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Roth IRA Loophole: Everyone Can Qualify in 2010
This is not really new news, but I thought it was interesting enough to share broadly. Since it's about saving for retirement, hopefully some of you out there will get some benefit from this information.
Om May 17, 2006, President Bush signed the Tax Increase Prevention and Reconciliation Act of 2005 (TIPRA). It's very likely that this news didn't really get your attention, but if you are an active saver for retirement, it should.
One of the best innovations for retirement savings in the last ten years has been the Roth IRA. The Roth IRA is an Individual Retirement Account, and like other IRAs, it is a special type of account with tax advantages to help people save for their retirement.
The magic of the Roth IRA is that it turns the tax liability for normal IRAs on its head. Most retirement accounts, like 401Ks and IRAs allow you to put money into the account, and deduct the contributions from your income. Your savings then gets to build, tax-free, until you retire. You think have to pay full income tax on the withdrawals.
This is a big benefit, and a great way to help save for retirement. However, the Roth IRA improves on this quite a bit.
With a Roth IRA, you do not get the deduction up front. In fact, you can only fund a Roth IRA with post-tax money. However, the magic is, once it goes in a Roth IRA, you will never pay taxes on it again – or the gains. For a young person in their 20s and 30s, this is an amazing way to accumulate wealth over the long term. Roth IRAs also have some tax benefits for estate planning.
Sounds good, right? In fact, there is only one big problem with the Roth IRA. It's a benefit that isn't available to people who make higher incomes. The limits of the program are that you must make less than $95K as an individual, or $150K married, to either contribute or convert an existing IRA to a Roth IRA.
Here's where the loophole comes in.
As part of the tax act, Congress has officially abolished the income limits for Roth IRA conversion in 2010. That means you will able to convert existing IRAs into Roth IRAs, regardless of income. You can't contribute to a Roth IRA if your income is too high, but you can convert an existing IRA.
"Great," you say. "Hooray for 2010." But this is where the loophole comes in.
You can start funding your regular, non-deductible IRAs this year, in 2006. You can continue to do this in 2007, 2008 & 2009. Then in 2010, you can convert all of these funds over to the Roth IRA. And since the non-deductible IRA is funded with after-tax money, you will only have to pay a small amount of tax on the conversion based on the gains from 2006 to 2010.
This is a fantastic window to convert a sizeable amount of savings into a Roth IRA, even if Congress only keeps this window open for one year.
Some people might ask, why would Congress offer this great incentive? Actually, it was done to help bring in revenue in the short term. This opening in 2010 will draw a lot of money into the Roth IRA program, which will generate a lot of taxes in 2010 as people convert their funds over. Because our government tends to only focus on the short term (5-10 years), this looks like a gain because the lower tax revenue from the Roth accounts doesn't hit for decades.
Everyone's financial situation is different, but if you've been interested in Roth IRA accounts, and you've been unable to participate, your window is now open.
Here is another article I found on the same topic.
There is a huge problem with this strategy that very few people talk about. If you already have a traditional IRA, that amount will be included as a prorated portion of the amount converted in 2010. In other words, you are not only going to pay taxes on the gain from the nondeductible contributions from now until 2010. You are going to have to pay taxes on a prorated amount given whatever your total IRA assets are and the cost basis. Example — you contribute $5000 per year for 4 years in a nondeductible IRA. That amount grows to $25,000. This means there is $5000 worth of gain; however, you have another IRA that is made up of completely tax deferred assets (maybe from a rollover). Let's say this is $80,000. This makes your total IRA assets $105,000 with a cost basis of $20,000. The proportion of cost basis to taxable gain is 19%. If you were to convert only the IRA that contained the nondeductible IRA contributions, you would still owe tax on 81% of the amount converted. Sorry to burst the bubble of joy for some folks out there.
ToddJune 23, 2007
I will answer both issues you raised here.
1. If the $80,000 IRA is deductible (whether from a rollover of a qualified plan or from contributions that were qualified as deductible), then there is no cost basis. Every dime distributed will be taxable at your marginal rate. I guess we could say that the cost basis is actually $0. 🙂
2. I do not have the energy to look up the IRS pub. on this topic. Maybe I will if I get bored. Instead I will quote an article on http://www.fairmark.com/rothira/partial.htm
"Consequences of a Partial Conversion
If all of your contributions to your traditional IRA were deductible (or were rollovers from employer plans such as 401k plans), your partial conversion is fully taxable. The taxable amount is determined as of the date of the conversion. For example, if you transfer XYZ stock on December 15, the value of XYZ stock on that day will determine the amount of income you report from the partial conversion.
If you made nondeductible contributions to a traditional IRA at any time in the past, and haven't previously withdrawn the nondeductible contributions, then your partial conversion will be partly nontaxable. The rules that apply here are the same as for any distribution from a traditional IRA. You treat all traditional IRAs as a single IRA, so you don't get a different result depending on which IRA you convert. You add up the total value of all traditional IRAs and also the total amount of nondeductible contributions to those IRAs to determine what percentage of the conversion amount is taxable. For example, if 60% of your IRA balance comes from nondeductible contributions and you convert $8,000 of that IRA, you'll report $3,200 of income from the conversion (40% of $8,000).
It would be nice if you could specify that you're converting only the nontaxable portion. The rules don't let you do that. " — Kaye Thomas
This addresses specifically what the issue is.
I hope that helps. If you need anything else regarding this, feel free to email me. If I get really excited, I'll try to find the actually IRS guidance on it.
ToddJune 25, 2007
Steve #
Great info…
But what about 401K assests in general.
What if instead of taking a roll over to my IRA, I rolled an old employer 401K into my new employer 401K?September 23, 2007
A major reason to consider rolling over one employer plan to another is the potential to access money via a loan. This is not something I would usually recommend, but it is a reason some people would find helpful.October 1, 2007
John Peck #
I've read IRS Pub 590 and this discussion and it seems that only amounts in pre-existing *Traditional IRAs* encumber the partial conversion strategy.
Suppose I have made fully non-deductable contributions to Traditional IRAs starting in 2007. Then in 2010, I convert the balances in only these Traditional IRAs (call them *Set A*) to Roth IRAs.
1. If one rolls over a 401k (funded with fully deductable employee contributions) to a new *rollover IRA*, is this new rollover IRA considered a Traditional IRA and thus affects the taxable amount during a partial conversion of only Set A to Roth IRAs in 2010?
2. Are *SEP-IRAs* (funded only by fully deductable employer contributions) considered to be Traditional IRAs and thus affect the taxable amount during partial conversion of only Set A to Roth IRAs in 2010?
3. If one performs a trustee-to-trustee asset transfer between a *401k* (funded with fully deductable employee contributions) to a pre-existing *SEP-IRA* (funded only by fully deductable employer contributions), is the SEP-IRA considered to be a Traditional IRA and thus affects the taxable amount during a partial conversion of only Set A to Roth IRAs in 2010?
4. If one has a Traditional IRAs (made with fully deductable contributions) and rolls them over to an "eligible retirement plan" (IRS Pub 590, 2006, p.23) does this effectively escape the amounts in these now non-extant Traditional IRAs from affecting the taxable amount during a partial conversion of only Set A to Roth IRAs in 2010?
JohnJanuary 2, 2008
John, did you find out if your current 401K balance is used in the basis calculations? i.e. in this scenario:
1) 401K account with $50000
2) Traditional IRA with $10000 in deductible contributions (rollover from previous 401K).
3) Another Traditional IRA with $8000 in non-deductible contributions made i.e. Basis = $8000. Assume no appreciation.
i.e. total money in IRA + 401K = $70000
Now, if I were to roll over all of (3) to a new Roth IRA account, would I pay no tax as Basis in this IRA = 100% of account value or tax on 1 – (8000/20000) = 60% of $20000 or would I pay tax on 1 – (8000/70000) = 88.6% of $20000?
I wonder if Turbo Tax has a treatment on it. I will try it.January 7, 2008
Douglas #
I have a quick question-
if I do not have an IRA or Roth IRA now – is it in my best interest to set up an IRA no and convert it to a roth in 2010. I make too much money to open a Roth IRA now
ThanksMarch 19, 2008
What about non-deductible IRA contributions made before 2006 when law was enacted? For simplicity, let's assume the following scenario: A person makes $1000 contribution to a non-deductible IRA from 2005 to 2010. Assume no gains made during the period. In 2010, could the entire account balance be converted to a Roth IRA or would the $1000 contribution made in 2005 have to be left behind in the non-deductible (regular) IRA account?April 22, 2008
I hadn't checked the thread in a while. I love the fact that this got everybody's gears a turnin'.
A basical rule of thumb (and remember that my thumb is probably bigger than your thumb so there really are no rules) is to try to get your total retirement assets to look like the following:
-30% taxable (nonqualified investments)
-30% nontaxable (Roth IRA, Roth 401k, munis, cash value life, tax credit realestate, etc…)
-40% tax deferred (pension, IRA, 401k, 403b, etc…)
If your current pool doesn't look like this because you have mainly been adding to your 401k (like almost everyone) and you cannot contribute to a Roth IRA, then a conversion may just be the cup of tea for you. Talk to a tax advisor.
Take Care,
ToddJune 18, 2008
I pray for people that are only retiring with $400k in retirement assets. Actually, I pray for them and for me, because I know that the government will probably tax me more to help pay for the fact that so many people live for today and do not save enough.
We are on a slow slide towards socialism. With 42 million households not even paying income tax, there are fewer and fewer people to shoulder the burden. I look for a tax on wealth to be proposed in the not-too-distant future. Imagine the beauty of it — "we will only tax those horrible rich people with $1 million in retirement accounts. And we will only tax that $1 million at 1%. And we will only do it this one time." It is a bit like 1913 when our government adopted the income tax system and promised to tax the top 1% of earners only. Look where we are now.
I think the real beauty would be if the government decides to keep making it attractive to save or convert into Roth-like accounts. They get all this great tax revenue now. Then they can pull a switcheroo and adopt a national sales tax or VAT. Then they could tax all the Roth income through your consumption. I shouldn't talk about that too much. It might give them ideas.
Sorry for the rant, but my point is basically that there is no way to really predict what our government is going to decide to do in the future. Since we really don't know, we should try to diversify the way we "think" our asset growth will be taxed in the future. Put money into every bucket. Maybe then you will have at least some control.
Rome fell when the people figured out they could vote themselves breads and circuses. I hope the people of the US wake up soon.
ToddJune 25, 2008
Anthony – yes, you can use other funds. But before you do anything, run the numbers. See my prior post, and consider where you will be at retirement vs where you are now (I mean tax bracket).
JoeJune 26, 2008
Katharine #
When doing a partial conversion, what is the thinking about which types of assets should remain in the traditional IRA and which types should be transferred to the Roth? Does it matter?July 10, 2008
James #
So do I understand this correctly – a 401K balance that was placed into a rollover IRA will be eligible for conversion to a Roth in 2010 – regardless of income level?October 7, 2008
I stumbled upon this thread while Googling options to convert my old 401K into IRA to roll over to Roth in 2010. I do not quite entirely follow the nuances but basically am looking at the following: do I convert my 401K into a T-IRA now or wait until 2010 to convert to Roth or keep the money in the 401K? I make more than the current limit to invest in a Roth IRA today and do not have any other T-IRAs open.
Any advice will be appreciated.
Thanks for the great thread…it is one of the better ones that I have come acrossNovember 6, 2008
Roy #
Joe, thanks for the response…no I do not have any IRAs funded with post tax money. I don't have any IRAs today. There is some money in my old employer's 401K that I want to rollover but unsure if that can be done now or in 2010. – RoyNovember 10, 2008
Tom Mac #
Question: I rolled a $2000 401(k) into an IRA (1999). This money was lost. I have since contributed max possible money from 2006-2009. Lets say the recent contributions are even. My nondeduct contribution is ~$18,000 and my deduct contribution is $2000 but my total value is $18000. Do I still owe tax on the $2000 cost basis even though it is lost?
Question 2: Is this IRA Roth Conversion only possible in 2010?
TomDecember 4, 2009
Not Ready To Retire #
My current 401K does not have a Roth option. I was told my options are to retire to distribute the money to a Roth 401K. How do you get money out of a 401K into a Roth in 2010?December 15, 2009
Laura #
Is there any income limit or contribution limit to contribute to non-deductible IRA?December 29, 2009
Tom Mac #
Laura — You can contribute post tax dollars to a traditional IRA (non deductible) at any income level. A Roth IRA has an income level cap. In 2009 and 2010, the contribution limit for either is $5000 or $6000 for catch up contributions.
–TomJanuary 30, 2010
Hashim #
You can start funding your regular, non-deductible IRAs this year, in 2006. You can continue to do this in 2007, 2008 & 2009. Then in 2010, you can convert all of these funds over to the Roth IRA. And since the non-deductible IRA is funded with after-tax money, you will only have to pay a small amount of tax on the conversion based on the gains from 2006 to 2010.
Your point above is interesting because most people did not make gains on investments from 2008 to 2009, in fact they lost a huge chunk of their investments. So in fact from your tax return for 2010, you would be declaring a capital loss on your non-deductible IRA investments from 2006 to 2010 (assuming you did incur a loss). Here's a good example from http://www.definerothira.com
According to the IRS, you have a tax loss from your traditional IRAs when the following conditions are met:
* You liquidate all the traditional IRAs set up in your name.
* Your total tax basis in the accounts — which equals the sum of your nondeductible contributions (if any) — exceeds the liquidation proceeds. Since you only get tax basis from nondeductible contributions, it's fairly unlikely that you'll have a tax loss even if you've lost your shirt. However, it can happen (as example 1 below illustrates)August 30, 2010
Hello useful points.. now why didn't i think of these? Off subject somewhat, is this page pattern merely from a standard set up or do you employ a customized pattern. I have a very good website i will be aiming to perk up and so the visuals is likely one of the number one things to undertake on my list.October 8, 2010
Would I be better with a SEP? With SEP IRA contributions so much higher, I could rapidly build savings.October 31, 2010


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Band history still to come.
More Reviews Current Updates Print article Rating explanation
What with this gem and their other release "The Edge" being two ass-kicking albums of extremely heavy, dark Progressive Metal with lots of crunch to those guitars and the keyboards adding a nice atmospheric element to the sound (has to be heard to be believed). Organizations like this, whether anybody gets to hear them or not, fill the void left by old TAD MOROSE and CONCEPTION. Lead Screamer Anders Engberg is a dead ringer for Kristian Andrén (TAD MOROSE, WUTHERING HEIGHTS, FIFTH REASON), never allowing you to believe he was once in LIONS SHARE. His vocals are some of the best I've heard in Metal, they are that damn good.
Very promising stuff, from a band that has now changed their name to BEYOND TWILIGHT and are signed to German Massacre Records. I'll keep my eyes and ears open.


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Seeing as New Moon will be on our screens in the not too distant future, I thought this would be a cool discussion.
These are the big scenes I'd like to see in the movie:
- Jasper's attack, obv.
- Bella & Jessica at Port Angeles, when Bells first hears Edward's voice
- Bella and Jake riding motorbikes
- Cliff diving
- Aro being very enthusiastic - seriously, if he's not well casted, I will b…
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– From University of Oregon athletics
TUCSON, Ariz. – Senior Alex Keudell held the conference's top hitting team to just one run in nine innings, as the right-hander spurred No.10 Oregon to a 6-1 victory over No. 11 Arizona on Friday night at Hi Corbett Field.
Keudell (8-3) tossed his third complete game of the year, holding the Wildcats (29-14, 12-7) to one run on seven hits while matching a season-high seven strikeouts. The native of Portland, Ore., has now won seven consecutive starts.Oregon's offense scored six runs on 13 hits, as reigning Pac-12 Player of the Week Aaron Payne led the Ducks with a 3-for-4 evening, while knocking in three runs.
The Ducks, currently on a six-game winning streak and in first place in the league standings, totaled 13 hits - the most for the club since registering 15 against West Virginia on March 10.
Arizona's Kurt Heyer (8-2) took the loss, allowing five runs (three earned) as the Ducks tallied 12 hits off the right-hander while he issued one walk and struck out five.
Payne gave Oregon a 2-0 lead in the top of the second with a two-out, two-run single lined into right field. Payne battled back from a 0-2 count, and drove in Ryan Hambright and Brett Hambright, who led off the inning with back-to-back singles.
A Kyle Garlick RBI single pushed Oregon ahead 3-0 in the third as Ryon Healy scored from second on the play after reaching on a single and moving to second on a sacrifice.
Oregon took advantage of an error in the sixth that kept the top of the inning alive as the Ducks had runners on the corners with two outs. Payne took advantage of another two-out opportunity, driving in Connor Hofmann with a single to right. Aaron Jones then drove in his team-leading 32nd RBI of the year, as Kevin Shepherd scored on a single to left.
After throwing six shutout innings, Arizona finally roughed up Keudell in the bottom of the seventh, scoring one run on three hits. A two-out double from Bobby Brown kept the inning moving for the Wildcats, and Riley Moore's RBI single to center scored Arizona's first and only run of the game. Another base hit followed by an error on the play put runners on second and third, but Joseph Maggi grounded out to Shepherd for the final out to limit the damage.
Keudell did not give up his first hit of the game until Brown's two-out single into right center in the bottom of the fifth. An Arizona runner did not get into scoring position until the sixth, and with runners on the corners and two outs, Keudell fanned Alex Mejia.
Healy scored Oregon's sixth run with a solo home run off Wildcat reliever Mathew Troupe in the ninth. Healy finished his day with a 2-for-5 effort.Brown and Johnny Field led Arizona with two hits apiece.
The Wildcats and Ducks will play game two of the series from Hi Corbett Field at 6 p.m. on Saturday.
Notes: Oregon extends its win streak to six games and remains in first place in the Pac-12 conference standings…in his last seven starts, Keudell is 7-0 with a 0.95 ERA. He has tossed three completes games and in 57 innings has allowed just six runs while holding opposing batters to a .205 clip. Keudell's 20 career wins rank second all-time…Ryon Healy's home run was his third of the season and the ninth of the year hit at Hi Corbett Field…Oregon's 13 hits were the club's most against a Pac-12 opponent this season and the most for the club since totaling 15 in 12-0 win over West Virginia on March 10…Oregon has now totaled 76 two-RBIs in 2012…Kyle Garlick has seven RBIs in UO's last four games, while Aaron Payne has nine in Oregon's last six games.


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I have to tell you, if what looked like it was about to happen had actually happened last night, I don't know that I would've been able to stagger to the keyboard this morning. That was a close one. Losing Russell and sending SAS to the precipice in the same episode? Not sure my heart (or CBS' colder, blacker heart) could've survived that. As it stands, losing an old, entertaining friend like Russell is a blow that nobody was prepared for this early, but thankfully we've made a newer, infinitely more psychotic friend in SAS and – even more thankfully – Boston Rob likes having a chucklehead like Phil in his back pocket, so this season's laugh track is safe … for now.
Last night's episode was like a two-for-one jam-packed with intensity, so let's heed Mike's advice and try to pull this out, OK?
Russell to the IR … I mean RI
So Russell waddles over to Redemption Island and faces Steve's dastardly surprise.
Wait a second! They told Russell Francesca won. But it's not 'Cesca, "it's this other kid." Yup, he took it hard, alright. More importantly, Russ lets us know "I wanted to bitchslap every single one of them" for throwing the challenge and he's intent on working his way back there so that he can say:
"Sleep in the mud, fool."
I was expecting more of a cutthroat homerun from you, buddy. That quote is more of an infield single. But no worries, because…
SAS's "special area" now showing at Ometepe Beach
As everyone desperately clings to the final winks of their standard terrible night's sleep on a bamboo nightmare, SAS is kick starting his morning routine of … sweeping the surrounding dirt with a makeshift broom.
What's he wearing, Rob? "Saggy bottom panties." Good, good. Any other synonyms you'd like to throw out? "Pink tighty whities." OK, kind of an oxymoron, but we'll take it.
CBS deals with this situation by just blurring out anything in the general vicinity of SAS's special area; we can only hope that's a safety precaution and not an indicator that Phil's twig and berries are no longer undercover.
But BRob's referring to the "stuff hanging out" as being "not only disturbing, but disgusting." I guess that means SAS is going for full disclosure these days. Girls, anything to add? Oh I'm sorry, I see that you're visibly and openly retching instead (yes, they were) so I'll leave you to that. They wrap up their gag session by bursting out laughing at SAS passionately and futilely hunting crabs. This poor bastard.
One for "criminal," please
SAS is taking this all in stride because he knows "these young people" don't know whether to take him for a criminal or a schoolteacher. "They don't understand me." Well, if you're only giving us two options, Phil, that "Schoolteacher" ballot box is going to be empty. I promise.
But he knows it's a social game and the perception of him is a huge disadvantage, so there has to be another side of him that emerges. Uh oh, stop the presses, everyone. Sounds like a certain somebody is finally "getting it"! So what new side are you going to show them, Phil?
"The guy that's undercover." Oh … that. Never mind, everybody. He still doesn't get it.
And that's the way I like it.
Ralphie might need bigger britches
Apparently brimming with confidence after successfully executing Russell's exile, Ralph decides it's time to make his first huge mistake in the game by letting everyone know he has the immunity idol.
Sarita responds with a series of goofy convulsions and everyone basically just has a slaphappy giggling party. For reasons I don't fully understand, they really are tickled as pink as SAS's lingerie. Ralph says he has them eating out of the palm of his hand.
Weellll, that's not EXACTLY how he put it.
"Now I think I've got 'em captured … I didn't want them straying off from me."
CBS calls in S.W.A.T. on standby, just in case Ralph decides to go Buffalo Bill on Zapatera.
Soooooo, who's going to watch the duel?
Tree mail basically instructs the tribes to decide amongst themselves what pair is going to be sent to Redemption Island to view the duel between Russell and Matt. They even offer the suggestion of using "Rochambeau" to decide, which I found out is Rock, Paper, Scissors. News to me. Rochambeau?! If I ever hear anyone say that to me in real life, I'll opt for either the rock to the base of the skull or the scissors to the eye.
Now I'm not going to tell you who actually went to RI from Boston Rob's tribe. I'm going to leave you with one vague clue and then you can play a guessing game amongst yourselves as to who it was. Here's the only hint I'm giving you, and then you're on your own:
"I definitely want to visit Redemption Island because of my background as a special agent with the United States government. I'm looking for a little intel to help me win this game."
Meanwhile, Steve has a giant patch/bandage on the back of his left shoulder. Has he recently had a boil lanced? Discuss.
The Duel
Russell already told us he'll be fighting for the right to tell all the bitches who quit on him to "Sleep in the mud, fool." What about you, Matt? What vengeful thoughts have been eating away at you?
"I'm fighting to honor my God." Oh right, that. Forget I asked.
What follows is an AWESOME challenge that's basically a giant version of dominoes. It's super-cool and super-intense and Jeff Probst sums it up accurately when he says, "You can't ask for more from a million-dollar duel!" Hard to disagree. My heart was racing during this one.
Matt writes another chapter in his self-proclaimed underdog story for the ages (which is starting to gain a little steam actually) and downs Russell, who reacts by bursting into tears and pulling his chapeau down over his eyes.
What we're witnessing is a broken man whose entire last two years' worth of life and identity has been tied to the character he created for himself on "Survivor." And now that a group of people had actually gotten to see him play before (a luxury the first two casts he played with never had), he was booted before the game really even began and, in turn, was understandably devastated. And so was I.
I wouldn't want to go camping with Russell (or camping at all), but I've certainly enjoyed watching him ruin the camping experiences of others for two seasons+ on this show.
Love him or hate him, he makes a season hum and has a despicable TV charisma that's unmistakable. And I never even found it despicable. But his tribe wanted nothing to do with it and he ran up against a worthy adversary at "Redemption Island Arena" so his imprint on this season is over.
Or is it?
In one of the great moments in recent Survivor history, Russell predictably decides to vent his frustrations at Sarita and Ralph, seated in the peanut gallery (I'm still not telling you who went from the other team).
He tells Jeff his respect for the game has left him disappointed in the way he was ushered out, his team throwing a challenge with no regard for the competition they're supposedly facing from the other side. When he mentioned the bit about throwing the challenge just to get him out, both Sarita and Ralph looked visibly ashamed of their actions or, at the very least, reflective/contemplative.
"It's hard to be a professional quarterback and have pee wee leaguers on your team. Cuz I gotta run the ball, I gotta catch the ball, I gotta throw the ball, I gotta do everything."
At that point, Ralph had heard enough. Which brings us to…
Ralph's second huge mistake in the first 15 minutes
In an effort to show Russell that they were getting along fine without his quarterbacking, Ralph blabs about the camera crew approaching him and telling him to drop the shiny rocks he was collecting and burrow in the tree stump for the idol instead.
Well, again, that's not EXACTLY how he put it, but he did say he found the idol without a clue within 15 seconds of the game. Understandably, Russell has a hard time believing this and tells Ralph to show him the idol.
Cut to Ralph feverishly rifling through the purse (?) that he apparently brought, trying to produce the idol to bust Russell's ass and send him walking out of Nicaragua with an omelet on his face. And all that I understand. Russell is such an irritant and such a s***-talker, it becomes damn near impossible to take it lying down when you know you have a flamethrower in your holster that will melt his face.
But this is Survivor. It's a game. Composure is king. And Ralph completely lost his. Sarita tries to save him, pleading with him, "Don't do this, Ralph, don't do this" and Ralph finally relents, instead saying something I'm fairly certain I've never heard an adult say:
"I faked you."
OUCH. Jeff motions to Wardrobe to have Ralph fitted for a dunce cap and arranges to have a stool and a sheet-rock corner set up back at camp. What … a … fool!
Russell forces out a fake laugh to make sure it's obvious to Kristina and The Mystery Duel Attendee that Ralph has just been exposed for having the idol, despite his daycare backpedal at the last second.
As Russell trashes Ralph's game-playing skills, Ralph explains to his rivals that he "bluffed" Russell and responds to Jeff's inquiry as to whether or not he was lying by saying, "Could be, could not be." Now, I'm STILL not going to tell you who attended the duel with Kristina, but I'm going to cave and provide you with another nebulous clue:
"It was not a lie! It was not a lie! I earned my living discerning whether or not someone's telling the truth or not."
Ralph interjects, "You're doing great." And then I interject to say that everybody's doing great and that this whole post-duel exchange has been the non-basketball highlight of my week so far. Isn't this great, Mystery Guest?
"You have an idol. You'll probably get an opportunity to use it if I have anything to do with it."
On the heels of the Mystery Guest's outburst, Russell divulges more Zapatera secrets and tells Jeff that he had to stay in this game somehow and will now be doing so vicariously through (motions to the Ometepe onlookers) … drum roll please …
Kristina and … SAS!
Oh, Russell, I guess when it rains, it really does pour. Now that you've officially been eliminated from Survivor for the first time ever, your instincts have eroded before our very eyes. Do your family a favor and don't play the ponies when Triple Crown season rolls around this spring. You'd have a better chance putting your life savings on Zippy Chippy than having your Survivor dreams come to fruition through these two. But, hey, at least your ego has already bounced back:
"Now if their tribe wins and they take out these dummies, more power to me."
With that, Russell leaves us and says, after this experience, he's never playing this game again. What a crock. If they told him he had to sleep on a raft in the middle of the Pacific Ocean until this season was over to ensure that he'd be a part of the next season, he'd already be adrift.
He gives Matt props and then says he hopes he goes all the way. So, if you're scoring at home, he wants to see some combination of SAS, Matt, and Kristina win this thing. That's a last-place entry in a three-legged race if ever there was one.
Beach Days by Boston Rob
With SAS and the Tramp Stamp Advisory Board away at RI, BRob decides he's going to concoct a scheme involving beach fun, a contrived game, and a severe case of constipation in order to locate the immunity idol. Sounds stupid, right?
Well there's stupid and then there's Grant, Natalie, Andrea and friends, so this plan is going to work just fine. As the girls lay out to sun themselves on an overcast day and Grant frolics in the ocean by himself, BRob literally sprints into the woods and starts digging as feverishly for the idol in the dirt as Ralph was for the idol in his purse.
There was no need to dig, of course, because the crew had placed the idol 10 feet high in the crook of a tree trunk, free to blow away in the wind, get knocked off (or hell, eaten) by a monkey, or just generally fall to the ground and get swept away as part of Phil's morning janitorial routine. Regardless, BRob has the idol now and all is well with the world.
Time to trash Russell
As Ralph and Sarita return with the news that Russell is officially history, Julie exalts that he can't come back to bite her and Steve kisses his thumb and grunts out, "See ya, punk." Whoa, Steve. I bet Karl Mecklenburg still has nightmares about your intimidating brand of trash talk.
Not surprisingly, Stephanie rushes to Russ's defense with the newly minted phrase "Now you're going too much." Richard Dawson surveyed 100 people, Stephanie, and all 100 said "far" instead of "much" so your family walks away with no money, much as you will this season.
Mike the Dork chimes in that Russell had to go because he was breaking down the SYNERGY in their tribe. Groan. Mike, you are so dull and corny.
SAS leverages information in a high-stakes international arms deal
Catchy heading, huh? Really Phil just thinks he can parlay the intel he got from Russell into having Kristina be maybe the fourth-next person voted off instead of being the very next person voted off. Pretty sweet, eh, K-Dog? They didn't call him "that vagrant loitering outside the federal building" for nothing.
"Well you have experience in these covert matters, Phil, so whatever you think."
Poor SAS and lucky us. You can LITERALLY talk to SAS like he's "special" (not the kind of special that precedes the word "agent") and he's none the wiser. Everyone patronizes him like he's a little kid with Elmer's glue caked on the corners of his mouth and SAS responds by saying, "OK, I'll see if I can get you moved up on the list." He's just precious.
In a terrific turn of events, Kristina has apparently taken to calling Phil "The Specialist."
"The Specialist thinks he's running the show but The Specialist is just one, big windbag."
I LOVE "The Specialist." Nice work, Kristina! I'll pay for your first order of Wrecking Balm.
The Specialist puts on a skit
Cut to SAS arriving at camp and launching into a painfully rehearsed recap of the duel that's clearly been winning Oscars in his mind the whole time he was walking back with Kristina and cooking up his blackmail scheme.
Then he pulls Rob and Grant aside and has another drawn out, cumbersome presentation that involves the "big reveal" of the information he's prepared to dangle in exchange for Kristina's safety. Is this the way he shook down Soviet operatives during The Cold War? What do you think, BRob?
"Hey, dumbass, aren't you in my alliance? Don't you work for me? Now you're telling me who I should grant favors to? Big mistake, Phillip."
DAMNNIT! That's what I thought you were going to say. Please keep him on the show. Pretty please?
Rob treats Phil like he just snorted a box of crayons
Wanting to get the info that SAS is plainly desperate to give up, Rob says it "absolutely" would help Kristina's chances. Then he hands Phil a multicolored hat with a propeller on top and gives him the short bus routine:
"This information is very helpful and, what do you think, Grant?" "Yeah, it's extremely helpful."
Even GRANT – GRANT!! – is able to treat SAS like the village idiot and get away with it.
Soooooo, Phil's not so great at recognizing when he's being spoken to like he's the star of this film:
Hey, everyone has their blindspots. And using a saw might just be another one for Phil.
It's time for the shameless Craftsman Challenge!
The tribes have to use a bunch of Craftsman tools to accomplish a bunch of stupid tasks to win immunity and a bunch of food displayed in front of a Sears logo.
Grant attacks this challenge with the horrifying savagery that got him to the NFL, while Phil … well he's just not that slick with a saw. He looks worse than I would out there. Hmmmm, maybe he was better than that, but he was definitely putting the "hack" in "hacksaw."
Regardless, this mofo was coming down to the wire. Both sides were on edge, Ashley and Stephanie frantically attempting to untie the Craftsman hammer as the teams surrounded them on the final platform. Admittedly, it was probably tough to keep your composure. But everyone seemed to be holding it together. Everyone, that is, except Mike. This cat was ready to blow … like any second now …
Purple wins … and Mike is definitely purple
Mike's final instructions paid off, as Stephanie was able to "pull it out" and Ralph smashed a bunch of tiles while Jeff dumped a tub of ice water on Mike's bathing suit.
What did this victory feel like for you, Mike?
"It was exponential." (???) "I haven't thought about sex in 2 weeks. All I'm thinking about is food."
Not from the footage I've seen, Mike. Your libido appears to be at the top of the batting order after that Rhythm Method tutorial you just gave out there. But you enjoy your feast just the same.
I know Ralph will. In fact, Ralph has volunteered to suck the food out of everyone's fingernails or lick stray condiments off of your face, in case anyone's interested. Davey might take you up on that Ralph, but right now he's transfixed, starting at the meat cooking on the grill.
If there's one thing Davey loves, it's the finest men's business fashions. But if the list were expanded to two things, it appears steak would be a contender.
Now if SAS can just shut up, we can avoid a double whammy tonight
"So, how about a brief tribal meeting real quickly here…"
NOOOOOOOO! Quick, somebody throw a sack over his head and save him from himself. He's too valuable to the show right now.
Sadly, nobody arrives with the sack and SAS is left to deliver the lamest, most deflating post-loss "pep talk" since Walter Matthau was cracking beers in the Bad News Bears' dugout. Who knows, maybe it worked.
"There's like an utter malice towards him that's palpable."
Soooo, it didn't work then, Rob? Incidentally, where're you coming up with words like "malice" and "palpable"?
SAS continues to cultivate the aforementioned utter malice by questioning Ashley and Natalie's ability to fill a canteen. Cut to Ashley telling us that she's at the point where she can't even look at Phil while Kristina tells the girls that his words are the last thing she wants to hear after a loss.
Hey, SAS told us in the first episode he has a way with women. He then tries to make a late run at tonight's "Dirty Talk Award" by telling a crab to "get your ass up here," but that trophy's already polished and resting on Mike's mantle, buddy.
On second thought, I wouldn't let Natalie pour the water either
Natalie tells us that Kristina's not frantically searching for the immunity idol, which is very strange to her.
"It could mean that she has it. It could mean that she doesn't. I don't know."
That's an understatement. But you've covered both possibilities very succinctly, Natalie. Something tells me I'd pay to see copies/footage of your book reports from grade school.
As we head toward tribal council, Rob's sights are clearly on Kristina, but his minions are grinding their axes screechingly for SAS. Regardless, Rob tells SAS that Kristina's next, SAS decides that Rob is not a man of his word, and warns us, "Anything can happen in the game of Zurvivor."
Uh oh. Natalie, did any of that water you poured not spill into the dirt? Phil's mouth is getting dry again.
Tribal Council
As Jeff leads off discussing Kristina's seemingly always-precarious position, he asks Natalie what she thinks about second chances.
"I think second chances are great."
Somebody check this girl's hair for traces of purple dye.
All indications were that SAS was ready to take up for Kristina and may even have embarked on some half-cocked "plan" to burn his alliance with Rob to save K-Bomb, but that all went up in smoke when she decided her only hope was to throw SAS's already-mangled corpse further under the bus.
Kristina calls Phil "disruptive" and unwittingly unleashes "The Specialist." You see, Phil wouldn't characterize himself as disruptive at all. He's actually "a doer." And if you aren't one, "I probably am a little disruptive."
So, to recap: K-Bomb calls Phil disruptive. SAS defends himself by saying that he isn't disruptive. Then in the course of explaining himself, he concludes by saying that he's disruptive. Everyone got that? Phil's disruptive.
It reminded me a lot of this:
The Sheppard Stamp
As Jeff pits K vs. SAS, Phil tells Jeff he has a history with the tribe and they know what he's about. Never one to miss an opportunity to condescend an unwitting victim (who among us is?), Jeff piles on Simple Jack by saying, "You're a doer."
It's so on the nose, EVEN NATALIE smiles about the comment. Then again, maybe she was just thinking, "I sure do like cats."
Anyway, being a doer is all a part of the "The Sheppard Stamp," which, from what I could gather, is coming from a large family, graduating from high school, being discharged from the army, and receiving a medal for performing field sanitation. He made sure to throw in a line about his mother dying to wipe the smirk off Ashley's face.
But I can't help but wonder if someone didn't just spot SAS muttering to himself outside The Capitol, gave him a shallow bucket to use as a helmet, had him go dig latrine ditches in a field alongside a chain gang, and then gave him a foil yogurt lid for admirable service. It's a toss-up really.
It was also a sobering moment, regardless of whether you're a.) In the 0% of viewers who believe anything SAS says and therefore found his tale of hardship to be moving or, b.) In the much larger 100% of us who find everything he says to be more than a little disquieting and who become a little more afraid of him every week as we see just how detached from reality he really is.
Not to mention hilarious. He's also hilarious. And the laughs can continue for a while because Kristina has to drag the small of her back and the tattoo that goes with it all the way to RI to likely become Matt's third victim next week.
And CBS continues to draw my ire by apparently having settled into a nice Season 22 groove of never revealing the votes over the closing credits. Suck it, CBS. Show the flipping votes!
But if seeing no votes means SAS continues to live a long and prosperous life on my TV screen, then I'm willing to pay that toll. I can only shed a tear that he and Russell never got to share the same beach, because those would have been priceless moments in reality TV history. For all we know, Russell left this game without even knowing that SAS was a bats*** lunatic claiming to be a special agent. And that just makes me sad.
Instead Russell left thinking that he armed K and SAS with enough ammo to take this thing to the house. 30 minutes later, K-Bomb was taking his place on RI and SAS was working on bringing palpable utter malice to a boil within his tribe.
Hopefully I'll get to ask Russell about this a little later this afternoon if I can get a word in edgewise in what is sure to be a conference-call frenzy for a Survivor legend. Be sure to duck your heads in here sometime this weekend to see if I was able to find out whether Russell managed to dry his tears and whether he knew that Phil used to hurl ninja stars at the Nazis.
In the meantime, thank you so much for reading, fire away with your comments and emails, and remember, when in doubt: Just pull it out, just pull it out, just pull it out!
{If you have secrets too dark for the light of public consumption or just prefer to send me hate mail directly, you can reach me at firstname.lastname@example.com} Otherwise, the comment button is right below these ads.


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Split by product types, with sales, revenue, price, market share and growth rate of each type, can be divided into
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text:
So it's no surprise that Republican Rob Cornilles and his supporters like to say that former Democratic state Sen. Suzanne Bonamici "votes 98 percent of the time" with Democrats in Salem.
"She has talked about separating herself from her party but the reality is she votes 98 percent of the time with the Democrats in Salem. I don't know how that represents bipartisanship; that represents to me more of the same," he said.
That's only Half True, though. Find out why we ruled the way we did. Then return to OregonLive and give your views.
Nominate statements for PolitiFact Oregon to check at firstname.lastname@example.com. Read more Truth-O-Meter rulings from PolitiFact Oregon at politiifact.com/oregon.
Check out our Kitz-O-Meter, where we track how Gov. John Kitzhaber is doing on his campaign promises.


text:
A Californian meat producer announced the recall today of nearly 900,000 pounds of beef products that could be contaminated with a potentially fatal strain of E. coli.
Huntington Meat Packing Inc., in Montebello, Calif., said the meat, including ground beef, patties and burrito filling mix, were sold to distribution centers, stores and restaurants in California.
The recall was prompted by tests conducted by the U.S. Department of Agriculture, which turned up positive for E. coli O157:H7.
The bacteria, which lives in the intestines of cattle, for example, produces a Shiga toxin which can cause bloody diarrhea, kidney damage and even death.
The company said the potentially infected products were produced between Jan. 5 and Jan. 15. It said no illnesses had been reported in connection with the recall.
Check out the USDA press release.
-- Lynne Terry


text:
Hoboken's Green Hop shuttle has been suspended indefinitely while mechanical repairs are made to the normal shuttle and its back-up van, according to a news release from the city.
"We regret the inconvenience; however, we insist that the shuttle buses are in top safety condition," said the release.
The Green Hop normally runs from Bloomfield and Second Streets up to Willow and 12th Streets and back downtown to Hoboken Terminal and the PATH station.
The Blue Hop, Red Hop and Senior shuttles are all running on schedule.
For more information about the Hop system, see the City of Hoboken website.


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You guys, this video makes me laugh so hard, and then it makes me uncomfortable, and then it makes me laugh again. Happy Friday!
Megan Amram is the Greatest27 Apr
Lady Podcasts: Joy the Baker15 Mar
Are you tired of me talking about Joy the Baker? Well, sorry. I can't stop/won't stop, because she is a super-powered inspirational lady to me. She's smart, driven, talented, stylin' and a positive thinker. She just gets things done: a blog, a book, and a podcast. Not just a podcast, either, but an entire podcast network. Much like Nerdist or Earwolf, Joy the Baker is running a podcast empire, and I love her for it.
Her own podcast, cohosted by Tracy from Shutterbean, is my go-to car listen right now.
Here's why I love the Joy the Baker podcast:
1. I always laugh.
Joy and Tracy are very funny. Not in a "trying to make jokes" sort of way, but in the "natural storyteller" sort of way. They are so good at relaying the weird, awkward moments in their lives in colorful, descriptive terms. You can tell that they're real-life friends who care about each other, and they have super-interesting lives.
2. It's good advice.
I can truly say I've learned so much from the Joy the Baker podcast. From easy party appetizers to blogging tips to what to buy a guy for Valentine's Day (fancy gin/an ax), you'll learn things you didn't even know you wanted to know!
3. Positivity
This podcast is a guaranteed pick-me-up. Just like Joy's site, the podcast is pretty, cheerful, and light. Joy and Tracy aren't mean to people and they don't complain. They talk a lot about their goals and dreams, and I like that! I honestly look forward to my ridiculously long commute when there's a new JTB podcast.
Give it a listen! Do you like food, baking, laughing, and being happy? Of course you do! Check out the Joy the Baker Podcast with Tracy of Shutterbean.
Probably the Funniest Thing I've Ever Seen15 Feb
In case you didn't know (but you probably did, because I talk about it all the time), my brother Alex is in a comedy group called Baby Mountain. I can definitely say I'm their number one fan, and not even just because of my brother. I just think they're so funny. Over the weekend, their school did something called the 48 hour shootout. Here's an explanation from someone who didn't really pay attention when she had it explained to her (me): each team gets a prop, a title, a genre, and a line, and then they have 48 hours to make an entire short film. This is the one my brother worked on…OR DID HE?
Why don't I have a Baby Mountain t-shirt yet? I deserve one. I am the best hype girl.
Self Esteem:Jenny Slate30 Jan
Self Esteem: Jenny Slate from Dean Fleischer-Camp on Vimeo.
This video is the perfect mix of funny and sad.
Not-So-Secret Celebrity Crush: Zach Galifianakis19 Sep
I've had an outta control crush on Zach ever since high school, when his picture was in my locker (along with Chris Carrabba, Dave Grohl, and Bruce Campbell. Guys, let's talk about how cool I was in high school). I stayed up "late" when I could to watch his VH1 talk show and I memorized his Comedy Central Presents special. Right now, if I look to my right I can see the poster with his face on it that Lexie bought me one year for my birthday. Here are the two biggest reasons I have a crush on him:
To quote one Maeby Bluth: MARRY ME.
Good Morning, You're Welcome13 Sep
I know it's a total cliche for women to say they like a man with a sense of humor. Also, I'm pretty sure most women don't really mean it when they say that. I do. My attraction to a sense of humor above all else is why I have such a strange list of celebrity crushes, and why I had a picture of Zach Galifianakis hanging in my high school locker. I know that's weird. You don't have to tell me.
If someone was really, really funny, I can't think of a single thing they could do to make me not like them. Are they cheating on me? As long as I'm laughing! Are they stealing money from me? I will forget about that as soon as they do a funny voice. Did they murder someone? Oh, but remember the good times! Obviously, if I'm willing to put up with theft and murder, looks are among the least important qualities for my celebrity crushes.
That's why it's so shocking to me that Nick Thune is such a good looking man. Not just "comedian hot," but real person hot.
The point of this post wasn't to turn the blog into a Nick Thune tumblr, although don't think I wouldn't do it in a hot minute. The point is this song/video. This is something I listen to/watch whenever I'm feeling down, and it always makes me laugh.
Ghost Court: Baby Brother's Blog5 Sep
My little bro finally started a comedy blog and I couldn't be more excited for you. I mean, it just wasn't fair that you didn't get to read and/or hear about the things he was writing before. Now you do! Isn't this a wonderful world?
Alex is the funniest person I know (and everyone I know is funny, because that is a requirement for being my friend, obvi) and I laughed out loud several times while reading his first few posts. And if you weren't already aware of his sketch comedy group, Baby Mountain, get hip to it. Here's one of my favorite sketches…this actually made me feel queasy, and I have an iron stomach. Ladies like gross out comedy, too, y'all.
Ice Cream Party from Baby Mountain on Vimeo.
Comedienne Extraordinaire: Chelsea Peretti1 Aug
Here's yet another reason why Chelsea Peretti is my favorite comedian.
Comedienne Extraordinaire: Kristen Schaal9 Jul
I've been busy lining up a summer of lady comedy, and if all goes according to plan, I'll be seeing Kristen Schaal soon! I feel very close to her because she's also a curly haired lady with a "unique" voice. Here's her being funny:
And here she is being interviewed by Nylon. I love these Nylon interviews because they are always edited so strangely.
"I look like someone from a traveling circus, but, like, a sweet traveling circus."
"I'm really into Beyonce today."
"Well I love Tori Amos, and no one's going to take that away from me."
Funny Lady: Megan Amram30 Jun
I don't know a lot about Megan Amram, other than her funny McSweeney's list and the fact that she was on Julie Klausner's delightful podcast. I feel like this video gets across everything we need to know, namely that she is hilarious.


text:
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bike guarantees high quality that can last for years.
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text:
Let's do the time warp again or so they sang in The Rocky Horror Picture Show:
How does this relate to survey questionnaire design? Time is one asset we can never get back so those of us involved in data collection must be conscious not only of the time it takes a respondent to complete our survey, but also the types of items we employ in our questionnaire design.
It is common in customer satisfaction programs to measure overall satisfaction and the satisfaction with individual elements of the purchase or service exchange. The methodology for this technique has been almost standardized at this point, but one aspect under the researcher's control is the time frame of reference. I am referring to the window of time you ask the respondent to consider. For example, you may ask:
In the last three months have you purchased a McJoyous Meal?
The follow up to this should the respondent answer in the affirmative would be a series of questions asking about the level of satisfaction with said McJoyous Meal. Again this may seem straightforward; however, it becomes a more difficult challenge for the respondent to accurately convey their sentiment for an event that could have happened any time within the prior three months.
The respondent's ability to recall diminishes with time. It also is a function of the nature of the purchase with significant purchases (e.g. car, home, vacation, etc.) having greater likelihood of recall than routine transactions such as changing an address on your credit card company's website. The visual below shows an example from a recent study I completed. The rows in this matrix were masked based upon a response to a previous question about which contacts I had with my credit card company in the prior three months.
As you can see, if the contact was last week then my recall would be far better than if it were two months ago. Compounding the issue is the differences in time frame for the two contacts, which could easily lead to skewed data.
The best practice is to conduct satisfaction measurements in waves with the intervals being a function of the particulars of your product or service. Transactional measurements should be conducted why you have someone on the phone or the website. Significant purchases, a new car for example, can go longer, unless your focus is on the sales experience itself.
Consider the time frame you are asking your respondents to work with before designing your satisfaction measurement program. Avoid having to do the time warp again!


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text:
In a monumental change to the Jersey City early childhood education system, a Bergen County nonprofit will take over the Head Start program in June, pushing out the Jersey City group that has managed Head Start for nearly half a century.
Greater Bergen Community Action, which last year assumed control of Paterson's Head Start program, will receive $8 million in federal dollars to manage the city's Head Start program, currently run by Jersey City Childhood Development Centers.
JCCDC has managed Head Start in Jersey City since 1965.
Both Robert Halsch, the Bergen group's executive director, and Tim White, spokesman for JCCDC, stress that parents shouldn't be worried about the change.
There will be no interruption in service once Greater Bergen takes over July 1, both men said.
"Every child currently in the program through the end of this year will be able to stay," Halsch said.
"And any child who would normally, because of their age, come back in the program in September will come back to the program in September."
But the change could mean some Jersey City Head Start workers lose their jobs, and warning slips went out to about 180 employees.
White, of PR firm Beckerman, said JCCDC "expects a vast majority" of them to be rehired once Greater Bergen takes over.
Halsch said in his prior experience, Greater Bergen has rehired about 75 percent of staff at facilities they take over. Many of those not rehired were the result of retirements and attrition, he said.
Maria Luna, 33, of South Street, has two sons, 3 and 5, enrolled at JCCDC's Nelson Avenue facility.
Luna said she's happy with their education there, but she's not nervous about Greater Bergen's coming takeover.
"I feel like it's good," Luna said. "Something new."
Currently, JCCDC educates about 700 kids ages 3 to 5 in eight different facilities around the city. Children under the age of 3 will be eligible starting in July.
The expansion of Head Start services to include newborns and toddlers is part of a federal pilot program called Birth-to-Five. Jersey City was one of five communities chosen, including Baltimore and Washington, D.C.
Greater Bergen's experience serving those much younger children is the reason they were awarded the grant over JCCDC, which has "absolutely no experience" educating that age group, according to one person with knowledge of the selection process.
Federal officials have to finalize Greater Bergen's proposal before it can officially take over.


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By Sheryl Borden: PNT columnist
Information on cooking with apple pies, arranging flowers, and making tomato and mushroom pasta dishes will be the featured topics on "Creative Living" on Tuesday at noon and on Saturday at 2 p.m. (All times are Mountain)."Creative Living" airs on public broadcasting station, KENW-TV, from Eastern New Mexico University in Portales.
Janel Franklin will share her version of the All-American family style apple pie. Her company is Jan-Su Publications, and she lives in Tahoka, Texas.
Rene Van Rems is the director of merchandising with the California Cut Flower Commission in Watsonville, Calif. Van Rems will share some tips for designing and arranging flowers and show some unusual flowers for everyday use.
Jeannetta Davis represents the Mushroom Council located in Dublin, California and the Florida Tomato Committee in Orlando, Fla. She will show how to incorporate both foods in a delicious penne pasta dish.
Information on working with sheer fabrics, using packaged gravy mixes, and window operating systems will be the featured topics on "Creative Living" on Tuesday at 9:30 p.m. and on Thursday at noon.
Becky Hanson is a sewing expert and Education Manager with the Singer Sewing Company. She will show how to stabilize fabrics, such as organza, chiffon and tulle, and explain which needles, threads, and stitches work best.
She lives in LaVergne, Tenn.
Kathy Moore will share some great recipes for using packaged gravy mixes. Moore is a home economist with Williams Foods, Inc. in Lenexa, Kans.
Joe Jankoski is with Hunter-Douglas Window Fashions in Upper Saddle River, N.J. He will explain how the operating systems in window treatments have been drastically improved for safety.
"Creative Living" is produced and hosted by Sheryl Borden. The show is carried by more than 118 PBS stations in the United States, Canada, Guam and Puerto Rico and is distributed by Westlink of Albuquerque.
Penne Pasta
1 Tbsp. olive oil
2 cups vertically sliced thin onion wedges
2 garlic cloves, thinly sliced
1 pound fresh mushrooms, quartered
3 cups coarsely chopped tomatoes
2/3 cup chicken broth
2 tsp. oregano leaves
8 ounces penne pasta, cooked
1/4 cup coarsely chopped fresh parsley
Freshly grated Parmesan cheese
In a large skillet, heat oil until hot. Add onion and garlic; cook over medium-high heat until softened. Add mushrooms; sauté until barely tender. Stir in tomatoes, chicken broth, and oregano. Salt and pepper to taste. Simmer for 5 minutes. Pour over penne; add parsley, toss together. Serve with Parmesan. Makes 4 servings.


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Clinic: A Community Health in Motion Clinic to provide free childhood immunizations for children in Clackamas County has been scheduled to meet Oregon's school exclusion date.
For more information, visit http://public.health.oregon.gov/preventionwellness/vaccinesimmunization/gettingimmunized/pages/school.aspx
– Providence Health & Services in Clackamas County firstname.lastname@example.com, or visit www.sunnysidefarmersmarket.com.
Once Upon a Story Time: The themed event features picture story
books, crafts, activities and snacks. Weekly 10 a.m. Wed. Barnes & Noble
Clackamas Town Center, 12000 S.E. 82nd Ave., Happy Valley; free; www.barnesandnoble.com or 503-786-3464
Concerts: Live music. Weekly 6-8 p.m. Fri. New Seasons Market, 15861 N.E. Happy Valley Town Center Drive, Happy Valley; free; www.newseasonsmarket.com or 503-558-9214
American Girl Club: Stories, books, kits and refreshments. Monthly 3 p.m. second Sun. Barnes & Noble Clackamas Town Center, 12000 S.E. 82nd Ave., Happy Valley; free; www.barnesandnoble.com or 503-786-3464
National Alliance on Mental Illness: Support meeting for persons
with mental illness and those who love them. Monthly 6 p.m. dinner, 6:30 p.m.
program, 7:30 p.m. support group on third Mon. Beautiful Savior Lutheran Church,
9800 S.E. 92nd Ave., Happy Valley; free; www.nami.org/sites/nami:clackamascounty
or 503-344-5050 or firstname.lastname@example.com
Meetings held in Happy Valley City Hall, Council Chambers, 16000 S.E. Misty Drive, Happy Valley. Details: http://www.ci.happy-valley.or.us/ or 503-783-3800
*Happy Valley City Council: 7-9 p.m. on first and third Tuesday of each month.
*Happy Valley Juvenile Diversion Panel: 5:30-7 p.m. on second Wednesday of each month.
*Happy Valley Planning Commission: 7-9 p.m. on second and fourth Tuesday of each month.
*Happy Valley Traffic and Public Safety Commission: 7-9 p.m. on second Thursday of each month.
*Happy Valley Youth Council: 7-9 p.m. on second Monday of each month, September through May.
Knit Night: A social gathering for all ages and skill levels. Yarn provided or bring your own projects. Monthly 6:30-8 p.m. third Wednesday. Sunnyside Library, 13973 S.E. Sieben Park Way, Clackamas; free; www.clackamas.us/lib or 503-794-3883
Let's Lego: Ages 5 and older can build with other Lego fans and then tear
down their constructions. Monthly 1:30-3 p.m. third Saturday. Sunnyside Library,
13973 S.E. Sieben Park Way, Clackamas; free; Legos provided; www.clackamas.us/lib or 503-794-3883
Sunnyside Grange Farmers and Artists Market: Vendors sell fine art, crafts, fresh local produce and eggs, fruits, fine foods, baked goods, plants and specialty items. Weekly 11 a.m.-3 p.m. Sun. Clackamas Sunnyside Grange, 13100 Sunnyside Road, Clackamas; free admission; www.windancefarmsandart.com/sunnyside.php or Peter Tuomala, 503-704-4212, email@example.com
Community Resource Fair: Features social and community services resource booths, basic chiropractic exams, vision and hearing screenings, a dental clinic, haircuts, kids activities and child care. Some services available on a first-come, first-served basis. Hosted by Compassion Estacada in collaboration with Estacada churches. Volunteers, especially dentists and hygienists, are still needed. 9 a.m.-4 p.m. Sat, Feb. 9. Estacada First Baptist Church, 29101 S.E. Eagle Creek Road, Estacada; free; www.compassionestacada.org or firstname.lastname@example.com
"Itchin' to Grow": A gathering of novice and experienced gardeners with demonstrations and discussions of vegetable-plant requirements and how to get a jump-start on your garden. Registration required. 11 a.m.-1 p.m. Sat, Feb. 16. The Wade Creek House, 664 Wade St., Estacada; $15; http:// thewadecreekhouse.blogspot.com or 503-630-7556
Looking ahead to summertime
Estacada Summer Celebration: Watch the ArtBack artists paint their annual mural-in-a-weekend project and visit the Broadway Street Fair. Also free hands-on art activities for all ages, a silent art auction, clowns, giant puppets, live music, food vendors, farmers market and quilt show. 6-10 p.m. Fri, 10 a.m.-10 p.m. Sat, July 26-27. In and around downtown Estacada; free admission; www.estacadasc.org or Estacada Area Arts Commission, 503-631-3898
Dinner and Dance Social: Music provided by the Heartland Classic Country Band. Monthly 5 p.m. first and third Sat. Estacada Community Center, 200 Clubhouse Drive, Estacada; $5, includes a hot meal and beverages; 503-630-7454
Vickie Kavanagh; firstname.lastname@example.com; 503-294-5913;
or follow me on Twitter @okavkid


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Wednesday November 21, 2012
The Morningside Initiative's Neighborhood Development committee invites residents and community members to continue the discussion on making the Morningside neighborhood stronger.
A meeting will be held at 5:45 p.m. on Wednesday, Nov. 28, at Morningside Community School. The Morningside Initiative and community members will discuss steps to build a safer neighborhood including strengthening the Neighborhood Watch efforts in the Morningside Neighborhood.
Information: Pete White at email@example.com or leave a message at (413) 464-9044.


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Home Concert Tickets Hard Rock/Metal Uriah Heep
Uriah Heep Tickets
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It is called the Hudson-Bergen Light Rail, but so far Hudson County has had the rail system all to itself. That all may change, however.
NJ Transit has scheduled public hearings next month regarding a plan to extend the service to at least Englewood, which would at least justify having the word "Bergen" in it's title.
"It's been a long time coming," former Assemblywoman Rose Heck, a longtime advocate for light rail in Bergen, told the Star-Ledger. "We've waited impatiently for light rail to come into Bergen."
With Hudson ridership at 45,000 to 47,000 riders per day, Heck says "Bergen is going to, without a doubt, have about 60,000 passengers a day."
Some people might argue with that guestimate, since most people in Hudson County think every family in Bergen has at least two cars in the driveway.
There is no timetable for the project, and money remains a major hurdle.
NJ Transit Executive Director Jim Weinstein said the Federal Transit Administration has given approval to publish and distribute a draft environmental impact statement, which he termed "an important milestone."
He said the draft environmental impact statement evaluates the impact of extending the light rail service from its end point in North Bergen, eight miles north to Englewood, or beyond to Tenafly.
NJ Transit has scheduled two public hearings per day for two days next month to receive spoken and written comments on the Northern Branch draft environmental impact statement:
• Jan. 24 — 3 to 5 p.m. (formal presentation at 3:30 p.m.) and 7 to 9 p.m. (presentation at 7:30 p.m.) at Clinton Inn, 145 Dean Drive, Tenafly.
• Jan. 26 — 3 to 5 p.m. (presentation at 3:30 p.m.) and 7 to 9 p.m. (presentation at 7:30 p.m.) at Crowne Plaza Englewood Hotel, 401 S. Van Brunt St., Englewood.
The impact statement can be reviewed on the project website: http://northernbranchcorridor.com.
"It can be used for mass transportation into the city and to various areas for jobs in Jersey City," Heck told the Star-Ledger. "The key is, we've always wanted Bergen-Hudson completed so that we can bring it into the Meadowlands, because there will be a big swell of jobs in the Meadowlands."
The service now extends as far south as Bayonne, with stops in Hoboken and Jersey City.


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GRAND RAPIDS, MI -- Here is the timeline of events in the homicides of Kentwood couple David and Vivian Bouwman and subsequent search for suspect Javonte Higgins.
Jan. 5 -- Wyoming firefighters extinguish morning car fire at an apartment complex on Madison Avenue SE and, at 11:15 a.m., Kentwood police find the bodies of car owners' David and Vivian Bouwman in their Stowevalley Drive SE home.
Jan. 8 -- The Princeton Estates neighborhood where the Bouwmans lived holds a candlelight vigil.
Jan. 10 -- Police release sketch of person-of-interest seen near the burning Cadillac Deville and, that night, police name 22-year-old Javonte Higgins as a person-of-interest and search his family's home in the same neighborhood as Stowevalley Drive.
Jan. 12 -- A funeral service for David and Vivian Bouwman attracts more than 600 people, some of whom had close connections to the homicide victims and others who had no ties to the couple.
Jan. 14 -- Police name Javonte Higgins as a suspect in the homicides and say the public should consider him to be armed and dangerous. Details emerge that Higgins is wanted for two December home invasions and would have been in jail, but for being hospitalized after crashing a stolen truck.
Jan. 18 -- Acting on a tip from Grand Rapids police, Higgins is arrested in the Blue Island community of Chicago about 1:30 p.m. Police believe others, including the person in the sketch, may be connected to the homicides. Relatives of the Bouwmans are relieved at Higgins' arrest.
E-mail John Tunison: email@example.com and follow him on Twitter at twitter.com/johntunison


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Research Topics
K Lohmann
Country: Germany
Detail Information
- Identification and functional analysis of novel THAP1 mutationsKatja Lohmann
Section of Clinical and Molecular Neurogenetics, Department of Neurology, University of Lubeck, Lubeck, Germany
Eur J Hum Genet 20:171-5. 2012..Speech was affected in four mutation carriers. In conclusion, THAP1 mutations are rare in unselected dystonia patients and functional analysis is necessary to distinguish between benign variants and pathogenic mutations...
- [Genetics of movement disorders]K Lohmann
Institut für Neurogenetik, Universitat zu Lubeck, Ratzeburger Allee 160, 23538, Lubeck, Deutschland
Nervenarzt 84:143-50. 2013..In this article, we summarize known monogenic forms and the associated phenotype as well as genetic risk factors and review the function of relevant genes and proteins...
- Autosomal dominant Parkinson's disease in a large German pedigreeN Bruggemann
Division of Clinical and Molecular Neurogenetics at the Department of Neurology, University of Lubeck, Lubeck, Germany
Acta Neurol Scand 126:129-37. 2012..While several genes have been identified to cause Parkinson's disease (PD), monogenic forms explain only a small proportion of cases. We report clinical and genetic results in a large family with late-onset autosomal dominant PD...
- Glucocerebrosidase mutations in a Serbian Parkinson's disease populationK R Kumar
Department of Neurology, Section of Clinical and Molecular Neurogenetics, University of Lubeck, Lubeck, Germany
Eur J Neurol 20:402-5. 2013..To screen for glucocerebrosidase (GBA) mutations in a Serbian Parkinson's disease (PD) population...
- Heterozygous carriers of a Parkin or PINK1 mutation share a common functional endophenotypeB F L van Nuenen
Department of Neurology, Christian Albrechts University, Kiel, Germany
Neurology 72:1041-7. 2009..Specifically, we examined how a single heterozygous mutation in different genes associated with recessively inherited Parkinson disease alters the cortical control of sequential finger movements...


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COLUMBUS, Ohio -- Democratic state Rep. John Barnes of Cleveland may have more cash on hand than his challenger, Jill Miller Zimon, but Zimon has raised more than two-and-a-half times the amount Barnes has since January, state records show.
The roughly $28,200 raised by the former Pepper Pike city councilwoman in the past few months marked the second straight report in which she out-raised Barnes, according to state campaign finance reports. Barnes raised $9,000 in the same period, between the end of January and mid-April.
Barnes' campaign only received four donations in that time, including $5,000 from Albert Ratner, a co-chairman emeritus at Cleveland-based Forest City Enterprises, according to campaign finance records.
Ratner funded a Columbus-based Super PAC in 2012 which launched a radio ad campaign in opposition to then-U.S. Congressman Dennis Kucinich's failed bid for re-election in the Democratic primary against Toledo Democrat Marcy Kaptur.
Zimon's five biggest contributions since January came from various labor organizations, including the Ohio Federation of Teachers.
Barnes still leads Zimon in cash on hand going into the end of the month, with $13,300 compared to her $9,000 total.
Barnes, along with fellow Democratic Rep. Bill Patmon of Cleveland, have come under scrutiny from those within their party after splitting with Democrats on key votes in the Ohio House of Representatives.Sam Howard is a fellow in Ohio University's E.W. Scripps School of Journalism. Follow him on Twitter @SamuelHHoward.


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MOBILE, Alabama-- There is a 20-30 percent chance of rain throughout the day on Sunday with thunderstorms possible.
The high temperature will likely stay just below 90 degrees.
Very minimal winds are predicted, ranging from 2-5 mph.
There is a ten percent chance of rain on Monday up until the late-evening hours when the chance of precipitation rises to 40 percent.


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This deal has ended.
Buy.com has a bundle with both a Kingston TravelLite Memory Card Reader and a 2gb Kingston SD Memory Card for only $14.95 after a $12 mail-in rebate through 3/10. This is the lowest price to-date and $5 below a previous mention. The reader plugs into any computer's USB drive for quick file transfer from your memory card. Shipping is free; there is no sales tax (except CA, MA, MD, TN).No longer available


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It's no secret that emotions are a big part of basketball—maybe even the biggest part.
Basketball is an emotional game, and that holds true for everyone from players to coaches and even fans. And there's nothing wrong with that. Quite the opposite, actually. That's what makes the NBA so thrilling.
But with that being said, there are times when all that emotion gets the better of people and makes them go a little crazy. Sometimes that can lead to good results, but it more often than not leads to some very bad things. Like a temper tantrum or a freakout. Either way though, it's usually all pretty entertaining. And that's what really matters.


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Morgan Stanley said it earned 29 cents a share on $6.8 billion in revenue. That was less than analysts' expectations of 36 cents on $7.8 billion in revenue, according to Thomson Reuters. But investors appeared pleased by the results, sending the company's stock up in pre-opening trading.
Morgan Stanley said its revenue was hurt by an accounting charge resulting from the continuing improvement of credit markets. However, the bank said the Morgan Stanley Smith Barney joint venture more than doubled the revenues from its global wealth management operations to $3.1 billion.


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Home Treatments Can Offer Patients Convenience,
Health Benefits and Greater Independence
BIRMINGHAM, Ala. - March 13, 2013 - Fresenius Medical Care North America (FMCNA), the nation's leading network of dialysis facilities, today announced that it has opened a new facility to support the growing number of home dialysis patients in the Birmingham area.
Fresenius Medical Care Birmingham Home is now located at 35 W. Lakeshore Drive, Suite 105, in Birmingham. The new location offers more space for training rooms and provides a more "home-like" setting for patients to learn how to administer their treatments.
Although about 10 percent of U.S. patients with kidney failure, also known as end-stage renal disease, receive dialysis treatments at home, medical experts believe as many as 40 percent of patients could benefit from home dialysis. Home dialysis is a proven treatment option that can offer patients health and lifestyle benefits, including greater independence and more scheduling convenience. Home dialysis is not for everyone, though, and patients should thoroughly discuss their options with their physician and care partners before making a decision.
Most dialysis patients go to a clinic three times a week for treatments lasting three to four hours at a time. However, patients judged by their physicians to be medically suitable for home dialysis and who have a Medicare-required care partner can reduce the time and money spent traveling to the dialysis clinic, as well as the challenge of arranging transportation. Home dialysis patients can schedule treatments at their own convenience and also combine treatments with other activities, such as watching TV or visiting with family and friends. As a result, home dialysis patients often have more time for work and hobbies, and many find it easier to regain greater control of their lives.
"The medical community is increasingly asking patients to consider home dialysis, which in many cases can help to improve their quality of life," said Michelle Denney, R.N., director of operations home therapies for FMCNA. "Fresenius Medical Care is committed to educating residents of Birmingham about this convenient treatment option, which complements our UltraCare mission of providing excellent, patient-centered care and customer service."
Growing evidence suggests that home dialysis may also contribute to improved patient outcomes, increased longevity and reduced risk of hospitalization. Many home dialysis patients also report fewer side effects - such as fatigue or muscle cramps. Furthermore, home dialysis allows patients the flexibility to dialyze more slowly or frequently, which could reduce their need for medications and dietary restrictions.
FMCNA offers both hemodialysis and peritoneal dialysis (PD) treatment options for home patients, along with extensive in-center and home training programs for patients and care partners. Home hemodialysis uses dialysis machines and external filters to remove extra fluid and wastes from patients' blood in the comfort of their own home. PD therapy filters the blood by circulating cleansing dialysate fluid through the patient's abdomen and drawing toxins out of the blood through the peritoneum, a thin membrane lining the abdominal cavity. When the filtering is complete, the dialysate (along with the wastes) is drained from the abdominal cavity. Dialysis patients typically require treatment on an ongoing basis unless they receive a kidney transplant.
If you are interested in learning more about home dialysis, talk to your kidney doctor to see if it might be a good option for you. Those interested in learning about home dialysis are invited to attend one of FMCNA's free Treatment Options Programs (TOPs), where at-risk patients and their families can learn about chronic kidney disease and all available treatments for kidney failure, including dialysis and kidney transplants. Sessions are open to the public and are held regularly at the facility; call toll-free 1-877-TOPS-LIFE (1-877-867-7543) for more information.
For more information about home dialysis and other local treatment options, call 1-866-4-DIALYSIS (1-866-434-2597), or visit www.ultracare-dialysis.com (in English and Spanish).
About Fresenius Medical Care North America
Through our leading network of more than 2,100 dialysis facilities in North America and our vascular access centers, laboratory, pharmacy and affiliated hospitals and nephrology practices, Fresenius Medical Care provides renal services to hundreds of thousands of people throughout the United States, Mexico and Canada. We are also the continent's top producer of dialysis equipment, dialyzers and related disposable products and a major supplier of renal pharmaceuticals.
For more information about the company, visit www.fmcna.com; for information about patient services, visit www.ultracare-dialysis.com.


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Last week we got back from a little holiday vacation with the family. We took our 11-month old to Disney for the first time! With the holiday travel season in full gear, I thought I would share with you some of my favorite must-haves whenever I go traveling. These are what I like to call my life-savers.
So without further ado, here are my 5 must-haves to make traveling with a baby a little easier this holiday season.
What are some things that help make traveling with a baby easier for you?
Compact Stroller 1 of 6
If you're going to a city or somewhere where you'll be doing lots of walking, a compact stroller is a must. This one from Stokke (the Scoot) is really practical. I brought it along with me to my trip to Disney and I love how easy it was to fold (perfect when we were going on the tram at Disney or in elevators). It also fits through narrow doorways and through tight spaces, especially when you are trying to get to your seat at restaurants. Even though it's small, it's also very comfy and our little one did tons of sleeping in it!
Safety Plugs for the Hotel Room 2 of 6
This is one item I didn't bring with me, but wish I had. Our little guy kept trying to go straight for the power outlets in the hotel room. It definitely gives you a little piece of mind to have.
Inflatable Bathtub 3 of 6
These are very practical and fit nicely in your luggage. I originally had this rubber duck inflatable tub, but for some reason my son started freaking out when we put him in it. I think it might have been the huge rubber duck head that scared him. So to be safe, I would look for a simple inflatable tub like this one.
Available here.
On-the-Go Pack-n-Play 4 of 6
Pack-n-plays are lifesavers whenever we go traveling. It's what we use as our crib when we travel. Our son first used it when we went traveling with him at two months and we brought it along for our latest trip too (at 11 months). This one from Graco comes with a bassinet, which doubles as a changing station too. Now that he's older, we simply removed the bassinet and he sleeps in the bottom portion.
Available here.
Portable Feeding Chair 5 of 6
If you are going on a road trip and have some extra room to spare, I highly recommend taking a portable feeding chair. We used this one from Ciao! Baby in our hotel room and love it. It's so practical, plus we also like to use it whenever we go grandmas house or at the park.
Lots of Bibs 6 of 6
We didn't want to do any laundry during our trip, so made sure to pack lots and lots of bibs. I love these from Aden & Anais.
Available here.
Read more of Carmen's writing on her fashion blog, Viva Fashion.


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First Vice President, Payments and Technology Policy
Cary Whaley is first vice president of payments and technology policy for the Independent Community Bankers of America®. He advocates the association's policy positions regarding issues related to the online and mobile delivery of financial services and payments.
Before joining ICBA in 2004, Whaley worked for NACHA, The Electronic Payments Association, where he directed the Council for Electronic Billing and Payment. He also managed payment operations on the community bank level with the Fauquier Bank in Warrenton, Va.


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10-year old Kho Chen Kai wins Budding Writers Project 2012
Singapore, 26 April 2012 – 10-year old Kho Chen Kai emerged as the proud winner of the Budding Writers Project 2012. The Primary 5 student from Kranji Primary School was triumphant over 20 other finalists with his timely and environmentally themed submission, The Three Sad Mice.
Now in its twelfth edition, the Marshall Cavendish Budding Writers Project continues to be the leading platform in Singapore for children to express their creativity through writing and drawing, as well as a unique opportunity to get their work published.
The Three Sad Mice tells the tale of the titular characters who embark on an adventure to seek a safe haven after their countryside of lush meadows and hills was destroyed in the name of development. The story, seemingly simple on surface, won the judges over with its environmental allegory that demonstrated the wisdom and wit of the author beyond his years.
Judging the competition this year are Ms Tan See Keen, former subject head of English Literature and esteemed curriculum developer at the Ministry of Education; Mr Desmond Kon, who is trained in Stanford and Harvard Universities and has been published in over 100 literary journals; and Ms Joy Tan, the General Manager of Marshall Cavendish, with over 18 years of experience in the educational publishing industry.
"It is crucial to cultivate talent from young. It is in the formative years that sparks of imagination can most effectively be stoked into a fiery genius. This is one of the main reasons we hold the competition year after year." said Ms Joy Tan. "We want to encourage young talented writers to express their creativity, feelings and opinions through prose and picture and nurture them to be their best."
The winner will attend a 2-day attachment with Times Publishing Limited in late May 2012 where he will gain exposure to the entire authorship processes from end to end, beginning with the pre-publication processes like editing, illustration and design. Subsequently, he will help oversee the actual printing process of his work of art. Finally, the young winner will cut his teeth as the promoter of his own book at his very first book launch at the Singapore Book Fair, on 1 June 2012.
Underpinning the environmental theme this year, the book will be printed on recycled paper and published as an e-book as well. The excitement for the young winner culminates with an Awards Ceremony also on 1 June 2012 at the Singapore Book Fair, aptly with Ms Grace Fu, Senior Minister of State, Ministry of Information, Communications and the Arts & Ministry of the Environment and Water Resources,, as the Guest of Honour.