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Students celebrate 10th year of winning 'Outstanding Delegation Award' during Model Arab League Program
April 2, 2010
DEARBORN / April 2, 2010---A 10-member University of Michigan-Dearborn student delegation recently received top honors during the National Council on U.S.-Arab Relations Model Arab League Program at Grand Valley State University.
The UM-Dearborn team won the Outstanding Delegation Award while representing the countries of Syria and Bahrain. This is the 10th consecutive year that the team has received the award. In addition, four of the teams members received the Outstanding Delegate Award. The university has been participating in the program since 1988.
Over the years, UM-Dearborn has been very successful, according to political science Prof. Ronald Stockton, who advises the group. I think we can be very proud of the effort that our students have put into this project, and of their remarkable achievements.
UM-Dearborns student delegation members are Samir Adadow, Rula Aoun, Shahad Atiya, Anton Attah, Gabriella Boyer, Mike Chamie, Elif Cila, Rebecca Karam, Mohammed Nehme and Amine Zreik.
Aoun, who served as head of the Bahrain delegation during the debate, has participated in the event for two years and recommends the experience to other students.
I wish I had participated each of my four years at UM-Dearborn, Aoun said. Its a great way to get experience in diplomacy and politics and a nice way to meet people at your school and other schools. Whats best about the Model Arab League Program is putting aside your feelings about certain issues to role-play other countries for three days.
The Model Arab League Program helps students learn about the politics and history of the Arab world and the arts of diplomacy and public speech. Approximately 20 delegations from across the state meet for two and a half days of negotiations. Five-person delegations represent a country and are obligated to represent the views of their government, not their own views. Students specialize in one of five policy areas: Palestine affairs, political affairs, defense affairs, environmental affairs and social affairs. Students study their countrys politics and positions as well as the positions of the other countries in the region. Each student prepares two resolutions that their country would like to see passed and then they work to get the other delegates to support it.
About University of Michigan-Dearborn
The University of Michigan-Dearborn is celebrating its 50th anniversary throughout the 2009/2010 academic year. Founded in 1959 with a gift of just over 200 acres of land and $6.5 million from the Ford Motor Company, UM-Dearborn has been distinguished by its commitment to providing excellent educational opportunities responsive to the needs of southeastern Michigan. The university has 8,700 students pursuing undergraduate, masters, doctoral and professional degrees in the liberal arts and sciences, engineering, business, education, and public administration. With a faculty devoted to teaching, and students committed to achievement, UM-Dearborn has been shaped by its history of interaction with business, government and industry in southeastern Michigan, and is committed to responding to the needs of the region in the future.
Ken Kettenbeil
Director of Communications
Jennifer Thelen
Public Relations Representative
The Office of University Relations
Room 1040, Administration Building
University of Michigan-Dearborn


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Minding Ag's Business
Marcia Zarley Taylor
DTN Executive Editor
Wednesday 10/22/14
Defend Against Reversals of Fortune
Given the abrupt drop in commodity prices this year, "the solvency of some farm customers could shift quickly," David Lynn, a senior vice president for Farm Credit Mid-America cautioned ag economists attending a conference in Louisville this month.
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Posted at 11:05AM CDT 10/22/14 by Marcia Zarley Taylor |
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Sometimes interesting insights are provided by trying to answer a stupid question. The question was; "What needs to happen for corn yield protection crop insurance (YP) to equal a corn harvest option revenue product (RA) in Northwestern Illinois?)" A lot of assumptions were needed to provide our outcomes. We tried to narrow the variables to spring insurance price and US planted corn acres. We assumed a farm yield to US yield relationship and an ending corn stocks to price relationship. Beginning balance, imports and use were assumed from the current WASDE report. The conclusions were: 1. For the harvest option price of RA to kick in (trigger), the farm yields need to be at the same yield levels for YP to kick in (trigger). 2. RA always has scenarios were it will have a higher indemnity than YP because there is always a chance for harvest insurance prices to be above spring. 3. For our assumptions, it looks farm yields could drop below 85% of an adjusted APH about 20% of the time. RA looks to have an indemnity above YP and its additional premium 75% of those times YP is triggered. A scenario with the lowest possibility of an indemnity occurs with low planted acres and a low spring price. RA's indemnity minus premium will net more than YP at least 15% of the time (20% X 75% = 15%) with above price outlook. RA with harvest price exclusion rarely to never have an indemnity in this low chance of an indemnity scenario. Those expecting a low spring price with low planted corn acres may want to review their insurance coverage if RA with harvest price exclusion is to be used this coming season. 4. If planted corn acres for the 2015-16 marketing year are north of 90 million acres and spring price is around $4.00 per bushel, there appears to be at least a 40% chance of an indemnity in Northwestern Illinois with the assumption used. Those chances drop to about a 20% minimum chance with a $3.50 price with the same scenario. 5. If corn planted acres come in at 85 million acres both a $4.00 and a $3.50 spring price has a 20% chance of an indemnity. It seems at this chance level of an indemnity, the spring price is too low or the assumptions of fall prices are too high. This is the scenario were YP may work if price assumptions are close to being correct. The same could be said for $3.50 on 90 million spring acres. When looking for places to reduce cost this coming growing season, your crop insurance decision appears to hinge on the relationship of the spring insurance price against the expected fall harvest price. The challenge, in part, becomes guessing the number of acres planted to corn this spring. Spring planted acres will be a large factor in fall prices. The USDA releases the spring acreage estimate after our crop insurance decisions are made. So fall expected price is very much a guess at insurance sign up. If spring price feels high for the expected fall price, RA with the harvest price exclusion might save some premium and provide some revenue protection. With this choice, one needs to acknowledge a high fall price may make this choice worthless. If springs price feels low for the expected fall price, YP could have the same trigger yield as RA. With this choice, one needs to acknowledge RA with harvest options will, most of the time, net a higher indemnity. One needs to weigh the higher premium and lower chance of indemnity with this scenario against the higher net payout - when it occurs. At least for Northwestern Illinois and barring an extreme spring price compared to expected fall price, the highest level of RA one has used in the past seems reasonable. Freeport, IL
Posted by Freeport IL at 4:26PM CDT 10/22/14
Thursday 10/16/14
Beware Gaps in SCO
Your actual losses may not mirror the county average, leaving you unprotected in the event of yield disasters.
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Posted at 2:27PM CDT 10/16/14 by Marcia Zarley Taylor | 0 Comments |
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Friday 10/10/14
Possible 2014 Insurance Pay Day
Steep drop in corn prices could make claims possible for corn growers with revenue insurance policies, even with average or slightly above average yields. Not since 2008 has difference between planting and harvest prices tumbled so far so fast.
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Posted at 3:52PM CDT 10/10/14 by Marcia Zarley Taylor | 0 Comments |
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Tuesday 10/07/14
More on Wall Street's Dive Into Land Pools
Farmland Partners CEO Paul Pittman doesn't want to perpetuate the image of a big, bad institutional investor. He knows insurance companies who promised 50-year horizonsthen ditched their farm portfolios during the 1980s credit crisis.
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Posted at 1:09PM CDT 10/07/14 by Marcia Zarley Taylor |
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This will be the start of the end of private farmer land ownership. Farmland should be allowed to follow the market for individuals. The chance for young farmers to get back into the land market with the future pull back in land prices will be hindered if this is ignored and allowed to happen. In the end, this will make our food supply that has been supplied by independent individual farmers be put at risk. Surely this is not what our founding fathers had in mind.
Posted by Unknown at 7:27AM CDT 10/08/14
Unknown, you make a great point. The large, wealthy investment funds will suck up excess land. One solution that could stem the purchase and flow of farmland by corporations would be to create a different property tax category that would make their returns "unattractive". I find it interesting that FPI claims to be in it for the long haul, hoping to get 4% returns on the land they purchase. Does he actually follow what is happening in the commodity market and input side of farming? There is a huge disconnect. I don't know what they are charging for cash rent, but to get those kinds of returns, it is a large number. Cash rental rates should be based on the near term to 3 year expected commodity price. Have you seen the CBOT prices for the next 3 years? Where is the risk/reward payoff for farmers in this scenario?
Posted by Pedro Sanchez at 8:28AM CDT 10/08/14
And after years of watching farmers and ranchers turn from their local grocers and going to Costco, Walmart and other national chains when they go to town, I don't see a problem here.
Posted by CRAIG MOORE at 10:38AM CDT 10/09/14
Good point, Craig. Do not forget the Government financing to promote the same. Along with Government approval of gigantic mergers and financing, direct or indirect of banking institutions, railroads, trucking firms, food processers, packers, do I need continue? Then try to finance local growers. I say, GOOD GRief, already.
Posted by Bonnie Dukowitz at 9:14PM CDT 10/09/14
Monday 09/29/14
Let Watson Pick Your Farm Program
Computer simulators do the heavy lifting on your farm program choices.
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Posted at 4:49PM CDT 09/29/14 by Marcia Zarley Taylor |
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Forgot to mention that the University of Illinois is hosting free webinars every Friday at 8 am- 9 am central time to coach you on farm bill decision aids. For our full schedule of webinars visit www.farmdoc.illinois.edu/webinars. Or pre- register for the hour-long webinar at https://www1.gotomeeting.com/register/752956945
Posted by Marcia Taylor at 3:51PM CDT 09/30/14
$2.70 corn futures -0.95 basis --------------------- =$1.75 cash corn I hope I never have to paddle that raft.
Posted by Unknown at 12:33AM CDT 10/03/14
Friday 09/26/14
Reshuffling Crop Insurance
News this week that John Deere had appointed Citigroup to sell its crop insurance unit opens the door to more jostling among the nation's 19 multi-peril insurance providers. The company's chief financial officer told an investor conference in Brazil that proceeds from the potential sale would be used to repurchase Deere stock, J.P.
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Posted at 12:29PM CDT 09/26/14 by Marcia Zarley Taylor | 0 Comments |
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Tuesday 09/23/14
The Cash Rent Squeeze
Cash rents rarely back pedal, but 2015 could turn out to be the exception to the rule for a large number of growers.
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Posted at 11:09AM CDT 09/23/14 by Marcia Zarley Taylor |
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Comments (3)
What about the guys that bought? nobody is going to change their payments. Like I stated on Katies blog theres going to be alot of auctions next year.
Posted by Raymond Simpkins at 11:29AM CDT 09/23/14
Property tax increase lag? I think the past increases have more than covered those expenses. I believe the pinch is going to be felt by the LANDOWNER, FARMER AND MAINSTREET RURAL AMERICA. Many of these landowners have been living high on the hog!
Posted by Unknown at 1:55PM CDT 09/23/14
Soys in my area typically yield 35 bus/ acre direct costs are at $292.00/acre this year and will be similar next year NOT including land rent . Corn yields about 165bus/acre direct costs are at $413.00 NOT including land rent ( and also not including drying charges) Right now today's local cash prices are $8.32 for soys and $2.28 for corn. How much are you willing to give for rent ?
Posted by Unknown at 12:15AM CDT 10/03/14
Monday 09/22/14
Farm Payments a Moving Target
Six months of bearish news for corn prices means farm programs are suddenly relevant.
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Posted at 1:00PM CDT 09/22/14 by Marcia Zarley Taylor | 0 Comments |
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Tuesday 09/16/14
Q+A on Farm Bill Choices
We've been busy answering questions from the more than 1,000 people registered for our August webinar on "ARC or PLC: What's the Right Farm Bill Option for You?" You can still listen and download power points from a free one-hour rebroadcast with economists Gary Schnitkey of the University of Illinois and Carl Zulauf of Ohio State University at http://tinyurl.com/qz7aq6d.
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Posted at 11:05AM CDT 09/16/14 by Marcia Zarley Taylor |
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I have customers that have recently purchased ground that has been in CRP the last 30-50 years. It is good farm ground and should never have been put in the program. The problem is it doesn't carry very many base acres. Is there a way to add base acres? I have spoken with several FSA offices, and they are not aware of any way, but it seems that there should be some way for these producers to update their base acres on those farms. Just something we have run into here in Kansas. --Aaron Cross
Posted by Marcia Taylor at 11:11AM CDT 09/16/14
Aaron, its my understanding as well that we are not going to be able to increase the total base acres a farm has, only reallocate the mix of crops contained in that total base.
Posted by Jarrod Bennett at 7:11AM CDT 09/17/14
Tuesday 08/26/14
Land Costs Hamper US Competitiveness
Cheap land costs in Brazil and Ukraine negate some of the USA's natural advantages in corn and soybean production, a team of researchers from 40 countries concludes.
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Posted at 1:26PM CDT 08/26/14 by Elizabeth Williams |
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I see no actual numbers here for direct production costs. How much more is our land cost vs the other countries? How much is the difference of our input costs from one region to the other. Even seed costs are different from one region to the next here in the USA since the suppler will usually charge what the market will bare. We really don't know much if we can't get our heads around the per acre margins in other countries.
Posted by Vince Moye at 6:42AM CDT 09/03/14
I am wondering if in this analysis we aren't overlooking the elephant in the room. The US is producing GMO based commodities while in Russia, and China, and much of Europe there is a strong resistance against them. This resistance appears to be well established in Europe and growing. Except for transportation costs, unless we stratify the GMO vs. non-GMO as different crops, production costs by country aren't reliable. This is because the GMO's win on yield per acre, but are serving different customer bases. We should be aware that there appears to be increasing resistance to sale of meat produced with GMO inputs .
Posted by Lloyd Willard at 7:56AM CDT 09/05/14
Crop production works best in a Democracy where there is relative stability as in we know what is going to happen when we budget for a crop. We don't get "blindsided" too often. Fortunately a "Jimmy Carter " doesn't happen too often. I have heard of $3.50 corn 2014 for two years . As the Man says, "Save some for the lean times".
Posted by james kuntz at 10:33AM CDT 09/05/14
Friday 08/22/14
Help for Farm Program Homework
More than 700 attendees registered for DTN's free webinar yesterday, "ARC or PLC Choices: Which Farm Bill Contingency Plan is Right for You?" with economists Carl Zulauf of Ohio State University and Gary Schnitkey of the University of Illinois.
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Posted at 3:34PM CDT 08/22/14 by Marcia Zarley Taylor |
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Comments (1)
Editor's Note: The correct link to the webinar is http://tinyurl.com/qz7aq6d
Posted by Marcia Taylor at 4:02PM CDT 08/22/14
Wednesday 08/13/14
Debate Rages Over APH Forgiveness
Great Plains wheat growers are howling over USDA's decision to postpone relaxing crop insurance's APH rules until 2016. Some Illinois corn growers are losing out, too.
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Posted at 3:23PM CDT 08/13/14 by Marcia Zarley Taylor |
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Comments (15)
Let's side aside the promise part of the issue for now and just look at the logic of the promise... During a ten-year period, crop yields fluctuate mainly due to weather. Farmers buy crop insurance to protect themselves during the bad weather years. Taxpayers subsidize crop insurance for farmers to lower the premiums for farmers. The actual costs/payouts of crop insurance is directly related to weather. Farmers would like to be able to insure and be paid out for yields that would occur if we didn't experience bad weather. If we ignore bad weather in the equation, are we not setting up taxpayers for higher insurance costs subsidies for crops that may no longer be suited to be planted county-line to county-line for certain areas of the country? Farmers understand risk and they understand it very well when some sucker takes it away for them. Sure it is a lot more fun to drive up land rent costs to $400/acre than to pay full insurance costs of $45/acre. But all that whining sure does knock down the integrity bar for the American Farmer. Or did I miss something and we just threw the whole gadget away?
Posted by Timothy Gieseke at 8:13AM CDT 08/14/14
Tim, you have a legitimate argument, but in the past growers were able to plug a bad year in their individual APH with 60% of the county's 10-year average. The Senate bill would have raised that to 70%. During the Farm Bill debate, critics argued the current rule rewarded those who were "farming crop insurance." CBO actually argued the "forgiveness" provision would save money, Barnaby says. I'm not taking sides, I'm just pointing out this was supposed to limit taxpayer exposure, if CBO is accurate.
Posted by Marcia Taylor at 9:17AM CDT 08/14/14
I think Tim got a it pretty much right. You cannot take the variable of weather and throw it out the window. If we do not account for the worst years of weather, be it drought, excess moisture, frost, etc., then we set up our insurance program to be actuarial unsound and pay out more than necessary with our APH's to high. We already have the trend line yield adjustment. I think we have a good crop insurance program. Why do we continually look for more ways to lessen the risk of farmers, by off loading that risk on the taxpayer in the form of higher subsidy, artificially higher APH's, program expansion (i.e. corn in western plains). Farming is a risky business. Make farmers put more skin in the game, otherwise we will be nothing more than Wall Street, reckless and unsound because we know the government will bail our butts out!!!
Posted by Pedro Sanchez at 10:30AM CDT 08/14/14
I think if it was promised it should be delivered.
Posted by Unknown at 1:39PM CDT 08/14/14
Crop insurance providers would like RMA to stall implementation because it would raise coverage (amounts of insurance) without an increase in premium over the current status quo. When the APH yields go down, the premium cost per acre stays the same for the same coverage level. If farmers need to increase their coverage to cover operating loans or cash rent they will have to crease their coverage levels, say from 75% to 80%, at significantly higher premium cost per acre.
Posted by Steven Griffin at 10:47PM CDT 08/14/14
The purpose of the APH is to establish a realistic estimate of the productive value of the crop going into a crop year. It is not to discount the riskiness of that productivity, that is done by the rate itself. Reducing coverage simply because you have had a catastrophic event is like not being able to insure your new car at its value just because you had an accident with a previous car. Of course you don't want to over-insure the car. Otherwise there is the hazard of people having wrecks just to collect the insurance. Risky drivers and riskier parts of the country should pay higher premiums.
Posted by Steven Griffin at 10:55PM CDT 08/14/14
Then I guess the govt needs to let farmers install drainage in the prairie pothole region. We are riskier not by choice but because of govt regs. Let us be on the same playing field as everyone else. Let's next time have all of the rules written before a law
Posted by Unknown at 9:31AM CDT 08/15/14
passes. How is it even legal to pass these laws then write the law after it passes? Crazy!
Posted by Unknown at 9:34AM CDT 08/15/14
There appears to be some lack of understanding of how the APH adjustment will work and why it is necessary to have it in some parts of the country. The southwest region of the US suffered with a drought of record from late 2010 till mid year 2014. Actually, there are still areas that are considered in drought despite recent rainfall. You have to go back to the early-mid 1950s and the Dust Bowl of the 1930s to find anything corresponding to this recent situation. It is not like this is an every other year weather situation. The current APH rules and yield plugs were not constructed to deal with a weather cycle that only occurs every few decades. Compounding the problem along the Texas coast, a hurricane destroyed production once prior to the drought years. Producers, even with the yield plug, have seen their APH and thus the amount of coverage available decline dramatically. Depending on the county and individual producer's yields, by as much as 25-40%. This has become problematic to ag lenders trying to finance producers. I believe there are producers in the Midwest and northern Plains who may also benefit from the APH adjustment due to the combination of too much rain in some years and the drought of 2012. In Texas growers cannot simply buy up coverage to a higher level for two reasons. First, coverage is not offered above 75% and second, it is very expensive to buy above 65%. For corn, the counties of the Texas Panhandle have loss ratios very comparable to the best corn producing counties of Illinois and Iowa yet our cost per acre is 2-3 times higher for the same coverage. Producers who use the APH adjustment will not pay less premium for coverage. Actually they will pay the same as they would have without the adjustment or perhaps will even see higher premiums since the adjustment only applies to the APH yield. The APH yield determines the amount of coverage a producer can purchase. There is also a rating yield which determines the cost of insurance. The rating yield will not be adjusted so the producer will still pay an insurance premium reflecting his actual history. This is potentially a very expensive situation for the producer because cost of insurance is affected by both the rating yield and dollars of coverage. Low yields from the past few years will make the rating yield expensive while the APH adjustment will increase coverage, also adding to the cost of insurance. The APH adjustment needs to be implemented for the 2015 crop, including wheat that will be planted this Fall. RMA is delaying implementation till 2016, the third year of the farm bill. RMA is busy patting itself on the back for having SCO and STAX available for the majority of counties for 2015. It would never be tolerated for FSA to announce it will have ARC, PLC, and the ability to update bases and yields available in the majority of counties. My question then is why does RMA get a pass to delay some counties for SCO and STAX and the APH adjustment for another crop year. It was clearly Congressional intent that all of the new crop insurance provisions be available for the 2015 crop year. This intent is obvious not only from the language of the farm bill but also the fact Congress added millions of dollars in new funding for USDA to implement the farm bill. RMA can use those funds to hire outside contractors to help with the data collection and research necessary to implement the new provisions. Sadly, while RMA dithers on this issue, some producers will not be able to get financing for 2015. Dee Vaughan
Posted by MICHAEL D VAUGHAN at 3:41PM CDT 08/17/14
I scratch my head when I see all the destruction going on in farming now. Farmers farming land that should NEVER be touched(but yet getting tax payer money to do it) Drain Tiling land that is used to filter out the chemicals out of the water. And then that water is put in sloughs or rivers and that leds to more or worse flooding and then the tax payer has to pick up that bill to. Example red river valley and devils lake and northeast South Dakota. I have NO issue helping farmers on declared bad years( declared floods or drought, has to be a total wipe out). But why should we put the bill for their "risky" practices? Side note we farm, but we do a balance of conservation and farming since 1886. We have seen many farmers(still some balanced farmers out there) plow up pastures and hill sides and plant beans and corn and the beans last yr didn't even make 10 bushel, but yet they are paying over 180 per acre to rent it. now tell me, how is that even possible to maintain, easy, they falsified the yields they carried over, thus get the government check. this yr, the corn isn't even putting on ears on most of the plants, and it was a good yr for weather in that part. erosion is horrible in that field but yet they just put culverts in to cross...this is becoming the norm now,, Truly sad
Posted by ryn bohr at 4:33PM CDT 08/20/14
Scratch your head a little more. Research a little science and get by your uneducated opinion corrected a bit. Proper drain tiling will actually decrease the net run-off of chemicals, nutrients and solids. Todays Ag drain tiling is unlike the common storm sewer principles used in a curb and gutter practices. There is much info out there, take a look at facts, rather than the fabricated info which supports your opinion.
Posted by Bonnie Dukowitz at 8:33PM CDT 08/20/14
Great article and real interesting comments. Thanks
Posted by G. Sean O'neill at 8:41PM CDT 08/20/14
according to the University of Iowa , the chemical treatment on corn seed is filling the rivers and steams(which leads to the drinking water of iowa) at a alarming rate, in fact the chemical company themselves have said the amount in the water sources is 5 times!! the recommended leval for safe drinking water. They said, every since 2000, the amounts have ski rocketed so fast that they started to find the source. and according to them, they put sample monitors by the pipes of drain tiles( most of them drain into the ditchs which led to rivers,public land) and they found the rapid run off of phosphates, nitrates AND the chemical treatment on corn seed. I find it funny how the "agi companys" always use study's done by the chemical,seed, or drain tile companys themselves . Geee I wonder what they will say..lol,, remember when you mess with mother nature, she hits you right back. But then again, when you get gov. checks, what do they care about the land and environment. remember we got a farm to of over 700 acres.
Posted by ryn bohr at 12:45PM CDT 08/21/14
Let us consider this: If we (farmers) are allowed to pull our extreemly low yields should the insurance companies be allowed to pull the highest yields? I would argue it may be a way to get to the "real" average yield of an individual farm. You may pull as many low yields as you desire and the insurance company pull the same amount of high yields and average the rest.
Posted by DORAN ZUMBACH at 9:40PM CDT 08/21/14
There are many different departments and many different sources of funding in all University's Ryn. If the funding came from an anti-ag group, the results were in the computer prior to any research being conducted. I did try to describe the difference in the open tile inlet drain tile and a subsurface system. Remember such things as according the U.S. Geological survey indicates the Greater Chicago area is the largest single source of hypoxia issues in the gulf. I am not defending the reckless abusers on both sides of the issue. You mention UofI placing sensors. If they did, as these systems are mostly private, it was with cooperation of the land owner who is trying to improve the practices used on their land, rather than just whining about it, pointing their finger at someone else. If all the Enviro's would clean up their own curb and gutter, many issues and problems would correct themselves. In our watershed, several lakes were declared "Impaired" do to high concentrations of chlorine. I assume the source is not ag related.
Posted by Bonnie Dukowitz at 4:30AM CDT 08/22/14
Monday 08/04/14
Expert Advice to Pick a Farm Bill Contingency Plan
Do you or your landowners need more coaching on your one-time 2014-2018 farm bill decisions? If farmers I interviewed last week in Indiana are typical, many growers spent the last decade wishing farm programs would go away.
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Posted at 12:44PM CDT 08/04/14 by Marcia Zarley Taylor |
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This post was corrected to reflect that landowners have 60 days to report incorrect, incomplete or missing records, USDA points out. If your history is correct, no response is necessary at this time. More information from USDA about the base and yield decision will follow.
Posted by Marcia Taylor at 3:34PM CDT 08/05/14
Thursday 07/31/14
Update Your Ancient FSA History?
Don't let your future farm program payments suffer from obsolescence.
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Posted at 10:56AM CDT 07/31/14 by Marcia Zarley Taylor |
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Comments (1)
Great article
Posted by G. Sean O'neill at 6:46AM CDT 08/02/14
Thursday 07/24/14
Fat-Cat Rents Most Vulnerable
It's those cut-throat, top-of-market leases bid up at cash corn's $6.89 season-average peak in 2012 that stand to see the biggest adjustments. Average rents drop much more slowly.
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Posted at 11:46AM CDT 07/24/14 by Marcia Zarley Taylor |
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Comments (6)
Can someone out there tell me what I am missing!I just read land sales in Progressive Farmer How are these guys going to pay for 13000 dollar an acre ground?I look at after taxes,all expences and depreciation you may clear 100.00 per acre on payed for land.So how do you make payments of that size, it would take 130 years to pay for it with no interest.Do they not figure in cost of living.
Posted by Raymond Simpkins at 8:53AM CDT 07/29/14
corn is at a 100-150 loss on my cash rent ground, can't take that kind of loss again
Posted by Unknown at 6:59AM CDT 07/30/14
Question Marcia. When referencing cash rent- Do the whiz kids actually use average cash rent or median cash rent? Example: 1,000 acres @ $100.00 /acre and 100 acres @ $1,000.00/acre is $550.00 median rent. The average, on the other hand is about $182.00 per acre using the same #'s.
Posted by Bonnie Dukowitz at 9:11PM CDT 07/30/14
Money solves all problems! If someone has the money they can rent or buy land at whatever value - just because they can, they have the cash. If someone does not the money they can't rent or buy land at high or reduced values - just because they can't, they don't have the cash. This is a fact of history and most current economists miss this important fact. During the Great Depression, in the 1980's and still today (money) makes the difference in what individuals can do. When some people suffer because of lack of money others with money can purchase assets even if buying them does not make sense. Most people do not like hearing this time honored fact of money! Put your pencils, calculators and computers away and understand what most economists miss - money solves all problems.
Posted by John Finley at 8:02AM CDT 07/31/14
John, most guys around here buying don't have cash. In fact some are in bad shape, but seem to find someone to finance them.Cash or not you wouldn't buy gold at it's highest knowing it is going to come down.
Posted by Raymond Simpkins at 11:53AM CDT 07/31/14
so the land owner is suppose to lower the rent,,,,is JD going to lower the price of a combine, is Monsanto going to lower the price of chemicals, are the employees going to take a cut in salaries on the farm, if they do, then the tenant can buy a new pick-up
Posted by Wally frey at 10:13AM CDT 08/21/14
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Defend Against Reversals of Fortune
Wed Oct 22, 2014 11:05 AM CDT
Given the abrupt drop in commodity prices this year, "the solvency of some farm customers could shift quickly," David Lynn, a senior vice president for Farm Credit Mid-America cautioned ag economists attending a conference in Louisville this month.
Beware Gaps in SCO
Thu Oct 16, 2014 02:27 PM CDT
Your actual losses may not mirror the county average, leaving you unprotected in the event of yield disasters.
Possible 2014 Insurance Pay Day
Fri Oct 10, 2014 03:52 PM CDT
Steep drop in corn prices could make claims possible for corn growers with revenue insurance policies, even with average or slightly above average yields. Not since 2008 has difference between planting and harvest prices tumbled so far so fast.
More on Wall Street's Dive Into Land Pools
Tue Oct 7, 2014 01:09 PM CDT
Farmland Partners CEO Paul Pittman doesn't want to perpetuate the image of a big, bad institutional investor. He knows insurance companies who promised 50-year horizonsthen ditched their farm portfolios during the 1980s credit crisis.
Let Watson Pick Your Farm Program
Mon Sep 29, 2014 04:49 PM CDT
Computer simulators do the heavy lifting on your farm program choices.
Reshuffling Crop Insurance
Fri Sep 26, 2014 12:29 PM CDT
News this week that John Deere had appointed Citigroup to sell its crop insurance unit opens the door to more jostling among the nation's 19 multi-peril insurance providers. The company's chief financial officer told an investor conference in Brazil that proceeds from the potential sale would be used to repurchase Deere stock, J.P.
The Cash Rent Squeeze
Tue Sep 23, 2014 11:09 AM CDT
Cash rents rarely back pedal, but 2015 could turn out to be the exception to the rule for a large number of growers.
Farm Payments a Moving Target
Mon Sep 22, 2014 01:00 PM CDT
Six months of bearish news for corn prices means farm programs are suddenly relevant.
Q+A on Farm Bill Choices
Tue Sep 16, 2014 11:05 AM CDT
We've been busy answering questions from the more than 1,000 people registered for our August webinar on "ARC or PLC: What's the Right Farm Bill Option for You?" You can still listen and download power points from a free one-hour rebroadcast with economists Gary Schnitkey of the University of Illinois and Carl Zulauf of Ohio State University at http://tinyurl.com/qz7aq6d.
Land Costs Hamper US Competitiveness
Tue Aug 26, 2014 01:26 PM CDT
Cheap land costs in Brazil and Ukraine negate some of the USA's natural advantages in corn and soybean production, a team of researchers from 40 countries concludes.
Help for Farm Program Homework
Fri Aug 22, 2014 03:34 PM CDT
More than 700 attendees registered for DTN's free webinar yesterday, "ARC or PLC Choices: Which Farm Bill Contingency Plan is Right for You?" with economists Carl Zulauf of Ohio State University and Gary Schnitkey of the University of Illinois.
Debate Rages Over APH Forgiveness
Wed Aug 13, 2014 03:23 PM CDT
Great Plains wheat growers are howling over USDA's decision to postpone relaxing crop insurance's APH rules until 2016. Some Illinois corn growers are losing out, too.
Expert Advice to Pick a Farm Bill Contingency Plan
Mon Aug 4, 2014 12:44 PM CDT
Do you or your landowners need more coaching on your one-time 2014-2018 farm bill decisions? If farmers I interviewed last week in Indiana are typical, many growers spent the last decade wishing farm programs would go away.
Update Your Ancient FSA History?
Thu Jul 31, 2014 10:56 AM CDT
Don't let your future farm program payments suffer from obsolescence.
Fat-Cat Rents Most Vulnerable
Thu Jul 24, 2014 11:46 AM CDT
It's those cut-throat, top-of-market leases bid up at cash corn's $6.89 season-average peak in 2012 that stand to see the biggest adjustments. Average rents drop much more slowly.
Why Rents May Be Slow to Tumble
Wed Jul 23, 2014 10:59 AM CDT
Farmers stand to lose money on cash rented land in 2014 and 2015, if average lease rates don't adjust to new economics. On the other hand, landowners may be slow to budge.
What Farm Widows Wished They Knew
Wed Jul 23, 2014 10:58 AM CDT
Farm accidents can strike at any age. Good farm advisers and documentation of what couples own, farm lease terms and business roles after a partner's death can ease the grief.
Cash Rent Needs a Relief Valve
Mon Jul 21, 2014 04:40 PM CDT
Dan, an Iowa farmer, summarized the problem in a 16-word Twitter post last month: "$4 cash corn. Same as when I started in 2010, but cash rents are $100 higher." He could have added: Something's gotta give. DTN's national average cash price index--a collection of cash bid data from almost 3,000 locations across the U.S.--slid to $3.52 last Friday.
Spring Fling Lifts Land Markets
Fri Jul 18, 2014 05:06 PM CDT
Midwest farmland values bounced back to life at mid-year, a new FCS analysis finds. But whether the rally survives lower prices remains a question.
Why Succession Plans Stall
Thu Jul 17, 2014 10:00 AM CDT
Young farmers often voice frustration at the pace they transition into an existing family business. Why do seniors keep a tight hand on the reins?
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subset: commoncrawl


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The Technology Industry Association(TIA) is South Australia's premier body representing the many innovative technology based organisations in South Australia.
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There's a question for mountain bike tyres but I can't seem to find anything on here for road bikes. At the moment I'm running at around 90psi. Is that too much? too little? Also, am I more likely to get punctures running at higher pressure? I seem to be getting a lot lately.
All other things being equal, run them as high as the tyre manufacturer recommends (there will be an advisory notice on the tyre wall). For most tyres of even medium quality, this should be at least 100psi, if not 110; higher end tyres might go up to 130+. (I generally inflate both tyres to similar pressures, but I think that there are some theories that if either were to be higher, that should be the rear, because it carries the majority of the weight.)
Indeed, the higher the pressure and the harder the tyre, the fewer punctures you should expect as the surface should be better at repelling objects.
You should keep tyres topped up, natural leakage occurs and at the higher pressures you might expect 10-20 psi drift within a week.
When re-inflating, you should also take the opportunity to inspect the tyres. Any deformity or wear will be sure to be far more obvious and damaging when the tyre is inflated to the limits of its recommended pressure.
The only caveat is in poor weather, where a reduction in pressure increases the contact area and introduces give, which should make for enhanced traction.
Michelin says this for road bikes:
I do not agree that running at the max pressure is a good idea. Most manufacturers express the recommended pressure as a range and there is a reason for that (as has been pointed out in various answers above). There is a "sweet spot" that tends to be affected by a variety of factors such as your weight, bike weight and road conditions. You'll probably need to experiment to find what feels comfortable without feeling "squirmy" or squishy.
There are some arguments that running full pressure actually wastes more energy than the increased rolling resistance from running at slightly lower pressures. At full pressure, the tires tend to "bounce" off road imperfections rather than absorb/conform to them. And of course the increased road shock will add fatigue.
One trick I'll add is to run your front tire about 5-10 psi lower than your rear. The rear tire has more weight over it and so it needs the higher pressure. The front tire has more bearing on perceived handling and comfort IMO, so running lower pressure there has more benefit.
As an example, I use Gatorskins on my road bike (23c) and my commuter bikes (28c). I run the rear tire 10 psi below the max and the front tire 15-20 psi below the max. When I made that transition (from running at max) I noticed a lot more comfort and no loss of speed or efficiency; that includes fairly objective measurements with a power meter. I also have not had any increase in the rate I flat--which is incredibly low by the way, I highly recommend Gatorskins! I am 160 lbs FWIW.
Most of the above observations are discussed in a Bicycle Quarterly article.
Without knowing what type of tire you are running, that question is hard to answer. For instanct, a 700x23 will be higher (like 120psi) than a 700x28 which will be lower (like 90psi). Generally tires give a range, the lower number will have more cushion but run slower and pinch-flat easier. Higher end will roll better and resist pinch-flats, but can cause a harsh ride.
I always run mine around the recommended 120psi (recommended on the tire wall). You can let a little air out for some "old skool" suspension or add a touch for a firmer ride.
Not sure of your weight, but this may be a cause for your punctures, which is why you get a better response around 90psi.
I tend to inflate 10% shy of max because I'm light (150lbs) and I like my ride to not be jarring yet roll fast. For me its a compromise.There is a sweet spot you find after riding a particular tire for a while. Also if its wet or rough or sandy you may wish to run lower pressure resulting in a larger contact patch=more grip but also more rolling resistance. Ultimately, with experience you will feel whats best for you. It just takes a little time.We all start out not knowing!
On tires with tubes (which is what most of us have) you should always ride with the maximum recommended pressure but be sure to check both the tires and tubes max PSI. This is mainly to avoid pinch flats but also to decrease rolling resistance. It also will kick debris out from under the tire quicker to help avoid punctures. If you are on tubulars its less of a factor. If you are on nice roads on tubular tires i would always want to max them out as the are usually able to inflate to higher pressue thus reducing rolling resistance. On the other side with tubulars it is still safe to run them lower for nastier surfaces. For more information on tubulars and low pressure google Paris Roubaix + tires and you'll see why.
Yep, generally run them at the sidewall rated pressure, or maybe 5psi under. If you want a softer ride (at the expense of higher rolling resistance) you can drop the pressure maybe 20% from it's sidewall rating -- no more (unless you're a fairly small person). Running 30-40% below rated pressure on road tires greatly increases the chance of "snake bite".
The wider the tire the lower the rated pressure, generally.
If you're worried about puncture resistance, buy Kevlar belted tires -- they're just about bullet-proof in normal road use. (I haven't had a puncture in maybe 5000 miles riding Kevlar tires.)
I run my 35mm tires at 95-100 psi -- they're rated 100.
There's always a safety factor built in to the engineering design. I'm fat and out of shape, and I've had pretty good luck running about 20% over the sidewall spec. Yes, you'll run a risk that the manufacturer never intended. Yes, you'll be more likely to pop your tires and cause injury to yourself and to others. (Yes, I have a BSME Mechanical Engineering with a fluid mechanics specialization and happen to have been doing this for years on old, worn-out bicycles without a problem.) I do want to warn you that a harsh ride is hard on your bicycle, especially the bearings. It's also going to be more important that the rim itself is free of burrs and that the backs of your spoke nuts aren't exposed (if applicable).
Within a minimum and maximum pressure range, bicycle tire pressure is largely subjective. If you want a smoother ride or are worried about dry grip, go low. If you want a harsher ride that's easier to pedal or are worried about wet grip, go high.


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Janet Foutty is the leader of the Federal Consulting practice for Deloitte Consulting LLP. In this role, Janet directs more than 5,000 dedicated practitioners and former government executives to help Federal agencies transform into more efficient, effective organizations with wide-ranging missions in the United States and around the world.
Previously, Janet was the national managing director of Deloitte Consulting's U.S. Technology practice. Under her leadership, Technology grew to more than 15,000 practitioners across the United States, India and Mexico. She also successfully launched three new businesses under the service area—Application Management Services (AMS), Deloitte Digital and Customer Solutions—and drove the strategic acquisition of Übermind, which put Technology at the forefront of enterprise and consumer mobile strategy and implementation.
Janet joined Deloitte in 1991 and distinguished herself as an advisor to financial services clients. She has deep experience in leading the provision of consulting services in support of technology-based transformations and complex systems integrations and she is a leading authority on business-driven IT strategy. Janet is a frequent speaker at national technology conferences and is often quoted in and around technology matters.
In her career with Deloitte, Janet has held a wide range of leadership positions across services, industry and talent dimensions of the business. She was the Regional Service Area Leader for the Midwest Region and served on the Financial Services Industry leadership team as the Regional Industry leader for the Central Region and as its Human Resources leader.
Janet is an advocate of Deloitte's Women's Initiative and founded Women in Technology groups in India and the United States. She was recently named one of the 100 leaders in Science, Technology, Engineering, and Mathematics (STEM) by STEMconnector™. Janet is a frequent speaker and panelist on women in technology and government.
In addition to her Deloitte responsibilities, Janet works with several business, arts and community service organizations. Janet currently serves on the Board of Directors of the Chicago Metropolitan YWCA; the Dean's Council of the Indiana University, Kelly School of Business; and on the Leadership Council for the Civic Consulting Alliance. She has recently completed terms on the Board of Directors of the Civic Consulting Alliance and the Chicago Shakespeare Theatre.
Janet holds a Bachelor of Science in Quantitative Business Analysis from Indiana University and a Master of Business Administration in finance from the Kelley School of Business at Indiana University. She currently lives in Evanston, IL, with her husband and children.
As used in this document, "Deloitte" means Deloitte Consulting LLP, a subsidiary of Deloitte LLP. Please see www.deloitte.com/us/about for a detailed description of the legal structure of Deloitte LLP and its subsidiaries. Certain services may not be available to attest clients under the rules and regulations of public accounting.


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E' un amore questa piccola cappella in riva al lago! Nel mio prossimo viaggio non mancherò di visitarla. Enjoy!!!
Celio R. 18 December 2013
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Wednesday, 17 April 2013 12:26
Well folks, I guess spring has got here and it's a welcome sight to see everything come to life. The flowers are so pretty and the trees are leaving out. To me, spring is the most beautiful time of the year. The birds are singing and the frogs are jumping around and the bees are working and the weather is warm.
Wednesday, 10 April 2013 12:38
Well folks, it's springtime now and it sure is a welcome sight. Some trees are blooming and the flowers are beautiful. As I've said so many times, I love springtime.
Wednesday, 27 March 2013 12:29
Well, today is Monday and the snow is on the ground. The month of March is the time of spring, but it's wintertime here now. I hope April will bring some warm weather. I thought that we would have an early spring, but we're not this year. March has been the worst month that we've had all year. We had a Magnolia tree and it was in full bloom and yesterday I looked at it and it was brown instead of pink. The freeze got it.
I'm sorry I didn't get to write my column last week, something came up and I didn't have time to take it down there.
I saw my friend, Preacher Riley Parker, last week down at the funeral home and he said he reads my write up. Thanks Brother Riley. He preached awhile here in Clay County and he has preached for many years in Ohio where he lives.
Daugh and Lucy Pearl Gregory were visiting with us today, they read the paper as well. They live in Michigan.
I'd like to say hello to my friend, J.C. Jarvis, who lives on Curry Branch. He told me that they read my little column. Thanks J.C. and to all of you. So many tell me that they enjoy reading my write up every week.
Some folks are still sick: June Mills, Dorthey Root, Waymon and Joyce Mills, Delbert Collins, Alice Mills and Harley Sibert. So pray for all these people.
The grandboy sure is growing up too fast, he's a big boy and he's got a birthday coming up in May. He's already put his order in for what he wants for his birthday. He is a sight.
Robert Tuberfill was up Saturday night. He put strings on the baby's banjo, you should see him play.
Happy birthday wishes go out to Stephen Centers, Kayden Hubbard, Lucy Pearl Gregory, Payton Blist Carson, Lee Hicks and Riley Chandler Broughton. We wish Daugh and Lucy Pearl Gregory a happy big 50th anniversary. So to you all, may the good Lord bless you all to have many more birthdays and anniversaries, from all the family and friends.
Our prayers go out to all the ones that lost a loved one the past week. Remember the ones in the hospitals, the nursing homes and the ones at home. Remember that we love you, but God loves you more.
I'll stop for this time. May the good Lord bless and keep you and may He always hold you in His hands.
Wednesday, 27 February 2013 13:48
Spring time is just around the corner and I love spring. Some of the Easter flowers are blooming and the Blue Birch and Robins have come back. I'm sure I saw a butterfly, too. I never saw one before in February and the frogs started hollering.
Well, it's time to plow the gardens and getting things ready to plant. It's good to have garden stuff. It's hard work to grow a big garden, but I like working around the farm. The grandboy is sure growing, he's not a baby anymore and he also likes it here on the farm and he loves going to church. He's my little helper around the place. He tells me, "Let me do that!" He gets into everything. He likes riding his pawl and all his toys too.
Daugh and Lucy Pearl Gregory and son were here this weekend. Lucy Pearl had a niece to pass away, her name was Birtha Francis Hoskins. So our prayers go out to the Hoskins family and all who lost a loved one this past week.
I want to thank all the staff at the Enterprise for helping me with my write up.
Some people are still sick and need prayers: Waymon and Joyce Mills, Charlie Collins, Sylvester Mills, Stella Jackson and Shanon McGee. Remember the ones in the hospitals and the nursing homes.
Happy birthday wishes go out this week to Sheena Ealy, Faye Blair, Norma Lee Sibert and Johnathan Dezarn. Also our granddaughter Emily Rayne Center way up Indiana way. So may the good Lord bless you all to have many more.
May the good Lord bless you and may He forever hold you in His hands
Wednesday, 20 February 2013 13:35
Well folks, as I'm writing my column I'm thinking about when I was a boy growing up on Whites Branch how we, the people, have changed. We had time to talk to our neighbors and the people loved one another. I wonder what happened? Today we have telephones and everything so modern. Someone can die and be buried before you know about it today. People don't have compassion for one another and that's the truth.
When I was a boy, people depended on one another for help. Today, they look for the government to help. What is going to happen when the money is gone? Just a thought.
I never got a handout from the government. I worked all my life and I'm thankful to the good Lord for making me able to work. It's so amazing to see how things have changed over the years.
The bible says that if a man doesn't work and provide for his family, he is worse than an infidel and he's denied the faith. That's what the bible says. I'm afraid folks that the handouts are going to run out one of these days. What then? Well, so much for that.
Happy birthday wishes go out this week to Daugh Sizemore, JR and Calista Sizemore and Trisha Jane Shelton. I want to say hello to my good friend Gearldine "Boots" Smith and wish her a happy day and to my friends the Pelfreys and Smiths way up Virginia way. I hope all is well with you folks. Sarah, my wife, will send you the recipe for "cathead" biscuits one of these days.
The grandboy is making so many friends at church. He really enjoys going to Sunday school and church. You should see the little ones as they get up and sing with me. The Lord is so good to us all. I wish that all parents and grandparents would take their children to Sunday school and church, it would make a difference in their lives.
I'm sorry that I didn't get to put my write up in the paper last week, the reason that I didn't was that my brother had passed away last Monday morning. As they always say, "We all have our trouble, but if you have the Lord in your life, he will see you through the trouble and trials."
Some folks are sick and in need of prayer: Waymon and Joyce Mills, Celia Mills, Stella Jackson and Lee Hicks. Remember the ones in the hospitals and the nursing homes.
So when you pray, remember all the ones that have lost a loved one.
Well, I'll stop for this time. May the good Lord bless and keep you and may He forever hold you in His hands.
Page 4 of 23


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- Additional Details
- Format: DVD
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- Release Date: 2003
Caine leads an elite team that includes Calleigh Duquesne (Emily Procter), a bilingual Southern beauty with a specialty in ballistics; Tim Speedle (Rory Cochrane), a cocky yet disarming investigator who is well-connected on the street; Eric Delko (Adam Rodriguez), an underwater recovery expert who knows all the twists and turns of the Florida waterways; Alexx Woods (Khandi Alexander), the no-nonsense, know-it-all coroner; and Detective Yelena Salas (Sofia Milos), a frequent ally to the team. Now add CSI: MIAMI The Complete Second Season to your collection.
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Presented in Widescreen format and in 5.1 English Surround Sound and Spanish Dolby Surround


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text: Maxell microSDHC Memory Card Speed Class 4 (16GB) Zoom Front Photos Videos Item #: 170502003 Review Summary 2 people say DISCONTINUED This item is no longer available to purchase. Contact us for other options Call Email Original price $19.99 Shop all SD Memory Cards Shop all SD Memory Cards x By buying this product you'll earn up to 20 Rewards points. When you sign up for a Crutchfield account, you'll be enrolled in Crutchfield Rewards. You'll earn one point for every dollar you spend on gear from us. You can turn your points into Rewards Cards that you can use toward future purchases. You can sign up for an account now, or after you complete your purchase (you'll get credit for the points either way). 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Yes | No 5 out of 5 Thanks for the memory Written By Cblue, Glen Ellyn, IL on Monday, January 07, 2013 Crutchfield Customer Review (What's this?) Good price, works as advertised. Pros: price, size Cons: none Was this review helpful? Yes | No For a more in-depth review and enhanced detailed information on the Maxell microSDHC Memory Card, please visit the Crutchfield website product page (/ISEO-rccbcspd/p_170502003/Maxell-microSDHC-Memory-Card-16GB.html ). x Sorry, the Maxell microSDHC Memory Card is no longer available for purchase. Looking for a similar item? Shop SD Memory Cards Or, you can still... Write a review Purchase product accessories Go × Front


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Online privacy doesn't exist. It was lost years ago. And not only was it taken, we've all already gotten used to it. Loss of privacy is a fundamental tradeoff at the very core of social networking. Our privacy has been taken in service of the social tools we so crave and suddenly cannot live without. If not for the piracy of privacy, Facebook wouldn't exist. Nor would Twitter. Nor even would Gmail, Foursquare, Groupon, Zynga, etc.
And yet people keep fretting about losing what's already gone. This week, like most others of the past decade, has brought fresh new outrages for privacy advocates. Google, which a few weeks ago changed its privacy policy to allow the company to share your personal data across as many as 60 of its products, was again castigated this week for the changes. Except this time, the shouts came in the form of a lawsuit. The Electronic Privacy Information Center sued the FTC to compel it to block Google's changes, saying they violated a privacy agreement Google signed less than a year ago.
Elsewhere, social photography app Path was caught storing users' entire iPhone address books on their servers and have issued a red-faced apology. (The lesser-known app Hipster committed the same sin and also offered a mea culpa.) And Facebook's IPO has brought fresh concerns that Mark Zuckerberg will find creative new ways to leverage user data into ever more desirable revenue-generating products.
This is the way we're private now. It's ludicrous for anyone who loves the Internet to expect otherwise. How else are these services supposed to exist — let alone make any money? Theft or misuse of private user data is a crime, certainly. But no social web app — not one — can work without intense analytics performed on the huge data sets that users provide to them voluntarily (you did read the terms of service agreement…right?).
And the issue compounds when people connect one site to another. By linking their Twitter to their Facebook to their Google+ to their Foursquare to their Zynga to their Instagram to their iOS, users are consolidating their lives, and in the process making them more attractive to marketers. While Facebook, Twitter and other services have made attempts to warn users about hitting the "connect" button, many of us hit that button with reckless abandon, without a thought of who's slavering on the other side.


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HGTV Message Boards
Craft Trends
My candle jars
I made these from my old candle jars
They are lovely. And so elegant. Thanks for showing us.
Good friends are like stars...You don't always see them, but you always know they're there.
i like them pretty
Jean, Where ever did you find the base, that the jars are sitting on? I saw them made with old candle holders, they are hard to come by.....Thanks for your help, Michele
What a great idea!
I really like those!
"Welcome to reality would you like some popcorn?"
I wanted to make some and had candle holders for the bases but couldn't find the right jars. Most everything the right size and shape was plastic. I never thought about the candle jars. I will have to use them! Thanks for sharing.
love your candle jars. you did a great job on them.
Very nice, good idea!
Craft Happens!
Nice looking candle jar dude..awesome work on it.I recall the memory of that day which was invite my girl friend in the candle dinner.Such a pleasant candle dinner that was.This message has been edited. Last edited by: hafi444,
love your candle jars love tyo know how you made these please
Very very cute--Halloween is closer than you think!
Very pretty! Great idea!
Those candle jars came out GREAT! And, I DO love candy corn too!
These are wonderful! I can't wait to copycat this!
Andie, Purehome.com
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The City by the Bay
I love San Francisco. I first visited 10 years ago with my two high school bff's. While most other kids in our graduating class were going to Myrtle Beach, SC for 'beach week,' we had no interest, and instead jetted across the country to visit San Francisco & Santa Cruz. It was lovely. I've had nothing but love for San Francisco since we left a decade ago, and have always wanted to go back. This weekend, Zac & I hopped on a dusk flight across the country, chased the sunset,and spent the weekend in the city.
He had never been, so I felt like we needed to do as much as possible. We got a hotel in Fisherman's Wharf, and on Saturday we set out on a crazy, fun-filled, and GRUELING itinerary of 'lets see where our feet can take us, and just be surprised.' My favorite kind of travel - go where the wind takes you, and discover new things.
First thing in the morning we walked through fisherman's wharf along the piers. We made a stop a the famed Pier 39 so Zac could see the Golden Gate Bridge, Alcatraz, and the Bay Bride for the first time. We also had fun watching the sea lions.
After breakfast, we set out on foot to explore, we made our way along Lombard St. for awhile and set off on an uphill journey.We started seeing signs for the Coit Memorial Tower, which I had never been inside, and continued uphill for a grueling walk that my legs are hating me for today.
There was a steep staircase that we climbed, and caught the morning light filtering through the trees exposing a bit of the famous tower.
When we finally reached the top, we ventured inside to check out the murals and purchase tickets to head up to the top of the tower, for some exquisite 360 views of the city.
The tower itself is kind of…smelly. It kind of smells like a hundred cats inhabit it on the off hours, but I can confidently say it was well-worth the scent for the views. We were lucky to visit on such a clear day, and I was in awe by the views of the city and all of the landmarks:
After we had our fill of the views, we hopped on a muni bus and rode around for about 10 minutes before deciding to hop off and continue our foot journey, agreeing not to take too many more uphill journeys ;)
We happened upon China Town, which happens to be one of my most favorite places from my visit to San Francisco a decade ago. We meandered the streets, and purchased a little china outfit for our boy.
Next we wandered around for awhile, had a couple of beers at O'Reilly's Irish Pub, and hailed a cab to Haight-Ashbury, my other favorite place from my last trip!
We wandered around many shops, stopped for another cold beverage & lunch, and decided to walk and figure out what else we could find in this city.
I must say that I love the culture of San Francisco. Anywhere you look you might see a ritzy townhome next to a graffiti mural, or even quotes taped to the sidewalk:
We walked for HOURS (again, legs hate me now), and happened upon Market Street. We walked past UN Plaza, through all of the shops, and through the financial district.
We finally made it back to Fisherman's Wharf and did another walk-through to see the golden gate at sunset, and made a quick trip to Ghiradelli Square.
We were originally set to fly out on Sunday morning, but after looking at the flight loads, we decided to hop on the red-eye last night, which was actually nightmarish. We got to the airport for an 11:30 departure at 8:30 (totally thought it would take longer to get through security, but we were at the gate by 8:45) and realized that the flight was delayed until 1:30 AM. We sat around the airport for 5 1/2 hours before boarding and didn't actually take off until 2:30 AM. We chased the sunrise on the way home, above the clouds once more, and landed in DC around 10:30 AM. Full Circle.
It was truly a whirlwind trip, and though we missed our boy like crazy, I was so pleased to be away with my husband, and happy that we were able to squeeze SO much fun into 24 hours!


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Benet Braun will musically direct the concert, which will feature Chase (The Mystery of Edwin Drood, Aida), Murney (Wicked, The Wild Party), N'Kenge (Motown The Musical, Sondheim on Sondheim), Jill Paice (A Little Night Music, Curtains, The Woman in White), Shingledecker (West Side Story, Rent), A. J. Shively (Unlock'd, La Cage aux Folles), Ron Bohmer (Ragtime, A Little Night Music), Christian Macchio (lead vocalist of Captain Jack), vocalist William Blake, singer-songwriter Samia Najimy Finnerty and "American Idol" contestant Erika Van Pelt.
Created and produced by John Capo, The Pop Show — part of the Broadway at Birdland series — celebrates the work of various pop songwriters.
In anticipation of this month's featured artist, Playbill.com asked performers Chase, Murney and Shingledecker to share their favorite Joel tunes and tell us why they made their list.
|1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 Next


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INGLEWOOD, Calif. (September 3, 2012)—There will be a Pick Six carryover of $194,259 for the final day of racing Wednesday at Del Mar.
Post time is 2:05 p.m. The Pick Six, which will have a mandatory payout, will begin in the fifth race, which has an approximate post time of 4 p.m. Track gates at Betfair Hollywood Park will open at 10 a.m. for simulcasts.
Copyright © 2009-2014, Hollywood Park. All rights reserved.


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ACC Tournament: Jones goes from Kannapolis to the bright lights of the ACC
GREENSBORO — Teven Jones has had to do a lot of convincing as an athlete.
Most saw him as a star on the gridiron at a school where football was king. But for Jones, whose first love was the hardwood, breaking up was hard to do.
Jones received a lot of attention for his football efforts at A.L. Brown but the 6-foot, 180-pound redshirt freshman has put his dreams as the priority.
Playing Division I basketball is fulfilling that dream and Jones, who started nine games at point guard for the Cavaliers this year, has exceeded it.
"I actually just played football to stay in shape for basketball," said Jones, who averaged 21.6 points a game at Brown his senior year and was selected to play in the East/West football All-Star Game. "It turns out I was good at it."
Jones said he made some people mad for pursuing hoops while ignoring the offers he was garnering for football. He was the team's leading receiver in 2010 and impressed scouts with his elusiveness.
Jones finished his football career with 1,092 yards receiving and 13 touchdowns, including one in the 3AA state championship game.
"I was getting lots of football attention," Jones said before rattling off a list of schools such as Clemson and East Carolina. "Until my ninth-grade year, I didn't have that much experience with football.
Despite the flair for hoops, Jones wasn't seen as a priority for most college programs in basketball. Without any Division I offers his senior year, Jones went to a showcase and met with Fishburne Military School. He agreed to play there and later enrolled early at UVA in January 2012.
Jones has shown flashes of the player he wants to be in his first year. When starting guard Jontel Evans was hurt early in the year, Jones was given the keys to the car. He hit two 3-pointers against North Carolina and logged 13 points and four assists against North Texas in November.
"My role then was just to bring energy, play defense and score when I had to," Jones said. "I'm used to getting everybody involved and I like doing that, but I hope one day I can get that green light."
There was a freshman wall midseason but he stormed the court with teammates and students in a victory over Duke, UVA's signature win.
"It's been fun," Jones said. "It has its ups and its downs. I've been getting good experience as the season's gone on."
During the summer before 10th grade Jones broke his thumb and had it in a cast. He watched the football team practice and caught the bug. Jones flourished and got big-time offers to play college football.
Fortunately his 4.43 speed in the 40-yard dash and 331/2-inch vertical jump were skills that transferred to the court as well. After football ended his senior year, Jones came out and averaged 29 points in the first four games.
Fishburne, a post-graduate school in Waynesboro, Va., gave Jones more exposure against schools like Hargrave and Oak Hill.
"Just being there and getting that notoriety was amazing," Jones said.
Virginia saw Jones at an AAU Tournament in Charlotte. Jones posted a double-double in two early games and caught the eye of UVA representatives.
Tony Bennett's Cavs had two players, KT Harrell and James Johnson, transfer from that year's class and needed some more talent to fill a void. Jones got an offer from UVA in September and signed in Novermber, joining the Cavs a few months later.
"I had never gotten that type of attention before," Jones said. "It was amazing to get that from the ACC."
After Friday's loss to N.C. State, Virginia sat in NCAA Tournament limbo, not unlike Jones did with football and basketball. The Cavs were 21-11 as the ACC's fourth seed. Jones sat in the locker room reflecting on his first year as an ACC player, hoping it didn't end in Greensboro. Jones got in for the final two minutes and hit his only shot from the field.
"We had some big wins," Jones said. "Hopefully on selection Sunday we'll get selected. Whether it's the NCAA Tournament or the NIT I just want the season to continue."
Jones, a single child, still calls his mom in Kannapolis routinely. His friend Keeon Johnson will be in Charlottes ville soon after signing with the Cavs for football.


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Over 20 years ago we founded a company built on a simple formula: performance and quality. Performance means constant innovation to achieve the right actions for the job. Decades of first hand knowledge and input from knowledgeable fishermen, from top Pros to local guides, means every rod is fine tuned for the job at hand whether it's the new LowRider 10XD crankbait rod, pitching a jig, or working a tout tail. Quality starts with the finest components and materials in the world: American-made aviation grade carbon fiber and Fuji guides and reel seats. But quality doesn't stop with components. Experience and craftsmanship counts. Our American-made rods are built by the same craftsmen who developed some of our early proprietary blank designs when Falcon started in 1990.
This year we are proud to recognize Jason Christie's achievements with a new signature line of rods. Being from nearby Park Hill, OK, we have known and supported Jason from the beginning of his career. We've always known him to be a great guy and fishermen but his recent success was truly remarkable--a BASS Elite win in his rookie season, 7th in the Classic, two FLW wins and three more top tens.
While staying true to our roots, we're building for the future.
We appreciate your support. See you on the water!
Latest News
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Peacock Bass


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Main Content
Stay utterly comfy in this Conference Room v-neck tee from O'Neill. It features a fashionable double v-neck collar and distressed "Malibu Miami Waikiki" lettering printed down the front.
- 100% Cotton fabric
- Imported
- Model shown is wearing size XS
- O'Neill screen print
- O'Neill slim fit T-shirt
- Rib-knit double v-neck
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Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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WASHINGTON (AP) — Romney wins Alabama.
Obama: We Need Michelle Nunn to Win So The Democrat Senate Can Advance My Agenda | Katie Pavlich
Report: WH Lied About Releasing Illegal Immigrants Charged With Violent Crimes | Guy Benson
CO Governor's Race Turns into 'Rocky Mountain Slugfest' | Sarah Jean Seman
Cosmological Film 'The Principle' Asks: Are We Significant? | Cortney O'Brien
Yikes: New Hampshire Democrat Holds Pro-Abortion Rally in Front of Halloween Decorations Portraying Death | Katie Pavlich
Obamacare: Largest NC Insurer Announces Double-Digit Premium Increases | Guy Benson
Republicans Take Historic Early Ballot Lead in Iowa | Conn Carroll
Ferguson: Autopsy Suggests Michael Brown Was Reaching For Officer's Firearm | Matt Vespa
Illinois Ballot Machine Changes Votes From Republican to Democrat | Katie Pavlich
Security Beefed Up in Washington D.C. After Terror Attacks in Canada | Katie Pavlich
In Politics, Patience Isn't Overrated – But Loyalty Often Is
| Jeff Jacoby
What "Winning the Senate" Means
| Rich Galen
The Challenge: Harried by Time
| Rebecca Hagelin
Five Compromises Obama Should Embrace to Boost the Economy
| Peter Morici
The Power of Positive Beliefs
| Jackie Gingrich Cushman
Our New Missiles of October
| Victor Davis Hanson
Dear Monica
| Derek Hunter
Iraq's WMD: The Shameless New York Times Moves the Goalposts
| Larry Elder
Chilling Free Speech
| Judge Andrew Napolitano
WaPo factchecker to Grimes: You should be ashamed of yourself | Ed Morrissey
Crumble: Wendy Davis trails by 16, down two among women, leads by just two with Latinos | Allahpundit
Circular firing squad: Democrats ready to dump on Obama if they lose the Senate | Noah Rothman
US training Syrian opposition for defense only against ISIS | Ed Morrissey
Video: Who's up for another lecture from Shep Smith about how to properly react to a crisis? | Allahpundit
Video: Canada shooter was in contact with "individuals in Syria" | Ed Morrissey
Sen. Cruz: Dems May Hold Senate
WH to Reporters Asking About Green Card 'Paper' Supplies Order: 'This is Crazy'
Al Sharpton On Canada Shooting: 'What's The Latest Tonight In Iowa?'
Raw Video: Shooting Inside Canadian Parliament
MSNBC Uses Canadian Parliament Attack to Push Gun Control
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The Linux Fish!
- An interesting variation on the typical fish
- The fin suggests Linux is streamlined
- Plastic with adhesive or magnetic backing (your choice)
The Linux fish. Of course you'll get some awkward stares from clueless passersby when you are driving down the freeway with this chrome plated fish on your car. But for now, consider the Linux fish a secret handshake between fellow devotees.
What is that fin for? To suggest the rugged yet streamlined characteristics of the Linux/GNU OS. And to suggest that Linux/GNU is at the top of the food chain, lurking beneath the surface, hunting something. What is it hunting for? That's quite subjective. A couple of things come to mind: recognition, perfection, Microsoft...
Or maybe it's just because Linus is a Finn. *rimshot*
Plastic emblem with magnetic backing: 4 3/4 inches wide, 2 inches tall. Chrome and black. Linux is a registered trademark of Linus Torvalds.
Wanna chat about it?
Have questions about The Linux Fish! or your order? We monitor these comments daily, but it may be faster to email us directly or call us at 1-888-GEEKSTUFF.


text: AKG K551 Around-the-ear headphones (Black) Zoom Front Available in black or white Earcups rotate for easy storage Photos Videos Item #: 039K551S Be the first to write a review In Stock Free Crutchfield lifetime tech support Free Shipping Your price $299.99 Available options: Black-$299.99 White-$299.99 Add to cart + Add to wishlist Email me alerts for this product $269.99 Open Box $254.99 Scratch & Dent Buy this item and earn up to 300 Rewards points See more offers and ways to save Special Financing Available x By buying this product you'll earn up to 300 Rewards points. When you sign up for a Crutchfield account, you'll be enrolled in Crutchfield Rewards. You'll earn one point for every dollar you spend on gear from us. You can turn your points into Rewards Cards that you can use toward future purchases. You can sign up for an account now, or after you complete your purchase (you'll get credit for the points either way). Sign up for a Crutchfield account Overview Details Staff Reviews Customer Reviews Q&A Articles & Videos Accessories Our take on the AKG K551 by David Brown The AKG K551 headphones with in-line remote and microphone are available in black or white with silver accents. Crystal-clear sound doesn't have to stay at home You want exquisitely detailed, well-balanced sound. You want long-lasting comfort. And you want it to go. AKG has just the recipe with its K551 reference-class headphones. A leader in headphone technology for more than 60 years, AKG designed the K551 to deliver clear, even sound for high-end performance that will please critical listeners as well as casual music lovers. The large 50mm drivers are housed in closed earcups, so all those musical intricacies stay sealed in, while external noise is kept to a minimum. That way, you can hear all the fine high-frequency detail that these transparent headphones deliver. An iPhone®-friendly remote The closed back design is not the only benefit for listeners who want to take these headphones out and about. AKG has equipped the 4-foot cable with an in-line remote for easy control of music playback and volume. Skip tracks, pause and play, or turn up the volume with the press of a button, while your iPhone or iPod® remains securely in your pocket or bag. The remote also features a built-in microphone for taking calls on your iPhone, with easy one-touch answer and hang-up capabilities. The K551's soft ear cushions provide enough comfort to keep you listening for long periods, whether you're livening up your day at the office, or spending a quiet evening at home rediscovering your music collection. These headphones offer a great combination of comfort, durability, and sleek looks you'll enjoy wearing. See more info on this item Highlights:around-the-ear, closed-back designlarge cushioned earcups and adjustable headbandlarge 50mm drivers for a realistic soundstage and powerful sound3-button in-line remote for music and volume control of iPhone®, iPod® and iPad®built-in microphone for taking calls on iPhone2D-Axis fold-flat design for easier storage and transportation44" single-sided cord with miniplugfrequency response: 12-28,000 Hzsensitivity: 114 dBimpedance: 32 ohmsweight: 10.76 oz.warranty: 1 yearOur 60-day money-back guarantee Hands-on research from the Crutchfield Labs (what are the Labs?) Features and specs chart | What's in the box? | In-depth notes Features and Specs General Fit Style Around-the-Ear Earcup Type Closed Noise-canceling No Bluetooth No Frequency Response 12-28k Hz Sensitivity 32 dB Impedance 114 Ohms Weight 10.76 ounces Cord Length 44" Airline Adapter Included No iPod Control Yes Volume Control Yes Built-in Microphone Yes Parts Warranty 1 Year Labor Warranty 1 Year Product Research What's in the box? Download owner's manual Black over-ear headphones with attached 44" cord with in-line remote and microphone (3.5mm plug) Attention! sheet Warranty Card Remote diagram Environmental declaration Our Product Research Team At Crutchfield, you'll get detailed, accurate information that's hard to find elsewhere. That's because we have our own in-house Product Research team — they open the box, verify contents, check the owner's manual, and record dimensions, features and specs. We stay on top of new products and technologies to help people make informed choices. Features Reference-class Headphones: The AKG K551 over-the-ear headphones combine the advantages of closed-back headphones (no sound leakage for a truly private experience) with the open sound of open-backs (typical speaker sound); making it ideal for both home and street use. Real Image Engineering: Real Image Engineering is the scientifically defines the actual soundstage inside the space between your ears and the K551 headphones. The soundstage is large and accurate, with a realistic sense of width, distance, and depth. 50mm Driver: The 50mm (2'') driver, the biggest driver in the AKG headphone range, delivers a realistic soundstage far beyond what other headphones typically deliver. Comfortable Fit: With large over-the-ear cups and a new, lightweight adjustable headband design, the K551 offers an amazing, comfortable fit allowing for hours of continuous listening. Single-Sided Cable: The single-sided, 99.99% oxygen-free cable provides pure sound transmission. The headphone cable is terminated by a straight 3.5mm gold-plated connector. In-line Remote/Microphone: The K551s feature a 44" cord with an in-line remote control/microphone. The microphone is located close to your mouth, so your calls are clear and noise-free. The 3-button remote lets you control the playback functions (center button) and volume (outer buttons) from your iPhone, iPad, and iPod, plus Apple laptops and desktop computers. 2D-Axis Folding Design: The AKG K551 features a unique 2D-Axis folding mechanism for ease of handling, storing, and transporting. Product reviews from the Crutchfield Labs (what are the Labs?) Video: AKG 2013 Headphones Video: AKG 2013 Headphones by Zak Billmeier AKG brings more than 60 years of audio expertise to the table, and it shows in their 2013 line of headphones. Get the lowdown from the AKG booth at CES 2013. Be the first to review this product Submit a review and then enter to win a $500 rewards card Review this product: Thanks for taking the time to share your experiences about this product. Please be sure to focus your comments on the product itself. Read our Review Guidelines for more information. Review title * Email Your email won't be visible. Please use the email address that is associated with your order. Display name (e.g., JohnD) Your review will be signed using the display name and location * Your location (e.g., Charlottesville, VA) * Your rating Click on a star to rate the overall product on a scale of 1-5 Rate the following specific attributes Sound Quality "Coolness Factor" Build Quality Comfort Noise Reduction 1500 characters left * Your review Attach a YouTube Review Crutchfield Video Review Guidelines Only submit videos that you made or are authorized to use. Do not submit videos that contain music, video or visuals that are copyrighted and belong to someone else. Please see our Review Guidelines for more information. Submit the URL of your YouTube™ video review or product demonstration. e.g., "http://www.youtube.com/v/o79TWHh598U" 500 characters left Pros 500 characters left Cons * Agree to Terms By checking this box you agree your review becomes the property of Crutchfield, that you are over 18 years of age, that you own or have owned this product, and that you are located within the United States or its territories. Please see our Review Guidelines for more information. We reserve the right (but are not obligated to) review all submissions and edit or remove any review in any manner which we deem necessary. Your review should be posted within seven days. Add accessories for the AKG K551 Add Accessories Add a Warranty Get better sound from your headphones with a dedicated headphone amp. See all categories & accessories Get better sound from your headphones with a dedicated headphone amp. Headphone Amplifiers Improve the sound from your digital audio sources. All DACs Pro-Ject Head Box S Headphone amplifier (Black) Options Black-$159.99 Silver-$159.99 Headphone amplifier (Black) Headphone amplifier (Silver) 10 people say Your Price: $159.99 Add to Cart HiFiMAN EF5 Vacuum tube headphone amplifier 1 person says Your Price: $499.99 Add to Cart HiFiMAN EF-6 Headphone amplifier Your Price: $1,599.99 Add to Cart Audioengine D1 Digital-to-analog converter/headphone amplifier 62 people say Your Price: $169.99 Add to Cart Arcam rPac USB digital-to-analog converter/headphone amplifier 3 people say Your Price: $249.99 Add to Cart Cambridge Audio DacMagic Plus Stereo digital-to-analog converter/headphone amp/preamp (Black) 16 people say Your Price: $499.99After $100.00 Savings Add to Cart AudioQuest DragonFly® v1.2 Plug-in USB digital-to-analog converter/headphone amplifier 27 people say Your Price: $148.99 Add to Cart Cambridge Audio DAC Magic XS USB digital-to-analog converter/headphone amplifier 1 person says Your Price: $189.99 Add to Cart Audioengine D3 Plug-in USB digital-to-analog converter/headphone amplifier 3 people say Your Price: $149.99After $40.00 Savings Add to Cart Why choose SquareTrade? The #1-Rated Protection Plan Thousands of people have reviewed SquareTrade Protection Plans — and made us #1. 5-Day Service Guarantee & Free Shipping We'll repair or replace your item in five business days or less after we've received it, or your plan is free. And, as always, we pay for all shipping. Protection from Normal, Everyday Use Repairing your average mechanical or electrical failure can cost as much as buying a new device. With SquareTrade, you're covered — including parts and labor. Protection from Drops, Spills & You Drop it? Spill on it? Run over it? No worries. We cover accidents caused by you and people you know. 2 Year Protection Plan with Drops & Spills coverage Your Price: $46.99 Add to Cart 3 Year Protection Plan with Drops & Spills coverage Your Price: $54.99 Add to Cart For a more in-depth review and enhanced detailed information on the AKG K551, please visit the Crutchfield website product page (/ISEO-rccbcspd/p_039K551S/AKG-K551-Black.html ). × Front Available in black or white Earcups rotate for easy storage Searches related to the AKG K551 Around-the-ear headphones AKG AKG Headphones Headphones under $300 AKG K551 vs Bose® QuietComfort® 25 Acoustic Noise Cancelling® headphones AKG K551 vs Bose® QuietComfort® 20i Acoustic Noise Cancelling® headphones AKG K551 vs PSB M4U 1 AKG K551 vs Sennheiser Urbanite XL