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This study is provided by ICPSR. ICPSR provides leadership and training in data access, curation, and methods of analysis for a diverse and expanding social science research community.
Census of Population and Housing, 2000 [United States]: Summary File 1, States (ICPSR 3194)
Principal Investigator(s): United States Department of Commerce. Bureau of the Census
Summary File 1 contains 100-percent United States decennial Census data, which is the information compiled from the questions asked of all people and about every housing unit. Population items include sex, age, race, Hispanic or Latino origin, household relationship, and group quarters occupancy. Housing items include occupancy status, vacancy status, and tenure (owner occupied or renter occupied). There are a total of 171 population tables ("P") and 56 housing tables ("H") provided down to the block level, and 59 population tables provided down to the census tract level ("PCT") for a total of 286 tables. In addition, 14 population tables and 4 housing tables at the block level and 4 population tables at the census tract level are repeated by major race and Hispanic or Latino groups. The data present population and housing characteristics for the total population, population totals for an extensive list of race (American Indian and Alaska Native tribes, Asian, Native Hawaiian, and Other Pacific Islander) and Hispanic or Latino groups, and population and housing characteristics for a limited list of race and Hispanic or Latino groups. Population and housing items may be crosstabulated. Selected aggregates and medians also are provided. Summary File 1 is released in the form of individual files for each of the 50 states, the District of Columbia, and Puerto Rico.
Series: Census of Population and Housing, 2000 [United States] Series
Access Notes
The public-use data files in this collection are available for access by the general public. Access does not require affiliation with an ICPSR member institution.
WARNING: Because this study has many datasets, the download all files option has been suppressed, and you will need to download one dataset at a time.
WARNING: This study is over 150MB in size and may take several minutes to download on a typical internet connection.
Study Description
United States Department of Commerce. Bureau of the Census. Census of Population and Housing, 2000 [United States]: Summary File 1, States. ICPSR03194-v2. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2004. https://doi.org/10.3886/ICPSR03194
Persistent URL: https://doi.org/10.3886/ICPSR03194.v2
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
Scope of Study
Subject Terms: census data, demographic characteristics, ethnicity, group homes, Hispanic origins, household composition, housing, housing occupancy, population, race, states (USA)
Geographic Coverage: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, United States, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
- 2000
- 2000
Universe: All persons and housing units in the United States in 2000.
The data are provided in 40 segments [files] per state. These segments are the Geographic Header, Tables P1-P5, P6-P18, P19-P33, P34-P45, P12A-P12E, P12F-P16I, P17A-P27C, P27D-P28E, P28F-P30H, P30I-P34I, P35A-P35I, PCT1-PCT9, PCT10-PCT11, PCT12, PCT13-PCT17, PCT12A,...,PCT12O, PCT13A-PCT13E, PCT13F-PCT15C, PCT15D-PCT17B, PCT17C-PCT17E, PCT17F-PCT17H, PCT17I, H1-H20, H11A-H15I, and H16A-H16I. The Geographic Header segment is in fixed-format ASCII and the Table files are in comma-delimited ASCII format. The Geographic Header has 83 variables and the Table segments have 8,196 variables total. The Geographic Header has a record length of 400 characters. The record lengths vary in the Table segments. Segments 1-11 and 37-39 have more cases than segments 12-36.
The part numbers are not consecutive. They correspond to FIPS codes for states.
self-enumerated questionnaires
Extent of Processing: ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection:
- Created variable labels and/or value labels.
Original ICPSR Release: 2001-07-26
- 2013-05-24 Multiple Census data file segments were repackaged for distribution into a single zip archive per dataset. No changes were made to the data or documentation.
- 2006-01-12 All files were removed from dataset 85 and flagged as study-level files, so that they will accompany all downloads.
- 2006-01-12 All files were removed from dataset 84 and flagged as study-level files, so that they will accompany all downloads.
- 2006-01-12 All files were removed from dataset 83 and flagged as study-level files, so that they will accompany all downloads.
- 2006-01-12 All files were removed from dataset 82 and flagged as study-level files, so that they will accompany all downloads.
- 2006-01-12 All files were removed from dataset 81 and flagged as study-level files, so that they will accompany all downloads.
- 2004-09-23 The codebook (Part 85) has been replaced with updated codebook from the Bureau of the Census. The SAS, SPSS, and Stata data definition statements (Parts 82-84) have been corrected.
- 2002-01-25 The codebook (Part 85) was replaced, and SAS, SPSS, and Stata data definition statements (Parts 82-84) were added to the collection.
- 2001-08-24 Parts 2, 12, 13, 15, 19, 21, 23, 33, 37, 40, 45, 49, 53 and 54 (states Alaska, Florida, Georgia, Hawaii, Iowa, Kentucky, Maine, New Hampshire, North Carolina, Oklahoma, South Carolina, Utah, Washington and West Virginia) were added to the collection.
Related Publications
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- Citations exports are provided above.
Export Study-level metadata (does not include variable-level metadata)
If you're looking for collection-level metadata rather than an individual metadata record, please visit our Metadata Records page.

subset: commoncrawl


text:
A ventricular septal defect (VSD) is a defect in the wall called the septum that is between the heart's 2 lower chambers called the ventricles. A septal defect is often referred to as a hole in the heart.
Normally, the right side of the heart receives oxygen-poor blood and pumps it to the lungs where it is filled with oxygen. The blood is then sent back to the left side of the heart, which pumps oxygen-rich blood to the rest of the body. But with VSD, the heart pumps inefficiently. The oxygen-rich blood is pumped back to the lungs.
VSD can lead to enlargement of the heart and high blood pressure in the blood vessels of the lungs.
Most VSDs are a type of congenital heart defect, meaning they are present at birth. It is unclear why VSDs develop, but genetics may play a part. Although rare, some VSDs can occur after a heart attack or trauma.
Risk Factors
VSD is more common in young infants and children. Other factors that increase your chances of VSD include:
- Parent with a septal defect
- Genetic defects such as Down syndrome or other inherited disorders
- Use of alcohol , phenylhydantoin, or isotretinoin
- Rubella during the first trimester of pregnancy
- Maternal diabetes or phenylketonuria
A small VSD may not cause symptoms Some VSDs may cause the following symptoms:
- Heart murmur
Signs of heart failure during infancy
- Difficulty feeding
- Poor growth
- Fast breathing
You will be asked about your child's symptoms and medical history. The exam will include listening to your child's heart to detect a heart murmur. If a heart problem is suspected, your child will likely be referred to a pediatric cardiologist. This is a doctor who specializes in heart problems in babies and children.
The heart may need to be viewed. This can be done with:
The heart activity may be tested. This can be done with electrocardiogram .
Bodily fluids may need to be tested. This can be done with blood tests.
The oxygen in your blood may be tested. This can be done with pulse oximetry.
Talk with your doctor about the best treatment plan for you or your child. Treatment options include the following:
Watchful Waiting
More than half of VSDs will close on their own. If there are no signs of heart failure, the doctor may recommend periodic check-ups to see if the defect closes on its own.
Surgery is often recommended to repair large VSDs that cause symptoms or that have not closed by 1 year of age. This involves open heart surgery to place a patch over the hole.
Extra Nutrition
In cases of VSD in which a child fails to gain weight, extra nutrition may be needed. This consists of high-calorie formulas, breast milk supplements, and tube-feedings.
Since it is unclear what causes congenital VSDs, there is no known way to prevent them. Acquired VSDs may be prevented by early treatment of heart attacks.
Revision Information
- Reviewer: Michael J. Fucci, DO; Michael Woods, MD
- Review Date: 06/2015 -
- Update Date: 05/11/2013 -


text:
VolCorp Offering New Mobile App
VolCorp is now offering its 266 member credit unions the mobile app from CU Mobile Apps of Franklin, Tenn.
The Nashville, Tenn.-based corporate cited functionality and price in its decision.
"We're very price-sensitive on behalf of our credit unions. We know how difficult things are right now for most credit unions across the country. It was of particular importance to us that CU Mobile Apps provided a robust and affordable mobile app for our members," said Sandy Swofford, VolCorp's senior vice president of marketing and business development.
CU Mobile Apps works on Android and iPhone devices allows subscribers to easily upload images, choose colors, customize their display and change content requires no contract and can easily integrate new technologies as they become available, said Rick Hargis, owner/partner of the app's owner, Member Service Solutions LLC of Franklin, Tenn.
The app also includes the ability to quickly create and send alert notifications, special offers, and loan or account rate information to members' smartphones, Member Service Solutions said. QR capability also is included.
Member Service Solutions said it now has about 50 credit union clients using the app it launched last year.


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You contradicted yourself"This Susanoo is destruction-incarnate, everyone who has seen it, has died."
This proves Uchiha Madara had the Perfect Susanoo long before he attained the Rinnegan, hence...his EMS version is all that he needs to stabilise and Perfect his Susanoo.
"Yata no Kagami for defense, Totsuka no Tsurugi for offense, he is invincible".
Black Zetsu, the will of Uchiha Madara himself, who pertains all of his knowledge and original decisions, deemed the combination of those two weapons as invincible, hence.....the bearer of those weapons is invincible.
"I told you not to open your mouth so easily! You're just words and no actions, what someone like you says is worth nothing!"
Yes he has a great personality, yes he tries his very best, yes he is loyal to his village and yes.....he is super smart and elite! That still doesn't change the fact that Kakashi has never kept his word or promises, whether due to extremely bad luck, hesitation or pure lack of chance......Kakashi's words are not worth much.
"He was known as the God of shinobi!"
Even though we haven't seen it, and many people don't want to believe it, Sarutobi Hiruzen, in his prime, was the strongest shinobi to have ever lived. I have put this fact here because Kishimoto himself has confirmed it and it is certainly believable seeing that a 70 year old Hiruzen who had lost most of his strength and chakra to his old age, sealed away 2 former Hokage, Senju Hashirama and Senju Tobirama, took away all of Orochimaru's jutsu, putting a dent in his plans for years, and leaving him whimpering and screaming like a child, at 70! Edo Madara is not included in this because he is just a soul wrapped in dust and earth and not a living breathing human.
Edo Madara is the strongest being!
Whether living or dead, natural or abnormal, he has unlimited chakra, an indestructible and regenerative exterior, Mokuton, EMS, Rinnegan, Perfect Susanoo, years upon years of battle experience........Edo Madara is the strongest thus far and there is no denying it!


text:
Fox Patrol
Fox Badge
Get the Fox Badge and More
The BSA provides you with the Fox Badge and much more. For any who can claim "I used to be a fox", the Fox Badge is for you. Along with the badge, the BSA provides many other fox items that you can get here at the BSA Store!


text:
Empire Tickets, Inc. is an Atlanta-based ticket broker specializing in premium seats to high-profile sporting events, concerts, and theatre productions across the United States. Our company offers tickets for a broad spectrum of events. We are able to provide availability of tickets or event access through our various contacts and sources. Our ticket prices are often higher than the face value of the tickets and reflect the effort and costs of obtaining and reselling the tickets. To get the actual face value printed on the tickets you are considering for purchase please contact our sales team at 404-467-0227, option 1.
We are not affiliated nor licensed with Gregory Popovich's Comedy Pet Theatre, Ticketmaster, Live Nation, Tickets.com or any box office, promoter, venue, stadium, theatre, hotel, sport team, or sporting association. Any and all copyrights, trademarks, or trade names used within our web sites are for descriptive purposes only. We do not act on the authority or official permission of any of the above mentioned entities.
Buy or Sell your Gregory Popovich's Comedy Pet Theatre Tickets, and tickets to other Theatre events at Empire Tickets.


text:
Filene Readying for Next i3 Class of Innovative CU Execs
Filene Research Institute is preparing to take applications for its next i3 innovation group program.
The application process opens May 1 and closes on June 1 for the two-year session, open to non-CEO executives at CUSOs and credit unions that are members of the Madison, Wis., credit union think tank.
More than 20 of the leadership development program's alumni – about 13% so far – have gone on to become CEOs of a credit union or system organization, Filene said.
"Ideas created in the i3 program have gone on to change state laws, improve the financial lives of millions of consumers, save countless millions of dollars for credit unions and drive new members to the credit union system," the organization said.
Along with the application process, which includes a 100-question behavioral/entrepreneurial assessment – acceptance to the i3 program includes:
- Commitment and support of their credit union's CEO or manager
- Commitment to pilot at least two i3 ideas
- Commitment to attend two national meetings per year and cover all associated travel costs
- Regular group work and meetings beyond the national meetings
"To move credit unions forward and truly improve outcomes for members, communities and the cooperative finance movement, we have to build an environment fertile for creative collisions," said Filene Innovation Director Matt Davis.
"A key ingredient to making this happen is making sure bright, creative people with a 'let's roll up our sleeves and get this done' attitude are able to meet, play and build with people like them," Davis said.
More information on the application process for i3 is online.


text:
June 22, 2011 marked a major shift in the regulatory environment. The SEC adopted rules for implementing the Dodd-Frank Act, yet they did not take these actions unilaterally. These necessary actions substantiate core provisions of the Dodd-Frank Act. According to SEC Chairperson Mary L. Schapiro, "These rules will fill a key gap in the regulatory landscape."
Changes to the Investment Advisers Act
As was mentioned on several occasions in this book, rules are created to interpret legislation passed by Congress. The SEC's new rules enforced Congress' legislative intent in passing the Dodd-Frank Act. Many changes to the Investment Advisers Act were authorized by Title IV of the Dodd-Frank Act.
Among other changes, the new rules:
- reallocated oversight of certain mid-sized advisors to state securities regulators;
- made changes to Form ADV and its instructions;
- repealed the private advisor exemption found in section 203(b)(3) of the Investment Advisers Act; and
- provided a new definition of assets under management.
The new rules help the SEC to identify which RIAs must make the transition to state registration.
Impact of Dodd-Frank on Mid-Sized Advisors
The Dodd-Frank Act created a new RIA category referred to as "mid-sized advisors", and it shifted primary responsibility for regulatory oversight of mid-sized advisors to the states. Mid-sized advisors are defined as those firms with assets under management that range from $25 million to $100 million.
The SEC adopted Rule 203A-5 to ease the transition from SEC to state registration. Mid-sized advisors registered with the SEC as of July 21, 2011, must remain registered with the Commission until January 1, 2012. All advisors registered with the SEC as of January 1, 2012, regardless of size, must file a one-time amendment to their Form ADV no later than March 30, 2012. This filing generally coincides with the advisor's annual updating amendment filing if their fiscal year ends in December and will require them to update all of the items in Form ADV. Mid-sized advisors no longer eligible for SEC registration must switch to state oversight and withdraw their federal registrations by June 28, 2012. Since Wyoming does not regulate RIAs, an investment advisor with its principal place of business in that state, must be SEC-registered unless the firm is exempt from registration with the Commission.
Before switching from SEC to state registration, however, a mid-sized advisor should refer to the investment advisory laws for that state to determine if the firm is exempt from registration. If the mid-sized advisor is not required to register with the securities regulator of the state in which the firm maintains its place of business, it should remain SEC-registered. Mid-sized advisors should also remain SEC registered if the state in which the firm maintains its principal place of business does not subject advisors to an examination. For example, New York does not currently conduct examinations of advisors, so mid-sized RIAs domiciled in that state must be SEC-registered. It remains to be seen if other states will not be conducting examinations of RIAs.
Rule 203A-2 contains exemptions from the prohibition on SEC registration. The start-up exemption applies to advisory firms who expect to be eligible for SEC registration within 120 days of their registration approval date. There is a multi-state exemption for RIAs required to register in at least 15 states. RIAs in that category may choose to register or remain registered with the SEC.
Rule 203A-1 was adopted to prevent an RIA from being forced to frequently switch between SEC and state registration as the value of its assets under management change. The SEC has set up a buffer zone for mid-sized RIAs with assets under management which rise above or fall below the $100 million threshold. The new rule raised the threshold to $110 million, at which time the advisor must register with the SEC. If an advisor is already SEC-registered, the firm does not need to withdraw its registration until its assets under management fall beneath the $90 million threshold.
Mid-sized advisors eligible for a Rule 203A-2 exemption, along with advisors to a registered investment company or business development company under the Investment Company Act, may not rely on the buffer. Those entities are required to register with the SEC, regardless of the amount of their assets under management. In addition, those advisors that register with the SEC because they expect to have $100 million in assets under management within 120 days may not rely upon the buffer.
Multi-State Advisors
Under the new rules, the SEC amended the multi-state advisor exemption to align the rule with the Dodd-Frank requirements. This exemption now permits all investment advisors required to register as an investment advisor with fifteen or more states to register with the SEC. The previous requirement was that the advisor needed to be registered in at least thirty states.
An RIA relying on the multi-state advisor exemption must withdraw from SEC registration when it is no longer required to be registered in at least fifteen states. Advisors are only required to assess their eligibility for SEC registration annually.
As we saw in Differences Between State and SEC Regulation of Investment Advisors, NASAA launched a coordinated review program on November 29, 2011, easing the transition process for RIAs switching from SEC to state registration. The program is available to SEC-registered investment advisory firms who must switch to state registration in four to fourteen states.
Regulatory Assets under Management
The new Form ADV instructions refer to "regulatory assets under management," instead of the traditional term, "assets under management." Regulatory assets under management include securities portfolios for which RIAs provide continuous and regular supervisory or management services.
Assets must be included in the calculation, even if they are:
- family or proprietary assets;
- assets managed without compensation of any kind; or
- assets of foreign clients.
Revised instructions to Form ADV require an RIA to calculate its regulatory assets under management on a gross basis. An RIA may not deduct any unpaid outstanding loans or other accrued liabilities. An RIA should not deduct securities purchased on margin when calculating regulatory assets under management. The SEC's rationale is that it does not matter if a client has borrowed money for purchasing a portion of the regulatory assets under management.
The SEC's intent was to provide a uniform method for calculating assets under management to maintain consistency for registration purposes and risk assessment. Using a uniform method for calculating assets under management prevents RIAs from excluding assets in order to avoid registration or to remain state registered. In addition, the uniform method is intended to prevent inconsistent application of the Investment Advisers Act to RIAs managing the same amount of assets.
When the SEC implemented its new rules, they also revised the Form ADV instructions. RIAs must now provide the specific number of employees who are IARs or licensed insurance agents, whereas in the past, Form ADV required RIAs to select from a range of numbers. RIAs must also report the number and types of clients receiving advisory services. An approximate number of clients is acceptable if the firm has over 100 clients, and the approximate number of clients who are not United States persons must be reported.
There are new categories for business development companies, other investment advisers, and insurance companies. The RIA must answer questions regarding the types of clients it advises, specify the percentage each client type comprises in relation to the total number of clients, and report the approximate percentage of regulatory assets under management attributed to each client type.
Registration Changes
As a result of the SEC's new rules, pension consultants may be forced to transition from SEC to state registration. Only pension consultants providing investment advice to plans with assets exceeding $200 million may remain SEC-registered. Until now, a pension consultant was permitted to be SEC-registered if it provided investment advice to plans with $50 million or more in assets.
Family offices are entities established by affluent families for wealth-management and other services to members of the family. Historically, family offices were not required to register with the SEC, because there was an exemption provided to investment advisors with fewer than fifteen clients. This fifteen client exemption was repealed, so that the SEC could regulate hedge fund and other private advisors. Under the new rules, however, certain family offices still do not need to be registered as investment advisors.
A family office will be excluded from registration under the Investment Advisers Act if it:
- is wholly owned by family clients and is exclusively controlled by family members and/or family entities;
- does not hold itself out as an investment advisor to the public; and
- only provides investment advice to "family clients" as defined by the rule.
Generally, the term "family members" includes all lineal descendants of a common ancestor who are no more than ten generations removed from the youngest generation of family members. Lineal descendants include adopted children, stepchildren, foster children of a common ancestor, and descendants' spouses or spousal equivalents. The family office is also permitted to advise key employees, charities, and certain family trusts, without losing its exemption from registration.
Those family offices not qualifying for the exclusion must register with either the SEC or the appropriate state securities regulator by March 30, 2012.
Hedge Funds and Private Equity Funds
As previously noted, advisors to hedge funds and private equity funds were entitled to a registration exemption if they had fewer than fifteen clients or funds and did not hold themselves out as investment advisers. These formerly-exempt advisors have until March 30, 2012, to register with the SEC, and the application must be filed by February 14, 2012, allowing forty-five days to review it.
The SEC also revised Form ADV instructions guiding advisors of private funds in determining their regulatory assets under management. The following steps must be taken by the advisor.
- The firm must include the value of any private fund over which it exercises continuous and regular supervisory or management services.
- The firm must include the amount of any uncalled capital commitments made to a private fund managed by the adviser.
- The firm must utilize the market value of private fund assets or the fair value of private fund assets where market value is unavailable.
This third instruction prevents an investment advisor from electing to value its assets based on their cost, which is likely to be lower than valuing assets based on their market value. As previously mentioned, the advisor must use the fair value of fund assets where market value is not available.
Amendments to Form ADV are intended to gather detailed information from advisors of private funds. This information includes conflicts of interest and identification of key service providers.
There were three new exemptions from registration created for advisors of private funds. These exemptions apply to:
- advisors solely to venture capital funds;
- advisors that only give advice to private funds with less than $150 million in assets under management; and
- certain foreign advisors that have no place of business in the U.S.
The first two groups in this list are referred to as exempt reporting advisors. Even though they are not required to register with the SEC, exempt reporting advisors are subject to strict reporting, recordkeeping, and other compliance obligations. Although exempt reporting advisors file the same Form ADV as RIAs, they only need to respond to certain items and questions. Exempt reporting advisors must file their first Form ADV between January 1, 2012 and March 30, 2012.
The Big Picture
Cost of compliance plays a major role in decisions made by advisory firms. In situations where an RIA has the ability to choose between state or SEC registration, the firm may try to anticipate which regulatory oversight will be less burdensome. For example, some state securities regulators are conducting examinations of RIAs registered in that state, but do not have an office there. Historically, the state where an RIA has its principal place of business conducts any examinations that occur. If an RIA may be subject to examinations by some or all of the states in which it is registered, the firm may choose SEC registration if it qualifies for the multi-state advisor exemption.
Conversely, if regulatory oversight of SEC-registered investment advisors becomes oppressive, a firm might choose to remain state registered for as long as possible. It might even turn down clients if their assets will make the difference between state and SEC registration.


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Dont like this deal if it includes Ed Davis. I hated everything about Ed's game last year. This year he looks like a completely different player. I think he has even improved from his first start till now.
I don't think Gay is that great either. If we were trading for an actual perennial all star I could see the trade including davis, but this guy is B-Tier at best and he is having a bad season with an absolutely gross contract that expires in 2 years when we are probably not going to be even contending for 3 years at a best case scenario. AKA this guy will bail. I think raptor fans are just in love with this guy because he always daggers us at the end of games.


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Can you believe this president? He made trips all over the country to try to organize people to jump on the Republicans over this silly sequestration. Once again, there were no cuts to spending. Cuts were made to the automatic increased spending. Overall they have more money for these agencies and programs and are spending more this year than last year. How long does it take people to wake up to this con man who has perpetrated the biggest fraud this country has ever seen?
He seems to be on the outside looking in with no suggestions, no debate, nothing constructive, only plays the blame game over and over. This man simply doesn't understand what it means to be president and that he actually is supposed to govern and make decisions. If he actually made a decision or jumped into the fray to debate then he could be held accountable. That's not his style. No budget since he's been in office because his buddies in the Democrat Senate simply won't do their job and he does nothing.
I know we have to put up with this nincompoop for four more years but we don't have to applaud his inability to behave like a president. Media, please stop covering up for him and speak out.
Catherine Spencer
Via email


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Not a fan of Coangelo's however if no trades ensue this appears to be initiated by Casey. Obviously a problem between them and for all those who wanted accountability this is what it looks like...Sacremento! It is hard to believe he hadn't been shopped for awhile. Without a further trade this is his market worth. Don't get me wrong , I liked Johnson.
I liked Johnson as a role player. Seems like he wasn't interested in being a role player though. I have no problem shipping out a guy who clashes with the coach and isn't really a major player on the team.
I dont create controversies. Theyre there long before I open my mouth. I just bring them to your attention.
-- Charles Barkley
James Johnson was 1 of the few Raptor players I enjoyed watching, especially since they were preaching defense. He was by far our best perimeter defender. I question whether BC & co. really look into advanced statistics. Funny that Bayless had the 2nd best impact on the team, after Jose & James Johnson had the best defensive impact BY FAR. I'm going by ASPM metric here.
The sad thing is, Johnson's salary of $2.8 M wouldn't have been seen as one that should be dumped had we not overpaid for Landry frikkin Fields & Kleiza (few years back) in the first place.
How do you explain giving away your best perimeter defender on a team that apparently prides itself on defense now? By saying he was a power forward in a small ball line-up? That this is a move for flexibility? What? Flexibility? I hate that damn word. I hope this somehow lands us Iguodala or someone like him. Only in that scenario will I eat my words.
Raptor fan who was greeted with GOOD F*CKING MORNING TO YOU by Bryan Colangelo & his damn smirk.
I dont create controversies. Theyre there long before I open my mouth. I just bring them to your attention.
-- Charles Barkley
For me I saw no value, really, none. He was an ok defender, he had some bright flashes, but we were a terrible team last year that presented the opportunity for a lot of not so great ballers to look better than they really were. I call it the 'Voshon Leonard Effect'
So to me, I'm happy to say bye bye to almost everyone on the team, with the exception of Bargs..unless it put in position for a great trade. I'd also like to see something good happen with Calderon...I think Matt52 has a pretty solid concept right there.
Anyways, for those who loved JJ I'm sorry (not really), now let's focus on grabbing some legit talent.
i8theball.com it's a website...about, you know....basketball.
RIDICULOUS!! wtf BC!! if brooklyn could send some garbages and acquire an allstar joe johnson why in the world would you send pieces like this to collect so called 2nd rounders which ends up being solo and pj tucker!! like seriously!! have you guys ever imagined if we could have somehow ended up getting joe johnson and pairing him up with kyle lowry!! that would have been SOMETHING to cheer about!!
I think BC wants out of Toronto too and soon will get his wish
I haven't seen this second rounder play yet so I will reserve judgement until that happens. Then ill give him a few years to amass a body of work for me to properly compare that to what has become of JJ. Expect my post regarding this matter in 3 years.
I used to cringe every time Johnson touched the ball on offense. Sure, he had some nice blocks and dunks, but IMO, it didn't warrant playing him significant minutes.
If I'm an opposing GM, it would be hard to convince me to give up much for a bench player on a lottery team.
Obviously they were waiting for the Landry Fields signing to be confirmed. Their statistics are not much different. It looks like we traded a problem, not necessarily a bad player. Certainly a steal for Sacramento. They've gotten themselves a very good player for peanuts.
Reading between the lines I feel he did not accept the role of defensive stopper which was Coach Casey's perception of him and aspired to be a key element offensively which did not jibe with his skill set. Its fine to want to get better but not at the expense of good shot selection and fitting in realistically with your teammates.
I just think like a lot of today's basketball players he overestimated his potential contribution on offence and wanted more touches, shots, floor time and a bigger role in the running of the team offence. Coach Casey disagreed. That I believe was the nature of the rift and my take on why he was moved.
Good luck in Sacramento.
The best way to predict your future is to create it - Peter Drucker
Sacramento fans are pretty upset about this trade as well, but hypothetical starting lineup for the Kings:
JJ was not part of the plan moving forward ... Now we don't have to pay him nearly $3M which makes room for other moves, either now or a few months into the season.
His defence was really fun to watch, but shooting and sometimes decision making were limitations for him. Both Fields and Kleiza were likely to be ahead of him, so why not get a 2nd rounder out of it? Doesn't seem like a huge return, but there's no way BC pulls the trigger without getting a true sense of his league-wide value.
As much as my heart wants to keep Jose, a great basketball move for us now would be a trade that sends:
Jose and Ed Davis,
and returns:
A SF upgrade starter, and solid backup PG.
Lowry/Backup PG
Upgrade SF/Fields/Kleiza
The only way to bag a classy lady is to give her two tickets to the gun show... and see if she likes the goods.
And the return for the Bosh SnT is officially a second rounder? Bayless was acquired by the TPE, James Johnson was acquired by Miami's first rounder and then flipped for this deal receiving the Kings second round pick... If I had a crystal ball I'd assume BC flips this newly acquired 2nd rounder for future considerations leaving the Raps with nothing!
Wasn't a big fan of JJ but thought he could be packaged in with Jose and one of Amir or Davis for a all-star caliber player like Iggy, Gay, Deng or Granger.
With the last two moves (Bayless rescinded offer and JJ trade) the rotation is looking more and more obvious. starters and backups 1-3 are figured out with 4 PF's still on the roster (3 of them needing minutes in Dre, Amir & Ed) and 2 centers.
I'm not sure if there is still ongoing internal conflict between JJ and DC, but IMO this is a bad move.
I would have loved to see JJ play starter minutes, at least 34-36 a game. He may not be a scorer, but he could do the intangibles, much like a Garbo type player.
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Melanoma removal is a surgery to remove cancerous tissue in the skin.
Reasons for Procedure
A melanoma removal is done to treat melanoma. For some it may be a cure for melanoma.
Possible Complications
Complications are rare, but no procedure is completely free of risk. If you are planning to have a melanoma removal, your doctor will review a list of possible complications, which may include:
- Infection
- Bleeding
- Nerve damage
- Scarring
- Incomplete removal of all cancerous cells
- Recurrence or spread of cancer
Smoking may increase the risk of complications.
What to Expect
Prior to Procedure
Depending on the stage of the disease, your doctor may do the following:
- Physical exam of skin
- Skin biopsy of any other suspicious lesions
- Blood tests
- Image tests such as Chest x-ray , CT scan , MRI scan , or PET scan
Local anesthesia is often used to numb the area where the cancer is removed. General anesthesia may need to be used if the area is large. In this case, you will be asleep.
Description of the Procedure
Surgical removal of the cancerous cells is the primary treatment for melanoma. Types of surgery include:
- Simple excision—The tumor is cut out, along with a small amount of normal skin at the edges. The wound is stitched back together. This type of surgery may leave a scar.
- Wide excision—The tumor is cut out along with a larger area of normal skin. This will help make sure there are no cancer cells left behind.
- Amputation—A finger or toe may be removed if the cancer is on the digit.
- Lymph node dissection—Nearby lymph nodes may be removed if there is concern that the cancer spread. The removed lymph nodes will be sent to a lab for study.
The area may be closed with stitches. A larger area may need to be covered with a skin graft from another area of your body.
After Procedure
In more advanced cases of melanoma, other treatments may be necessary. These include:
- Chemotherapy
- Radiation therapy
- Immunotherapy
How Long Will It Take?
This depends on the extent of the melanoma and the type of surgery. Simple excision can take less than 1 hour.
Will It Hurt?
Anesthesia prevents pain during the procedure. You may have some pain around the wound during recovery. Medication will help manage pain.
Postoperative Care
Return to have any stitches or staples removed when instructed.
Talk to your doctor about appropriate ways to protect your skin against sun damage. These may include using sun block and wearing protective clothing. You will also need to have regular skin exams to look for the return of cancer cells. Do self-exams to look for any new or changing moles. Your doctor can show you how to do a self-exam.
Call Your Doctor
Contact your doctor if your recovery is not progressing as expected or you develop complications, such as:
- Signs of infection, including fever and chills
- Redness, swelling, increasing pain, excessive bleeding, or any discharge from the incision site
- Pain that you can't control with the medications you've been given
- A new lump or discoloration in your skin
- A change such as color, bleeding, itching, or growth in an already-existing mole, either at the surgical site or in a new location
- Any other new or unexpected symptoms
If you think you have an emergency, call for emergency medical services right away.
Revision Information
- Reviewer: EBSCO Medical Review Board Mohei Abouzied, MD
- Review Date: 03/2017 -
- Update Date: 06/24/2013 -


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That's all you really need to know about why Kakashi's hand is through Rin. Here's the likely scenario:
The zetsu told Obito that Rin and Kakashi were in a situation facing multiple jonin. I don't doubt it. The two are fighting them off, and, suddenly, Kakashi's sight is blinded by an unknown jutsu. All he sees is blackness. He hears Rin and is fighting blinded to protect her. He lights up his chidori and stabs in the direction of one.
The jonin all sink into the earth and disappear, releasing the jutsu. As the jutsu releases, both Obito and Kakashi's vision become clear; Kakashi has just killed Rin. Obito shows up just in time, all according to Madara's plan.
As Madara predicted, Obito will return to Madara thanks to this staged event.


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Former World Series MVP Renteria retires
By Andrew Simon / Special to MLB.com
Five-time All-Star shortstop and 2010 World Series MVP Edgar Renteria officially announced his retirement on Thursday, bringing an end to his 16-year career.
Renteria, who did not play last season, told a television station in his native Colombia that he wants to spend more time with his family.
"I always wanted Colombia to know before the rest of the world. This is my official retirement," Renteria told RCN Television, in comments translated by CBSSports.com. "I feel proud, I feel satisfied with what I did, my heart is telling me that's enough and it's time to retire. You have to know when to retire and that's why I took a year and a half to rest and think about what I was going to do. This is the right time."
Renteria last played in 2011, logging 96 games for the Reds and hitting .251/.306/.348. The previous year, he went 7-for-17 (.412) with two home runs in the Giants' Fall Classic win over the Rangers, smacking the go-ahead three-run shot off Cliff Lee in the seventh inning of Game 5.
That was not Renteria's first World Series-winning hit. In 1997, he lead the Marlins past the Indians by going 3-for-5 in Game 7, including a walk-off single in the 11th inning.
The Marlins signed Renteria out of Colombia in 1992, and he debuted in the Majors in '96, finishing second in the National League Rookie of the Year voting to the Dodgers' Todd Hollandsworth. He later played for the Cardinals, Red Sox, Braves, Tigers, Giants and Reds, putting up a career .286/.343/.398 batting line, with 140 home runs, 923 RBIs and 294 stolen bases. He won three Silver Slugger Awards and two Gold Gloves at shortstop along the way.
Renteria's finest season came with St. Louis in 2003, when he finished fourth in the NL with a .330 batting average and 34 steals, while posting career highs in OPS (.874) and RBIs (100).
Andrew Simon is a contributor to MLB.com. This story was not subject to the approval of Major League Baseball or its clubs.


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Train Montpellier → ColmarFrom HK$0
Find a Train Ticket
Overview The average travel time between Montpellier and Colmar is 6h53 minutes. The quickest route is 5h02 minutes. The first train leaving Montpellier is at 09:50, the last at 23:02. There is an average of 12 trains a day between Montpellier and Colmar, leaving approximately every 58 minutes.
- Departure station : Montpellier st-roch (Place Auguste Gibert BP51238 34011 Montpellier)
- Arrival station : Colmar ( )
Mulhouse ville (10, Avenue du Général Leclerc 68100 Mulhouse)
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Main stations in Montpellier and Colmar
Departure station
Montpellier Saint Roch Train Station
Address: Place Auguste Gibert BP51238 34011 MontpellierOpening hours: Monday to Friday: 4:45am to 12:30am
Saturday and Sunday: 4:45am to 12:30am
Public holidays: 4:45am to 12:30am Trains operating in and from this station:
High speed trains (TGV), Intercity trains (Téoz), Night trains (Lunéa), Regional trains (TER)
SNCF rail agents, Facilities for disabled persons including wheelchairs and boarding ramps, Lost and found, British Transport Police, Tourist Information Point, Toilet, Luggage storage, Wi-Fi Internet and Phone cabins.
Travel inspiration in Montpellier and Colmar


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Well, here it is folks. After announcing the availability of
Vista Beta 2 for developers and IT professional two weeks ago, the
latest build is now available for public
MSBLOG reports
that the English, German and Japanese builds are available in x86 and x64
versions. You will have to download the 3GB+ ISO file with a download manager provided by
Akamai Technologies.
Considering that this is a huge software release for consumers,
be sure to post in the comments sections about your
thoughts/experiences/likes/dislikes about the new operating system. I've been
using it for the past week and have generally been impressed so I'm eager to
see what you guys think.
Updated 06/08/2006: Get your product keys here.


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With foreign hands having a part in the design and
construction of the KC-45, some in Congress weren't too happy with the move.
"We should have an American tanker built by an American company with
American workers. I can't believe we would create French [and British] jobs in
place of Kansas jobs," said Todd Tiahrt, a congressman from Kansas.
Boeing filed
a formal protest against the Air Force's decision with the Government
Accountability Office (GAO) in March. Boeing contended that it deserved the
contract due to numerous errors and concessions made during the competition and
noted that it provided "75 years of unmatched experience building
tankers" and "offered the Air Force the best value and lowest risk
tanker for its mission".
It looks as though Boeing has quite a bit of pull in
Washington, because the GAO sided
with Boeing's protest. "Our review of the record led us to conclude
that the Air Force had made a number of significant errors that could have affected
the outcome of what was a close competition," said the GAO in a statement.
"We recommended that the Air Force reopen discussions
... obtain revised proposals, re-evaluate the revised proposals, and make a new
source selection decision, consistent with our decision," the GAO
Further stacking future proceedings in Boeing's favor, the
GAO reported that the Air Force performed "unreasonable"
cost/performance analysis with regards to the Northrop Grumman/EADS entry
versus Boeing's competing entry. Had those errors not have been made; the GAO
concluded that Boeing would have been the low-cost champion of the competition,
and likely the overall winner.
The Air Force will in essence have to start the competition
all over again to satisfy the GAO's requests – in the mean time; the aging
KC-135 fleet will still take to the skies. "In theory, the air force has
60 days to answer. But in reality, it's obvious they're going to have to start
over," said Lexington Institute military analyst Loren Thompson.
EADS, as expected, wasn't exactly elated with the GAO's
decision. "Though we are disappointed, it's important to recognize that
the GAO announcement is an evaluation of the selection process, not the merits
of the aircraft," said EADA spokesman Louis Gallois.
"We will support our partner Northrop and remain
confident that the KC-45 is the aircraft best suited to make the Air Force's
critical mission requirements, as demonstrated by four previous competitive
Not surprisingly, Boeing is ecstatic about the ruling.
"We welcome and support today's ruling by the GAO fully sustaining the
grounds of our protest," said Boeing tanker group VP Mark McGraw. "We
look forward to working with the Air Force on next steps in this critical
procurement for our warfighters."
Supporters of Boeing's protest in Congress also welcomed the GAO's
decision. "The GAO's decision in the tanker protest reveals serious
errors in the Air Force's handling of this critically important competition. We
now need not only a new full, fair and open competition in compliance with the
GAO recommendations, but also a thorough review of -- and accountability for --
the process that produced such a flawed result," said Senator Carl Levin
"The GAO did its work, and the Air Force is going to
have to go back and do its work more thoroughly," added Representative Ike
Skelton (D-Missouri).
You can read the GAO's full report including seven areas in
which it found the Air Force's decision to be flawed here.


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Search Results
Use the search box below to revise your search, or start a new search.
Are you looking for crime and criminal justice data? The National Archive of Criminal Justice Data facilitates research in criminal justice and criminology through the preservation, enhancement, and sharing of data.
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Boomer Drain Sets Stage for New Female Horizons: Editor/Publisher's Column
As the brain drain of the baby boomer generation begins in the workplace, largely made up of white men, women necessarily will play a crucial role in filling the open spaces. Our latest Women to Watch honoree, Wanda Chambers, stated that "innovation is born from necessity," and so goes the case for the promotion of female executives.
Because the boomers are such a large generation that will be retiring, female executives must comprise a larger part of the management mix. Gen X as a whole coming up behind the baby boomers is so small relatively speaking, it is a good thing that many of the boomers are pushing retirement back until 67 years of age, up from 63 just a decade ago according to Gallup. However, the shifting demographics and attitudes will also make it easier for junior female executives to rise up the ranks as they choose.
Women represent nearly half of the workforce but comprise just 23% of all American CEOs, but that percentage has increased three-fold over the last 20 years, according to Jean Lau Chin, a professor at Adelphi University. The number of female executives coming up behind them was not much better, according to "Gender Bias and Compensation in the Executive Suite of the Fortune 100" in the Journal of Organizational Culture, Communications & Conflict.
Females held 24, or 5.8%, of executive positions in 2003 based on the proxy statements of Fortune 100 (2007). However, this finding represented a massive improvement over 1997 figures, which showed 51, or 2.6%, of the officers at Fortune 500 companies were women. Relatively little has been done to study the impact specifically on the credit union community.
The JOCCC piece sited a 1996 survey, which found that male executives said that women lacked the requisite experience. Female executives admitted that was an issue but felt it was secondary to male stereotyping. A combination of both is the truth.
Does sexism still exist? In the truest sense of the word, I'd have to say no. In the 21st century, it is more subconscious but still systemic. Networking is one area where you can see it exists. I once made a joke about taking up golf because that was the only way to get anywhere. The male I was talking with told me, "No, you don't want to do that because men get frustrated that women can't hit the ball as far." Thus, women can be excluded from heavy-duty networking opportunities.
"The Advancement of Women to Top Management Positions in the Human Resource Management Domain: A Time for Change?" published in the International Journal of Business and Social Science, stated that women are often pigeon-holed into positions that are considered feminine, such as human resources because it involves caring for others. The report stated that markets demanded diversification and promoting women up through human resources achieved that goal "without giving up the traditional classification of female and male work." It also noted that at the same time as women were taking the human resources departments by storm, the esteem of the profession was rising.
More research is needed on leadership development and how that can impact the rise of female executives. When the baby boomer exodus does ramp up, as I stated previously, more female executives will necessarily have to backfill those positions. Proper experience and training must be ensured, but thus far many programs are focused on fixing women to play the man's game, as stated in "Taking Gender Into Account: Theory and Design for Women's Leadership Development Program," published by the Academy of Management Learning and Education.
The article noted research that found, among graduates of top business schools, women's career trajectory was not on par with the men's, and females' advancement in their careers has even slowed in recent years. Rather than jamming a round peg in a square hole, the article suggests providing tools for leaders to do what the author called the "identity work" to become leaders by internalizing that identity and developing an elevated sense of purpose.
The gender bias and compensation article pointed out that twice as many women as men launch startups. They're looking to carve out their own destiny and want to be in charge. Korn/Ferry International surveyed women who left careers to strike out on their own and found that 40% cited lack of advancement and 43% stated lack of recognition were key factors. Another 48% said they were turned off by the corporate politicking, and a full 58% wanted the opportunity to make a strategic impact.
Don't let these leaders stray from the credit union community, one of the most inclusive industries in existence. Promoting qualified women more as part of succession planning is crucial to business continuity within credit unions, as well as ensuring diversity of ideas and styles for greater innovation.


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From the Archive
The Day James Hunt Never Met Niki Lauda
September 12, 2013
by Peter Marlow
View profile
Brands Hatch 7th November 1976, World Formula 1 champion, Great Britain's James Hunt with a cigarette in one hand and a tankard of beer in the other, was besieged by fans in a "Tribute to James" day. Surprisingly, later that day Niki Lauda arrived piloting his own helicopter, whilst they were good fiends and once shared a flat in London, that day to the crowds huge disappointment, they never met.
The summer of 1976 was long and hot it was an epic tale of rivalry between the two. They were polar opposites who were actually great friends.
During the 1976 season Lauda dominated the early part winning four of the first six races. In July Hunt won races in France and Britain, A fortnight later Hunt won again, at the Nürburgring, but Lauda ended the day in a hospital bed, terribly burnt after a horrific accident. That night a priest administered the last rites. There were six races left and Hunt was 26 points behind Lauda.
As they went to the final round in Japan Hunt was just three points behind. McLaren had taken advantage of the gap between the final two races to hire the Fuji circuit, a track hosting its first Grand Prix and therefore unknown to all the teams, for an exclusive McLaren test. After a few laps the gearbox seized, bringing the test to a premature close, but the team had had the advantage of acclimatising themselves to the new circuit. Conditions for the race itself were torrentially wet, and Lauda retired early, unable to blink because of facial burns from his accident in Germany. After leading most of the race Hunt suffered a puncture, But he managed to finish in third place, scoring four points, enough for him to win the World Championship by one point.
Dangerous times create dangerous men. Hunt lived on the edge. Alcohol, drugs and sex were all enjoyed in excess He died aged 45 in 1993.
Legend has it that in the build-up to the last race of 1976 he slept with 33 British Airways stewardesses in just two weeks. If it's not the mark of a man, it's a certainly display of patriotism!


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Riding Wave of Record Loan Growth, Credit Unions Prep for 2013
The Rundown
- Since 2007, credit unions have originated $1.5 trillion in loans to consumers and small businesses.
- Experts suggest expanding risk, mimicking successful programs to grow loan portfolios.
- Offer a myriad of options to low income members as alternatives to high interest rate loans.
Amuch anticipated gift arrived during the holidays when third quarter data showed credit unions posted their strongest loan performance in history.
Through the first three quarters of 2012, the industry posted 4.2% loan growth with credit unions in nearly every state experiencing upticks in lending, according to Callahan & Associates.
Loan originations hit the $88 million mark as of the third quarter, which was a 31% increase over the same period in 2011. Overall, credit unions held nearly $600 million in loans as of Sept. 30.
Callahan said credit unions have originated more than 105 million loans totaling $1.5 trillion to small businesses and consumers since 2007 or around the start of the Great Recession.
So how can the industry keep the momentum going in 2013? Credit Union Times asked several experts to offer a few strategies on how credit unions can continue to grow their loan portfolios this year.
Jeff Martin
Autoland Inc., an auto buying CUSO
Chatsworth, Calif.
Credit unions are in an interesting position on growing their auto loan portfolio. Most have a challenging time building portfolio, especially on loans secured by new vehicles due to competitive pressure from the manufacturers' captive finance arms. As such, many find their auto lending serving the used car niche. Delinquency challenges during the recession swung the pendulum towards a focus on well-qualified borrowers, or prime A and some high B paper.
I was listening to a presentation recently by John Humphrey, senior vice president, Global Automotive Operations, J.D. Power and Associates, on the current auto industry trends emerging. Interestingly, in 2012 the highest growth we saw was is in the C and D paper lending tranche, with retail sales to C FICO scores increasing 24% and to D FICO scores increasing 29% nationally year over year.
This year offers promise for credit unions interested in expanding auto lending. As the seasonally adjusted annual rate, which depicts the selling rate of vehicles for a particular month, for automotive sales is projected to increase to 15 million, which translates into more opportunity. I am also enthused that many credit unions today have strong balance sheets and declines in delinquency and repossession rates. This positions them to adopt the following strategies.
Expand Risk. I believe that credit unions can use their expertise and the lessons learned during the recent downturn to create an expanded risk profile, appropriately priced to increase volume substantially as a larger part of their risk strategy. This could impact not only volume but also increase their competitive success and the number of new car loans funded. I especially like this as a part of a direct loan strategy. Closing these loans at the credit union with a personal touch has, from my past experience, strengthened ownership of expectation for the member about paying habits.
Finally, because of the depth and breadth of the recession, bad things happened to good people. These members previously had strong credit but were perhaps negatively impacted by forces outside of their control. Their character did not change; only their finances did due to job loss etc. By helping them in their time of need, the credit union can now create long term brand advocates in addition to expanding their loan portfolio.
Adopt Best Practices. Following an established path to success will quickly enhance results, whether through a direct loan strategy, which is the value we bring to partners, or through an indirect strategy managed internally or provided through a third party. Reach out to your vendor or another credit union to determine what their best practices are for success.
There are certain fundamental strategies for each channel that a credit union should define, plan and execute. I believe it all starts with setting an individual goal for each channel. Most vendors should have a best practices roadmap or recommendations for success that has been tested and proven over time. Once you have those practices defined, execute them, meet on them regularly and pivot if necessary to achieve maximum results.
Robert Dorsa
American Credit Union Mortgage Association
Las Vegas
Have a Positive Reply. One of the many results of the housing bubble has been more focus on the home finance and payments required to purchase or sustain a home. During that discussion, borrowers have become much more familiar with the process and details that ever before.
Beyond rates and fees, the financial institution that satisfies their need gains much more than a transaction – hopefully a relationship.
Any institution that answers a member's inquiry with "we do not offer that type of loan," should likely transfer that call directly to Wells Fargo. With an industry high of nearly 40% market share, they know how to cultivate the transaction and relationship. You may get one chance to convert that member to your credit union, please don't waste it.
Have the Right People. That may sound like a cliché but it is very true. The news is touting mortgage loans being available at Walmart or Costco. While that may sound appealing to some consumers, it is the customer service experience that may create consumer dissatisfaction in the process. In the front office, having talented loan originators to compete with the big banks is essential. Homebuyers seeking loans will quickly distinguish a loan originator that is sharp and truly looking to place the borrower's interest first. This sounds like a page from the credit union handbook.
In the back office, with the anticipated complex set of regulations in both origination and loan servicing coming, you need skilled staff to get the loan completed properly, both for the short term benefit of the borrower and long term security for the credit union. This is and may be one of the last great opportunities to obtain the members your organization needs for the next several generations.
Cooperative Center Federal Credit Union
Berkeley, Calif.
The credit union is the 2012 recipient of the Excellence in Lending award in the consumer lending – assets less than $250 million category from the CUNA Lending Council and CUNA Mutual Group.
Consider Indirect Lending. The indirect system was focused on dealerships submitting applications to our loan department. We had heard the horror stories about credit unions that were engaged in indirect lending. We also studied some of the success stories. We made it a point to have a strict underwriting process to ensure the quality of the loans we were making prior to funding. We also made the decision to employ a part-time dealer representative to visit local dealerships and build relationships in lieu of developing business for the credit union.
Offer Alternatives. We offered our members an unsecured debt consolidation for the purpose of helping our members who had found themselves in high interest rate credit card or payday loans. The amounts of the loans were for up to $25,000. The member had to be willing to receive credit counseling and they agreed not to take on additional debt until the consolidation loan was paid off. They agreed to allow us to pull their credit report once every six months to monitor their progress. We funded 127 of these loans for a total dollar volume of more than $866,000.
Refund Express. Since we offer free tax preparation during tax season for low income members we developed a small dollar loan product for members to received their tax refund quickly rather than having to wait. We implemented it for the first time in 2011 but usage was low. However, we feel this product has a lot of potential to server our low income members in the future.
Private Student Loans. Part of our membership base is the students, faculty and staff members of the University of California in Berkeley. With the changing environment of student lending we made the decision to add to our lending portfolio a private student loan product to offer our students. We are in the third year of offering this product and our balance is more than $1.79 million.
Member Business Lending. We also identified that our local community small businesses were being turned down for the smaller business loans and that there was a potential market for us to help the community. We developed and launched a small business lending program. We received our SBA certification and identified a local state guarantee program that will guarantee up to 80% of the loan amount.
Marketing. Create innovative approaches to target members, expand channels, and creatively execute marketing strategies.
Larry Middleman
CU Business Group, a business lending and services CUSO
Portland, Ore.
Going into 2013, it is critical to build loans but at the same time not get too desperate and put loans on the books just for yield. Credit quality is the no. 1 long term success factor in business lending Given that, I believe credit unions can grow their loan portfolios through either or both of the following ways.
Make Traditional Loans. Whether that's to the coffee shop down the block or the landscaper on the other side of town. Credit unions are becoming more known in the marketplace as an alternative for business loans, and banks continue to have tight and inconsistent credit standards. Businesses need lines of credit and loans for equipment and operations, and there is a niche for credit unions making smaller loans in the range of $50,000 to $100,000 to these businesses.
The other niche with existing members is in smaller multi-family and commercial real estate properties where credit unions can lend in the range of $500,000 to $5 million. The competition heats up as the dollars get larger though, so be prepared for tough negotiation on interest rates and loan terms.
Buy Quality Participations. Buy from reputable sources. This increases the credit union's business loan portfolio and lessens the load on in-house staff resources as you are relying on the lead lender. But at the same time, you really need to understand the lead lender you are partnering with. Granting a commercial real estate loan is a long term endeavor and having a quality lead lender in place is critical. My recommendation is to underwrite the lead lender in a similar manner as you will underwrite the loan.


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Did you know that bone loss begins for many of us at age 30? Whether you are a man or woman, you will begin to lose bone density year after year. An important step is to regularly replenish and increase your body's intake of calcium as well as vitamins K1, K2 and D3.
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Mumbai hosts INTERPOL training course to boost counter-terrorism capacity across Asia
MUMBAI, India – Enhancing the level and use of INTERPOL's tools and services to build capacity and operational connectivity in order to prevent and disrupt terrorist activities in the region was the focus of the INTERPOL Capacity Building Programme on Counter-Terrorism in Asia held in Mumbai, India.
The two-week (29 April – 10 May) course – which brought together 16 law enforcement officials from Afghanistan, Armenia, Azerbaijan, Brunei, Georgia, India, Kazakhstan, Mongolia, and Uzbekistan – was the final session in a three-year programme organized by INTERPOL's Capacity Building and Training Directorate and sponsored by the Department of Foreign Affairs and International Trade Canada (DFAIT). Phase three will reunite participants to conduct operational activities at key border points, with the first operation planned in Southeast Asia in late June.
Commissioner of Mumbai Police Satyapal Singh, highlighted the importance of a community-based policing approach in order to better challenge terrorist activity and the vital importance of regional cooperation and INTERPOL's tools and services.
One of the key aspects of the programme is to further develop the relationships between National Central Bureaus (NCBs), border security, customs and counter-terrorism experts on a regional basis by providing enhanced training in international best practice and the use of INTERPOL's tool and services.
Director of INTERPOL's Capacity Building and Training, Dale Sheehan also underlined the need for participants to share the experience gained during the course with their colleagues at the national level.
Consul General for Canada in Mumbai, Richard Bale who attended the opening of the meeting said, "Terrorist organizations are more sophisticated than ever. Our high-tech world has made communication possible with almost anyone, anywhere, instantaneously. It means that terrorist operations are better supported and more coordinated than ever. It is a pleasure to see law enforcement officials from Asia gathered together to focus on the common goal of preventing and combating terrorism."
Instructors at the Mumbai course came from across the Indian security community, including the Mumbai Police, the Central Bureau of Investigation and the National Investigative Agency, as well as from the INTERPOL General Secretariat, Lyon.


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The Cortez Journal encourages people to submit announcements about upcoming events for the Community Calendar. Send announcements to email@example.com. Items submitted at least two weeks in advance will have a better chance of getting published; items submitted several days before the event might not get published. For more information, call the Journal at 565-8527.
Christmas on the Trail & Night of the Cowboy Western Gear Show
The Goodnight Trail Gallery in downtown Mancos will host our 4th annual Christmas on the Trail event on Tuesday, Dec. 18 at 5 p.m. Everyone is invited! The Rockin' W Chuckwagon will be in front of the gallery, making chili, cowboy coffee, and homemade desserts. There will be a lot of new work in the gallery, and this is also Nathaniel's Hats and Goodnight Trail Gallery's Night of the Cowboy Western Gear Show. Live traditional country music will be provided by Lynne Lewis. For more information, call Jamie at 533-1177.
Poetry with Yule bards you'll enjoy
Join Art Goodtimes, Rosemary Wahtola and David Feela for an intimate conversation of poems that promise to entertain and inspire from 5 to 7 p.m. on Wednesday, Dec. 19, at the Cortez Cultural Center, 25 N. Market St. Sweeter than sugar cookies, stronger than eggnog and more interesting than stocking stuffers. Listening is free and the event is open to the public. Wine and goodies will also be available for a donation. For more information, call 565-1151.
Cortez community mobile blood drive
United Blood Services will hold a mobile blood drive on Saturday, Dec. 22, from 9 a.m. to noon at Walmart, 1831 Main St. Look for the Bloodmobile. Donors should have identification with them at the time of donation. To set up an appointment or for more information, call 385-4601 or sign up online at www.unitedbloodservices.org.
Cortez Audubon Christmas Bird Count
The Cortez Audubon Christmas Bird Count will be held on Wednesday, Dec. 26. Participants should meet at 8:30 a.m. in front of the Cortez Cultural Center, 25 N. Market St. Routes will be handed out on a first-come, first-served basis. The Christmas Bird Count is an Audubon-sanctioned event and used to help compile data. The count is open to all birders - from beginners to experts - and beginners can go with a more experienced birder. Participants can bird for as many hours as they want - from several hours to all day. Participants receive the annual summary, and in lieu of the $5 participant fee, Audubon is asking for voluntary donations. For more information, call Carolyn at 882-7742 or 529-3544.
Mother & Daughter Teatime Luncheon
Christian Women's Celebrations will be having a Snowflake Spectacular - Teatime by Candlelight Luncheon on Saturday, Jan. 5, at noon at the Elks Lodge, 2100 N. Dolores Rd. Mothers and daughters are invited and will be honored. A princess party dress fashion show will be featured by girls ages 4 to 18. Call 560-3328 if you would like to model. Songs with sparkle will be performed by Amanda, Skylar and Sariah Robinson. Speaker Teresa Reynolds will tell a story fit for a princess. The luncheon is $14.50 per person and includes the meal, dessert, beverage and tip. Reservations should be made by Monday, Dec. 31 by contacting Cindy Bennetts at email@example.com or 560-3328. Complimentary tickets are offered for first timers and daughters under age 18.
Health presentation 'Heavy Metals and Depression'
"Heavy Metals and Depression - Make the Connection" will be presented by Dyanna Hoffman, Natural Health Practitioner, on Friday, Jan. 4 from 5 to 6 p.m. in the Mesa/Canyon Room at the Cortez Recreation Center. T.O.N.I. share sessions are free of charge and open to the public. Listen, learn and share on topics of health interest. For more information, call Joe Keleher, T.O.N.I. facilitator, at 565-5448.


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Great find.
Is anyone aware of a streaming site the works with an android tablet!?
Omg rod black.. somebody end this man's career...
Let's send Mike Woodson to the allstar game!
let's put a defensive stop on the 'Future Hall of (L)Famer'
anyone getting a link with raptors commentary?
damn thought as much. second game in a row like this
well this going swimmingly so far
I hate the crowd that the heat attract... It feels like we are playing on the road..
The Baltic Beast is unstoppable!
That's weird, no Basketball Crush?
So far the only thing I like is Bosh has taken a lot of jumpers....Raptors fans know, the more jumpers Bosh takes, the more likely his team loses.
Gray, substitution, now.
Unfortunately that's not the case with the heat. He's taking those jumpers all year and he's pretty good at it. It creates room on the inside for Lebron and Wade.
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Stabbing victim 'a devoted mother'
The family of a mother-of-five who was stabbed to death in a New Forest field have spoken of their "devastation" at the death of a "remarkable person" and a "devoted mother".
Penelope Davis, known as Pennie, had been tending to her two horses in the field near Beaulieu, Hampshire, at about 4.40pm on Tuesday, September 2, when she was killed.
The 47-year-old supermarket worker from Blackfield was found by her husband, Pete, who is said to be "distraught" at her death.
A statement released by the family through police said: "We are devastated by the death of our beloved mother, wife, daughter, sister and friend.
"Pennie was a remarkable person. She was a devoted mother of five children who worked hard to ensure that they had everything they needed. She cared for and supported them in everything they did.
"In May she married her love, Pete, at a joyful occasion surrounded by her loved ones.
"Pennie was the kind of woman who once she became your friend she was a friend for life. We are overwhelmed by the outpouring of love and grief that her death has caused.
"She was particularly close to her mother who is devastated by her death and who joins the whole family in appealing to everyone for help in finding the perpetrator of this crime."
Detective Superintendent Paul Barton, of Hampshire police, said: "We carried out an autopsy on Mrs Davis yesterday at the Royal Hampshire County Hospital and I can reveal that the cause of death was multiple stab wounds.
"This is therefore a murder inquiry."
Mr Barton said that Mrs Davis visited the field on a daily basis to tend to her horses and that her husband would often meet her there.
He said that at this stage it was not known if the killer was known to her and would not comment on whether a murder weapon had been found.
He said: "She comes down to tend her horses every day, the time may vary depending on her shift pattern.
"Her husband is extremely distraught at the moment."
Mr Barton added: "We urgently need to trace and speak to witnesses. We want to speak to anyone who was in the area of the paddock by Leygreen Farm on Tuesday afternoon between 2pm and 5pm.
"This is just north of Beaulieu and a popular route used by local commuters from Lymington to Southampton to avoid Lyndhurst.
"We believe there will have been tourists in this area at the time as well as commuters, walkers, and people out fishing in the adjacent river.
"Anyone who thinks they can help is urged to call us as soon as possible by dialling 101 and asking for Op Biscotti. Information can also be left anonymously with Crimestoppers on 0800 555 111."
Mr Barton said that about 70 officers were involved in the investigation.
A tent is currently in place to preserve the crime scene and police officers are guarding the property.
Forensic officers have begun a finger-tip search of the field where Mrs Davis was found.
Workers can be seen in the grounds of Leygreen Farm which is opposite the field.
The scene is about half-a-mile from the famous Beaulieu National Motor Museum.
Apart from the farm, the only neighbouring property is a bed and breakfast and the owner said she did not want to comment.
A nearby resident said: "You're not safe anywhere."
Another resident said: "It's a little strange, they seem to be saying it's murder which is unusual, nothing like that has happened in the 15 years I have lived here."
The Southern Daily Echo, the local newspaper for the Southampton area, has stated on its website that Mrs Davis previously worked for the paper as a business development representative between 2010 and 2011.
Editor Ian Murray said in a statement on the website: "All of us who remember working with Pennie are shocked by the terrible news of her death.
"Pennie was a lively, bubbly and professional member of the team here who always seemed in good spirits whatever the challenge.
"She and I worked together on projects on many occasions and it is a personal blow to learn of her death.
"Along with everyone else here at the Daily Echo, I wish to send my deepest condolences to Pennie's family, especially her children and husband of just a few months, Pete."
Newspaper sales and promotions manager Kerry Darwin said: "Myself and my team are shocked at today's news of the sad loss of Pennie. She was truly brilliant at her job and will be greatly missed. Our thoughts are with her family at this difficult time."