment and tell us what flavors you use. We're always looking for new ideas!
If you're a Matcha fan, here's a great recipe from Pig Pig's Corner to try.
Sweet, spicy Gingersnaps definitely top the list of our favorite cookies so we just had to try this drinkable version from A Move Begins.
Gingersnap Tea
1 1/2 cups boiling water
1/4 cup warm milk
1/2 teaspoon molasses
1/4 teaspsoon ground ginger
1/8 teaspoon ground cinnamon
a tiny pinch of ground cloves
black or green tea
whipped cream
1. Toss the spices and molasses into a cup.
2. Steep tea in hot water for 3-5 minutes.
3. Pour warm milk and tea into the cup with the spices.
4. Stir, top with whipped cream, consider more whipped cream, and enjoy!


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