text:
Who can borrow an iPad?
UVM students, faculty and staff.
How long can I keep an iPad?
Loans are for one week. iPads may be renewed for an additional checkout period if no other user has requested its use. In order to renew, you must call the Circulation desk at 656-2200 or stop by and request an extension before it is due. Late return of an iPad will result in immediate fines of $10.00 per day and will block borrowing privileges; fees may be assessed and loss of iPad borrowing privileges may result.
What comes with the iPad?
iPad kits include an iPad (16GB, wi-fi only), power adapter, dock cable and carrying case.
What comes on the iPad?
- Dynamed: A clinical point-of-care tool
- Skyscape: Medical reference platform, includes Natural Standard
- Calculate by QxMD: Clinical calculators
- AHRQ ePSS: Preventive care screening tools
- Eponyms for students: Quick eponym reference
- Micromedex Drug Information: A drug reference tool
- Inkling: Interactive textbooks (comes loaded with Netter's Clinical Anatomy)
- ebrary: ebooks from Dana Medical Library (including USMLE study guides)
- PubMed Mobile: Search PubMed
- Radiology 2.0: One Night in the ED
- Pages: Word processing
- Adobe Reader: PDF reading software
- Dragon Dictation: Dictation software
- Bluefire Reader: e-reader software
Can I download new apps on the iPad?
Apps and content may be loaded on the iPad using your own iTunes account. When an iPad is returned, all data and settings will be wiped from the device. Any apps you purchase should remain available to you through your iTunes account.
What about my personal data on the iPad?
You should remove any personal information from the iPad before you return it to the Circulation Desk. However, each iPad will be restored to default settings, deleting all data and apps from the previous user. The UVM Libraries are not responsible for anything you put or leave on the equipment.
Dana Mobile Apps page


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Phillip Phillips postpones spring tour due to ill health
Listen to Phillip Phillips on iHeartRadio
(Yahoo!) - Reigning "American Idol" champ Phillip Phillips, who has a long and well-documented history of kidney stone problems, has postponed the remainder of his college tour due to illness.
This sad news was first revealed in a Sunday press release issued by the University of Wisconsin, Eau Claire; the Season 11 winner was set to perform with special guest Gin Wigmore on the campus tonight (Monday, May 6). But that concert and eight others--including a show in Dublin, Ireland--have been scrapped for now.
Hey guys, due to doctor's orders I have to reschedule my last tour dates.They will be rescheduled! Looking forward to seeing you on Mayer!— Phillip Phillips (@Phillips) May 6, 2013
The word is the dates had to be rescheduled due to exhaustion, dehydration, and kidney failure; there's no confirmation yet regarding whether Phillip will be well enough appear in any way on the Season 12 "American Idol" finale, which takes place next Thursday, May 16. (It is customary for the previous season's winner to perform on the current "Idol" finale; only two past winners, Fantasia and Lee DeWyze, have not done so, but Lee still attended.)
However, from the looks of Phillip's upbeat tweet, it doesn't seem like his health issues will affect his big upcoming tour with John Mayer, which is set to kick off July 6--so that's the good news.
Photo Credit Getty Images

subset: commoncrawl


text:
Ok godders, of course you are.
Ok godders, of course you are.
Ya but paul has cryptic type powers that means you forget he weights the same as a bag of sugar from tescos
Blow job is better than no job
Voted "Most Sexiest Poster 2003"
Voted "Most Evil Poster 2004"
Voted "Most Absent Poster 2007"
Voted "Joint Sexiest (Male) Poster 2008"
Flying armbars are cool, I had never tried them before Jean Silvas seminar now i use the fuckers all the time.
The artist formally known as OilinDaDrum
I find the best counter is to lift them above your head and find the nearest cupboard.
Blow job is better than no job
Voted "Most Sexiest Poster 2003"
Voted "Most Evil Poster 2004"
Voted "Most Absent Poster 2007"
Voted "Joint Sexiest (Male) Poster 2008"
My Fav grappling move has got to be knee on chest/stomach, with everything that brings.
The move I really want to pull off and never have done is a Mongolian torso crank, which Marc McFann did to me at a seminar years ago (the pics were in MAI). He claims it was shown to him by a wrestler from Mongolia he met in Europe, but it was bloody agony I can tell you. I've never seen a similar move like it.
I use a lot of sweeps and love sinking chokes, did once win with an omoplata but it's usually hard to get on. For five weeks I tried a flying armbar in all my fights, I cam very close twice just running out of time before they could tap.
Lately I just like getting a strong straight armbar from the guard, I think this is the right name. When you walk your legs up high and tight and grip the opponent not letting them move, it's real easy and powerful.
never actually pulled it off. been looking at it from a high single or from a standing clinch (needs a high ass jump though)
You can't put a limit on anything. The more you dream, the farther you get
Team Colosseum
I wana be able to pull off a flying triangle some day. Had it done to me yesterday and it was fast as fook.
Neill Wylie
No longer playing World of Warcraft. Goodbye fond memories
Who did that then
MMA Strength, Conditioning and Awesomeness Blog- UPDATED 8/2/11 Random Musings prior to actual content http://maccavelli.wordpress.com/


text:
Keeley Electronics
Keeley Electronics 1962x OverdriveKeeley's 1962x gives you classic Bluesbreaker tones with a few tricks up its sleeves.$199.00
Keeley Electronics 30ms Double TrackerLeave it to Keeley to cram all the double tracker features one could ever want into a compact package.$199.00
Keeley Electronics Abbey Chamber VerbRather than a generic filter, the Abbey incorporates reproductions of the actual RS106, RS127 and RS135 filter... read more$149.00
Keeley Electronics Aurora Digital ReverbThe Aurora contains three distinct reverb modes: Room, Hall and Plate. Each are exacting recreations of the sp... read more$179.00
Keeley Electronics Bassist CompressorIt's only fitting that the next step of pedal compressors is brought to is by Keeley, whose name is synonymous... read more$199.00
Keeley Electronics BubbleTron Dynamic Flanger PhaserKeeley's BubbleTron gives players all the goodness of the old Maestro FSH-1 with many, many extras.$199.00
Keeley Electronics C4 CompressorThe Keeley C4 Compressor is the same high quality compressor as the original with its insides out! Now have f... read more$199.00
Keeley Electronics Compressor ProThe Pro is the rare compressor that transcends both the "as an effect" and the "always on" realm of co... read more$299.00
Keeley Electronics D&M DriveThe D&M Drive fills all your dirt needs with more headroom than some amps.$229.00
Keeley Electronics Dark Side
The Gilmour sound has never been more attainable, and in a box that fits in your pocket.$299.00
Keeley Electronics Delay Workstation
Robert Keeley delivers time and space to you in an ultra-compact package with extensive controls.$299.00
Keeley Electronics DS-9The DS-9 by Keeley Electronics combines two seminal '80s distortions in one box with some very usable tweaks.$149.00
Keeley Electronics DynatremIt might come as a shock that boutique stalwart Keeley Engineering has never released a tremolo pedal. That dr... read more$199.00
Keeley Electronics Dyno My RotoWith its roots in Rhodes piano, the Dyno My Roto delivers the entire '80s in one compact box.$169.00
Keeley Electronics FilamentsWhichever genre of metal you play, the Filaments is the end of your high-gain journey.$189.00
Keeley Electronics GC-2 Limiting AmplifierIt's only fitting that the next step of pedal compressors is brought to is by Keeley, whose name is synonymous... read more$199.00
Keeley Electronics Gold Star ReverbThe Gold Star reverb contains three Wall of Sound-esque modes that cam be manipulated far beyond the studio's ... read more$179.00
Keeley Electronics Holy FuzzBow your head at the altar of fuzz as Robert Keeley delivers unto us super-limited circuit-bent germanium fuzz.$229.00
Keeley Electronics Hooke Spring Reverb
Once you try out Keeley's tasty new spring reverb machine, you'll be Hooked.$179.00
Keeley Electronics Katana BoostThe Keeley Katana Boost is an utterly transparent, yet warm and vital boost pedal. The Keeley Katana Boost is... read more$199.00
Keeley Electronics Katana Boost MiniKeeley has taken their classic clean boost and overdrive and put it into mini form to save real estate on your... read more$99.00
Keeley Electronics Magnetic EchoThe Magnetic Echo is based on the PT2399 chip; it's digital. However, because Robert Keeley is a certified w... read more$149.00
Keeley Electronics Memphis SunThree modes adorn the Memphis Sun: Slapback 600, Sun Mode and Room, each mode is so distinct that each mode ma... read more$179.00
Keeley Electronics Mod WorkstationFeaturing two drive channels and one modulation channel, with one of many effects, the Mod Workstation replace... read more$299.00


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Since 1998, Chantal and Gérard Perse have owned this estate, which boasts the largest vineyard of all Premier Grand Cru Classés in Saint-Emilion. The old fermentation cellar has given way to twenty temperature-controlled wooden vats, and the quarries have been replaced by a modern aging cellar. View all La Rosee De Pavie Wines
About St-EmilionView a map of St-Emilion wineries (saint eh-meel-YOHN)
A region named after the charming, quaint historical town in Bordeaux, St-Émilion is situated on the right bank of Bordeaux. It's grapes of choice are Merlot and Cabernet Franc (called Bouchet on the right bank). The region has its own classification system, updated and revised every few years. Two of the hottest chateaux of the area (and the only Premier Grand Cru Classé A) are Chateau Ausone and Chateau Cheval Blanc.
Notable Facts
St.-Émilion produces the most wine on the right bank of Bordeaux. As most of its wine is based primarily on Merlot, St-Emilion wines are described as having finesse and elegance. The best wine of the region can last upward of 10-20 years, like a good left-banker, but many find that the wines here matuer earlier than those based on Cabernet Sauvignon. The soils in the area differ greatly, from gravel to limestone to clay and sand. As a result, the wines of this region are diverse. Quality wines display silky tannins and ripe, soft fruit – the higher quality wine showing full-bodied texture and layers of complexity.
About France - Other regionsWhen it comes to wine, France is a classic. Classic blends, grapes and styles began in the country and they still remain. Think about it - people ask for a Burgundian style Pinot Noir, they refer to wines as Bordeaux or Rhone blends - Champagne even had to pass a law to stop international wineries from putting their region on the label of all sparkling wine.
The top regions of France are: Bordeaux, Burgundy, Champagne, Languedoc-Roussillon, Loire, Rhone. And these regions are so diverse! It makes sense that wine regions throughout the world try to emulate their style. Pinot Noir, Chardonnay, Cabernet Sauvignon and Syrah are no longer French varieties, but international varieties. They may not be the leader of cutting edge technology or value-priced wines, but there is no doubt that they are still producing wines of great quality and diversity.


text:
Mach Xtreme Technology has unveiled a 2.5-inch SATA3 MX-DS Turbo series SSD.
This SSD series delivers performance that maximizes the throughput of a SATA3 6Gb/s interface with balanced read/write speeds, the vendor said. It supports DuraClass and DuraWrite technologies. The drive also maintains backwards compatibility with existing SATA2 3.0 Gb/s and SATA 1.5 Gb/s interfaces.
The MX-MD Turbo drive delivers up to 555MB/s read and 510MB/s write along with a maximum 85,000 IOPS, low power consumption (stand-by 1.6W/active up to 2.8W) and durability of 2.0 million MTBF compared to previous-generation SATA 3Gb/s drives.
Mach Xtreme's MX-DS Turbo SSDs are available in capacities of 120GB, 180GB, 240GB and 480GB.
- Wireless broadband developments in Southeast Asia markets
As of 2013, the 10 ASEAN nations had a total of over 700 million mobile subscriptions, with the CAGR from 2003-2013 reaching 24%. This Digitimes Research Special Report analyzes the various mobile broadband markets in ASEAN and looks at the respective trends in 4G LTE development for those markets.
- 2015 global tablet demand forecast
This Digitimes Research Special Report provides a 2015 forecast for the global tablet market and analyzes the strategies of key market players such as Google, Apple, Intel, and Microsoft.
- 2015 China smartphone panel trend forecast
This Digitimes Research Special Report analyzes the strategies of key China-based major panel makers BOE, Tianma and IVO for attacking the different market segments through technology and pricing, and their relationship to local vendors Huawei, Lenovo, ZTE, Xiaomi and Coolpad.


text:
I bought a new laptop with windows 8.With windows 8 come UEFI. Now i want to lunch backtrack on my laptop but i can't.I tried to turn off Secureboot but all tries were failed. Is there any possibility to turn on Backtrack with UEFI and SecureBot??
Sorry for my bad english


text:
AGA Files Comments on EPA's Subpart W Proposed Technical Revisions (Oct. 24, 2011)
On October 24, AGA filed comments on the Environmental Protection Agency s Technical Revisions proposal for the Natural Gas Systems Category (Subpart W) of its Mandatory Reporting Rule for Greenhouse Gases. See EPA Docket Id. No. EPA-HQ-OAR-2011-0512 76 Fed. Reg. 56,010 (Sept. 9, 2011) ( Proposal ). In this Proposal, EPA sought to address several issues that AGA raised earlier this year in a Petition for Reconsideration of EPA s Final Rule for greenhouse gas reporting for natural gas systems, submitted on March 2, 2011. EPA has attempted to provided clearer definitions for the system components subject to annual component leak surveys. AGA s comments expressed several concerns about the dramatic shift in the type and number of stations that would be subject to the annual leak survey requirement under the Proposal, and suggested clarifications and exclusions. AGA also expressed concerns that the new requirements from this proposal would be finalized no earlier than December 2011, and yet appear to apply retroactively to the 2011 reporting year. To remedy this reporting gridlock, AGA asked EPA to clarify that local distribution companies charged with leak survey reporting under the existing Subpart W rule may choose to submit leak surveys already underway and/or apply an emission factor to a count of stations under the Best Available Monitoring Methods (BAMM) provisions. See 76 Fed. Reg. at 56,032. For more information, contact Pamela Lacey at firstname.lastname@example.com.


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First down: New England at Miami
11 a.m., TV • Ch. 2
The skinny • It's all so very anticlimactic, isn't it? Every preseason we're fed the same lines about what the other AFC East teams are doing to challenge the Patsies. This past summer, much was made of the Bills' spending spree on defense, including $100M for Mario Williams, and yet Buffalo has allowed a league-worst 319 points. Likewise, we heard the Jets planned to make waves by employing a Tebow-helmed Wildcat scheme 20 times a game, and he's barely touched the ball 20 times this season. And for all the speculation about whether Ryan Tannehill is the second coming of Dan Marino, the Fins have scored about half as many points as New England. Meanwhile, the Pats are about to clinch their fourth straight division title and their ninth in 10 years. So next summer, when everyone starts extolling the various virtues of The Other Three, take the advice of Public Enemy's Chuck D and "Don't Believe the Hype."
The line • Patriots by 71/2.
The pick • Patriots. Tom Brady may well be more annoying than Flavor Flav at this point, but he's a better quarterback.
Second down: Tampa Bay at Denver
2:05 p.m., TV • Ch. 13
The skinny • Initially, there was much rejoicing at the idea of oft-surgically repaired Peyton Manning capping his comeback season with the fifth MVP award of his career. Now, though, has come the inevitable backlash, primarily centered around the admittedly valid argument that even Tebow could look good against the schedule the Broncos have faced. With six games against "rivals" San Diego (4-7), Oakland (3-8), and Kansas City (1-10), Denver's end result is usually about as in doubt as The Avengers' climactic battle against the Chitauri. "Hmmm … we're outnumbered about 38,000 to 6, we're armed with a shield, a hammer, bow and arrows, gymnastics skills, a rocket suit and 'a giant green rage monster' … yeah, I think we'll be OK."
The line • Broncos by 7.
The pick • Broncos. Since Peyton Manning hasn't yet had the chance to take down an alien army, he'll have to settle for the Bucs, who are, at least, better competition than anyone in the AFC West.
Third down: Pittsburgh at Baltimore
2:25 p.m., TV • Ch. 2
The skinny • I'll concede that math has not been my forte ever since ninth-grade geometry permanently soured me on the subject. Perhaps that's why I still can't figure out how in a nation of 300 million people, in which there are thousands of high school football teams and hundreds of college football programs, we wind up with 37-year-old never-was has-been Charlie Batch starting at quarterback for an NFL team. For a second straight game. I recognize he's not usually the Steelers' starter, or even their top backup, for that matter. You're telling me there aren't 96 people in this country a starter, a backup and a third-stringer for each of the 32 teams (maybe I'm great at math, after all) better equipped to run an NFL offense than Charlie Batch? That makes less sense to me than those theorems Mr. Thomas made us memorize.
The line • Ravens by 8.
The pick • Ravens. No Ben Roethlisberger? No Byron Leftwich? No chance for Pittsburgh.
Fourth down: Philadelphia at Dallas
6:20 p.m., TV • Ch. 5
The skinny • Oh, Andy, I can't believe our time together is almost at its end. This may be the last chance I get to see you inexplicably throw a challenge flag on a play that has zero chance of being overturned. Anyway, I was just thinking of all the fond memories I have of your tenure. Those were six glorious seconds! Afterward, however, my mind drifted back to some of your less revered qualities … like your insistence on passing 93 percent of the time even when you have an accuracy-challenged quarterback and a Pro Bowl running back … and like the time you lost the Super Bowl because you refused to employ a hurry-up offense when you were trailing in the fourth quarter. I'll miss you, Andy. And by "miss you," I mean "will throw a party the day you and your stupid mustache are fired."
The line • Cowboys by 10.
The pick • Cowboys. Another testament to Andy's legacy is that he makes clueless Dallas counterpart Jason Garrett look competent by comparison.
… and 10 to go
Seattle at Chicago, 11 a.m. • It's just bad form for every Seahawks DB to fail drug tests at the same time. Spread 'em out, boys.
Minnesota at Green Bay, 11 a.m. • Aaron Rodgers may be the Pack's only opening-day player not currently injured.
San Francisco at St. Louis, 11 a.m. • Will Colin Kaepernick continue his meteoric rise? He's playing the Rams, so … probably.
Carolina at Kansas City, 11 a.m. • Nothing like facing the Eagles and Chiefs back to back to improve your lot, eh, Cam Newton?
Houston at Tennessee, 11 a.m. • If the Titans' offense goes crazy on the Texans, Houston officially has a problem.
Arizona at N.Y. Jets, 11 a.m. • Hey, Mark Sanchez, try not to run into anyone's butt this week.
Indianapolis at Detroit, 11 a.m. • Calvin Johnson has found his end zone mojo again, which is bad news for the Colts' secondary.
Jacksonville at Buffalo, 11 a.m. • So, who's excited for the Jason Babin Era?
Cleveland at Oakland, 2:25 p.m. • Raiders have lost four straight by a combined 90 points … I like the Browns' chances.
Cincinnati at San Diego, 2:25 p.m. • Hard to believe that at 4-7, Chargers are still the second-best team in their division.


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U.S. Airline Load Factor
U.S. Airline Load Factor
Monthly data, not seasonally adjusted
Excel | CSV | Table Version
In 2008, airlines based in the United States had 79.5 percent of their available seat-miles (ASM) occupied by passengers. Capacity utilization was very similar for domestic and international segments, with 79.8 percent of ASM occupied for domestic flights, and 79.0 percent of ASM occupied for international flights. Foreign airlines that originated flights in the U.S. had a load factor of 76.0 percent.
|U.S. Airline Capacity Utilization
|Scheduled System (Domestic and International) U.S. Airlines' Load Factor
|Percent change from same month previous year
NOTE: The current value is compared to the value from the same period in the previous year to account for seasonality.
SOURCE: U.S. Department of Transportation, Research and Innovative Technology Administration, Bureau of Transportation Statistics, Office of Airline Information, available at http://www.bts.gov/programs/airline_information/ as of October 2009.


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Discover a selection of top forums disk tarot on the internet. Come to share your passion on forums disk tarot and meet other fans of disk tarot. Then, why don't you create your own forum of disk tarot ?
Divination with playing cards, Lenormand, tarot, and various other oracles (mainly cards). Psychic, spirituality, magic and related topics also welcome.
cartomancy, playing, cards, #tarot, divination, decks, lenormand, sibilla, kippers, gypsy, oracle, psychic, magic, magick, metaphysical, prediction
Here at Alpha Knights Academy, we play Yu-Gi-Oh! Come and join us. Have fun!
free, forum, yugioh, dueling, academy, welcome, yu-gi-oh!, duel, network, ygopro, kcvds, deck, ruling, #disk, decklist, rare, decks, konami, build, site, teach
Free forum : A family friendly home away from home featuring different topics such as crystals, tarot, oracle, spirit, past lives, healing, knowledge, magickal friendships unite, free chatroom
mystiques, family, friendly, featuring, topics, crystals, #tarot, oracle, spirit, lives, healing, knowledge, magickal, mystical, friendships, unite, pagan, spiritual, guidance, psychic
Free forum : Beyond psychic chat is a community for people who are interested in all things spiritual, including readings, mediumship, tarot, runes and oracle cards.
free, beyond, psychic, chat, community, people, interested, things, spiritual, including, readings, mediumship, #tarot, runes, oracle
Learn how to read Tarot and get the support you want while you learn
tarot and tags
nomoretears, #tarot, tags
Free forum : This Spiritual Haeven is a learning environment intended for all interested in the path to guide us through psychic, intuitive, mediumship and, positive energy.
spiritualhaeven, spiritual, haeven, learning, environment, interested, path, guide, psychic, intuitive, mediumship, positive, energy, #tarot, mystical, healing, guidance, oracle, crystals, higher, true, intentions


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My grandfather Victor Fryxell wasn't among the more than 2 million doughboys who went "over there" in 1917 and 1918 to "make the world safe for democracy" in World War I. He was a bit too old, having reached his mid-30s. But that won't keep me from learning about him in WWI records: Although he was never called up, my grandfather - along with 24 million other men - had to register for the draft.
Even if he had gone to war, Victor Fryxell's records probably would've burned in the 1973 fire at the National Personnel Records Center (NPRC) in St. Louis, which destroyed some 18 million Army service records from 1912 to 1963. If your ancestor did fight in World War I, though, don't despair. Other documents at the National Archives and Records Administration (NARA) <archives.gov> and in state archives' collections might yet tell his story. To find the facts about your WWI ancestor, you may have to dig a little deeper and use a bit of ingenuity, but eventually — like the Yanks who proclaimed, "Lafayette, we are here!" at the French general's tomb — you can claim victory.


text:
women's T-shirts & singlets
It's time to stock up on cool layers with our T-shirts and singlets. Boxy, oversized and longline cuts bring new dimensions to casual styles, while bold prints and sassy logos live up to the hype.
Something went wrong, we're working hard to fix it so please try again in a second or two.


text:
NEWBURGH, N.Y. – June 2014 – It was an exciting night for the 26
students recently inducted into Mount Saint Mary College's chapter
of Alpha Sigma Lambda, an honor society for adult students in
higher education.
For husband and wife team Roberto and Iraida Ayala, who were
born in Puerto Rico, the honor was even more special – Roberto is a
first generation college student.
"I feel very proud of myself and Roberto," said Iraida. "Having
two kids and being able to accomplish this is a dream for us."
Currently living in West Point, N.Y. the Ayalas are a United
States Military family. Roberto is a Lt. First Class, and Iraida is
a sergeant.
Both seek a bachelor's in business administration. They plan to
use their Mount degrees to further their military careers.
In addition to sharing the honor society induction, the Ayalas
also have many of the same classes and professors. "They have
different methods of teaching, so I learned for each one in
different ways," said Irida.
Roberto agreed. "Every professor made class special."
The minimum for admittance to the college's chapter of Alpha
Sigma Lambda is a GPA of 3.2. Among the recent pool of candidates,
GPAs ranged from 3.56 to 3.88.
"This is truly a stellar group of students," explained Karen W.
Ulrich, the society's advisor and assistant director of advisement
for adult degree completion programs. "These adult students balance
academic, professional and home life, children, and more, and still
manage to get GPAs higher than 3.5. I couldn't be prouder of them
In addition to the Ayalas, 2014 inductees were: Jacquelyn
Augusto of Wallkill, N.Y.; Annemarie Collins of Wallkill, N.Y.;
Domenico D'Amico of Middletown, N.Y.; Adam Hammel of Greenwood
Lake, N.Y.; Lydia Hart of Cornwall, N.Y.; Courtney Horan of
Poughkeepsie, N.Y.; Nicole Marc of Middletown, N.Y.; Elizabeth
Monroe of New Windsor, N.Y.; Thomas Palermo of Newburgh, N.Y.;
Elizabeth Quinones of Washingtonville, N.Y.; Breeanna Ramos of
Newburgh, N.Y.; Paula Randolph of Middletown, N.Y.; Melissa
Ricketts of Cold Spring, N.Y.; Gregory Roe of Newburgh, N.Y.;
Melissa Ruaya of Highland, N.Y.; Zachary Ruckh of Newburgh, N.Y.;
Devon Scalfari of Newburgh, N.Y.; Julann Schwarz-Cobb of Beacon,
N.Y.; Whitney Shkreli of Newburgh, N.Y.; Chris Toscano of Newburgh,
N.Y.; Jessica Tripaldi of Wallkill, N.Y.; Yamaris Vaillant of
Newburgh, N.Y.; Diandria Williams of Wappingers Falls, N.Y.; and
Alicia Yonker of Napanoch, N.Y.
For adult students interested in starting or transferring
credits towards a bachelor's degree, Mount Saint Mary College
offers programs in career-focused, in-demand fields that can help
to advance career and earning potential, including accounting,
business management and administration, history, human services,
interdisciplinary toward childhood education, nursing, online RN to
BS, and psychology.
The Mount's master's degree opportunities include options in
business, education and nursing. All three programs carry
specialized accreditation at both undergraduate and graduate
The college provides affordable tuition and accelerated programs
with convenient evening and weekend classes for the busy adult age
24 and up.
About Mount Saint Mary College: Founded by the
Dominican Sisters of Newburgh in 1959, Mount Saint Mary College
overlooks the Hudson River and valley, just 60 miles north of New
York City. With 2,600 students pursuing bachelor's and master's
degrees on its beautiful 60-acre campus, the College prepares
students for careers in healthcare, business, education, social
services, communication/media and more.
Share this page


text:
Hi everyone. The Envato development team has a new home called We build Envato. I've posted about it already on Notes, but I wanted to make sure that everyone here sees it too.
We'll be writing regularly about the technical decisions we make, successes and failures, and about all the interesting technical challenges we encounter. If you're interested in what goes on behind the scenes, head on over and check it out at webuild.envato.com. You'll also get to see our pretty faces.
Interesting to read about the complexities involved with running and maintaining such a large site!
Nice to see Envato developers' pretty faces
(though actually they're not that much pretty … LOL)


text:
Provocative Lecture Series
David S. Saurman, Ph.D., a professor of the Department of Economics who passed away on October 22, 2002, the Provocative Lecture Series presents intellectual arguments on a variety of thought-provoking topics.
Presenters of the Provocative Lectures are noted for their outstanding expertise, accomplishment, and scholarship. Students, faculty, general public, and media are welcome to attend the Lectures.
The San Jose State University Department of Economics invites students, faculty, and the general public to consider intellectual arguments on controversial topics. Presenters in the Provocative Lecture Series are noted for their outstanding scholarship and public speaking ability.
This lecture series fosters the tradition of higher education to challenge ideas and develop critical thinking in an environment of respect and intellectual discourse. Our goal is for you to develop the critical thinking skills necessary to reach your own informed position on controversial issues.
We invite you to attend, relax, ponder, and enjoy the thought process at upcoming lectures. You can also enjoy viewing recordings of past lectures.


text:
Did you ever listen about rubber wood? Many people still do not familiar with rubber wood. This article will talk the details of rubber wood. As we know that mostly furniture are made from wood. There are many kinds of wood that can be used...[Read More]
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text: This past weekend marked the 10th annual Santa Cruz Beach Soccer Open presented by Senda Athletics. We set up our tent by the check-in and results booths and marked out the area for our juggling competition. The juggling competition produced some great scores despite most players struggling to juggle barefoot in the sand. Even those players who said they are capable of successfully completing as many as 1000 juggles on grass with cleats found it difficult to reach a century of juggles in the sand. The record-holder using the mini-ball completed 156 juggles, the Size 5 champion reached 300 juggles, and someone managed to keep the giant 3 foot ball in the air for 17 touches!!\n\nThis year's tournament included over 170 teams, topping last year's total thanks in large part due to the addition of the micro division for six and seven year-olds. There were many champions from last year that returned to defend their titles and countless teams new to the competition that were looking for their first taste of victory!\n\nThanks to all of those who came out to the Pro-am this year. And to those who missed out, don't worry because there's always next year! Our next Beach Soccer Pro-am promises to be another great day of soccer, friends, and fun. Join us!\n\n \n\n\n\n\n\n\n\n


text:
July 10, 2008
Dear FOS11 Member,
Please see the announcement below from the National September 11 Memorial and Museum about the StoryCorps September 11th Initiative at the Pentagon.
The National September 11 Memorial & Museum at the World Trade Center invites you to participate in the StoryCorps September 11th Initiative. We are honored to be working in partnership with StoryCorps, one of the largest oral history projects of its kind, to collect a remembrance for each of the lives lost in the terrorist attacks of September 11, 2001, as well as, personal recollections about survival and narratives about the day. In addition to being deposited at the Library of Congress, these 9/11 remembrances will be preserved in the Memorial Museum's permanent collection. We are sincerely grateful to our friends at the Pentagon Memorial and Washington Headquarters Services for helping us to make the StoryCorps program available to you on September 8th, 9th and 10th.
Due to high enrollment, we have added another day to the program and will be at the Pentagon through Wednesday, September 10th. There are still a couple of openings available for the afternoon of Monday, September 8th and additional appointments are now open for Wednesday, September 10th. Tuesday, September 9th is fully booked. Space is limited, so please contact us if you are interested in participating in this important initiative. Memorial Museum and StoryCorps staff will work with you to record your remembrance, which can be up to 40 minutes long. Appointments take one hour must be scheduled in advance. For more information about the program, suggested interview questions and/or to schedule your appointment, please contact Caitlin Zampella, the Memorial Museum's Director of Program Partnership Initiatives at (212) 312-8788 or email@example.com. We will work with you to coordinate access to the recording space at the Pentagon, either from the Memorial or the Metro entrance, as well as, the identification requirements that will be needed by Pentagon security.
For more general information about the StoryCorps September 11th Initiative visit: http://www.storycorps.net/special-initiatives/september-11th, or to learn more about our partnership and to listen to StoryCorps edited segments visit: http://www.national911memorial.org/site/PageServer?pagename=StoryCorps2.


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Leading New Feminist Legal Scholar Brings Law and the Gospel of Life to Fordham LawJune 13, 2013
On Friday May 31, Fordham Law's Institute on Religion, Law & Lawyer's Work hosted Law and the Gospel of Life II, the second event in a series that explores tensions and challenges in the implication of Gospel values to law, social policy, and bioethics. In particular, this lecture focuses on feminist debates in law and politics, and the particular role that religion plays in such debates. The event was held in the James B.M. McNally Amphitheatre from 6–8 p.m.
At the event, guest speaker Erika Bachiochi, a legal scholar on American Constitutional Law and new feminist legal theory, explored the polarizing issues of abortion law and the sexual economics of contraception in contemporary society and discussed ways that secular and Catholic feminists might find opportunities to collaborate and reach common goals in these debates.
"To be taken seriously in the modern world, the Church has to be in serious conversation with modern feminists," said Bachiochi.
She argued her case for a new, authentic feminism that springs forth from Catholic teaching and acknowledges the biological difference between men and women, a fact that she says has been consistently denied by secular feminists in an effort to promote the notion that women are sexually equal to men.
According to Bachiochi, cultural denial of reproductive asymmetry, i.e. the fact that women get pregnant and men don't, and the increased acceptance of contraception and abortion in the contemporary world, have actually burdened women, particularly those of lower socioeconomic standing, rather than liberated them. Offering economic and sociological statistical data, Bachiochi discussed how the rise in contraception use has simultaneously given rise to unplanned pregnancies and abortions and has reinforced a family structure lacking stability and paternal commitment, especially in underprivileged groups where single motherhood is prevalent.
"One might say that in practice the sexual insurance policy [of abortion and contraception] that was putatively taken out to insure both sexes against unwanted pregnancy, in reality insures only men, leaving women in many cases worse off," she said.
Bachiochi also explained how secular and non-secular feminists should be in conversation rather than dispute with one another. She said that, whether pro-life or pro-choice, all women can and should convene and discuss institutional changes that tackle those societal injustices which make abortion a viable option in the first place, such as the disproportionate burden that motherhood places on women, the way the public undervalues the need for parenting, and the inhospitable social conditions available for parents to raise their children in. Additionally, Bachiochi called for a restructuring of the workplace to more equally acknowledge the burdens of parenting for both parents, saying, "we must culturally, politically, and legally examine how to more appropriately value the care work in family that is disproportionately performed by women, still."
Kathleen M. Scanlon of the Law Offices of Kathleen M Scanlon and adjunct law professor in ethics and ADR at Fordham, delivered the response to Bachiochi. Scanlon expanded on Bachiochi's critique surrounding the contemporary failure to recognize biological differences between men and women by sharing her own experience working as lead counsel in a lawsuit against the 2007 Stem Cell Act in New York State court, in which she challenged that the Act's funding program to purchase donated eggs was unconstitutional use of taxpayer money. Scanlon explained that the funding program's largest problems—including its disingenuous explanation of the risk exposure of egg donation for women and insulation of State from liability in direct violation of public health law on human research subjects—exemplified a cultural unwillingness to acknowledge the drastic difference in risk and procedure between female egg retrieval and male sperm donation, a much less burdensome practice.
Robert Crotty, Partner at Kelley Drye and President of the Guild of Catholic Lawyers, moderated the event and provided his own remarks concerning the dangers of what he called the "sexual equality narrative."
Following their remarks, the speakers answered questions asked by audience members.


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Arizona Clan
Currently under the control of National Chief Steven "Stone Bear" Phillips
Awaiting the calling of a New Clan Chief.
See the Announcements Page for More Information !
UCN National Office
Copyright © 2007-2017: Property of The United Cherokee Nation (UCN) and may not be copied or distributed without expressed written consent.


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Beaumont police have arrested a 30-year-old woman on suspicion of killing her roommate.
Vanessa Kathleen Fierro, a Beaumont resident, was found in Simi Valley on Wednesday and taken into custody. She has been booked into Larry D. Smith Correctional Facility in Banning in the killing.
Police began investigating the death of Elizabeth Asselin, 44, of Beaumont on Feb. 28 when they found her body inside her home in the 200 block of West Seventh Street.
Police considered Fierro a person of interest in the case, but she was not immediately identified as a suspect.
Detectives followed up on numerous leads and found her in the 1900 block of Stowe Street in Simi Valley.
Reach Melissa via email or call her at 909-386-3878.
Get the latest crime and public safety news on Twitter @IECrime.


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Message Board
Leigh Greenwood Message Board
Talk about the novels, new and used books that Greenwood has written!
Author Greenwood's Book Reviews
Born to Love
Leisure, Jun 2003, 6.99, 365 pp. ISBN: 0843950951 In 1867, Holt Price plans to never work as a doctor again as he lives the horror of butcher assembly line surgical conditions caused by the Civil War bloodbath. All he wants is to forget the atrocities and medicine, and find his beloved and marry her. However, he cannot ignore his need for vengeance against the traitor who sold out his unit, leading to a slaughter. In Galveston, Holt gets in...
Independent Bride
Leisure, Mar 2004, 384 pp. ISBN: 0843952350 Under suspicion of embezzlement Abigail Pierce, accompanied by her sister Moriah, flee St. Louis to run their late father's store at Fort Lookout, Colorado. The commander of the army post, Captain Bryce McGregor tries, but fails to persuade the siblings to go home as they do not belong in the rugged unsafe Rocky Mountains even inside the fort. Bryce does convince the women to stay with him until the s...
Texas Homecoming
Leisure, Mar 2002, 384 pp. ISBN: 0843949724 By 1864 Confederate Captain Cade Wheeler is tired of the war and the successful raids he has led. Perhaps his wariness is born of the treachery suffered by Cade and his men when one of their alleged most loyal followers diViere betrayed them, leaving many dead from the Northern ambush. The war is over so Cade leads the survivors back to their Texas home to start anew in a radically different world...
The Seven Brides: Rose
When Rose answered the ad in the paper to cook and clean for seven men, she had no idea what she'd be getting herself into. Soon after arriving on the Randolph ranch, she's not sure which is worse: the hateful looks the younger ones give her or the way that George, the oldest, affects her whenever he's within twenty feet of her. Soon, nothing is as clear as it once was, including where her future is going. George hired Rose thinking that it would be n...


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When people talk about good things happening in downtown New Orleans, the name Marcel Wisznia, AIA, tends to come up. That's because this local architect/developer has completed one of the few projects built there since Hurricane Katrina—The Union Lofts, a mixed-use renovation in the Central Business District. Leasing the ground floor to a bank tenant, Wisznia and his staff converted the second through fourth floors of the former Western Union telegraph operating station into 33 furnished rental apartments with flat-screen TVs, 10-foot to 14-foot ceilings, and a rooftop deck.
Wisznia inherited his penchant for real estate development from his late father, Corpus Christi, Texas, architect and sometime-developer Walter Wisznia. Architecture school at Tulane lured Marcel to New Orleans, where he eventually joined with his father and opened a second branch of Wisznia Associates. Since Katrina, the firm has focused almost exclusively on designing and developing its own projects. Currently, Wisznia is transforming the historic Maritime Building into offices for his firm, ground-floor commercial space, and 105 rental apartments, and he has more adaptive-reuse work on the boards. "We've created a formula that uses tax credits as an equity source, [placing] modern infill in historic buildings," he explains. "You have to own the building for five years to use the tax credit, so we rent them out for the first five years."
His enthusiasm for adaptive reuse stems, in part, from the fact that the upper floors of downtown buildings sit safely above Katrina's flood line. But another disaster-planning strategy intrigues him: the idea of housing designed to face flooding, not avoid it. Wisznia Associates' Robert Asistent is working on a prototype for a house with an aluminum-and-steel space frame light enough to float atop stormwaters. With the firm's backing, he's also developing portable emergency housing prototypes. Wisznia clearly accepts one of the central truths of the post-Katrina landscape: For New Orleans to overcome catastrophe, its architects, builders, and developers must think differently than they did before the storm.


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Review Details
A-2 Jacket, Flight Jacket
- Product Review (submitted on August 2, 2010):
My name is Scott Zimmerman and I recently ordered an A-2 from your company. Happier about making my order- I could not be! Incredible quality and WELL worth the money spent! I am so impressed with my jacket and the only regret I have is that I wish I had "customized" it before I got it. I am so impressed with my jacket and plan to order another one for my father and one next year for me (a different style- B-3 or B-6). Thank you so much.


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Nothing has brought me more joy in life than the thrill of adventure and activity. I try and live each day fully engaged in this world and aware of my ...
Merry Christmas!
Merry Christmas to all from my ice skating heart! I'm happy to celebrate this holiday with my loves.
{diy} homemade bath fizzies
[Disclaimer: Please stop reading this post if you are my mom, sister-in-law or are a female member of my boyfriend's family. This is your Christmas present, and I can't resist posting before Christmas for timeliness.]
This was a big year for homemade crafts in my household. This Christmas, I put myself on a budget, and I told myself that I would not use my credit card for any gifts. I've successfully accomplished that (though now I'm hoping for cash presents since I'm spent!). I did end up buying myself
a pair three pairs of boots for Christmas (on my credit card), but they were on sale with free shipping, so I'm justifying that (I will never get out of debt but at least I'll look nice!)
Nevertheless, this year was dedicated to homemade gifts for him & her. I receive Martha Stewart daily organizing tips in my email (a godsend) and saw the idea for back in November. It seemed easy enough and cost effective, so I decided to create my own.
I probably spent around $60 for all materials including the ingredients, essential oils (which are expensive), display jars, ribbon and bags. This $60 equals 11 gifts to family, extended family, and a few friends, so I'd say that's a pretty good deal. It's easy to spend $20 per person on someone during the holidays, which would have been $220. That's a savings indeed.
I went with three different scents: Eucalyptus, Peppermint, and Lavender. This actually proved to be difficult because I discovered my roommate is allergic to Lavender, and so I had to make a separate batch in the (dirty, yucky) basement. For those of you receiving lavender, consider yourself special.
I used a variety of bags and jars based on the person. I tried to give larger amounts to the people I know take baths. For those who might only take one occasionally, I provided bags. I'm a big fan of the bath fizzies over the sugar scrub I made two years ago. I saw the scrub sitting my stepmom's bathroom unused last time I was home for a visit so I thought maybe I enjoyed making them more than people enjoyed receiving them. I don't feel bad; sugar scrubs aren't for everyone! Also, some people just aren't into baths. I get that too.
I found really cheap tags/labels at Pat Catan's (similar to Michael's but in Pittsburgh and better), and I labeled ALL of my gifts with them. I like them because I think it gives it an older, more classic feel. This year in general I spent more careful time with gift picking, labeling and wrapping and I feel it shows my care more than a gift I haphazardly picked out at Wal-Mart. (Note: I did shop at Wal-Mart for a few things. But they were carefully and thoughtfully picked). I also bought some sparkly paper and cut circles for the lids of the jars (see picture above). I tried to create a more "fizzy" feel, and I think this adds a lot to a basic Mason jar, don't you?
Alongside the bath fizzies, I created a few jars of spice rubs for the guys in my boyfriend's family. I wasn't sure what to get them, but they are all really into meat and grilling, so I made a few. I ran out of ingredients pretty quickly though, so I wasn't able to make as many as I wanted.
I love a good DIY Christmas. Here's hoping my family and friends do too.
my ugly sweater: the gift that keeps on giving
My friend Kelly asked if she could borrow for a holiday work contest. We had coffee last night at , swapped presents and cards, and I handed over the sweater (complete with a light-up pocket).
Imagine my pride when I received a g-chat message from Kelly at lunch, indicating that she had won her office party. The grand prize was a big $10 gift card to Giant Eagle. She's the second from the right.
I think the sweater/turtleneck combo looks much better on her. I guess someone at her office even wrote "Kelly, duh" on her voting card. I agree – the prize most definitely goes to Kelly. Duh.
crazy loud fun
A baby. Apparently that's what it takes to slow me down. A little boy baby with curious eyes, a dimpled chin, and arms that squeeze.
Last night I took a break from Christmas. I took a break from homemade gifts, silver ribbons, wrapping paper. I took a break to see my college friend Jenny and her son Victor, who were both hanging out at home on a not-so-snowy Pittsburgh Tuesday.
Sometimes, this scene doesn't even look real to me – Jenny, who we used to call "Crazy Jenn" in college, with a little boy in her arms (there may have been boys in her arms in college but.. she certainly didn't give birth to them). What I remember of Jenny is long talks in the hallway between our rooms junior year of college. Dancing and singing (to "My Humps") at any hour of the day. Crunk Tuesdays down the street. Going to a club in England and being idolized for being Americans. Trips to the local Indiana mall on the school bus (it was always a bust). And just laughing. A whole lot of laughing.
Like any friendship, we had our down moments, too. I remember one blow-out fight that resulted in her leaving the house in a flurry. There was some yelling. I was kind of a jerk. Later, we both apologized to each other. Water under the bridge now.
Now when I visit Jenny it's all about kids, mortgage payments, and credit card debt.
The days of our college "crazy loud fun" are starting to slowly disappear. But honestly? I'm okay with that.
That little baby boy made me think. Sometimes I imagine that I will have a baby and it will be completely different than everyone else's experiences. The baby will be quiet, well-behaved, and will never wake me up in the middle of the night. Sort of like having an adult that's in the form of a baby. I'll keep living this lifestyle: going to the gym, working on crafts, spending a lot of time with just me.
But then I see my friends with their kids and realize I will never escape the time and dedication that comes with child-rearing. Someday, I will join the rest of them. I will spend my evenings with a little babe on my hip, completely unable to get the things accomplished I do now. And by then, I will be content with that. Happy even, I bet.
Until then, I'm going to continue the crazy, loud, fun times in my late 20s. More likely in a muted manner, but in CLF style nonetheless.
[Disclaimer: Crazy, Loud, Fun, was a catch-phrase coined in college by Cat and Sam. They were looking for it one night, and I think they found it for the next four years. We named our softball team CLF {we never played a game} and continued to make shirts for each year and each wedding that followed.]
christmas cheer
I think working should be optional this week. My morale is low. I keep going to the office, coming straight home and working on gift wrapping, homemade gifts, decorating, cards, etc. I'm staying up too late. I'm spending too much time on details. But honestly, I sort of like the craze that comes with Christmas. Yes, I could put my grinch face on and do nothing. But I like getting into the holiday spirit.
Last night, while beginning my TV journey with Sons of Anarchy, I worked on wrapping gifts. I displayed them in our "fireplace" under the cards.
Christmas 2011
For comparison's sake, I decided to find last year's photo taken around this date. Interesting dichotomy.
Christmas 2010
At first I thought my poor/broke lifestyle was showing too much. Then I realized that Christmas 2010 included Cat's gifts; this year doesn't. I'm also waiting on about 6 presents to come in the mail, so that makes a difference. As far as cards go, we either have fewer friends or people are took cheap to send them. Hard/tough economy, guys. I get it.
At least our stockings are in place. Oh, and those jars of water that will forever be on the mantel (long story, I'll tell you sometime.)
Although the living room is intact with Christmas cheer, my craft corner in the dining room certainly isn't. Oh, to have a room dedicated to crafting! Someday that will happen for me. Until then, I'll slum it in any corner I can. I promise myself this will be cleaned up by Jan. 2.
Time for more Sons. Slowing down is good. The occasional TV show is necessary. So can Christmas get here already?


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Amman on April 18...
Amman on April 18...
Some nice fights there as usual.
Friday's main card kicks off at 7pm UK on Friday on Premier Sports. No FB prelims.
Jack Mason vs. Patrick Vallee
Brian Moore vs. Marat Pekov
Jack Hermansson vs. Ion Pascu
Tahar Hadbi vs. Michael Johnson
Arnold Allen vs. Tobias Huber
John Redmond vs. Craig White


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President Barack Obama has delivered and may still deliver more informative speeches to students throughout America. The topics discussed in these speeches consist of students dedicating themselves to their education, overcoming the many obstacles that arise in their lives and conquering the fear of asking for help.
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Intercultural Programs
Wheaton is a community that promotes understanding, learning and support across cultures, ethnicity, religion, gender and sexual orientation. The Marshall Center for Intercultural Learning, working with other offices and organizations campus wide, offers educational, cultural and social programs and events throughout the year that celebrate diversity and underscore the significance of each individual's contribution to our belief that excellence requires inclusion.
Latino Heritage Month, Black History Month, Pride Weeks, and many more commemorative days are celebrated on campus. Student-run groups, including the Asian American Coalition, Wheaton's Organization for Women (WOW), and Hillel, offer opportunities for students to express themselves and cultivate connections with the entire Wheaton community.


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Focus on Economic Data: Gross Domestic Product - August 2, 2005
Real gross domestic product (GDP) during the first quarter (January through March) of 2005 increased at an annual rate of 3.8 percent. This is the final estimate of the change in real GDP for the first quarter. It is a revision of the preliminary estimate of a 3.5 percent increase in real GDP in the first quarter that was announced one month ago.
The increase in real GDP during the quarter was primarily due to increases in consumption, inventory, software, equipment, and residential housing investment, and exports. Imports also increased during the quarter.
Please do the following multiple choice activity:
Meaning of the Announcement
Real gross domestic product increased during the first quarter (January through March) of 2005 increased at an annual rate of 3.8 percent. This is the third release of the estimate and is described as the final estimate. This increase compares to rates of 4.0 and 3.8 percent in the previous two quarters. The growth rates in 2001, 2002, 2003, and 2004 were .8 percent, 1.9 percent, 3.0 percent, and 4.4.
The U.S. economy experienced a recession in 2001 and had only modest growth in real GDP in 2002. Employment fell and unemployment increased for much of that time. Growth increased significantly beginning in the second quarter of 2003 and has continued to grow at a relatively rapid pace.
The current announcement along with improving employment reports continues the good news. The major causes of the 3.8 percent increase in real GDP were the increases in consumption, investment, and exports. The effects of those increases in spending were somewhat offset by a 9.6 percent (at an annual rate) increase in imports.
The price index for all of GDP increased at an annual rate of 2.9 percent during the quarter. It increased at a rate of 2.1 percent for all of 2004.
Definition of Gross Domestic Product
Gross domestic product (GDP) is one measure of economic activity, the total amount of goods and services produced in the United States in a year. It is calculated by adding together the market values of all of the final goods and services produced in a year.
- It is a gross measurement because it includes the total amount of goods and services produced, some of which are simply replacing goods that have depreciated or have worn out.
- It is domestic production because it includes only goods and services produced within the U.S.
- It measures current production because it includes only what was produced during the year.
- It is a measurement of the final goods produced because it does not include the value of a good when sold by a producer, again when sold by the distributor, and once more when sold by the retailer to the final customer. We count only the final sale.
Changes in GDP from one year to the next reflect changes in the output of goods and services and changes in their prices. To provide a better understanding of what actually is occurring in the economy, real GDP is also calculated. In fact, these changes are more meaningful, as the changes in real GDP show what has actually happened to the quantities of goods and services, independent of changes in prices.
Data Trends
The growth in real GDP at the end of the 1990s has been relatively high when compared with the early part of the 1990s. However, during the third quarter of 2000 and the first and third quarters of 2001, the rate of growth of real gross domestic product was actually negative as the U.S. economy entered a recession in March of 2001. The changes in real GDP were actually negative for the first time since the 1991 recession.
The Federal Reserve responded to slowing growth and the recession by reducing the target federal funds rate twelve times from January 2001 to January 2003. (See the Federal Reserve and Monetary Policy Cases.) The effects of stimulative monetary policy and the resulting low interest rates helped increase investment and consumer spending during and since the recession.
As the economy recovered, the growth of real GDP increased and beginning in June 2004, the Federal Reserve began to be concerned with potential inflationary pressures. The target federal funds rate was raised eight times to a current level of 3.0 percent.
The rate of increase in real GDP has been not only higher in the last several years than in the first part of the 1990s, but also when compared to much of the 1970s and 1980s. Economic growth, as measured by average annual changes in real GDP, was 4.4 percent in the 1960s. Average rates of growth decreased during the 1970s (3.3%), the 1980s (3.1%), and the first half of the 1990s (2.3%).
In the last five years of the 1990s, the rate of growth in real GDP increased to 3.9 percent, with the last three years of the 1990s equaling an average of 4.4 percent per year.
The upward trend in economic growth over the past decade has been accompanied by increases in the rates of growth of consumption spending, investment spending, and exports, somewhat offset by increases in imports. That pattern is identical to the results for this quarter. Productivity increases, expansions in the labor force, decreases in unemployment, and increases in the amount of capital have allowed real GDP to grow at the faster rates. The changes in productivity have had the most lasting effects on our average incomes.
Details of the First-Quarter Changes in Real GDP
Real GDP increased at an annual rate of 3.8 percent in the first quarter of 2005, the same as the increase in the fourth quarter of 2004. The major contributors to the increase in real GDP were the increase in overall investment of 10.9 percent, the increase in consumption spending of 3.6 percent, and the rise in exports of 8.9 percent. Government spending increased by .2 percent.
Increases in imports were 9.6 percent. This means that a portion of the increases in investment and consumption were not spent on goods and services produced in the U.S. and thus did not add to real GDP here.
The price index for GDP increased at an annual rate of 2.9 percent during the first quarter of 2005, compared to increases at annual rates of 1.4 and 2.3 percent during the third and fourth quarters of 2004. The price index for GDP for all of 2004 increased by 2.1 percent.
This gradually increasing rate of change in prices has been becoming of some concern as the Federal Reserve continues to increase the target federal funds rate. (See the most recent Federal Reserve case study.)
Why are Changes in Real Gross Domestic Product Important?
The measurement of the production of goods and services produced each year permits us to evaluate our monetary and fiscal policies our investment and saving patterns, the quality of our technological advances, and our material well-being. Changes in real GDP per capita provide our best measures of changes in our material standards of living.
While inflation and unemployment rates and changes in our income distribution provide us additional measures of the successes and weaknesses in our economy, none is a more important indicator of our economy's health than the rate of change in real GDP.
Changes in real GDP are discussed in the press and on the nightly news after every monthly announcement of the latest quarter's data or revision. The current increase in real GDP is discussed in news reports as a sign that the economy is growing and may well continue to do so. The upward revision in the growth rate may even receive some special attention in the press. However, we should be careful in attaching too much importance to any one month change in the data.
Real GDP trends are prominently included in discussions of potential slowdowns and economic booms. They are featured in many discussions of trends in stock prices. Economic commentators use decreases in real GDP as indicators of recessions. The most popular (although inaccurate) definition of a recession is at least two consecutive quarters of declining real GDP. The most widely used definition by policy makers and economists includes measures of changes in industrial production, retail trade, employment, and real income.
Explanations of GDP and its Components
It is common to see the following equation in economics textbooks:
Consumption spending (C) consists of consumer spending on goods and services. It is often divided into spending on durable goods, non-durable goods, and services. These purchases accounted for 70 percent of GDP in 2004.
- Durable goods are items such as cars, furniture, and appliances, which are used for several years (8%).
- Non-durable goods are items such as food, clothing, and disposable products, which are used for only a short time period (20%).
- Services include rent paid on apartments (or estimated values for owner-occupied housing), airplane tickets, legal and medical advice or treatment, electricity and other utilities. Services are the fastest growing part of consumption spending (41%).
Investment spending (I) consists of non-residential fixed investment, residential investment, and inventory changes. Investment spending accounts for 16 percent of GDP, but varies significantly from year to year.
- Non-residential fixed investment is the creation of tools and equipment to use in the production of other goods and services. Examples are the building of factories, the production of new machines, and the manufacturing of computers for business use (10%).
- Residential investment is the building of a new homes or apartments (6%).
- Inventory changes consist of changes in the level of stocks of goods necessary for production and finished goods ready to be sold (less than 1%).
Government spending (G) consists of federal, state, and local government spending on goods and services such as research, roads, defense, schools, and police and fire departments. This spending (19%) does not include transfer payments such as Social Security, unemployment compensation, and welfare payments, which do not represent production of goods and services.
- Federal spending now accounts for approximately 7 percent of GDP. Five percent of GDP is federal spending on defense.
- State and local spending on goods and services accounts for 12 percent of GDP.
Net Exports (NX) is equal to exports minus imports.
- Exports are items produced in the U.S. and purchased by foreigners (10%).
- Imports are items produced by foreigners and purchased by U.S. consumers (15%).
- Thus, net exports (exports minus imports) are negative, about 5% of the GDP.


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By Bill Sheets Herald Writer
LAKE STEVENS — A family business with a history of odor complaints is applying for a permit to mix solids left over from sewage treatment with soil, apparently to make fertilizer.
Tenelco has applied for a permit from the city of Lake Stevens for the soil operation. A similar business might have operated on the site in the past without permission from the city, according to city officials.
Dave Eldredge operates Evergreen Sanitation on the 22-acre site at 2910 and 3024 Old Hartford Road. This operation — separate from the soils mixing business — installs and pumps out septic systems and grease traps, and pumps out portable toilets. This business also has been operating without a permit, according to city officials.
Dave Eldredge said in a brief phone interview that his father's wife*, Catherine Eldredge, heads up Tenelco.
The site is located in the northeastern part of Lake Stevens, across Old Hartford Road from the Centennial Trail. A neighborhood abuts the western* side of the property.
A "for sale" sign is attached to the fence in front of the business. The entire parcel, including the buildings, is for sale for $3.8 million, according to the Workman Real Estate Service website. The site is owned by Eldredge Industrial LLC, according to Snohomish County property records.
Dave Eldredge did not respond to a list of email questions sent Monday — including an inquiry about why the property is up for sale while the family is trying to obtain business permits.
Neighbors of the site say the businesses generate odor, noise and dust.
The question often is, "Can we open our window today?" said Bryan Alldredge, who lives near the business site.
"The odors are just awful. It's raw sewage," said Judy Bales, whose home abuts the business property. "It's really disgusting, we have to shut our windows. We can't entertain in the summer. It's a nauseating stench."
Tenelco has been cited 10 times for offensive odors in recent years by the Puget Sound Clean Air Agency, said Laurie Halvorson, compliance officer for the Seattle-based agency. She did not say whether the company had been fined for the violations.
The family must have a plan for odor control to receive the permit for the soil mixing, Lake Stevens planning director Becky Ableman said.
Some type of sewage byproduct or sludge from a treatment plant likely would be used for the soil mixing, though Tenelco has not specifically said where it would come from, Ableman said. The company would not be able to use raw sewage from the sanitation business, she said.
Noise from Evergreen Sanitation also has been a problem for neighbors, Bales said.
"It's really noisy all the time," she said. "It's a constant drill in my head. We were hearing trucks at 3 in the morning last summer."
Dave Eldredge said in a brief email that Evergreen Sanitation sometimes must operate around the clock, seven days a week.
"Normally we shut down by 6 p.m., but if we get an emergency call, from say a municipality with a sewer line break, we fire up the trucks and go to protect public health and the environment," he said. "Sewer lines and pumps don't care if it's 2 a.m., they break when they break."
Ableman said the businesses will have to comply with city noise rules to receive the permit, but she couldn't say how that would affect the current decibel level coming from the business.
Tenelco was issued a biosolids permit in 2010 by the state Department of Ecology, even though it wasn't operating in Lake Stevens at the time, said Peter Christiansen, section manager for waste resources for the department. The permit is good for five years, he said.
The family has run several businesses on the Lake Stevens site since about 1990, according to the city, under different names — Evergreen Sanitation, Series Seven, Evergreen On-site and Eldredge Industrial.
All have operated without city permits, Ableman said.
Tenelco applied for a permit from the city in 2004 but did not follow through, Ableman said. Still, there was evidence of grading and soil moving on the site from 2004 to 2007, according to a 2009 letter from the city to Eldredge Industrial.
"We have been working with them since I've been here (since 2006) to get them into compliance and we have made progress," Ableman said.
Evergreen Sanitation installed an odor control system in 2010, she said.
"It has had some success. We do think there is another phase of that system that needs to be installed."
Ableman said she doesn't know why the businesses were allowed to operate without permits before 2006.
"There have been a number of things occur on the site and we have limited documentation on what that was," she said.
City staff visited the site in early February and found several other problems, according to a city letter to Tenelco dated March 7. The city found piles of garbage and debris, including car parts and hulk vehicles, along with algae blooms in standing water near a ditch that drains off of the property.
The ditch runs into Catherine Creek, which empties into Lake Stevens and Little Pilchuck Creek.
The city will need more information about the potential effect on the water in the creeks before deciding whether to approve the permit, Ableman said. Tenelco will have to improve drainage control on the site, according to the March 7 letter.
Clearing away the debris and junk would fall under grading and building permits that would be required for the operating permit to be issued, Ableman said.
The city aims to bring all the conditions on site into compliance with city rules, she said. So if a permit is issued to Tenelco, it would also bring Evergreen Sanitation into compliance as well.
In 2005 and 2006, more than 25,000 cubic yards of wood fiber waste from Kimberly-Clark operations was taken to the Lake Stevens site, presumably to be used for soil mixing, according to the city of Everett.
The city acquired the pile of wood waste when it bought the Kimberly-Clark Riverside site in 2004, said Chris Chesson, senior environmental specialist for the city.
The city paid Series Seven, doing business as Evergreen On-site, $355,600 to take the material.
The pile was tested before being trucked to Lake Stevens and found to contain high amounts of nitrogen and some amounts of arsenic, cadmium, chromium, copper and lead, according to a 2003 document. The state Department of Agriculture, which has jurisdiction over topsoil, signed off on it before it was removed, Chesson said.
"There was no indication that these levels are above anything that's going to create a problem," he said.
The soil will have to be tested as part of environmental studies on the site, Ableman said.
The family could either hire a firm to do the studies and have the results reviewed by the city, or the family could pay the city to supervise the work, she said.
"Either way it's got to be verified by the city," Ableman said.
The city then will decide whether a more detailed environmental study needs to be done. At that point, the public can weigh in, Ableman said. She did not have a timeline.
Judy Bales said that she and her husband, Mike, knew about the business when they moved into the home eight years ago, but didn't investigate it enough.
"If we had known what we were moving into we would not have bought this house."
Bill Sheets: 425-339-3439; email@example.com.
*Correction, Aug. 22, 2013: This story originally incorrectly identified the location of the neighborhood in relationship to the business. It also incorrectly state Catherine Eldredge's relation to the family.


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Tree Mezuzah By Emily Rosenfeld
A simple Tree of Life is a lovely adornment to your doorway. Emily Rosenfeld makes pewter Judaica that is modern with a touch of whimsy. Her mezuzot are hand cast pewter and can be hung indoors or out. Made in the USA.
SIZE: approx. 4.5" long x 1" wide.


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Although Ruiz is not eligible to play for the first 25 games of the season for violating the MLB substance abuse policy, he is eligible to play in the WBC and is a member of the Team Panama roster.
|Pete Orr will play in his second WBC for Team Canada. (Photo: Tom Szczerbowski-USA TODAY Sports)
Kennelly is an interesting choice, since he was converted from an infielder to a pitcher just last season, but is listed on the Australia roster as a pitcher. Kennelly will be joined on the Team Australia roster by his younger brother Matt, who is a catcher in the Atlanta Braves organization.
It's also slightly interesting that Aumont accepted the invitation, since he'll be battling for a spot in the Phillies bullpen. Lopez is also thought to be battling for a spot on the staff, although his odds are much longer than those of Aumont.
A bunch of players who were formerly in the Phillies organization will also take part in the WBC. Those players include: Mike Cervenak (Czech Republic), Jason Grilli (Italy), Nick Punto (Italy), Rod Barajas (Mexico), J.C. Romero (Puerto Rico) and Nelson Figueroa (Puerto Rico).
The WBC begins March 2nd with play in Pools A and B, while Pools C and D will start play March 7th. The U.S. is in Pool D, along with Mexico, Italy and Canada. The championship will be played at AT&T Park in San Francisco on March 19.


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Thursday, 12 April 2012
Thursday 12/04/12
Memories are for delusional people, who completely lack self-awareness and think that their miserable lives are worth remembering.
Childhood memories are the worst and there are very few undertakings more tedious than listening to a random 20-something trying to bond with a bunch of other tiresome everymen his age, by reminiscing about the cartoons they all used to watch when they were little. Similarly – and in direct competition with reciting one's dreams for the most unbearable expression of individualism – it is achingly dull to hear grown men go on about loving parents, blissful childhood summers, and secondary school mischief.
Luckily, even on those rare occasions that I suffer clarity of mind due to accidentally under-dosing on sedatives, there are just two singular, isolated incidents that I remember from my childhood: the Arts & Crafts incident and the Lift incident.
Arts & Crafts
We had A4-sized pieces of card with outlines of basic shapes drawn on them. And we had tiny pieces of coloured paper, each one no bigger than the nail on my small finger. In bright colours, of course, because I was 5 years old and small children are idiots with underdeveloped brains, who can't distinguish anything unless it's bright red or has a furry texture or moos like a cow. We were supposed to put glue on the card and stick the pieces of paper on, filling up the inside of each shape. These were the only instructions we were given, I swear.
I started taking each tiny piece of paper, cautiously applying glue to the back of it and slowly placing it flat on the card, each piece next to the previous one, forming seamless lines both across and down. The end result was geometrically perfect, presumably what every sensible human would be inclined to achieve.
The next thing I remember is a destructive Greek teacher standing over my head, scolding me for being so careful and meticulous in my task, before proceeding to sloppily apply some glue to my card and sprinkle the tiny pieces of paper over it completely haphazardly. The result was a mess. Some of the pieces were upside down exposing their white underside, some were half-drowning in glue with their dry parts seemingly trying to escape upwards, some were outside the shape borders and there were gaps everywhere. I wanted to cry. And I hated that tramp.
Looking back at the incident, however, she wasn't to blame. She was Greek, that was all. Faithful to her tribe, she was lazy, imprudent, irresponsible and thoughtless, exhibiting all the key characteristics that, two and a half decades later, would make Greece the plughole that sank that European monetary union. In retrospect, this was probably the day I instinctively decided to distance myself from those people; a decision, which reached its happy apex the day I acquired my British passport at the age of 21.
The Lift
The guy in the lift must have pressed the STOP button to make it come to a halt between floors. He got his dick out and a couple of minutes later I felt something wet dripping down the side of my head. I'm still not sure whether it was semen or urine. I was 7 years old and at that point I wasn't aware that anything else could come out of your willy other than pee.
I didn't even see the incident happen to be honest; I guess I was looking on the floor during the whole time, avoiding making eye contact with the stranger. I don't even know how we got out of there. Most likely my brother, who was 10 at the time, pressed the alarm, the guy panicked, started the lift again and bolted out when we got to the next floor. We ran up the stairs to the top of the building where my parents' apartment was and breathlessly blurted everything out to my mum.
She was there with some staff and her sister preparing the house for a party she was hosting later in the evening. That's the reason why she hadn't been the one waiting for me at the entrance downstairs when the school bus dropped me off, and she'd asked my brother to go meet me instead. I'm unsure of what the party was for. It might have been for my parents' wedding anniversary, my mum's birthday, something like that. This was my day now, anyway.
My mum's sister, always particularly boisterous, ran out and tried to find the guy, but it was too late. My mum took me to the bathroom and started vigorously washing my hair. That's when she told me the guy had 'peed' on me, but looking back on the whole thing, I'm suspicious. Why would a paedophile get trapped in a lift with two minors just to piss on them? Surely we were sexier than that?
6 comments:
- Ben said...
The temptation to make some cheap "happy apex" gag is difficult to resist.
- 13 April 2012 at 07:48
- mkf said...
with the exception of the title which i'm glad i didn't notice until afterwards, this may be the most brilliant blogpost i have ever read.
- 19 April 2012 at 14:28
- Ben said...
Am I really the only person to offer comment here? This is one of the most insightful posts ever to appear on this site. I guess people aren't looking for that sort of thing...
- 24 April 2012 at 08:31
- London Preppy said...
Sorry, I forgot to publish the comments.
Thanks, by the way
- 24 April 2012 at 10:10
- Ray said...
You're a great writer, North. I actually stopped reading Exit through the Wound because I don't want it to end. Oh yeah, and it was also making me a little suicidal. I have all your problems, without as large of a trust fund...
- 6 May 2012 at 01:41
- London Preppy said...
ray: That's really sweet, thanks (well, give out take the suicide; don't do that)
- 6 May 2012 at 01:49


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In Celebration of the Short Story
Bordentown, New Jersey
Avery Johnson
In researching local Bordentown, New Jersey history for this 1940 commission, Avery Johnson happened upon a steel engraving of the home of Joseph Bonaparte (older brother of Napoleon I and former King of Spain) perched at the top of a hill. Local lore had it that every winter, Bonaparte opened his pond to local children for ice-skating. While the children skated, Bonaparte would roll oranges and apples on the ice for them to chase. Today, locals say that the ghost of a man appears every so often to watch ice skaters on the local pond and rolls out oranges and apples that mysteriously disappear. Johnson's piece, like many other pieces of New Deal art, captured both a beautiful scene and local history. Johnson painted several Post Office murals across the country, and later taught at the Montclair Art Museum in New Jersey and the Newark School of Fine and Industrial Arts.
Photograph courtesy of the Public Buildings Service, General Services Administration.
Seneca, Kansas
Joe Jones
One of the most popular muralists of the New Deal Murals, Joe Jones, won this 1939 mural commission with a design of men on a wheat farm. However, as was common across the country, Jones and the local postmaster disagreed on the focus of the painting. The postmaster thought a wheat-farming scene was more appropriate for western Kansas where wheat was grown, than the Northeast where his post office was located and wheat wasn't a common crop. As a compromise, far in the background are some scenes of other, more general farming. Jones said he painted the mural for the craftsmen and farmers who knew the joy of building something with their hands from start to finish, a skill few people knew in the 1930s. Jones said of his piece: "Aside from the importance of wheat to Kansas my interest was in portraying man at work… man creating."
Photograph courtesy of the Public Buildings Service, General Services Administration.
Drowning in High Definition at CES 2013


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Anderson's Conn Valley Vineyards Cabernet Sauvignon Reserve (1.5 Liter Magnum) 2008
Cabernet Sauvignon from Napa Valley, California
Winemaker's Notes
100% Cabernet Sauvignon, 100% Estate grown.
The aroma has lots of sweet black fruit, ripe blackberries, Bing cherries, dark chocolate, ripe red rose and their crushed petals with hints of licorice and cigar box.
The taste has sweet tannins with hints of cedar, coffee and chocolate cake. Great intensity, full bodied with a multi-layered mouth feel. The smooth after taste and lingering finish should make this wine better for 12- 16 years and then hold for another ten plus after that!
Critical Acclaim
The Wine Advocate - "One of the few wineries to make a 2008 Cabernet Sauvignon Reserve that eclipsed its 2007 counterpart is Anderson's Conn Valley. A spectacular effort that is as black as a moonless night, this full-bodied wine boasts abundant aromas of creme de cassis, camphor and subtle oak presented in a voluptuously textured, full-bodied style with terrific richness and depth. Great intensity and opulence as well as a layered mouthfeel make for a remarkable wine that should age for 20-30+ years."
Anderson's Conn Valley Vineyards
Anderson's Conn Valley Vineyards are located just east of St. Helena in the Napa Valley where Conn Creek flows out of Howell Mountain. Twenty-six acres of vineyards, divided into nine blocks, along with a fifteen acre-foot reservoir are the heart of this 40-acre grape-growing paradise.
Separated from the Napa Valley floor by a north/south running ridge, the world-renowned wineries of Joseph Heitz and Joseph Phelps are located on the west side of this ridge and the Anderson's Estate Vineyards are on the east side at a perfect elevation of 400 feet.
The vineyards not only enjoy Napa Valley's superb microclimate, but share the same Bale Loam Series as are found on the famous Rutherford Bench. This combination of clay-loam soil and microclimate produces up to 106 tons of exceptional fruit each year. One from which a world-class Cabernet Sauvignon and Bordeaux-style blend, called Éloge, can be artfully handcrafted. View all Anderson's Conn Valley Vineyards Wines
About Napa ValleyView a map of Napa Valley wineries
It's hard not to think of Napa Valley when thinking of California wines. The region is, after all, the one that brought world recognition to California wine making. The area was settled by a few choice wine families in the 1960's who bet that the wines of the area would grow and flourish. They were right. The Napa wine industry really took off in the 1980's, when vineyard lands were scooped up and vines were planted throughout the county. A number of wineries emerged, from large conglomerates to small boutiques to cult classics. Cabernet Sauvignon is definitely the grape of choice here, with many winemakers also focusing on Bordeaux Blends. Whites are usually Chardonnay and Sauvignon Blanc.
Notable FactsWithin the Napa Valley lie smaller sub-AVAs that lend even more character specifics to the wines. Furthest south is Carneros, followed by Yountville, Oakville & Rutherford. Above those two is St.-Helena and finally, just granted an AVA, Calistoga. These areas are situated on the valley floor and are known for creating rich, smooth Cabernet Sauvignon, Merlot and Chardonnay. There are a few mountain regions as well, nestled on the slopes overlooking the valley AVAs. Those include Howell Mountain, Stags Leap and Mount Veeder. Wines from the mountain regions are often more structured and firm, benefiting from more time in the bottle to evolve and soften.
About CaliforniaIt's not rare to see a wine's country of origin listed as "California." A country unto itself in the wine world, California makes enough varieties and styles to match many European wine countries. It produces a diverse range of wines that span the quality spectrum.
The most famous of the California wine regions is Napa Valley, and these wines are certainly outstanding – but it's not as broad and diverse as its larger neighbor, Sonoma County. Down south, Santa Barbara's Santa Maria Valley is well-known for its Rhône blends, as well as cool-climate varieties like Pinot and Chardonnay. The Central Coast, the largest California AVA, has many different microclimates that lead to a wide range of wines with many sub-AVAs.
Customer ReviewsSign In to Add Your Review44 out of 5 stars


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House Democrats want to repeal debt ceiling
House Democrats are pushing legislation to repeal the federal debt ceiling, saying the borrowing limit has no practical purpose and has come to be used for political maneuvering that can have devastating economic repercussions.
New York Rep. Jerrold Nadler said the debt ceiling is arbitrary, doesn't affect the deficit and has become a Republican means to "blackmail" the country to advance the GOP's political agenda.
President Barack Obama earlier this week said he would not negotiate with Republicans over the debt ceiling, saying talks on spending cuts should be separate from raising the $16.4 trillion debt ceiling and averting a possible first-ever national default.
The debt ceiling has been in place since 1939. The Treasury says it will run out of borrowing power in mid-February to early March.
(Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)


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High Energy Theory Seminar - IAS - Dam Thanh Son, University of Chicago - The Geometry of the Quantum Hall Effect
We show how a diffeomorphism invariance of the quantum Hall systems, together with topological consideration, put strong constraints on the physics that goes beyond the Chern-Simons action. We show how the Hall conductivity at finite wavenumbers is constrained. We also derive new sum rules that govern the spectrum of low-energy excitations in a fractional quantum Hall system. We show how these sum rules can be saturated by a single quasiparticle which can be interpreted as a massive emergent graviton. We identify this massive graviton with the magneto-roton and discuss consequences for experiments.
Location: Bloomberg Lecture Hall - Institute for Advanced Study
Date/Time: 10/28/13 at 2:30 pm - 10/28/13 at 3:30 pm
Category: High Energy Theory Seminar
Department: Physics


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How saving money differs in your 40s, 50s and 60s
We already told you how your financial goals and habits vary from decade to decade in your 20s and 30s. The same is true as you move into your 40s and up until retirement. Here are some pro tips on how to take full advantage of each unique decade.
Things to DO in your 40s
Do meet with a financial planner to make sure you're on the right track to retire when you want and with the right amount to continue living the lifestyle you want. Retirement may seem very far away, but you don't want to let yourself be caught in your early 60s playing catch-up on your 401(k).
Do decide how saving for major purchases balances with your retirement saving. If you have children, are you going to pay for all or some of their college tuition? What about your children's weddings? These are examples of things that can cause parents to be caught off guard and can put a pause on your important retirement saving. For more information on these decisions, take a look at our recent post on Kids' college vs. retirement: where to save?
And one thing to AVOID in your 40s
Don't miss out on the maximum match from your employer on your retirement plan. As we've recommended from your first job in your 20s, be sure to take full advantage of the match from your employer. Of course, going above that amount is also a great idea; just be sure you're reaching that minimum amount to get your full match.
Things to DO in your 50s
Do think of this decade as your time to save the most (less expenses with children out of the home and typically higher income than you earned earlier in your career). Consider paying off high-cost debt, such as your mortgage, if you haven't already and then save aggressively.
Do add catch-up contributions to your retirement savings. Even if you're tracking well toward your retirement goals, you're allowed to save more now, so do it!
And one thing to AVOID in your 50s
Don't wait until your 60s to purchase long-term care insurance. The average age to buy this type of insurance is 57. If you wait until a few years later, it will be much more expensive.
Things to DO in your 60s
Do prepare aggressively for retirement…even before your planned last day of work. It's difficult to predict when health, layoffs or extra time needed to care for your aging parents will cause you to retire earlier. This is the case with more than 40 percent of workers.
Do think about downsizing. This isn't something that needs to wait until you're already retired. If you're single or if it's just you and your spouse in your home, consider where you want to live for the next few decades and if moving makes sense.
And one thing to AVOID in your 60s
Don't keep the same insurance policies you had in your 30s. You might not need life insurance anymore. Check your long-term care insurance policy to see what benefits it includes.
Remember, whether you're 21 or 68, it's never too late to improve your financial plan.
References: *2012 National Association of REALTORS® Profile of Home Buyers and Sellers
Inspired by a Daily Finance article
When you click links marked with the "‡" symbol, you will leave UMB's website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.
Ms. Ponce is a Financial Center Manager for UMB Bank. She is responsible for managing the Collinsville micro-market. She joined UMB in 1991 and has 23 years of experience in the financial services industry.


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PHOTO: Kim Kardashian shows off post-baby bikini body
Kim Kardashian shows off her post-baby bikini body on the cover of the new Us Weekly.
The reality TV star, who already took an infamous swimsuit selfie, took the new photos while strolling the beach on November 30, five and a half months aftergiving birth to daughter North.
Kardashian was bashed for her weight gain while pregnant and the subject ofphony plastic surgery rumors while regaining her famous figure afterward.
It looks like her confident strut in the skimpy white bikini, which will be seen on newsstands worldwide, is a way of firing back at the critics.
What do you think of Kardashian's new look?


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Robert Brock, Jeremy Cloyd and Brenna Murray discuss 'Pippin.'
by LindseyWilsonCollege
Cast members Lacy Martin & LaDevany Franklin 'Pippin.' by
COLUMBIA, Ky. -- The Lindsey Wilson College
Theatre Program will present the award-winning musical
Pippin Nov. 20-22 and Nov. 24 in V.P. Henry Auditorium.
The play is directed by Lindsey Wilson College Assistant Professor
of Theatre Robert Brock.
Pippin is the story of a young man, Pippin, and
his father, Charlemagne -- both real-life figures from the Middle
Ages. But that's where the story's similarity to history ends. The
musical -- which was written by Stephen Schwartz, who also wrote
Godspell and Wicked -- is about Pippin's search
for meaning in a seemingly dispirited world.
The play -- which opened on Broadway in 1973 and was
revived earlier this year -- has won four Tony Awards.
Brock -- who directed Godspell in 2012 at LWC --
says Pippin is also about the magic of theater.
"Pippin is about life in the theater. It's about
magic of theater, the magic of illusion, the magic an actor has to
bring an audience along on a story," Brock said. "And in that story, in the story
of Pippin, the character of Pippin … sets out to find his
own way."
As part of cast members' preparation for the LWC
production, they attended a performance of the revival on Broadway
and also had a workshop with a cast member from the Pippin
"They learned how intense those people work, how good
they are at what they do, and how much they train," Brock said.
LWC student Jeremy Cloyd of
Tompkinsville, Ky., who plays Pippin said that Pippin especially
appeals to young people because the musical's story is about
"I like Pippin because it relates to who I am and who
were are as a college student," Cloyd said. "You don't go into
Pippin and read through Pippin and get to do
Pippin without seeing this journey to find fulfillment --
this journey that we all go on. … You see Pippin get scared, and
you see Pippin get anxious and nervous, and then you see him get
real excited and fall back down on his face."
Brenna Murray of Russell Springs, Ky.,
plays the Leading Player -- the character in the troupe who helps
guide Pippin on his journey. Brenna says she has learned a lot of
life lessons from working on the show.
"Finding what's right within your heart … is kind of a
big lesson that I've learned," she said. "Do what you feel is
right, maybe not so much what other people are telling you."
Pippin will be performed at 7 p.m. CT Nov. 20-22 and
2 p.m. CT Nov. 24 in V.P. Henry Auditorium, 210 Lindsey Wilson St.
For ticket information, contact Robert Brock at email@example.com
or (270) 590-4803. Follow the show at @PippinLWC2013.
The Cast
Leading Player -- Brenna Murray of Russell Springs, Ky.
Pippin -- Jeremy Cloyd of Tompkinsville, Ky.
Charles -- Lake Salsbury of Campbellsville, Ky.
Lewis -- Timothy Hoffman of Glasgow, Ky.
Fastrada -- Lacy Martin of Gamaliel, Ky.
Berthe -- Brooke Spatol of Louisville, Ky.
Catherine -- Erika Finley of Hopkinsville, Ky.
Theo -- C.J. Bonifer of Greensburg, Ky.
Player -- LaDevany Franklin of Glasgow, Ky.
Player -- Mariah Lane of Henderson, Ky.
Player -- Bethany Wilhelm of Clay, Ky.
Click here to view almost 1,000 pictures from
the photo call.


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September 15, 2005
FOS11 Statement Regarding Release of9/11 Commissioners Report on Recommendations
Families of September 11 (FOS11) is pleased to see the issuance of the former 9/11 Commissioners report card on homeland security. The report clearly outlines, and Hurricane Katrina's horrific aftermath demonstrated, that our government, local, state and federal, is not yet prepared for the type of disasters, manmade or natural, that are sure to affect our country. There needs to be a measure of accountability regarding preparedness, response, and recovery in any disaster, whether terrorist or natural, as well as the creation of a stronger infrastructure.
We are shocked and dismayed at the lack of progress in transportation security, and call on the Department of Homeland Security to release the National Strategy for Transportation Security, due by law on April 1, 2005, and the National Infrastructure Risk and Vulnerability Assessment, due by law June 15, 2005. Without a strategy or assessment, how can our government best utilize and prioritize the billions of dollars being spent?
FOS11 acknowledges the work that has been done, but recognizes the urgent need to address outstanding pressing and vital issues, including:
We call on Congress, the President, and industry to recognize the needs of our nation to protect our homeland and stand prepared. September is National Preparedness Month, and there is no better way to honor that than to put aside politics and profit margins and do what is right to make our country safe and secure.
The security of its people is our government's top priority. FOS11 strongly supports the work of the former 9/11 Commissioners and their nonprofit, the 9/11 Public Discourse Project, in their effort to make our country more safe and secure.