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They look sugar coated but these Deadly Women are made of "Sugar And Spite."
The dark past of a college student's new husband rears its ugly head and ends in a double homicide.
In 1980, a serial killer abducts women from downtown Los Angles and dumps their bodies in bizarre places. When an unidentified caller telephones police, they must decipher fact from fiction as the woman confesses to a bizarre series of events.
Single mom Lorianna Parker is excited when she meets popular good-looking Corey Davis online, and filled with hope as their friendship blossoms. But when she goes to meet him in the flesh, her dream date turns into a living nightmare.
When a teenager goes missing from her local Walmart, detectives struggle for leads. But then surveillance cameras reveal terrifying footage of a prowler kidnapping her, transforming this investigation into a desperate race to bring her home alive.
After trick or treating with his family on Halloween night, a boy is rushed to the hospital and dies from unknown causes; A woman goes missing a few months after her wedding; A beloved singer in a church choir that was befallen with terminal cancer.
Financial desperation in the down-turned market sends a real estate lawyer to meet a mystery investor who swears to solve all his problems. But when the encounter turns deadly, an exotic dancer may be the only person willing to tell the truth.
Tiffany Shore grew up knowing that her father was evil, but she still kept his secrets. When Tiffany finally escapes him, she is devastated to discover that has committed far more heinous acts than she ever imagined or knew about.
The love affair between Gerald and Charlene Gallego resulted in a trail of merciless rapes and murders across 3 states from 1978 -1980.
An army surgeon, Jeffrey MacDonald, is the lone survivor of a brutal 1970 home invasion that claims the lives of his wife and daughters. But authorities doubt his story of murderous hippies and believe MacDonald is the culprit.
When an off-duty police officer in San Francisco happens upon a minor theft at a lumberyard one Sunday, he unwittingly jumpstarts an investigation into one of California's deadliest, most depraved serial killers: Leonard Lake and Charles Ng.
Get a Sneak Peek of ID's newest series, "Is O.J. Innocent? The Missing Evidence." Host Toure leads a panel discussion of the Simpson case with the series' co-stars Kris Mohandie and Derrick Levasseur, Eboni Williams, and Georgia Hardstark.
Host Toure leads a panel discussion about the second installment of "Is O.J. Innocent? The Missing Evidence" with series co-stars and special guests; Kato Kaelin asks people on the street their opinions and memories of the case.
Host Toure leads a panel discussion about the final installment of "Is O.J. Innocent? The Missing Evidence" with the series' co-stars Kris Mohandie and Derrick Levasseur, Eboni Williams (Fox News) and Georgia Hardstark (My Favorite Murder Podcast).
Host Toure leads a panel discussion about the first installment of "Is O.J. Innocent? The Missing Evidence" with the series' co-stars Kris Mohandie and Derrick Levasseur, Eboni Williams (Fox News) and Georgia Hardstark (My Favorite Murder Podcast).
When a husband finds his wife with a cord around her neck, he makes a heartbreaking 911 call, pleading for someone to come save his beloved. A missing phone, surprising crime scene clues, and a mystery man all complicate this story of love and loss.
Spite, greed, backstabbing and betrayal. When marriages fall apart, divorce can turn ugly...even deadly. Fatal Vows is a documentary series that explores tumultuous, shocking and high-stake divorces and the deadly murders linked to them.
Jealousy, deception and betrayal: it's the perfect recipe that can push a loving wife over the edge and put her spouse on the receiving end of a sharp blade.
This series tells jaw-dropping stories of forbidden love: relationships that break taboos, cross boundaries, shock communities, and lead to extraordinary and shocking crimes.
How far would you go for the person you love? Would you lie for them, die for them...or even kill for them? I'd Kill For You lifts the lid on unbelievable crimes in which one human's love, loyalty or devotion is chosen over another's life.
This hour-long series gives viewers a voyeuristic peek into the lust and animalistic obsession that have fueled some of the more brutal acts of violence to grab front-page headlines across the globe.
Stories of men and women who thought they were happily married, until the day they uncovered a shocking secret about their spouse that would leave them asking Who the (BLEEP) Did I Marry?
One man. Many wives. From the outside, a cosy picture of contented sister-brides raising a house-full of kids. From the inside, a fragile world of rivalries and jealousies ... that finally explode in brutal murder.
Join us for this darkly delicious series. Using recreations blended with real footage and stills, we'll detail the most spectacular ways women planned their sweet revenge on low-down, dirty-rotten, no-good boyfriends and husbands.
Married with Secrets takes an in-depth look at what happens when happily ever after goes horribly wrong when husbands and wives embark on secret lives that take them down dark paths, leading to devastating results.
Serial killers are not a new phenomenon, but what happens when the "average" person falls under the spell of a sadistic predator? Some of the most terrifying crimes in recent history have been committed by not one crazed killer, but a deadly duo.


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|Half Baths
|Property type
|Minimum Stay
This property sits on one acre of land and is a very large three bedroom, three bath split level. There are two family rooms, one with a fireplace and the other with a grand piano, dining room and eat-in kitchen. The property has 3,000 square feet and is in immaculate condition and beautifully decorated. The deck is in the front of the property and overlooks wooded properties. The property is governed by a homeowner's association that sits on a former golf course and country club. The Atlanta airport and Six Flags amusement park are 30 minutes away; Centennial Park, Georgia Aquarium, Woodfruff Arts Center, Coca Cola and Zoo Atlanta are 20 minutes away; Stone Mountain park is 15 minutes away; and Southland public golf course is 10 minutes away. Nearby is a newly developed mall with major department stores, restaurants and a theatre.
This property is conveniently located and perfect for individuals, families and groups who prefer home-style accommodations as an alternative to hotels.
Keywords: A wooded property in a cul-de-sac with total privacy.
My family and I stayed at this place and enjoyed everything about it. It is a big house with lots of room, hidden in a very quite neighborhood. The house is old, not sure how old but still in excellent clean condition. If your looking to camp out just for the night or nights while in Decatur, this is the place to be. Getting to it can be tricky, recommend using your driving directions on that cell. Because like I said, in a quite hidden neighborhood, and that is a good thing. Also what I liked, some of us renters leave behind things like, trash bags, paper towels, coffee, creamer, etc. for the next renter, that's a good thing, just don't leave food in the fridge. My only disadvantage was conducting business, I never used or had PayPal (but I do now) and for some reason while trying to book the reservation it would not take my VISA credit card I use for all my credit transactions the past decade. I had to use my everyday debit/credit card. Don't worry that's just me. So if you have a large family and looking to rest for a few nights while visiting Decatur. I highly recommend this VRBO.
I tried to rent this property my brother was diagnosed with cancer and my family was coming to visit him to say goodbye. I did exactly what the owner requested. However, he resented the offer of the home at the last minute. He accused my of lying about not listing the guest that would be in the home. I clearly stated in my email who would be in the home. However, I was renting the property and I was solely responsible. So unprofessional.
Six members of our family stayed in the home and all of us were coming from various other states. It made our visit to Atlanta so much nicer! The home was fully equipped with all the supplies we needed and the bottled water dispenser was a great extra convenience. We had plenty of room to spread out, and the décor was so charming. We will definitely stay in the house again.
Our family of 4 members and two other families decided to spend the long memorial week-end touring Atlanta and this house just turned out to be perfect place for our stay. What really impressed us was -
1) Excellent support from Property Manager (Wiliam) who helped us reserve the property just in time before our travel (as we planned the trip last minute).
2) The house had everything. All we needed was to only carry our luggage of clothes and other personal essentials
3) The house was kept clean and tidy
4) After service - we had left behind our ipad charger and Williams (Mananger) was very kind enough to have it sent by post to our residental address
5) Proximity of the house - it was very close to stone mountain and 30 mins drive to Atlanta downtown
Overall Assessment - I would recommend this property to anyone who wants to have a memorable and comfortable stay
My husband and I wanted to take our grandkids to Atlanta for Spring Break. I looked high and low for hotels/lodging in the area suitable for the seven of us where we wouldn't be "on top of each other!" I've used VRBO in the past and was successful so I checked out their ATL area listings. It was a "GOD THING" when I found this place! It was just what we needed. The owner/property manager was a joy to work with and he made reserving the house a breeze. The pictures don't BEGIN to show how nice the house really is! It's BEAUTIFUL, well maintained and very spacious. The yard, deck and patio with two swings was an added plus. Just pack your clothes because EVERYTHING else is in this house. There was even CANDY dishes (filled with goodies) in several places for the kids (they really enjoyed it). Thanks for the use of your beautiful home. I'm hard to please but I was VERY pleased with this house. Plan to maybe come back for Thanksgiving.
This property gets a 4.5 for cleanliness and distance from Stone MT. The reason for the over-all rating 3 for Average - the blind had a small section broken off when we pulling into the drive-way & the owner was not aware of the damage and charges us for the replacement. Also, the dishwasher did not clean the dishes and we would re-wash by hand and the blender did not work. The down stairs 1/2 bath floor is tilting and you sit a little twisted when using the facilities. The home is in an average subdivision vs. sitting out on a private lot. The address of the owner is next door and as a courtesy we left condiments and extra food in the refrigerator vs. disposing of it (thinking the next guest or owner would use them) and we were also charged part of our deposit for not tossing the food. Our cell phone clock said 11:08 as we pulled out of the driveway and the owner had already called reminding us we would be charged if it was more than 15 past 11:00 and that the cleaning crew would arrive at 2:00 for the next guest. The price was average to high.


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Day 24 who knows where
As soon as we awoke this morning I jumped in She's rucksack, snuggled up for the day. I could hear them two cussing as they paddled on muddy paths and roads with lorries soaking them through. 12 miserable kilometres crawled like bedraggled rats into a pension, all I can say is it is dry, everything including me is sopping wet. Three pathetic ...
The high point of Vigo
A brisk walk took us to the high point of Vigo. The Castro complex at the top of the hill overlooking the Ria de Vigo.
The views are great and you can imagine the great sea battles of yesteryear with canon balls being shot at the galleons below.
There is also the remains of where ...
Day 23 Padron
Awoke to rain slamming on the skylight, had breakfast with all but us 3 in dressing gowns very weird. Hit the road with rain slamming on us, Seven wet Kilometres later we found a cafe, joyfully huge cups of Coffee and our Mexican Girls we met the previous evening. They said we were their inspiration and insisted on lots of photos of me, can understand I inspire many ...
Day trip to A Guarda
... and and a half journey took us to the coastal town of A Guarda which is mainly a working fishing harbour. It's out of season now but we managed to find one place still open which sold seafood. Mussels, scallops and langoustines - excellent.
There is a lovely coastal walk towards the border with Portugal where the waves crash in from the Atlantic. It's pretty undeveloped here and full of atmosphere.
Day 22 Caldas de Reis
... where folks come to regain their health. Unfortunately it is to wet and cold to sample them. So best try the Vino instead. Heck Freddy is fraught lots of old folk in robes, little tiled rooms and nurses, lounges with card games and Tv's everywhere dark and dreary. Despite the peeing rain we hit the town for vino and Galician stew. Returned to the house of horrors to see everyone heading to bed. Breakfast will be ...


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Mercedes 480bhp C63 AMG coupe, with optional power upgrade, already has more than enough power to trouble its rear tyres. What happens when you remove some of that grip? Good things, that's what.
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Can you have too many new AMGs? No, you can't. This estate-ish, low-roofer probably answers a question no one has yet asked. But it goes like a randy rabbit and looks superb.
BMW M550d X Drive Road Test - /CHRIS HARRIS ON CARS
BMW M550d X Drive road test. It has more torque than the space shuttle and BMW claims it will do over 40mpg. BMW also says it won't be selling the car in the UK or the US, the places that DRIVE is most commonly viewed. But when something has 3 turbos, you've got to go drive it at 155mph: no?
Audi S4 v Audi RS4. Does Supercharging Rule? - /CHRIS HARRIS ON CARS
Can REVO Technik make a raggedy old S4 match the gorgeous new RS4? Drag race to find out.


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The Firm is proud to announce that Rhiannon Baker has joined our team as an Associate Attorney. Rhiannon brings significant depth to our practice gained through her years working in one of Tulsa's larger defense firms as well as her distinguished service as Law Clerk to the Honorable U.S. Magistrate Judge Paul Cleary. She will focus her practice in civil litigation, including representing clients in professional liability defense, construction and environmental litigation, and family law matters. Please check out Rhiannon's full bio here: Rhiannon K. Baker
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Definitions for mumpsimus
This page provides all possible meanings and translations of the word mumpsimus
Princeton's WordNet
a traditional notion that is obstinately held although it is unreasonable
"he still holds to the old mumpsimus that a woman's place is in the kitchen"
A person who obstinately adheres to old ways in spite of clear evidence that they are wrong; an ignorant and bigoted opponent of reform.
An obvious error that is obstinately repeated despite correction.
Chambers 20th Century Dictionary
mump′si-mus, n. an error to which one clings after it has been thoroughly exposed. [Corr. of L. sumpsimus, in the mass, by an ignorant priest who refused to correct it.]
Chaldean Numerology
The numerical value of mumpsimus in Chaldean Numerology is: 3
Pythagorean Numerology
The numerical value of mumpsimus in Pythagorean Numerology is: 9
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"mumpsimus." Definitions.net. STANDS4 LLC, 2017. Web. 24 Feb. 2017. <http://www.definitions.net/definition/mumpsimus>.


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I have searched and searched the Internet on this topic and seem to find mixed answers. My derm initially prescribed me tretinoin .025...comes in white and orange tube. Upon my request I asked her to bump me up to the highest percentage. She gave me a script for the .01...which comes in the green and white tube. I was confused to see a lower number so I thought I'd make sure there wasn't a mistake on either her part or the pharmacist's part. Can you clarify which one is the highest?
Is Tretinoin Gel .01 Stronger Than .025?
- llabosco
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Good Luck!
A St. Patrick's Day Story
By (author) Joan Holub
Illustrated by Will Terry
Format: Paperback
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Good Luck! by Joan Holub
Book DescriptionThe Ant Hill kids are back, and this time they are performing in a St. Patrick's Day parade complete with shamrocks and bagpipes! When a high-spirited leprechaun chase leads them to the end of a rainbow, the ants find a delightful surprise!
Buy Good Luck! book by Joan Holub from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9781416909552
(229mm x 152mm x 2mm)
Pages: 24
Imprint: Aladdin Paperbacks
Publish Date: 1-Jan-2007
Country of Publication: United Kingdom
Other Editions...
Books By Author Joan Holub
Nyx the Mysterious, Paperback / softback (June 2017)
The mysterious Nyx, Goddess of Night, enrolls at Mount Olympus Academy in this twenty-second Goddess Girls adventure!
Pallas the Pal, Paperback / softback (January 2017)
Pallas, the daughter of Triton and messenger of the sea, enrolls at Mount Olympus Academy.
Itty Bitty Kitty: Firehouse Fun, Paperback / softback (November 2016)View all books by Joan Holub
Ava and Itty Bitty Kitty take a trip to the firehouse, where Itty Bitty Kitty's penchant for trouble could make for an interesting visit.
» Have you read this book? We'd like to know what you think about it - write a review about Good Luck! book by Joan Holub and you'll earn 50c in Boomerang Bucks loyalty dollars (you must be a member - it's free to sign up!)
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The big VAIO, Toshiba and Fujitsu merger is still on
According to CEO of Vaio's parent company, a deal is likely to be signed by the end of March.
ICYMI: Space X's near-landing, Fukushima's new robot and more
Robots being robots, doing things only robots can do.
A newsletter a day keeps the FOMO at bay.
Toshiba's wrecking-bot will dismantle Fukushima
It will work where humans cannot.
Sony's smart light turns on the TV when you enter a room
The "Multifunctional Light" also works as an intercom and alarm system.
Toshiba thinks it has a Surface competitor in the DynaPad
It's nice enough that even the Microsoft Store is selling it.
Fujitsu spins out its PC and mobile divisions
Another sign that the PC and smartphone markets are slowly dying.
Toshiba Radius 12 review: A 4K laptop with compromises
It has one of the best screens of any notebook. Too bad about the battery life, though.
Toshiba to cut 6,800 jobs following accounting scandal
All the layoffs and a $4.5 billion loss come from its consumer electronics division.
Toshiba, Fujitsu and Vaio could merge their PC divisions
The PC industry is dying, so now comes the wave of rampant consolidation.


text: TabsArticle Panel on Dietetic Products, Nutrition and Allergies EFSA Journal: EFSA Journal 2015;13(7):4148 [16 pp.]. doi: 10.2903/j.efsa.2015.4148 Panel Members: Carlo Agostoni, Roberto Berni Canani, Susan Fairweather-Tait, Marina Heinonen, Hannu Korhonen, Sébastien La Vieille, Rosangela Marchelli, Ambroise Martin, Androniki Naska, Monika Neuhäuser-Berthold, Grażyna Nowicka, Yolanda Sanz, Alfonso Siani, Anders Sjödin, Martin Stern, Sean (J.J.) Strain, Inge Tetens, Daniel Tomé, Dominique Turck and Hans Verhagen. Acknowledgements: The Panel wishes to thank the members of the Working Group on Novel Foods: Paul Brantom, Karl-Heinz Engel, Marina Heinonen, Hannu Korhonen, Rosangela Marchelli, Bevan Moseley, Monika Neuhäuser-Berthold, Annette Pöting, Morten Poulsen, Seppo Salminen, Josef Schlatter, Hendrik Van Loveren and Hans Verhagen for the preparatory work on this scientific opinion. Contact: firstname.lastname@example.com Type: Opinion of the Scientific Committee/Scientific Panel On request from: European Commission Question Number: EFSA-Q-2014-00836 Adopted: 11 June 2015 Published in the EFSA Journal: 1 July 2015 Affiliation: European Food Safety Authority (EFSA), Parma, Italy Send Print Note: Read the article on the Wiley Online Library Abstract: Following a request from the European Commission, the EFSA Panel on Dietetic Products, Nutrition and Allergies (NDA Panel) was asked to carry out the additional assessment for UV-treated bread as a novel food (NF) in the context of Regulation (EC) No 258/97, taking into account the comments and objections of a scientific nature raised by Member States. The NF is bread to which a treatment with UV radiation is applied after baking in order to convert ergosterol, which is present in bread as a result of yeast fermentation, to vitamin D2. The provided compositional data, the specifications (i.e. vitamin D2 content of 0.75–3 μg/100 g in the UV-treated bread, 1–5 g/100 g of yeast in the dough) and the data from batch testing do not give rise to safety concerns. The data provided on the production process are sufficient and do not give rise to safety concerns. The Panel considers that even if it is conservatively assumed that all consumed breads are UV-treated and contain the maximum proposed amount of 3 µg vitamin D2/100 g, it is highly unlikely that tolerable upper intake levels for vitamin D, established by EFSA for various age groups, will be exceeded. The NF is not nutritionally disadvantageous. Under certain conditions, UV treatment may result in reactions of biomolecules. However, the levels of potential reaction products that may be formed under the employed conditions are low compared with the reactions induced by the baking process. Therefore, the Panel considers that it is not necessary to perform additional analyses and that the absence of toxicological studies with the novel food is acceptable. The risk of allergic reactions to the NF is not dissimilar to that associated with conventional bread. The Panel considers that bread enriched with vitamin D2 through UV treatment is safe under the conditions of use as specified by the applicant. © European Food Safety Authority, 2015 Keywords: novel food, bread, UV treatment, vitamin D Print on demand Number of Pages: 16


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I passed my last speed test on May12, 2016. My last day of court reporting school ever was May 27,2016. I will walk the stage August 3, 2016.
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I'M A DREAMER," says Wikipedia founder Jimmy Wales, "and what I do best is tell people about my dreams of what we can accomplish." He's also a draw. Wales makes hundreds of appearances each year, charging up to $75,000 for speaking engagements, though none of it goes directly to Wikimedia. (He remains on the Wikimedia board but has no day-to-day role.)
"That's my personal income," he says. Recent appearances include the Swiss Economic Forum in Interlaken and the Ambrosetti Forum in Lake Como, in Italy.
Much of his work is pro bono, traveling, for instance, to India to talk at universities that can only afford to offer him a plane ticket. Wales says he made 30 appearances in the past month and was paid for only one of them. Wikimedia executive director Sue Gardner says that the site derives enormous benefit from his world tour of appearances. "I consider myself and the foundation really lucky that he's willing to evangelize on behalf of the organization," she says.
A version of this article appeared in the April 2011 issue of Fast Company magazine.


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Roc Marciano
AG Da Coroner "Park Avenue" ft. Action Bronson and Roc Marciano
The Coroner catches bodies with some familiar faces.
Meyhem Lauren "Bonus Round" ft. Action Bronson and Roc Marciano
The three emcees get candid on the Harry Fraud-produced track.
The Dirty Sample "Three Sixty Five" ft. Roc Marciano
Three sixty five days of fresh Roc Marci courtesy of The Dirty Sample.


text:
Vol. 90, No. 1, February / March
Sign up to receive the Farm & Market Report via e-mail (send blank email)
In this issue:
Commissioner's Column - Gregory C. Watson
Special Guest Column - Dave Dumaresq
- Energy News
- New Folks on the MDAR Block
- Smile! MDAR Got Your Picture
- Maple Producers - Be Sure Your Info is Updated on MassGrown & Fresher
- Something to Smile About During Tax Time! Opportunity to Help Animals
- Agricultural Commissions Update
- Mass Dairy Promotion Board Grant Program
- The Urban Farming Conference This Saturday and Sold Out!
- NE Grows
- New England Agricultural Marketing Conference & Trade Show
- Ecological Landscaping Association 19th Annual Conference
- Growing Greens for the Winter Market Workshop Series
- 4th Annual UVM Extension Winter Hops Conference
- MAC's 12th Annual Winter Conference
- SBN Buy Local Trade Show and Seminar
Commissioner's Column
As you no doubt know by now, "Punxsutawney Phil" did NOT see his shadow this Groundhog Day, which means we should expect an early spring. I'm guessing that farmers don't make their plans around Phil's pronouncement, but I'd certainly wager that his prediction comes as no surprise to energy planners and environmental researchers whose job it is to think about how society will need to adapt to climate change.
At a recent MIT panel discussion to which I was invited to participate, MIT Professor Kerry Emanuel put it clearly, "…no one really cares if the temperature goes up a few degrees…. what we really care about are the side effects of that global warming."
Those side effects include drought, flooding, and more intense hurricanes – not to mention new invasive species. This means an uncertain and challenging scenario will be unfolding before our agricultural community – not just here in Massachusetts, but around the world.
The Patrick-Murray Administration has established itself as a national leader by developing a climate adaptation roadmap. The Commonwealth has set goals to reduce emissions 25 percent below 1990 levels by 2020 and 80 percent by 2050.
How will Massachusetts's agriculture respond to a changing climate? No one can say for sure but the fact that our state is not a large commodity-based agricultural system has huge advantages. Our 7,700 farms tend to be small, diversified, and thus better able to adapt to external conditions than energy-intensive monoculture systems. I look forward to conversations at the local, state, and federal level that will build even greater degrees of resiliency into our agricultural sector.
But a truly sustainable local food system here in Massachusetts will not happen on good will and enthusiasm alone. It will require capital investment. We need to integrate more alternative energy sources like wind turbines, solar panels, and anaerobic digesters into our farm operations. We need to continue to preserve our prime agricultural lands and ensure responsible stewardship of the 68,000-plus acres of agricultural land that has been permanently preserved to this point. We need efficient and affordable transportation infrastructure so that every resident in every corner of the state has access to healthy, locally grown food. We need hoop houses, rooftop greenhouses, and other innovative techniques that will extend our growing season. We need resources to train the next generation of farmers, ensure best management practices, and to prevent invasive species like the Asian Longhorned Beetle and Plum Pox Virus from threatening our agricultural assets. And, we should be looking at every arable surface and ask "Why not here?".
Smart growth revenue streams and venture capital can lead this kind of strategic thinking and innovation. In my travels around the state, I am seeing a great deal of interest from private investors and philanthropies in sustainable agriculture as a means of strengthening our economy and our communities while enhancing our quality of life.
MDAR is also confident that the Governor's FY14 budget will enable us to keep pace with the cost of maintaining current programs (this is in large part thanks to a combination of advocacy from our ag community and unprecedented support from the Patrick-Murray Administration).
For the Executive Office of Energy and Environmental Affairs (EOEEA) of which MDAR is a part, the Governor's budget represents a more than $21 million / 10% increase over the amount available (post-9C) in FY13 and $17 million / 8% increase over FY13 (initial) GAA.
While much of the Governor's revenue proposals for FY14 highlight transportation and education, they are also helping EOEEA in very important ways. In terms of advocacy it's important to note that the funding level being proposed this year for EOEEA would simply not be possible without revenue growth. Continued support from the agricultural community for the Governor's overall budget is critical.
In the meantime, I invite you to peruse below the many exciting events and stories happening throughout the state related to agriculture. I am pleased (but not surprised) to report that passion for locally grown continues to grow. By way of example, the February 9 Urban Farming Conference (see below) in Roxbury is completely sold out and has a waiting list! As an attendee at a Farm to School event in Sandwich commented as we dined on our locally-sourced lunch: "Local Agriculture is HOT!"
Gregory C. Watson, Commissioner
PS. With the Superbowl yesterday, my favorite ad was on the work of a farmer: www.farms.com
Special Guest Column
by Dave Dumaresq
CSA: New way of marketing or new way of farming
I had been thinking of Community Supported Agriculture (CSA) for about five years before I first started my own. At the time I was leasing a farm with a farmstand on a busy road and was also bringing my produce to several farmers' markets. But as I was already marketing most all of my product directly, there didn't seem a lot of reason yet for me to pursue a CSA business model.
Things changed when I bought my own farm in 2006. The thought of not having the farmstand, but still having the monthly mortgage to pay left me feeling financially vulnerable. That next year, I decided to start my own CSA and it has grown every year since. If my new farm had been in a different location or if there had been no mortgage, I cannot say if my CSA would exist today. Adversity is the father of innovation!
Since colonial times, Massachusetts's agriculture has been cutting edge not only in production systems, but also in distribution systems as evidenced by our state being amongst the top ten nationally in farmland protection and in direct marketing such as farm stands, PYO's and farmers' markets.
Community Supported Agriculture is relatively new to the direct marketing scene. While direct marketing tends to shrink the value chain, the CSA tends to shrink that value chain even more. With seasonal prepayments by customers, the financing costs are often removed, as is the need for the lenders. Most of the R&D is often done in-house, originating from member feedback and allowing for a faster response to trends in the market. The shipping costs are removed or reduced eliminating the need for some trucks on the road. The inevitable shrinkage involved in putting product on retail display is removed – thus adding efficiencies. Most advertising costs are eliminated since the customer does not need to be reminded that they should buy an in-season product every week.
The CSA reorganizes economies in favor of the farmers and the consumers. In fact, the CSA model can make the food system work much more efficiently. The farm is more viable and better able to provide the food that the consumer is requesting rather than the food that the market is requesting.
In the CSA model the farmer is encouraged to "grow to feed the members" rather than "grow for the market". The advantage is that the farmer makes a commitment to the season beforehand and into which the share member buys. The farmer is driven to give the best share possible so that members will renew their membership the following year. This longer term approach tends to create a healthier product and a more sustainable system.
Free from most government standards and regulations, the CSA has grown "organically". As a result, CSA has evolved to include as many different approaches as there are farmers. CSA was originally food from a single farm. With its current growth in the marketplace, the CSA is taking on new farms. With endless iterations as to how a CSA is defined (local, organic, diversified products, etc.), there are many unanswered questions to the future integrity of the movement. Certainly its success and long-term viability will be driven by its members who if they like what they receive during the season will sign on for the next.
The recent movement away from the modern food system is putting pressure on our food system to correct itself. Yet, that correction will be slow and for many it will never be sufficient. Massachusetts farmers will continue to adapt to the changes that surround them. The CSA model has been extending out into many areas of Massachusetts agriculture (there are over 144 locations currently throughout the state). We have CSAs not only providing vegetables, but now also fruit, flowers, seafood, meat, honey, and maple syrup. Multiyear crops such as firewood and Christmas trees should soon be added to the list. With the ingenuity of Massachusetts agriculture, the question becomes not only "what system will they think of next", but also "what system will they go back to next"?
Since his youth selling his families pears off a small trailer at the end of his parents driveway, to his teenage and college years working on local fruit and vegetable farms, to his post college years as a crop extensionist with a Peace Corps in Ecuador, Farmer Dave has been passionate about growing healthy food for everyone. When Farmer Dave returned from the Andes in 1997, he continued to grow a wide array of over 100 different fruits and vegetables on rented farms. In 2006 he purchased his own APR preserved farm and now grows on 90 acres. He offers his products at his two farms stands: the Brox Farm in Dracut and the East Street Farm in Tewksbury. Farmer Dave also spent time in the Republic of Georgia building a program that tripled the winter greenhouse vegetable production of the country and helping to create jobs while also teaching organic methods and helping to improve the health of the people.
Farmer Dave and his experienced staff grow nutrient rich strawberries, raspberries, apples, melons, sweet corn, tomatoes, carrots, beets, potatoes, cucumbers, beans, romanesco, arugula, lettuce, spinach and a variety of ethnic crops. His product can be found at several farmers' markets in Eastern Massachusetts. But his CSA program gives Farmer Dave his closest connection with those who savor the labors of his nurturing soils. Members from more than a dozen communities receive a weekly share of the harvest for nine months of the year. Though he enjoys helping others in the global community to create their own healthy and sustainable food system, Farmer Dave is happiest growing for his own community. www.farmerdaves.net/
Energy News
New Net Metering "System of Assurance" Has Begun
The Massachusetts Department of Public Utilities (DPU) has adopted a new process to admit renewable energy projects for net metering purposes. This "System of Assurance" will ensure an eligible net metering project a place in the net metering queue while the project is being implemented. This is different from the past where projects were admitted into net metering only after the project was constructed, commissioned and feeding electricity into the grid and if there was still room in the net metering cap.
For net metering projects that have an interconnection service agreement and are about to begin construction, the state has developed a "System of Assurance" of Net Metering Eligibility. The "System of Assurance" has begun accepting applications on January 24, 2013. An application must be filed to secure a project's eligibility for net metering, which is a state incentive program that has a maximum cap. The System of Assurance will be implemented by the Cadmus Group, Inc. as an internet-based application process to be located at the website: www.massaca.org (live next week). Cadmus will provide support to applicants through the website, through a new electronic distribution list ("list-serv"), and through a web-based seminar ("webinar").
For those farms that are in the process of installing an eligible, net metering renewable energy project, please contact your installing contractor regarding your need to be part of this new process.
For details and important dates in January, please refer to the official DPU Memorandum (click here), and if you have questions, please contact the Hearing Officer at the contact information listed below:
Laura C. Bickel, Hearing Officer
Commonwealth of Massachusetts
Department of Public Utilities
1 South Station, 5th Floor
Boston, Massachusetts 02110
Office: 617-305-3588
Commonwealth Outdoor Hydronic Heater Change-Out Program
The MA Clean Energy Center (MassCEC) and the MA Department of Energy Resources (DOER) will distribute grants of up to $15,000 (but not to exceed 100% of the equipment and installation costs), to replace problematic and nuisance OHHs.
Application Deadline: 3 PM, February 22, 2013. For more information, please refer to MassCEC website.
Both programs are part of the wider Commonwealth Biomass and Heat Pump Pilot Program, which includes incentives toward pellet stoves, heat pumps and wood boiler replacements. To be notified of program updates, please contact the MA Farm Energy Program (MFEP) at firstname.lastname@example.com.
USDA/NRCS EQIP Funding Announcement - For Farm Energy Upgrades
NRCS recently announced their new rounds of funding as part of the Environmental Quality Incentives Program (EQIP), which helps to support on-farm energy conservation. The first application deadline was December 21, 2012. The second application deadline will be February 15, 2013.
Some of the eligible technologies include:
- Maple Producers - Efficient evaporators, steam enhanced units and reverse osmosis.
- Greenhouses and Nurseries - Efficient heating systems, energy screens, and HAF.
- Dairies, Orchards and Vegetable Farms - Additional measures may be supported including electrical efficiency upgrades.
For more information please see the following link and refer to "Energy" listings on the page: www.ma.nrcs.usda.gov/programs/eqip/documents.html
Farms interested in applying are required to meet NRCS eligibility requirements.
To find out more about NRCS eligibility or to apply, please contact your local NRCS field office or get more information and updates on their website.
New Folks on the MDAR Block
Catherine de Ronde joins the team as MDAR's Agricultural Economist. Catherine has a M.S. degree from UCONN in Resource Economics with a focus in integrated watershed management and policy. Her graduate research focused on economic models – determining the socially optimal allocations of water amongst competing users specifically municipal and agricultural users. Catherine will be working with staff and the Massachusetts farming community to analyze and communicate the economic impact of MDAR's initiatives. She has already started examining below cost for dairy; direct marketing; and, urban agriculture.
Tara G. Zadeh, Esq. joins MDAR as General Counsel to serve as Chief legal advisor for the MDAR and the State Mosquito Reclamation Board. Tara's experience includes serving as Senior Counsel at the Nature Conservancy; General Counsel for the LSP Board at DEP; and General Counsel at the Massachusetts Department of Food and Agriculture (1989 – 1997). Tara's prior knowledge-base of MDAR's agricultural programs and services gives the Legal Services team the ability to "hit the ground running" as it lends its expertise to the challenges and opportunities of the Commonwealth's agricultural sustainability.
Smile! MDAR Got Your Picture
Noli Taylor with daughter Tilly, Commissioner Greg Watson and Ali Berlow in attendance at the soon-to-be-formed Cape and Islands Farm to School Network meeting held February 2nd, Camp Burgess, Sandwich. Well more than 60 people from across the region participated – from parents, farmers, teachers, and school administrators. Said Commissioner Watson, "The enthusiasm was infectious!"
Maple Producers - Be Sure Your Info is Updated on MassGrown & Fresher
Connecting consumers to Massachusetts producers and vice versa is an important part of our mission. The online MassGrown map is a popular tool for the public to find you. As a producer, you are eligible to "reap" the many benefits of being part of our award-winning MassGrown & Fresher initiative.
What's to reap?
- MassGrown & Fresher is your gateway to farm products, specialty foods, and fun "ag-tivities"
- One of the biggest advantages of joining MassGrown is the powerful prominence the website enjoys via Google searches
- Easy to use: the site is simple to navigate and find what you're looking for
- One-stop shopping – Massachusetts grown and produced products are all here at one convenient place
- More and more popular every month! Many media sites now link to MassGrown & Fresher as a go-to resource; and, monthly site visits continue to increase
- MassGrown & Fresher recently received a "Bright Ideas" award from the Ash Center for Democratic Governance and Innovation at the John F. Kennedy School of Government, Harvard University
- In November 2012, mentioned in Government Technology Magazine
If you would like to be included on our Agri Google Map, please click here (.pdf, .doc) for our Farm Marketing Survey. Already a part of MassGrown? Make sure your information is up-to-date on our map. Send updates/edits to Rick LeBlanc: email@example.com. If you host special events that you would like to be featured on our MassGrown calendar, send to Julia Grimaldi, Julia Grimaldi,@state.ma.us. For Twitter users, follow us on @MassGrown.
Something to Smile About During Tax Time! Opportunity to Help Animals
Now, Something to Smile About During Tax Time! - your 2012 tax form gives you the opportunity to help animals.
The Homeless Animal Prevention and Care Fund is part of a new law that took effect on October 31, 2012. Massachusetts residents may now check off a donation on Line 32f of their 2012 tax return; contributions to this fund will:
- Help reduce the number of homeless cats and dogs by spaying/ neutering and vaccinating animals in shelters and animal control facilities
- Assist families who would not otherwise be able to affort these services for their pets
- Provide training to municipal animal control officers so that they can safely and effectively protect animals and people in their communities
The text of the authorizing statute can be found here: www.malegislature.gov/Laws/SessionLaws/Acts/2012/Chapter193
Agricultural Commissions Update
Interest in Agricultural Commissions (AgComs) continues to grow and now is the time to take action if your community expects to go on record as supporting agriculture.
What are AgComs doing? They serve as a resource to town boards and staff on development proposals, farmland protection, energy programs, and agricultural inventory; Serving as a resource to farmers and residents by assessing agricultural needs, adopting local Farm Preservations bylaws, starting local Farmers' Markets, obtaining technical assistance on nonpoint source pollution, conservation farm planning, manure management, environmental stewardship, providing conflict resolution on farm related disputes, agricultural exemptions, informational brochures, hosting educational workshops on intergenerational transfer of property, farm viability, Chapter 61 lands, and Agricultural Preservation Restrictions to name a few.
To get started, ask for a toolkit, including sample warrant articles, set up an informational meeting by contacting Peter Westover: email@example.com, 413-665-4077 or Cheryl Lekstrom, firstname.lastname@example.com, 508-835-2452. The website, www.massagcom.org is under construction, but additional information may be found at www.mass.gov/eea/agencies/agr/boards-commissions/agricultural-commissions.html.
Helpful resources include board members of the Massachusetts Association of Agricultural Commissions (MAAC). Dick Ward, President MAAC, firstname.lastname@example.com.
The MAAC Annual Meeting with workshops is being held:
Saturday, March 2, 2013
Sturbridge Host Hotel, 366 Main St., Sturbridge, MA
Registration 9:30 AM
Sessions start at 10:00 AM
lunch and annual meeting 12:00 noon
Sessions 1:15 - 4:30 PM
Social 4:30 PM
RSVP by February 15, 2013, Cost $30.00 conference & lunch, Cost $20.00 lunch & annual meeting only
Make checks payable to MAAC, and mail to: Laura Sapienza-Grabski, 2 Brookview Road, Boxford, MA 0192. Questions, contact Laura at firstname.lastname@example.com, 978-887-2431.
Mass Dairy Promotion Board Grant Program
The Massachusetts Department of Agricultural Resources ("MDAR") and the Massachusetts Dairy Promotion Board ("MDPB") are soliciting proposals for projects that advance the image and sales of, and demand for Massachusetts dairy products. This grant program is for public entities, 501 (c) (3) and 501 (c) (6).
The following project areas will be considered for grant funding: Promotional activities that advance the image and sales of, and demand for Massachusetts dairy products generally (non-branded promotions); Research activities including, but not limited to, studies testing the effectiveness of market development and promotion efforts, studies relating to the nutritional value of milk and dairy products and other related efforts to expand demand for dairy products; or Education which includes those activities intended to broaden the understanding of sound nutritional principles, including the role of milk and dairy products in a balanced diet. Contact firstname.lastname@example.com with questions.
Proposal deadline is March 5, 2013. Apply here: RFR
The Urban Farming Conference This Week and Sold Out!
The Urban Farming Conference is being held on Saturday, February 9, 2013, 8:30 am - 4:00 pm at the Reggie Lewis Center in Roxbury and is presented by City Growers and Urban Farming Institute of Boston and in partnership with Massachusetts Department of Agricultural Resources (MDAR). The event is SOLD OUT.
The annual Massachusetts Urban Farming Conference (UFC) is designed to advance the opportunities and address the barriers involved in cultivating a thriving urban farming sector. The UFC is a forum to share information regarding what is currently happening in Boston and other local urban communities and to map out a vision for urban farming in Massachusetts. Boston and other local urban communities in Massachusetts have the potential to offer a fresh, local, and healthy food supply while promoting economic and environmental sustainability, as well as healthy communities, employment at livable wages, food security, youth engagement and more.
Commissioner Greg Watson will be leading the Urban Farming Thought Leader discussion and several MDAR staff will be participating in the daylong conference. The Urban Agriculture Life Time Achievement Award will also be presented. Special guests Eliot Coleman, Organic Farmer, Four Season Farm and Malik Yakini, Executive Director, Detroit Community Food Security will be offering Keynote remarks.
Link to the event page: http://www.eventbrite.com/event/4701198411
The conference will bring together many practitioners and entrepreneurs who will share and learn with community leaders, investors, and representatives from government agencies, all with a focus on investing in urban farming. Though this event is sold out, there is a follow up conference being planned for October 24, 2013, which is also the 3rd annual "Food Day", a national event being celebrated state wide.
NE Grows!
February 6-8, 2013
Boston Convention and Exhibitor Center, Boston, MA
The Northeast's leading horticulture trade show and green industry seminars await you at New England Grows, one of the largest and most popular horticultural and green industry events in North America.
New England Grows connects 13,000+ green industry professionals with the brightest horticultural ideas, hottest selling plants, latest green industry technology, and best outdoor equipment at its 1,100+ booth horticulture tradeshow.
Add to that dozens of ground-breaking green industry seminars led by world-renowned experts, and you'll understand why New England Grows is the ultimate green industry event for you and your business.
Details and registration at www.newenglandgrows.org/.
Visit the MDAR booth at #454 and get a free ALB tote bag!
New England Agricultural Marketing Conference & Trade Show
February 27 - 28, 2013
Sturbridge Host Hotel, Sturbridge, MA
The Harvest New England Agricultural Marketing Conference & Trade Show is once again coming to Sturbridge, MA in February 2013. This is the 4th biennial New England conference and it draws hundreds of farmers and farm industry members to idea-laden workshops and to hear motivational speakers. Mark your calendars now and join your fellow regional agriculturists for a jam-packed program!
The theme of the 2013 conference is Making "Cents" in Today's Marketplace. Attendees will find 26 workshops on topics such as marketing, agri-tourism, social media, financing and more. There will be a panel discussion with the agricultural chiefs from each of the New England states. Don't forget the trade show with a large variety of agricultural vendors and the New England Farmers' Market Managers Workshop.
Keynote addresses will feature Roberta MacDonald, Senior VP for Marketing at Cabot Cooperative Creamery. MacDonald has over 30 years of experience in consumer products and trade marketing including 20 at Cabot.
Also providing a keynote address is Bob Burke, Co-Founder of the Natural Products Consulting Group. Burke helps to bring all categories of natural, organic and specialty products to market. Prior to this, he served 11 years as the VP of Sales and Corporate Development at Stonyfield Farm Yogurt.
Early Bird registration is now open until February 7th. Click here for more information. Program details and lodging options are also available at this site. Register early for the best deals!
Harvest New England (HNE) is a cooperative marketing program created by New England's state departments of agriculture in 1992. It has sponsored this regional conference since 2007. For more information, contact David Webber, 617-626-1754, firstname.lastname@example.com.
Ecological Landscaping Association 19th Annual Conference
February 27 and 28, 2013. Springfield, MA
Build your ecological connections at ELA'S 19th annual Conference, Sustainable Habitats: Building Ecological Connections. Admission includes educational sessions and workshops, Continental breakfast and lunch, Jazz Social Hour, and networking opportunities throughout the day.
Wednesday offers two intensive workshops. Ecological Systems + Design = Living Spaces explores the interplay of soil, water, soil, and habitat in creating landscapes. Local Food, Local Landscapes looks at integrating and sustaining edibles in the landscape. Optional Keynote Dinner features Jeff Lowenfels, author of Teaming with Microbes, A Gardener's Guide to the Soils Food Web.
Thursday's educational lineup includes three concurrent education tracks - two tracks with classroom-style sessions and one track of panel discussions - covering a wide range of topics relevant to ecological landscape design and maintenance. Optional Keynote Dinner features Rebecca McMackin, Brooklyn Bridge Park Horticulturist.
For additional information and registration, visit www.ecolandscaping.org/conference.
Growing Greens for the Winter Market Workshop Series
This workshop series takes place at farms throughout Massachusetts doing commercial winter production and one homestead doing home-scale production. All seven workshops will present options for greenhouses, information on growing systems, timing for winter greens, information on selecting appropriate varieties for winter greens, using row covers and microclimates, and crop rotation in the greenhouse. Additionally, all of the commercial workshops will discuss their marketing approaches including winter CSAs, winter farmers' markets, and/or restaurant sales.
Workshops are $25 for NOFA members; $30 for non-members. An additional $5 discount applies for registering at least 14 days before each workshop. Click here for online registration or the mail in registration form.
List of Winter Growing Workshops in Winter 2013:
Continuous and Efficient Production through Winter - February 7 - 10:00 am to 12:00 pm
Natick Community Organic Farm, Natick, MA. Instructor: Jean-Claude Bourrut and Jill Shea
Farm Systems for Harvesting Food Every Season - February 9 - 9:00 am to 12:00 pm
Simple Gifts Farm, North Amherst, MA. Instructor: Jeremy Barker-Plotkin
Ten Month Salad Greens on a Small Piece of Land - February 16 - 9:00 am to 12:00 pm
Kittredge Farm , North Brookfield, MA. Instructor: Dan Kittredge
Producing Greens for Winter CSA - February 23 - 9:00 am to 12:00 pm
First Light Farm, Hamilton, MA. Instructor: Mike Raymond
Producing for Various Winter Greens Markets - March 2 - 9:00 am to 12:00 pm
Indian Line Farm, South Egremont, MA. Instructors: Elizabeth Keen and Pete Salinetti
Growing Greens on Homestead Scale - March 9 - 9:00 am to 12:00 pm
Noonday Farm, Winchendon Springs, MA. Instructors: Bob Jennings and Beth Ingham
High Tunnels for Winter and Spring Greens Production - March 16 - 1:00 pm to 4:00 pm
Brix Bounty Farm, Dartmouth, MA. Instructor: Derek Christianson
Details on sessions at www.nofamass.org/events/type/winter.
4th Annual UVM Extension Winter Hops Conference
February 22, Essex, Vermont, 9 am – 4:30 pm
With support by the MDAR, featured speakers include Graham Ollard, a hops consultant the Yakima Valley in Washington will speak on fertility and pest management in hops. Krista Delahunty & Jason Johnston of Aroostook Hops in Westfield, Maine will discuss the results of their Northeast SARE Farmer grant, which evaluated the impact of cover crops and irrigation on hop yields. Colorado organic hop farmer, Rich Andrews, will present on his innovative solar hop and herb dryer design, as well as his experiences with growing organic hops. Join Vermont Pub and Brewery and Bobcat Café and Brewery as they facilitate an educational sensory panel to highlight the importance of proper drying and storage techniques. Also learn about the latest hop research results from the NW Crops and Soils Team. Varietal evaluations, pests, fertility, and cover crops will be discussed. The conference flyer provides more details: www.uvm.edu/extension/cropsoil/wp-content/uploads/2013-Hops-Conference-flyer-4.pdf.
To register: www.uvm.edu/extension/hopsconference
MAC's 12th Annual Winter Conference
Saturday, March 9, 2013, Paul R. Baird Middle School, Ludlow, MA
Massachusetts Agriculture in the Classroom (MAC) will hold its 12th Annual Winter Growing Minds Through Massachusetts Agriculture Conference. This year, for the first time it is being co-sponsored with the Connecticut Agriculture in the Classroom Program. There will be four workshop sessions, with eight con-current workshop choices in each session related to the many different aspects of agriculture in the classroom. Each will be taught by a teacher or farm educator. The fee for the conference; all materials; breakfast snack; lunch from Randall's Farm in Ludlow, and professional development is $50. See the full workshop schedule below and visit the MAC website to read a description of each workshop or print a schedule.
Registration Scholarships are available for new teachers, urban teachers and farm-based educators thanks to a grant from the Northeast Farm Credit AgEnhancement Program. These scholarships are open to both Massachusetts and Connecticut teachers. Read the Scholarship guidelines or fill out an application form.
Thanks to Massachusetts Department of Agricultural Resources for providing funding to support the school gardening workshops through a Specialty Crops Grant.
Complete workshop schedule and registration at : http://aginclassroom.org/
SBN Buy Local Trade Show and Seminar
Tuesday, March 19, Seaport World Trade Center, Boston, 8:30 am - 12:30 pm
Sustainable Business Network of Massachusetts (SBN) is excited to announce its second Buy Local Food Trade Show and Seminar --Connecting local food growers and producers to local wholesale buyers. This event is designed to facilitate connections and stimulate trade between local buyers and sellers of specialty crop food products and includes expert panels on overcoming barriers to selling and buying local products and open floor trading. This event is organized by SBN in partnership with the MDAR, Northwest Atlantic Marine Alliance (NAMA) and Health Care Without Harm's Healthy Food in Healthcare Program (HCWH). SBN Buy Local Trade Show space is sponsored by Seaport World Trade Center and the Trade Show is supported in part by a grant from the Massachusetts Department of Agricultural Resources. SBN's first Buy Local Trade Show, held in 2010, was well attended and resulted in the Boston Convention and Exhibition Center, among others, developing important new relationships with local food producers and farmers. A recap of the event is highlighted here.
This years SBN Buy Local Trade Show and Seminar will attract:
- Massachusetts and New England-based specialty and non-specialty crop growers, fishermen, and value-added producers who are looking to connect to buyers
- Massachusetts and New England-based buyers including college and healthcare institutions, restaurants, retail grocers and more
- Exhibitors that support or do business with food growers, producers or buyers
SBN is currently looking for interested buyers, sellers, exhibitors, panelists, and volunteers. For more information on participating and to register for this year's Trade Show, click register here.
Please help us spread the word by forwarding this information to anyone you think may be interested in participating as a buyer or seller at this event! If you have any other questions regarding registration, please email Jessica at: email@example.com or call 603-465-8255.
USDA News
USDA Finalizes New Microloan Program
Microloans up to $35,000 aim to assist small farmers, veterans, and disadvantaged producers
Agriculture Secretary Tom Vilsack announced recently a new microloan program from the U.S. Department of Agriculture (USDA) designed to help small and family operations, beginning and socially disadvantaged farmers secure loans under $35,000. The new microloan program is aimed at bolstering the progress of producers through their start-up years by providing needed resources and helping to increase equity so that farmers may eventually graduate to commercial credit and expand their operations. The microloan program will also provide a less burdensome, more simplified application process in comparison to traditional farm loans.
The new microloans, said Vilsack, represent how USDA continues to make year-over-year gains in expanding credit opportunities for minority, socially-disadvantaged and young and beginning farmers and ranchers across the United States. The final rule establishing the microloan program will be published in the January 17 issue of the Federal Register.
Administered through USDA's Farm Service Agency (FSA) Operating Loan Program, the new microloan program offers credit options and solutions to a variety of producers. FSA has a long history of providing agricultural credit to the nation's farmers and ranchers through its Operating Loan Program. In assessing its programs, FSA evaluated the needs of smaller farm operations and any unintended barriers to obtaining financing. For beginning farmers and ranchers, for instance, the new microloan program offers a simplified loan application process. In addition, for those who want to grow niche crops to sell directly to ethnic markets and farmers markets, the microloan program offers a path to obtain financing. For past FSA Rural Youth Loan recipients, the microloan program provides a bridge to successfully transition to larger-scale operations.
Producers interested in applying for a microloan may contact their local MA Farm Service Agency office.
Classified Ads
- Position Open: Cricket Creek Farm, Farm Manager. Cricket Creek Farm is a grass-based dairy in Williamstown, MA, milking 30 Brown Swiss and Jerseys. All milk is used on-farm for producing award-winning cheeses and raw milk sales. The Farm Manager will work in a collaborative environment with the General Manager and Creamery Manager to oversee daily operations. More information can be found here.
- Central MA Farm for Lease: 8.5 acres includes 3-4 bedroom farm house, 2 bay garage, 2-stall horse barn, pond, workshop, commercial greenhouse, mature lavender crop. $1,500/mo. Town of Oakham, Quabbin Regional School District, 20 minutes from Worcester. Available for cultivation upon signed agreement, available for occupancy May 1 or earlier. Includes appliances, large screened porch and deck, gardens, sunroom, frost-free hydrants, total privacy. Ideal for hobby farmer or beginning grower. Owners reserve right to inspect and approve all pets and livestock, crops, and can offer agricultural technical assistance within reason. 508-882-3777, leave message.
- CSA Manager Position: Weir River Farm, Hingham MA. CSA Manager has management responsibility for an established Community Supported Agriculture operation at Weir River Farm, a property of the Trustees of Reservations. Responsibilities include crop production planning and management, staff supervision, budget management, planning, marketing, procurement, and shareholder relations. The CSA Manager reports to the Superintendent of the South Shore Management Unit and works closely with other non-CSA farm staff. The position is full-time year round with a seasonally variable work schedule. There are currently 4.5 acres available for vegetable production. Details here.
- Agricultural Excavation – Grading Services - provide earth moving, drainage, land/pasture reclamation, greenhouse preparation, and rock raking services. Includes but not limited to orchards/equine facilities/cranberry bogs/nurseries.Chris Merrill Excavating, email@example.com, 978-897-9977.
- NOFA Certified Organic Hay: High quality 1st, 2nd, and 3rd cut in small square bales. Delivery available. Williamstown. 413-458-3424 or firstname.lastname@example.com.
How to Place a Classified Ad
Classified ads are accepted free-of charge on a first-come basis. Be sure to include a phone number. No display ads will be accepted. Only one ad per business/individual per issue, unless space permits. Ads may run in consecutive issues, space permitting. Ads must be of interest to Massachusetts farmers. The Massachusetts Dept. of Agricultural Resources (MDAR) reserves the right to refuse any listing it deems inappropriate for publication. E-mail, fax or mail ads to: Farm & Market Report, MDAR, 251 Causeway Street, Suite 500, Boston, MA 02114, fax: 617-626-1850, firstname.lastname@example.com.
About the Farm & Market Report
Published bi-monthly by:
Commonwealth of Massachusetts
Executive Office of Energy and Environmental Affairs
Department of Agricultural Resources
|Boston Office:
251 Causeway St., Suite 500,
Boston, MA 02114
617-626-1700, Fax: 617-626-1850
|Amherst Satellite Office:
101 University Drive, Suite C4
Amherst, MA 01002
413-548-1900, Fax: 413-548-1901
- Gregory C. Watson, Commissioner
- Anna Waclawiczek, Chief of Staff
Division Directors
- Rose Arruda, Director of Outreach and Events, email@example.com
- Michael Cahill, Director of Animal Health, email@example.com
- Lee Corte-Real, Director of of Crop and Pest Services, email@example.com
- Mary Jordan, Director of Agricultural Markets, firstname.lastname@example.com
Gerard Kennedy, Director of Agricultural Conservation and Technical Assistance, email@example.com
Next issue to be published for April / May. Please send news, calendar and/or classified information by March 29 to firstname.lastname@example.com, or fax to 617-626-1850. To unsubscribe or change your address, send an e-mail message to firstname.lastname@example.com or call 617-626-1759.


text: Thai Medical and its staff are excited to announce that we have relocated our practice into an innovative new medical suite in Tong lo. Thong lo is also Called Sukhumvit 55,Tong Lo or Thonglor (ทองหล่อ in Thai ) and is centrally located in the trendy Up-Town Bangkok area. Our new center is specifically designed to fit the needs of our international clients visiting Thailand for medical treatments ranging from plastic surgery , dental care ...Continue Reading →


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An alert was declared, Thursday afternoon, in the Shomron (Samaria) Jewish community of Yitzhar, after Arab and leftist photographers positioned themselves next to a house in the nearby village of Assira Ak-Kabila.
Sources in Yitzhar believe it's a provocation by Arabs and Israeli leftiststs to incite demonstrations in the area.
Tags:Judea and Samaria, Yitzhar, alert


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Michigan Silverback RV Dealer5th Wheel (7)
We offer a large selection of Silverback RVs at our Lansing, Michigan dealership. The Silverback RVs are manufactured by Forest River and can be seen any time at our location. You can buy a new Silverback RV from our RV dealership or have it shipped anywhere in the world. If you don't see the RV you are looking for we can custom order one for you today. Call us today!
Michigan Forest River Silverback DealerOur dealership receives new Silverback RVs daily. If you don't see the RV you are looking for, use the Custom Build an RV section to design your own new Silverback manufacturer Forest River RV.
Silverback RV Inventory (10)
Silverback RV Floor Plans
Manufacturer: Forest River RV2017 Models (7)
Silverback RV Options/Packages
Baltimore Creme
Silverback Edition Package
True Gelcoat Exterior Walls & Cap, Hehr Automotive Frameless Windows, Friction Hinge on Entry Door, Black A&E Metal Weather Shield for Awning, LED Lighting Under Awning, Quad Entry Step, 50 AMP Cord Reel, 3 Battery Compartment, King Satellite Prep to Roof & Docking Station, New LG Countertops, Stainless Steel Sinks, Recessed Stove Top w/ Glass Cover, Upgraded Kitchen Faucet, New 4" LED Lighting, 48" LED TV in Living Room, Upgraded Stereo with Bluetooth, New Congoleum Plank Flooring, 19 cu ft Stainless Steel Electric Refrigerator with Dedicated 1000 Watt Invertor (n/a 29IK), Shaw Carpet w/ Rebond Pad, Full Panel Backsplash, Fireplace, Deluxe Roller Shades, Central Vac System, New Feature Wallboard, Self Closing Drawer Guides, Ceiling Cove Molding, Chestnut Stained Maple Cabinetry, Upgraded La-Z-Boy Furniture Package, Full Glass Mirror/Medicine Cabinet in Bathroom, LP Lav Top with Formed Sink(s), 32" LED TV in Bedroom, Bedspread & Pillow Shames, Matching Window Treatments, Large Mirrored Closet Doors
Automatic 6 Point "Level-Up" Hydraulic Leveling System
15K BTU Whisper Quiet Low Profile Ducted 2nd A/C w/ Cold Air Returns
(1) Slide Room Awning Topper - Kitchen Slide Only (n/a 37BH)
Solar Prep
200W Solar Panel (prep included)
Congoleum Flooring in Living Room
Dometic 2 Door Gas/Electric Refrigerator (standard in 29IK, optional in 29RE)
20 cu ft Stainless Steel Electric Refrigerator with Icemaker
Side x Side Refrigerator with Raised Wood Fronts - Gas/Electric (n/a 29IK, 29RE)
Washer & Dryer Prep
Splendide Stackable Front Loading Washer & Dryer (includes prep)
Splendide Combination Washer & Dryer with Vent Kit (includes prep)
Create A Breeze Fan / Power Lift, Thermostat & Rain Sensor - Bedroom (n/a w/ 2nd A/C Option)
Matching Ottoman with Interior Storage
Matching Theater Seating IPO La-Z-Boy Recliners
Power Matching Theater Seating IPO La-Z-Boy Recliners
Dinette Booth IPO Freestanding Table & Chairs
Serta King Winding Road Bed Replacing Queen Bed
Hanford Luxury Queen Mattress by Serta
Hanford Luxury King Mattress by Serta
Dual Pane Tinted Windows
Wireless Rear Camera System
1-1/4 inch Bike Rack Hitch Receiver
Carbon Monoxide Detector
RVIA Seal
Standard Features
- "Quiet Zone" ducted 15,000 "HP" (high performance) air conditioner with circular motion ductwork and cold air returns. The larger compressor on this AC pushes 30% more air into the coach.
- Attic vents
- Braced and wired for second air conditioner
- Enclosed and insulated underbelly with 12 volt heating pads on all holding tanks (R38)
- 5/8″ tongue and groove plywood floor
- Braced for optional "Level-Up" 6-point hydraulic level system
- LED tail lights and lower front lights
- Lighted entry step
- Locked docking station with water by-pass, slide room controls, outside shower, satellite and cable hook-ups, 12 volt battery disconnect, city and fresh water fills and easy to use tank handles
- 10 gallon LP/110 volt/DSI water heater
- Cathedral slide rooms (main and bedroom slides)
- Create-A-Breeze Fantastic Fan with rain sensor in kitchen
- Digital thermostat for heat and air
- LED ceiling lights with lifetime warranty
- Radius ceiling
- Outside kitchen with sink, faucet, enamel metal waterproof cabinetry, refrigerator, microwave and RVQ gas grill (37BH only)
- 48″ shower with seat and glass doors
- Porcelain toilet with top swirl flush
- Serta® residential mattress
- "True" Pearl Gelcoat Exterior - truly the best of the best in gelcoat exteriors. Stronger, thicker, and keeps its high gloss longer than our competitor's less expensive gel-coated exteriors
- Solid wood fascia - no wrapped foam - try the "Tap Test"
Cedar Creek Silverback Edition Package
- 48″ LED TV in living room (N/A 37BH, 31RK)
- Jensen 12 volt CD/DVD, AM/FM, Bluetooth, MP3/USB stereo system with video steaming capabilities, 4 ceiling mount speakers and two waterproof exterior speakers
- New Maple hardwood cabinet doors
- New ceiling cove molding
- New wallboard
- Upgraded solid wood slide room fascia in living room
- Rebond carpet pad
- Electric fireplace
- Updated Shaw carpet and Congoleum Diamond floor&
- Medicine cabinet in bathroom
- La-Z-Boy® sofa recliners with lifetime warranty on parts
- Dirt Devil central vacuum system
- New recessed stove top with glass cover and LG solid surface handle
- New full panel backsplash
- Upgraded kitchen faucet
- New stainless steel sinks
- New self-closing drawer guides
- 32″ LED TV in bedroom
- New bedding and window treatments in bedroom
- New larger mirrored closet doors
- New quad entry step
- Hehr automotive frameless windows
- New friction hinge entry door
- Black A&E metal weather shield for awning
- New pearl front cap with new upgraded graphics package
- LED lighting under awning
- 50 amp cord reel
- 3 battery compartment
Explorer Package (Mandatory Options)
- Dexter® axles/brakes/suspension performance package: Dexter® E-Z Flex® rubber equalization system with bronze bushings and six greased zerks per side, Dexter® E-Z Lube® hubs, Dexter® Nev-R-Adjust® brakes
- 16″ ST tires and aluminum rims
- 8 cu. Ft. gas/electric refrigerator with solid glazed wood door front
- 30″ over the range microwave with outside venting
- LG® Hi-MACS Classic solid surface countertops
- Black tank flush
- Bathroom Breeze Power Fan with wall switch in the bathroom
- Front hydraulic landing legs
- Cedar Creek switch control center
- Winegard HD roof satellite prep
- Prepped for Furrion rear wireless camera


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The Global Automotive Sensors Market to Grow at a CAGR of 6.92% during the period 2016-2020.
The Automotive Sensors Market 2016-2020 report covers the present scenario and the growth prospects of the Automotive Sensors Market 2016-2020 for 2016-2020. To calculate the market size, the report considers both the direct revenue and the indirect revenue of the vendors.
A Sensor Is a Device that detects changes in its immediate environment by picking stimulus changes and updates the system electronically. Sensors are engineered to detect chemical, physical, and process changes. A sensor sends out electronic signals, which are measured and recorded, and based on the information a corrective change is executed. There are many types of automotive sensors, such as pressure sensors, wheel speed sensors, temperature sensors, fluid-level sensors, and emission sensors, among others.
Browse more detail information about Automotive Sensors Market 2016-2020 at: http://www.absolutereports.com/global-automotive-sensors-market-2016-2020-10336904
The report provides a basic overview of the Automotive Sensors Market 2016-2020 including definitions, classifications, applications and market Sales chain structure. The Automotive Sensors Market 2016-2020 report enlists several important factors, starting from the basics to advanced market intelligence which play a crucial part in strategizing.
Automotive Sensors Market 2016-2020 Opportunities:
With a purpose of enlightening new entrants about the possibilities in this market, this report investigates new project feasibility. Various details about the manufacturing process such as market drivers, impact of drivers, market challenges and impact of drivers and challenges, market trends, vendor landscape analysis and so on, is discussed in the report.
Get a PDF Sample of Automotive Sensors Market 2016-2020Research Report at: http://www.absolutereports.com/enquiry/request-sample/10336904
Key players in Automotive Sensors Market 2016-2020 2016-2020
Other Prominent Vendors
Purchase Report @ http://www.absolutereports.com/purchase/10336904
The Automotive Sensors Market 2016-2020 is divided into the following segments based on geography:
• Americas
In the end, the report makes some important proposals for a new project of Automotive Sensors Market 2016-2020 Industry before evaluating its feasibility. Overall, the report provides an in-depth insight of 2016-2020 global Automotive Sensors Market 2016-2020 industry covering all important parameters.
Automotive Sensors Market 2016-2020 driver
• Increasing end-user concerns about vehicle security and occupant and environment safety
• For a full, detailed list, view our report
Automotive Sensors Market 2016-2020 challenge
• High cost pressure on OEMs
• For a full, detailed list, view our report
Automotive Sensors Market 2016-2020 trend
• Autonomous cars becoming a reality to drive the market
• For a full, detailed list, view our report
Key questions answered in this Automotive Sensors Market 2016-2020 report
• What will the market size be in 2020 and what will the growth rate be?
• What are the key market trends?
• What is driving this market?
• What are the challenges to market growth?
• Who are the key vendors in this market space?
• What are the market opportunities and threats faced by the key vendors?
• What are the strengths and weaknesses of the key vendors?
Have any query? ask our expert @ http://www.absolutereports.com/enquiry/pre-order-enquiry/10336904
Detailed TOC of Global Automotive Sensors Market 2016-2020
And more..
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About Absolute Report:
Absolute Reports is an upscale platform to help key personnel in the business world in strategizing and taking visionary decisions based on facts and figures derived from in-depth market research. We are one of the top report resellers in the market dedicated towards bringing you an ingenious concoction of data parameters.
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Absolute Reports
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Email: firstname.lastname@example.com
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The American Journal of Sports Medicine
|Bruce Reider, MD
|Chicago, Illinois
Orthopedic Surgery | Orthopedics, Biomechanics & Sports Medicine | Sports Medicine
View the 2016 Journals Subscription Package for The American Journal of Sports Medicine and Sports Health.
An invaluable resource for the orthopaedic sports medicine community, The American Journal of Sports Medicine is a peer-reviewed scientific journal, first published in 1972. It is the official publication of the American Orthopaedic Society for Sports Medicine (AOSSM)! The journal acts as an important forum for independent orthopaedic sports medicine research and education, allowing clinical practitioners the ability to make decisions based on sound scientific information.
This journal is a must-read for:
- Orthopaedic Surgeons and Specialists
- Sports Medicine Physicians
- Physiatrists
- Athletic Trainers
- Team Physicians
- And Physical Therapists
Topics covered include:
- ACL – injury & reconstruction
- Arthroscopic techniques
- Basic science relevant to clinical sports medicine, including the subjects of anatomy, biomechanics, and cell biology
- Children & adolescents
- Degenerative Joint Disease
- Epidemiology of sports injuries
- Female athletes
- Imaging studies
- Surgical techniques for the knee, shoulder, elbow, and ankle
- Specific injuries including shoulder, knee and meniscus subjects
- Rehabilitation & training
- Sport specific subjects such as soccer, baseball and football issues
- Treatment techniques
This journal is a member of the Committee on Publication Ethics (COPE)
The American Orthopaedic Society for Sports Medicine (AOSSM)
As a world leader in sports medicine education, research, communication and fellowship, The AOSSM is a national organization of orthopaedic surgeons specializing in sports medicine, including national and international sports medicine leaders. The AOSSM works closely with many other sports medicine specialists and clinicians, including family physicians, emergency physicians, pediatricians, athletic trainers and physical therapists, to improve the identification, prevention, treatment and rehabilitation of sports injuries.
Formed in 1972 primarily as a forum for education and research, the AOSSM has grown from its modest initial membership of fewer than 100 to close to 3,000.
Through research and advances in surgical and rehabilitation techniques, orthopaedic sports medicine specialists have been able to treat and rehabilitate athletes whose injuries were once career-ending and put them back in the game. Members must demonstrate continuing active research and educational activities in the field of sports medicine. Such activities may include service as a team physician at any level of competition, educating persons involved with the health of athletes, service to local, regional, national and international competitions, and the presentation of scientific research papers at sports medicine meetings.
The unifying interest of the membership is their concern with the effects of exercise and the monitoring of its impact on active individuals of all ages, abilities and levels of fitness.
Visit www.aossm.org for more information.
The American Journal of Sports Medicine, founded in 1972, is the official publication of the American Orthopaedic Society for Sports Medicine. It contains original articles addressed to orthopaedic surgeons specializing in sports medicine, and to team physicians, athletic trainers, and physical therapists focusing on the causes and effects of injury or disease resulting from or affected by athletic injury.
|Bruce Reider, MD
|Chicago, Illinois
|Timothy Foster, MD
|Boston, Massachusetts
|Allen F. Anderson, MD
|Nashville, Tennessee
|Bert R. Mandelbaum, MD
|Santa Monica, California
|Brett D. Owens, MD
|Providence, Rhode Island
|Braden C. Fleming, PhD
|Providence, Rhode Island
|James L. Carey, MD, MPH
|Philadelphia, Pennsylvania
|Scott A. Rodeo, MD
|New York, New York
|Robert E. Leach, MD; 1991-2001
|Boston, Massachusetts
|Jack C. Hughston, MD; 1972-1990
|Columbus, Georgia
|Robert A. Stanton, MD, Chair
|Fairfield, Connecticut
|Annunziato Amendola, MD
|Durham, North Carolina
|Allen F. Anderson, MD
|Nashville, Tennessee
|Robert A. Arciero, MD
|Farmington, Connecticut
|Bernard R. Bach, MD
|Chicago, Illinois
|Champ L. Baker, Jr., MD
|Columbus, Georgia
|Diane L. Dahm, MD
|Rochester, Minnesota
|Bruce Reider, MD
|Chicago, Illinois
|Dean C. Taylor, MD
|Durham, North Carolina
|Michael Angeline, MD
|Lake Geneva, Wisconsin
|Alfred Atanda, MD
|Wilmington, Delaware
|Jonathan F. Dickens, MD
|Bethesda, Maryland
|Alan M.J. Getgood, MD, FRCS
|London, Ontario, Canada
|Thomas J. Kremen, MD
|Los Angeles, California
|Aaron J. Krych, MD
|Rochester, Minnesota
|Xinning Li, MD
|Boston, Massachusetts
|David Wasserstein, MD, MSc
|Toronto, Ontario, Canada
The editor of AJSM, Bruce Reider, can be contacted via email at email@example.com.
The American Journal of Sports Medicine is the official publication of the American Orthopaedic Society for Sports Medicine. Manuscripts must not be under simultaneous consideration by any other publication, before or during the peer-review process. Papers presented at AOSSM meetings must be submitted to the Journal for first rights of refusal. Authors are responsible for submitting papers of presentations directly to the Journal. Articles published in AJSM may not be published elsewhere without written permission from the publisher.
Manuscripts should cite any other work by one or more of the co-authors that is relevant to the subject matter of the current submission or that used any of the same subjects, animals, or specimens being reported in the current submission. This includes manuscripts that are currently under preparation, are being considered by journals, are accepted for publication, or already published. In any of these cases, the relationship to the current submission should be made clear.
All review articles (such as systematic reviews and meta-analyses) submitted will be considered for the Current Concepts section. Authors with ideas for current concepts should contact the associate editor, Timothy Foster, MD, to find out if AJSM has recently published a review article on that topic of if there is a similar submission in progress. Contact Dr Foster at email@example.com to inquire about your idea, or submit already completed papers directly to the journal at http://ajsm-submit.highwire.org.
Submit manuscripts online at http://ajsm-submit.highwire.org
Download the AJSM Submission Guidelines


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Santa Cruz County Bank In The News
SC County Bank business picks up in Q1
Higher net interest income, office consolidation and employee attrition helped boost the bottom line for Santa Cruz County Bank which reported a leap in net revenue to $267,980 from just $22,509 a year ago in the same quarter.
First quarter numbers, from loans to deposits to assets and the total number of accounts, all grew compared to this time last year.
Owner of Monet Salon and Spa, buffeted by illness and recession, seeking a buyer
Julie Monet has put her heart into her career as a hair stylist and owner of her own business, developing a loyal following. Now 50, she's facing an uncertain future.
In 2007, she was diagnosed with degenerative disk disease, a condition accompanied by acute neck pain, and advised by her doctor to give up her salon and spa.
Santa Cruz County Investors Think Local
Everyone loves to hate the big banks these days. So much so that a national movement called Move Your Money, which encourages individuals to take their money out of our nation's biggest banks and place it with community banks and credit unions, has enjoyed a groundswell of support since it came out a month ago. Even local banks have noticed.
"We've seen the number of accounts [go up] as a result of Move Your Money," says Mary Anne Carson, marketing director for Santa Cruz County Bank. "It is really making a difference for us, and I think people can feel good about the fact that their funds are going to local banks that will be reinvested in their community's economy."
Santa Cruz County Bank: 4th quarter modest, year-end profit up
Fourth-quarter earnings improved at Santa Cruz County Bank compared to the third quarter, generating a year-end profit of $203,000. That represents a solid increase over 2008, when year-end profit was $17,000.
However, earnings at the 6-year-old locally owned bank have not rebounded to pre-recession levels.
Net income for the fourth quarter was $71,000 compared to $218,000 in that quarter in 2008. The decrease was due to a $450,000 increase in provision for loan losses.
Move Your Borrowing Along with Your Money
The New Rules Project, in partnership with HuffPost's Move Your Money campaign, is using its Community Banking Initiative to get out the word that banking locally can put the power back in the hands of individuals and communities, rather than Wall Street's CEOs.
As more of us ditch the big banks in favor local banks and credit unions, we need to give thought to both the saving and lending sides of a bank. Each is crucial.
On the savings side, community-based financial institutions need our deposits much more than the big banks do. Big banks have access to other capital. While deposits account for 82% of the funds small banks have to work with, their share at the biggest banks is just 66% (and deposits made in the U.S. account for even less: just 39%).
Magazine honors local bank
Magazine honors local bank Santa Cruz County Bank received an honorable mention in the Western Banking magazine's 2009 Green Leaf Awards. The locally owned bank's environmental practices include remodeling its Santa Cruz office to meet the U.S. Green Building Council's standards for Leadership in Energy and Environmental Design certification and securing certification of all seven offices from the Monterey Bay Area Green Business Program.Read the full story
Santa Cruz County Bank reports third-quarter profit
The third-quarter profit at locally owned Santa Cruz County Bank was smaller than in the second quarter, but it was a big improvement compared to a year ago, when the bank bumped up its reserve for loan losses.
Net income after taxes totaled $42,872, down from $66,243 in the second quarter, and up from a loss of $580,620 in the third quarter of 2008 when the stock market sank.
Surfing for Change
Local wave rider encourages Santa Cruz to bank locally, save the world
Clad in a T-shirt, shorts and sandals, Kyle Thiermann is the kind of guy one might expect to run into on Pacific Avenue. His sun-bleached, sandy hair and quintessential Santa Cruz demeanor make even more sense when he reveals that he is a professional surfer. At 19 years old, it seems that a person in his position would have few worries outside of hitting Steamer Lane and devouring Zoccoli's chicken pesto sandwiches (his favorite). But behind Thiermann's blue eyes there lies a worldly passion, which extends far beyond the exhilaration of catching a perfect set down at Pleasure Point.
Numbers improve for Santa Cruz County Bank but still down from a year ago
Santa Cruz County Bank reported Tuesday that loans, assets and deposits have all climbed from a year ago in the second quarter despite continued challenges in the economy. But, while net income nearly tripled from the previous quarter, it dropped from a year ago in the same quarter.
"The bank continues to progress positively in a particularly precarious time," said David Heald, chief executive officer and president. "We continue to grow our bank's balance sheet organically through core deposits and new relationships."
Local banks, credit unions still taking state IOUs
Although some big banks plan to stop cashing state IOUs after today, locally owned banks and credit unions say they will continue to accept warrants.
That's a relief for Community Bridges, a local nonprofit that expects about $500,000 in state IOUs this month to operate Meals on Wheels and four child care centers.
"That represents about 15 percent of the total budget for those two programs," said Sam Storey, executive director of Community Bridges. "As each month passes without a state budget, that amount and the percentage will increase. Fortunately, two local banks, Santa Cruz County Bank and Lighthouse Bank, have let us know that they are willing to cash in the warrants."